<SEC-DOCUMENT>0000842180-23-000010.txt : 20230306
<SEC-HEADER>0000842180-23-000010.hdr.sgml : 20230306
<ACCEPTANCE-DATETIME>20230306151304
ACCESSION NUMBER:		0000842180-23-000010
CONFORMED SUBMISSION TYPE:	20-F
PUBLIC DOCUMENT COUNT:		309
CONFORMED PERIOD OF REPORT:	20221231
FILED AS OF DATE:		20230306
DATE AS OF CHANGE:		20230306

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
		CENTRAL INDEX KEY:			0000842180
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			U3
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		20-F
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10110
		FILM NUMBER:		23708670

	BUSINESS ADDRESS:	
		STREET 1:		CALLE AZUL 4
		CITY:			MADRID
		STATE:			U3
		ZIP:			28050
		BUSINESS PHONE:		011 34 91 537 8172

	MAIL ADDRESS:	
		STREET 1:		CALLE AZUL 4
		CITY:			MADRID
		STATE:			U3
		ZIP:			28050

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO BILBAO VIZCAYA ARGENTARIA S A
		DATE OF NAME CHANGE:	20000505

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO BILBAO VIZCAYA S A
		DATE OF NAME CHANGE:	19991103
</SEC-HEADER>
<DOCUMENT>
<TYPE>20-F
<SEQUENCE>1
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<DESCRIPTION>20-F
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contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzI3_be4ef098-a7f3-44b5-8153-b34cdc549449">Madrid</ix:nonNumeric></span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjk3_6dc47e04-8398-4f8e-a157-33ece933b755">Spain</ix:nonNumeric> </span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Address of principal executive offices) </span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:ContactPersonnelName" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzEy_5fa75191-a9d4-4d6f-a3fd-f7054e7953b0">Rafael Salinas Mart&#237;nez de Lecea</ix:nonNumeric></span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzIz_80191196-aed3-49dd-94b1-ea517f93ada9">Calle Azul, 4</ix:nonNumeric></span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjgy_9ad8f708-5bb8-4ee6-b9b7-a7bb4020f6db">28050</ix:nonNumeric> <ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjc4_f1769776-050f-45fe-8d4f-e6ab62873be0">Madrid</ix:nonNumeric></span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzI0_dd9ad7db-4677-4bf3-b4e0-61416d72608c">Spain</ix:nonNumeric> </span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Telephone number <ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzI1_aed77a71-22d8-4cb2-af63-e51d3f752a3e">+34 91</ix:nonNumeric> <ix:nonNumeric contextRef="i066779fe79a74c39a5e9468e3cddf2f9_D20220101-20221231" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzI4_9989c710-9800-4852-9d6b-6205684656f8">537 7000</ix:nonNumeric></span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Name, Telephone, E-mail and /or Facsimile Number and Address of Company Contact Person)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span><br/></span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Securities registered or to be registered pursuant to Section 12(b) of the Act.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">Title of Each Class</span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">Trading Symbol</span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">Name of Each Exchange on which Registered</span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i9cc1816c9cf0476a8d5becb82517a71d_D20220101-20221231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjky_73b247cb-16ed-43ca-b078-dfec122fbfe9">American Depositary Shares, each representing the right to receive one ordinary share, par value &#8364;0.49 per share</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i9cc1816c9cf0476a8d5becb82517a71d_D20220101-20221231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjkz_5bb5adf5-135e-4b55-8453-00584f85a1fe">BBVA</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i9cc1816c9cf0476a8d5becb82517a71d_D20220101-20221231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjg3_8ae96835-802f-4e61-b229-0fef40912cb4">New York Stock Exchange</ix:nonNumeric></span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="ib4b1836fbada494887871517fa888ae0_D20220101-20221231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjkx_48814ba1-2840-459c-83b7-4f9d30fa2fea">Ordinary shares, par value &#8364;0.49 per share</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="ib4b1836fbada494887871517fa888ae0_D20220101-20221231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzA3_25994b6c-fec3-47d4-a7c0-0957ec94e8c0">BBVA*</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="ib4b1836fbada494887871517fa888ae0_D20220101-20221231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjcz_c52f34fe-cfb9-4086-9f5e-7f62c0b9e307">New York Stock Exchange</ix:nonNumeric>*</span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="ibb2292dc7dfd4f22807fabcb6db364fd_D20220101-20221231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjc0_5720d6c4-a138-4243-ba9e-375d317e3730">0.875% Fixed Rate Senior Notes due 2023</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="ibb2292dc7dfd4f22807fabcb6db364fd_D20220101-20221231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjgz_0c104594-5508-47c3-8e40-ddd8bfa10422">BBVA 23</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="ibb2292dc7dfd4f22807fabcb6db364fd_D20220101-20221231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjk4_ffa376b9-a454-432d-8f26-7a87f69b8e67">New York Stock Exchange</ix:nonNumeric></span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i47dbc92aaf964ab08f2f265246a8d58c_D20220101-20221231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzE5_955cb298-295f-4e80-9a83-3542e1411cfc">1.125% Fixed Rate Senior Notes due 2025</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i47dbc92aaf964ab08f2f265246a8d58c_D20220101-20221231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjg4_290cf26f-0a46-40e2-9aca-6aa7cc44e86d">BBVA 25</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i47dbc92aaf964ab08f2f265246a8d58c_D20220101-20221231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjk5_b81f6bef-4422-4295-9ced-f0b454ce31a2">New York Stock Exchange</ix:nonNumeric></span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i98e6f186252848d1bee5a5fdd2d4033c_D20220101-20221231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81NzE3NDYwNDY1MDkwMQ_5dc2269b-d7c4-4481-b11e-4156f4f2ec4f">5.862% Fixed Rate Senior Non-Preferred Notes due 2026</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i98e6f186252848d1bee5a5fdd2d4033c_D20220101-20221231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81NzE3NDYwNDY1MDkwMw_2063c5fe-9433-4599-a654-d37884365656">BBVA 26A</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i98e6f186252848d1bee5a5fdd2d4033c_D20220101-20221231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81NzE3NDYwNDY1MDkwNQ_c05e4e47-24e6-4acc-b852-e1b5c4409851">New York Stock Exchange</ix:nonNumeric></span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i8b02b2df74e044a0a51ac693619a9377_D20220101-20221231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81NzE3NDYwNDY1MDkwMg_cc9c4969-5010-40fa-84ae-6be7bf01a63a">6.138% Fixed Rate Senior Non-Preferred Notes due 2028</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.333%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i8b02b2df74e044a0a51ac693619a9377_D20220101-20221231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81NzE3NDYwNDY1MDkwNA_f85f3bd6-ba65-49d2-b5b6-f48378ad3a91">BBVA 28</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:0.000%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.334%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i8b02b2df74e044a0a51ac693619a9377_D20220101-20221231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81NzE3NDYwNDY1MDkwNg_779ab7b8-9570-45e0-963d-da9ca0db1c4c">New York Stock Exchange</ix:nonNumeric></span></div></div></div><div><span><br/></span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">*         The ordinary shares are not listed for trading, but are listed only in connection with the registration of the American Depositary Shares, pursuant to requirements of the New York Stock Exchange. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Securities registered or to be registered pursuant to Section 12(g) of the Act.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">None </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Securities for which there is a reporting obligation pursuant to Section <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:SecurityReportingObligation" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzE0_c02e1ec9-528d-4cc0-b773-dfd14fd82fd1">15(d)</ix:nonNumeric> of the Act.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:46.511%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.513%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:29.55pt;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%;text-decoration:underline">Title of Each Class</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:16.4pt;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%;text-decoration:underline">Name of Each Exchange on which Registered</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:29.55pt;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Series 6 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:19.45pt;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Irish Stock Exchange</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:29.55pt;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Series 9 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:19.45pt;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Irish Stock Exchange</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">The number of outstanding shares of each class of stock of the Registrant as of <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:CurrentFiscalYearEndDate" format="ixt:date-monthname-day-en" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzA4_5b6b67f3-c0b2-400c-94ee-3016ee9aa50a">December 31</ix:nonNumeric>, <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:DocumentFiscalYearFocus" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzAw_92299104-0c5f-4f66-bb2d-ed3986f32170">2022</ix:nonNumeric>, was: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Ordinary shares, par value &#8364;0.49 per share&#8212;<ix:nonFraction unitRef="shares" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="6" name="dei:EntityCommonStockSharesOutstanding" format="ixt:num-dot-decimal" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzA1_12c2b1f6-b1cb-42a9-bb4f-f7eb94d5f47c">6,030,116,564</ix:nonFraction></span></div><div style="margin-bottom:12pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.045%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. </span></div><div style="margin-bottom:20pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityWellKnownSeasonedIssuer" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzAx_66d87e41-6e9e-4512-90a2-d1d4b1fd9c7c">Yes</ix:nonNumeric> [X]&#160;&#160;&#160;&#160;No  [   ]</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.</span></div><div style="margin-bottom:20pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Yes [   ]&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityVoluntaryFilers" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzA5_f9665d34-fb4a-46bf-b0cb-424209d57486">No</ix:nonNumeric>  [X]</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.</span></div><div style="margin-bottom:20pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityCurrentReportingStatus" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzIw_b5acb987-a1db-4497-89b4-616b429188cc">Yes</ix:nonNumeric> [X]&#160;&#160;&#160;&#160;No  [   ]</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</span></div><div style="margin-bottom:20pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityInteractiveDataCurrent" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzIx_3da792b3-f038-494a-9fb5-850faab75f30">Yes</ix:nonNumeric> [X]&#160;&#160;&#160;&#160;No  [   ]</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth company. See definition of &#8220;large accelerated filer&#8221;, &#8220;accelerated filer,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.:</span></div><div style="margin-bottom:20pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityFilerCategory" format="ixt-sec:entityfilercategoryen" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzIy_c9c4ce3d-305b-4ea7-ad4c-a7f8f3b72cd0">Large accelerated filer</ix:nonNumeric>  [X]          Accelerated filer  [  ]          Non-accelerated filer  [  ]          Emerging growth company  <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityEmergingGrowthCompany" format="ixt:fixed-false" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjg0_07bbdc0e-6af3-46c6-aca0-af5736205395">[  ]</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    [  ]</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">The term &#8220;new or revised financial accounting standard&#8221; refers to any update issued by the Financial Accounting Standards Board to its Accounting Standards Codification after April 5, 2012.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">Indicate by check mark whether the registrant has filed a report on and attestation to its management&#8217;s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.    <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:IcfrAuditorAttestationFlag" format="ixt:fixed-true" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzE1_4bad44cf-1c2f-49a6-8002-cabc3ff3d081">[X]</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.    [  ]</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant&#8217;s executive officers during the relevant recovery period pursuant to &#167;240.10D-1(b).  [  ]</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.255%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">U.S. GAAP </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:130%">[ ]</span></div></div><div style="display:inline-block;max-width:0.116%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.255%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:DocumentAccountingStandard" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81MzI2_e2a87183-e83f-462a-865f-2154182c0543">International Financial Reporting Standards</ix:nonNumeric> as Issued by the International Accounting Standards Board </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:130%">[X]</span></div></div><div style="display:inline-block;max-width:0.116%;min-width:0.000%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:33.258%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">Other </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:130%">[ ]</span></div></div></div><div style="margin-bottom:20pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">If &#8220;Other&#8221; has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Item 17 [  ]&#160;&#160;&#160;&#160;Item 18 [  ]</span></div><div><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:130%">If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).</span></div><div style="margin-bottom:20pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Yes [   ]&#160;&#160;&#160;&#160;No  <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:EntityShellCompany" format="ixt:fixed-false" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xL2ZyYWc6MGEwOGNlZGVjNjZjNGJhZjk0ZTQ3ZjA0ZTgyM2FmMTgvdGV4dHJlZ2lvbjowYTA4Y2VkZWM2NmM0YmFmOTRlNDdmMDRlODIzYWYxOF81Mjk0_a2675f67-d27d-4713-b8f4-647a70755434">[X]</ix:nonNumeric></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TABLE OF CONTENTS</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:88.422%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.378%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">PAGE</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">PART I</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_22">ITEM 1. IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_22">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_25">A. Director and Senior Management</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_25">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_28">B. Advisers</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_28">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_31">C. Auditors</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_31">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_34">ITEM 2. OFFER STATISTICS AND EXPECTED TIMETABLE</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_34">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_37">ITEM 3. KEY INFORMATION</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_37">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_40">A. Selected Consolidated Financial Data</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_40">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_43">B. Capitalization and Indebtedness</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_43">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_46">C. Reasons for the Offer and Use of Proceeds</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_46">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_49">D. Risk Factors</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_49">9</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_52">ITEM 4. INFORMATION ON THE COMPANY</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_52">24</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_55">A. History and Development of the Company</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_55">24</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_61">B. Business Overview</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_61">25</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_127">C. Organizational Structure</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_127">56</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_130">D. Property, Plants and Equipment</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_130">57</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_133">E. Selected Statistical Information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_133">57</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_166">F. Competition</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_166">73</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_169">G. Cybersecurity and Fraud Management</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_169">76</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_172">ITEM 4A. UNRESOLVED STAFF COMMENTS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_172">78</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_175">ITEM 5. OPERATING AND FINANCIAL REVIEW AND PROSPECTS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_175">78</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_184">A. Operating Results</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_184">84</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_238">B. Liquidity and Capital Resources</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_238">138</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_253">C. Research and Development, Patents and Licenses, etc.</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_253">141</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_256">D. Trend Information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_256">141</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_259">E. Critical Accounting Estimates</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_259">142</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_262">ITEM 6. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_262">142</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_265">A. Directors and Senior Management</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_265">142</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_268">B. Compensation</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_268">151</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_271">C. Board Practices</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_271">160</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_274">D. Employees</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_274">172</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_283">E. Share Ownership</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_283">175</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_304">ITEM 7. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_304">176</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_307">A. Major Shareholders</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_307">176</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_313">B. Related Party Transactions</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_313">176</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_316">C. Interests of Experts and Counsel</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_316">177</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_319">ITEM 8. FINANCIAL INFORMATION</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_319">177</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_322">A. Consolidated Statements and Other Financial Information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_322">177</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_328">B. Significant Changes</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_328">180</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_331">ITEM 9. THE OFFER AND LISTING</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_331">180</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_334">A. Offer and Listing Details</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_334">180</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_343">B. Plan of Distribution</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_343">186</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_346">C. </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_346">Markets</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_346">186</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_349">D. </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_349">Selling Shareholders</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_349">186</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_352">E. </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_352">Dilution</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_352">186</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_355">F. </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_355">Expenses of the Issue</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_355">186</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_358">ITEM 10. ADDITIONAL INFORMATION</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_358">187</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_361">A. Share Capital</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_361">187</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_364">B. Memorandum and Articles of Association</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_364">187</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_370">C. Material Contracts</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_370">190</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_373">D. Exchange Controls </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_373">191</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_376">E. Taxation</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_376">192</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_394">F. Dividends and Paying Agents</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_394">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_397">G. Statement by Experts</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_397">197</a></span></div></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:88.422%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.378%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">PAGE</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_400">H. Documents on Display</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_400">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_403">I. Subsidiary Information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_403">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_406">ITEM 11. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_406">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_409">ITEM 12.  DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_409">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_412">A. Debt Securities</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_412">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_415">B. Warrants and Rights</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_415">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_418">C. Other Securities</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_418">197</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_421">D. American Depositary Shares</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_421">198</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">PART II</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_427">ITEM 13. DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_427">199</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_430">ITEM 14. MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_430">199</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_433">ITEM 15. CONTROLS AND PROCEDURES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_433">199</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_439">ITEM 16. [RESERVED]</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_439">202</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_442">ITEM 16A. AUDIT COMMITTEE FINANCIAL EXPERT</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_442">202</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_445">ITEM 16B. CODE OF ETHICS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_445">202</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_448">ITEM 16C. PRINCIPAL ACCOUNTANT FEES AND SERVICES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_448">202</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_451">ITEM 16D. EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_451">203</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_454">ITEM 16E. PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_454">203</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_457">ITEM 16F. CHANGE IN REGISTRANT&#8217;S CERTIFYING ACCOUNTANT</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_457">205</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_460">ITEM 16G. CORPORATE GOVERNANCE</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_460">205</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_463">ITEM 16H. MINE SAFETY DISCLOSURE</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_463">207</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_466">ITEM 16I. DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_466">207</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">PART III</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_472">ITEM 17. FINANCIAL STATEMENTS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_472">207</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_475">ITEM 18. FINANCIAL STATEMENTS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_475">207</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_478">ITEM 19. EXHIBITS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_478">207</a></span></div></td></tr></table></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_7"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_10"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CERTAIN TERMS AND CONVENTIONS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The terms below are used as follows throughout this report:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or first person personal pronouns, such as &#8220;we&#8221;, &#8220;us&#8221;, or &#8220;our&#8221;, mean Banco Bilbao Vizcaya Argentaria, S.A. and its consolidated subsidiaries unless otherwise indicated or the context otherwise requires.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Mexico</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means Grupo Financiero BBVA Bancomer, S.A. de C.V. and its consolidated subsidiaries, unless otherwise indicated or the context otherwise requires.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA USA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means BBVA USA Bancshares, Inc. and its consolidated subsidiaries, unless otherwise indicated or the context otherwise requires.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Consolidated Financial Statements</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">means our audited consolidated financial statements as of and for the years ended  December 31, 2022, 2021 and 2020, prepared in compliance with the International Financial Reporting Standards as issued by the International Accounting Standards Board (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IFRS-IASB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and in accordance with the International Financial Reporting Standards adopted by the European Union (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EU-IFRS</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) required to be applied under the Bank of Spain&#8217;s Circular 4/2017 (as defined herein).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Garanti BBVA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means T&#252;rkiye Garanti Bankas&#305; A.&#350;., and its consolidated subsidiaries, unless otherwise indicated or the context otherwise requires.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Latin America</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; refers to Mexico and the countries in which we operate in South America and Central America.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In this report, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">$</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">U.S. dollars</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">dollars</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; refer to United States Dollars and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">euro</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; refer to Euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">1</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_13"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This Annual Report contains statements that constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Act</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), Section 21E of the U.S. Securities Exchange Act of 1934, as amended (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Exchange</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Act</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of forward-looking terminology such as &#8220;believe&#8221;, &#8220;expect&#8221;, &#8220;estimate&#8221;, &#8220;project&#8221;, &#8220;anticipate&#8221;, &#8220;should&#8221;, &#8220;intend&#8221;, &#8220;probability&#8221;, &#8220;risk&#8221;, &#8220;VaR&#8221;, &#8220;target&#8221;, &#8220;goal&#8221;, &#8220;objective&#8221;, and &#8220;future&#8221; or by the use of similar expressions or variations on such expressions, or by the discussion of strategy or objectives. Forward-looking statements are based on current plans, estimates and projections, are not guarantees of future performance and are subject to inherent risks, uncertainties and other factors that could cause actual results to differ materially from the future results expressed or implied by such forward-looking statements. The accompanying information in this Annual Report, including, without limitation, the information under the items listed below, identifies important factors that could cause such differences:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;Item 3. Key Information&#8212;Risk Factors&#8221;;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;Item 4. Information on the Company&#8221;;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;Item 5. Operating and Financial Review and Prospects&#8221;; and </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.35pt">&#8220;Item 11. Quantitative and Qualitative Disclosures About Market Risk&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other important factors that could cause actual results to differ materially from those expressed or implied by forward-looking statements include, among others:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the deterioration of economic conditions or the alteration of the institutional environment of the countries in which we operate, especially Spain, Mexico and Turkey, including any adverse developments, or the perception that such developments may occur, regarding credit quality, public debt sustainability and sovereign ratings, particularly Spain&#8217;s, among other factors;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the intensity of geopolitical and economic risks in recent years as a result of, among other factors, US-China trade tensions, Brexit, the rise of populism and Russia&#8217;s invasion of Ukraine, which has led to significant disruption, instability and volatility in global markets, as well as higher inflation (including by contributing to further increases in the prices of energy, oil and other commodities and further disrupting supply chains) and lower or negative growth;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes or volatility in interest rates, foreign exchange rates, asset prices, equity markets, commodity prices, inflation or deflation and, in particular, as of the date of this Annual Report, the depreciation of the currencies of the non-euro geographical areas in which we operate, high inflation, stagflation due to more intense or prolonged supply crises, interest rate increases in most of the geographical areas where we operate (which may impact default rates) and interest rate cuts in Turkey (which may affect our margins);</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">adverse developments in emerging economies, in particular Latin America and Turkey, including unfavorable political and economic developments, social instability and changes in governmental policies, including expropriation, nationalization, exchange controls or other limitations on the distribution or repatriation of dividends, international ownership legislation, interest rate caps, fee caps and tax policies;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">downgrades in our credit ratings or in sovereign credit ratings, particularly Spain&#8217;s credit ratings;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the monetary, interest rate and other policies of central banks, and the trade, economic and other policies of governments, in the EU, Spain, Mexico, Turkey, the United States and elsewhere;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">adjustments in the real estate markets in the geographical areas in which we operate, in particular in Spain, Mexico and Turkey;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the success of our acquisitions and investments (including our acquisition in May 2022 of an additional 36.12% stake in Garanti BBVA, which has resulted in BBVA&#8217;s stake in Garanti BBVA increasing to 85.97%), divestitures (including the sale in June 2021 of BBVA USA as well as other companies of the BBVA Group in the United States with activities related to the banking business), mergers, joint ventures and strategic alliances;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the impact of the coronavirus (COVID-19) pandemic, new waves of contagion, the emergence of new strains, and the measures adopted by governments and the private sector in connection therewith on our business and the economy;</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">2</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the effects of competition in the markets in which we operate, which may be influenced by regulation or deregulation affecting us or our competitors, and our ability to implement technological advances;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our ability to comply with various legal and regulatory regimes and the impact of applicable laws and regulations on our operations, including capital, resolution, liquidity and provision requirements and the increasing tax burden;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in consumer spending and savings habits, including changes in government policies which may influence spending, saving and investment decisions;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our ability to continue to access sources of liquidity and funding, including public sources of liquidity such as the funding provided by the European Central Bank (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ECB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) under its programs, and our ability to receive dividends and other funds from our subsidiaries;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our ability to hedge certain risks economically;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our ability to address physical, regulatory, reputational, transition and business risks associated with climate change and emerging and developing environmental, social and governance standards;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our ability to make payments on certain substantial unfunded amounts relating to commitments with personnel;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the performance of our international operations and our ability to manage such operations;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">weaknesses or failures in our Group&#8217;s internal or outsourced processes, systems (including information technology systems) and security;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">weaknesses or failures of our anti-money laundering or anti-terrorism programs, or of our internal policies, procedures, systems and other mitigating measures designed to ensure compliance with applicable anti-corruption laws and sanctions regulations;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">security breaches, including cyber-attacks and identity theft;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and any others which may arise in the future, including actions and proceedings related to former subsidiaries of the Group or in respect of which the Group may have indemnification obligations;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">actions that are incompatible with our ethics and compliance standards, and our failure to timely detect or remedy any such actions;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">uncertainty surrounding the integrity and continued existence of reference rates and the transition away from the Euro Interbank Offered Rate (EURIBOR), Euro OverNight Index Average (EONIA) and London Inter-bank Offered Rate (LIBOR) to new reference rates;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our success in managing the risks involved in the foregoing, which depends, among other things, on our ability to anticipate events that are not captured by the statistical models we use; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">force majeure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and other events beyond our control.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Readers are cautioned not to place undue reliance on such forward-looking statements, which speak only as of the date hereof. We undertake no obligation to release publicly the result of any revisions to these forward-looking statements which may be made to reflect events or circumstances after the date hereof, including, without limitation, changes in our business, strategy or expectations, including as a result of the occurrence of unanticipated events.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">3</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_16"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PRESENTATION OF FINANCIAL INFORMATION</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under Regulation (EC) no. 1606/2002 of the European Parliament and of the Council of July 19, 2002, all companies governed by the law of an EU Member State and whose securities are admitted to trading on a regulated market of any Member State must prepare their consolidated financial statements for the years beginning on or after January 1, 2005 in conformity with EU-IFRS. The Bank of Spain issued Circular 4/2017 of November 27, 2017 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Circular 4/2017</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), on Public and Confidential Financial Reporting Rules and Formats, which requires Spanish credit institutions to adapt their accounting system to the principles derived from the adoption of EU-IFRS.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no differences between EU-IFRS required to be applied under the Bank of Spain&#8217;s Circular 4/2017 and IFRS-IASB for the years ended December 31, 2022, 2021 and 2020. The Consolidated Financial Statements included in this Annual Report have been prepared in compliance with IFRS-IASB and in accordance with EU-IFRS required to be applied under the Bank of Spain&#8217;s Circular 4/2017.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For a description of our critical accounting policies, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8212;Critical Accounting Policies</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 2.2 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial information as of and for the years ended December 31, 2021 and 2020 may differ from previously reported financial information as of such dates and for such periods in our respective annual reports on Form 20-F for certain prior years, as a result of certain of the modifications referred to in the section &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Changes in Accounting Policies&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> herein. Further, during the first quarter of 2021, we changed the reporting structure of the BBVA Group&#8217;s operating segments compared with that presented in our annual report on Form 20-F for the year ended December 31, 2020, mainly as a consequence of the elimination of the United States operating segment. As a result thereof, we created a new segment called &#8220;Rest of Business&#8221; which included the business previously included in our &#8220;Rest of Eurasia&#8221; segment (which was eliminated) and the BBVA Group&#8217;s remaining business in the United States (which was excluded from the scope of the USA Sale (as defined herein)), except for the Group&#8217;s stake in the venture capital fund Propel Venture Partners (as defined herein), which was reallocated to our Corporate Center. These changes required the revision of segment information as of and for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Designation of Turkey as a Hyperinflationary Economy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since the first half of 2022, the Turkish economy is considered hyperinflationary, resulting in the Group having applied hyperinflation accounting in accordance with IAS 29 &#8220;Financial reporting in hyperinflationary economies&#8221; in respect thereof with effect from January 1, 2022 with respect to the financial statements of the BBVA Group&#8217;s entities located in Turkey</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. In addition, all the components of the financial statements of such entities (including income statement items) (in each case, for any period in which the Turkish economy was considered to be hyperinflationary) are converted at the relevant period-end exchange rate for inclusion in our Consolidated Financial Statements, and the resulting conversion differences are recorded within &#8220;Accumulated other comprehensive income (loss)&#8221; as stated in IAS 21. The net result derived from the application of IAS 29 and IAS 21 in Turkey for the year ended December 31, 2022 amounts to a loss of &#8364;2,711 million, of which &#8364;1,793 million is attributed to the parent company of the Group. This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;2,323 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement, partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,490 million, given that, under IAS 29, these types of bonds are considered protective assets. See Note 2.2.19 to our Consolidated Financial Statements for information on the application of IAS 29 and IAS 21 to hyperinflationary economies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first application of IAS 29 in the Turkish subsidiaries led to an increase in equity of &#8364;130 million as of January 1, 2022, and is mainly the result of the revaluation of tangible assets and inflation-linked bonds. </span></div><div style="border-bottom:1pt solid black;margin-bottom:5pt;margin-top:10pt;width:150pt"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:130%">IAS 29 does not apply to the operations outside Turkey of the T&#252;rkiye Garanti Bankas&#305; A.&#350;. group of companies, and in particular to the financial statements of Garanti Bank S.A. in Romania and GarantiBank International N.V. in the Netherlands.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">4</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Changes in Accounting Policies</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Hyperinflationary economies - IAS 29</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, in light of the interpretation issued by the International Financial Reporting Interpretations Committee (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IFRIC</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) in its &#8220;IFRIC Update&#8221; of March 2020 on IAS 29 &#8220;Financial information in hyperinflationary economies&#8221;, the Group made an accounting policy change such that for all periods presented, the differences generated when translating the restated financial statements of the subsidiaries in hyperinflationary economies into euros are included in the line item &#8220;Accumulated other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Foreign currency translation&#8221; of our consolidated balance sheets. Since 2009 and 2018, respectively, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29. In addition, as discussed above, since the first half of 2022, the Turkish economy was considered to be hyperinflationary. See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on the related impact in the Consolidated Financial Statements. In addition, all the components of the financial statements (including income statement items) of entities located in such countries (in each case, for any period in which the relevant economy was considered to be hyperinflationary) are converted at the relevant period-end exchange rate for inclusion in our Consolidated Financial Statements, and the resulting conversion differences are recorded within &#8220;Accumulated other comprehensive income (loss)&#8221; as stated in IAS 21.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net result derived from the application of accounting for IAS 29 and IAS 21 in Argentina for the year ended December 31, 2022 amounted to a loss of &#8364;1,031 million, of which &#8364;694 million is attributed to the parent company of the Group (for the years ended December 31, 2021 and 2020 this result amounted to a loss of &#8364;258 million and &#8364;174 million, respectively). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net result derived from the application of accounting for IAS 29 and IAS 21 in Venezuela for the year ended December 31, 2022 amounted to a loss of &#8364;11 million, of which &#8364;6 million is attributed to the parent company of the Group (for the years ended December 31, 2021 and 2020 this result amounted to a loss of &#8364;6 million and &#8364;5 million, respectively).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 2.2.19 to our Consolidated Financial Statements for additional information on the application of IAS 29 to hyperinflationary economies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">New definition of default</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, the Group updated its definition of default for internal credit risk management purposes to conform to that set forth in the European Banking Authority (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EBA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) Guidelines, in compliance with article 178 of Regulation (EU) No 575/2013 (CRR). As a result thereof, the Group deemed it appropriate to update the definition of credit-impaired asset (Stage 3), considering it a change in accounting estimate, so that such definition continues to be substantially consistent with the definition of default used for internal credit risk management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group estimated that the update in the definition of credit-impaired asset (Stage 3) led to an increase of &#8364;1,262 million in impaired financial assets as of December 31, 2021. The impact of this change on expected credit losses was not considered to be significant, since most of the affected transactions were previously classified within Stage 2 and, consequently, their credit risk coverage already corresponded to the expected credit losses throughout the expected lifetime of the transactions. For a discussion of certain accounting standards applicable to loss allowances on financial assets and the method for calculating expected credit loss, see Note 2.2.1 to our Consolidated Financial Statements. See also</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> &#8220;Item 4. Information on the Company&#8212;Selected Statistical Information&#8212;ASSETS&#8212;Impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 5. Operating and Financial Review and Prospects&#8212;Operating Results</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(Reverse) repurchase agreements recognition</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, certain repurchase agreements and reverse repurchase agreements are</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> presented on a net basis in the consolidated balance sheet by offsetting certain financial assets (reverse repurchase agreements) with certain financial liabilities (repurchase agreements). In order to make the information as of December 31, 2020 comparable with the information as of December 31, 2021, the information as of December 31, 2020 was adjusted by reducing </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Total assets&#8221; and &#8220;Total liabilities&#8221; by &#8364;2,379 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">IFRS 16 &#8211;Leases &#8211; COVID-19 modifications</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 28, 2020, the IASB approved an amendment to IFRS 16 which provides an optional exemption for lessees from assessing whether rent concessions that occur due to COVID-19 (including payment holidays and deferrals of lease payments for a period of time, in each case in connection with payments due on or before June 30, 2020) are lease modifications. For additional information, see Note 2.3 to the Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This amendment was effective from June 1, 2020 and was endorsed by the European Union. The amendment, which was applied by the Group, had no significant impact on the Consolidated Financial Statements of the Group.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">5</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Changes in Intra-Group Adjustments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the first half of 2022, we changed the allocation criteria for certain expenses related to global technology projects between the Corporate Center and the business areas. In addition, a team from the Global Markets unit was transferred from Spain to New York, with the corresponding transfer of the costs associated with this reallocation from the Spain business area to other business areas. The impact of these intra-group adjustments was not material and segment figures as of December 31, 2021 and 2020 and for the years then ended have not been revised to reflect the new allocation criteria.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Voluntary Takeover Bid for the Entire Share Capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2021, BBVA announced a voluntary takeover bid (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">VTB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) addressed to the holders of the 2,106,300,000 shares</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> of Garanti BBVA not controlled by BBVA, which represented 50.15% of Garanti BBVA&#8217;s total share capital. BBVA submitted for authorization an application for the VTB to the supervisor of the securities markets in Turkey (Capital Markets Board of Turkey, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CMB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) on November 18, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 31, 2022, CMB approved the relevant information memorandum and on the same day BBVA announced the start of the VTB acceptance period on April 4, 2022. On May 18, 2022, BBVA announced the finalization of the offer acceptance period, with the acquisition of 36.12% of Garanti BBVA&#8217;s share capital. The total amount paid by BBVA was approximately 22,758 million Turkish lira (equivalent to approximately &#8364;1,390 million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> including the expenses associated with the transaction and net of the collection of the dividends corresponding to the stake acquired). The transaction has resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29, see Note 2.2.19 to our Consolidated Financial Statements). An amount of &#8364;3,609 million has been recorded under the heading &#8220;Other reserves&#8221; and there was a reclassification to &#8220;Accumulated other comprehensive income (loss)&#8221; corresponding to the 36.12% acquired from &#8220;Minority interests&#8221; to &#8220;Accumulated other comprehensive income (loss)&#8221; of the parent company amounting to a loss of &#8364;2,685 million. The total derecognition associated with the transaction of the heading &#8220;Minority interests&#8221; considering &#8220;Other items&#8221; and &#8220;Accumulated other comprehensive income (loss)&#8221; amounted to a loss of &#8364;2,541 million. The percentage of total share capital of Garanti BBVA owned by BBVA (after the completion of the VTB on May 18) is 85.97%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement on the Collective Layoff Procedure</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 8, 2021, BBVA reached an agreement with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain on April 13, 2021, which would affect a maximum of 2,935 employees. The agreement also included the closing of 480 offices (all closed as of June 30, 2022). Ultimately, by the time the procedure was over, 2,899 employees had accepted the agreement and effectively departed BBVA. The cost of the process amounted to a &#8364;994 million expense before taxes for the year ended December 31, 2021 (&#8364;754 million corresponding to the collective layoff and &#8364;240 million to the closing of offices, respectively) which was recognized under the headings &#8220;Provisions or reversal of provisions and other results&#8221;, &#8220;Impairment or reversal of impairment on non-financial assets&#8221; and &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; of the BBVA Group and under the heading &#8220;Profit / (loss) from discontinued operations, net and Other&#8221; of the Corporate Center. See Note 24 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Sale of BBVA USA Bancshares, Inc.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 1, 2021, after obtaining the relevant regulatory authorizations from the competent authorities, BBVA completed the sale of 100% of the share capital in its subsidiary BBVA USA Bancshares, Inc., which in turn owned 100% of the share capital in BBVA USA, as well as other companies of the BBVA Group in the United States with activities related to this banking business, to The PNC Financial Services Group, Inc. (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">USA Sale</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The consideration received in cash by BBVA as a consequence of the USA Sale amounted to approximately $11,500 million (the price provided in the agreement minus the agreed closing price adjustments) equivalent to approximately &#8364;9,600 million (at an exchange rate of $1.20 per euro).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The results obtained by BBVA USA Bancshares, Inc. were consolidated in the Group&#8217;s results during the first five months of 2021, until completion of the USA Sale on June 1, 2021. The accounting for both the results generated by BBVA USA Bancshares, Inc. in the first five months of 2021 and the gain on sale at closing of the transaction resulted in a cumulative profit net of taxes of &#8364;280 million in the year ended December 31, 2021, which was recorded under the heading &#8220;Profit / (loss) from discontinued operations, net&#8221;, and in a positive impact on the BBVA Group&#8217;s Common Equity Tier 1 (fully loaded) ratio of approximately 294 basis points as of December 31, 2021. See Notes 3 and 21 to our Consolidated Financial Statements and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="border-bottom:1pt solid black;margin-bottom:5pt;margin-top:10pt;width:150pt"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">  All references to &#8220;shares&#8221; or &#8220;share&#8221; shall be deemed made to lots of 100 shares, which is the trading unit in which Garanti BBVA shares are listed at Borsa Istanbul.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Using the effective exchange rate of 16.14 Turkish lira per euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">6</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Statistical and Financial Information </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following principles should be noted in reviewing the statistical and financial information contained herein:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Average balances, when used, are based on the beginning and the month-end balances during each year. We do not believe that such monthly averages present trends that are materially different from those that would be presented by daily averages.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Unless otherwise stated, any reference to loans refers to both loans and advances.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Financial information with respect to segments or subsidiaries may not reflect consolidation adjustments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Certain numerical information in this annual report may not compute due to rounding. In addition, information regarding period-to-period changes is based on numbers which have not been rounded.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Selected Statistical Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on how the information for BBVA USA has been treated for purposes of calculating the selected statistical information contained herein.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">7</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_19"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">PART I</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_22"></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">ITEM 1. IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_25"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A. Director and Senior Management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable. </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_28"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B. Advisers</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable. </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_31"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C. Auditors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable. </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_34"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 2. OFFER STATISTICS AND EXPECTED TIMETABLE </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_37"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 3. KEY INFORMATION</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_40"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.  Selected Consolidated Financial Data</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">[Reserved]</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_43"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.  Capitalization and Indebtedness</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_46"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.  Reasons for the Offer and Use of Proceeds</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">8</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_49"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D.  Risk Factors</span></div><div style="margin-bottom:8pt;margin-top:8pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MACROECONOMIC AND GEOPOLITICAL RISKS</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">A deterioration in economic conditions or the institutional environment in the countries where the Group operates could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group is sensitive to the deterioration of economic conditions or the alteration of the institutional environment of the countries in which it operates, and especially Spain, Mexico and Turkey, which respectively represented 59.9%, 20.1% and 9.3% of the Group&#8217;s assets as of December 31, 2022 (62.4%, 17.8% and 8.5% as of December 31, 2021, respectively, and 55.6%, 15.0% and 8.1%, as of December 31, 2020, respectively). Additionally, the Group is exposed to sovereign debt, especially sovereign debt related to these countries. Furthermore, in May 2022, the Group increased its shareholding stake in T&#252;rkiye Garanti Bankas&#305; A.&#350;. (Garanti BBVA) from 49.85% to 85.97%. For summarized information on the macroeconomic conditions that these countries are currently facing, and which could significantly affect the Group, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8212;Operating Results&#8212;Operating Environment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the significant macroeconomic problems triggered by the COVID-19 pandemic, the global economy is currently facing a number of extraordinary challenges. Russia&#8217;s invasion of Ukraine, the largest military attack on a European state since World War II, has led to significant disruption, instability and volatility in global markets, as well as higher inflation (including by contributing to further increases in the prices of oil, gas and other commodities and further disrupting supply chains) and lower economic growth. The European Union, the United States and other governments have imposed significant sanctions and export controls against Russia and Russian interests and additional sanctions and controls may be imposed in the future.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Russia-Ukraine war has represented a significant supply shock for the global economy, which has hampered economic growth and added to inflationary pressures, mainly in European countries, due to their relatively significant economic ties with Ukraine and Russia. The economic effects are being felt mainly through higher commodity prices, mainly energy commodities, despite their moderation over the last few months in 2022. While the Group&#8217;s direct exposure to Ukraine and Russia is limited, the war could adversely affect the Group&#8217;s business, financial condition and results of operations. Geopolitical and economic risks have also increased lately as a result of trade tensions between the United States and China, Brexit and the rise of populism, among others. Growing tensions may lead, among others, to a deglobalization of the world economy, an increase in protectionism or barriers to immigration, a general reduction of international trade in goods and services and a reduction in the integration of financial markets, any of which could materially and adversely affect the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, the world economy could be vulnerable to other factors such as the aggressive interest rate hikes adopted by central banks due to growing and widespread inflationary pressures, which could cause a significant growth slowdown, or a sharp economic recession, as well as financial crises. The central banks of many developed and emerging economies have significantly increased policy rates over the last year and the process of tightening monetary conditions is likely to continue going forward in many economies. The United States Federal Reserve and the European Central Bank have raised policy interest rates respectively by 425 and 250 basis points throughout 2022 and further increases are expected in the coming months, taking them up to around 5.0% in the first case and 3.75% in the case of the interest rates for refinancing operations in the Eurozone. The Group&#8217;s results of operations have been affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing both to a rise in net interest income and a rise in funding costs. Further increases in interest rates could adversely affect the Group by reducing the demand for credit, limiting its ability to generate credit for its clients and/or increasing the default rate of its borrowers and counterparties.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There is also a risk of a sharp slowdown in the global GDP growth caused by a deceleration in the Chinese economy, due to the disruptions generated by COVID-19 infections following the flexibilization of the containment policies or other factors, such as the imbalances in real estate market.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group bears, among others, the following general risks with respect to the economic and institutional environment of the countries in which it operates: a deterioration in economic activity, including recession scenarios; more persistent inflationary pressures, which could trigger a more severe tightening of monetary conditions; the depreciation of local currencies, particularly the Turkish lira and the Mexican peso; the deterioration of the real estate market, to which the Group remains significantly exposed in Spain and, to a lesser extent, in Mexico and Turkey; depressed disposable income levels, including as a result of the impact of high oil and gas prices on areas that are net energy importers, such as Spain or Turkey; changes in regulatory or government policies, including in terms of exchange controls and restrictions on the distribution of dividends or the imposition of new taxes or charges; excessive public debt or external deficit, which could lead to a downward revision of the credit ratings of the sovereign debt or a default or restructuring of said debt; and episodes of market volatility, any of which could expose the Group to significant losses.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any of these factors may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">9</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Pandemics like the COVID-19 pandemic could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The COVID-19 (coronavirus) pandemic has adversely affected the world economy, and economic activity and conditions in the countries in which the Group operates. Among other challenges, these countries have had to deal with supply disruptions and increasing inflationary pressures, while public debt has increased significantly due to the support and spending measures implemented by government authorities. Furthermore, there has been an increase in loan losses from both companies and individuals, which has been slowed down by the impact of government support measures, including bank payment deferrals, credit with public guarantee and direct aid measures (see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;The COVID-19 Pandemic</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the outbreak of COVID-19, the Group experienced a decline in its activity. For example, the granting of new loans to individuals decreased during lockdowns. In addition, in several countries, including Spain, the Group closed a significant number of its branches and reduced the opening hours of working with the public, with central services teams having to work remotely. Furthermore, the Group has been affected by the measures and recommendations adopted by regulatory authorities in the banking sector, such as variations in reference interest rates, the modification of prudential requirements, the temporary suspension of dividend payments, changes to the terms of bank payment deferrals and the granting of credit with public guarantee and changes to the terms of the financial assets purchase programs implemented by the ECB. The finalization of COVID-19 related public relief measures may result in the deterioration of the credit quality of certain borrowers, especially SMEs, which may result in higher loan-loss provisions by the Group, particularly in the context of rising interest rates.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Future pandemics (or a worsening of the COVID-19 pandemic) could be further detrimental to the Group. Furthermore, pandemics like the COVID-19 pandemic could adversely affect the business and operations of third parties that provide critical services to the Group and, in particular, the higher demand for and/or the lower availability of certain resources, compounded by any supply bottlenecks could make it more difficult for the Group to maintain the required service levels.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, pandemics such as the COVID-19 pandemic may exacerbate other risks disclosed in this section, including but not limited to risks associated with the credit quality of the Group&#8217;s borrowers and counterparties or collateral, the availability of ECB funding, the Group&#8217;s exposure to sovereign debt and rating downgrades, the Group&#8217;s ability to comply with its regulatory requirements, including MREL and other capital requirements, and the deterioration of economic conditions or changes in the institutional environment.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the above, a pandemic could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Political, economic and social conditions in Spain may have an adverse effect on our business, financial condition and results of operations</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group has historically carried out its lending activity mainly in Spain, which continues to be its primary business area. As of December 31, 2022, total risk in financial assets in Spain (calculated as set forth in Appendix IX (Additional information on risk concentration) of the Consolidated Financial Statements) amounted to &#8364;225,825 million, equivalent to 37% of the Group&#8217;s total risk in financial assets. The Group&#8217;s gross exposure of loans and advances to customers in Spain totaled &#8364;214,126 million as of December 31, 2022, representing 58% of the Group&#8217;s total amount of loans and advances to customers. Following the sharp decline in economic activity in 2020, economic recovery has further deteriorated following the outbreak of the war in Ukraine. Measures adopted to support the economy as a result of the COVID-19 pandemic and, more recently, rising inflation, have given rise to concerns about the sustainability of very high public debt in the medium and long term. Moreover, the inflation rate was 5.7% in December 2022 (core inflation was 7.0%), with wages growing at a slower pace and structural unemployment remaining high. General elections will take place in December 2023 at the latest, and their outcome is uncertain.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Given the significance of the Group&#8217;s exposure to Spain, any adverse change affecting political, economic and social conditions in Spain could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Political, economic and social conditions in Turkey may have an adverse effect on our business, financial condition and results of operations</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2022, the Group increased its shareholding stake in Garanti BBVA (Turkey) from 49.85% to 85.97% following the completion of a voluntary takeover bid. See Note 3 to the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">10</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Turkey has, from time to time, experienced volatile political, economic and social conditions. Turkey is currently facing an economic crisis characterized by strong depreciation of the Turkish lira, high inflation (64.3% for the year ended December 31, 2022), a soaring trade deficit, depletion of the central bank&#8217;s foreign reserves and rising external financing costs. The recent earthquakes of February 2023 are expected to deepen Turkey&#8217;s economic struggles. In addition to the vast human losses, the earthquakes and government&#8217;s response thereto are expected to add to mounting inflation and budget risks. Additionally, certain ongoing geopolitical tensions referred to in this section, as well as continuing regional conflicts (such as in Syria and in Armenia/Azerbaijan), may pose further strain on the country&#8217;s economy. Continuing unfavorable economic conditions in Turkey, such as the elevated inflation and devaluation of the Turkish lira, may result in a potential deterioration in the purchasing power and creditworthiness of our clients (both individual and corporate). In addition, the Turkish central bank&#8217;s repeated interest rate cuts in the midst of rising inflation and continued currency depreciation has affected and may continue to affect the Group&#8217;s results.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, the Group may continue to be affected by regulation and measures specifically affecting the financial sector, such as the central bank&#8217;s &#8220;liraization&#8221; strategy (which seeks to increase the weight of Turkish lira-denominated assets and liabilities of the banking system) and restrictions on the fees and commissions that may be charged to customers.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Challenges faced by the Turkish economy and any impositions on the Turkish banking sector may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BUSINESS RISKS</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group&#8217;s businesses are subject to inherent risks concerning borrowers and counterparties&#8217; credit quality and the value of collateral </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The total maximum credit risk exposure of the Group (calculated as set forth in Note 7.2.2 to the Consolidated Financial Statements) as of December 31, 2022 was &#8364;816,778 million (&#8364;753,730 million and &#8364;747,145 million as of December 31, 2021 and 2020, respectively). The Group has exposures to many different products and counterparties (including borrowers), and the credit quality of its exposures can have a significant effect on the Group&#8217;s earnings. Adverse changes in the credit quality of the Group&#8217;s counterparties, including as a result of changes in their businesses, or any adverse changes in the value of the collateral they may have provided, may reduce the value of the Group&#8217;s assets, and materially increase the Group&#8217;s write-downs and loss allowances. Credit risk can be affected by a range of factors, including an adverse economic environment, a decrease in consumption or corporate or government spending, changes in the rating of individual contractual counterparties, their debt levels and the environment in which they operate, increased unemployment, higher commodity prices (especially of energy commodities), reduced asset values, increased retail or corporate insolvency levels, reduced corporate profits, changes in interest rates (as well as the timing, magnitude and pace of these changes), litigation and legal and regulatory developments.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In recent years, the Group&#8217;s NPL ratio (3.4%, 4.1% and 4.2% as of December 31, 2022, 2021 and 2020, respectively) has benefited from the low interest rate environment, which has led to increased recoveries and repayments. Recent and any further interest rate increases will likely lead to a deterioration of the Group&#8217;s NPL ratio and an increase in the Group&#8217;s RWAs. See &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">The Group&#8217;s business is particularly vulnerable to interest rates and is exposed to risks associated with the continuity of certain reference rates and the transition to alternative reference rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, economic deterioration typically results in a decrease in the price of real estate assets. The Group remains significantly exposed to the real estate market, mainly in Spain and, to a lesser extent, Mexico and Turkey, due to the fact that many of its loans are secured by real estate assets and due to the significant volume of real estate assets that it maintains on its balance sheet. A fall in the price of real estate assets in a particular region would reduce the value of any real estate securing loans granted by the Group in such region and, therefore, in the event of default, the amount of the expected losses related to such loans would increase. Further, a fall in real estate prices could have a material adverse effect on the default rates of the Group&#8217;s residential mortgage and real estate developer credit portfolios. The balance of the Group&#8217;s residential mortgage portfolio was &#8364;92,064 million at a global level as of December 31, 2022 (&#8364;91,324 million and &#8364;91,428 million as of December 31, 2021 and 2020, respectively), 73.2% of which related to Spain as of December 31, 2022. Further, the Group&#8217;s corporate credit portfolios include real estate developers and constructors. As of December 31, 2022, the Group&#8217;s exposure to the construction and real estate sectors (excluding the mortgage portfolio) in Spain was equivalent to &#8364;9,549 million, of which &#8364;1,861 million corresponded to loans for construction and development activities in Spain (representing 1.1% of the Group&#8217;s loans and advances to customers in Spain (excluding the public sector) and 0.3% of the Group&#8217;s consolidated assets as of December 31, 2022). The total real estate exposure (excluding the mortgage portfolio), including developer credit and foreclosed assets had a coverage ratio of 34% in Spain as of December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The impact of an increase in default rates on the Group will depend on its magnitude, timing and pace, and could be significant. Furthermore, it is possible that the Group has incorrectly assessed the creditworthiness or willingness to pay of its counterparties, that it has underestimated the credit risks and potential losses inherent in its credit exposure and that it has made insufficient provisions for such risks in a timely manner. The processes involved in making such assessments, which have a crucial impact on the Group&#8217;s results and financial condition, require difficult, subjective and complex calculations, including forecasts of the impact that macroeconomic conditions could have on these counterparties. In particular, the Group&#8217;s estimates of losses derived from its exposure to credit risk may prove to be inadequate or insufficient in the current environment of economic uncertainty, which could affect the adequacy of the provisions for insolvencies provided by the Group. An increase in non-performing or low-quality loans could significantly and adversely affect the Group&#8217;s business, financial condition and results of operations. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group&#8217;s business is particularly vulnerable to interest rates and is exposed to risks associated with the continuity of certain reference rates and the transition to alternative reference rates</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group&#8217;s results of operations are substantially dependent upon the level of its net interest income, which is the difference between interest income from interest-earning assets and interest expense on interest-bearing liabilities. It is possible that changes in market interest rates affect the Group&#8217;s interest-earning assets differently from the Group&#8217;s interest-bearing liabilities. This, in turn, may lead to a reduction in the Group&#8217;s net interest margin, which could have a material adverse effect on its results. Moreover, changes in interest rates may affect the Group&#8217;s credit risk exposure (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">see &#8220;&#8212;The Group&#8217;s businesses are subject to inherent risks concerning borrowers and counterparties&#8217; credit quality and the value of collateral&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">).</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rates are highly sensitive to many factors beyond the Group&#8217;s control, including fiscal and monetary policies of governments and central banks, regulation of the financial sector, domestic and international economic and political conditions and other factors. The COVID-19 pandemic triggered a process of cuts in reference interest rates, which were then progressively reversed by central banks in order to combat inflation, with four interest rate increases implemented by the ECB since July 2022 through December 2022 and additional increases expected this year. However, interest rate increases are being implemented at a different pace across regions and it is possible that such increases could be reversed due to economic growth concerns or otherwise. The Group&#8217;s results of operations have been affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing both to a rise in net interest income and a rise in funding costs. Further increases in interest rates could adversely affect the Group by reducing the demand for credit, limiting its ability to generate credit for its clients and/or increasing the default rate of its borrowers and counterparties. In particular, the repayment capacity of loans tied to variable interest rates is more sensitive to changes in interest rates. As of December 31, 2022, 2021 and 2020, 49.2%, 50.2% and 53.2%, respectively, of the Group&#8217;s gross exposure of loans and advances to customers with maturity greater than one year had floating-interest rates. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Moreover, the transition away from and discontinuation of interbank offer rates (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IBORs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) could have an adverse effect on the Group. In recent years, international regulators have been driving a transition from the use of IBORs, including the London interbank offered rate (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">LIBOR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the euro interbank offered rate (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EURIBOR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the euro overnight index average (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EONIA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), to alternative risk free rates (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">RFRs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). This has resulted in regulatory reform and changes to existing IBORs, with further changes anticipated. These reforms and changes may cause an IBOR to perform differently than it has done in the past or to be discontinued. The Group is particularly exposed to EURIBOR-based financial instruments. However, as of December 31, 2022, the Group considers that there are limited transition risks relating to EURIBOR as it has been replaced by the hybrid EURIBOR which uses a methodology that meets the requirements of the European Regulation of Reference Indices.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although the transition from EUR, CHF, JPY and GBP LIBOR has been carried out without any material impact on the Group, the Group continues to maintain financial assets and liabilities whose contracts are referenced to LIBOR USD including, among others, loans, deposits and debt issuances as well as underlying derivative financial instruments, and the Group continues to work to adapt or modify the related documentation. The uncertainty about the nature and extent of USD LIBOR reforms and changes, and how they might affect financial instruments, could negatively impact the valuation and/or trading of a wide range of financial instruments for which USD LIBOR is used, including securities, loans, deposits and derivative instruments based on USD LIBOR issued by the Group or otherwise included in the financial assets and liabilities of the Group. Such uncertainty may also affect the availability and cost of hedging instruments and debt.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The implementation of any alternative RFRs may be impossible or impracticable under the existing terms of certain financial instruments. Such transition could also result in pricing risks arising from how changes to reference rates could impact pricing mechanisms in some instruments, and could have an adverse effect on the value of, return on and trading market for such financial instruments and on the Group&#8217;s profitability. In addition, the transition to RFRs will require important operational changes to the Group&#8217;s systems and infrastructure, as all systems will need to account for the changes in the reference rates.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, the evolution of interest rates and the transition to RFRs could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">12</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group faces increasing competition and is exposed to a changing business model</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The markets in which the Group operates are highly competitive and it is expected that this trend will continue in the coming years with the increasing entry of non-bank competitors (some of which have large client portfolios and strong brand recognition) and the emergence of new business models. In recent years, the financial services sector has undergone a significant transformation driven by the development of mobile technologies, the entry of new players into activities previously controlled by financial institutions and consolidation in the banking industry. Although the Group is making efforts to adapt to these changes through its digital transformation, its competitive position is affected by the fact that non-bank operators are less heavily regulated than banks such as BBVA. For example, banking groups are subject to prudential regulations that have implications for most of their businesses, including those in which they compete with non-bank operators (such as FinTechs or BigTechs) that are subject only to regulations specific to the activity they develop or that benefit from loopholes in the regulatory environment. Furthermore, when banking groups such as the Group carry out financial activities through the use of new technologies, they are generally subject to additional internal governance rules that place such groups at a competitive disadvantage.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, the widespread adoption of new technologies, including crypto currencies and alternative payment systems that do not use the banking system, could erode the Group&#8217;s business or require the Group to make substantial investment to modify or adapt existing products and services, including its mobile and internet banking capabilities. Likewise, the increasing use of these new technologies and mobile banking platforms could have an adverse impact on the Group&#8217;s investments in facilities, equipment and employees of the branch network. A faster pace of transformation towards mobile and online banking models could require changes in the Group&#8217;s commercial banking strategy, including the closure, restructuring or sale of branches, and significant reductions in employees. These changes could result in significant expenses as the Group reconfigures or reduces its commercial network. In addition, the trend towards the consolidation in the banking industry has created larger banks with which the Group must compete. According to the Bank of Spain, as a result of consolidation in the banking industry, the ten largest banking entities managed 87% of customer deposits in Spain as of March 2022. Any failure by the Group to adapt to its competitive environment or to implement any necessary changes to its business model efficiently or on a timely basis could have a material adverse impact on the Group&#8217;s competitive position or otherwise have a material adverse effect on the Group&#8217;s business, financial condition and results of operations. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The future success of the Group depends, in part, on its ability to use technology to provide suitable products and services for customers. While the Group has focused on developing its technological capabilities in recent years and is committed to digitization, its ability to compete successfully is likely to be adversely affected by, on the one hand, the existing uneven playing field between banks and non-bank players and, on the other, the increasing relevance of access to digital data and interactions for customer relationship management, which places digital platforms at an advantage. Digital platforms (such as those maintained by large technology or social media companies, and FinTechs) increasingly dominate access to data and control over digital interactions, and are already eroding the Group&#8217;s results in highly relevant markets such as payments. These platforms can leverage their advantage in access to data to compete with the Group in other markets and could reduce the Group&#8217;s operations and margins in its core businesses such as lending or wealth management. Some of the Group&#8217;s competitors have created alliances with BigTechs that may affect the Group&#8217;s ability to compete successfully and could adversely affect the Group. In the event that the Group is not successful in addressing increasing competition, its business, financial condition and results of operations could be materially and adversely affected.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group faces risks derived from its international geographic diversification and its significant presence in emerging countries</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group is made up of commercial banks, insurance companies and other financial services companies in various countries and its performance as a global business depends on its ability to manage its different businesses under various economic, social and political conditions, as well as different legal and regulatory requirements (including, among others, different supervisory regimes and different tax and legal regimes related to the repatriation of funds or the nationalization or expropriation of assets). In addition, the Group&#8217;s international operations may expose it to risks and challenges to which its local competitors may not be exposed, such as currency risk, the difficulty of managing or supervising a local entity from abroad, political risks (which could affect only foreign investors) or limitations on the distribution or repatriation of dividends, thus worsening its position compared to that of local competitors.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">13</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There can be no guarantee that the Group will be successful in developing and implementing policies and strategies in all of the countries in which it operates, some of which have experienced significant economic, political and social volatility in recent decades. In particular, the Group has significant operations in several emerging countries, such as Mexico and Turkey, and is therefore vulnerable to any deterioration in economic, social or political conditions in these countries. Emerging markets are generally affected by the conditions of other commercially or financially related markets and by the evolution of global financial markets in general (they may be affected, for example, by the evolution of GDP and interest rates in the United States and the exchange rate of the U.S. dollar), as well as, by fluctuations in the prices of commodities. The perception that the risks associated with investing in emerging economies have increased, in general, or in emerging markets where the Group operates, in particular, could reduce capital flows to those economies and adversely affect such economies and therefore the Group. Moreover, emerging countries are more prone to experience significant changes in inflation and foreign exchange rates, which may have a material impact on the Group&#8217;s results of operations, assets (including RWAs) and liabilities. In Turkey, for example, inflation was 64.3% for the year ended December 2022 (according to the Turkish Statistical Institute, TUIK) and the Turkish lira depreciated 23.7% against the euro as of December 31, 2022 compared to December 31, 2021. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group&#8217;s operations in emerging countries are also exposed to heightened political risks, such as changes in governmental policies, expropriation, nationalization, interest rate limits, exchange controls, capital controls, government restrictions on dividends or bank fees and adverse tax policies. For example, the repatriation of dividends from BBVA&#8217;s Venezuelan, Argentinian and Turkish subsidiaries is subject to certain restrictions and there is no assurance that further restrictions will not be imposed. As BBVA&#8217;s ability to pay dividends depends, in part, on the receipt of dividends from its subsidiaries, such restrictions may in turn affect BBVA&#8217;s ability to pay dividends. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the Group failed to adopt effective and timely policies and strategies in response to the risks and challenges it faces in each of the regions where it operates, particularly in emerging countries, the Group&#8217;s business, financial condition and results of operations could be materially and adversely affected.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group is exposed to various risks in connection with climate change </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Climate change, which is resulting in an increase in the intensity and frequency of extreme weather events and environmental degradation, presents both short, medium and long-term risks to the Group and its customers and counterparties, with the risks expected to increase over time. Risks posed by climate change may be classified into transition and physical risks. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Transition risks refer to changes in, among others, regulations, technologies and market preferences linked to the transition toward a less carbon-dependent economy, including the following:</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Legal and regulatory risks</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Legislative or regulatory changes regarding how banks manage climate risk or otherwise affecting banking practices or disclosure of climate-related information may result in higher compliance, operational and credit risks and costs. The Group&#8217;s customers and counterparties may also face similar challenges. Moreover, there are significant risks and uncertainties inherent in the development of adequate climate change-related risk assessment and modelling capabilities and the collection of customer, third party or other data, which may result in the Group&#8217;s systems or frameworks (or those of its customers and counterparties, where applicable) being inadequate, inaccurate or susceptible to incorrect customer, third party or other data. </span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Technological risks</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Certain of the Group&#8217;s customers and counterparties may be adversely affected by the progressive transition to a low-carbon economy and/or risks associated with new low-carbon technologies. If our customers and counterparties fail to adapt to the transition to a low-carbon economy, or if the costs of doing so adversely affect their creditworthiness, this could adversely affect the Group&#8217;s relevant loan portfolios.</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Market risks</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The funding costs of businesses that are perceived to be more exposed to climate change could increase, which may result in the deterioration of their creditworthiness and credit ratings, adversely affecting the Group&#8217;s relevant loan portfolios. The Group could also be adversely affected by changes in demand brought by climate change, as well as changes in energy supply and prices, among others.</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Reputational risks</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The perception of climate change as a risk by society, shareholders, customers, governments and other stakeholders continues to increase, including in relation to the financial sector&#8217;s operations and strategy. This may result in increased scrutiny of the Group&#8217;s activities, as well as its climate change-related policies, goals and disclosure. The Group&#8217;s reputation may be harmed if its efforts to reduce environmental and social risks are deemed to be insufficient. Divergent views on ESG policies may also have a negative impact on the Group&#8217;s reputation. Increased scrutiny of climate change-related policies, goals and disclosure may result in litigation and regulatory investigations and actions. The Group has disclosed certain aspirational climate-related goals and such goals, which are being pursued over the long-term, may prove to be considerably more costly or difficult than currently expected, or even impossible, to achieve, including as a result of changes in environmental and energy regulation and policy, the pace of technological change and innovation and the actions of governments, Group&#8217;s customers and competitors.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">14</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The physical risk arising from climate change could result from increased frequency and/or severity of adverse weather events or the impact of climate change over the long term. The activities of the Group or those of its customers or counterparties could be adversely affected by the physical risks arising from climate change. For example, extreme weather events may damage or destroy the properties and other assets of the Group or those of its customers or counterparties, result in increased costs, or otherwise disrupt their respective operations (for example, if supply chains are disrupted as a result), diminishing &#8211;in the case of the Group&#8217;s customers or counterparties - their repayment capacity and, if applicable, the value of assets pledged as collateral to the Group. The Group is also exposed to potential long-term risks arising from climate change, such as increases in credit-related costs due to deteriorating macroeconomic conditions, which may be caused in part by an increase in infectious diseases or other ailments resulting from climate change. The Group could also be adversely affected by widespread declines in asset values as a result of climate change or climate change-related risks, reduced availability of insurance and significant interruptions to business operations, and may be required to change its business models in response to those consequences.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any of these factors may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group faces risks related to its acquisitions and divestitures</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group has acquired and sold several companies and businesses over the past few years. For additional information on recent transactions, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;History and Development of the Company&#8212;Capital Divestitures</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Capital Expenditures</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group may not complete any ongoing or future transactions in a timely manner, on a cost-effective basis or at all and, if completed, they may not have the expected results. In addition, if completed, the Group&#8217;s results of operations could be adversely affected by divestiture or acquisition-related charges and contingencies. The Group may be subject to litigation in connection with, or as a result of, divestitures or acquisitions, including claims from terminated employees, customers or third parties. In the case of an acquisition, the Group may be liable for potential or existing litigation and claims related to an acquired business, including because either the Group is not indemnified for such claims or the indemnification is insufficient. Further, in the case of a divestiture, the Group may be required to indemnify the buyer in respect of similar or other matters, including claims against the divested entity or business.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the case of an acquisition, even though the Group reviews the companies it plans to acquire, it is often not possible for these reviews to be complete in all respects and there may be risks associated with unforeseen events or liabilities relating to the acquired assets or businesses that may not have been revealed or properly assessed during the due diligence processes, resulting in the Group assuming unforeseen liabilities or an acquisition not performing as expected. In addition, acquisitions are inherently risky because of the difficulties that may arise in integrating people, operations and technologies. There can be no assurance that any of the businesses the Group acquires can be successfully integrated or that they will perform well once integrated.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Acquisitions may also lead to potential write-downs that adversely affect the Group&#8217;s results of operations. Any of the foregoing may cause the Group to incur significant unexpected expenses, may divert significant resources and management attention from the Group&#8217;s other business concerns, or may otherwise have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FINANCIAL RISKS</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group has a continuous demand for liquidity to finance its activities and the withdrawal of deposits or other sources of liquidity could significantly affect it</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Traditionally, one of the Group&#8217;s main sources of financing has been savings accounts and demand deposits. As of December 31, 2022, the balance of customer deposits represented 75% of the Group&#8217;s total financial liabilities at amortized cost. However, the volume of wholesale and retail deposits can fluctuate significantly, including as a result of factors beyond the Group&#8217;s control, such as general economic conditions, changes in economic policy or administrative decisions that diminish their attractiveness as savings instruments (for example, as a consequence of changes in taxation, coverage by guarantee funds for deposits or expropriations) or competition from other savings or investment instruments (including deposits from other banks).</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Likewise, changes in interest rates and credit spreads may significantly affect the cost of the Group&#8217;s short and long-term wholesale financing. Changes in credit spreads are driven by market factors and are also influenced by the market&#8217;s perception of the Group&#8217;s solvency. As of December 31, 2022, debt securities issued by the Group represented 10.5% of the total financial liabilities at amortized cost of the Group.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">15</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Group has made and continues to make significant use of public sources of liquidity, such as the ECB&#8217;s extraordinary measures taken in response to the financial crisis since 2008 or those taken in connection with the crisis caused by the COVID-19 pandemic. As of December 31, 2022, BBVA had drawn down &#8364;26,711 million under the ECB&#8217;s Targeted Long Term Refinancing Operations (TLTRO) III program (&#8364;38,692 million as of December 31, 2021 and &#8364;35,032 million as of December 31, 2020). However, the conditions of this or other ECB programs could be revised or they could be cancelled at any time.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event of a withdrawal of deposits or other sources of liquidity, especially if it is sudden or unexpected, the Group may not be able to finance its financial obligations or meet the minimum liquidity requirements that apply to it, and may be forced to incur higher financial costs, liquidate assets and take additional measures to reduce leverage. Furthermore, the Group could be subject to the adoption of early intervention measures or, ultimately, to the adoption of a resolution measure by the Relevant Spanish Resolution Authority (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). Any of the above could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group depends on its credit ratings and sovereign credit ratings, especially Spain&#8217;s credit ratings</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Rating agencies periodically review the Group&#8217;s debt credit ratings. Any reduction, effective or anticipated, in any such ratings of the Group, whether below investment grade or otherwise, could limit or impair the Group&#8217;s access to capital markets and other possible sources of liquidity and increase the Group&#8217;s financing cost, and entail the breach or early termination of certain contracts or give rise to additional obligations under those contracts, such as the need to grant additional guarantees. Furthermore, if the Group were required to cancel its derivative contracts with some of its counterparties and were unable to replace them, its market risk would worsen. Likewise, a reduction in the credit rating could affect the Group&#8217;s ability to sell or market some of its products or to participate in certain transactions, and could lead to the loss of customer deposits and make third parties less willing to carry out commercial transactions with the Group (especially those that require a minimum credit rating), having a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the Group&#8217;s credit ratings could be affected by variations in sovereign credit ratings, particularly the rating of Spanish sovereign debt. The Group holds a significant portfolio of debt issued by Spain, by the Spanish autonomous communities and by other government or government-related Spanish issuers. As of December 31, 2022 the Group&#8217;s exposure (European Banking Authority (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EBA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) criteria) to such debt was &#8364;39,485 million, representing 5.5% of the consolidated total assets of the Group. Any decrease in the credit rating of Spain could adversely affect the valuation of the respective debt portfolios held by the Group and lead to a reduction in the Group&#8217;s credit ratings. Additionally, counterparties to many of the credit agreements signed with the Group could also be affected by a decrease in the credit rating of Spain, which could limit their ability to attract additional resources or otherwise affect their ability to pay their outstanding obligations to the Group. It is possible that current or future economic and geopolitical conditions or other factors could lead to ratings actions and changes to BBVA&#8217;s credit ratings, any of which could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group&#8217;s earnings and financial condition have been, and its future earnings and financial condition may continue to be, materially affected by asset impairment</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulatory, business, economic or political changes and other factors could lead to asset impairment. In recent years, severe market events such as the past sovereign debt crisis, rising risk premiums and falls in share market prices, have resulted in the Group recording large write-downs on its credit market exposures. Doubts regarding the asset quality of European banks has also affected their evolution in the market in recent years.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Several ongoing factors could depress the valuation of the Group&#8217;s assets or otherwise lead to the impairment of such assets (including goodwill and deferred tax assets). This includes a deteriorating macroeconomic environment, Russia&#8217;s invasion of Ukraine and the possible escalation of conflict, new COVID-19 outbreaks, the consequences of Brexit, the surge of populist trends in several countries, increased trade tensions and potential changes in U.S. economic policies implemented by the current U.S. administration, any of which could increase global financial volatility and lead to the reallocation of assets. In addition, uncertainty about China&#8217;s growth expectations and its policymaking capability to address certain severe challenges has contributed to the deterioration of the valuation of global assets and further increased volatility in the global financial markets. Any asset impairments resulting from these or other factors could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">16</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group has a substantial amount of commitments with personnel considered wholly unfunded due to the absence of qualifying plan assets</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group faces liquidity risk in connection with its ability to make payments on its unfunded commitments with personnel (which are recognized under the heading &#8220;Provisions&#8212;Provisions for pensions and similar obligations&#8221; in the Group&#8217;s consolidated balance sheet), which it seeks to mitigate, with respect to post-employment benefits, by maintaining insurance contracts which were contracted with insurance companies owned by the Group. The insurance companies have recorded in their balance sheets specific assets (fixed interest deposit and bonds) assigned to the funding of these commitments. The insurance companies also manage derivatives (primarily swaps) to mitigate the interest rate risk in connection with the payments of these commitments. The Group seeks to mitigate liquidity risk with respect to early retirements and post-employment welfare benefits through oversight by the Assets and Liabilities Committee (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ALCO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) of the Group. The Group&#8217;s ALCO manages a specific asset portfolio to mitigate the liquidity risk resulting from the payments of these commitments. These assets are government and covered bonds which are issued at fixed interest rates with maturities matching the aforementioned commitments. The Group&#8217;s ALCO also manages derivatives (primarily swaps) to mitigate the interest rate risk in connection with the payments of these commitments. Should BBVA fail to adequately manage liquidity risk and interest rate risk either as described above or otherwise, it could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">LEGAL RISKS</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group is party to a number of legal and regulatory actions and proceedings</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial sector faces an environment of increasing regulatory and litigation pressure. The Group is party to government procedures and investigations, such as those carried out by the antitrust authorities which, among other things, have in the past and could in the future result in sanctions, as well as lead to claims by customers and others.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The various Group entities are also frequently party to individual or collective judicial proceedings (including class actions) resulting from their activity and operations, as well as arbitration proceedings. For example, in April 2017, the Mexican Federal Economic Competition Commission (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Comisi&#243;n Federal de Competencia Econ&#243;mica</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) launched an antitrust investigation relating to alleged monopolistic practices of certain financial institutions, including BBVA&#8217;s subsidiary BBVA Mexico,</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">in connection with transactions in Mexican government bonds. This investigation concluded with the Commission imposing fines to all financial institutions involved, with BBVA Mexico being imposed with a fine insignificant in amount, which BBVA Mexico has challenged. In March 2018, BBVA Mexico and certain other affiliates of the Group were named as defendants in a putative class action lawsuit filed in the United States District Court for the Southern District of New York, alleging that the defendant banks and their named subsidiaries engaged in collusion with respect to the purchase and sale of Mexican government bonds. In December 2019, following a decision from the judge assigned to hear the proceedings, plaintiffs withdrew their claims against BBVA Mexico&#8217;s affiliates. In November 2020, the judge granted the remaining defendants&#8217; motion to dismiss for lack of personal jurisdiction. Plaintiffs filed a motion for reconsideration of that decision in May 2021, which the judge denied in March 2022. Final judgment dismissing plaintiffs&#8217; claims was entered in August 2022. In September 2022 plaintiffs appealed the district court&#8217;s decisions to the United States Court of Appeals for the Second Circuit. Briefing on the appeal was completed in late February 2023. </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">More generally, in recent years, regulators have increased their supervisory focus on consumer protection and corporate behavior, which has resulted in an increased number of regulatory actions.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Spain and in other jurisdictions where the Group operates, legal and regulatory actions and proceedings against financial institutions, prompted in part by certain recent national and supranational rulings in favor of consumers (with regards to matters such as credit cards and mortgage loans), have increased significantly in recent years and this trend could continue in the future. Legal and regulatory actions and proceedings faced by other financial institutions, especially if such actions or proceedings result in favorable resolutions for the consumer, could also adversely affect the Group. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Principal Markets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on certain additional legal and regulatory actions and initiatives.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All of the above may result in a significant increase in operating and compliance costs and/or a reduction in revenues, and it is possible that an adverse outcome in any proceedings (depending on the amount thereof, the penalties imposed or the resulting procedural or management costs for the Group) could materially and adversely affect the Group, including by damaging its reputation.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is difficult to predict the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and those that may arise in the future, including actions and proceedings relating to former Group subsidiaries or in respect of which the Group may have indemnification obligations. Any of such outcomes could be adverse to the Group. In addition, a decision in any matter, whether against the Group or against another credit entity facing similar claims as those faced by the Group, could give rise to other claims against the Group. In addition, these actions and proceedings draw resources away from the Group and may require significant attention on the part of the Group&#8217;s management and employees. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the Group had &#8364;685 million in provisions for the proceedings it is facing (which are included in the line item &#8220;Provisions for taxes and other legal contingencies&#8221; in the consolidated balance sheet) of which &#8364;524 million corresponded to legal contingencies and &#8364;161 million corresponded to tax-related contingencies. However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because it is not possible to estimate any such provisions or for other reasons) makes it impossible to guarantee that the possible losses arising from such proceedings will not exceed, where applicable, the amounts that the Group currently has provisioned and, therefore, could affect the Group&#8217;s consolidated results.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the above, legal and regulatory actions and proceedings currently faced by the Group or to which it may become subject in the future or which may otherwise affect the Group, whether individually or in the aggregate, if resolved in whole or in part adversely to the Group&#8217;s interests, could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Spanish judicial authorities are carrying out a criminal investigation relating to possible bribery, revelation of secrets and corruption by BBVA</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Spanish judicial authorities are investigating the activities of Centro Exclusivo de Negocios y Transacciones, S.L. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Cenyt</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). Such investigation includes the provision of services by Cenyt to BBVA. On July 29, 2019, BBVA was named as an investigated party (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">investigado</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) in a criminal judicial investigation (Preliminary Proceeding No. 96/2017 &#8211; Piece No. 9, Central Investigating Court No. 6 of the National High Court) for alleged facts which could constitute bribery, revelation of secrets and corruption. On February 3, 2020, BBVA was notified by the Central Investigating Court No. 6 of the National High Court of the order lifting the secrecy of the proceedings. Certain current and former officers and employees of the Group, as well as former directors, have also been named as investigated parties in connection with this investigation. BBVA has been and continues to be proactively collaborating with the Spanish judicial authorities, including sharing with the courts information obtained in the internal investigation hired by the entity in 2019 to contribute to the clarification of the facts. As at the date of this Annual Report, no formal accusation against BBVA has been made.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This criminal judicial proceeding is in the pre-trial phase. Therefore, it is not possible at this time to predict the scope or duration of such proceeding or any related proceeding or its or their possible outcomes or implications for the Group, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">REGULATORY, TAX, COMPLIANCE AND REPORTING RISKS</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial services sector is one of the most regulated sectors in the world. The Group is subject to a broad regulatory and supervisory framework, which has increased significantly in the last decade. Regulatory activity in recent years has affected multiple areas, including changes in accounting standards; strict regulation of capital, liquidity and remuneration; bank charges and taxes on financial transactions; regulations affecting mortgages, banking products and consumers and users; recovery and resolution measures; stress tests; prevention of money laundering and terrorist financing; market abuse; conduct in the financial markets; anti-corruption; and requirements as to the periodic publication of information. Governments, regulatory authorities and other institutions continually make proposals to strengthen the resistance of financial institutions to future crises. Further, there is an increasing focus on the climate-related financial risk management capabilities of banks.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the international nature of the Group&#8217;s operations means that the Group is subject to a wide and complex range of local and international regulations in these matters, sometimes with overlapping scopes and areas regulated. This complexity, which can be exacerbated by differences and changes in the interpretation or application of these standards by local authorities, makes compliance risk management difficult and costly, requiring highly sophisticated monitoring, qualified personnel and general training of employees.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any change in the Group&#8217;s business that is necessary to comply with any particular regulations at any given time, especially in Spain, Mexico or Turkey, could lead to a considerable loss of income, limit the Group&#8217;s ability to identify business opportunities, affect the valuation of its assets, force the Group to increase its prices and, therefore, reduce the demand for its products, impose additional costs on the Group or otherwise adversely affect its business, financial condition and results of operations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">18</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group is subject to a comprehensive regulatory and supervisory framework, including resolution regulations, which could have a material adverse effect on its business, financial condition and results of operations</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group is subject to a comprehensive regulatory and supervisory framework, the complexity and scope of which has increased significantly following the 2008 global financial crisis and the crisis caused by the COVID-19 pandemic. In particular, the banking sector is subject to continuous scrutiny at the political level and by the supervisory bodies, and it is foreseeable that in the future there will continue to be political intervention in regulatory and supervisory processes, as well as in the governance of the main financial entities. For these reasons, the laws, regulations and policies to which the Group is subject, as well as their interpretation and application, may change at any time. In addition, supervisors and regulators have significant discretion in carrying out their duties, which gives rise to uncertainty regarding the interpretation and implementation of the regulatory framework. Moreover, regulatory fragmentation and the implementation by some countries of more flexible or stricter rules or regulations could also negatively affect the Group&#8217;s ability to compete with financial institutions that may or may not have to comply with any such rules or regulations, as applicable.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulatory changes over the last decade, as well as those currently being proposed (including changes in the interpretation or application of existing regulations), have increased and may continue to substantially increase the Group&#8217;s operating expenses and adversely affect its business model. For example, the imposition of prudential capital standards has limited and is expected to continue to limit the ability of subsidiaries to distribute capital to the Group, while liquidity standards may lead the Group to hold a higher proportion of financial instruments with higher liquidity and lower performance, which can adversely affect its net interest margin. In addition, the Group&#8217;s regulatory and supervisory authorities may require the Group to increase its loan loss allowances and record asset impairments, which could have an adverse effect on its financial condition. Any legislative or regulatory measure, any necessary change in the Group&#8217;s business operations as a consequence of such measures, as well as any failure to comply with them, could result in a significant loss of income, represent a limitation on the ability of the Group to take advantage of business opportunities and offer certain products and services, affect the value of the Group&#8217;s assets, force the Group to increase prices (which could reduce the demand for its products), impose additional compliance costs or result in other possible adverse effects for the Group.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One of the most significant regulatory changes resulting from the 2008 global financial crisis, was the introduction of resolution regulations (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). In the event that the Relevant Spanish Resolution Authority (as defined herein) considers that the Group is in a situation where conditions for early intervention or resolution are met, it may adopt the measures provided for in the applicable resolution regulations, including without prior notice. Such measures could include, among others, the write down and/or conversion into equity (or other securities or obligations) of unsecured debt claims of the Group. In addition, the Relevant Spanish Resolution Authority may apply Non-Viability Loss Absorption (as defined herein) in the event that it determines that the entity meets the conditions for its resolution or will no longer be viable unless capital instruments are written down or converted into equity or extraordinary public support is provided. Any such determination or the mere possibility that such determination could be made, could materially and adversely affect the Group&#8217;s business, financial condition and results of operations, as well as the market price and behavior of securities issued by the Group (or their terms, if amended following an exercise of the Spanish Bail-in-Power (as defined herein)).</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Increasingly onerous capital and liquidity requirements may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group is subject to various minimum capital, liquidity and funding requirements, among others. For example, in its capacity as a Spanish credit institution, the Group is subject to compliance with a &#8220;Pillar 1&#8221; solvency requirement, a &#8220;Pillar 2&#8221; solvency requirement and a &#8220;combined buffer requirement&#8221;, at both the individual and consolidated levels. For additional information on such requirements, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and, with respect to the Group&#8217;s requirements in particular, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8212;Liquidity and Capital Resources&#8212;Capital</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 32.1 to the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Group believes it meets its current requirements (as applicable to the Bank and the Group as a whole, respectively), the capital requirements, the MREL requirements and the calculation of the own funds and the eligible liabilities available for MREL purposes are subject to interpretation and change and, therefore, no assurance can be given that the Group&#8217;s interpretation is the appropriate one or that the Bank and/or the Group will not be subject to more stringent requirements at any future time. Likewise, no assurance can be given that the Bank and/or the Group will be able to fulfil whatever future requirements may be imposed, even if such requirements were to be equal or lower than those currently in force. No assurances can be made that the Bank and/or the Group will meet any capital target that may be announced to the market at any given time. If an announced target is not met, this could adversely affect the market value or behavior of securities issued by the Bank and/or the Group and/or lead to the implementation of new recommendations or requirements regarding &#8220;Pillar 2&#8221; or (should the Relevant Spanish Resolution Authority interpret that obstacles may exist for the viability of the resolution of the Bank and/or the Group), MREL. Further, the Bank and/or the Group may fail to meet consensus estimates, as occurred with respect to the CET 1 ratios as of December 31, 2021, which may also affect market perceptions of the Bank and the Group.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the Bank or the Group failed to comply with its &#8220;combined buffer requirement&#8221;, the Bank would have to calculate the Maximum Distributable Amount (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MDA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and, until such calculation has been undertaken and reported to the Bank of Spain, the Bank would not be able to make any discretionary payments. Once the MDA has been calculated and reported, such discretionary payments would be limited to the calculated MDA. Likewise, should the Bank or the Group not meet the applicable combined buffer requirement, it could result in the imposition of additional requirements of &#8220;Pillar 2&#8221;. Regarding MREL, failure by BBVA to meet its relevant &#8220;combined buffer requirement&#8221; could result in the imposition of restrictions or prohibitions on discretionary payments. Additionally, failure to comply with the capital requirements may result in the implementation of early intervention measures or, ultimately, resolution measures by the resolution authorities. For additional information on such requirements, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulation (EU) 2019/876 of the European Parliament and of the Council, of May 20, 2019 (as amended, replaced or supplemented at any time, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR II</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) establishes a binding requirement for the leverage ratio effective from June 28, 2021 of 3% of Tier 1 capital (as of December 31, 2022 the phased-in leverage ratio of the Group was 6.49% and the fully loaded ratio was 6.46%). Any failure to comply with this leverage ratio buffer may also result in the need to calculate and report the MDA, and restrictions on discretionary payments. Moreover, CRR II proposes new requirements that capital instruments must meet in order to be considered AT1 or Tier 2 instruments. Once the grandfathering period in CRR II has elapsed, AT1 and/or Tier 2 instruments which do not comply with the new requirements at such date will no longer be considered as capital instruments. This could give rise to shortfalls in the Bank&#8217;s or the Group&#8217;s regulatory capital and, ultimately, could result in failure to comply with the applicable minimum regulatory capital requirements, with the aforementioned consequences.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, the full implementation of the ECB expectations regarding prudential provisions for NPLs (published on May 15, 2018) and the ECB&#8217;s review of internal models being used by banks subject to its supervision for the calculation of their RWAs (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TRIMs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), as well as complementary regulatory initiatives like the EBA&#8217;s roadmap to repair internal models used to calculate own funds requirements for credit risk under the Internal Ratings Based (IRB) approach, could result in the need to increase provisions for future NPLs and increases in the Group&#8217;s capital needs.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the implementation of the Basel III reforms (informally referred to as Basel IV) described in &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; (including changes to the calculation of the Group&#8217;s Operational Risk) could result in an increase of the Bank&#8217;s and the Group&#8217;s total RWAs and, therefore, could also result in a decrease of the Bank&#8217;s and the Group&#8217;s capital ratios. Likewise, the lack of uniformity in the implementation of the Basel III reforms across jurisdictions in terms of timing and applicable regulations could give rise to inequalities and competition distortions. Moreover, the lack of regulatory coordination, with some countries bringing forward the application of Basel III requirements or increasing such requirements, could adversely affect an entity with global operations such as the Group and could affect its profitability.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, should the Total Loss Absorbing Capacity (TLAC) requirements, currently only imposed upon financial institutions of global systemic importance (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">G-SIBs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), be imposed on non-G-SIBs entities or should the Group once again be classified as a G-SIB, additional minimum requirements similar to MREL could in the future be imposed upon the Group.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There can be no assurance that the capital or MREL requirements will not adversely affect the Bank&#8217;s or its subsidiaries&#8217; ability to make discretionary payments, or result in the cancellation of such payments (in whole or in part), or require the Bank or such subsidiaries to issue additional securities that qualify as eligible liabilities or regulatory capital, to liquidate assets, to curtail business or to take any other actions, any of which may have adverse effects on the Group&#8217;s business, financial condition and results of operations. Furthermore, an increase in capital or MREL requirements could adversely affect the return on equity and other of the Group&#8217;s financial results indicators. Moreover, the Bank&#8217;s or the Group&#8217;s failure to comply with their capital or MREL requirements could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">20</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Lastly, the Group must also comply with liquidity and funding ratios. Several elements of the liquidity coverage ratio (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">LCR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and net stable financing ratio (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NSFR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), as introduced by national banking regulators, may require implementing changes in some of its commercial practices, which could expose the Group to additional expenses (including an increase in compliance expenses), affect the profitability of its activities or otherwise lead to a material adverse effect on the Group&#8217;s business, financial condition and results of operations. For information on the Group&#8217;s requirements, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8212;Liquidity and Capital Resources</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group is exposed to tax risks that may adversely affect it </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The size, geographic diversity and complexity of the Group and its commercial and financial relationships with both third parties and related parties result in the need to consider, evaluate and interpret a considerable number of tax laws and regulations, as well as any relevant interpretative materials, which in turn involve the use of estimates, the interpretation of indeterminate legal concepts and the determination of appropriate valuations in order to comply with the tax obligations of the Group. In particular, the preparation of the Group&#8217;s tax returns and the process for establishing tax provisions involve the use of estimates and interpretations of tax laws and regulations, which are complex and subject to review by the tax authorities. Any error or discrepancy with tax authorities in any of the jurisdictions in which the Group operates may give rise to prolonged administrative or judicial proceedings that may have a material adverse effect on the Group&#8217;s results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, governments in different jurisdictions, including Spain, are seeking to identify new funding sources, and they have recently focused on the financial sector. The Group&#8217;s presence in various jurisdictions increases its exposure to new laws and regulatory and interpretative changes, including in response to the demands of various political forces, which could, among other things, lead to (i) the creation of new taxes, such as (a) the temporary windfall tax applicable to credit institutions operating in Spain amounting to 4.8% of the net income from interest and commissions generated in Spain, which is currently intended to apply to the fiscal years 2023 and 2024, (b) the common financial transaction tax (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FTT</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) contemplated in the proposed Tax Directive of the European Commission for the Financial Transactions Tax (which would tax the acquisitions of certain securities, negotiated in markets where the Group operates), and (c) the Spanish FTT which came into effect in Spain in January 2021; (ii) an increase in the rates of existing taxes, such as the imposition, with effects as of January 1, 2022, of a minimum effective tax rate for purposes of the Spanish corporate income tax (set at 18%); and (iii) changes in the calculation of tax bases and exemptions therefrom, such as the recent limitation adopted in Spain with respect to the exemption for dividends and capital gains from domestic and foreign subsidiaries for purposes of the Spanish corporate income tax, pursuant to which 5% of the dividends and capital gains of Group companies in Spain will be subject to, and not exempt from, corporate tax. The increasing tax burden faced by the Group may have a material adverse effect on its business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Group is exposed to compliance risks </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group, due to its role in the economy and the nature of its activities, is singularly exposed to certain compliance risks. In particular, the Group must comply with regulations regarding customer conduct, market conduct, the prevention of money laundering and the financing of terrorist activities, the protection of personal data, the restrictions established by national or international sanctions programs and anti-corruption laws (including the US Foreign Corrupt Practices Act of 1977 and the UK Bribery Act of 2010), the violations of which could lead to very significant penalties. These anti-corruption laws generally prohibit providing anything of value to government officials for the purposes of obtaining or retaining business or securing any improper business advantage. As part of the Group&#8217;s business, the Group directly or indirectly, through third parties, deals with entities whose employees are considered to be government officials. The Group&#8217;s activities are also subject to complex customer protection and market integrity regulations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Generally, these regulations require banking entities to, among other measures, use due diligence measures to manage compliance risk. Sometimes, banking entities must apply reinforced due diligence measures due to the nature of their activities (among others, private banking, money transfer and foreign currency exchange operations), as they may present a higher risk of money laundering or terrorist financing.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although the Group has adopted policies, procedures, systems and other measures to manage compliance risk, it is dependent on its employees and external suppliers for the implementation of these policies, procedures, systems and other measures, and it cannot guarantee that these are sufficient or that the employees (115,675 as of December 31, 2022) or other persons of the Group or its business partners, agents and/or other third parties with a business or professional relationship with the Group do not circumvent or violate regulations or the Group&#8217;s ethics and compliance regulations, acts for which such persons or the Group could be held ultimately responsible and/or that could damage the Group&#8217;s reputation. In particular, acts of misconduct by any employee, and particularly by senior management, could erode trust and confidence and damage the Group&#8217;s reputation among existing and potential clients and other stakeholders. Actual or alleged misconduct by Group entities in any number of activities or circumstances, including operations, employment-related offenses such as sexual harassment and discrimination, regulatory compliance, the use and protection of data and systems, and the satisfaction of client expectations, and actions taken by regulators or others in response to such misconduct, could lead to, among other things, sanctions, fines and reputational damage, any of which could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the Group may not be able to prevent third parties outside the Group from using the banking network in order to launder money or carry out illegal or inappropriate activities. Further, financial crimes continually evolve and emerging technologies, such as cryptocurrencies and blockchain, could limit the Group&#8217;s ability to track the movement of funds. Additionally, in adverse economic conditions, it is possible that financial crime attempts will increase significantly.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If there is a breach of the applicable regulations or the Group&#8217;s ethics and compliance regulations or if the competent authorities consider that the Group does not perform the necessary due diligence inherent to its activities, such authorities could impose limitations on the Group&#8217;s activities, the revocation of its authorizations and licenses, and economic penalties, in addition to having significant consequences for the Group&#8217;s reputation, which could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations. Furthermore, the Group from time to time conducts investigations related to alleged violations of such regulations and the Group&#8217;s ethics and compliance regulations, and any such investigation or any related proceedings could be time consuming and costly, and its results difficult to predict.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, the COVID-19 pandemic led to new specific regulations largely focused on consumer protection being adopted in many countries, mainly in 2020. The need to timely adapt the Group&#8217;s processes and systems to these new regulations under the then prevailing circumstances has posed compliance risk. Likewise, the increase in remote account opening driven in part by the pandemic has resulted in increased money laundering risks. Additionally, criminals have sought to exploit the opportunities created by the pandemic across the globe, which has resulted in increased money laundering risks associated with counterfeiting of medical goods, investment fraud, cyber-crime scams and exploitation of economic stimulus measures put in place by governments. Increased strain on the Group&#8217;s communications surveillance frameworks could raise the Group&#8217;s market conduct risk.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">BBVA&#8217;s financial statements are based in part on assumptions and estimates which, if inaccurate, could cause material misstatement of the results of its operations and financial condition</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of financial statements in compliance with IFRS-IASB requires the use of estimates. It also requires management to exercise judgment in applying relevant accounting policies. The key areas involving a higher degree of judgment or complexity, or areas where assumptions are significant to the consolidated and individual financial statements, include the classification, measurement and impairment of financial assets, particularly where such assets do not have a readily available market price, the assumptions used to quantify certain provisions and for the actuarial calculation of post-employment benefit liabilities and commitments, the useful life and impairment losses of tangible and intangible assets, the valuation of goodwill and purchase price allocation of business combinations, the fair value of certain unlisted financial assets and liabilities, the recoverability of deferred tax assets and the exchange and inflation rates of Venezuela. There is a risk that if the judgment exercised or the estimates or assumptions used subsequently turn out to be incorrect then this could result in significant loss to the Group beyond that anticipated or provided for, which could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Observable market prices are not available for many of the financial assets and liabilities that the Group holds at fair value and a variety of techniques to estimate the fair value are used. Should the valuation of such financial assets or liabilities become observable, for example as a result of sales or trading in comparable assets or liabilities by third parties, this could result in a materially different valuation to the current carrying value in the Group&#8217;s financial statements.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The further development of standards and interpretations under IFRS-IASB could also significantly affect the results of operations, financial condition and prospects of the Group.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">OPERATIONAL RISKS</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Attacks, failures or deficiencies in the Group&#8217;s procedures, systems and security or those of third parties to which the Group is exposed could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations, and could be detrimental for its reputation</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group&#8217;s activities depend to a large extent on its ability to process and report effectively and accurately on a high volume of highly complex transactions with numerous and diverse products and services (by their nature, generally ephemeral), in different currencies and subject to different regulatory regimes. Therefore, it relies on highly sophisticated information technology (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IT</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) systems for data transmission, processing and storage. However, IT systems are vulnerable to various problems, such as hardware and software malfunctions, computer viruses, hacking, and physical damage to IT centers. BBVA&#8217;s exposure to these risks has increased significantly in recent years due to the Group&#8217;s implementation of its ambitious digital strategy. Digital services, as well as other alternatives that BBVA offers users to become BBVA customers, have become even more important after the COVID-19 outbreak and the ensuing restrictions on mobility in the countries in which the Group operates. Currently, one in two new clients chooses digital channels to start their relationship with BBVA. The Group suffers cybersecurity incidents and system failures from time to time, and any such incident or failure could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations, and could be detrimental for its reputation.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">22</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any attack, failure or deficiency in the Group&#8217;s systems could, among other things, lead to the misappropriation of funds of the Group&#8217;s clients or the Group itself and the unauthorized disclosure, destruction or use of confidential information, as well as prevent the normal operation of the Group, and impair its ability to provide services and carry out its internal management. In addition, any attack, failure or deficiency could result in the loss of customers and business opportunities, damage to computers and systems, violation of regulations regarding data protection and/or other regulations, exposure to litigation, fines, sanctions or interventions, loss of confidence in the Group&#8217;s security measures, damage to its reputation, reimbursements and compensation, and additional regulatory compliance expenses and could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations. Furthermore, it is possible that such attacks, failures or deficiencies will not be detected on time or ever. The Group is likely to be forced to spend significant additional resources to improve its security measures in the future. As cyber-attacks are becoming increasingly sophisticated and difficult to prevent, the Group may not be able to anticipate or prevent all possible vulnerabilities, nor to implement preventive measures that are effective or sufficient.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customers and other third parties to which the Group is significantly exposed, including the Group&#8217;s service providers (such as data processing companies to which the Group has outsourced certain services), face similar risks. Any attack, failure or deficiency that may affect such third parties could, among other things, adversely affect the Group&#8217;s ability to carry out operations or provide services to its clients or result in the unauthorized disclosure, destruction or use of confidential information. Furthermore, the Group may not be aware of such attack, failure or deficiency in time, which could limit its ability to react. Moreover, as a result of the increasing consolidation, interdependence and complexity of financial institutions and technological systems, an attack, failure or deficiency that significantly degrades, eliminates or compromises the systems or data of one or more financial institutions could have a significant impact on its counterparts or other market participants, including the Group.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">23</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_52"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 4. INFORMATION ON THE COMPANY</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_55"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.   History and Development of the Company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s predecessor bank, BBV (Banco Bilbao Vizcaya), was incorporated as a public limited company (a &#8220;sociedad an&#243;nima&#8221; or S.A.) under the Spanish Corporations Law on October 1, 1988. BBVA was formed following the merger of Argentaria into BBV (Banco Bilbao Vizcaya), which was approved by the shareholders of each entity on December 18, 1999 and registered on January 28, 2000. It conducts its business under the commercial name &#8220;BBVA&#8221;. BBVA is registered with the Commercial Registry of Vizcaya (Spain). It has its registered office at Plaza de San Nicol&#225;s 4, Bilbao, Spain, 48005, and operates out of Calle Azul, 4, 28050, Madrid, Spain (Telephone: +34-91-374-6201). BBVA&#8217;s agent in the U.S. for U.S. federal securities law purposes is Banco Bilbao Vizcaya Argentaria, S.A. New York Branch (1345 Avenue of the Americas, 44th Floor, New York, New York 10105 (Telephone: +1-212-728-1660)). BBVA is incorporated for an unlimited term.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_58"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital Expenditures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our principal investments are financial investments in our subsidiaries and affiliates. The main capital expenditures from 2020 to the date of this Annual Report were the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2021, BBVA announced a voluntary takeover bid (VTB) addressed to the holders of the 2,106,300,000 shares</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> of Garanti BBVA not controlled by BBVA, which represented 50.15% of Garanti BBVA&#8217;s total share capital. BBVA submitted for authorization an application for the VTB to the supervisor of the securities markets in Turkey (Capital Markets Board of Turkey, CMB) on November 18, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 31, 2022, CMB approved the relevant information memorandum and on the same day BBVA announced the start of the VTB acceptance period on April 4, 2022. On May 18, 2022, BBVA announced the finalization of the offer acceptance period, with the acquisition of 36.12% of Garanti BBVA&#8217;s share capital. The total amount paid by BBVA was approximately 22,758 million Turkish lira (equivalent to approximately &#8364;1,390 million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">5</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> including the expenses associated with the transaction and net of the collection of the dividends corresponding to the stake acquired). The transaction has resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29, see Note 2.2.19 to our Consolidated Financial Statements). An amount of &#8364;3,609 million has been recorded under the heading &#8220;Other reserves&#8221; and there was a reclassification to &#8220;Accumulated other comprehensive income (loss)&#8221; corresponding to the 36.12% acquired from &#8220;Minority interests&#8221; to &#8220;Accumulated other comprehensive income (loss)&#8221; of the parent company amounting to a loss of &#8364;2,685 million. The total derecognition associated with the transaction of the heading &#8220;Minority interests&#8221; considering &#8220;Other items&#8221; and &#8220;Accumulated other comprehensive income (loss)&#8221; amounted to a loss of &#8364;2,541 million. The percentage of total share capital of Garanti BBVA owned by BBVA (after the completion of the VTB on May 18) is 85.97%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, there were no significant capital expenditures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2020</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, there were no significant capital expenditures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital Divestitures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our principal divestitures are divestitures in our subsidiaries and affiliates. The main divestitures from 2020 to the date of this Annual Report were the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2022, there were no significant capital divestitures.</span></div><div style="border-bottom:1pt solid black;margin-bottom:5pt;margin-top:10pt;width:150pt"></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">All references to &#8220;shares&#8221; or &#8220;share&#8221; shall be deemed made to lots of 100 shares, which is the trading unit in which Garanti BBVA shares are listed at Borsa Istanbul.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Using the effective exchange rate of 16.14 Turkish lira per euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">24</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sale of BBVA USA Bancshares, Inc. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 1, 2021, we completed the USA Sale. The consideration received in cash by BBVA as a consequence of the USA Sale amounted to approximately $11,500 million (the price provided in the agreement minus the agreed closing price adjustments) equivalent to approximately &#8364;9,600 million (at an exchange rate of $1.20 per euro). See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Sale of BBVA USA Bancshares, Inc.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;USA Sale&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group continues to develop an institutional and wholesale business in the United States through its broker-dealer BBVA Securities Inc. and the New York branch. BBVA also maintains its investment activity in the fintech sector through its participation in Propel Venture Partners US Fund I, L.P. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Propel Venture Partners</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sale of the BBVA Group&#8217;s stake in Paraguay</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 22, 2021 and after obtaining the relevant regulatory authorizations from the competent authorities, BBVA completed the sale of 100% of the share capital in its subsidiary Banco Bilbao Vizcaya Argentaria Paraguay, S.A. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Paraguay</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) to Banco GNB Paraguay S.A., an affiliate of Grupo Financiero Gilinski. The total amount received by BBVA amounted to approximately $250 million (approximately &#8364;210 million) in cash. The transaction resulted in a loss of approximately &#8364;9 million net of taxes and has increased the Group&#8217;s CET1 (fully loaded) ratio by approximately 6 basis points in 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Agreement for the alliance with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On April 27, 2020, BBVA reached an agreement with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. to create a bancassurance joint venture in Spain including a long-term exclusive distribution agreement for the sale of non-life insurance products, excluding the health insurance business, through BBVA&#8217;s branch network in Spain. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 14, 2020, after obtaining the relevant regulatory approvals from the competent authorities, BBVA Seguros, S.A. de Seguros y Reaseguros (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Seguros</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) transferred to Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A., 50% of the share capital plus one share in BBVA Allianz Seguros y Reaseguros, S.A. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Seguros Generales</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). BBVA Seguros received a cash payment of &#8364;274 million. Prior to the closing of the transaction, BBVA transferred its non-life insurance business in Spain, excluding the health insurance business, to BBVA Seguros Generales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. may need to make an additional payment to BBVA of up to &#8364;100 million if certain business goals and milestones are met. This transaction resulted in a profit net of taxes of &#8364;304 million and increased the Group&#8217;s CET1 (fully loaded) ratio by 7 basis points as of December 31, 2020. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Public Information</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The SEC maintains an Internet site (www.sec.gov) that contains reports and other information regarding issuers that file electronically with the SEC, including BBVA. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Documents on Display</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Additional information on the Group is also available on our website at https://shareholdersandinvestors.bbva.com. The information contained on such websites does not form part of this Annual Report.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_61"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B. Business Overview</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group is a customer-centric global financial services group founded in 1857. Internationally diversified and with strengths in the traditional banking businesses of retail banking, asset management and wholesale banking, the Group is committed to offering a compelling digital proposition focused on customer experience.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For this purpose, the Group is focused on increasingly offering products online and through mobile channels, improving the functionality of its digital offerings and refining the customer experience, contributing to the delivery of its strategy in a sustainable and inclusive way. BBVA is committed to sustainability, which is impacting the banking business, as part of its daily activities, encompassing not only relations with customers but also internal processes. In 2022, the number of digital and mobile customers and the volume of digital sales continued to increase. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Operating Segments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the structure of the operating segments used by the BBVA Group for management purposes remained the same as in 2021.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_64"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Set forth below are the Group&#8217;s current five operating segments:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;       Spain;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;       Mexico;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;       Turkey;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;       South America; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;       Rest of Business.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the operating segments referred to above, the Group has a Corporate Center which includes those items that have not been allocated to an operating segment. It includes the Group&#8217;s general management functions, including costs from central units that have a strictly corporate function; management of structural exchange rate positions carried out by the Financial Planning unit; certain proprietary portfolios; certain tax assets and liabilities; certain provisions related to commitments with employees; and goodwill and other intangibles, as well as the financing of such asset portfolios. It also includes the results of the Group&#8217;s stake in the venture capital fund Propel Venture Partners. Additionally, the results obtained by the Group&#8217;s businesses in the United States included within the scope of the USA Sale, through the date of its closing, have been presented in a single line under the heading &#8220;Profit / (loss) from discontinued operations, net and Other&#8221; in the income statement of the Corporate Center. Until October 15, 2021, BBVA&#8217;s 20% stake in Divarian Propiedad, S.A. was also included in this unit. On such date, BBVA completed the sale of this stake to Cerberus Capital Management, L.P. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the first half of 2022, we changed the allocation criteria for certain expenses related to global technology projects between the Corporate Center and the business areas. In addition, a team from the Global Markets unit was transferred from Spain to New York, with the corresponding transfer of the costs associated with this reallocation from the Spain business area to other business areas. The impact of these intra-group adjustments was not material and segment figures as of December 31, 2021 and 2020 and for the years then ended have not been revised to reflect the new allocation criteria.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For certain relevant information concerning the preparation and presentation of the financial information included in this Annual Report, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The breakdown of the Group&#8217;s total assets by each of BBVA&#8217;s operating segments and the Corporate Center as of December 31, 2022, 2021 and 2020 was as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:35.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.165%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">427,193</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">413,477</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">408,030</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">143,405</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">118,106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">110,236</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66,043</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">56,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">59,585</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">62,067</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">56,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55,436</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Rest of Business</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49,952</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40,314</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,172</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Subtotal Assets by Operating Segment</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">748,660</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">684,266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">668,460</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Corporate Center and Adjustments (1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(35,520)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(21,381)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">65,336</span></td></tr><tr><td colspan="3" style="border-bottom:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Assets BBVA Group</span></td><td colspan="3" style="border-bottom:3pt double #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">713,140</span></td><td colspan="3" style="border-bottom:3pt double #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">662,885</span></td><td colspan="3" style="border-bottom:3pt double #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">733,797</span></td></tr></table></div><div style="margin-bottom:10pt;padding-left:17.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes balance sheet intra-group adjustments between the Corporate Center and the operating segments.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">26</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth information relating to the profit (loss) attributable to parent company for each of BBVA&#8217;s operating segments and the Corporate Center for the years ended December 31, 2022, 2021 and 2020. For information on the differences between the Group income statement and the income statement calculated in accordance with management operating segment reporting criteria, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8212;Operating Results&#8212;Results of Operations by Operating Segment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:35.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.536%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (Loss) Attributable to Parent Company</span></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">% of Profit / (Loss) Attributable to Parent Company</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Percentage)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,678</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,581</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">652</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,182</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">48</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">509</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">740</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">563</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">734</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">491</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">446</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Rest of Business</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">240</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">254</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">222</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Subtotal operating segments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,342</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,633</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,644</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">100</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Corporate Center</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(922)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(980)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,339)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,420</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,653</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,305</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain summarized information relating to the income of each operating segment and the Corporate Center for the years ended December 31, 2022, 2021 and 2020. For information on the differences between the Group income statement and the income statement calculated in accordance with management operating segment reporting criteria, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 5. Operating and Financial Review and Prospects&#8212;Operating Results&#8212;Results of Operations by Operating Segment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating Segments</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total (1)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net interest income / (expense)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,784</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,378</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,631</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,137</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">332</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(109)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,153</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,145</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,839</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,185</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,261</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">790</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(329)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,890</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,625</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,690</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,644</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,429</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">277</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,175)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,490</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,678</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,182</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">509</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">734</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">240</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(922)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,420</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net interest income / (expense)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,502</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,836</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,370</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,859</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">281</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(163)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14,686</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,925</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,603</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,422</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,162</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">741</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">212</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21,066</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,122</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,528</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,953</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">961</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">314</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(638)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,240</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,581</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">740</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">491</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(980)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,653</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net interest income / (expense)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,566</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,415</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,783</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,701</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">291</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(164)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14,592</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,567</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,025</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,573</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,225</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">839</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(63)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,166</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">823</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,475</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,522</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">896</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">280</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,183)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,813</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">652</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">563</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">446</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(2,339)</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,305</span></td></tr></table></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">For information on the reconciliation of the income statement of our operating segments and Corporate Center to the consolidated income statement of the Group, see</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> &#8220;Item 5. Operating and Financial Review and Prospects&#8212;Operating Results&#8212;Results of Operations by Operating Segment&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">27</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables set forth information relating to the balance sheet of the operating segments and the Corporate Center and adjustments as of December 31, 2022, December 31, 2021 and December 31, 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.764%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Operating Segments</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center and Adjustments (1)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">427,193</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">143,405</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">66,043</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">62,067</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">49,952</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">748,660</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(35,520)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49,185</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13,228</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,061</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,695</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">80,184</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(428)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">126,413</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40,356</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,203</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,563</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,090</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">187,626</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(10,174)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">204,588</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">84,465</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51,621</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40,755</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40,425</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">421,854</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">207</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">174,031</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71,754</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37,443</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,526</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37,375</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">359,128</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,105)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Residential mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">68,691</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14,573</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,122</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,651</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,032</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92,069</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Consumer finance</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14,026</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,101</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,746</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,965</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">527</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,365</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,706</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,743</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,026</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">213</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,622</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,528</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,825</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,779</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17,385</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans to enterprises</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">68,258</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32,507</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,890</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,033</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">178,448</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans to public sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,060</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,142</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">583</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,475</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">618</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,878</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">414,070</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">133,574</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">59,333</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">56,193</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">45,604</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">708,774</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(46,248)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">84,619</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25,840</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,138</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,813</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,397</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">119,808</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13,617)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost - Customer deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">220,471</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">77,750</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">46,339</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40,042</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,827</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">394,430</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(574)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand and savings deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">198,131</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64,582</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,794</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,561</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">317,194</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Time deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21,461</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,203</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,798</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13,948</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">74,675</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">13,123</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">9,831</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,711</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,874</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">39,887</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">10,728</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Assets under management</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">86,759</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">38,196</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,936</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">17,760</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">520</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">150,170</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mutual funds</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">63,786</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,614</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,731</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,804</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">108,935</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pension funds</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,973</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,205</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,956</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">520</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,653</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other placements</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,582</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,582</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes balance sheet intra-group adjustments between the Corporate Center and the operating segments.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Financial assets at fair value includes: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">28</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.764%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31, 2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Operating Segments</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center and Adjustments (1)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">413,477</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">118,106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">56,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">56,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">40,314</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">684,266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(21,381)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,386</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,985</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,764</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,549</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,970</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">59,655</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,145</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">145,544</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,126</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,289</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,175</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,684</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">198,817</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7,726)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">199,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">65,311</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">41,544</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37,747</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30,299</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">374,564</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,888)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">171,097</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55,809</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,414</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34,608</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,949</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">319,877</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(939)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Residential mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70,891</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,254</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,672</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,376</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,132</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">91,325</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Consumer finance</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,823</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,702</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,935</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,097</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">521</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33,078</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,708</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,841</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">832</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">253</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,041</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,356</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,493</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,814</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,268</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,938</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans to enterprises</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64,017</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,536</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,549</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,580</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">150,320</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans to public sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,457</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,101</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">232</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,371</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">490</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,651</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">399,475</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">110,877</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">50,484</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">51,147</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">37,027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">649,009</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(34,885)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">81,376</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,843</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,272</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,884</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,060</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">110,434</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(9,616)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost - Customer deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">206,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64,003</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,341</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,340</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">351,613</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,852)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand and savings deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">187,800</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">53,172</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,751</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,787</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">293,616</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Time deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18,109</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,318</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,229</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,169</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,479</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">56,303</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,002</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,229</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,977</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,287</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">35,257</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">13,504</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Assets under management</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">70,072</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">26,445</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,895</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,756</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">597</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">115,765</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mutual funds</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44,574</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,250</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,722</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">74,807</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pension funds</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25,498</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,173</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,495</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">597</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,763</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other placements</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,195</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,195</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes balance sheet intra-group adjustments between the Corporate Center and the operating segments.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Financial assets at fair value includes: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">29</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.764%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Operating Segments</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center and Adjustments (1)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">408,030</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">110,236</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">59,585</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">55,436</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">35,172</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">668,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">65,336</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,356</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,161</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,477</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,127</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66,243</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(723)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">135,590</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,360</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,332</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,329</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,470</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">186,080</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4,447)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">198,173</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">59,819</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">46,705</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,549</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27,213</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">370,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,792)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">167,998</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">50,002</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37,295</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33,615</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">312,926</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,779)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Residential mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71,530</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,890</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,349</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,252</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,436</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">91,457</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Consumer finance</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,820</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,626</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,773</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">497</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,740</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,629</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">630</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">974</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">183</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,274</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,087</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,682</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,259</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,008</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,043</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans to enterprises</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">61,748</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,549</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,597</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,392</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">146,408</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans to public sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,468</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,670</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">178</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,319</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">794</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,429</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">394,724</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">103,529</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">53,415</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">50,660</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">32,133</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">634,462</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">49,315</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71,542</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,801</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,336</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,326</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">849</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">99,854</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,695)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost - Customer deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">206,428</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">54,052</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39,353</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,874</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,333</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">346,040</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,379)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand and savings deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">174,789</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">43,483</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,075</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25,776</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,657</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">267,781</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Time deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,019</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,444</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,270</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,042</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,676</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">77,452</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Equity </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">13,306</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,707</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,170</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,776</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,039</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">33,998</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">16,022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Assets under management</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">62,707</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">22,524</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,425</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">13,722</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">569</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">102,947</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mutual funds</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,434</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,660</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,087</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,687</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64,869</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pension funds</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,273</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,337</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,035</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">569</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,215</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other placements</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,863</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,863</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes balance sheet intra-group adjustments between the Corporate Center and the operating segments.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Financial assets at fair value includes: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">30</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This operating segment includes all of BBVA&#8217;s banking and non-banking businesses in Spain, other than those included in the Corporate Center. The primary business units included in this operating segment are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;padding-left:14.35pt">Spanish Retail Network</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: including individual customers, private banking, small companies and businesses in the domestic market;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;padding-left:14.35pt">Corporate and Business Banking</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: which manages small and medium sized enterprises (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SMEs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), companies and corporations, and public institutions;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;padding-left:14.35pt">Corporate and Investment Banking</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: responsible for business with large corporations and multinational groups and the trading floor and distribution business in Spain; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.7pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;padding-left:14.35pt">Other units</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: which includes the insurance business unit in Spain (BBVA Seguros) as well as the Group&#8217;s shareholding in the bancassurance joint venture with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;History and Development of the Company&#8213;Capital Divestitures&#8212;2020</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Asset Management unit (which manages Spanish mutual funds and pension funds), lending to real estate developers and foreclosed real estate assets in Spain, as well as certain proprietary portfolios and certain funding and structural interest-rate positions of the euro balance sheet which are not included in the Corporate Center. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits as of December 31, 2022 amounted to &#8364;49,185 million, an 86.4% increase compared with the &#8364;26,386 million recorded as of December 31, 2021, mainly due to the increase in cash held at the Bank of Spain, with a view, in part, to reinforcing the Group&#8217;s cash position.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at fair value of this operating segment (which includes the following portfolios: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;) amounted to &#8364;126,413 million as of December 31, 2022, a 13.1% decrease from the &#8364;145,544 million recorded as of December 31, 2021, mainly as a result of the decrease in loans to credit institutions (through reverse repurchase agreements) and the sale of equity instruments during the second half of 2022 recorded under the &#8220;Financial assets held for trading&#8221; portfolio, partially offset by the increase in the fair value of trading derivatives due to the positive impact of changes in exchange rates on foreign currency positions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;204,588 million, a 2.5% increase compared with the &#8364;199,663 million recorded as of December 31, 2021. Within this heading, loans and advances to customers amounted to &#8364;174,031 million as of December 31, 2022, an increase of 1.7% from the &#8364;171,097 million recorded as of December 31, 2021, mainly as a result of the increase in loans to enterprises, especially to SMEs, and consumer loans (including credit card loans), partially offset by a slight decrease in the volume of mortgage loans, in part due to increased prices in a high interest rate environment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss of this operating segment as of December 31, 2022 amounted to &#8364;84,619 million, a 4.0% increase compared with the &#8364;81,376 million recorded as of December 31, 2021, mainly due to an increase in deposits from credit institutions (through repurchase agreements) and, to a lesser extent, an increase in the value of exchange rate derivatives, each recorded under the &#8220;Financial liabilities held for trading&#8221; portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customer deposits at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;220,471 million, a 6.7% increase compared with the &#8364;206,663 million recorded as of December 31, 2021, mainly due to the increase in demand deposits within the retail portfolio, as a result of the customers&#8217; preference to hold liquid assets in the prevailing uncertain environment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Off-balance sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and &#8220;Pension funds&#8221;) as of December 31, 2022 amounted to &#8364;86,759 million, a 23.8% increase compared with the &#8364;70,072 million as of December 31, 2021, mainly due to the changes in the calculation of Mutual funds in 2022 (as the direct investment by customers in additional investment funds has been included), partially offset by the customers&#8217; preference to hold liquid assets in the prevailing uncertain environment.  </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">31</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This operating segment&#8217;s non-performing loan ratio (defined as non-performing loans divided by total credit risk and calculated as the sum of impaired loans and advances to customers, impaired guarantees to customers and other impaired commitments divided by the sum of loans and advances to customers, guarantees to customers and other commitments) decreased to 3.9% as of December 31, 2022 from 4.2% as of December 31, 2021, mainly as a result of the sale of certain loan portfolios, which led to a decrease in impaired loans, and higher recoveries. Further, there were limited additions to the Stage 3 asset category in 2022. This operating segment&#8217;s non-performing loan coverage ratio (defined as allowance for credit losses divided by non-performing loans and calculated as loss allowances on loans and advances divided by the sum of impaired loans and advances to customers, impaired guarantees to customers and other impaired commitments) was broadly stable at 61% as of December 31, 2022 and 62% as of December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Mexico</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Mexico operating segment includes the banking, insurance and asset management business conducted in Mexico by BBVA Mexico. It also includes BBVA Mexico&#8217;s agency in Houston.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Mexican peso appreciated 11.0% against the euro as of December 31, 2022 compared with December 31, 2021, positively affecting the business activity of the Mexico operating segment as of December 31, 2022 expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits as of December 31, 2022 amounted to &#8364;13,228 million, a 1.9% increase compared with the &#8364;12,985 million recorded as of December 31, 2021, mainly due to the appreciation of the Mexican peso against the euro, offset in part by decreases in other demand deposits, which have shifted towards higher profitability investments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at fair value of this operating segment (which includes the following portfolios: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;) as of December 31, 2022 amounted to &#8364;40,356 million, a 14.9% increase from the &#8364;35,126 million recorded as of December 31, 2021, mainly due to the appreciation of the Mexican peso against the euro and the increases in the value of exchange rate derivatives, in particular in the trading portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;84,465 million, a 29.3% increase compared with the &#8364;65,311 million recorded as of December 31, 2021. Within this heading, loans and advances to customers of this operating segment as of December 31, 2022 amounted to &#8364;71,754 million, a 28.6% increase compared with the &#8364;55,809 million recorded as of December 31, 2021, mainly attributable to the positive performance of loans to enterprises, given the commercial efforts to gain and retain customers, and the retail portfolio (credit cards loans, consumer loans and SMEs), and, to a lesser extent, mortgage loans, supported by the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss of this operating segment as of December 31, 2022 amounted to &#8364;25,840 million, a 30.2% increase compared with the &#8364;19,843 million recorded as of December 31, 2021, mainly as a result of increases in the value of exchange rate derivatives and repurchase agreements from the Mexican Central Bank (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BANXICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customer deposits at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;77,750 million, a 21.5% increase compared with the &#8364;64,003 million recorded as of December 31, 2021, primarily due to the appreciation of the Mexican peso against the euro and increases in the volume of demand deposits and, to a lesser extent, time deposits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Off-balance sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and &#8220;Other placements&#8221;) as of December 31, 2022 amounted to &#8364;38,196 million, a 44.4% increase compared with the &#8364;26,445 million as of December 31, 2021, mainly as a result of the changes in the calculation of Mutual funds in 2022 (as the direct investment by customers in additional investment funds has been included), the appreciation of the Mexican peso against the euro and the existing trend partially shifting from time deposits towards higher profitability investments, which continues to boost mutual funds, supported by an improved product offer that includes funds linked to Environmental, Social and Governance (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESG</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) factors.</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This operating segment&#8217;s non-performing loan ratio (as defined herein) decreased to 2.5% as of December 31, 2022 from 3.2% as of December 31, 2021, mainly due to an increase in lending activity, in particular, corporate loans and retail loans, lower Stage 3 entries and higher recoveries from the wholesale loan portfolio. As a result thereof, this operating segment&#8217;s non-performing loan coverage ratio (as defined herein) increased to 129% as of December 31, 2022 from 106% as of December 31, 2021, supported by the higher reserves.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">32</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Turkey</span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This operating segment comprises the activities carried out by Garanti BBVA as an integrated financial services group operating in the banking, insurance and asset management business in Turkey, including corporate, commercial, SME, payment systems, retail, private and investment banking, together with its subsidiaries in pension and life insurance, leasing, factoring, brokerage and asset management, as well as its international subsidiaries in Romania and the Netherlands.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 18, 2022, BBVA closed its voluntary takeover bid for the entire share capital of Garanti BBVA, which resulted in BBVA increasing its stake in Garanti BBVA from 49.85% to 85.97%. See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8213;Voluntary Takeover Bid for the Entire Share Capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Turkish lira depreciated 23.7% against the euro as of December 31, 2022 compared to December 31, 2021, adversely affecting the business activity of the Turkey operating segment as of December 31, 2022 expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since the first half of 2022, the Turkish economy is considered to be hyperinflationary as defined by IAS 29. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on the impact of hyperinflation accounting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits as of December 31, 2022 amounted to &#8364;6,061 million, a 21.9% decrease compared with the &#8364;7,764 million recorded as of December 31, 2021, mainly due to the depreciation of the Turkish lira against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at fair value of this operating segment (which includes the following portfolios: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;) as of December 31, 2022 amounted to &#8364;5,203 million, a 1.6% decrease from the &#8364;5,289 million recorded as of December 31, 2021, mainly due to the depreciation of the Turkish lira against the euro, partially offset by increases in the value of exchange rate derivatives in foreign currency positions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;51,621 million, a 24.3% increase compared with the &#8364;41,544 million recorded as of December 31, 2021. Within this heading, loans and advances to customers of this operating segment as of December 31, 2022 amounted to &#8364;37,443 million, a 19.2% increase compared with the &#8364;31,414 million recorded as of December 31, 2021, mainly due to the increase (in local currency) in Turkish lira-denominated loans to enterprises and credit card loans, partially offset by the depreciation of the Turkish lira against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss of this operating segment as of December 31, 2022 amounted to &#8364;2,138 million, a 5.9% decrease compared with the &#8364;2,272 million recorded as of December 31, 2021, mainly due to the depreciation of the Turkish lira against the euro, partially offset by increases in the value of exchange rate derivatives in foreign currency positions.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customer deposits at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;46,339 million, a 20.9% increase compared with the &#8364;38,341 million recorded as of December 31, 2021, mainly due to the increase in time deposits and demand deposits, both denominated in Turkish lira, as a result mainly of the measures announced by the Turkish authorities to protect deposits denominated in Turkish lira from the exchange rate volatility, in order to boost confidence in the local currency, promote the conversion of foreign currency deposits into local currency deposits and prevent further dollarization of deposits (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Supervision and Regulation&#8212;Principal Markets&#8212;Turkey</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Competition&#8212;Turkey</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), partially offset by the depreciation of the Turkish lira against the euro. In local currency, deposits were positively affected by the high inflation environment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Off-balance sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and &#8220;Pension funds&#8221;) as of December 31, 2022 amounted to &#8364;6,936 million, a 78.1% increase compared with the &#8364;3,895 million as of December 31, 2021, mainly due to increases in mutual funds as a result of the shift towards higher profitability investments, partially offset by the depreciation of the Turkish lira against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The non-performing loan ratio (as defined herein) of this operating segment decreased to 5.1% as of December 31, 2022 from 7.1% as of December 31, 2021, mainly as a result of (i) higher recoveries and the change in the staging of a large customer from Stage 3 to Stage 2 in the wholesale loan portfolio; (ii) the sale of certain retail loan portfolios during the first half of 2022 (which led to a slight decrease in impaired loans); and (iii) increased activity (in particular, consumer and credit card loans in Turkish lira). As a result thereof, this operating segment&#8217;s non-performing loan coverage ratio (as defined herein) increased to 90% as of December 31, 2022 from 75% as of December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">33</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">South America</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The South America operating segment includes the Group&#8217;s banking, finance, insurance and asset management business mainly in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela. It also includes representative offices in Sao Paulo (Brazil) and in Santiago (Chile).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The main business units included in the South America operating segment are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:34.85pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;padding-left:14.35pt">Retail and Corporate Banking</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: includes banks in Argentina, Colombia, Peru, Uruguay and Venezuela.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:34.85pt;text-align:justify;text-indent:-17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;padding-left:14.35pt">Insurance</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">:</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> includes insurance businesses in Argentina, Colombia and Venezuela.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The sale of BBVA Paraguay closed in January 2021. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;History and Development of the Company&#8212;Capital Divestitures&#8212;2021</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the Peruvian sol appreciated against the euro by 11.0% compared to December 31, 2021. On the other hand, the Colombian peso and the Argentine peso depreciated against the euro by 12.1% and 38.3%, respectively. Overall, changes in exchanges rates have adversely affected the business activity of the South America operating segment as of December 31, 2022 expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of and for the years ended December 31, 2022, 2021 and 2020, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29 (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;Hyperinflationary economies - IAS 29</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 2.2.19 to our Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits as of December 31, 2022 amounted to &#8364;7,695 million, a 10.0% decrease compared with the &#8364;8,549 million recorded as of December 31, 2021, mainly due to a decrease in cash and cash equivalents held at most of the central banks within this operating segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at fair value for this operating segment (which includes the following portfolios: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;) as of December 31, 2022 amounted to &#8364;10,563 million, a 47.2% increase compared with the &#8364;7,175 million recorded as of December 31, 2021, mainly due to the increase in sovereign debt securities recorded under &#8220;Financial assets at fair value through other comprehensive income&#8221;, partially offset by the depreciation of the Colombian peso and the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;40,755 million, an 8.0% increase compared with the &#8364;37,747 million recorded as of December 31, 2021. Within this heading, loans and advances to customers of this operating segment as of December 31, 2022 amounted to &#8364;38,526 million, an 11.3% increase compared with the &#8364;34,608 million recorded as of December 31, 2021, mainly as a result of the increase in the retail portfolio and in loans to enterprises, with increases in credit card loans and consumer loans in Argentina and Colombia (in each case, in local currency), partially offset by the depreciation of the Colombian peso and the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss of this operating segment as of December 31, 2022 amounted to &#8364;2,813 million, a 49.4% increase compared with the &#8364;1,884 million recorded as of December 31, 2021, mainly due to the positive impact of changes in the valuation of exchange rate derivatives on foreign currency positions, in particular, in Argentina, partially offset by the depreciation of the Colombian peso and the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customer deposits at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;40,042 million, a 10.2% increase compared with the &#8364;36,340 million recorded as of December 31, 2021, mainly as a result of the increase in time deposits in Argentina, and, to a lesser extent, in Colombia, in each case in the retail portfolio, partially offset by the depreciation of the Colombian peso and the Argentine peso. In local currency, deposits were positively affected by the high inflation environment.</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Off-balance sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and &#8220;Pension funds&#8221;) as of December 31, 2022 amounted to &#8364;17,760 million, a</span><span style="color:#ffffff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">20.4% increase compared with the &#8364;14,756 million as of December 31, 2021, mainly due to the changes in the calculation of Mutual funds in 2022 (as the direct investment by customers in additional investment funds in Colombia and Peru has been included) and the increases in pension funds in Bolivia, partially offset by the depreciation of the Colombian peso and the Argentine peso.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">34</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The non-performing loan ratio (as defined herein) of this operating segment as of December 31, 2022 decreased to 4.1% from 4.5% as of December 31, 2021, mainly as a result of the increased activity in the commercial and retail portfolios in Argentina and Colombia and a better overall recovery ratio, partially offset by the Stage 3 new entries resulting from the update in the definition of credit impaired asset implemented in Chile in 2022 and lower recoveries than the prior year in Chile. This operating segment&#8217;s non-performing loan coverage ratio (as defined herein) increased to 101% as of December 31, 2022 from 99% as of December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Rest of Business </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This operating segment mainly includes the wholesale activity carried out by the Group in Europe (excluding Spain), the United States and (through BBVA branches located therein) Asia.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The U.S. dollar appreciated 6.2% against the euro as of December 31, 2022 compared to December 31, 2021, positively affecting the business activity of the Rest of Business operating segment as of December 31, 2022 expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits as of December 31, 2022 amounted to &#8364;4,015 million, a 1.1% increase compared with the &#8364;3,970 million recorded as of December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at fair value for this operating segment (which includes the following portfolios: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221;) as of December 31, 2022 amounted to &#8364;5,090 million, a 10.4% decrease compared with the &#8364;5,684 million recorded as of December 31, 2021, mainly due to the decreased activity of BBVA Securities Inc., our broker-dealer in the United States, which led to a decrease in loans and advances recorded under &#8220;Financial assets held for trading&#8221;, partially offset by the appreciation of the U.S. dollar against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;40,425 million, a 33.4% increase compared with the &#8364;30,299 million recorded as of December 31, 2021. Within this heading, loans and advances to customers of this operating segment as of December 31, 2022 amounted to &#8364;37,375 million, a 38.7% increase compared with the &#8364;26,949 million recorded as of December 31, 2021, mainly due to increased activity in the branches located in New York and Europe and, to a lesser extent, the appreciation of the U.S. dollar against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial liabilities held for trading and designated at fair value through profit or loss of this operating segment as of December 31, 2022 amounted to &#8364;4,397 million, a 13.1% decrease compared with the &#8364;5,060 million recorded as of December 31, 2021, mainly due to a decrease in the activity of the broker-dealer BBVA Securities Inc., partially offset by the appreciation of the U.S. dollar against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customer deposits at amortized cost of this operating segment as of December 31, 2022 amounted to &#8364;9,827 million, a 56.8% increase compared with the &#8364;6,266 million recorded as of December 31, 2021, mainly as a result of the increase in time deposits from wholesale customers at the New York branch and in Europe.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Off-balance sheet pension funds in this operating segment as of December 31, 2022 amounted to &#8364;520 million, a 12.9% decrease compared with the &#8364;597 million recorded as of December 31, 2021, mainly as a result of decreases in pension funds in Europe.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The non-performing loan ratio (as defined herein) of this operating segment as of December 31, 2022 decreased to 0.4% from 0.7% as of December 31, 2021, mainly driven by increased loan activity. This operating segment&#8217;s non-performing loan coverage ratio (as defined herein) increased to 131% as of December 31, 2022 from 116% as of December 31, 2021.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_67"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Insurance Activity</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group has insurance subsidiaries mainly in Spain and Latin America (mostly in Mexico). The main products offered by the insurance subsidiaries are life insurance to cover the risk of death and life-savings insurance. Within life and accident insurance, a distinction is made between freely sold products and those offered to customers who have taken mortgage or consumer loans, which cover the principal of those loans in the event of the customer&#8217;s death.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On April 27, 2020, BBVA reached an agreement with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. to create a bancassurance joint venture in order to develop the non-life insurance business in Spain, excluding the health insurance business. On December 14, 2020, once the required authorizations had been obtained, BBVA completed the transaction and announced the transfer to Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. of half plus one share of the company BBVA Allianz Seguros y Reaseguros, S.A.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">35</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group offers, in general, two types of savings products: individual insurance, which seeks to provide the customer with savings for retirement or other events, and collective insurance, which is taken out by employers to cover their commitments to their employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 23 to our Consolidated Financial Statements for additional information on our insurance activity.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_70"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Monetary Policy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The integration of Spain into the European Monetary Union (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EMU</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) on January 1, 1999 implied the yielding of monetary policy sovereignty to the Eurosystem. The &#8220;Eurosystem&#8221; is composed of the ECB and the national central banks of the 19 member countries that form the EMU.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Eurosystem determines and executes the policy for the single monetary union of the 19 member countries of the EMU. The Eurosystem collaborates with the central banks of member countries to take advantage of the experience of the central banks in each of its national markets. The basic tasks carried out by the Eurosystem include:</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">defining and implementing the single monetary policy of the EMU;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">conducting foreign exchange operations in accordance with the set exchange policy;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">lending to national monetary financial institutions in collateralized operations;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">holding and managing the official foreign reserves of the member states; and</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">promoting the smooth operation of the payment systems.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Treaty on the EU (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EU Treaty</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) establishes a series of rules designed to safeguard the independence of the system, in its institutional as well as its administrative functions.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_73"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Supervision and Regulation</span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This section discusses the most significant supervision and regulatory matters applicable to us as a bank organized under the laws of Spain, our principal market, and as a result of activities we undertake in the European Union. Further below, this section also includes information regarding supervision and regulatory matters applicable to our operations in Mexico, Turkey and the United States.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank&#8217;s &#8220;home&#8221; supervisor is the European Central Bank (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ECB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) at the European level and the Bank of Spain at the national level, both authorities being part of the Single Supervisory Mechanism (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SSM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The BBVA Group is also subject to supervision by a wide variety of other local authorities given the Bank&#8217;s global presence, which are considered to be &#8220;host&#8221; supervisors given the Bank&#8217;s foreign origin. These include authorities in countries such as the United States (the Federal Reserve Bank of New York (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FRBNY</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) has the primary supervisory responsibility for the Bank&#8217;s New York branch, with input from other Federal and State authorities that have supervisory responsibilities for various BBVA entities operating in the United States), Mexico, Turkey and the whole of BBVA&#8217;s footprint in South America.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following the 2008 global financial crisis, European politicians took action to stabilize the region&#8217;s banking sector, due to a period of turbulence and doubts regarding its sustainability. This action culminated in the launch of the European Banking Union (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EBU</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The EBU can be viewed as a house with different building blocks. The EBU&#8217;s foundation includes the single rulebook (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Single Rulebook</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which was the first step to harmonize banking rules in the European Union and includes landmark pieces of legislation such as the Capital Requirements Regulation, the Capital Requirements Directive and the Bank Recovery and Resolution Directive, among others. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first pillar of the EBU relates to supervision and includes the SSM, which unified banking supervision in the European Union. This responsibility was placed under the ECB, which follows a strict policy of separation and confidentiality in order to ensure the independence of banking supervision and monetary policy. The SSM works in very close coordination with the national competent authorities (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NCAs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). As a result, the joint supervisory teams (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">JSTs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) that are responsible for the daily supervision of the most significant banks (one JST per bank) are composed of employees from the ECB and, in the case of BBVA, from the Bank of Spain. This arrangement enables supervision to be distant enough in order to avoid any potential conflicts of interest, while also benefiting from local expertise on a particular country&#8217;s intricacies. In addition, each JST member rotates every three years. Furthermore, the SSM has pushed for more internationally diverse JSTs and teams conducting on-site inspections, including assigning Heads of Mission of a different nationality than the bank&#8217;s country of origin and by having some members of the inspection team from a different EU country.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The second pillar of the EBU relates to resolution mechanisms and includes the Single Resolution Mechanism (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), for which the SRB was created. The SRB, located in Brussels, works closely with the National Resolution Authorities (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NRAs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and, in the case of Spain, the Bank of Spain and the Fund for Orderly Banking Restructuring (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FROB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), to ensure the orderly resolution of failing banks with minimum impact on the real economy, the financial system and the public finances of the participating EU member states and other countries.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">36</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The role of the SRB is proactive. Instead of waiting for resolution cases, the SRB focuses on resolution planning and preparation with a forward-looking mindset to avoid the negative impacts of a bank failure on the economy and financial stability of the participating EU member states and other countries. Accordingly, one of the key tasks of the SRB and NRAs is to draft resolution plans for the banks under its remit. These plans are prepared jointly by the SRB and NRAs through internal resolution teams (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IRTs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The IRTs are composed of staff from the SRB and the NRAs and are headed by coordinators appointed from the SRB&#8217;s senior staff.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Banking resolution, previously not prioritized by regulatory authorities, became crucial following the 2008 financial crisis and the need to inject substantial taxpayer funds into financial institutions. The idea that underlies banking resolution is that a &#8220;bail-in&#8221; is preferable to a &#8220;bail-out&#8221;. A &#8220;bail-out&#8221; occurs when outside investors, such as a government, rescue a bank by injecting money to help make debt payments. In the past, such as during the 2008 financial crisis, &#8220;bail-outs&#8221; helped save banks from failing, with taxpayers assuming the risks associated with their inability to make debt payments. On the other hand, a &#8220;bail-in&#8221; occurs when a bank&#8217;s creditors (in addition to its shareholders) are forced to bear some of the burden by having some or all of their debt written off. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In order to permit the execution of a bail-in, banks are required to hold on their balance sheet a minimum volume of liabilities that could be bailed-in without operational or legal issues in the event of resolution. This is the rationale behind the minimum requirement for own funds and eligible liabilities (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MREL</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Within the framework of the SRM, the Single Resolution Fund (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRF</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) was also developed. This is a fund composed of contributions from credit institutions and certain investment firms in the 19 participating countries within the EBU. The SRF may be used only under specific circumstances in banking resolution, such as to guarantee the assets or liabilities of an institution under resolution or make contributions to a bridge institution or asset management vehicle. The SRF can be used only to ensure the effective application of resolution tools but not to absorb the losses of an institution or for a recapitalization.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first and second pillars of the EBU are highly interlinked. Prior to entering into a resolution process, a bank must be considered by the SSM as failing or likely to fail, which occurs when there is no other option to restore its viability (such as applying the bank&#8217;s recovery plan) within the available time frame.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The third and final pillar of the EBU, which is still under discussion, is the European Deposit Insurance Scheme (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EDIS</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The EDIS would enable the insurance of deposits regardless of the country of origin of the bank, thus creating a fully harmonized banking union. However, there remain political obstacles to the creation of the EDIS which have not yet been resolved. In 2019, a High Level Working Group on EDIS was created and charged with presenting a roadmap to start political negotiations. At the national level, BBVA is currently subject to the Deposit Guarantee Fund of Credit Institutions, which operates under the guidance of the Bank of Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the aftermath of the 2008 global financial crisis, important reforms were adopted at the international level, namely the Basel III capital reforms (as defined below), which have been translated into relevant legislation at the European and national level. In May 2019, the European Council adopted a banking package which included new versions of some of the regulations and directives that are part of the Single Rulebook. More concretely, this package included the CRR II, the CRD V Directive, the SRM Regulation II and the BRRD II (each as defined below). This package incorporated some of the most recent internationally-agreed reforms mentioned above, including measures such as a new leverage ratio requirement for all institutions, a revised &#8220;Pillar 2&#8221; (as described below) framework, additional supervisory powers in the area of money laundering and enhanced MREL subordination rules for global systemically important institutions (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">G-SIIs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and other top-tier banks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, banks in the EBU face increasingly intense supervisory scrutiny. However, the reforms discussed above have resulted in structurally important advances as asset quality, capital and liquidity levels in the European banking sector have greatly improved since they were adopted. Another important component of this progress has been the Supervisory Review and Examination Process (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SREP</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The SREP is an annual exercise that determines a bank&#8217;s capital requirements, on a &#8220;Pillar 2&#8221; basis, as well as the qualitative requirements that the bank must address in the following year. This exercise takes four different elements of a bank into account: (a) business model and profitability, (b) capital, (c) liquidity and (d) governance and risk management.</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, any work done during the year related to on-site inspections, deep dives, thematic reviews, internal model investigations and other ad hoc requests (e.g., targeted review) feeds into the SREP. The SREP culminates with a supervisory dialogue at the end of the year, where a preliminary review of the bank is presented. In addition, prior to the beginning of each year, the SSM presents a Supervisory Examination Program (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SEP</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) which details the inspections, high-level meetings and potential visits to group subsidiaries that are forecasted to occur throughout the year. The process for creating a SEP for each entity begins with defining the SSM&#8217;s risk dashboard and the classification of risks according to their probability of occurring and probable magnitude of impact, which then translates into the SSM&#8217;s priorities for the following year.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">37</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Another important tool that the SSM possesses to supervise large European banking groups is the Supervisory Colleges. For those banks for which the SSM acts as the consolidated &#8220;home&#8221; supervisor, the SSM together with the relevant NCA organizes an event where all of the banking group&#8217;s &#8220;host&#8221; supervisors are gathered at a roundtable and where they discuss the current state of affairs of the bank in the different relevant jurisdictions. The SRB follows a similar approach, organizing Resolution Colleges with the banking group&#8217;s &#8220;host&#8221; resolution authorities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The SSM also performs comprehensive assessments, together with the NCAs, over the banks it directly supervises. These are performed either regularly (at periodic intervals) or on an ad hoc basis (e.g., when an EU member state requests to be part of the EBU). These comprehensive assessments include two parts: (a) asset quality reviews of the banks&#8217; exposures and (b) stress testing of the banks&#8217; balance sheets under different scenarios. Furthermore, the EBA also organizes and performs an EU-wide stress test in coordination with the ECB. This test, which occurs every two years, does not confer a pass or fail result but instead contributes to determining &#8220;Pillar 2&#8221; guidance. While &#8220;Pillar 2&#8221; guidance is a non-binding capital requirement, the EBA nonetheless expects compliance with it. In those years in which there is no EBA stress test, the SSM organizes a more specific stress test concerning a particular topic, such as the impact of interest rate risk on the banking book or liquidity.</span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2022, the ECB carried out the first stress test on climate-related risks (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CST</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The output of the stress test exercise was integrated into the SREP using a qualitative approach. No direct capital impact via the Pillar 2 Guidance (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">P2G</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) has been envisaged. ECB has considered this stress test to be a learning exercise for banks and supervisors alike. The aims were to identify vulnerabilities, industry best practices and the challenges faced by banks. The exercise also helped enhance data availability and quality, and has allowed supervisors to better understand the stress-testing frameworks banks use to gauge climate risk. Additionally the ECB conducted an assessment (thematic review) of the level of implementation of the ECB Guidelines on Climate Change Risk which aim to drive supervised institutions into considering climate-related and environmental risks within their business strategies, governance and risk management frameworks and push entities into becoming more transparent in their climate-related and environmental disclosures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2023, there will be an EU-wide stress test which will reflect the ongoing progress that EU banks are making in strengthening their capital positions and will assess EU banks' resilience to an adverse economic shock. The sample for the 2023 EU-wide stress test has been enlarged compared to previous exercises. The banks participating in the 2023 exercise include the Group. The EU-wide stress test will be conducted on a sample of 70 EU banks, including 57 from countries which are members of the SSM, covering roughly 75% of total banking sector assets in the EU and Norway. Compared to the previous EU-wide stress tests, the 2023 exercise covers an additional 20 banks. The results are expected to be published by the end of July 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The macro-prudential aspect of supervision is also increasingly gaining relevance, including through specific thematic reviews undertaken by the SSM on certain portfolios (e.g., real estate or shipping) and the creation of new authorities and review boards. At the European level, these include the European Systemic Risk Board (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESRB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which is responsible for monitoring macro-risks at the European level. The ESRB also develops the adverse scenarios to be used in the EU-wide stress test. In addition, in 2019 the Spanish Government created the Macro-prudential Authority Financial Stability Council, which is chaired by the Minister of Economy and Business and vice-chaired by the Governor of the Bank of Spain, and includes the Deputy Governor of the Bank of Spain, who is responsible for banking supervision, among its members.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The foregoing illustrates how much the regulatory and supervisory landscape has changed in the decade following the 2008 financial crisis, due in large part to the Basel Committee on Banking Supervision (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basel Committee</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), an international, standard-setting forum, which established important reforms at a global level. Some of these reforms have been adopted in regulations at the European level.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a discussion of certain of these and other regulations that are applicable to BBVA and certain related requirements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_76"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Liquidity Requirements &#8211; Minimum Reserve Ratio</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The legal framework for the minimum reserve ratio is set out in Regulation (EC) No. 2818/98 of the ECB of December 1, 1998 on the application of minimum reserves (ECB/1998/15). The reserve coefficient for overnight deposits, deposits with agreed maturity or period of notice up to two years, debt certificates with maturity up to two years and money market paper is 1%. There is no required reserve coefficient for deposits with agreed maturity or period of notice over two years, repurchase agreements and debt certificates with maturity over two years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to the Delegated Regulation (EU) 2015/61 issued by the European Commission (EC) of October 10, 2014, the liquidity coverage ratio came into force in Europe on October 1, 2015, with an initial 60% minimum requirement, which was progressively increased (phased-in) up to 100% in 2018.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">38</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_79"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Capital Requirements, MREL and Resolution</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2010, the Basel Committee proposed a number of fundamental reforms to the regulatory capital framework for internationally active banks (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basel III capital reforms</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The Basel III capital reforms raised the quantity and quality of capital required to be held by a financial institution with an emphasis on CET1 capital.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a Spanish credit institution, the Bank is subject to Directive 2013/36/EU of the European Parliament and of the Council of June 26, 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC, and repealing Directives 2006/48/EC and 2006/49/EC (as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRD IV Directive</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), through which the EU began implementing the Basel III capital reforms. The core regulation regarding the solvency of credit institutions is Regulation (EU) No. 575/2013 of the European Parliament and of the Council of June 26, 2013 on prudential requirements for credit institutions and investment firms, and amending Regulation (EU) No. 648/2012 (as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR I</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and, together with the CRD IV Directive and any measures implementing the CRD IV Directive or CRR I which may from time to time be applicable in Spain, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRD IV</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which is complemented by several binding regulatory technical standards, all of which are directly applicable in all EU Member States, without the need for national implementation measures. The implementation of the CRD IV Directive into Spanish law took place through Royal Decree-Law 14/2013, of November 29, Law 10/2014, of June 26, on the organization, supervision and solvency of credit institutions (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Law 10/2014</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), Royal Decree 84/2015, of February 13 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Royal Decree 84/2015</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), Bank of Spain Circular 2/2014 of January 31, and Bank of Spain Circular 2/2016, of February 2 (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank of Spain Circular 2/2016</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 7, 2019, the following amendments to CRD IV and Directive 2014/59/EU of the European Parliament and of the Council of May 15, 2014 establishing a framework for the recovery and resolution of credit institutions and investment firms (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD I</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and Regulation (EU) No. 806/2014 of the European Parliament and of the Council of July 15, 2014 establishing uniform rules and a uniform procedure for the resolution of credit institutions and certain investment firms in the framework of a Single Resolution Mechanism and a Single Resolution Fund (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM Regulation I</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) were published:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Directive 2019/878/EU of the European Parliament and of the Council of May 20, 2019 (as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRD V Directive</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) amending the CRD IV Directive (the CRD IV Directive as so amended by the CRD V Directive and as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRD Directive</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;); </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Directive 2019/879/EU of the European Parliament and of the Council of May 20, 2019 (as amended, replaced or supplemented from time to time, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD II</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) amending, among other things, BRRD I as regards the loss-absorbing and recapitalization capacity of credit institutions and investment firms (BRRD I as so amended by BRRD II and as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;);</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Regulation (EU) No. 876/2019 of the European Parliament and of the Council of May 20, 2019 (as amended, replaced or supplemented from time to time, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR II</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and, together with the CRD V Directive, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRD V</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) amending CRR I as regards the leverage ratio, the net stable funding ratio, requirements on own funds and eligible liabilities, counterparty credit risk, market risk, exposures to central counterparties, exposures to collective investment undertakings, large exposures, reporting and disclosure requirements, and Regulation (EU) 648/2012 (CRR I as so amended by CRR II and as amended, superseded or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;); and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Regulation (EU) No. 877/2019 of the European Parliament and of the Council of May 20, 2019 (as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM Regulation II</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) amending the SRM Regulation I as regards the loss-absorbing and recapitalization capacity of credit institutions and investment firms (SRM Regulation I as so amended by SRM Regulation II and as amended, replaced or supplemented from time to time, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) (CRD V, together with BRRD II and the SRM Regulation II, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EU Banking Reforms</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">CRD IV, among other things, established a &#8220;Pillar 1&#8221; minimum capital requirement and increased the level of capital required through the &#8220;combined capital buffer requirement&#8221; that institutions must comply with from 2016 onwards. The &#8220;combined capital buffer requirement&#8221; introduced five new capital buffers: (i) the capital conservation buffer, (ii) the G-SIB buffer, (iii) the institution-specific counter-cyclical capital buffer, (iv) the D-SIB buffer and (v) the systemic risk buffer (a buffer to prevent systemic or macroprudential risks). The &#8220;combined capital buffer requirement&#8221; applies in addition to the minimum &#8220;Pillar 1&#8221; capital requirements and must be satisfied with additional CET1 capital to that provided to meet the &#8220;Pillar 1&#8221; minimum capital requirement.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">39</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The G-SIB buffer is applicable to the institutions included in the list of G-SIBs, which is updated annually by the FSB. The Bank was excluded from this list with effect as from January 1, 2017, so, unless otherwise indicated by the FSB (or the Bank of Spain) in the future, the Bank will no longer be required to maintain the G-SIB buffer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, the Bank of Spain considers the Bank to be a D-SIB at a consolidated level. The Bank is required to maintain a fully-loaded D-SIB buffer of a CET1 ratio of 0.75% on a consolidated basis in 2023. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2015, the Bank of Spain agreed to set the counter cyclical capital buffer applicable to credit exposures in Spain at 0% from January 1, 2016. This percentage is reviewed quarterly. The Bank of Spain agreed on December 14, 2022 to maintain the counter cyclical capital buffer applicable to credit exposures in Spain at 0% for the first quarter of 2023. As of the date of this Annual Report, the counter cyclical capital buffer applicable to the Group stands at 0.01%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, Article 104 of the CRD Directive, as implemented by Article 68 of Law 10/2014, and similarly Article 16 of Council Regulation (EU) No. 1024/2013 of October 15, conferring specific tasks on the ECB concerning policies relating to the prudential supervision of credit institutions (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SSM Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), also contemplates the possibility that the supervisory authorities may require credit institutions to meet capital requirements exceeding the &#8220;Pillar 1&#8221; minimum capital requirements and the &#8220;combined capital buffer requirement&#8221; by establishing &#8220;Pillar 2&#8221; capital requirements (which, with respect to other requirements, are above the &#8220;Pillar 1&#8221; requirements and below the &#8220;combined capital buffer requirement&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the ECB is required, under Regulation (EU) No. 468/2014 of the ECB of April 16, 2014 establishing the framework for cooperation within the Single Supervisory Mechanism (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SSM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) between the ECB and national competent authorities and with national designated authorities (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SSM Framework Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), to carry out a SREP for the Bank and the Group at least on an annual basis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 19, 2018, the EBA published its final guidelines intended to further enhance risk management by institutions and the convergence of supervision with respect to the SREP. These guidelines focus on stress testing, particularly to determine &#8220;Pillar 2&#8221; capital guidance and the level of interest rate risk. As of July 23, 2020, the EBA published further guidelines on the 2020 SREP in light of the crisis generated by COVID-19. Additionally, the EBA published further draft amended guidelines regarding the implementation of changes introduced by the CRD V Directive on March 18, 2022, repealing the EBA Guidelines of December 19, 2014 and the updated guidelines of July 19, 2018, with effect from January 1, 2023. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In response to the COVID-19 pandemic, the ECB announced on March 12, 2020 that it would allow banks to partially use AT1 and Tier 2 instruments to meet the &#8220;Pillar 2&#8221; requirement, being this measure introduced by CRD V. In particular, the composition of the capital instruments to meet the &#8220;Pillar 2&#8221; requirement, shall include 56.25% of CET1 capital and 75% of Tier 1 capital, at a minimum. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Consequently, all additional &#8220;Pillar 2&#8221; own funds requirements that the ECB may impose on the Bank and/or the Group under the SREP will require the Bank and/or the Group to maintain capital levels higher than the &#8220;Pillar 1&#8221; minimum capital requirement.</span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the most recent SREP carried out by the ECB, announced on December 15, 2022, BBVA must maintain, at a consolidated level, as from January 1, 2023, a CET1 ratio of 8.75% and a total capital ratio of 13.00%. The consolidated overall capital requirement includes: (i) the &#8220;Pillar 1&#8221; minimum capital requirement of 4.50%; (ii) the minimum capital requirement of &#8220;Pillar 2&#8221; of 1.71% (of which at least 0.96% must be met with CET1), of which 0.21% (0.12% must be met with CET1) is determined on the basis of the ECB&#8217;s prudential provisioning expectation, which as of January 1, 2023 will no longer be treated as a deduction from CET1; (iii) the capital conservation buffer (2.5% of CET1); (iv) the capital buffer for Other Systemically Important Institutions (O-SIIs) (0.75% of CET1); and (v) the capital buffer for Countercyclical Risk (0.04% of CET1). Likewise, BBVA must maintain, on an individual level, a CET1 ratio of 7.89% and a total capital ratio of 12.05%. These ratios include a Pillar 2 requirement at the individual level of 1.5%, of which at least 0.84% shall be met with CET1.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For further information on the countercyclical capital buffer and the total capital requirements applicable to the BBVA Group, see Note 32 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with Article 48 of Law 10/2014, Article 73 of Royal Decree 84/2015 and Rule 24 of Bank of Spain Circular 2/2016, any institution not meeting its &#8220;combined capital buffer requirement&#8221; is required to calculate its MDA as stipulated in such legislation. Should that requirement not be met and until the MDA has been calculated and communicated to the Bank of Spain, the relevant institution shall not make any: (i) distributions relating to CET1 capital; (ii) payments related to variable remuneration or discretionary pension benefits; and (iii) distributions linked to AT1 instruments (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">discretionary payments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and once the MDA has been calculated and communicated to the Bank of Spain, the discretionary payments will be subject to the limit of the calculated MDA.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">40</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, pursuant to Article 48 of Law 10/2014, the adoption by the Bank of Spain of the measures provided by Articles 68.2.h) and 68.2.i) of Law 10/2014, aimed at strengthening own funds and limiting or prohibiting the distribution of dividends, respectively, will also entail the requirement to determine the MDA and to restrict discretionary payments to such MDA. In accordance with the EU Banking Reforms, the calculation of the MDA and the restrictions described in the preceding paragraph while such calculation is pending, shall also be triggered by a breach of the combined buffer requirement when considered in addition to its MREL requirement (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 3. Key Information&#8212;Risk Factors&#8212;Regulatory, Tax, Compliance and Reporting Risks&#8212;Increasingly onerous capital and liquidity requirements may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) or a breach of the minimum leverage ratio requirement. CRD V also distinguishes between &#8220;Pillar 2&#8221; capital requirements and &#8220;Pillar 2&#8221; capital guidance, only the former being regarded as mandatory requirements. Notwithstanding the foregoing, CRD V provides that, besides other measures, supervisory authorities are entitled to impose further &#8220;Pillar 2&#8221; capital requirements when an institution repeatedly fails to follow the &#8220;Pillar 2&#8221; capital guidance previously imposed. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, CRR II sets a binding leverage ratio requirement of 3% of Tier 1 capital that is added to the own funds requirements and to the requirements based on an entity&#8217;s RWAs. In particular, any breach of this leverage ratio would entail the need to determine the MDA and the related consequences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, on December 7, 2017 the BCBS announced the end of the Basel III reforms (informally referred to as Basel IV). These reforms include changes to the risk weightings applied to the different assets and measures to enhance the sensitivity to risk in those weightings and impose limits on the use of internal ratings-based approaches to ensure a minimum level of conservatism in the use of such approaches and enhance comparability among banks in which such internal ratings-based approaches are used. This reform will also (i) modify the calculation of the Operational Risk, which could have a negative impact on the capital of the Group; and (ii) limit the use of internal risk models, with a minimum capital requirement of RWAs calculated using only the standardized approaches. The application of this reform in Europe is still underway and there is no certainty on its final rules and the date of implementation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the ECB has announced that a targeted review of internal models (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TRIM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) is being conducted on the internal models used by banks subject to its supervision to calculate their RWAs, in order to reduce inconsistencies and unjustified variability in these internal models throughout the European Union. Any final results of the TRIM could imply a change in the internal models used by banks and, at the same time, increases or decreases in the capital needs of banks, including the Bank.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Resolution</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BRRD (which has been implemented in Spain through Law 11/2015 and RD 1012/2015) and the SRM Regulation are designed to provide the authorities with mechanisms and instruments to intervene sufficiently early and rapidly in failing or likely to fail credit institutions or investment firms (each, an Entity) in order to ensure the continuity of the Entity&#8217;s critical financial and economic functions, while minimizing the impact of its non-feasibility on the economic and financial system. The BRRD further provides that a Member State may only use additional financial stabilization instruments to provide extraordinary public financial support as a last resort, once the following resolution instruments have been evaluated and used to the fullest extent possible while maintaining financial stability.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the provisions of Article 20 of Law 11/2015, an Entity will be considered as failing or likely to fail in any of the following situations: (i) when the Entity significantly fails, or may reasonably be expected to significantly fail in the near future, to comply with the solvency requirements or other requirements necessary to maintain its authorization; (ii) when the Entity&#8217;s enforceable liabilities exceeds its assets, or it is reasonably foreseeable that they will exceed them in the near future; (iii) when the Entity is unable, or it is reasonably foreseeable that it will not be able, to meet its enforceable obligations in a timely manner; or (iv) when the Entity needs extraordinary public financial support (except in limited circumstances). The decision as to whether the Entity is failing or likely to fail may depend on a number of factors which may be outside of that Entity&#8217;s control.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In line with the provisions of the BRRD, Law 11/2015 contains four resolution tools which may be used individually or in any combination, when the Relevant Spanish Resolution Authority considers that (a) an Entity is non-viable or is failing or likely to fail, (b) there is no reasonable prospect of any other measures that would prevent the failure of such Entity within a reasonable period of time and (c) resolution is necessary or advisable, rather than the winding up of the Entity through ordinary insolvency proceedings, for reasons of public interest.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">41</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The four resolution instruments are (i) the sale of the Entity&#8217;s business, which enables the resolution authorities to transfer, under market conditions, all or part of the business of the Entity being resolved; (ii) bridge institution, which enables resolution authorities to transfer all or part of the business of the Entity to a &#8220;bridge institution&#8221; (an entity created for this purpose that is wholly or partially in public control); (iii) asset separation, which enables resolution authorities to transfer certain categories of assets (normally impaired or otherwise problematic) to one or more asset management vehicles to allow them to be managed with a view to maximizing their value through eventual sale or orderly wind-down (this can be used together with another resolution tool only); and (iv) the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bail-in Tool</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Any exercise of the Bail-in Tool by the Relevant Spanish Resolution Authority may include the write down and/or conversion into equity or other securities or obligations (which equity, securities and obligations could also be subject to any future application of the Bail-in Tool) of certain unsecured debt claims of an institution.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event that an Entity is in a resolution situation, the Bail-in Tool is understood to mean any write-down, conversion, transfer, modification, or suspension power existing from time to time under: (i) any law, regulation, rule or requirement applicable from time to time in Spain, relating to the transposition or development of the BRRD (as amended, replaced or supplemented from time to time), including, but not limited to (a) Law 11/2015, (b) RD 1012/2015; and (c) the SRM Regulation, each as amended, replaced or supplemented from time to time; or (ii) any other law, regulation, rule or requirement applicable from time to time in Spain pursuant to which (a) obligations or liabilities of banks, investment firms or other financial institutions or their affiliates can be reduced, cancelled, modified, transferred or converted into shares, other securities, or other obligations of such persons or any other person (or suspended for a temporary period or permanently) or (b) any right in a contract governing such obligations may be deemed to have been exercised.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the provisions of Article 48 of Law 11/2015 (without prejudice to any exclusions that may be applied by the Relevant Spanish Resolution Authority in accordance with Article 43 of Law 11/2015), in the event of any application of the Bail-in Tool, any resulting write-down or conversion by the Relevant Spanish Resolution Authority will be carried out in the following sequence: (i) CET1 items; (ii) the principal amount of Additional Tier 1 capital instruments; (iii) the principal amount of Tier 2 capital instruments; (iv) the principal amount of other subordinated claims other than Additional Tier 1 capital or Tier 2 capital; and (v) the principal or outstanding amount of the remaining eligible liabilities in the order of the hierarchy of claims in normal insolvency proceedings (with senior non-preferred claims (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">cr&#233;ditos ordinarios no preferentes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) subject to the Bail-in Tool after any subordinated claims (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">cr&#233;ditos subordinados</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) of the Bank but before the other senior claims of the Bank).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the Bail-in Tool, the BRRD, Law 11/2015 and the SRM Regulation provide for resolution authorities to have the further power to permanently write-down or convert into equity capital instruments (and, pursuant to BRRD II and the SRM Regulation II, certain internal eligible liabilities and instruments) at the point of non-viability (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Non-Viability Loss Absorption</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and, together with the Bail-in Tool, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Spanish Bail-in Power</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) of an Entity. Any write-down or conversion must follow the same insolvency hierarchy as described above. The point of non-viability of an Entity is the point at which the Relevant Spanish Resolution Authority determines that the Entity meets the conditions for resolution or will no longer be viable unless the relevant capital instruments are written down or converted into equity or extraordinary public support is to be provided and without such support the Relevant Spanish Resolution Authority determines that the institution would no longer be viable. The point of non-viability of a group is the point at which the group infringes or there are objective elements to support a determination that the group, in the near future, will infringe its consolidated solvency requirements in a way that would justify action by the Relevant Spanish Resolution Authority in accordance with article 38.3 of Law 11/2015. Non-Viability Loss Absorption may be imposed prior to or in combination with any exercise of the Bail-in Tool or any other resolution tool or power (where the conditions for resolution referred to above are met) or in combination with such exercise in respect of all eligible liabilities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the EBA has published certain technical regulation standards and technical implementation standards to be adopted by the European Commission, in addition to other guidelines. These standards and guidelines could potentially be relevant in determining when or how a Relevant Spanish Resolution Authority may exercise the Bail-in Tool and/or impose a Non-Viability Loss Absorption. These include guidelines on the treatment of shareholders when applying the Bail-in Tool or Non-Viability Loss Absorption, as well as on the rate for converting debt into shares or other securities or debentures in the application of the Bail-in Tool and/or Non-Viability Loss Absorption.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the extent that any resulting treatment of a holder of the Bank&#8217;s securities pursuant to the exercise of the Bail-in Tool is less favorable than would have been the case under such hierarchy in normal insolvency proceedings, a holder of such affected securities would have a right to compensation under the BRRD and the SRM Regulation based on an independent valuation of the institution, in accordance with Article 10 of RD 1012/2015 and the SRM Regulation, together with any other compensation provided for in any Applicable Banking Regulations (as defined below) including, inter alia, compensation in accordance with Article 36.5 of Law 11/2015. However, if the treatment of a creditor following a Non-Viability Loss Absorption is less favorable than it would have been under ordinary insolvency proceedings, it is uncertain whether said creditor would be entitled to the compensation provided for in the BRRD and the SRM Regulation.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">42</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Applicable Banking Regulations means at any time the laws, regulations, requirements, guidelines and policies relating to capital adequacy, resolution and/or solvency then applicable to the Bank and/or the Group including, inter alia, the CRD Directive, CRR, BRRD, the SRM Regulation and those laws, regulations, requirements, guidelines and policies relating to capital adequacy, resolution and/or solvency then in effect in Spain (whether or not such regulations, requirements, guidelines or policies have the force of law and whether or not they are applied generally or specifically to the Bank and/or the Group).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Relevant Spanish Resolution Authority means the FROB, the SRB, the Bank of Spain, the Spanish Securities Market Commission or any other entity with the authority to exercise any of the resolution tools and powers contained in Law 11/2015 and the SRM Regulation from time to time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Law 11/2015 means Law 11/2015, of June 18, on the recovery and resolution of credit institutions and investment firms, as amended, replaced or supplemented from time to time, including as amended by Royal Decree Law 7/2021 of 27 April on the transposition of European Union directives in matters of credit institutions, among others.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">MREL</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BRRD prescribes that banks shall hold a minimum level of own funds and eligible liabilities in relation to RWAs known as MREL. According to the Commission Delegated Regulation (EU) 2016/1450 of May 23, 2016, supplementing BRRD I with regard to regulatory technical standards specifying the criteria relating to the methodology for setting the minimum requirement for own funds and eligible liabilities, the level of own funds and eligible liabilities required under MREL will be set by the resolution authority, in agreement with the competent authority, for each bank (and/or group) based on, among other things, the criteria set forth in Article 45 of the BRRD, including the systemic importance of the institution. Eligible liabilities may be senior or subordinated, provided that, among other requirements, they have a remaining maturity of at least one year and, if governed by a non-EU law, they must be able to be written down or converted by the resolution authority of a member state under that law or through contractual provisions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the Relevant Spanish Resolution Authority considers that there may be any obstacles to resolvability by the Bank and/or the Group, a higher MREL could be imposed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The EU Banking Reforms provide that the breach by a bank of its MREL should be addressed by the competent authorities through their powers to address or remove obstacles to resolution, the exercise of their supervisory powers and their power to impose early intervention measures, administrative sanctions and other administrative measures. If there were a deficit in the level of an entity&#8217;s eligible own funds and liabilities, and that entity&#8217;s own funds were contributing to meeting the &#8220;combined capital buffer requirement,&#8221; these own funds would automatically be deemed to count toward meeting the MREL of said entity and would cease to count for purposes of meeting the &#8220;combined capital buffer requirement&#8221;, which could lead the entity to fail to comply with its &#8220;combined capital buffer requirement&#8221;. This could result in the need to calculate the MDA and the resolution authority would have the power (but not the obligation) to impose restrictions on the making of discretionary payments. Therefore, the Bank will have to fully comply with its &#8220;combined capital buffer requirement&#8221;, in addition to its MREL, to ensure that it can make discretionary payments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, in accordance with the EBA guidelines on the assumptions of triggering the use of early intervention measures of May 8, 2015, a significant deterioration in the amount of eligible liabilities and own funds held by an entity in order to comply with its MREL could place an entity in a situation where the conditions for early intervention are met, which could entail the application of early intervention measures by the competent resolution authority, which in the Spanish case are detailed in Articles 9 and 10 of Law 11/2015, including the intervention or provisional replacement of administrators.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The EU Banking Reforms further include, as part of MREL, a new subordination requirement of eligible instruments for G-SIBs and &#8220;top tier&#8221; banks (including the Bank) that will be determined according to their systemic importance, involving a minimum &#8220;Pillar 1&#8221; subordination requirement. This &#8220;Pillar 1&#8221; subordination requirement must be satisfied with own funds and other eligible MREL instruments (which MREL instruments may not for these purposes be senior debt instruments and only MREL instruments constituting &#8220;non-preferred&#8221; senior debt and other subordinated liabilities will be eligible for compliance with the subordination requirement). For &#8220;top tier&#8221; banks such as the Bank, this &#8220;Pillar 1&#8221; subordination requirement has been determined as the highest of 13.5% of the Bank&#8217;s RWAs and 5% of its leverage exposure. Resolution authorities may also impose further &#8220;Pillar 2&#8221; subordination requirements, which would be determined on a case-by-case basis but at a minimum level equal to the lower of 8% of a bank&#8217;s total liabilities and own funds and 27% of its RWAs (both including MREL Pillar 1 and Pillar 2).</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">43</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 8, 2022, BBVA announced that it had received a communication from the Bank of Spain of its new MREL requirement, as determined by the SRB, repealing and superseding the previous MREL requirement that was communicated in May 2021. In accordance with this new communication, BBVA has to maintain as from January 1, 2022, a volume of own funds and eligible liabilities equal to 21.46% of the total RWAs of its resolution group (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MREL in RWAs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), of which 13.5% of the total RWAs of BBVA&#8217;s resolution group has to be fulfilled with subordinated instruments (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MREL in RWAs subordination requirement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The MREL in RWAs and the MREL in RWAs subordination requirement do not include the combined capital buffer requirement which, according to applicable regulations and supervisory criteria, is currently 3.26% (setting the MREL in RWAs including the combined capital buffer requirement at 24.72% and the MREL in RWAs subordination requirement including the combined capital buffer requirement at 16.76%). As of December 31, 2022, the own funds and eligible liabilities of the resolution group amounted to 26.45% of its RWAs, and the subordinated own funds and eligible liabilities amounted to 21.74%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, BBVA had to maintain, as from January 1, 2022, an amount of own funds and eligible liabilities in terms of the total exposure considered for calculating the leverage ratio equal to 7.50% (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MREL in LR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) of which 5.84% in terms of the total exposure considered for calculating the leverage ratio shall be satisfied with subordinated instruments (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MREL in LR subordination requirement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the resolution group&#8217;s own funds and eligible liabilities and its subordinated own funds and eligible liabilities represented, respectively, 11.14% and 9.16% of the total exposure taken into account for the calculation of the leverage ratio. As from January 1, 2024, the minimum ratios to be met are the same as for 2022, except for the MREL in LR subordination requirement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The resolution group consists of BBVA and its subsidiaries belonging to the same European resolution group and, as of December 31, 2022 (the currently applicable reference date), the RWAs of the resolution group amounted to &#8364;206,987 million and the total exposure considered for calculating the leverage ratio amounted to &#8364;491,430 million. As of the date of this Annual Report, no MREL Pillar 2 requirement has been imposed on BBVA and BBVA complies with the MREL in RWAs, the MREL in RWAs subordination requirement, the MREL in LR and the MREL in LR subordination requirement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Single Resolution Fund</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The SRF was established by Regulation (EU) No 806/2014 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). Where necessary, the SRF may be used to ensure the efficient application of resolution tools and the exercise of the resolution powers conferred to the SRB by the SRM Regulation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The SRF is composed of contributions from credit institutions and certain investment firms in the participating Member States within the Banking Union.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SRF will be gradually built up during the first eight years (2016-2023) and shall reach the target level of at least 1% of the amount of covered deposits of all credit institutions within the Banking Union by December 31, 2023. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Within the resolution scheme, the SRF may be used only to the extent necessary to ensure the effective application of the resolution tools, as last resort, in particular:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">To guarantee the assets or the liabilities of the institution under resolution;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">To make loans to or to purchase assets of the institution under resolution;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">To make contributions to a bridge institution and an asset management vehicle;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">To make a contribution to the institution under resolution in lieu of the write-down or conversion of liabilities of certain creditors under specific conditions;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">To pay compensation to shareholders or creditors who incurred greater losses than under normal insolvency proceedings.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Intergovernmental Agreement (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IGA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) acknowledges that situations may exist where the means available in the Single Resolution Fund (Fund) are not sufficient to undertake a particular resolution action, and where the ex-post contributions that should be raised in order to cover the necessary additional amounts are not immediately accessible.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2013, ECOFIN Ministers agreed to put in place a system by which bridge financing would be available as a last resort. The arrangements for the transitional period should be operational by the time the Fund was established.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">44</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In this scenario, the Eurogroup decided in 2017 to expand the ESM role to serve as a backstop for the SRF. While the new features of the expanded role for the ESM were agreed by 2019, it was not until late 2020 that the euro area finance ministers agreed to proceed with the reform of the ESM and was later signed by Member States (represented by their ambassadors to the EU) on January 27. The backstop to the SRF was expected to be operational at the beginning of 2022, but the ratification process was not completed. As of the date of this Annual Report, the treaty is pending ratification by Italy and Croatia (which recently joined the Eurozone).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Once the ratification process is completed, the ESM will be able to provide support for up to &#8364;68 billion (in the form of credit lines). If this financial assistance is requested, the SRF will pay back the ESM loan with funds obtained from banks&#8217; contributions (in a period of three years, with the possibility to extend it to five years).</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_82"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Capital Management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Basel Capital Accord - Economic Capital</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group&#8217;s capital management is performed at both the regulatory and economic levels. Regulatory capital management is based on the analysis of the capital base and the capital ratios (core capital, Tier 1, etc.) using the BIS Framework rules and the CRR. See Note 32 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The aim of our capital management is to achieve a capital structure that is as efficient as possible in terms of both cost and compliance with the requirements of regulators, ratings agencies and investors. Active capital management includes securitizations, sales of assets, and preferred and subordinated issues of equity and hybrid instruments. Various actions have been taken during the last years in connection with our capital management and in order to comply with various capital requirements applicable to us related to various actions regarding asset sales. In addition, we may make securities issuances or undertake new asset sales in the future, which could involve outright sales of businesses or reductions in interests held by us, which could be material and could be undertaken at less than their respective book values, resulting in material losses thereon, in connection with our capital management and in order to comply with capital requirements or otherwise. The Bank has obtained the Bank of Spain&#8217;s and ECB&#8217;s approvals with respect to its internal model of capital estimation concerning certain portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following the European supervisory and regulatory focus on reducing the variability of own funds requirements (via the TRIM and EBA Repair Programme respectively), the Bank is currently reviewing its IRB models to ensure adherence to the evolving regulatory requirements. Although the final impact of this review is not yet known, it could result in an increase in the capital needs of BBVA.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">From an economic standpoint, capital management seeks to optimize value creation for the Group and its different business units. The Group allocates economic capital (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CER</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) commensurate with the risks incurred by each business. This is based on the concept of unexpected loss at a certain level of statistical confidence, depending on the Group&#8217;s targets in terms of capital adequacy. The CER calculation combines credit risk, market risk (including structural risk associated with the balance sheet and equity positions), operational risk, model risk, business risk, reputational risk and technical risks in the case of insurance companies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shareholders&#8217; equity, as calculated under the BIS Framework rules, is an important metric for the Group. For the purpose of allocating capital to operating segments, the Group focuses on both economic and regulatory capital. The purpose is to ensure that the businesses are run considering both the risk-sensitive perspective and the regulation requirement. These are designed to provide an equitable basis for assigning capital and ensure adequate capital management across the Group. </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_85"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Concentration of Risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with Article 392 of Regulation (EU) 2019/876 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR II</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), an institution's exposure to a client or a group of connected clients shall be considered a large exposure where the value of the exposure is equal to or exceeds 10% of its Tier 1 capital.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, according to Article 395 of Regulation (EU) 2019/876 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR II</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) an institution shall not incur an exposure, after taking into account the effect of the credit risk mitigation in accordance with Articles 399 to 403, to a client or a group of connected clients the value of which exceeds 25% of its Tier 1 capital. Where that client is an institution or where a group of connected clients includes one or more institutions, that value shall not exceed 25% of the institution's Tier 1 capital or &#8364;150 million, whichever is higher, provided that the sum of exposure values, after taking into account the effect of the credit risk mitigation in accordance with Articles 399 to 403, to all connected clients that are not institutions does not exceed 25% of the institution's Tier 1 capital. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">45</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Where the amount of &#8364;150 million is higher than 25% of the institution's Tier 1 capital, the value of the exposure, after having taken into account the effect of credit risk mitigation in accordance with Articles 399 to 403 of this Regulation, shall not exceed a reasonable limit in terms of that institution's Tier 1 capital. That limit shall be determined by the institution in accordance with the policies and procedures referred to in Article 81 of Directive 2013/36/EU in order to address and control concentration risk. That limit shall not exceed 100% of the institution's Tier 1 capital.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_88"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Legal and Other Restricted Reserves</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to the legal and other restricted reserves requirements applicable to Spanish companies. Please see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_91"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment of Financial Assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Historically, the definition of credit-impaired asset under IFRS 9 used by the Group has been substantially consistent with the definition of default for internal credit risk management, which is the definition used for regulatory purposes. In 2021, the Group updated its definition of default for internal credit risk management purposes to conform to that set forth in the EBA Guidelines, in compliance with article 178 of Regulation (EU) No 575/2013 (CRR). As a result thereof, the Group deemed it appropriate to update the definition of credit-impaired asset (Stage 3), considering it a change in accounting estimate, so that such definition continues to be substantially consistent with the definition of default used for internal credit risk management. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group estimated that the update in the definition of credit-impaired asset (Stage 3) led to an increase of &#8364;1,262 million in impaired financial assets as of December 31, 2021. The impact of this change on expected credit losses was not considered to be significant, since most of the affected transactions were previously classified within Stage 2 and, consequently, their credit risk coverage already corresponded to the expected credit losses throughout the expected lifetime of the transactions. For a discussion of applicable accounting standards related to loss allowances on financial assets and the method for calculating expected credit loss, see Note 2.2.1 to our Consolidated Financial Statements. See also &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Selected Statistical Information&#8212;ASSETS&#8212;Impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8212;Operating Results</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_94"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Dividends </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A bank may generally dedicate all of its net profits and its distributable reserves to the payment of dividends. In no event may dividends be paid from non-distributable reserves. For additional information see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 8. Financial Information&#8212;Consolidated Statements and Other Financial Information&#8212;Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since January 1, 2016, according to CRD IV, those credit entities required to calculate their MDA are subject to restrictions on discretionary payments, which include, among others, dividend payments. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Capital Requirements, MREL and Resolution</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although banks are not legally required to seek prior approval from the Bank of Spain or the ECB before declaring dividends (distributions of share premium account is subject to prior approval), we inform each of them on a voluntary basis upon the declaration of a dividend. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Bylaws allow for dividends to be paid in cash or in kind as determined by shareholders&#8217; resolution.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_97"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Investment Ratio</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the past, the Spanish government used the investment ratio to allocate funds among specific sectors or investments. As part of the liberalization of the Spanish economy, it was gradually reduced to a rate of zero percent as of December 31, 1992. However, the law that established the ratio has not been abolished and the government could re-impose the ratio, subject to applicable EU requirements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_100"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Principal Markets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a summary of certain laws and regulations applicable to BBVA&#8217;s operations in Spain, Mexico, Turkey and the United States. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For information on certain measures that the governments of the main countries where the BBVA Group operates have taken to limit the effects of the COVID-19 pandemic (including measures which have affected the BBVA Group&#8217;s lending activity and credit risk-taking), as well as on the measures adopted by the BBVA Group to support its customers pursuant to initiatives required or supported by the relevant governments, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;The COVID-19 Pandemic</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">46</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s operations in Spain are subject to European Union-wide and Spanish national regulations. Spain has a broad regulatory framework designed to ensure consumer protection and enhance transparency. Finance and deposits products are subject to both general consumer and product-specific laws which, in certain circumstances, differentiate between consumers and non-consumers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The provision of payment accounts and services in Spain is subject to various regulations, most of which transpose European legislation, such as Directive (EU) 2015/2366 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PSD 2</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and Directive (EU) 2014/92. Such regulations lay down minimum information requirements for providers of payment accounts and services as well as certain transparency provisions with regard to fees. A significant development in relation to the implementation of PSD 2 is a requirement to allow third parties access to accounts to provide account information and payment initiation services, provided they have a customer&#8217;s consent.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding loans, there are separate regulations applying to consumer loans and residential loans which are, in both cases, mainly derived from European legislation, including Directive (EU) 2008/48 (relating to credit agreements for consumers) and Directive (EU) 2014/17 (relating to credit agreements for residential immovable property). In 2019, Law 5/2019, of March 15, regulating real estate credit agreements (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Law 5/2019</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) was passed. It applies to individuals, whether or not they are consumers, and sets limits on default interest, early maturity and early repayment fees, and provides a comprehensive framework of pre-contractual information provisions. Law 5/2019 also requires that a notarial act shall be granted prior to signing a residential credit agreement in which the notary verifies that the bank has fulfilled all of its legal pre-contractual information obligations and that the borrower has understood all the clauses contained in the European Standard Information Sheet (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESIS</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The regulatory framework also includes specific regulations designed to protect the most vulnerable customers, such as the requirement for banks to offer basic accounts to customers without access to ordinary bank accounts. Basic accounts may be free of charge or have a maximum monthly cost of three euros. In the area of mortgage lending, there is a Code of Good Practices regulated by Royal Decree Law 6/2012 to be adhered to by financial entities to facilitate the refinancing of mortgage debt by debtors who suffer extraordinary difficulties in meeting their payment obligations including features such as dation in payment as a refinance measure (for information on certain recent changes to the Code of Good Practices, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;COVID-19 regulation and other regulation designed to protect vulnerable clients</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; below).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, extensive regulation about revolving credit was approved by Order ETD/699/2020, of July 24, regulating revolving credit and amending Order ECO/697/2004, of March 11, on the Central Risk Information Office, Order EHA/1718/2010, of June 11, regulating and controlling the advertising of banking services and products and Order EHA/2899/2011, of October 28, on transparency and protection of customers of banking services. This regulation sets out, among others, new provisions on creditworthiness assessment and transparency requirements for revolving credit. In particular, lenders shall assess whether customers could repay amounts equal to at least 25% of the credit on an annual basis. Additionally, in 2022 Circular 3/2022 of March 30 of the Bank of Spain, amending, among others, Circular 5/2012 of June 27 of the Bank of Spain, and implementing Order ETD/699/2020 in relation to revolving credit information was passed. Regarding European cross-border payments, Regulation 2019/518 introduced two amendments to Regulation 924/2009: (i) the extension of the equality of charges principle to non-euro Member States; and (ii) new rules on the transparency of charges regarding currency conversions for payments at the point of sale or at ATM machines, as well as for credit transfers. The main changes introduced by this regulation entered into force in December 2019 and April 2020 and some obligations of information, related to electronic communications, came into force in April 2021. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In relation to payment services, Order ECE/1263/2019 of December 26, on transparency of conditions and information requirements applicable to payment services, entered into force on July 1, 2020. This Order establishes the information requirements applicable to payment transactions and is mandatory for both parties if the customer is a consumer or a micro-enterprise. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, Circular 4/2020, of June 26, of the Bank of Spain on advertising products and banking services came into force on October 15, 2020. This Circular sets out a specific regime for advertising of banking products and services in audiovisual, radio or digital media and social networks. According to Circular 4/2020, a commercial communication policy shall be approved by the management body and internal records of all advertising campaigns shall be kept.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Spanish Securities Market Commission (Comisi&#243;n Nacional del Mercado de Valores or &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CNMV</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) Circular 2/2020, of October 28, on the advertising of investment products and services, complemented and developed Order EHA/1717/2010, of June 11, on the regulation and control of advertising of investment services and products, of the Ministry of Economy and Finance.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">47</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, Spanish Act 7/2020 for the digital transformation of the financial system was adopted. This law regulates the controlled testing environment (&#8220;regulatory sandboxes&#8221;) that are designed to facilitate the development and implementation of innovative technology in the financial system, while providing supervisory coverage and aiming to respect the principle of non-discrimination. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, Spanish Act 6/2020, regulating certain aspects of electronic trust services, was adopted. This law seeks to adapt Spanish legislation to certain aspects of Regulation (EU) 910/2014 regarding electronic identification and trust services for electronic transactions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">New Proposed Financial Customer Defense Authority</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2022, the legislative procedure to pass the regulation establishing an independent administrative authority (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Authority</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) for the defense of financial customers began. It is currently pending approval by Congress.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Authority will have faculties to hear and adopt binding resolutions, with respect to financial entities only, in connection with claims of financial customers or potential customers (i) not exceeding 20,000 euros, regarding breaches of conduct regulations (included voluntary codes of good practices) and abusive clauses; or (ii) with an undetermined amount (this will need to be further developed by subsequent regulation). The Authority's resolution will not be binding when the amount of the claim is equal to or greater than 20,000 euros or is related good practices. In relation to abusive clauses, the Authority will decide on the existence of abusive clauses if these have been previously declared as such by the Supreme Court and the Court of Justice of the European Union (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CJEU&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) and a final ruling has been registered with the Spanish registry of general terms and conditions of contracting. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Authority shall resolve complaints from individuals and companies, including potential customers. Resolutions may be appealed, if binding, before the contentious-administrative courts and, if not binding, by the client before the civil courts in Spain. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With respect to claims of an economic nature, the resolution may order the refund of amounts determined to be unduly charged, plus interest for late payment. With respect to other claims, the resolution may establish a compensation of an amount ranging from 100 to 2,000 euros. In addition, guidelines for compensation will be established. The fee per claim amounts to 250 euros and must be paid by the financial institutions, irrespective of whether the Authority's decision is favorable or unfavorable to the claimant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Authority may impose penalties for non-compliance with its resolutions (from 500,000 to 2,000,000 euros). Additionally, sanctions could be imposed on managers and directors (from 250,000 to 1,000,000 euros). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">COVID-19 Regulation and Other Regulation Designed to Protect Vulnerable Clients</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">COVID-19 led to the adoption of Royal Decree Law 5/2021, which introduced the following measures: (i) a Code of Good Practices passed by the Council of Ministers Agreement on May 11, 2021, (ii) the regime for the collection of credits with guarantees of the ICO (Instituto de Cr&#233;dito Oficial, a state-owned credit institution) (also developed subsequently by the abovementioned Council of Ministers Agreement) and (iii) extension of the exemption from the debtor&#8217;s duty to request the declaration of insolvency proceedings until December 31, 2021. This period was initially extended until June 30, 2022 by Royal Decree Law 27/2021 extending measures to support the recovery, and further extended as an additional measure of the Code of Good Practices by the Council of Ministers, approving the agreement to establish the possibility of term extensions of ICO financing given to self-employed and companies after the expiry of the Temporary Framework of state support approved by the European Commission (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;The COVID-19 pandemic&#8213;Measures adopted in light of the COVID-19 pandemic</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Royal Decree Law 5/2021 envisages three levels of measures in relation to ICO guaranteed loans to strengthen corporate solvency: (i) the extension of the maturity of guaranteed loans, (ii) the conversion of guaranteed loans into shareholder ones, maintaining the ICO guarantee and (iii) transfers of funds to the self-employed and companies to reduce the guaranteed financing. The aim of these measures is to strengthen the solvency of those companies and self-employed workers who, despite having viable businesses, have seen their financial situation worsened as a result of the COVID-19 crisis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, in Spain, Royal Decree-Law 19/2022, of November 22, was published, introducing a set of measures to reinforce the protection of vulnerable mortgage debtors, given the rise in interest rates and inflation. Among others, the Royal Decree-Law introduces a new Code of Good Practices on a transitional basis for the restructuring of the mortgage debt of middle-class mortgagors at risk of vulnerability due to rising interest rates and adopts other measures to make subrogation easier for any consumer, or to convert variable rate loans to fixed rate, as well as to encourage competition in the mortgage loan market. BBVA has adhered to the new Code of Good Practices with effect from January 1, 2023.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">48</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Insolvency Law</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2022 Law 16/2022 of September 5 on the reform of the consolidated text of the Insolvency Law (Law 16/2022) was passed. Law 16/2022 transposes Directive (EU) 2019/1023 of the European Parliament and of the Council of June 20, 2019 on frameworks for preventive restructuring, debt waivers and disqualifications, and on measures to increase the efficiency of restructuring, insolvency and debt waiver procedures. The new insolvency legal framework provides for (i) the creation of a new state of insolvency (&#8220;the likelihood of insolvency&#8221;), prior to imminent and actual insolvency, which enables access to certain pre-bankruptcy institutions, (ii) the removal of out-of-court payment agreements and refinancing agreements, introducing instead &#8220;Restructuring Plans&#8221; and (iii) the new &#8220;Special procedure for micro-enterprises&#8221; applicable to debtors, whether natural or legal persons, that meet certain characteristics.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Real Estate Regulation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding real estate, the Spanish government and the governments of several autonomous regions of Spain have taken measures to improve access to housing by either supporting public housing or protecting mortgage owners and/or home renters. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This includes measures in the areas of leases, subsidized housing and uninhabited housing. For example, in Navarra, a penalty regime was approved, which introduces (i) the obligation to offer subsidized rent prior to the beginning of the foreclosure, dation in payment or agreement of compensation or transfer of the property due to non-payment of the mortgage loan, as well as (ii) a right of first refusal in favor of the Government of Navarra in certain cases of transfer of housing. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Market</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 2, 2021, RDL 24/2021 was approved, transposing several European Union directives, including Directive (EU) 2019/2162 of the European Parliament and of the Council of November 27, 2019, on the issuance and public supervision of covered bonds and amending Directives 2009/65/EC and 2014/59/EU. This RDL simplifies the Spanish legal regime of the mortgage market, repealing in full the content of Law 2/1981, of March 25, on the regulation of the mortgage market.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Investment Services</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Several European Union&#8217;s sustainability initiatives are expected to strongly impact the asset management and retail investment services business during 2023. Firstly, asset managers must complete the templates of ESG disclosures set out by the delegated act supplementing the EU Sustainable Finance Disclosure Regulation (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SFDR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). At an entity level, this means that asset managers shall start reporting the principal adverse impacts of their investments based on numerous ESG indicators whose availability may be still limited in certain cases; at a product level, this means that asset managers shall complete the required precontractual documentation, and provide the relevant web and periodic information regarding light and dark green funds in accordance with new stringent disclosure requirements. Moreover, as a complement to the modifications of MiFID II approved in 2021, during 2023 the European Securities and Markets Authority (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESMA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) shall publish an update of the guidelines on the suitability requirements, which shall detail how clients&#8217; sustainability preferences are to be obtained and assessed. In order to accomplish the aforementioned changes successfully, the availability of increased ESG data is viewed as essential, which is expected, at least partly, to occur once the delegated acts developing the Taxonomy Regulation and the new Corporate Sustainability Reporting Directive (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CSRD</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) are fully operative.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Also in the asset management sector, Law 11/2021, of July 9, 2021, on measures to prevent and combat tax fraud, impose new requirements for Spanish SICAVs (public limited companies whose object is to invest in financial assets). For this reason, the majority of the Spanish SICAVs managed by the Group were liquidated in 2022. In 2023, the shareholders of such SICAV will have to reinvest the proceeds in other assets.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">49</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In terms of financial services legislation, Regulation (EU) 1286/2014 (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PRIIPs Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) which became applicable on January 1, 2018 for packaged retail and insurance-based investment products (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PRIIPs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) except UCITS (Undertakings for the Collective Investment in Transferable Securities), will be applicable also for UCITS from December 31, 2022. The PRIIPs Regulation requires product manufacturers to create and maintain key information documents (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">KIDs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and will require to adapt all the KIDs for UCITS to the PRIIPs Regulation. Also in the financial services field, the European Union has passed the Directive 2021/338 which amends MiFID II. Such amendment is focused on the reduction of potential administrative burdens in the context of the provision of financial services. The Directive should be implemented by Member States by November 28, 2021 and be applicable from February 28, 2022. However, Spain has not implemented these changes into national legislation yet. The expectation is that the amendment of the Spanish securities markets law will be made during the first half of 2023. Additional changes to MiFID II, of a more complex nature, are expected for the next few years and public authorities have made a consultation process in order to obtain feedback from the public. This amendment of MiFID II could have an impact on the entities but its implementation is not expected for the next year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The European Union has also been very active in terms of adopting legislation to preserve financial stability. In this regard, the BBVA Group has been subject to initial margin requirements under Regulation (EU) 648/2012, regarding OTC derivatives, central counterparties and trade repositories, since September 2019, as well as similar legislation in other geographical areas. In addition, BBVA Group entities classified as financial counterparties are required to post and receive initial margins when dealing with other in-scope entities.  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Pension Funds</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding the pension funds sector, the government is promoting a profound modification of the regulation of the private pension system aimed at boosting occupational retirement institutions and penalizing individual pension plans. This modification has resulted in the following: (i) first, in a reduction of the contribution limits in private social security schemes: the maximum contribution has been reduced, from &#8364;8,000 to &#8364;1,500 per year; and (ii) second, the enactment of Law 12/2022, of June 30, regulating public-promoted occupational retirement institutions and simplified pension plans. That law seeks to boost the occupational retirement institutions by creating a new category which would be publicly promoted. The management and depositary entities of such new institutions shall be appointed after a public bidding process. These new institutions shall be further regulated in 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Benchmarks</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Another initiative in which both the public and private sectors have been fully involved during the last few years is the interbank offered rates (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IBORs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) reform led by the Financial Stability Board. BBVA has set up an internal working group to analyze the potential impact of IBORs reform and actions to be taken in relation thereto. In this regard, changes have been made to legacy contracts (mainly those linked to LIBOR and EONIA) and in the templates for new agreements in order to avoid or reduce the exposure to IBORs. The official discontinuation date for LIBORs exUSD (GBP, CHF, EUR, JPY), LIBOR USD 1-week and 2-month indices was December 31, 2021, and for EONIA was January 3, 2022. However, the Financial Conduct Authority (FCA) and the European Commission have established a legal safeguard in the event that there are some operations that could not be migrated before such discontinuation dates. See Note 7.3.4 to our Consolidated Financial Statements for additional information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Temporary Tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 28, 2022, the Law for the establishment of the temporary tax on credit institutions and financial credit establishments was published in the Official State Gazette.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This law establishes an obligation to pay a non-taxable equity benefit of public nature during the years 2023 and 2024 to those credit institutions that operate in Spain whose aggregated amount of interest income and fee and commission income generated, corresponding to the year 2019, equals or exceeds &#8364;800 million. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount of the benefit to be paid will be the result of applying the percentage of 4.8% to the sum of the net interest income and fee and commission income and expense derived from the activity carried out in Spain, as shown in the income statement of the tax consolidation group to which the credit institutions belongs, corresponding to the calendar year prior to the year in which the obligation to pay arose. The payment obligation arises on the first day of the calendar year of fiscal years 2023 and 2024.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated impact for 2023 is &#8364;225 million and has been recorded on January 1, 2023 in the heading "Other operating expense" of the consolidated income statement. As dictated by the law, within the 20 first days of February 2023, BBVA has made a payment corresponding to 50% of the estimated impact for 2023.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">50</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_103"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Prevention of Money Laundering and Terrorist Financing</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing aims to prevent the use of the Union&#8217;s financial system for the purposes of money laundering and terrorist financing.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Spanish Law 10/2010 of April 28 transposes Directive (EU) 2015/849 and establishes obligations in respect of preventing money laundering and terrorist financing, including applicable due diligence, internal controls and reporting obligations to obliged entities. Credit institutions, including BBVA, are part of the entities that are subject to such regulation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 20, 2021, the European Commission presented an ambitious package of legislative proposals to strengthen the EU&#8217;s anti-money laundering and countering the financing of terrorism rules. The legislative package is being discussed by the European Parliament and Council as part of its legislative process.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_106"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Data Protection Regulation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (&#8220;GDPR&#8221;) aims to achieve effective protection of personal data by providing natural persons in all EU member states with the same level of legally enforceable rights and obligations regarding personal data and imposing responsibilities on data controllers and processors to ensure consistent monitoring of the processing of personal data. Organic Law 3/2018, of December 5, on the protection of personal data and guarantee of digital rights implemented the GDPR into law in Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For BBVA, the GDPR has affected directly the way we manage internal and external processes. Due to the incremental use of new technologies in almost any process carried out by the Group, where personal data of individuals are usually involved, we have had to introduce multiple changes. The GDPR&#8217;s accountability requirements to comply with data protection principles and to be able to demonstrate such compliance, has led to an increased uptake of implementing and revising our privacy management processes, from the way in which consent is obtained from the client, to the implementation of processes to put into effect new rights.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">GDPR introduces a risk-based approach to data processing (the higher the risk associated with the data processing, the higher the standard for the evidence to be submitted in order to prove compliance with the GDPR), including the preparation of Data Protection Impact Assessments for each high-risk data processing activity, &#8220;privacy by design&#8221; requirements (where data protection is integrated in the technology when created) and the legitimate interest balancing test (to weigh the reasons a business holds personal data against the data rights of an individual). This seeks to ensure appropriate risk-based prioritization of mitigations and controls and a more effective data management program based on actual risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, GDPR obligations and requirements to notify breaches to authorities and individuals under different circumstances meant that BBVA had to review and enhance our existing data security measures and programs and also to update BBVA&#8217;s breach response plans and notification procedures, while training staff and management. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One of the main concerns for BBVA has been cross border transfers to service providers located in jurisdictions that are deemed to afford less protection than the protection afforded in the EU, including the United States. In July 2020, the Court of Justice of the European Union (CJEU) judgment in the Schrems II case made transfers of personal data from the EU to the U.S. on the basis of the EU-US Privacy Shield Decision illegal. Such Decision had, since July 2016, allowed the free transfer of data to companies certified in the United States under the Privacy Shield. The CJEU ruling resulted in BBVA dramatically scaling back the use of U.S.-based services. In December 2022, the European Commission launched the process to adopt an adequacy decision for the new EU-US Data Privacy Framework, which is intended to address the concerns raised by the CJEU in its Schrems II decision. The adoption process involves obtaining an opinion from the European Data Protection Board and the green light from a committee composed of representatives of EU Member States. In addition, the European Parliament has a right of scrutiny over adequacy decisions.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_115"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Mexico</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s operations in Mexico are highly regulated. The Mexican regulatory framework for financial and banking activities aims to ensure the stability of the financial system and combat money laundering, as well as to provide consumer protection and transparency in the provision of financial services.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The provision of financial and deposit products is mainly regulated in the Banking Law and provisions issued by the National Banking and Securities Commission (Comisi&#243;n Nacional Bancaria y de Valores or &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CNBV</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and BANXICO, where CNBV issues prudential regulation and BANXICO regulates banking transactions, including financial and deposit products. In addition, the Financial Services Transparency and Regulation Law contains provisions regarding transparency and consumer protection.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">51</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The regulatory framework for capital markets includes specific regulations designed to develop the stock market in an equitable, efficient and transparent manner, protect the interests of investors and promote competition, as well as to minimize systemic risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding asset management, regulation encourages the creation and development of investment companies and promotes the strengthening and the decentralization of the stock market by facilitating the access of small and medium investors. It also establishes the rules for the organization and operation of investment funds, the intermediation of their shares in the stock market, as well as the organization and operation of the people who provide asset management services.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022, the CNBV issued regulations to modify contingency plans requirements in order to strengthen banks&#8217; financial position in the case of events affecting their liquidity and solvency.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Also, the National Commission for the Protection and Defense of the Users of Financial Services (Comisi&#243;n Nacional para la Protecci&#243;n y Defensa de los Usuarios de Servicios Financieros or &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CONDUSEF</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) issued new provisions in 2022 that consolidate all the registration obligations applicable to financial institutions, establish new reporting obligations and debt collection requirements and restrictions. Such provisions became effective in January 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, the Congress is discussing an amendment to the Banking Law regarding the procedures banks must follow with respect to funds outstanding in accounts that remain inactive for a six-year period. Currently, the rights over amounts not exceeding approximately 29,000 Mexican pesos (approximately US$1,450) expire in favor of the public charity (resources granted by the government that provide functional support to vulnerable sectors). The main proposed changes entail: (i) increasing the latter amount to approximately 52,000 Mexican pesos (approximately US$2,600), and (ii) that any other amounts exceeding the latter shall expire in favor of and be furnished to the public security (government&#8217;s efforts towards safeguarding the integrity and rights of persons, among others). The proposed amendment is currently under discussion considering comments from the Mexican Banking Association that seek to protect the investors&#8217; rights by providing a mechanism that entitles clients (or their beneficiaries) to claim their financial resources, regardless of whether such resources have already been furnished to the public charity or public security. Such amendment would modify the procedures banks must follow with respect to the resources abandoned in client accounts, which may have an operational impact on BBVA&#8217;s operations in Mexico.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2020, the Federal Economic Competition Commission (Comisi&#243;n Federal de Competencia Econ&#243;mica or &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">COFECE</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) published a preliminary opinion on its investigation regarding the card payments&#8217; market identifying four potential barriers to competition that prevent the entry and increase costs for new market participants that hinder innovation and investment and increase merchant acquisition costs. Among other measures, COFECE could order that banks divest at least 51% of their stakes in card payment clearing houses (Prosa and E-Global), and the preliminary opinion recommends that BANXICO and the CNBV eliminate regulatory obstacles and issue regulations to ensure competition. During 2021, stakeholders presented arguments and evidence to counter the Commission&#8217;s concerns. The lack of appointed Commissioners required to issue a resolution led to a suspension of the process. Recently, new Commissioners have been appointed allowing the Commission to lift the suspension and continue the process, and a final decision is expected by mid-March 2023. Separately, in October 2022, COFECE announced that in April 2022 it had started an investigation regarding collusion practices in credit card transactions with deferred monthly payments at zero interest rate. The investigation could extend up to October 2024. As of the date of this Annual Report, BBVA has not been notified or otherwise required to participate or provide any information in the context of this investigation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For additional information on certain recent legal and market developments, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Competition&#8212;Mexico</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_118"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Turkey</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s operations in Turkey are subject to regulation by Turkish national authorities. Apart from fundamental legal rules and product/service-specific legal regulations, the most basic regulation for the sector is the Banking Law No. 5411. The purpose of this law is to regulate the principles and procedures for ensuring confidence and stability in financial markets, the efficient functioning of the credit system and the protection of the rights and interests of depositors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In general, the rules applicable to products and services that banks in Turkey offer to consumers are more stringent than rules applicable with respect to commercial and corporate banking customers. Besides general consumer protection regulations, there are specific regulations of the Banking Regulation and Supervision Agency (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRSA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) on banking consumers. In 2021, the regulations that were introduced in 2020 authorizing the Central Bank of the Republic of Turkey (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CBRT</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) to impose restrictions regarding certain fees and commissions that may be charged to customers were amended. On September 23, 2022, the Procedures and Principles Regarding Fees to be Collected by Banks from Commercial Customers entered into force (through Communiqu&#233; No. 2020/4 and further amendments), establishing maximum limits with respect to loan allocation and loan disbursement fees.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">52</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At the beginning of the COVID-19 pandemic, in April 2020, BRSA issued a recommendation to protect the value of the Turkish lira through ensuring that the customers who are granted cash loans, do not use the loan amounts for buying foreign currency or gold, opening time deposit accounts, investing in securities or repurchase agreements and transferring such funds abroad other than with an export purpose. Furthermore, to protect Turkish lira-denominated deposits from volatility in exchange rates, the Communiqu&#233; on Supporting the Conversion of Turkish Lira Deposits and Participation Accounts (No: 2021/14) regulating the Foreign Currency Protected Turkish Lira Deposit Account product was amended in 2022. Accordingly, domestic legal entities could open Turkish Lira Deposit and Participation Accounts with their existing balances in banks between December 31, 2021 and June 30, 2022. This date range was extended through December 31, 2023 as per the Presidential Decree dated December 17, 2022 on Amending the Communiqu&#233; on Supporting the Conversion of Turkish Lira Deposits and Participation Accounts. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since November 2020, the CBRT establishes the interest applicable to credit cards, which is also applied to overdraft accounts, on the last fifth business day of each month. Floating interest rates can be applied to Turkish lira deposits with a maturity of three months or more, and to foreign currency deposits with a maturity of more than six months. Pursuant to CBRT legislation, banks are free to determine the interest rates on deposits and loans. However, the yearly interest rate on current deposit accounts may not exceed 0.25%, significantly below the inflation rate (85.51% in November 2022).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The deadline of certain obligations of payment institutions was extended with the recent amendments made in November 2022 to the Regulation on Payment Services and Electronic Money Issuance and Payment Service Providers and to the Communiqu&#233; on Information Systems of Payment and Electronic Money Institutions and Data Sharing Services of Payment Service Providers in Payment Services Area. Compliance date of certain articles both in the Regulation and in the Communiqu&#233; were extended until February 28, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Regulation on the Disclosure of Confidential Information drafted by the BRSA entered into force on July 1, 2022, governing the confidentiality and non-disclosure of confidential client information under article 73/3 of Banking Law numbered 5411. Accordingly, confidential bank and client data shall not be disclosed to third parties (except to certain parties identified in the legislation) and its use shall be strictly limited to the purposes specified under the legislation. Furthermore, in August 2022, the BRSA published the Circular on the Implementation of the Regulation on the Disclosure of Confidential Information (No. 2022/1) which provides clarification on the scope of the definition of &#8220;common customer&#8221;, the disclosures to be made to the main shareholder and controlling shareholder and the disclosure of sensitive personal data.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Regulation on the Operation Principles of Digital Banks and Service Model Banking entered into force in January 2022 and throughout this year several digital banking licenses were granted, pursuant to the relevant regulation that was enacted by BRSA last year. In this respect, in November 2022, a circular draft in relation to the criteria required for identity verification and transaction security through electronic means was shared with banks to obtain their comments thereto. In August 2022, another circular was published by BRSA as per the Regulation on the Disclosure of Confidential Information and, within this scope, certain concepts were elaborated alongside with some principles with regard to disclosures to the main shareholder and disclosures of personal data of a special nature.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A regulation amending the Regulation on Consumer Loan Agreements was published on September 23, 2022. Changes regarding the required preliminary information to be provided to borrowers and the mandatory content of the fixed term consumer loan agreement entered into force on January 1, 2023, while other changes entered into force on October 1, 2022. As a result of the amendments made to the Consumer Loan Agreements Regulation, the scope of the information required to be in the information form given to the consumers with respect to the relevant loan was expanded. Further, the loan-related insurances can be entered into only if the consumer accepts and demands it.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2022, the CBRT unveiled its &#8220;liraization&#8221; strategy, which is an integrated policy framework seeking to stabilize the Turkish lira, including by permanently increasing the weight of the Turkish lira in both assets and liabilities of the banking system. On June 10, 2022, the CBRT published the Communique on Amending the Communique on Reserve Requirements for the purpose of increasing the reserve requirement ratio for Turkish lira-denominated commercial cash loans from 10% to 20% with a view to supporting financial stability, and published the Communique on Maintenance of Turkish Lira Denominated Securities for Foreign Currency Liabilities, which requires banks to maintain additional Turkish lira long-term fixed-rate securities for foreign currency deposits/participation, as a complementary step to other measures intended to increase the weight of the Turkish lira fixed-rate securities in the collateral pool. On August 20, 2022, the CBRT announced amendments to the reserve requirement practice, including an increase of the reserve requirement from 20% to 30% to enhance the efficiency of the practice. On October 18, 2022, the CBRT announced that the securities maintenance ratio would be set at 5%. On December 31, 2022, other financial institutions (in addition to banks) were included within the scope of the legislation. The securities maintenance requirement have been extended until December 29, 2023. The CBRT continues to issue letters and instructions to further clarify the implementation of these requirements on a regular basis.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">53</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Garanti BBVA is required to conduct its investment banking business in accordance with the Turkish Capital Market Law and various related regulations issued by Capital Market Board of Turkey. As a commercial bank, Garanti BBVA has a license to carry out the following activities: (i) receipt and transmission of orders in relation to capital market instruments, (ii) execution of orders in relation to capital market instruments (except shares and derivative instruments based on stock indices or stocks) in the name and account of the customer or in its own name and in the account of the customer, (iii) dealing for its own account (except for derivative instruments based on stock indices and stocks) and (iv) safekeeping and administration of capital market instruments in the name of the customer and portfolio custody service.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For additional information on certain recent legal and market developments, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Competition&#8212;Turkey</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_121"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">United States</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s operations in the United States were significantly reduced following the completion of the USA Sale (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Sale of BBVA USA Bancshares, Inc.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). BBVA&#8217;s remaining activities and operations in the United States are subject to extensive U.S. federal and state supervision and regulation, and in some cases, U.S. requirements may impose restrictions on BBVA&#8217;s global activities. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">U.S. Bank Regulation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although BBVA no longer has a U.S. bank subsidiary, because BBVA maintains a branch in the United States, BBVA continues to be a foreign banking organization and a bank holding company within the meaning of the U.S. Bank Holding Company Act of 1956, as amended (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BHC Act</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the International Banking Act of 1978, as amended (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IBA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and as a result, BBVA is subject to regulation and supervision by the Board of Governors of the Federal Reserve System (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Federal Reserve</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). BBVA has also elected to be treated as a financial holding company. To continue to be treated as a financial holding company, each of BBVA and BBVA Bancomer, S.A. must maintain certain regulatory capital ratios above minimum requirements and must be deemed to be &#8220;well-managed&#8221; for U.S. bank regulatory purposes. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a bank holding company, BBVA&#8217;s direct and indirect activities and investments in the United States are limited to banking activities and certain non-banking activities that are &#8220;closely related to banking,&#8221; as determined by the Federal Reserve, and certain other activities permitted under the BHC Act and IBA. BBVA is required to obtain the prior approval of the Federal Reserve before acquiring, directly or indirectly, the ownership or control of more than 5% of any class of voting securities of any U.S. bank or bank holding company. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s New York branch is supervised by the Federal Reserve through the Federal Reserve Bank of New York, as well as licensed and supervised by the New York State Department of Financial Services. BBVA Bancomer, S.A.&#8217;s agency office in Houston, Texas is a non-FDIC insured agency office of BBVA Bancomer, S.A., an indirect subsidiary of BBVA, which is licensed under the laws of the State of Texas and supervised by the Texas Department of Banking and the Federal Reserve. BBVA&#8217;s U.S. branches and agencies are subject to additional liquidity requirements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Sections 23A and 23B of Federal Reserve Act and Regulation W place various qualitative and quantitative restrictions on transactions between BBVA&#8217;s U.S. branches and agencies and BBVA&#8217;s U.S. broker-dealer subsidiary with regard to extensions of credit, credit exposures arising from derivative transactions, and securities borrowing and lending transactions from the U.S. branches and agencies or engaging in certain other transactions involving the U.S. branches and agencies. Such transactions must be on terms that would ordinarily be offered to unaffiliated entities, must be secured by designated amounts of specified collateral, and are subject to quantitative limitations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2020, under the Federal Reserve&#8217;s rules, BBVA became a Category IV foreign banking organization for purposes of the Federal Reserve&#8217;s enhanced prudential standards rules. As a result of the USA Sale, BBVA&#8217;s combined U.S. assets decreased to less than $100 billion, the threshold for treatment as a Category IV foreign banking organization. As of the beginning of the second quarter of 2022, BBVA has had less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters and therefore is no longer treated as a Category IV foreign banking organization. Despite this change in status, BBVA continues to be subject to Federal Reserve regulations related to its compliance with Spanish capital adequacy standards, risk management and governance requirements, and liquidity and capital stress testing requirements based on its worldwide total assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA continues to be subject to U.S. resolution planning requirements following the USA Sale. Under Title I of the Dodd-Frank Act and implementing regulations issued by the Federal Reserve and the FDIC, BBVA must prepare and submit a plan for the orderly resolution of its U.S. subsidiaries and U.S. operations in the event of future material financial distress or failure (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Title I Resolution Plan</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). BBVA filed its most recent Title I Resolution Plan on July 1, 2022. Based on its worldwide total assets, BBVA is required to file a reduced Title I Resolution Plan once every three years.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">54</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA also continues to be subject to the Volcker Rule following the USA Sale. The Volcker Rule prohibits a foreign bank that maintains a branch or agency in the United States, such as BBVA, and its affiliates from (1) engaging in &#8220;proprietary trading&#8221; and (2) investing in or sponsoring certain types of funds (covered funds) subject to certain limited exceptions. The Volcker Rule regulations contain certain exemptions, including for market-making, hedging, underwriting, trading in U.S. government and agency obligations, and permit certain ownership interests in certain types of funds to be retained. They also permit the offering and sponsoring of funds under certain conditions. In the case of non-U.S. banking entities, such as BBVA, there is also an exemption permitting activities conducted solely outside of the United States, provided that certain criteria are satisfied. The Volcker Rule regulations impose significant compliance and reporting obligations on banking entities. BBVA is of the view that the impact of the Volcker Rule is not material to its business operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Derivatives</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA is provisionally registered as a &#8220;swap dealer&#8221; as defined in the Commodity Exchange Act and the regulations promulgated thereunder with the U.S. Commodity Futures Trading Commission (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CFTC</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which subjects BBVA to regulation and supervision by the CFTC and the National Futures Association. In general, as a non-U.S. swap dealer, BBVA is not subject to all CFTC requirements, including certain business conduct standards, when entering into swaps with non-U.S. counterparties. In addition, subject to certain conditions, BBVA may comply with EU OTC derivatives requirements in lieu of certain CFTC requirements, including portfolio reconciliation, portfolio compression and trade confirmation requirements, pursuant to substituted compliance determinations issued by the CFTC.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s worldwide swap activities are also subject to regulations adopted by the European Commission pursuant to the European Market Infrastructure Regulation (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EMIR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the EU&#8217;s Markets in Financial Instruments Directive (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MiFID</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and other European regulations and directives.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA is not registered as a security-based swap dealer with the SEC.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Anti-Money Laundering; Office of Foreign Assets Control</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A major focus of U.S. governmental policy relating to financial institutions in recent years has been aimed at combatting money laundering and terrorist financing. Regulations applicable to BBVA and certain of its affiliates impose obligations to maintain appropriate policies, procedures, and controls to detect, prevent, and report money laundering and terrorist financing. In particular, the Bank Secrecy Act, as amended by Title III of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act), requires financial institutions operating in the United States to, among other things, (a) give special attention to correspondent and payable-through bank accounts; (b) implement enhanced due diligence and &#8220;know your customer&#8221; standards for private banking and correspondent banking relationships; (c) scrutinize the beneficial ownership and activity of certain non-U.S., private banking and other high-risk customers (e.g., so-called politically exposed persons); and (d) develop and maintain anti-money laundering programs, customer identification procedures, and due diligence policies and controls to ensure the detection and reporting of money laundering and terrorist financing. Anti-money laundering compliance programs supplement compliance programs designed to comply with economic sanctions administered by the United States Department of the Treasury&#8217;s Office of Foreign Assets Control. Failure of a financial institution to maintain and implement adequate anti-money laundering and sanctions compliance programs could have serious legal and reputational consequences for the institution.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Other Regulated U.S. Entities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s direct U.S. broker-dealer subsidiary, BBVA Securities Inc. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BSI</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), is subject to regulation and supervision by the Securities and Exchange Commission (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SEC</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the Financial Industry Regulatory Authority (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FINRA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) with respect to its securities activities, as well as various U.S. state regulatory authorities. In addition, the securities underwriting and dealing activities of BSI are subject to regulation and supervision by the Federal Reserve.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The activities of BBVA&#8217;s U.S. investment adviser affiliates are regulated and supervised by the SEC.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s U.S. insurance agency affiliate is subject to regulation and supervision by various U.S. state insurance regulatory authorities.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">55</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_124"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Disclosure of Iranian Activities under Section 13(r) of the Exchange Act</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group discloses the following information pursuant to Section 13(r) of the Exchange Act, which requires an issuer to disclose whether it or any of its affiliates knowingly engaged in certain activities, transactions or dealings relating to Iran or with natural persons or entities designated by the U.S. government under specified executive orders, including activities not prohibited by U.S. law and conducted outside the United States by non-U.S. affiliates in compliance with local law. In order to comply with this requirement, the Company has requested relevant information from its affiliates globally.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group has the following activities, transactions and dealings with Iran requiring disclosure:</span></div><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Iranian embassy-related activity</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. On a continuing basis, Banco Bilbao Vizcaya Argentaria, S.A. maintains a bank account in Spain for one employee of the Iranian embassy in Spain. This employee is a Spanish citizen. BBVA Mexico opened an account for the Iranian embassy in Mexico in March 2022, which was closed in May 2022. Estimated gross revenues for the year ended December 31, 2022, from embassy-related activity, which include fees and/or commissions, totaled $62.54 ($59.31 for Spain and $3.24 for Mexico). The BBVA Group does not allocate direct costs to fees and commissions and therefore has not disclosed a separate profit measure.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_127"></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.   Organizational Structure</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For information on the composition of the BBVA Group as of December 31, 2022, see Note 1.1 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The companies comprising the BBVA Group are principally domiciled in the following countries: Argentina, Belgium, Chile, Colombia, France, Germany, Italy, Mexico, Netherlands, Peru, Portugal, Romania, Spain, Switzerland, Turkey, United Kingdom, the United States of America and Uruguay. In addition, BBVA has an active presence in Asia. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Below is a simplified organizational chart of BBVA&#8217;s most significant subsidiaries as of December 31, 2022.</span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:44.508%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.691%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.689%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Subsidiary</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Country of Incorporation</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">BBVA Voting Power</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">BBVA Ownership</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Assets (1)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Percentages)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">125,080</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">GARANTI BBVA (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">85.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">85.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55,725</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA PERU</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">PERU</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92.24 (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">46.12</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,866</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA COLOMBIA S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">COLOMBIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">95.47</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">95.47</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17,548</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA SEGUROS S.A. DE SEGUROS Y REASEGUROS</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Insurance</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">99.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">99.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14,663</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BANCO BBVA ARGENTINA S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66.55</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66.55</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,095</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA SEGUROS M&#201;XICO, S.A. DE C.V., GRUPO FINANCIERO BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Insurance</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,253</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA PENSIONES MEXICO, S.A. DE C.V., GRUPO FINANCIERO BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Insurance</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,192</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">GARANTIBANK BBVA INTERNATIONAL N.V. (2) (4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">THE NETHERLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">85.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,078</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA URUGUAY S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">URUGUAY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bank</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,800</span></td></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Information for non-EU subsidiaries has been calculated using the prevailing exchange rates on December 31, 2022.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">On May 18, 2022, BBVA closed its voluntary takeover bid for the entire share capital of Garanti BBVA, which resulted in BBVA increasing its stake in Garanti BBVA from 49.85% to 85.97%. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Voluntary Takeover Bid for the Entire Share Capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Subject to certain exceptions.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">BBVA owns 85.97% of Garanti BBVA, which in turn owns 100% of GarantiBank International N.V. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">56</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_130"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D. Property, Plants and Equipment</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We own or rent a substantial network of properties in Spain and abroad, including 1,886 branch offices in Spain and, principally through our various subsidiaries, 4,154 branch offices abroad as of December 31, 2022 (1,895 and 4,188, respectively, as of December 31, 2021). As of December 31, 2022, approximately 47% of our branches in Spain and 71% of our branches abroad were rented from third parties pursuant to leases that may be renewed by mutual agreement (69% and 72%, respectively, as of December 31, 2021). Year-on-year changes relate mainly to the closing of 480 branches (mostly rented) following the completion of the collective layoff procedure in Spain and the acquisition of Tree Inversiones Inmobiliarias, SOCIMI, S.A., which resulted in the acquisition of 662 branches which were previously rented by the Group. For additional information on property, plants and equipment, see Note 17 to our Consolidated Financial Statements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_133"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">E. Selected Statistical Information</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a presentation of selected statistical information for the periods indicated. Where required under subpart 1400 of Regulation S-K, we have provided such selected statistical information separately for our domestic and foreign activities, pursuant to our determination, where applicable, that our foreign operations are significant according to Rule 9-05 of Regulation S-X. The allocation of assets and liabilities is based on the domicile of the Group entity at which the relevant asset or liability is accounted for. Domestic balances are those of Group entities domiciled in Spain, which reflect our domestic activities, and international balances are those of the Group entities domiciled outside of Spain, which reflect our foreign activities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest income figures, when used, do not include interest income on non-accruing loans to the extent that cash payments have been received, as a result of the application of the interpretation issued by the IFRIC in its &#8220;IFRIC Update&#8221; of March 2019 regarding the collection of interest on impaired financial assets under IFRS 9 (Collection of interest on impaired financial assets). Loan fees are included in the computation of interest revenue. Interest income figures include &#8220;other income&#8221;, which amounted to &#8364;501 million, &#8364;686 million and &#8364;542 million for the years ended December 31, 2022, 2021 and 2020, respectively. For additional information on &#8220;interest and other income&#8221; see Note 37.1 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Year-on-year variations in the selected statistical information presented herein have been affected by the USA Sale, mainly as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Average data</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. As indicated in &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Statistical and Financial Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and further below, average balance sheet information is based on the beginning and month-end balances in the relevant year. The assets and liabilities of the companies included within the scope of the USA Sale were reclassified to &#8220;Non-current assets and disposal groups classified as held for sale&#8221; and &#8220;Liabilities included in disposal groups classified as held for sale&#8221;, respectively, upon the signing of the relevant share purchase agreement, which occurred on November 15, 2020. However, in order to present annual average data on a comparable basis, the beginning and month-end balances of the companies included within the scope of the USA Sale were not considered to calculate the average balances of all balance sheet items provided in this section for each of the years ended December 31, 2021 and 2020, and were included instead in the calculations of the average balances of &#8220;Non interest earning assets&#8221; and &#8220;Non interest bearing liabilities&#8221;, as applicable, until the completion of the USA Sale on June 1, 2021. The same approach was followed to calculate the respective &#8220;Interest&#8221; and &#8220;Average Yield&#8221; of balance sheet items. In particular, tables included under &#8220;&#8212;Average Balances and Rates&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Changes in Net Interest Income-Volume and Rate Analysis</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Interest Earning Assets&#8212;Margin and Spread</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; were prepared on this basis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Year-end data</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. All assets and liabilities of the companies included within the scope of the USA Sale were reclassified to &#8220;Non-current assets and disposal groups classified as held for sale&#8221; and &#8220;Liabilities included in disposal groups classified as held for sale&#8221;, respectively, in the consolidated balance sheet as of December 31, 2020. Accordingly, loans and advances and deposits as of such date (among other balance sheet information provided in this section as of such date) do not include the respective amounts of companies included within the scope of the USA Sale. The USA Sale was completed on June 1, 2021 and, therefore, BBVA no longer consolidated the related assets and liabilities as of December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Average Balances and Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The tables below set forth selected statistical information on our average balance sheets, which are based on the beginning and month-end balances in each year. We do not believe that monthly averages present trends materially different from those that would be presented by daily averages. We have not recalculated tax-exempt income on a tax-equivalent basis because the effect of doing so would not be significant.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">57</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.562%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance Sheet - Assets and Interest from Interest Earning Assets</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2022</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2021</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Yield</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Yield</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Yield </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros, Except Percentages)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Assets (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">701,709</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">31,432</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.48</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">678,563</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">23,015</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.39</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">727,014</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">22,389</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.08</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Interest-earning assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">647,039</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">31,432</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">4.86</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">583,660</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">23,015</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">3.94</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">586,702</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">22,389</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">3.82</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Cash and balances with central banks and other demand deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70,719</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">362</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.51&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">52,475</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">41</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.08&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">45,889</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">46</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">41,286</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">191</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.46&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">27,041</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">25,702</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">29,432</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">171</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.58&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">25,434</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">41</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.16&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">20,187</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">45</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">68,297</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,777</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.07&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60,046</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,534</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.56&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,893</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,500</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.55&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">52,114</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">507</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.97&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">44,710</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">129</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.29&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">42,803</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">166</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.39&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">16,182</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,270</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">14.03&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,336</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,406</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9.17&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">16,090</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,334</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.29&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">61,248</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,316</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.41&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">69,167</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,263</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.27&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60,605</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,827</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.01&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">38,994</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">682</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.75&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">50,280</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">602</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.20&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">44,479</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">668</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.50&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">22,254</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,634</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11.84&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">18,887</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,661</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.80&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">16,126</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,159</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7.19&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">404,265</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,160</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.98&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">366,751</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18,328</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">373,098</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18,263</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.89&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">203,360</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,732</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.84&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">196,847</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,063</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.56&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">198,874</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,358</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.69&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">200,905</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">20,428</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10.17&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">169,904</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,265</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.98&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">174,224</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">14,905</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.55&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Debt securities  </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,953</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">719</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.84&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,615</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">704</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.98&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34,810</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">740</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">21,990</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">239</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">22,240</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">171</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.77&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">22,380</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">232</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.04&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">16,963</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">480</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.83&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13,375</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">534</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.99&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,430</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">507</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.08&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">365,311</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,441</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.42&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">331,136</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17,623</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">338,288</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17,523</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,601</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">372</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.64&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,541</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">462</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,734</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">161</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.40&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">132</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.06&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.71&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,517</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">372</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6.74&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,409</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">462</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.55&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">161</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.40&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13,977</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">801</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.73&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">359</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.88&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">273</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.85&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,350</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">130</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.76&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,276</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,676</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.15&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,627</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">671</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,184</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">347</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5.62&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,077</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">261</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.69&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Government</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,526</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">805</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.92&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,360</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">491</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21,190</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">548</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.59&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">147</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.21&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,408</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">123</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13,063</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">161</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.23&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,426</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">659</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7.82&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,952</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">367</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5.28&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,127</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">387</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.77&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,093</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">453</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.75&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,466</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">288</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.05&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">276</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.76&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,929</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">109</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.84&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,488</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">35</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.78&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,650</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">48</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.04&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,164</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">344</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5.58&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,978</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">253</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">228</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.24&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Individuals</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">155,646</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,222</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.21&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">147,271</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,153</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">147,309</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,215</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.26&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">93,660</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,868</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.99&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">93,585</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,667</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.78&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">93,972</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,812</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.93&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71,354</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">817</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">73,806</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">642</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.87&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">74,645</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">772</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.03&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,306</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,051</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.71&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,779</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,327</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,040</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.38&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">61,987</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9,354</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">53,686</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,486</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13.94&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">53,337</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,402</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13.88&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,733</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,865</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.20&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,990</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,730</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.66&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18,340</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,640</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.94&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39,253</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,489</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.08&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33,696</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,755</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.08&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34,996</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,762</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.47&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">157,467</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,788</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">137,038</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,870</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.01&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">140,282</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,050</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.03&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">62,247</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,240</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.99&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">57,719</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,055</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.83&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">57,123</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,092</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.91&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">95,221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,549</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.98&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">79,319</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,815</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7.33&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">83,159</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,958</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7.16&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Derivatives and other financial assets (2)  </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,512</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">817</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.92&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">848</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.41&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">48,216</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">754</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.56&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">31,434</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">304</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.97&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">27,055</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">516</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.91&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">38,789</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">484</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.25&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11,077</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">513</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.63&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,166</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">332</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.06&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9,427</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">270</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.86&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Non interest earning assets (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">54,669</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">94,902</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">140,312</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Foreign activity represented 43.17% of the total average assets for the year ended December 31, 2022, 43.57% for the year ended December 31, 2021 and 47.25% for the year ended December 31, 2020.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Derivatives - Hedge accounting&#8221;, &#8220;Derivatives - Held for trading&#8221; and &#8220;Financial assets designated at fair value through profit or loss&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Insurance and reinsurance assets&#8221;, &#8220;Joint ventures and associates&#8221;, &#8220;Tangible assets&#8221;, &#8220;Intangible assets&#8221;, &#8220;Tax assets&#8221;, &#8220;Non-current assets and disposal groups held for sale&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; and &#8220;Other assets&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">58</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:5pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.175%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.761%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance Sheet - Liabilities and Interest Paid on Interest Bearing Liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2022</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2021</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Rate Paid</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Rate Paid</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Rate Paid</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros, Except Percentages)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total liabilities (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">701,709</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">12,279</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.75</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">678,563</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8,329</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.23</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">727,014</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,797</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.07</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Interest-bearing liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">622,151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">12,279</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">1.97</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">567,132</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">8,329</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">1.47</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">572,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">7,797</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">1.36</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial liabilities held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">56,397</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,027</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.82&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">48,615</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">439</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.90&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51,873</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">576</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.11&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">43,096</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">314</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.73&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">36,675</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">50</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">40,675</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">90</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13,301</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">714</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5.37&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11,940</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">389</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.26&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11,199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">486</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.34&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">503,765</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,328</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.85&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">464,675</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,785</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.24&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">454,516</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,929</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.30&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">307,964</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,595</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.52&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">294,410</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">858</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.29&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">285,476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,098</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.38&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">195,801</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,733</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.95&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">170,265</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,926</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.89&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">169,040</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,831</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.86&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Debt certificates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">54,687</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,473</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.69&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55,963</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,194</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.13&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">61,834</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,448</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.34&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">39,005</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">728</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.87&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">40,525</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">565</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.40&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">43,978</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">671</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,682</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">745</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.75&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,438</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">629</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.07&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">17,856</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">777</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4.35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">449,078</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,854</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.75&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">408,712</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,590</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">392,681</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,481</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49,586</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">417</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.84&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49,262</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">69</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39,542</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">106</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.27&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">42,239</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">140</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.33&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">40,915</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.02&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">34,014</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">30</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,347</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">277</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.77&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,347</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">59</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.71&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,528</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">76</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.37&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25,701</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,352</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.26&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,539</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">703</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27,288</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">837</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.07&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">17,479</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">274</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.57&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">19</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">18,565</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">63</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.34&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,222</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,078</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,318</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">684</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9.35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">774</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.87&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Government</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,830</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,296</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.68&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18,106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">621</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.43&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17,013</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">541</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,068</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">17</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10,022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.02&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,387</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.03&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10,762</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,279</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11.89&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,084</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">619</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7.65&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9,626</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">539</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5.60&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,435</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">543</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.66&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,740</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">287</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.45&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,569</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">312</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.52&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">216</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.76&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,115</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">125</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.03&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,377</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">167</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,214</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">328</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.99&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,625</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">162</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.13&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,192</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">145</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.77&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Individuals</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">226,055</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,009</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.89&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">207,828</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,704</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.82&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">198,350</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,350</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.68&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">144,168</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">132</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">137,554</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">129</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">131,585</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">150</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.11&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">81,887</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,877</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.29&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">70,274</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,575</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.24&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">66,766</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,200</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.80&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">104,471</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,237</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">91,237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,207</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">89,918</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,335</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.49&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">40,784</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">89</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">38,058</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.02&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">37,570</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.04&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">63,687</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,148</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3.37&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">53,180</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,198</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.25&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">52,348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,321</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2.52&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Provisions </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,046</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">116</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.81&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,958</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.80&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,310</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">82</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.91&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,908</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">56</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1.94&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,780</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">20</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,095</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">27</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.67&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">60</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">43.18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">178</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">51</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">28.62&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">215</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">55</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">25.58&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Derivatives and other financial liabilities (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,942</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,808</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.07&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49,884</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,034</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.08&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">61,394</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,209</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.97&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">38,023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">122</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">34,571</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">110</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">45,305</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">224</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">0.49&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">20,919</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,686</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.06&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,313</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,924</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12.56&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">16,088</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">985</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6.12&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Non-interest bearing liabilities and Equity (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">79,558</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">111,431</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">154,922</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8212;</span></td></tr></table></div><div style="padding-left:17.01pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Foreign activity represented 37.44% of the total average liabilities for the year ended December 31, 2022, 37.94% for the year ended December 31, 2021 and 41.03% for the year ended December 31, 2020.</span></div><div style="padding-left:17.01pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Insurance and reinsurance liabilities&#8221;, &#8220;Derivatives - Hedge accounting&#8221;, &#8220;Financial liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair value through profit or loss&#8221;.</span></div><div style="padding-left:17.01pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Tax liabilities&#8221;, &#8220;Liabilities included in disposal groups classified as held for sale&#8221; and &#8220;Other liabilities&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Changes in Net Interest Income-Volume and Rate Analysis</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables allocate changes in our net interest income between changes in volume and changes in rate for the year ended December 31, 2022 compared with the year ended December 31, 2021, and the year ended December 31, 2021 compared with the year ended December 31, 2020. Volume and rate variance have been calculated based on movements in average balances over the period and changes in interest rates on average interest-earning assets and average interest-bearing liabilities. The only out-of-period items and adjustments excluded from such table are interest payments on loans which are made in a period other than the period in which they are due.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">59</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022 / 2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Increase (Decrease) Due to Changes in</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Volume (1)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rate  (2)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net Change</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Cash and balances with central banks and other demand deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">307</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">321</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">191</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">191</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">131</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">211</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,032</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,243</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">357</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">378</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">78</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">787</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">864</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(259)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,311</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,052</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(135)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">214</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">79</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">296</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">677</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">973</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets at amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,875</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,958</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,832</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">101</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">567</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">669</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,378</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,163</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Debt securities  </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(52)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">70</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">68</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">143</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(197)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(54)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,819</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,999</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,818</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(96)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(91)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(100)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(91)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">398</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">442</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">116</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">118</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">299</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">323</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Government</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">285</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">315</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">78</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">214</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">292</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">165</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">63</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">74</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">60</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">91</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Individuals</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">521</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,548</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,069</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">201</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(21)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">196</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">174</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,157</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">711</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,868</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(103)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">135</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">920</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">814</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,734</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,895</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,919</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">83</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">102</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">185</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,166</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,734</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Derivatives and other financial assets  </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(206)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(31)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(296)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(212)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">63</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">181</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,633</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8,418</span></td></tr></table></div><div style="margin-top:10pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The volume effect is calculated as the result of the average interest rate of the earlier period multiplied by the difference between the average balances of both periods.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The rate effect is calculated as the result of the average balance of the earlier period multiplied by the difference between the average interest rates of both periods.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">60</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022 / 2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Increase (Decrease) Due to Changes in</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Volume (1)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rate  (2)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net Change</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial liabilities held for trading</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">519</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">589</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">255</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">264</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">281</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">325</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">487</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,056</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,543</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">697</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">736</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">739</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,068</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,807</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Debt certificates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(27)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">306</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">279</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(21)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">184</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">163</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">116</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">453</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,811</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,264</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">348</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">130</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">130</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(7)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">225</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">218</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">99</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">551</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">649</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">252</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">255</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">85</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">309</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">394</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Government</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">162</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">513</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">675</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">205</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">456</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">661</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">246</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">256</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">90</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">91</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">153</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">166</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Individuals</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">149</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">156</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">305</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">260</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">303</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">175</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">855</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,030</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">80</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">713</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">950</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Provisions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(16)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">61</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">45</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(5)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">36</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Derivatives and other financial liabilities (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">369</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(596)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(226)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">704</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(942)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(238)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">284</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,666</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,950</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,467</span></td></tr></table></div><div style="margin-top:10pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The volume effect is calculated as the result of the average interest rate of the earlier period multiplied by the difference between the average balances of both periods.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The rate effect is calculated as the result of the average balance of the earlier period multiplied by the difference between the average interest rates of both periods.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Insurance and reinsurance liabilities&#8221;, &#8220;Derivatives - Hedge accounting&#8221;, &#8220;Financial liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair value through profit or loss&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">61</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="padding-left:17.86pt;text-align:justify;text-indent:-17.86pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021 / 2020</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Increase (Decrease) Due to Changes in</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Volume (1)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rate  (2)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net Change</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Cash and balances with central banks and other demand deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(16)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(45)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(38)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(63)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">135</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">72</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">258</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">178</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">436</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(153)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(66)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">198</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">304</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">502</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(311)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">376</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">65</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(34)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(260)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(295)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(370)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">730</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">360</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Debt securities  </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(52)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(35)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(60)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(62)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(12)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">26</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(370)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">471</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">100</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">274</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">302</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">278</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">302</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(42)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">86</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(33)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">119</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">86</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Government</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(47)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(10)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(57)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(29)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(37)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(56)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(20)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(12)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(13)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">26</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Individuals</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(59)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(62)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(7)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(138)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(145)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(9)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(121)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(130)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(15)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">48</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">83</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">148</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(493)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(346)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(99)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">528</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">429</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(163)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(18)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(181)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(49)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(37)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(275)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">132</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(143)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Derivatives and other financial assets  </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(203)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">297</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">94</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(146)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">179</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(36)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">98</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">62</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,492)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">626</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The volume effect is calculated as the result of the average interest rate of the earlier period multiplied by the difference between the average balances of both periods.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The rate effect is calculated as the result of the average balance of the earlier period multiplied by the difference between the average interest rates of both periods.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">62</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021 / 2020</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Increase (Decrease) Due to Changes in</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Volume (1)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rate  (2)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net Change</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial liabilities held for trading</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(36)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(102)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(138)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(9)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(32)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(41)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(129)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(97)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">133</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(277)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(144)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">34</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(273)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(239)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">60</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">95</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Debt certificates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(137)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(116)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(253)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(53)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(53)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(106)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(105)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(42)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(148)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">183</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(74)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">109</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(63)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(37)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(26)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(20)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(56)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(17)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(146)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(134)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(33)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(44)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(125)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(90)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Government</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">80</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(86)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">166</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">80</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(25)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(39)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(42)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(10)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">17</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Individuals</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">290</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">354</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(28)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(21)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">63</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">312</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">375</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(148)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(129)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(144)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(123)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Provisions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(5)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(9)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Derivatives and other financial liabilities (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(227)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,051</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">825</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(53)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(61)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(114)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(47)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">986</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">939</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(520)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,051</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">532</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">94</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The volume effect is calculated as the result of the average interest rate of the earlier period multiplied by the difference between the average balances of both periods.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The rate effect is calculated as the result of the average balance of the earlier period multiplied by the difference between the average interest rates of both periods.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Insurance and reinsurance liabilities&#8221;, &#8220;Derivatives - Hedge accounting&#8221;, &#8220;Financial liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair value through profit or loss&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">63</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Interest Earning Assets&#8212;Margin and Spread </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table analyzes the levels of our average interest earning assets and illustrates the comparative gross and net yields and spread obtained for each of the years indicated.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros, Except Percentages)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Average interest earning assets</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">647,039</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">583,660</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">586,702</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gross yield (1) </span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.9%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.9%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.8%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net yield (2) </span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.0%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.5%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.5%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Average effective rate paid on interest-bearing liabilities </span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.0%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.5%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.4%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Spread (3) </span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.9%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.5%</span></td><td colspan="3" style="padding:2px 19pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.5%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Gross yield&#8221; represents interest income divided by average interest-earning assets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net yield&#8221; represents net interest income divided by average interest-earning assets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Spread&#8221; is the difference between &#8220;Gross yield&#8221; and the &#8220;Average effective rate paid on interest-bearing liabilities&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">64</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_136"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ASSETS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See the introduction to &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Selected Statistical Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on the impact of the USA Sale on the information reported below.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_139"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Interest-Bearing Deposits in Other Banks</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, interbank deposits (excluding deposits with central banks) represented 5.8% of our total assets. Of such interbank deposits, 19.2% were held outside of Spain and 80.8% in Spain. We believe that our deposits are generally placed with highly rated banks and have a lower risk than many loans we could make in Spain. However, such deposits are subject to the risk that the deposit banks may fail or the banking system of certain of the countries in which a portion of our deposits are made may face liquidity or other problems.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_142"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Securities Portfolio</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, our total securities portfolio (consisting of investment securities and loans and advances) was carried on our consolidated balance sheet at a carrying amount (equivalent to its market or appraised value as of such date) of &#8364;129,743 million, representing 18.2% of our total assets. &#8364;21,983 million, or 16.9%, of our securities portfolio consisted of Spanish Treasury bonds and Treasury bills. The average yield during 2022 on the investment securities that BBVA held was 6.2%, compared with an average yield of approximately 1.2% earned on loans and advances in the portfolios &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; and &#8220;Financial assets designated at fair value through profit or loss&#8221; during 2022. See Notes 10 and 13 to our Consolidated Financial Statements for additional information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first table in Note 13.3 to our Consolidated Financial Statements sets forth the fair value and the amortized cost of our debt securities recorded under &#8220;Financial assets at fair value through other comprehensive income&#8221; as of December 31, 2022, 2021 and 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 14.2 to our Consolidated Financial Statements sets forth the fair value and the amortized cost of our debt securities recorded under &#8220;Financial assets at amortized cost&#8221; as of December 31, 2022, 2021 and 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This information is not provided for debt securities recorded under &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; and &#8220;Financial assets designated at fair value through profit or loss&#8221; since the amortized costs and fair values of these items are the same. See Note 8 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The second table in Note 13.3 to our Consolidated Financial Statements shows the fair value of debt securities recorded, as of December 31, 2022, 2021 and 2020, under &#8220;Financial assets at fair value through other comprehensive income&#8221; by rating categories defined by external rating agencies. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The second table in Note 14.2 to our Consolidated Financial Statements shows the fair value of debt securities recorded, as of December 31, 2022, 2021 and 2020, under &#8220;Financial assets at amortized cost&#8221;, by rating categories defined by external rating agencies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Readers are directed to the tables and Notes referred to above for information regarding our securities portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For a discussion of our investments in joint ventures and associates, see Note 16 to our Consolidated Financial Statements. For a discussion of the manner in which we value our securities, see Notes 2.2.1 and 8 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table analyzes the maturities of our debt securities recorded under &#8220;Financial assets at fair value through other comprehensive income&#8221; and &#8220;Financial assets at amortized cost&#8221;, by type and geographical area, as of December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">65</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:32.336%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.304%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maturity at One Year or Less</span></td><td colspan="6" style="border-left:3pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maturity After One Year to Five Years</span></td><td colspan="6" style="border-left:3pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maturity after Five Years to Ten Years</span></td><td colspan="6" style="border-left:3pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maturity after Ten Years</span></td><td colspan="3" style="border-left:3pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Yield % (1)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:3pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Yield % (1) </span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:3pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Yield % (1) </span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:3pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Yield % (1) </span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:3pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of Euros, Except Percentages)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">DEBT SECURITIES</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME PORTFOLIO</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spanish government and other government agencies debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,738</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,880</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.91</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,710</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.06</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,101</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.48</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,429</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">229</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.90</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">969</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.72</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.67</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,350</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Domestic</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,967</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.22</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,850</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.72</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,792</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.06</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,170</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.49</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,779</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.95</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,910</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">919</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">389</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,810</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexican government and other government agency debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,558</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.93</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,468</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">875</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">377</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.88</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,278</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.91</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">442</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.90</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.92</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.48</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">532</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,433</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.43</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,778</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.75</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,681</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.34</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">U.S. Treasury and other government agencies debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,223</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.55</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.75</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,256</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,716</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.77</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,541</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.75</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">424</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,304</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">946</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,767</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,115</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26.37</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,858</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey government and other government agencies debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">946</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,767</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,115</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26.37</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,858</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other countries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,527</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26.24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,480</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,343</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">938</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.59</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,288</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities of other foreign governments (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,097</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,066</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,433</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.58</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">642</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.47</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,238</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities of other countries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,429</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36.78</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,414</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">910</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.83</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,050</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,498</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19.89</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,934</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.04</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,058</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.57</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,486</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.50</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,977</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME PORTFOLIO</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,465</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13.95</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,784</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.85</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,850</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.52</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,656</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.49</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57,755</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">AT AMORTIZED COST PORTFOLIO</span></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spanish government and other government agencies debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,458</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,858</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,264</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.52</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,817</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.79</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,397</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Domestic</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.40</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,964</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.39</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,264</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.52</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,853</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.80</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,541</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.06</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,646</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.77</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">765</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.88</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,999</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.98</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,743</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexican government and other government agency debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">317</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.82</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">537</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.64</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.89</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,806</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">229</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">523</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">937</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.02</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,214</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,412</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">U.S. Treasury and other government agencies debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.02</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,159</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.94</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">504</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.66</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,031</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">796</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32.76</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,332</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey government and other government agencies debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">497</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,031</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">796</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32.76</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,325</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18.10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other countries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,271</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,473</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.72</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,641</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,578</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities of other foreign governments (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">496</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,749</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,308</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">148</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,701</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities of other countries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">775</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.34</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,877</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,116</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.85</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,364</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.23</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,203</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.37</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,382</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.91</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25,065</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL AT AMORTIZED COST PORTFOLIO</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,576</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.46</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,328</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.48</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,467</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.87</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,236</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.43</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,606</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL DEBT SECURITIES</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,041</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.67</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,112</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.68</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,317</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.65</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,892</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.69</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">101,362</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The weighted average yield for each range of maturity is calculated by dividing the annual interest income by the book value of the debt securities. Yields on tax-exempts obligations have not been computed on a tax-equivalent basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Securities of other foreign governments mainly include investments made by our subsidiaries in securities issued by the governments of the countries where they operate.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">66</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_145"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans and Advances</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Diversification in our loan portfolio is our principal means of reducing the risk of loan losses. We also carefully monitor our loans to borrowers in sectors or countries experiencing liquidity problems. Our exposure to our five largest borrowers as of December 31, 2022 excluding government-related loans amounted to &#8364;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">7,433</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">million or approximately 2.0% of our total outstanding loans and advances to customers.</span></div><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the year ended December 31, 2022, the Group&#8217;s loan activity has been affected by geopolitical and other challenges and uncertainties globally. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 5. Operating and Financial Review and Prospects&#8213;Operating Results&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Macroeconomic and geopolitical conditions</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 7.2 to our Consolidated Financial Statements for information on the impact of these challenges and uncertainties on our financial condition and results of operations.</span></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and Advances to Customers</span></div><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, our total loans and advances to customers amounted to &#8364;384,637 million, or 53.9% of total assets. Net of our loss allowances, total loans and advances to customers amounted to &#8364;373,400 million as of December 31, 2022, or 52.4% of our total assets, an increase fro</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">m 50.5% </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">of our total assets as of December 31, 2021. As of December 31, 2022 our total loans and advances to customers in Spain amounted to &#8364;170,315 million. Our total loans and advances to customers outside Spain amounted to &#8364;214,321 million as of December 31, 2022, up from &#8364;176,509 million as of December 31, 2021, mainly as a result of a higher volume of corporate loans (given the commercial efforts to gain and retain customers) and retail loans (credit cards loans, consumer loans and SMEs) in Mexico, and increases in loans to enterprises and credit card loans denominated in Turkish lira.</span></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans by Geographical Area</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table shows our loans and advances to customers by geographical area as of the dates indicated:</span></div><div style="margin-bottom:3pt;margin-top:8pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Domestic </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">170,315</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">169,625</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">166,905</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Western Europe</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37,112</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,504</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27,531</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">75,294</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,757</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">54,663</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,725</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30,058</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,748</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44,107</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39,518</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37,192</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,084</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,672</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,819</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">214,321</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">176,509</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">168,953</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total loans and advances (2)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">384,637</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">346,134</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">335,858</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loss allowances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11,237)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11,116)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(12,105)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total net lending (2)</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">373,400</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">335,018</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">323,753</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Balances correspond mainly to the entities in the United States that were not included within the scope of the USA Sale.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes loans and advances to customers included in the following headings: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets at amortized cost&#8221;, net of loss allowances.</span></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and Advances to Credit Institutions and Central Banks</span></div><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, our total loans and advances to credit institutions and central banks amounted to &#8364;47,321 million, or 6.6% of total assets, of which total net loans and advances to credit institutions and central banks at amortized cost amounted to &#8364;20,431 million, or 2.9% of total assets.</span></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and Advances to Spanish Government and its Agencies</span></div><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans and advances outstanding to the Spanish government and its agencies amounted to &#8364;11,500 million, or 3.1% of our total loans and advances to customers as of December 31, 2022, compared with &#8364;11,904 million, or 3.6% of our total loans and advances to customers as of December 31, 2021. None of our loans to companies controlled by the Spanish government are guaranteed by the government and, accordingly, we apply normal credit criteria in extending credit to such entities. Moreover, we carefully monitor such loans because governmental policies necessarily affect such borrowers.</span></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans to Associates and Jointly Controlled Companies</span></div><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, total loans and advances by BBVA and its subsidiaries to associates and jointly controlled companies amounted to &#8364;1,842 million, compared with &#8364;2,031 million as of December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">67</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_148"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Maturity and Interest Sensitivity </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth a breakdown by maturity of our total loans and advances to customers, including their fixed and variable rates, by type of customer as of December 31, 2022. The determination of maturities is based on contract terms.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:34.868%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.050%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Maturity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Maturity After One Year</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Due In One Year or Less</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Due After One Year Through Five Years</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Due After Five Years Through Fifteen Years</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Due After Fifteen Years</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Fixed Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Variable Rate</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">502</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">637</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">253</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,432</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">709</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">221</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Manufacturing, mining and quarrying, and other industrial activities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">8,138</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,051</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,598</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">612</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">17,399</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">5,604</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,657</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Of which: manufacturing</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">6,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">5,265</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,030</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">499</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">13,456</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">4,806</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,988</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,816</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,081</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">340</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4,881</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,130</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,108</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Wholesale and retail trade, transportation and storage, accommodation and food service activities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,690</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">8,577</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,595</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">651</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">19,513</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,624</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4,199</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Information and communication</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,070</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">666</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">98</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">79</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,913</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">331</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">512</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Financial and insurance activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,107</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,926</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">440</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">332</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">6,804</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,738</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,960</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Real estate activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">628</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,882</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,654</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">108</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4,272</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,736</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,908</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Professional, scientific, technical, administrative and support service activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,455</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,061</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">515</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4,156</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,627</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,074</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Public administration and defense, education, human health and social work activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,099</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">6,268</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,201</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">69</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">12,637</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">5,983</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,555</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Other service activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">12,372</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">24,362</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">34,213</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">24,791</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">95,738</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">32,912</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">50,454</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Of which: </span></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 25pt 0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">12,045</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">23,818</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">34,044</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">24,762</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">94,669</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">32,399</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">50,225</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">For House Purchase</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">4,034</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">14,081</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">29,416</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">24,315</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">71,847</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">19,063</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">48,750</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Credit for consumption</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">5,075</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">7,035</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">3,254</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">60</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">15,425</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">10,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">229</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,935</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,702</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,374</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">386</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">7,397</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">3,215</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,247</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Total Domestic</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">39,703</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">56,245</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">45,648</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">27,148</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">168,745</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">59,394</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">69,647</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,710</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">857</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">475</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,043</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">952</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">381</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Manufacturing, mining and quarrying, and other industrial activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">27,130</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">15,945</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">5,267</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">67</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">48,409</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">5,264</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">16,015</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Of which: manufacturing</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">18,955</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">9,439</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,712</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">31,127</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">4,087</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">8,085</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,722</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">991</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">667</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">88</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,468</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">448</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,299</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Wholesale and retail trade, transportation and storage, accommodation and food service activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">14,603</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">10,830</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">5,035</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">48</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">30,516</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,791</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">8,122</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Information and communication</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,913</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,369</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">263</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">5,584</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">736</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,935</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Financial and insurance activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">8,854</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,399</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,099</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">13,444</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,511</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,078</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Real estate activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,868</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,829</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,376</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,077</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,535</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,674</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Professional, scientific, technical, administrative and support service activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,755</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,697</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">360</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">3,813</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">894</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,164</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Public administration and defense, education, human health and social work activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,360</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,239</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,608</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">11,217</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">2,238</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">7,618</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Other service activities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">17,285</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">28,320</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">23,964</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4,375</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">73,944</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">46,506</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">10,153</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Of which: </span></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 25pt 0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">13,943</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">27,806</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">23,753</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">4,359</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">69,861</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">46,186</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">9,733</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">For House Purchase</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">212</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,437</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">19,006</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">4,214</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">24,869</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">22,928</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,729</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Credit for consumption</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">10,395</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">23,771</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">4,410</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">68</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">38,645</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">21,021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">7,229</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">3,336</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,598</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">337</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">77</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">6,348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,236</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">775</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Total Foreign</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">79,201</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">69,475</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">47,114</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">4,725</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">200,515</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">67,874</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">53,440</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Total loans and advances (1)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">118,904</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">125,721</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">92,763</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">31,872</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">369,260</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">127,269</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">123,087</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes loans and advances to customers included in &#8220;Financial assets at amortized cost&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">68</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_151"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loss allowances on Loans and Advances</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding the ratios of allowances for credit losses to total loans and net charge-offs to average loans for the periods indicated, in each case. For a discussion of accounting standards related to loss allowances on financial assets, see Note 2.2.1 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:49.439%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.389%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of and for the year ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Allowance for credit losses to total loans and advances at amortized cost outstanding</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.90</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.19</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.53</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Allowance for credit losses</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,291</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,142</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,141</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,006</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,362</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,648</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,136</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6,779</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Total loans outstanding</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">389,745</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">349,037</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">344,072</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">186,642</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">182,822</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">181,029</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">203,103</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">166,215</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">163,043</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net loan charge-offs as a percentage of average loans and advances at amortized cost during the period</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Domestic (1) </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.26</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.41</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.33</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.30&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.69&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.60&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Net charge-offs during the period</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">264</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">525</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">468</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Average loans outstanding</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">87,524</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">76,028</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">77,575</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Individuals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.30&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.31&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.20&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Net charge-offs during the period</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">288</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">299</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">193</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Average loans outstanding</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">95,429</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">95,540</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">96,113</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.01&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.01&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.02&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.20</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.66</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.65</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.56&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.96&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Net charge-offs during the period</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">389</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">586</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">627</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Average loans outstanding</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">69,943</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">61,010</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">62,708</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Individuals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.36&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.08&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Net charge-offs during the period</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,424</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,594</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,589</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Average loans outstanding</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">60,217</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">51,730</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">51,196</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total loan charge-offs as a percentage of average loans and advances at amortized cost during the period</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.65</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.91</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.85</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Net charge-offs during the period</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">2,369</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">3,008</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">2,881</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Average total loans and advances at amortized cost outstanding</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">365,311</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">331,136</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">338,288</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Domestic loans charged off in 2022, 2021 and 2020 were mainly related to the real estate sector. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the recovery of any recognized amount is considered to be remote, this amount is removed from the consolidated balance sheet, without prejudice to any actions taken by the consolidated entities in order to collect the amount until their rights extinguish in full through expiry, forgiveness or for other reasons. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our total net charge-offs to average loans at amortized cost ratio amounted to 0.65% million for the year ended December 31, 2022, compared with 0.91% for the year ended December 31, 2021, mainly as a result of decreases in charge-offs in Mexico, and to a lesser extent, Spain and Turkey. The decrease was partially offset by a slight increase in charge-offs in South America.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The following factors, set out by region, were the main contributors to the decrease in the total net charge-offs to average loans ratio:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Mexico: there was a decrease in the ratio mainly due to higher recoveries from the wholesale portfolio and increases in average outstanding loans to individuals (corporate loans and retail loans). The year 2021 was affected by a change in policy with respect to charge-offs in the SME portfolio, whereby the period for an asset to be charged-off was reduced, which impacted, to a large extent, the ratio since the third quarter of 2021. In addition, higher charge-offs took place in 2021 as a result of the expiration of the vast majority of the payment deferrals adopted in connection with the COVID-19 pandemic.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">69</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Spain: there was a decrease in the ratio mainly due to higher recoveries, limited additions to the Stage 3 assets category and increased lending activity, in particular, SMEs loans and consumer loans (including credit cards loans). During 2021, there was a significant transfer of assets which recovery was considered to be remote, to charge-offs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Turkey: there was a decrease in the ratio mainly due to higher recoveries and increased activity, in particular, loans to enterprises and credit card loans in Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in the total net charge-offs to average loans ratio was partially offset by:</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">South America: there was a slight increase in the ratio, due to an increase in charge-offs in the non-financial corporations portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our allowance for credit losses to total loans and advances at amortized cost decreased to 2.90% as of December 31, 2022 compared with 3.19% as of December 31, 2021, mainly as a result of the increase in total loans outstanding, in particular, corporate loans (given the commercial efforts to gain and retain customers) and retail loans (credit cards loans, consumer loans and SMEs) in Mexico, and increases in loans to enterprises and credit card loans denominated in Turkish lira, partially offset by a slight increase in allowance for credit losses (total allowance for credit losses) (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_154"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impaired Loans</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans are considered to be credit-impaired under IFRS 9 if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the loan. The BBVA Group updated its definition of credit-impaired asset (Stage 3) in 2021. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;New definition of default&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts collected in relation to impaired financial assets at amortized cost are first applied to the outstanding interest and any excess amount is used to reduce the unpaid principal. The approximate amount of interest on our impaired loans which was included in profit attributable to parent company in 2022, 2021 and 2020 was &#8364;257.6 million, &#8364;248.3 million, &#8364;249.1 million, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding our impaired loans to customers, central banks and credit institutions as of the dates indicated:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:36.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.856%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impaired loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,203</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,822</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,823</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Public sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">68</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other resident sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,166</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,762</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,755</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,290</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,836</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,855</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Public sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other non-resident sector</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,289</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,833</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,847</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total impaired loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">13,493</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,657</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,678</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Allowance for credit losses</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(11,291)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(11,142)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(12,141)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impaired loans net of allowance</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,202</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,516</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,537</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impaired loans as a percentage of loans and advances at amortized cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.46</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.20</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.42</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impaired loans (net of allowance) as a percentage of loans and advances at amortized cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.57</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.01</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.76</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">%</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our total impaired loans amounted to &#8364;13,493 million as of December 31, 2022, a 7.9% decrease compared with &#8364;14,657 million as of December 31, 2021, as a result of the decrease in impaired loans in Spain and Turkey. The decreases in impaired loans in Spain were mostly driven by the sale of certain loan portfolios and, in Turkey, by the change in the staging of a large customer in the wholesale loan portfolio from Stage 3 to Stage 2 and the sale of certain retail loan portfolios during the first half of 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">70</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our allowance for credit losses includes loss reserve for impaired assets and loss reserve for unimpaired assets which present an expected credit loss. As of December 31, 2022, the allowance for credit losses amounted to &#8364;11,291 million, a 1.3% increase compared with the &#8364;11,142 million recorded as of December 31, 2021, mainly as a result of increased impairments in loans to individuals driven by the deteriorating macroeconomic environment, which is facing a downward revision of growth expectations in an inflationary environment. Further, in the year ended December 31, 2022 there were lower write-offs from the amortized cost portfolio.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_157"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">LIABILITIES </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See the introduction to &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Selected Statistical Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on the impact of the USA Sale of BBVA USA on the information reported below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The principal components of our customer deposits recorded under &#8220;Financial liabilities at amortized cost&#8221; are domestic demand and savings deposits and foreign time deposits. The following tables provide information regarding the average amount of the following deposit categories recorded under &#8220;Financial liabilities at amortized cost&#8221; for the periods indicated:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Balance for the Year Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand deposits</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">318,121</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">279,166</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">255,303</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">201,232</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">182,675</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">167,320</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Foreign</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">116,889</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">96,491</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">87,984</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Time deposits</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">119,185</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">116,221</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">128,928</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">63,198</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">66,684</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">71,162</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Foreign</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">55,987</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">49,538</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">57,767</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,772</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13,325</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,450</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,529</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,526</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,017</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 31pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Foreign</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">7,243</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,798</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">5,433</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Domestic</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">268,959</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">253,885</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">241,498</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Foreign</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">180,119</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">154,827</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">151,184</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">449,078</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">408,712</span></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">392,681</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The amount of uninsured deposits recorded under &#8220;Financial liabilities at amortized cost&#8221; as of December 31, 2022, 2021 and 2020 amounted to &#8364;233,406 million, &#8364;211,994 million and &#8364;228,959 million, respectively. Uninsured deposits are the portion of deposit accounts that exceed each local deposit insurance limit and amounts in any other uninsured investment or deposit accounts that are classified as deposits and are not subject to any state deposit insurance regimes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the maturity of our time deposits in uninsured accounts recorded under &#8220;Financial liabilities at amortized cost&#8221; is as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:21.002%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.865%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.865%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.868%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Domestic</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Foreign</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total&#160;</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">Portion in excess of local deposit insurance limit </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">6,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">34,942</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">41,829</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">Other uninsured time deposits </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">38,002</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">9,331</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:112%">47,334</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3 months or under </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">19,385</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,519</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">25,904</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Over 3 to 6 months </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">17,003</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">463</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">17,466</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Over 6 to 12 months </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">392</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">875</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,267</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Over 12 months </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,222</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,697</span></td></tr><tr><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total </span></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">44,890</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">44,273</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">89,163</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Large denomination deposits may be a less stable source of funds than demand and savings deposits because they are more sensitive to variations in interest rates. For an additional analysis of our deposits recorded under &#8220;Financial liabilities at amortized cost&#8221; as of December 31, 2022, 2021, and 2020, see Note 22 to our Consolidated Financial Statements. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">71</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_160"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Short-term Borrowings</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities sold under agreements to repurchase and promissory notes issued by us constituted the only categories of short-term borrowings that equaled or exceeded 30% of stockholders&#8217; equity as of December 31, 2022, 2021, and 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information about our total short-term borrowings for the years ended December 31, 2022, 2021, and 2020:</span></div><div style="margin-bottom:3pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:24.711%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.173%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.178%"></td><td style="width:0.1%"></td></tr><tr style="height:17pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="6" rowspan="2" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of and for the Year Ended December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="6" rowspan="2" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of and for the Year Ended December 31, 2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" rowspan="2" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of and for the Year Ended December 31, 2020</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Amount</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Average rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Amount</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Average rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Amount</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Average rate</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="24" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">(In Millions of Euros, Except Percentages)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Securities sold under agreements to repurchase:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">As of end of period</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">50,878</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">49,429</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">0.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">41,164</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Average during period</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">49,933</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">48,507</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">47,721</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Bank promissory notes:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">As of end of period</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,241</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">546</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(0.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,454</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">0.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Average during period </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">705</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">981</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,094</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">0.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Bonds and subordinated debt:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">As of end of period</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,768</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,936</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,546</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Average during period</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11,253</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">9,577</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12,076</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total short-term borrowings as of end of period (1)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">62,887</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1.7</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">60,911</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">0.9</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">53,164</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1.0</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes all repurchase agreements recorded under &#8220;Financial liabilities at amortized cost&#8221; and &#8220;Financial liabilities held for trading&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, 2021 and 2020, the securities sold under agreements to repurchase were mainly Mexican and Spanish treasury bills and such agreements were entered into with other financial and credit institutions.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2815"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Certain Ratios</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets out certain ratios for the years ended December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of and for the year ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Percentages)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net interest margin (1)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.73&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.16&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.01&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Return on average total assets (2)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Return on average shareholders&#8217; funds (3)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Equity to assets ratio (4)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents net interest income as a percentage of average total assets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents profit as a percentage of average total assets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents profit for the year as a percentage of average shareholders&#8217; funds for the year. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents average total equity (net assets) over average total assets.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_163"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EQUITY</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Total equity</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, total equity amounted to &#8364;50,615 million, a 3.8% increase compared to the &#8364;48,760 million recorded as of December 31, 2021, mainly as a result of the increase in shareholders&#8217; funds, partially offset by the decrease in non-controlling interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Shareholders&#8217; funds</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, shareholders&#8217; funds amounted to &#8364;64,422 million, a 6.7% increase compared to the &#8364;60,383 million recorded as of December 31, 2021, primary due to the annual increase in profit and the effects of the VTB, which resulted in an increase in BBVA&#8217;s stake in Garanti BBVA (from 49.85% to 85.97%), partially offset by the execution of the share buyback program and the distribution of dividends.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">72</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accumulated other comprehensive income (loss)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the accumulated other comprehensive loss amounted to &#8364;17,432 million, a 5.8% increase compared to the &#8364;16,476 million loss recorded as of December 31, 2021, mainly as a result of the impact of the application of IAS 29 and IAS 21 to Group companies located in Turkey. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for additional information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Non-controlling interest</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, non-controlling interest amounted to &#8364;3,624 million, a 25.3% decrease compared to &#8364;4,853 million recorded as of December 31, 2021, primary due to the effects of the VTB, which resulted in an increase in BBVA&#8217;s stake in Garanti BBVA (from 49.85% to 85.97%), partially offset by the impact of the application of IAS 29 and IAS 21 to Group companies located in Turkey. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for additional information.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_166"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">F.   Competition</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In recent years, the global financial services sector has undergone significant transformation in relation to the development of the Internet and mobile and other exponential technologies and the entrance of new players into activities previously provided in the main by financial institutions. Whereas commercial banks were previously almost the sole providers of the whole range of financial products, from credit to deposits, or payments and investment services, today, a set of non-bank digital providers compete (and cooperate) among each other and with banks in the provision of financial services. These new fintech providers can be startup firms that are specialized in a specific service or niche of the financial services market, or large digital players (known as BigTechs). BigTech companies such as Amazon, Facebook and Apple have also started to offer financial services (mainly, in relation to payments and credit) ancillary to their core business.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In this new competitive environment, banks and other players are calling for a level playing field that ensures fair competition among the different financial services providers. Regulations on consumer protection and the integrity of the financial system (such as anti-money laundering regulations or regulations for combating the financing of terrorism) are generally activity-specific and, therefore, meet the principle of a level playing field. However, with regards to financial stability, banking groups are subject to prudential regulations that have implications for most of their activities, including those in which they compete with non-bank players that are only subject to activity-specific regulations, at best, or not regulated at all. Therefore, the scope of the perimeter of prudential consolidation to which the prudential regulation and supervision in the European Union and elsewhere applies compromises the level playing field principle by requiring banking groups to apply banking-level controls to all subsidiaries, no matter their activities and actual risks involved. Restrictions on the activity of bank players, for instance as regards internal governance requirements, leave EU banks at a competitive disadvantage as regards cost, time-to-market or talent attraction compared to their competitors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Existing loopholes in the regulatory framework are another cause of an uneven playing field between banks and non-bank players. Some new services or business models are not yet subject to existing regulations. In such cases, not only are potential risks to financial stability, consumer protection and the integrity of the financial system unaddressed, but asymmetries may arise between players since regulated providers often face obstacles that unregulated providers do not.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 3. Key Information&#8212;Risk Factors&#8212;Business Risks&#8212;The Group faces increasing competition and is exposed to a changing business model</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Another significant trend in the market is consolidation. Following the 2008 global financial crisis, a number of banks disappeared or were absorbed by other banks. In the wake of the COVID-19 crisis a number of mergers and acquisitions may take place between financial entities in the regions where the Group operates, as recently seen in Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additional information on certain market dynamics affecting the three main countries where we operate is provided below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The commercial banking sector in Spain has undergone significant consolidation since the 2008 global financial crisis. Following the merger of Caixabank and Bankia in 2021, Caixabank is the largest bank in Spain in terms of total assets. In addition, the merger between Unicaja and Liberbank, completed in June 2021, created the sixth largest bank in terms of loans in Spain as of December 2022. Caixabank and Banco Santander are BBVA&#8217;s main competitors in the Spanish market. The aggregate market share in terms of loans of the five largest banks in Spain was 77% as of December 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We face strong competition in all of our principal areas of operations. After the protracted period of low interest rates, which adversely impacted interest income, the sharp rise in official and market interest rates in 2022 has resulted in </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">73</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a more benign pricing environment for banks. However, Spanish banks have been generally cautious in increasing borrowing rates in order not to prompt any surge in default rates. Such approach and the fact that Spain has a mature credit market contribute to the fierce competitive environment in the Spanish banking system. In particular, in recent years, competition has been acutely intense in the credit market for lending to SMEs, where new credit interest rates fell from a weighted average of 5.5% between January 2012 and May 2014 to around 2.1% in 2021. Although interest rates on new loans to SMEs had increased to approximately 4.2% as of November 2022, spreads have shrunk as a result of the sharp rise in the reference rates. Following the outbreak of the COVID-19 crisis in the first quarter of 2020, public support measures were introduced in Spain, particularly in the form of public guarantees (ICO loans) on new loans to corporates and SMEs, and deferrals and payment holidays on certain loans. In total, ICO loans amounted to &#8364;140.6 billion, &#8364;107.1 billion of which had a public guarantee. This resulted in a temporary decrease in competition in the SME loans segment. However, competition levels have picked up since the program ended in June 2022. More broadly, the finalization of COVID-19 related public relief measures may result in the deterioration of the credit quality of certain borrowers, especially SMEs, which may result in higher loan-loss provisions by banks, particularly in the context of rising interest rates. Regarding the mortgage segment, the pandemic triggered changes in household preferences (larger houses, outside space, second houses) driving an increase in the demand for mortgages. As a result, after the long period of de-leveraging that preceded the pandemic, the portfolio of mortgages in Spain grew by 1.1% in 2021, though such growth had decelerated to 0.2% year-on-year as of November 2022, and there is increased competition in this segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the aftermath of the 2008 global financial crisis, the necessity for a more balanced funding structure led to increased competition for deposits in Spain. While the low interest rate environment depressed remuneration on deposits, there has been an effective interest rate floor of zero on deposit rates, which never entered negative territory. We expect that competition among Spanish entities will lead to higher deposit rates, especially term deposit rates, as interest rates rise. Former Spanish savings banks and money market mutual funds provide strong competition for savings deposits and, in the case of savings banks, for other retail banking services. Credit cooperatives, which are principally active in rural areas where they provide savings and loan services and other related services such as the financing of agricultural machinery and supplies, also provide competition. The entry of &#8220;fintech companies&#8221; and online banks into the Spanish market for financial services has further increased competition, particularly in payment services. Insurance companies and other financial service firms also compete for customer funds. Former savings banks, insurance companies and other financial service firms are expanding the services they offer to consumers in Spain, that have traditionally been the domain of commercial banks. We face competition from other commercial banks, former savings banks and, to a lesser extent, credit cooperatives across all types of loans and deposits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Spain and in Europe, changes in banking regulation could have a significant potential impact on competition in the near future. The EU Directive on Investment Services permits all brokerage houses authorized to operate in other member states of the European Union to carry out investment services in Spain. Although the EU Directive is not specifically addressed to banks, it affects the activities of banks operating in Spain. Certain initiatives have also been implemented in order to facilitate the creation of a Pan-European financial market, such as the Single Euro Payments Area, which is a payment-integration initiative for simplification of bank transfers, direct debits and payment cards mainly within the European Union, and MiFID, complemented with the introduction of MiFID II in January 2018, which aims to create a European framework for investment services. In addition, further steps have been taken towards achieving a banking and capital markets union in Europe. The ECB assumed responsibility as the unique supervisor of the Eurozone banking sector in November 2014, responsible for the supervision of over 100 entities (including BBVA). Moreover, the foundations of a single resolution mechanism were laid with, among others, the appointment of the SRB and the adoption of the Bail-in Tool. For additional information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;&#8213;Business Overview&#8213;Supervision and Regulation&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Mexico</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the Mexican banking sector comprised 50 institutions, with no new entrants, failures or mergers during the year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A year subsequent to announcing its intention to sell its retail business, CitiBanamex, the third largest bank of the system, is entering the final stages of its sales process. As of December 2022, two groups of bidders remained in the process as certain of the remaining banks (Santander, Banorte, Inbursa and Banco Azteca) withdrew their offers. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first group of bidders is led by Banco Mifel (a small domestic bank with 0.82% of the total assets of banks in Mexico, led by the Head of the Mexican Banking Association) and joined by Blackrock (the world&#8217;s biggest fund manager by assets) and the U.S. private equity giant Apollo Global Management, among other investors. The second group of bidders is led by German Larrea, a Mexican mining executive, who is said to be backed by Carlos Slim and former CitiBanamex officials.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">74</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to CitiBanamex CEO&#8217;s remarks in December 2022, Citi would announce results of the sale in the first quarter of 2023, but indicated that an IPO on the Mexican stock exchange had not been ruled out. The sale of CitiBanamex is not expected to affect the stability of the sector as a whole, and might contribute to increased competitiveness once the relevant integration process is completed. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The seven largest banks of the system (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">G7 group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, that comprises BBVA Mexico, Santander, CitiBanamex, Banorte, HSBC, Scotia Bank and Inbursa) held 77.0% of the total assets of banks in Mexico as of December 31, 2022, an increase from 76.8% in December 2021. BBVA Mexico, the largest bank in the system, and Santander maintained their share in total assets (22.0% and 14.7% as of December 31, 2022), while Banamex increased its market share from 11.2 to 11.9%.  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding credit balances, the G7 group market share diminished slightly from 81.1% to 80.9%, but BBVA Mexico increased its participation in total credit balances from 23.6% to 24.3%. The G7 bank that gained the largest credit share was Banorte (from 9.9 to 14.3%). The meager recovery of credit activity observed in 2022 of other intermediaries may provide banks with further opportunities to capture new clients. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As for deposits, the G7 group market share declined (from 79.4% to 78.5%), with five of the G7 banks losing share (BBVA Mexico&#8217;s fell from 23.0% to 22.5%). In the short-term, we expect funding costs to increase, as a result of increases in interest rates and as households deplete liquid resources accumulated throughout the pandemic. The foregoing may, in turn, trigger competition to attract savings.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulatory activity throughout 2022 moved on from pandemic remedial measures which had previously taken up much of the authorities&#8217; attention, and resulted in several adjustments and additions to the applicable framework. Perhaps the most significant had to do with the changes to the Interbank Electronic Payment System (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SPEI</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) by BANXICO on March 2023. This amendment allows indirect participants and their clients access to said payment system in order to carry out electronic transfer of funds and CoDi (BANXICO&#8217;s instant payments system) operations (which had trouble taking off and which activity levels remain well below Brazil&#8217;s PiX). We expect changes to SPEI to bring more competition and increase the value propositions of non-bank financial actors, particularly those created under the Fintech Law (e-money institutions) and Sofomes (non-bank banks), which hitherto could not access the system. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, the modification of the recovery plan rules undertaken by the CNBV on September 2, 2022 requires banks to provide greater detail on their organizational changes, business links, the definition of roles and responsibilities with regards to recovery planning, internal and external communication strategies and minimum quantitative requirements, among others. The CNBV also adjusted, in June 2022, capital requirements for securitizations and introduced an external-ratings based capital framework which substituted the pre-existing standard approach. In addition, on May 13, 2022, its provisioning rules, specifically the parameters used in determining LGD (loss arising in the event of default) on the internal-ratings based approach for the commercial portfolio, moved from fixed percentages for senior unsecured positions and subordinated positions (until then with fixed values of 45% and 75%, respectively) to a more granular scheme based on the months elapsed since the classification of the relevant position in Stage 3.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In April 2022, BANXICO issued its rules for holding syndicated auctions of government securities in domestic currency, aligned with environmental, social and corporate governance (ESG) criteria.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 29, CONDUSEF, the financial ombudsman, issued a two-page standardized template for banks&#8217; and regulated Sofomes&#8217; credit card statements, which will be effective as of October 2024. It aims to aid cardholders in better understanding charges, improve decision-making, increase transparency and reduce over-indebtedness.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Turkey</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Turkey, where we operate through Garanti BBVA, the three public deposit banks that operate in the country accounted for 39% of the total loans of financial institutions as of December 31, 2022, whereas private deposit banks (including Garanti BBVA) accounted for 47% (one point lower year-on-year as public banks&#8217; share in the credit market increased throughout 2022). Development banks and participation banks (banks that operate under the ethos of Islamic banking) together accounted for 14% of the total.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rates were cut several times in the last quarter of 2021, which resulted in a sharp depreciation of the Turkish lira (76% in 2021) and a substantial increase in the inflation rate, which rose to 36.1% in 2021. The policy of reducing interest rates continued in 2022 as the inflation rate continued to increase, reaching a peak of 85.5% in October in such year, before reaching 64.3% at year-end.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">75</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2021, the Turkish authorities announced several measures to protect Turkish lira (TL) deposits from the exchange rate volatility designed to boost confidence in the currency, promote the conversion of foreign currency deposits and participation funds into TL and prevent further dollarization of deposits. More specifically, a two-pillar mechanism to incentivize TL deposits was announced: first, to encourage resident households and firms to convert their foreign currency deposits and gold into TL term deposits, the Central Bank (CBRT) will directly compensate for any foreign exchange and gold price movements affecting bank accounts. Second, the Turkish Treasury will compensate resident households for the exchange rate impact on TL term deposits and the related income will not be subject to withholding tax. Such measures enabled the Turkish authorities to increase TL deposit inflows strongly throughout 2022, which contributed to the decline of the dollarization ratio from 64% in 2021 to 47% by the end of 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Due to new regulations targeting credit to specific sectors, private banks grew in SME lending whereas public banks grew in the larger firm loan segment mainly in the second half of 2022. Consumer loans consisted mainly of general purpose loans and credit card loans. We believe that the additional credit guarantee fund scheme which entered into force, will likely enable banks to continue to boost credit, particularly in the form of SME loans. Furthermore, stricter regulations on the proportion of TL deposits have caused an increase in competition for deposits, resulting in increases in interest rates paid for deposits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CBRT recently published its Monetary Policy and Liraization Strategy for 2023 in which it underlined its commitment to continue pursuing higher TL deposit share obligations and higher exposure to Government securities for both the central bank and commercial banks. The CBRT expects the share of TL-denominated fixed-income and long-term securities in bank assets to reach 5% in 2023, and gradually climb to 10% in the short-to-medium term. The CBRT has set the liraization target for deposits to 60% for the first half of 2023. We expect the current policy framework of macro-prudential measures and restrictive financial regulations will be maintained through the date of the presidential elections in June 2023. Thereafter, regardless of the results of the elections, we anticipate there will be a gradual interest rate hike and a step-by-step reversal of the prevailing policies.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_169"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">G. Cybersecurity and Fraud Management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s Corporate Security Area is responsible for ensuring adequate information security management by establishing security policies, procedures and controls regarding the security of the Group&#8217;s global infrastructures, digital channels and payment methods with a holistic and threat intelligence-led approach.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s security strategy resides on four fundamental pillars: cybersecurity, data protection, physical security and security in business processes and fraud management. A program has been designed for each of these pillars, with the aim to reduce the risks identified in the developed taxonomy. These programs, which consider security industry best practices established by internationally accepted security standards, are periodically reviewed to evaluate the progress and the effective impact on the mitigation of the risks the Group is exposed to.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022, within the framework of the implementation of the security strategy, security measures have been reinforced with the aim to ensure an adequate protection of BBVA&#8217;s information and the assets supporting business processes. The implementation of these measures has been carried out with a global perspective and an integral approach (considering not only technological aspects but also aspects related to the Group&#8217;s staff, processes and security governance).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Measures adopted in 2022 included measures intended to: (i) ensure end-to-end protection of business processes, considering logical and physical security, privacy and fraud management, (ii) ensure compliance of the security and privacy by design principles; and (iii) improve client access control and authentication services related to online services, from a security and user experience perspective.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The main initiatives which have been or are being implemented globally or in certain countries to improve BBVA&#8217;s security and client protection are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Use of facial biometrics for the remote and online onboarding of new clients, ensuring compliance with the legal requirements applicable.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Use of biometrics for the completion of transactions through the BBVA app, with the aim of improving user experience and avoiding SIM duplication and smishing attacks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Reinforcement of the security measures implemented in business processes with a high risk of fraud, such as the implementation of dynamic Card Verification Value (CVV) for e-commerce purchases with Aqua cards in most of the countries where the BBVA Group operates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Enhancement of behavioral biometrics and malware protection to improve analytical capabilities and fraud detection capabilities in mobile channels.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">76</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Use of advanced analytics models to protect BBVA&#8217;s clients&#8217; funds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Enhancement of the information provided to clients in the BBVA app to make them aware of the main risks they are exposed to, so that they can prevent or act against possible threats.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These new initiatives, as well as the implementation of strong customer authentication methods in e-commerce, the possibility to activate and shutdown cards from the BBVA app, the customized early warnings about real-time payments or transfers and the commercialization of our Aqua card (the first card without a printed card number or CVV) seek to improve BBVA&#8217;s client protection. Our Aqua card has a dynamic CVV, which reinforces security and deters its possible fraudulent use. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, BBVA has continued carrying out training and awareness initiatives related to security and privacy, promoting training and awareness campaigns for BBVA&#8217;s employees, clients and society in general, through the BBVA app, online channels and social networks. Some of the topics covered include protection of personal information, secure password management, device protection (laptops, smartphones, etc.), social engineering detection (phishing, smishing, vishing), malware and other technical attacks detection, detection of scams, security in online purchases and how to react in case of a security incident.  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other lines of action also include the adequate training of BBVA&#8217;s Board members in the area of security and incident management, as well as the periodic performance of global and local simulation exercises in order to raise the level of training and awareness of the Board of Directors and certain key personnel and ensure an immediate and effective response in case of a security breach.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Cybersecurity</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ensuring the effective protection of BBVA&#8217;s assets and customers&#8217; data is vital for the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022 and 2021, the Group has detected an increase in the number of attacks, accentuated by the presence of organized crime groups specialized in the banking sector and working in a multi-country environment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, new risks and challenges for companies have emerged, such as related to security in teleworking, increases in attack surface, security in cloud services and management of risks related to third parties. Since the COVID-19 pandemic cybercriminals have increased the scope of social engineering attacks through email, SMS, instant messaging systems and social networks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Global Computer Emergency Response Team (CERT) is the Group&#8217;s first line of detection and response to cyberattacks aimed at global users and the Group&#8217;s infrastructure, combining information on cyber threats from our Threat Intelligence unit. The Global CERT, which is based in Madrid, operates 24x7 and provides services in all countries where the Group operates, under a scheme of managed security services, with operation lines dedicated to fraud and cybersecurity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As cyberattacks evolve and become more sophisticated, the Group has strengthened its prevention and monitorization efforts. System monitoring capabilities have been reinforced, with particular attention to the critical assets that support business processes in order to prevent threats from materializing and, if necessary, to immediately identify and respond to any security incident that may occur. Incident prevention, detection and response capabilities have also been strengthened through the use of integrated information sources, improved analytical capabilities and automated platforms. Additionally, new Artificial Intelligence models are being developed with the aim to predict and prevent cyberattacks against the Bank infrastructure and to provide a more secure experience to BBVA&#8217;s clients. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe that measures implemented by the Group have improved information security management from a preventive and proactive approach, based on the use of digital intelligence and advanced analytical capabilities. The main objective of these measures is to ensure an immediate and effective response to any security incident that occurs through the coordination of the different business and support areas involved, to reduce the possible negative impact and, if necessary, to report such incident in a timely manner to the relevant supervisory or regulatory authorities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA routinely reviews, reinforces and tests its security processes and procedures through simulation exercises in the areas of physical security and digital security. Specialized teams periodically perform security technical tests in order to detect and correct possible security vulnerabilities. These tests include technical tests of technological platforms as well as malicious users simulated attacks performed by the &#8220;red team&#8221;. The outcome of such exercises is a fundamental part of a feedback process designed to improve the Group&#8217;s cybersecurity strategies.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">77</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Data Protection</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The second pillar of the strategy is based on the adequate protection and management of data, which is a fundamental element of the data-centric strategy of the BBVA Group. The main initiatives in this area relate to the adoption of measures to ensure that BBVA&#8217;s information assets are properly protected, limiting their use to their intended purposes and controlling access to them, considering the security guidelines established by the Group. All activities related to the data protection program are reviewed by the Data Protection Committee, where all relevant stakeholders of the Bank are represented.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Security in Business Processes and Fraud</span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Cybersecurity efforts are frequently undertaken in close coordination with our fraud prevention efforts and there are considerable interactions and synergies between the relevant teams. As part of the efforts to monitor fraud evolution and to actively support the deployment of adequate anti-fraud policies and measures, the Fraud Management Working Group oversees the evolution of all external and internal fraud types in all countries where the Group operates. Its functions include: (i) actively monitoring fraud risks and mitigation plans; (ii) evaluating the impact thereof on the Group&#8217;s business and customers; (iii) monitoring relevant fraud facts, events and trends; (iv) monitoring accrued fraud cases and losses; (v) carrying out internal and external benchmarking; and (vi) monitoring relevant fraud incidents in the financial industry.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA maintains cybersecurity and fraud insurance policies in respect of each of its subsidiaries. These insurance policies are subject to certain loss limits, deductions and exclusions. We can provide no assurance that all losses related to a cybersecurity or fraud incident will be covered under our policies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Security Governance</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the aim of guaranteeing the effective implementation of the Group&#8217;s security strategy, BBVA has established a security governance model. Among the bodies composing this governance model, there are Committees and working groups responsible for the approval and supervision of the execution of the information security strategy, in matters such as corporate security, information security and protection and fraud management. One of the main elements of this security governance model is the Technology and Cybersecurity Commission, attended by BBVA&#8217;s Chairman and certain members of BBVA&#8217;s Board of Directors. This Commission is responsible for the oversight of the Group&#8217;s technological strategy and cybersecurity strategy and allows the Board of Directors to be informed of the main technological risks to which the Group is exposed, as well as current cybersecurity and technology trends and any relevant security event that can affect the BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding business continuity, during 2022 and 2021 BBVA has included &#8220;resilience&#8221; as an integral part of its holistic approach. This change reflects the evolution from a model mainly oriented to guarantee the continuous provision of products and services in situations with high impact and low probability to a model where the organization has the ability to absorb and adapt to situations with an operative impact due to disruptions of different nature (such as pandemics, cyber incidents, natural disasters or technological failures). This transition has involved an intense activity of the Resilience Office that, together with the Group&#8217;s Crisis Management Committees and Continuity Committees has had a relevant role in the management of the crisis caused by the COVID-19 pandemic.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_172"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 4A.      UNRESOLVED STAFF COMMENTS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_175"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 5.      OPERATING AND FINANCIAL REVIEW AND PROSPECTS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group is a customer-centric global financial services group founded in 1857. Internationally diversified and with strengths in the traditional banking businesses of retail banking, asset management and wholesale banking, the Group is committed to offering a compelling digital proposition focused on customer experience.</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA has a leadership position in the Spanish market, it is the largest financial institution in Mexico in terms of assets, it has leading franchises in South America and it is the majority shareholder in Garanti BBVA, Turkey&#8217;s largest bank in terms of market capitalization. On May 18, 2022, BBVA closed its voluntary takeover bid for the entire share capital of Garanti BBVA, which resulted in BBVA increasing its stake in Garanti BBVA from 49.85% to 85.97%. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Voluntary Takeover Bid for the Entire Share Capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Until the completion of the USA Sale in June 2021, BBVA also had leading franchises in the Sunbelt Region of the United States (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">78</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The purpose of the BBVA Group is to bring the age of opportunities to everyone, based on our customers&#8217; real needs, resting the institution in solid values: customer comes first, we think big and we are one team.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group operates in Spain through Banco Bilbao Vizcaya Argentaria, S.A., a private-law entity subject to the laws and regulations governing banking entities operating in Spain. It carries out its activity through branches and agencies across the country and abroad. In addition to the transactions it carries out directly, Banco Bilbao Vizcaya Argentaria, S.A. is the parent company of the BBVA Group, which includes a group of subsidiaries, joint ventures and associates performing a wide range of activities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Critical Accounting Policies</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Consolidated Financial Statements as of and for the years ended December 31, 2022, 2021 and 2020 were prepared by the Bank&#8217;s directors in compliance with IFRS-IASB and in accordance with EU-IFRS required to be applied under the Bank of Spain&#8217;s Circular 4/2017, and by applying the basis of consolidation, accounting policies and measurement bases described in Note 2 to the Consolidated Financial Statements, so that they present fairly the Group&#8217;s total equity and financial position as of December 31, 2022, 2021 and 2020, and its results of operations and consolidated cash flows for the years ended December 31, 2022, 2021 and 2020. The Consolidated Financial Statements were prepared on the basis of the accounting records kept by the Bank and by each of the other Group companies and include the adjustments and reclassifications required to unify the accounting policies and measurement bases used by the Group. See Note 2.2 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In preparing the Consolidated Financial Statements, estimates were made by the Group and the consolidated companies in order to quantify certain of the assets, liabilities, income, expense and commitments reported herein. These estimates relate mainly to the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The loss allowance of certain financial assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The assumptions used to quantify certain provisions and for the actuarial calculation of the post- employment benefit liabilities and commitments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The useful life and impairment losses of tangible and intangible assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The valuation of goodwill and price allocation of business combinations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The fair value of certain financial assets and liabilities, including financial assets measured at fair value classified as Level 2 and classified as Level 3, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The recoverability of deferred tax assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although these estimates were made on the basis of the best information available as of December 31, 2022, 2021 and 2020, respectively, events that take place in the future might make it necessary to revise these estimates (upwards or downwards), which revisions would be carried out prospectively in coming years. Any such changes would be recorded prospectively, recognizing the effects of the change in estimation in the corresponding consolidated financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, the greater macroeconomic and geopolitical uncertainties have resulted in greater complexity in developing reliable estimates and applying judgment. During 2022 there have been no other significant changes in the estimates made as of December 31, 2021 and 2020, with the exception of those indicated in the Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 2 to our Consolidated Financial Statements contains a summary of our significant accounting policies. We consider certain of these policies to be particularly important due to their effect on the financial reporting of our financial condition and results of operations and because they require management to make difficult, complex or subjective judgments, some of which may relate to matters that are inherently uncertain. Our reported financial condition and results of operations are sensitive to accounting methods, assumptions and estimates that underlie the preparation of our Consolidated Financial Statements. The nature of critical accounting policies, the judgments and other uncertainties affecting application of those policies and the sensitivity of reported results to changes in conditions and assumptions are factors to be considered when reviewing our Consolidated Financial Statements and the discussion below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have identified the accounting policies enumerated below as critical to the understanding of our financial condition and results of operations, since the application of these policies requires significant management assumptions and estimates that could result in materially different amounts to be reported if the assumptions used or underlying circumstances were to change.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 2.3 to our Consolidated Financial Statements for information on changes to IFRS or their interpretation that were not yet effective as of December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">79</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial instruments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loss allowance of certain financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The &#8220;expected losses&#8221; impairment model is applied to financial assets valued at amortized cost, debt instruments valued at fair value with changes in accumulated other comprehensive income, financial guarantee contracts and other commitments. All financial instruments valued at fair value through profit or loss are excluded from the impairment model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition and which establish the calculation of the credit risk allowance. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8211;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:13pt">Stage 1&#8211; without significant increase in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to the expected credit loss that arises from all possible default events within 12 months following the presentation date of the financial statements (12 month expected credit losses).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8211;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:13pt">Stage 2&#8211; significant increases in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the credit risk of a financial asset has increased significantly since the initial recognition, the loss allowances of that financial instrument is calculated as the expected credit loss during the entire life of the asset. That is, they are the expected credit losses that result from all possible default events during the expected life of the financial instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8211;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:13pt">Stage 3 &#8211; impaired</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When there is objective evidence that the instrument is credit-impaired, the financial asset is transferred to this category in which the provision for losses of that financial instrument is calculated, as in Stage 2, as the expected credit loss during the entire life of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the recovery of any recognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt, the debt is forgiven, or other reasons.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;New definition of default</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on the new definition of credit-impaired asset (Stage 3) used by the Group since 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair value of financial instruments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of an asset or a liability on a given date is taken to be the price that would be received upon the sale of an asset, or paid, upon the transfer of a liability in an orderly transaction between market participants at the measurement date. The most objective and common reference for the fair value of an asset or a liability is the price that would be paid for it on an organized, transparent and deep market (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">quoted price</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">market price</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If there is no market price for a given asset or liability, its fair value is estimated on the basis of the price established in recent transactions involving similar instruments and, in the absence thereof, by using mathematical measurement models sufficiently tried and trusted by the international financial community. Such estimates would take into consideration the specific features of the asset or liability to be measured and, in particular, the various types of risk associated with the asset or liability. However, the limitations inherent to the measurement models developed and the possible inaccuracies of the assumptions required by these models may signify that the fair value of an asset or liability thus estimated does not coincide exactly with the price for which the asset or liability could be purchased or sold on the date of its measurement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 2.2.1 and 8 to our Consolidated Financial Statements, which contain a summary of our significant accounting policies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives and other future transactions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These instruments include outstanding foreign currency purchase and sale transactions, outstanding securities purchase and sale transactions, futures transactions relating to securities, exchange rates or interest rates, forward interest rate agreements, options relating to exchange rates, securities or interest rates and various types of financial swaps.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">80</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All derivatives are recognized on the balance sheet at fair value from the date of arrangement. If the fair value of a derivative is positive, it is recorded as an asset and if it is negative, it is recorded as a liability. Unless there is evidence to the contrary, it is understood that on the date of arrangement the fair value of the derivatives is equal to the transaction price. Changes in the fair value of derivatives after the date of arrangement are recognized in the heading &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221; in the consolidated income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Specifically, the fair value of the standard financial derivatives included in the held for trading portfolios is equal to their daily quoted price. If, under exceptional circumstances, their quoted price cannot be established on a given date, these derivatives are measured using methods similar to those used to measure over-the-counter (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">OTC</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) derivatives.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of OTC derivatives is equal to the sum of the future cash flows arising from the instruments discounted at the measurement date (&#8220;present value&#8221; or &#8220;theoretical value&#8221;). These derivatives are measured using methods recognized by the financial markets, including the net present value method and option price calculation models.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial derivatives that have equity instruments as their underlying, whose fair value cannot be determined in a sufficiently objective manner and are settled by delivery of those instruments, are measured at cost, although the amortized cost criteria is not used when accounting for these instruments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial derivatives designated as hedging items are included in the heading of the balance sheet &#8220;Derivatives - Hedge accounting&#8221;. These financial derivatives are valued at fair value.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 2.2.1 to our Consolidated Financial Statements, which contains a summary of our significant accounting policies with respect to these instruments.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_178"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Goodwill in consolidation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to IFRS 3, if the difference on the date of a business combination between the sum of the consideration transferred, the amount of all the non-controlling interests and the fair value of equity interest previously held in the acquired entity, on one hand, and the fair value of the assets acquired and liabilities assumed, on the other hand, is positive, it is recorded as goodwill on the asset side of the balance sheet. Goodwill represents the future economic benefits from assets that cannot be individually identified and separately recognized.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Goodwill is not amortized and is subject periodically to an impairment analysis. Any impaired goodwill is written off.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the difference is negative, it is recognized directly in the income statement under the heading &#8220;Negative goodwill recognized in profit or loss&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Goodwill is allocated to one or more cash-generating units, or CGUs, expected to benefit from the synergies arising from business combinations. See Note 2.2.7 to our Consolidated Financial Statements for the definition of CGU.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CGUs to which goodwill has been allocated are tested for impairment based on the carrying amount of the unit including the allocated goodwill. Such testing is performed at least annually and whenever there is an indication of impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the purpose of determining the impairment of a CGU to which a part or all of goodwill has been allocated, the carrying amount of that CGU, adjusted by the theoretical amount of the goodwill attributable to the non-controlling interests, shall be compared to its recoverable amount (except where they are not valued at fair value). The resulting difference shall be apportioned by reducing, firstly, the carrying amount of the goodwill allocated to that unit and, secondly, if there are still impairment losses remaining to be recognized, the carrying amount of the rest of the assets. This shall be done by allocating the remaining difference in proportion to the carrying amount of each of the assets in the CGU. In any case, impairment losses on goodwill can never be reversed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 2.2.6 and 2.2.7 to our Consolidated Financial Statements, which contain a summary of our significant accounting policies related to goodwill.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The results from each of these tests on the dates mentioned were as follows: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> As of December 31, 2022, as a result of the CGUs assessment, the Group concluded there is no evidence of indicators of impairment that requires recognizing significant impairment losses in any of the CGUs where goodwill that the Group has recognized in the consolidated balance sheet is allocated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, as a result of the CGUs assessment, the Group concluded there was no evidence of indicators of impairment that required recognizing significant impairment losses in any of the CGUs where goodwill that the Group had recognized in the consolidated balance sheet was allocated.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">81</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of March 31, 2020, we identified an indicator of impairment of goodwill in the United States CGU and, as a result of the goodwill impairment test performed, an impairment of &#8364;2,084 million was recognized in the United States CGU, which was mainly due to the negative impact of the macroeconomic scenario following the COVID-19 pandemic. This recognition did not affect the tangible book value or the solvency ratio of the BBVA Group. Since entering into the agreement for the USA Sale, the United States is no longer considered a CGU (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Sale of BBVA USA Bancshares, Inc.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 18.1 to our Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Mexico CGU</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Most of the Group&#8217;s goodwill balance corresponds to the CGU in Mexico. The impairment test used the cash flow projections estimated by the Group&#8217;s management, based on the latest budgets available for the next four years. As of December 31, 2022, the Group used a growth rate of 6.3% (5.7% as of December 31, 2021 and December 31, 2020) to extrapolate the cash flows in perpetuity starting in the fifth year, based on the real GDP growth rate of Mexico, expected inflation and the potential growth of the banking sector in Mexico. The rate used to discount cash flows is the cost of capital assigned to the CGU, 12.7% as of December 31, 2022 (14.5% as of December 31, 2021 and 15.3% as of December 31, 2020).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, if the discount rate had increased or decreased by 50 basis points, the recoverable amount would have decreased or increased by 7% and 8%, respectively (5% and 5%, respectively, as of December 31, 2021). If, as of December 31, 2022, the growth rate had increased or decreased by 50 basis points, the recoverable amount would have increased or decreased 5% and 5%, respectively (3% and 3%, respectively, as of December 31, 2021).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Turkey CGU</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the designation of Turkey as a hyperinflationary economy in the first half of 2022 and the application of IAS 29 and IAS 21, the Group determined that the book value of the Turkish CGU exceeded the existing recoverable value as of December 31, 2021 and, thus, goodwill corresponding to the Turkey CGU was derecognized and other intangible assets assigned to the Turkish CGU were written off. See Note 2.2.19 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to such derecognition, the Group carried out impairment tests using the cash flow projections estimated by the Group&#8217;s management, based on the latest budgets available for the next five years. As of December 31, 2021, the Group used a growth rate of 7.0% (the same rate was considered as of December 31, 2020) to extrapolate the cash flows in perpetuity starting in the fifth year, based on the real GDP growth rate of Turkey and expected inflation in Turkey. The rate used to discount cash flows is the cost of capital assigned to the CGU, 27.7% as of December 31, 2021 (21.0% as of December 31, 2020), which consists of the risk free rate plus a risk premium. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 if the discount rate had increased or decreased by 50 basis points, the recoverable amount would have decreased or increased by &#8364;84 million and &#8364;88 million, respectively (&#8364;164 million and &#8364;175 million, respectively, as of December 31, 2020). If, as of December 31, 2021, the growth rate had increased or decreased by 50 basis points, the recoverable amount would have increased or decreased by &#8364;14 million and &#8364;13 million, respectively (&#8364;29 million and &#8364;26 million, respectively, as of December 31, 2020).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">United States CGU</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As mentioned above, since entering into the agreement for the USA Sale, the United States is no longer considered a CGU. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of March 31, 2020, the Group used a growth rate of 3.0% to extrapolate the cash flows in perpetuity starting in the fifth year, based on the real GDP growth rate of the United States, the expected inflation and the potential growth of the banking sector in the United States. The GDP growth rate was lower than the historical average nominal GDP growth rate of the United States for the past 30 years and lower than the real GDP growth rate forecasted by the IMF. The rate used to discount cash flows was the cost of capital assigned to the CGU, 10.3% as of March 31, 2020, which consisted of the risk free rate plus a risk premium.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of March 31, 2020 if the discount rate had increased or decreased by 50 basis points, the recoverable amount would have decreased or increased by &#8364;755 million and &#8364;869 million, respectively. If, as of March 31, 2020, the growth rate had increased or decreased by 50 basis points, the recoverable amount would have increased or decreased by &#8364;270 million and &#8364;235 million, respectively.</span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the exception of the United States CGU discussed above, the recoverable amounts of all the CGUs were in excess of their carrying value as of December 31, 2022, December 31, 2021 and December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">82</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_181"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> Insurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The methods and techniques used to calculate the mathematical reserves for insurance contracts mainly involve the valuation of the estimated future cash flows, discounted at the technical interest rate for each contract. Changes in insurance mathematical reserves may occur in the future as a consequence of changes in interest rates and other key assumptions. See Notes 2.2.8 and 23 to our Consolidated Financial Statements, which contain a summary of our significant accounting policies and assumptions about our most significant insurance contracts.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Post-employment benefits and other long term commitments to employees</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pension and post-retirement benefit costs and credits are based on actuarial calculations. Inherent in these calculations are assumptions including discount rates, rate of salary increase and expected return on plan assets. Changes in pension and post-retirement costs may occur in the future as a consequence of changes in interest rates, expected return on assets or other assumptions. See Notes 2.2.11 and 25 to our Consolidated Financial Statements, which contain a summary of our significant accounting policies about pension and post-retirement benefit costs and credits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax assets and liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expenses on corporate income tax applicable to the BBVA Group&#8217;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized in the consolidated income statement, except when they result from transactions on which the profits or losses are recognized directly in equity, in which case the related tax effect is also recognized in equity. The total corporate income tax expense is calculated by aggregating the current tax arising from the application of the corresponding tax rate as per the tax base for the year (after deducting the tax credits or discounts allowable for tax purposes) and the change in deferred tax assets and liabilities recognized in the consolidated income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deferred tax assets and liabilities include temporary differences, defined as the amounts to be payable or recoverable in future years arising from the differences between the carrying amount of assets and liabilities and their tax bases (the &#8220;tax value&#8221;), and tax loss and tax credit or discount carry forwards. These amounts are calculated by applying to each temporary difference the tax rates that are expected to apply when the asset is realized or the liability settled. See Notes 2.2.9 and 19 to our Consolidated Financial Statements, which contain a summary of our significant accounting policies about tax assets and liabilities.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">83</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_184"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.   Operating Results</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_187"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Trends in Exchange Rates</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are exposed to foreign exchange rate risk in that our reporting currency is the euro, whereas certain of our subsidiaries and investees have different functional and accounting currencies, principally the Mexican peso, Turkish lira, Argentine peso, Colombian peso, Peruvian sol and U.S. dollar. For example, if these currencies depreciate against the euro, when the results of operations of our subsidiaries in the countries using these currencies are included in our consolidated financial statements, the euro value of their results declines, even if, in local currency terms, their results of operations and financial condition have remained the same. By contrast, the appreciation of these currencies against the euro would have a positive impact on the results of operations of our subsidiaries in the countries using these currencies when their results of operations are included in our consolidated financial statements. Accordingly, changes in exchange rates may limit the ability of our results of operations, stated in euro, to fully show the performance in local currency terms of our subsidiaries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Except with respect to hyperinflationary economies, where all the components of the financial statements (including income statement items) of the relevant subsidiaries (in each case, for any period in which the relevant economy was considered to be hyperinflationary) are converted at the relevant period-end exchange rate, the assets and liabilities of our subsidiaries which maintain their accounts in currencies other than the euro have been converted to the euro at the period-end exchange rates for inclusion in our Consolidated Financial Statements, and income statement items have been converted at the average exchange rates for the period. See Note 2.2.19 to our Consolidated Financial Statements for information on the application of IAS 29 to hyperinflationary economies. The following table sets forth the exchange rates of the currencies of the main non-euro regions where we operate against the euro, expressed in local currency per &#8364;1.00 as averages for the years ended December 31, 2022, 2021 and 2020 and as period-end exchange rates as of December 31, 2022, 2021 and 2020 according to the European Central Bank (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ECB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Exchange Rates</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Period-End Exchange Rates</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31, 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mexican peso</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.1889</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23.9842</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24.5301</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.8560</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23.1438</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24.4160</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Turkish lira (1)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.5067</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.0501</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.9649</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.2335</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.1131</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">U.S. dollar</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.0532</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.1827</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.1418</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.0666</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.1326</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.2271</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Argentine peso</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">188.5144</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">116.3746</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">103.2543</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Colombian peso</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,469.0788</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,427.3611</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,216.8126</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,130.5593</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,509.0618</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,212.0208</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Peruvian sol</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.0309</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.5867</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.9923</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.0572</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.5045</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.4470</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">With respect to 2022, income statement items have been converted at the exchange rate as of December 31, 2022. With respect to 2021, income statement items have been converted at the average exchange rates for the period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022, the Mexican peso, the U.S. dollar and the Peruvian sol appreciated against the euro in average terms compared with the average exchange rates in the prior year. On the other hand, the Colombian peso depreciated against the euro in average terms compared with the prior year. In terms of period-end exchange rates, the Mexican peso, the U.S. dollar and the Peruvian sol appreciated against the euro. On the other hand, the Turkish lira, the Argentine peso and the Colombian peso depreciated against the euro in terms of period-end exchange rates. The overall effect of changes in exchange rates was slightly negative for the period-on-period comparison of the Group&#8217;s income statement and balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2021, foreign exchange markets were affected by the COVID-19 pandemic, which generally had an adverse impact on currencies of emerging economies. The Turkish lira, the U.S. dollar, the Argentine peso, the Colombian peso and the Peruvian sol depreciated against the euro in average terms compared with average exchange rates in the prior year. On the other hand, the Mexican peso appreciated against the euro in average terms. In terms of period-end exchange rates, the Turkish lira, the Argentine peso, the Colombian peso and the Peruvian sol depreciated against the euro. On the other hand, the Mexican peso and the U.S. dollar appreciated against the euro in terms of period-end exchange rates. The overall effect of changes in exchange rates was negative for the period-on-period comparison of the Group&#8217;s income statement and balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When comparing two dates or periods in this annual report on Form 20-F we have sometimes excluded, where specifically indicated, the impact of changes in exchange rates by assuming constant exchange rates. In doing this, with respect to income statement amounts, we have used the average exchange rate for the more recent period for both periods and, with respect to balance sheet amounts, we have used the closing exchange rate of the more recent period for both period ends.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">84</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2021, BBVA announced a voluntary takeover bid (VTB) addressed to the holders of the 2,106,300,000 shares</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">6</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> of Garanti BBVA not controlled by BBVA, which represented 50.15% of Garanti BBVA&#8217;s total share capital. BBVA submitted for authorization an application of VTB to the supervisor of the securities markets in Turkey (CMB) on November 18, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 31, 2022, CMB approved the relevant information memorandum and on the same day BBVA announced the start of the VTB acceptance period on April 4, 2022. On May 18, 2022, BBVA announced the finalization of the offer acceptance period, with the acquisition of 36.12% of Garanti BBVA&#8217;s share capital. The total amount paid by BBVA was approximately 22,758 million Turkish lira (equivalent to approximately &#8364;1,390 million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">7</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> including the expenses associated with the transaction and net of the collection of the dividends corresponding to the stake acquired). The transaction has resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29, see Note 2.2.19 to our Consolidated Financial Statements). An amount of &#8364;3,609 million has been recorded under the heading &#8220;Other reserves&#8221; and there was a reclassification to &#8220;Accumulated other comprehensive income (loss)&#8221; corresponding to the 36.12% acquired from &#8220;Minority interests&#8221; to &#8220;Accumulated other comprehensive income (loss)&#8221; of the parent company amounting to a loss of &#8364;2,685 million. The total derecognition associated with the transaction of the heading &#8220;Minority interests&#8221; considering &#8220;Other items&#8221; and &#8220;Accumulated other comprehensive income (loss)&#8221; amounted to a loss of &#8364;2,541 million. The percentage of total share capital of Garanti BBVA owned by BBVA (after the completion of the VTB on May 18) is 85.97%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Designation of Turkey as a Hyperinflationary Economy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since the first half of 2022, the Turkish economy is considered hyperinflationary, resulting in the Group having applied hyperinflation accounting in accordance with IAS 29 &#8220;Financial reporting in hyperinflationary economies&#8221; in respect thereof with effect from January 1, 2022 with respect to the financial statements of the BBVA Group&#8217;s entities located in Turkey</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">8</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. In addition, all the components of the financial statements of such entities (including income statement items) (in each case, for any period in which the Turkish economy was considered to be hyperinflationary) are converted at the relevant period-end exchange rate for inclusion in our Consolidated Financial Statements, and the resulting conversion differences are recorded within &#8220;Accumulated other comprehensive income (loss)&#8221; as stated in IAS 21. The net result derived from the application of IAS 29 and IAS 21 in Turkey for the year ended December 31, 2022 amounts to a loss of &#8364;2,711 million, of which &#8364;1,793 million is attributed to the parent company of the Group. This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;2,323 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement, partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,490 million, given that, under IAS 29, these types of bonds are considered protective assets. See Note 2.2.19 to our Consolidated Financial Statements for information on the application of IAS 29 and IAS 21 to hyperinflationary economies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first application of IAS 29 in the Turkish subsidiaries led to an increase in equity of &#8364;130 million as of January 1, 2022, and is mainly the result of the revaluation of tangible assets and inflation-linked bonds. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Purchase of Tree Inversiones Inmobiliarias, SOCIMI, S.A.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 15, 2022, BBVA completed the acquisition of Tree Inversiones Inmobiliarias, SOCIMI, S.A., a real estate vehicle, from Merlin Properties for an amount of &#8364;1,988 million. The transaction resulted in a &#8364;201 million loss (net of taxes) which has been recognized under the headings &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; (&#8364;134 million loss) and &#8220;Tax expense or income related to profit or loss from continuing operations&#8221; (&#8364;67 million expense) of the BBVA Group and in the line item &#8220;Profit / (loss) from discontinued operations, net and Other&#8221; of the Spain operating segment (see Note 17 to our Consolidated Financial Statements).</span></div><div style="border-bottom:1pt solid black;margin-bottom:5pt;margin-top:10pt;width:150pt"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">6</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:130%">  All references to &#8220;shares&#8221; or &#8220;share&#8221; shall be deemed made to lots of 100 shares, which is the trading unit in which Garanti BBVA shares are listed at Borsa Istanbul.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">7</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">  Using the effective exchange rate of 16.14 Turkish lira per euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">8</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">  </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:130%">IAS 29 does not apply to the operations outside Turkey of the T&#252;rkiye Garanti Bankas&#305; A.&#350;. group of companies, and in particular to the financial statements of Garanti Bank S.A. in Romania and GarantiBank International N.V. in the Netherlands.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">85</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Macroeconomic and geopolitical conditions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group is sensitive to the deterioration of economic conditions or the alteration of the institutional environment of the countries in which it operates, and especially Spain, Mexico and Turkey. In addition to the significant macroeconomic problems triggered by the COVID-19 pandemic, the global economy is currently facing a number of extraordinary challenges. Russia&#8217;s invasion of Ukraine has led to significant disruption, instability and volatility in global markets, as well as higher inflation (including by contributing to further increases in the prices of oil and gas, in particular in Spain and Turkey, and other commodities and further disrupting supply chains) and lower growth. The European Union, the United States and other governments have imposed significant sanctions and export controls against Russia and Russian interests and threatened additional sanctions and controls. For additional information on the deteriorating economic environment, see &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Operating Environment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the year ended December 31, 2022, the Group&#8217;s business has been particularly affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, which have contributed to positive increases in net interest income, offset in part by the rise in funding costs (in particular, in Mexico, South America and Spain). Increases in interest rates could adversely affect the Group in future periods by reducing the demand for credit, limiting its ability to generate credit for its clients and leading to an increase in the default rate of its counterparties or restructuring of its debt, which could cause the Group significant losses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Further, the Group&#8217;s results of operations have been affected by the record-high inflation in all countries in which BBVA operates, especially Turkey and South America. In particular, the Turkish economy been considered hyperinflationary since the first half of 2022. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Inflation has led to higher expenses and its effects have been considered on the macroeconomic forecasts used to calculate expected credit losses of the BBVA Group for the year ended December 31, 2022. On the other hand, inflation-linked bonds in Turkey have positively contributed to the results of operations of the BBVA Group during the year ended December 31, 2022. Further, there can be no assurance that adverse developments in the Turkish economy and institutional and regulatory environment will not have a material adverse effect on the Group&#8217;s business, financial condition and results of operations in Turkey. The Central Bank of Turkey has strengthened its macroprudential policy toolkit and revised the reserve requirement regulation. With this new regulation, reserve requirements, which used to apply to the liability side of balance sheets, also applies to the asset side of balance sheets, including Turkish lira-denominated commercial cash loans (subject to certain exceptions). See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Principal Markets&#8212;Turkey</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The COVID-19 pandemic </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The COVID-19 pandemic has adversely affected the world economy, and economic activity and conditions in the countries in which the Group operates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The impact of the COVID-19 pandemic on the Group&#8217;s results generally improved with the progressive lessening of restrictions and the reopening of its branches since the first half of 2021 and, in particular, had a greater impact on the Group&#8217;s results for the years ended December 31, 2020 and 2021, than on the Group&#8217;s results for the year ended December 31, 2022. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the outbreak of the pandemic, the Group experienced a decline in its activity. Further, the COVID-19 pandemic and the ensuing deterioration of economic conditions led to an increase in loan losses from both companies and individuals, which was slowed down by the impact of government support measures, including bank payment deferrals, credit with public guarantee and direct aid measures. Among other challenges, the countries in which the Group operates have had to deal with supply disruptions and increasing inflationary pressures. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group has been and may continue to be affected by the measures or recommendations adopted by regulatory authorities in the banking sector as a result of the COVID-19 pandemic, including but not limited to, the variations in the modification of prudential requirements, restrictions on the distribution of dividends, changes to the terms of payment deferral measures for bank customers (such as those included in Royal Decree Law 11/2020 in Spain, as well as in the CECA-AEB agreement (as defined below) to which BBVA has adhered and which, among other things, allows loan debtors to extend maturities and defer interest payments), the implementation of credit programs supported by public guarantees for corporates, SMEs and self-employed individuals, changes in reference interest rates, as well as changes in the financial asset purchase programs and the availability of ECB funding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For additional information on the measures adopted by the Group and the measures or recommendations adopted by regulatory authorities in the banking sector as a result of the COVID-19 pandemic, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Measures adopted in light of the COVID-19 pandemic</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Pronouncements of regulatory bodies and supervisors regarding COVID-19</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; below.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">86</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Measures adopted in light of the COVID-19 pandemic</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since the beginning of the pandemic, the Group offered payment deferrals to its customers in all geographical areas in which it operates. These measures were driven both by government-led initiatives (typically reflected in local laws and regulation) and non-legally-imposed initiatives (based on sectorial or individual schemes), aimed at mitigating the effects of COVID-19. Generally, the payment of principal and/or interest has been deferred without there being lease modifications in accordance with IFRS 16 (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 16 &#8211;Leases &#8211; COVID-19 modifications</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and these deferrals were given for a period of less than one year to customers in all categories. The measures and recommendations adopted by regulatory authorities in the banking sector impacted the calculation of expected credit risk losses under IFRS 9 of the BBVA Group in 2020, by considering the economic situation caused by the COVID-19 pandemic as transitory. Further, the Group has granted loans to corporates, SMEs and self-employed individuals with government guarantees under State guarantee programs adopted as a result of COVID-19. See Note 7.2 to the Consolidated Financial Statements for information on the amount of loans with payment deferrals (both existing/unexpired and completed/expired) under EBA standards and those with financing granted with public guarantees at a Group level, as well as the number of customers which have benefited from such measures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deferrals support schemes (in terms of new deferrals) have expired in all geographical areas. Measures related to new government-guaranteed loans remained in force in Spain and Peru in 2022, and new government-guaranteed financing was also granted in Turkey, Colombia and Argentina. In addition, in Spain, Royal Decree-Law 19/2022, of November 22, was published, introducing a set of measures to reinforce the protection of vulnerable mortgage debtors, given the rise in interest rates and inflation. Among others, the Royal Decree-Law introduces a new Code of Good Practices on a transitional basis for the restructuring of the mortgage debt of middle-class mortgagors at risk due to rising interest rates and adopts other measures to make subrogation easier for any consumer, or to convert variable rate loans to fixed rate, as well as to encourage competition in the mortgage loan market. BBVA has adhered to the new Code of Good Practices with effect from January 1, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, in accordance with recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend distributions during the COVID-19 pandemic, the Board of Directors of BBVA resolved to modify for the financial year corresponding to 2020 the dividend policy of the Group, announced on February 1, 2017 by means of a Relevant Information filing with the CNMV, determining as new policy for 2020 not to pay any dividend amount corresponding to 2020 until the uncertainties caused by COVID-19 disappear and, in any case, not before the end of such fiscal year. On July 27, 2020, the ECB prolonged this recommendation until January 1, 2021 by adopting recommendation ECB/2020/35. On December 15, 2020 the ECB issued recommendation ECB/2020/62, repealing its recommendation of July 2020, and recommending that significant credit institutions (which would include the Group) exercise extreme prudence when deciding on or paying out dividends or carrying out share buy-backs aimed at remunerating shareholders. On July 23, 2021, the ECB issued recommendation 2021/31 repealing recommendation ECB/2020/62 as from September 30, 2021. Recommendation ECB/2021/31 establishes that the ECB will assess banks&#8217; capital, dividend distribution and share buybacks plans on an individual basis in the context of the normal supervisory cycle, and repeals any further restrictions on dividends and share buybacks contained in recommendation ECB/2020/62. For additional information, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Pronouncements of regulatory bodies and supervisors regarding COVID-19</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the aim of mitigating the impact of COVID-19, various European and international bodies made pronouncements to be taken into account in the implementation of the accounting and prudential frameworks applicable to financial institutions. The Group has taken these pronouncements into consideration when preparing its Consolidated Financial Statements. In particular, the ECB and the EBA adopted relief measures regarding asset quality deterioration and non-performing loans. Further, Regulation (EU) 2020/873 of the European Parliament and of the Council of June 24, amending the CRR, as regards certain adjustments in response to the COVID-19 pandemic (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRR Quick Fix</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), contained a number of adjustments to the CRR to facilitate lending by banks as a response to the COVID-19 crisis, which has impacted the calculation of the leverage ratio of the BBVA Group by including the effect of the temporary exemption of certain positions with central banks provided for in the CRR-Quick fix.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">87</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Agreement on the Collective Layoff Procedure</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 8, 2021, BBVA reached an agreement with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain on April 13, 2021, which would affect a maximum of 2,935 employees. The agreement also included the closing of 480 offices (all closed as of June 30, 2022). Ultimately, by the time the procedure was over, 2,899 employees had accepted the agreement and effectively departed BBVA. The cost of the process amounted to a &#8364;994 million expense before taxes for the year ended December 31, 2021 (&#8364;754 million corresponding to the collective layoff and &#8364;240 million to the closing of offices, respectively) which was recognized under the headings &#8220;Provisions or reversal of provisions and other results&#8221;, &#8220;Impairment or reversal of impairment on non-financial assets&#8221; and &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; of the BBVA Group and under the heading &#8220;Profit / (loss) from discontinued operations, net and Other&#8221; of the Corporate Center. See Note 24 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">USA Sale</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 1, 2021, after obtaining the relevant regulatory authorizations from the competent authorities, BBVA completed the USA Sale. The consideration received in cash by BBVA as a consequence of the USA Sale amounted to approximately $11,500 million (the price provided in the agreement minus the agreed closing price adjustments) equivalent to approximately &#8364;9,600 million (at an exchange rate of $1.20 per euro).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The results obtained by BBVA USA Bancshares, Inc. were consolidated in the Group&#8217;s results during the first five months of 2021, until completion of the USA Sale on June 1, 2021, and for all of 2020 under &#8220;Profit / (loss) from discontinued operations, net&#8221;. The accounting for both the results generated by BBVA USA Bancshares, Inc. in the first five months of 2021 and the gain on sale at closing of the transaction resulted in a cumulative profit net of taxes of &#8364;280 million in the year ended December 31, 2021, which was recorded under the heading &#8220;Profit / (loss) from discontinued operations, net&#8221;, and in a positive impact on the BBVA Group&#8217;s Common Equity Tier 1 (fully loaded) ratio of approximately 294 basis points as of December 31, 2021. See Notes 3 and 21 to our Consolidated Financial Statements and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sale of the BBVA Group&#8217;s stake in Paraguay</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 22, 2021 and after obtaining the relevant regulatory authorizations from the competent authorities, BBVA completed the sale of 100% of the share capital in its subsidiary BBVA Paraguay to Banco GNB Paraguay S.A., an affiliate of Grupo Financiero Gilinski. The total amount received by BBVA amounted to approximately $250 million (approximately &#8364;210 million) in cash. The transaction resulted in a loss of approximately &#8364;9 million net of taxes and has increased the Group&#8217;s CET1 (fully loaded) ratio by approximately 6 basis points in 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Agreement for the alliance with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On April 27, 2020, BBVA reached an agreement with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. to create a bancassurance joint venture in Spain including a long-term exclusive distribution agreement for the sale of non-life insurance products, excluding the health insurance business, through BBVA&#8217;s branch network in Spain. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 14, 2020, after obtaining the relevant regulatory approvals from the competent authorities, BBVA Seguros transferred to Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A., 50% of the share capital plus one share in BBVA Seguros Generales and completed the transaction. BBVA Seguros received a cash payment of &#8364;274 million. Prior to that, BBVA transferred its non-life insurance business in Spain, excluding the health insurance business, to BBVA Seguros Generales. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> This transaction resulted in a profit net of taxes of approximately &#8364;304 million and increased the Group&#8217;s CET1 (fully loaded) ratio by 7 basis points for the year ended December 31, 2020. Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. may need to make an additional payment to BBVA of up to &#8364;100 million if certain business goals and milestones are met. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">88</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_190"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Operating Environment</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our results of operations are dependent, to a large extent, on the level of demand for our products and services (primarily loans and deposits but also intermediation of financial products such as sovereign or corporate debt) in the countries in which we operate. Demand for our products and services in those countries is affected by the performance of their respective economies in terms of Gross Domestic Product (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GDP</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), as well as prevailing levels of employment, inflation and, particularly, interest rates. Typically, the demand for loans and saving products correlates positively with income, which correlates in turn with GDP, employment and corporate profits evolution. Interest rates have a direct impact on banking results as the banking activity mainly relies on the generation of positive interest margins by paying lower interest on liabilities, primarily deposits, than the interest received on assets, primarily loans. However, it should be noted that higher interest rates, all else being equal, also reduce the demand for banking loans, increase the cost of funding of the banking business and typically lead to an increase in default rates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The global economy has slowed down throughout 2022, in an environment marked by strong inflationary pressures, an aggressive tightening of monetary conditions, the negative impact of the war in Ukraine and lower growth in China.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Despite the moderation trend, economic growth has exhibited a certain resilience and has generally been higher than expected by most analysts due to previously accumulated savings, the normalization of activity following the restrictions and disruptions generated by the COVID-19 pandemic, as well as the dynamism of the labor markets, which have contributed, in particular, to the positive performance of private consumption and the services sector.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Inflation has remained at high levels in 2022. However, after surging upwards for most of the year, it has begun to moderate in recent months, in line with the slowdown in aggregate demand, the recent moderation of energy prices and the process of normalization of global supply chains. In annual terms, inflation reached 6.5% in the United States and 9.2% in the Eurozone at the end of the year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In this context of still high inflationary pressures, central banks have continued to tighten monetary conditions. In the United States, the Federal Reserve (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fed</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) has increased reference interest rates to 4.5% in December (425 basis points higher than the level at the beginning of 2022) and has maintained in place the program to sell assets and reduce the size of its balance sheet. It has also indicated that interest rates will continue to be adjusted upwards in the coming months. In the Eurozone, the ECB has raised interest rates for its refinancing operations to 2.5% in December (250 basis points higher than the level at the beginning of 2022), it has tightened the conditions of its TLTROs (targeted longer-term refinancing operations), which provide financing to credit institutions, and has indicated that it could soon launch an asset selling program. Further increases were announced by the Fed (0.25 basis points) and the ECB (0.5 basis points) on February 1 and February 2, 2023, respectively, and further adjustments are expected to be announced in the coming months.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In a highly uncertain environment, the baseline scenario of BBVA Research considers that the global economy will continue to slow down in the near future, with possible episodes of recession in the Eurozone and the United States. This expected slowdown in growth would be mainly attributable to the significant tightening of monetary conditions (official interest rates are expected to reach around 5.0% in the United States and 3.75% in the Eurozone in the coming months, and to remain unchanged until, at least, the end of 2023) and still high inflation, which, however, will likely slow down progressively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to BBVA Research, after increasing by 6.3% in 2021 and around 3.3% in 2022, global GDP will grow by just 2.3% in 2023. In the United States, growth is estimated to have dropped to 1.9% in 2022 and is expected to be around 0.5% in 2023, when the strong monetary adjustment could generate a mild recession. In the Eurozone, slight drops in GDP are likely in the coming quarters, mainly due to the disruptions created by the war in Ukraine, including high gas prices. Annual growth in the region is expected to be around 3.2% in 2022 and -0.1% in 2023. In China, after having grown 3.0% in 2022, GDP growth is expected to reach 5.0% in 2023, but the increase in infections following the recent easing of COVID-19 policies and the financial tensions caused by the imbalances in real estate markets could trigger lower-than-expected economic growth.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The risks around this baseline scenario are significant. In particular, a greater persistence of inflation could unleash even more severe rises in interest rates, and therefore a deeper and more generalized recession, as well as financial volatility.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">89</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Spain, despite the war in Ukraine and the ongoing tightening monetary conditions, economic activity has continued to exhibit dynamism in the second half of 2022, while inflation has recently shown signs of slowing down, in line with lower prices of energy. According to BBVA Research, GDP increased by an estimated 5.5% in 2022, more than one decimal point above the previous forecast. The increases in interest rates by the ECB, the disruptions in the gas market and the global and European slowdown will likely cause an economic moderation and GDP in 2023 is expected to grow around 1.4%, 0.4 percentage points less than previously expected by BBVA Research. Inflation, which closed the year at 5.7% after exceeding the 10.0% threshold in the middle of the year, is expected to moderate to around 3.5% on average in 2023, still above the 2% ECB target.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Mexico, based on the available data, economic growth has surprised to the upside in the second half of 2022, keeping the relative dynamism observed in the first half of the year. GDP growth for the year was an estimated 3.0%, according to BBVA Research (one percentage point above the previous forecast). Likewise, the prospects for moderation for 2023 remain in place: GDP is expected to expand by 0.6% in 2023 (one percentage point less than the previous forecast). Economic growth is expected to slow down as a result of the expected slowdown in the United States, high inflation, which after closing 2022 at 7.8% could average around 5.1% in 2023, and high official interest rates, which could soon reach 10.75%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Turkey, economic activity has lost dynamism in the second half of the year, after surging upwards in the first half of the year, in an environment marked by increasing fiscal and monetary stimuli. According to BBVA Research, GDP grew by an estimated 5.5% in 2022, half a percentage point more than forecasted six months ago. Still, the relative strength of demand, the high commodity prices, as well as the strong depreciation of the Turkish lira in a context of negative interest rates in real terms (even more so after the recent interest rate cuts announced by the central bank) have contributed to keeping inflation at particularly high levels (64.3% in December). According to BBVA Research estimates, growth could moderate to 3.0% in 2023, reducing, to a certain extent, the high pressures on inflation and external accounts. However, the economic environment is highly unstable, given the combination of high inflation, very negative real interest rates, economic policy uncertainty, pressure on the Turkish lira, high external financing needs and the current global and regional context.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Argentina, despite the less favorable global context and the local environment marked by the difficulty in addressing the current macroeconomic distortions and meeting the objectives established in the loan agreement reached in March with the International Monetary Fund, economic activity has shown some dynamism in 2022. The available data suggests, according to BBVA Research, that GDP grew by close to 5.0% in 2022, 2.5 percentage points more than previously expected. However, the global environment, high inflation (94.8% in December and, foreseeably, around 99% in 2023, on average), financial volatility, uncertainty about the evolution of economic policy and the limited margin to adopt new stimulus measures support expectations of a slight contraction in GDP in 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Colombia, economic activity, in general, and domestic demand, in particular, have shown greater dynamism than expected in recent months; as a result, growth in 2022 is estimated to be 8.0%, above BBVA Research&#8217;s previous forecast of 6.8%. High inflation (13.1% in December) has contributed to the Banco de la Rep&#250;blica raising interest rates to 12.0% in December. In this context, and taking into account financial volatility and uncertainty about economic policy, BBVA Research estimates that interest rates will rise further in the short term, reaching around 13.0%, inflation is expected to remain relatively high in 2023 (11.7%, on average) and growth is expected to slow significantly to around 0.7% in 2023 (more than one percentage point below the forecast in June of 2022).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In Peru, against a backdrop of political instability, which could have a negative impact on economic activity, recent indicators suggest that GDP is estimated to have grown around 2.7% in 2022, seven decimal points above BBVA Research&#8217;s previous forecast. Uncertainty about future policies, high inflation and interest rates and the global economic slowdown are expected to weigh negatively on growth going forward. BBVA Research expects growth to be around 2.5% in 2023, three decimal points below the value expected six months ago. Inflation will likely remain high in 2023 (around 6.4%, on average), while official interest rates are expected to converge to around 8.0% in the coming months.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">90</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2602"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Group results of operations for 2022 compared to 2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below shows the Group&#8217;s consolidated income statements for 2022 and 2021.  </span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.835%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.923%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,432</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(12,279)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8,329)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">47.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">19,153</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,686</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">30.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dividend income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">123</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(29.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,997</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,907)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,232)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(35.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exchange differences, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,275</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">883</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">528</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">661</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,438)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,041)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">68.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,103</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,593</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,892)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,685)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24,890</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">21,066</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">18.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(9,432)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8,296)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Personnel expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,612)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,046)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other administrative expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,820)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,249)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,328)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,234)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,130</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,536</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">22.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(291)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,018)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(71.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,379)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,034)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(27)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(221)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(87.7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net and Impairment or reversal of impairment of investments in joint ventures and associates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28.1</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(108)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(40)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">167.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">10,356</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,247</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">42.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,529)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,909)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">84.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,827</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,338</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">27.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">280</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,827</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,618</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">21.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,420</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,653</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></td><td colspan="3" style="border-bottom:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="border-bottom:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">965</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(57.8)</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Comprises the following income statement line items contained in the Consolidated Financial Statements: &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221; and &#8220;Gains (losses) from hedge accounting, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">91</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The changes in our consolidated income statements for the years ended December 31, 2022 and 2021 were as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes net interest income for the years ended December 31, 2022 and 2021.</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:50.363%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.081%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">31,432</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">23,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">36.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(12,279)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(8,329)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">47.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">19,153</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">14,686</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">30.4</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income for the year ended December 31, 2022 amounted to &#8364;19,153 million, a 30.4% increase compared with the &#8364;14,686 million recorded for the year ended December 31, 2021, as interest and other income increased by 36.6% due mainly to the increase in yields and volumes (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Selected Statistical Information&#8212;Average Balances and Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) of corporate loans and retail loans, partially offset by an increase in interest expense of 47.4%, mainly driven by higher overall funding costs. The positive income generated by the funds obtained from drawdowns of the ECB&#8217;s TLTRO III facilities was recorded under interest and other income, while the borrowing costs of the drawdowns of the TLTRO III facilities were recorded under interest expense. By region, the increase in net interest income was the result of increases in net interest income in the main non-euro countries where the BBVA Group operates (as described below). At constant exchange rates, net interest income increased by 35.8%. The following factors, set out by region, were the main contributors to the 30.4% increase in net interest income:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Mexico: there was a 43.6% increase mainly as a result of the higher contribution from our loan portfolio, in particular, the corporate and retail portfolios, which has increased both in terms of volume and yield, supported by the appreciation of the Mexican peso against the euro and, with respect to the yield, a higher interest rate environment, partially offset by higher funding costs as a result of the increase in interest rates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">South America: there was a 44.7% increase mainly as a result of increases in the yield of the wholesale loan portfolio and in the volume of the consumer loan portfolio in Colombia, higher retail loan volume in Peru and, to a lesser extent, the increase in the volume and yield of retail loans and sovereign debt securities in Argentina, within an overall high interest rate environment, partially offset by higher funding costs and the depreciation of the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Turkey: there was an 11.0% increase mainly as a result of the higher yield and volume of Turkish lira-denominated loans to enterprises and credit card loans and the increase in volume of sovereign debt securities, as a result in part of the Turkish liraization strategy implemented by the CBRT, partially offset by the depreciation of the Turkish lira against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Spain: there was an 8.0% increase mainly as a result of the higher yield and volume of the corporate and SMEs loan portfolios, supported by the higher interest rate environment, partially offset by higher funding costs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Dividend income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dividend income for the year ended December 31, 2022 amounted to &#8364;123 million, a 29.8% decrease compared with the &#8364;176 million recorded for the year ended December 31, 2021, mainly as a result of lower dividend income in Spain, particularly in connection with the non-trading portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method for the year ended December 31, 2022 amounted to income of &#8364;21 million, compared with the income of &#8364;1 million recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">92</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fee and commission income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of fee and commission income for the years ended December 31, 2022 and 2021:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bills receivables</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand accounts</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">424</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">425</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(0.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit and debit cards and POS</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,499</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,628</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Checks</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">162</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">136</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transfers and other payment orders</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">812</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">664</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Insurance product commissions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">215</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">234</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other commitments and financial guarantees given</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">420</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">364</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Asset management</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,228</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,250</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1.7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securities fees</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">267</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(0.7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Custody securities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">193</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">169</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">711</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">622</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fee and commission income</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8,261</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,997</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">18.1</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fee and commission income increased by 18.1% to &#8364;8,261 million for the year ended December 31, 2022 from the &#8364;6,997 million recorded for the year ended December 31, 2021, primarily due to the increased volume of transactions in the main countries where the BBVA Group operates, in particular, credit cards in Mexico and South America, the higher banking and payment systems fees, in particular, in Mexico, Argentina and Peru, and the appreciation of the Mexican peso against the euro, partially offset by the depreciation of the Turkish lira and the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fee and commission expense</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The breakdown of fee and commission expense for the years ended December 31, 2022 and 2021 is as follows:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:62.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.074%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand accounts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit and debit cards</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,884</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,427</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transfers and other payment orders</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">133</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">120</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Commissions for selling insurance</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Custody securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">574</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,907</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,232</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">30.3</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fee and commission expense increased by 30.3% to &#8364;2,907 million for the year ended December 31, 2022 from the &#8364;2,232 million recorded for the year ended December 31, 2021, primarily due to the increased volume of transactions in the main countries where the BBVA Group operates, in particular, credit cards, the higher banking and payment systems fees in Mexico and South America and the appreciation of the Mexican peso against the euro, partially offset by the depreciation of the Turkish lira and the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities decreased by 35.4% to &#8364;663 million for the year ended December 31, 2022 compared to the net gain of &#8364;1,027 million recorded for the year ended December 31, 2021, mainly due to the negative impact of changes in exchange rates on certain foreign currency positions, the lower contribution from the industrial and financial portfolios managed by the Corporate Center as part of the centralized Group functions, and the depreciation of the Turkish lira and the Argentine peso against the euro, partially offset by the positive performance of the Global Markets unit in Turkey, South America, Mexico and Spain, supported by the high-volatility environment.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">93</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of net gains (losses) on financial assets and liabilities for the years ended December 31, 2022 and 2021:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">134</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(52.1)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">109</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(46.1)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(69.8)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other financial assets and liabilities </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities held for trading, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">562</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">341</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(67)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">432</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">150</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">335</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(55.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) from hedge accounting, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(45)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(214)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(79.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">663</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(35.4)</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on derecognition of financial assets and liabilities not measured at fair value through profit or loss decreased by 52.1% to &#8364;64 million in the year ended December 31, 2022 from &#8364;134 million in the year ended December 31, 2021, mainly due to the lower contribution from the industrial and financial portfolios managed by the Corporate Center as part of the centralized Group functions, the decrease in gains associated with interest-bearing securities in Spain and the depreciation of the Turkish lira and the Argentine peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on financial assets and liabilities held for trading increased by 64.5%, to &#8364;562 million in the year ended December 31, 2022 from &#8364;341 million in the year ended December 31, 2021, mainly as a result of higher sales in the Global Markets unit in Turkey, South America, Mexico and Spain, supported by the high-volatility environment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses on non-trading financial assets mandatorily at fair value through profit or loss were &#8364;67 million in the year ended December 31, 2022, compared with the &#8364;432 million gain in the year ended December 31, 2021, primarily due to the lower gains related to the Asset Protection Scheme entered into in connection with BBVA&#8217;s acquisition of Unnim in Spain (pursuant to which the Spanish Deposit Guarantee Fund of Credit Institutions agreed to assume 80% of the losses related to certain assets of Unnim during a period of 10 years following the completion of BBVA&#8217;s acquisition of Unnim) and the depreciation of the Turkish lira and the Argentine peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on financial assets and liabilities designated at fair value through profit or loss decreased by 55.2% to &#8364;150 million in the year ended December 31, 2022 from &#8364;335 million in the year ended December 31, 2021, mainly as a result of decreased gains from loans to the Turkish government and its agencies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses from hedge accounting decreased by 79.0% to &#8364;45 million in the year ended December 31, 2022 from a &#8364;214 million loss in the year ended December 31, 2021, as a result of less negative changes in the fair value of hedged items (attributable to the hedged risk).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Exchange differences increased by 44.4% to a &#8364;1,275 million gain for the year ended December 31, 2022 from a &#8364;883 million gain for the year ended December 31, 2021, mainly as a result of the positive impact of changes in exchange rates on certain foreign currency positions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income for the year ended December 31, 2022 decreased by 20.2% to &#8364;528 million compared with the &#8364;661 million recorded for the year ended December 31, 2021, mainly as a result of the lower sales from non-financial services related to real estate and the depreciation of the Turkish lira and the Argentine peso, partially offset by the appreciation of the Mexican peso against the euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">94</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating expense for the year ended December 31, 2022 amounted to &#8364;3,438 million, a 68.5% increase compared with the &#8364;2,041 million recorded for the year ended December 31, 2021, mainly driven by the net loss on the monetary position pursuant to the adjustment for hyperinflation in Turkey amounting to &#8364;2,323 million (see &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and, to a lesser extent, the greater contributions made to the ECB&#8217;s Single Resolution Fund in Spain, higher contributions to the relevant Deposit Guarantee Funds as a result of the increase in the volume of deposits in Spain and in Mexico (in local currency), the appreciation of the Mexican peso against the euro and the higher adjustment for hyperinflation in Argentina, offset in part by the positive impact of the revaluation of the bonds linked to inflation in Turkey, for a gross amount of &#8364;1,490 million, and the depreciation of the Turkish lira and the Argentine peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income on insurance and reinsurance contracts for the year ended December 31, 2022 was &#8364;3,103 million, a 19.7% increase compared with the &#8364;2,593 million of income recorded for the year ended December 31, 2021, mainly due to the increase in insurance premiums in Mexico as a result of higher insurance sales, and the positive performance of insurance-savings products in Spain (through BBVA Seguros).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expense on insurance and reinsurance contracts for the year ended December 31, 2022 was &#8364;1,892 million, a 12.3% increase compared with the &#8364;1,685 million expense recorded for the year ended December 31, 2021, mainly as a result of the higher insurance premiums paid in Mexico, mainly driven by the increase in the volume of insurance sales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs, which include personnel expense and other administrative expense, for the year ended December 31, 2022 amounted to &#8364;9,432 million, a 13.7% increase compared with the &#8364;8,296 million recorded for the year ended December 31, 2021, mainly as a result of the higher personnel expenses and certain general expenses related to technology and marketing in Mexico and Argentina (affected by inflation). The increase was partially offset by the decrease in personnel expenses in Spain due to the collective layoff procedure launched by Banco Bilbao Vizcaya Argentaria, S.A. in 2021 and the depreciation of the Turkish lira and the Argentine peso. At a constant exchange rate, there was a 16.5% period-on-period increase.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of personnel expense for the years ended December 31, 2022 and 2021:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wages and salaries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,317</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,933</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Social security costs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">710</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">668</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Defined contribution plan expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Defined benefit plan expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11.6)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other personnel expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">454</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">325</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Personnel expense</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,612</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,046</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">11.2</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of other administrative expense for the years ended December 31, 2022 and 2021:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Technology and systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,394</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,176</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Communications </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">195</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">175</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Advertising</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">282</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">207</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Property, fixtures and materials</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">440</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">380</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.9</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Taxes other than income tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">347</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Surveillance and cash courier services</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">214</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">179</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">925</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">786</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Other administrative expense</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,820</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,249</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">17.6</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">95</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022 was &#8364;1,328 million, a 7.6% increase compared with the &#8364;1,234 million recorded for the year ended December 31, 2021, mainly due to the increases in the depreciation expense in Mexico as a result of the appreciation of the Mexican peso against the euro and the increase in the depreciation expense related to offices for own use in Mexico and to IT equipment in Mexico and, to a lesser extent, increases in the depreciation expense related to offices for own use in Turkey, offset in part by the depreciation of the Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results for the year ended December 31, 2022 amounted to an expense of &#8364;291 million, a 71.4% decrease compared with the &#8364;1,018 million expense recorded for the year ended December 31, 2021. Provisions or reversal of provisions and other results for the year ended December 31, 2021 included the cost recorded in connection with the agreement with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain, which resulted in a provision amounting to &#8364;754 million which was recognized in the Corporate Center in the line item &#8220;Profit / (loss) from discontinued operations, net and Other&#8221;. See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Agreement on the Collective Layoff Procedure&#8221;, &#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and Note 24 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification for the year ended December 31, 2022 was an expense of &#8364;3,379 million, an 11.4% increase compared with the &#8364;3,034 million expense recorded for the year ended December 31, 2021, mainly due to an overall increase in lending activity and additional credit impairment requirements in the debt securities portfolio and the loans to individuals portfolio in the main geographies where the BBVA Group operates, mainly driven by the deteriorating macroeconomic environment, which is facing a downward revision of growth expectations in an inflationary environment where there has been a generalized increase in energy commodity prices and interest rates. Such increase was partially offset by the depreciation of the Turkish lira against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification for the years ended December 31, 2022 and 2021:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">76</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,303</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,017</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,379</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,034</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11.4</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets for the year ended December 31, 2022 amounted to an expense of &#8364;27 million, an 87.7% decrease compared with the &#8364;221 million expense recorded for the year ended December 31, 2021. Impairment or reversal of impairment on non-financial assets for the year ended December 31, 2021 was mainly affected by the impairment recognized due to the closing of rented offices pursuant to the agreement reached with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain, which was recognized in the Corporate Center in the line item &#8220;Profit / (loss) from discontinued operations, net and Other&#8221;. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Agreement on the Collective Layoff Procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">96</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net and Impairment or reversal of impairment of investments in joint ventures and associates</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on derecognition of non-financial assets and subsidiaries, net and Impairment or reversal of impairment of investments in joint ventures and associates for the year ended December 31, 2022 amounted to &#8364;31 million, a 28.1% increase compared with the &#8364;24 million gain recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations for the year ended December 31, 2022 amounted to &#8364;108 million, compared with the &#8364;40 million loss recorded for the year ended December 31, 2021, and relate mainly to the acquisition by BBVA of Tree Inversiones Inmobiliarias, SOCIMI, S.A. from Merlin Properties in June 2022, which resulted in the recognition of a &#8364;134 million loss in this line item. For additional information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 4. Information on the Company&#8212;History and Development of the Company&#8212;Capital Expenditures&#8212;2022&#8212;Purchase of Tree Inversiones Inmobiliarias, SOCIMI, S.A.&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Purchase of Tree Inversiones Inmobiliarias, SOCIMI, S.A.&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and Note 17 to our Consolidated Financial Statements. The period-on-period loss increase was partially offset by higher gains from real estate sales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations for the year ended December 31, 2021 included the cost recorded in connection with the closing of offices for own use and the decommission of facilities, pursuant to the agreement reached with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain, which was recognized in the Corporate Center in the line item &#8220;Profit / (loss) from discontinued operations, net and Other&#8221;. See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212; Agreement on the Collective Layoff Procedure&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and Note 24 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax for the year ended December 31, 2022 amounted to &#8364;10,356 million, a 42.9% increase compared with the &#8364;7,247 million operating profit before tax recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations for the year ended December 31, 2022 amounted to &#8364;3,529 million, an 84.9% increase compared with the &#8364;1,909 million expense recorded for the year ended December 31, 2021, mainly due to the higher operating profit before tax, in particular in Mexico and, to a lesser extent, in Spain and South America, and the &#8364;67 million tax expense resulting from the transaction with Merlin Properties (see Note 17 to our Consolidated Financial Statements). Such tax expense was the result of the inclusion of Tree Inversiones Inmobiliarias, SOCIMI, S.A. in BBVA&#8217;s tax group and consolidation group, which resulted, among others, in limitations to the tax deductibility of impairments relating to the newly acquired branches (which were previously rented by the Group). Further, the applicable tax rate in Colombia increased to 38% for the year ended December 31, 2022 from 34% for the year ended December 31, 2021. The increase in tax expense for the year ended December 31, 2022 was partially offset by the net loss on the monetary position pursuant to the adjustment for hyperinflation in Turkey which, in turn, led to additional adjustments to the tax expense for the period due to the difference between accounting and taxable profit (see &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). In addition, the current tax regulation in Turkey does not foresee a correction in order to reduce tax expense upon the existence of a loss linked to the net monetary position. Tax expense amounted to 34.1% of operating profit before tax for the year ended December 31, 2022 and 26.3% for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">97</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit from discontinued operations for the year ended December 31, 2022 was nil compared with the &#8364;280 million profit recorded for the year ended December 31, 2021. Profit from discontinued operations for the year ended December 31, 2021 was attributable to the results generated by BBVA USA Bancshares, Inc. in the first five months of 2021 and gains generated by the USA Sale. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Sale of BBVA USA Bancshares, Inc.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 21 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit for the year ended December 31, 2022 amounted to &#8364;6,827 million, a 21.5% increase compared with the &#8364;5,618 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss) attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company for the year ended December 31, 2022 amounted to &#8364;6,420 million, a 38.0% increase compared with the &#8364;4,653 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests for the year ended December 31, 2022 amounted to &#8364;407 million, a 57.8% decrease compared with the &#8364;965 million profit attributable to non-controlling interests recorded for the year ended December 31, 2021, mainly as a result of the increase in BBVA&#8217;s stake in Garanti BBVA (from 49.85% to 85.97%) following the completion of BBVA&#8217;s voluntary takeover bid for the entire share capital of Garanti BBVA on May 18, 2022 (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">98</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_193"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA Group results of operations for 2021 compared to 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below shows the Group&#8217;s consolidated income statements for 2021 and 2020. </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.691%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,389</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8,329)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7,797)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,686</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dividend income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">137</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(39)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,997</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,980</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,232)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,857)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,187</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exchange differences, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">883</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">359</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">145.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">661</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">492</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,041)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,662)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,593</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,497</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,685)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,520)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">21,066</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20,166</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8,296)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7,799)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Personnel expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,046)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4,695)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other administrative expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,249)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,105)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,234)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,288)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,536</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,079</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,018)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(746)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,034)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,179)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(41.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(221)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(153)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net and Impairment or reversal of impairment of investments in joint ventures and associates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(197)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Negative goodwill recognized in profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(40)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">444</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,247</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,248</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">38.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,909)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,459)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,338</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,789</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">40.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">280</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,729)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,618</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,060</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">172.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,653</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,305</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">256.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></td><td colspan="3" style="border-bottom:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">965</span></td><td colspan="3" style="border-bottom:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">756</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27.7</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Comprises the following income statement line items contained in the Consolidated Financial Statements: &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221; and &#8220;Gains (losses) from hedge accounting, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">99</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The changes in our consolidated income statements for the years ended December 31, 2021 and 2020 were as follows: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes net interest income for the years ended December 31, 2021 and 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.691%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">23,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22,389</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(8,329)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(7,797)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">14,686</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">14,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">0.6</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income for the year ended December 31, 2021 amounted to &#8364;14,686 million, a 0.6% increase compared with the &#8364;14,592 million recorded for the year ended December 31, 2020, as a result of the 2.8% year-on-year increase in interest and other income, due mainly to the increase in yields (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Selected Statistical Information&#8212;Average Balances and Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), offset by an increase in interest expense of 6.8%, mainly driven by higher funding costs in Turkey. By region, the increase in net interest income was mainly the result of the increases in net interest income in Mexico and South America (as described below). At constant exchange rates, net interest income increased by 6.1%. The following factors, set out by region, were the main contributors to the 0.6% increase in net interest income:</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Mexico: there was a 7.8% increase mainly as a result of lower funding costs and the higher loan contribution (both in terms of volume and yield), in particular, due to the increase in the volume of retail loans and, to a lesser extent, the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">South America: there was a 5.8% increase mainly as a result of the increase in the volume of loans, in particular, retail loans in Argentina and Colombia and consumer and credit cards loans in Peru, which were supported by the government recovery plans, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in net interest income was partially offset by:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Turkey: there was a 14.8% decrease as a result mainly of the depreciation of the Turkish lira against the euro and, to a lesser extent, higher funding costs, partially offset by higher Turkish lira-denominated loans.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Spain: there was a 1.8% decrease mainly as a result of the lower interest rate environment and lower sales from the ALCO portfolio, partially offset by lower funding costs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Dividend income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dividend income for the year ended December 31, 2021 amounted to &#8364;176 million, a 27.9% increase compared with the &#8364;137 million recorded for the year ended December 31, 2020 mainly as a result of higher dividend income relating to Spain, particularly dividends paid by technology companies in which we invest through funds and investment vehicles.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method for the year ended December 31, 2021 amounted to income of &#8364;1 million, compared with the &#8364;39 million loss recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">100</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fee and commission income</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of fee and commission income for the years ended December 31, 2021 and 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:65.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.149%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bills receivables</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(16.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand accounts</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">425</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit and debit cards and POS</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,628</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,089</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Checks</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">136</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">136</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transfers and other payment orders</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">664</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">555</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Insurance product commissions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">215</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">159</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">234</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">185</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other commitments and financial guarantees given</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">364</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">349</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Asset management</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,250</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,100</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securities fees</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">267</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">367</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(27.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Custody securities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">169</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">135</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">622</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">556</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fee and commission income</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,997</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,980</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">17.0</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fee and commission income increased by 17.0% to &#8364;6,997 million for the year ended December 31, 2021 from the &#8364;5,980 million recorded for the year ended December 31, 2020, primarily due to the increase in payment systems and brokerage fees as a result of increased volume of transactions, especially in Mexico and Turkey, the increase in banking services, fee and commission income from asset management activities (driven both by volume and performance) and insurance product commissions in Spain, and increases in certain credit cards transactions and fees in South America (once the restrictions on mobility caused by the COVID-19 pandemic were eliminated), partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fee and commission expense</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The breakdown of fee and commission expense for the years ended December 31, 2021 and 2020 is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:65.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.149%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Demand accounts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(12.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit and debit cards</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,427</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,130</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transfers and other payment orders</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">120</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Commissions for selling insurance</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5.7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Custody securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">52</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">574</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">519</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,232</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,857</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20.2</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fee and commission expense increased by 20.2% to &#8364;2,232 million for the year ended December 31, 2021 from the &#8364;1,857 million recorded for the year ended December 31, 2020, primarily due to the higher volume of transactions as a result of the partial recovery from the COVID-19 pandemic, particularly involving payment systems and brokerage fees in Mexico and Turkey, and the removal of the temporary waiver or reduction of fees in certain regions, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities decreased by 13.5% to &#8364;1,027 million for the year ended December 31, 2021 compared to the net gain of &#8364;1,187 million recorded for the year ended December 31, 2020, mainly due to decreased sales in the Global Markets unit in Mexico as a result of increased volatility in the financial markets, decreased securities&#8217; sales within the ALCO portfolio in Mexico and Spain, the decreased valuation of the BBVA Group&#8217;s stake in Prisma Medios de Pago, S.A. in Argentina and the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro, partially offset by the gains generated by trading transactions in Turkey and the positive performance of the Global Markets units in Turkey and Spain.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">101</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of net gains (losses) on financial assets and liabilities for the years ended December 31, 2021 and 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:65.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.149%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">134</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3.9)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">109</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">114</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4.3)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">106</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(74.2)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other financial assets and liabilities </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(81)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(97.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities held for trading, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">341</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">777</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(56.1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">432</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">208</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">107.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">335</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains (losses) from hedge accounting, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(214)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,027</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,187</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(13.5)</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on derecognition of financial assets and liabilities not measured at fair value through profit or loss decreased 3.9% to &#8364;134 million in the year ended December 31, 2021 from &#8364;139 million in the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on financial assets and liabilities held for trading decreased by 56.1%, to &#8364;341 million in the year ended December 31, 2021 from &#8364;777 million in the year ended December 31, 2020, as a result in part of the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro, in particular, the Turkish lira and losses on trading derivatives in foreign currency positions in Turkey and Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains on non-trading financial assets mandatorily at fair value through profit or loss increased to &#8364;432 million in the year ended December 31, 2021 from &#8364;208 million in the year ended December 31, 2020, primarily due to increased gains on equity instruments in Spain.</span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses from hedge accounting for the year ended December 31, 2021 were &#8364;214 million, compared with the &#8364;7 million gain recorded for the year ended December 31, 2020, mainly as a result of the negative changes in the fair value of the hedged items (attributable to the hedged risk).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Exchange differences increased to a &#8364;883 million gain for the year ended December 31, 2021 from a &#8364;359 million gain for the year ended December 31, 2020, mainly as a result of the positive impact of changes in exchange rates on certain foreign currency positions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income for the year ended December 31, 2021 increased by 34.3% to &#8364;661 million compared with the &#8364;492 million recorded for the year ended December 31, 2020, mainly as a result of the higher adjustment for hyperinflation in Argentina and the higher income from real estate related services in Spain, partially offset by the depreciation of the currencies of the main non-euro countries where the Group operates (excluding Mexico) against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating expense for the year ended December 31, 2021 amounted to &#8364;2,041 million, a 22.8% increase compared with the &#8364;1,662 million recorded for the year ended December 31, 2020, mainly driven by the greater contributions made to the ECB&#8217;s Single Resolution Fund in Spain and the higher adjustment for hyperinflation in Argentina, offset in part by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income on insurance and reinsurance contracts for the year ended December 31, 2021 was &#8364;2,593 million, a 3.9% increase compared with the &#8364;2,497 million of income recorded for the for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">102</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expense on insurance and reinsurance contracts for the year ended December 31, 2021 was &#8364;1,685 million, a 10.8% increase compared with the &#8364;1,520 million expense recorded for the year ended December 31, 2020, mainly as a result of a higher claims ratio in Mexico derived from the impacts of the COVID-19 pandemic, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs, which include personnel expense and other administrative expense, for the year ended December 31, 2021 amounted to &#8364;8,296 million, a 6.4% increase compared with the &#8364;7,799 million recorded for the year ended December 31, 2020, mainly as a result of higher personnel expenses in Mexico and South America (affected by inflation and, with respect to Mexico, to a lesser extent, the return of certain employees to their positions once commercial activity started to pick up and the appreciation of the Mexican peso), and increases in certain general expenses related to technology in Mexico (also affected by inflation). The increase was partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of personnel expense for the years ended December 31, 2021 and 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.691%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wages and salaries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,933</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,610</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Social security costs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">668</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">671</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(0.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Defined contribution plan expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">72</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Defined benefit plan expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(0.1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other personnel expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">325</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">293</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Personnel expense</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,046</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,695</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.5</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of other administrative expense for the years ended December 31, 2021 and 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.691%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Technology and systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,176</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,088</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Communications </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">175</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">172</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Advertising</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">207</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">186</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Property, fixtures and materials</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">380</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">404</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(6.0)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Taxes other than income tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">347</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">344</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Surveillance and cash courier services</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">179</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">161</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">786</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">749</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Other administrative expense</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,249</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,105</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.7</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2021 was &#8364;1,234 million, a 4.2% decrease compared with the &#8364;1,288 million recorded for the year ended December 31, 2020, mainly due to the depreciation of the currencies of the main non-euro countries where the BBVA Group operates against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results for the year ended December 31, 2021 amounted to an expense of &#8364;1,018 million, a 36.4% increase compared with the &#8364;746 million expense recorded for the year ended December 31, 2020, mainly as a result of the agreement with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain, which resulted in a provision amounting to &#8364;754 million which has been recognized in the Corporate Center. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212; Agreement on the Collective Layoff Procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements. The increase was offset, in part, by lower commitments and guarantees given and the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">103</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification for the year ended December 31, 2021 was an expense of &#8364;3,034 million, a 41.4% decrease compared with the &#8364;5,179 million expense recorded for the year ended December 31, 2020, mainly due to (i) lower credit impairment requirements in the main countries where the BBVA Group operates; (ii) higher recoveries and limited additions to credit-impaired assets (Stage 3) supported by recoveries throughout the year; (iii) improvement of the macroeconomic scenario in 2021; and (iv) to a lesser extent, the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) against the euro. The year ended December 31, 2020 was adversely impacted by the worsening macroeconomic scenario as a result of the outbreak of the COVID-19 pandemic, which led to significant credit quality deterioration in the portfolio of financial assets measured at amortized cost, while the non-performing loan ratio and the related coverage ratio were positively affected by the temporary deferrals and other relief measures adopted to address the effects of the COVID-19 pandemic.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a breakdown of impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification for the years ended December 31, 2021 and 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:65.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.149%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(9.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,017</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,160</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(41.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,034</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,179</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(41.4)</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets for the year ended December 31, 2021 amounted to an expense of &#8364;221 million, a 44.7% increase compared with the &#8364;153 million expense recorded for the year ended December 31, 2020, mainly as a result of the impairment recognized due to the closing of rented offices pursuant to the agreement reached with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain, which has been recognized in the Corporate Center under line item &#8220;Provisions or reversal of provisions and other results&#8221;. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Agreement on the Collective Layoff Procedure&#8221;, &#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net and Impairment or reversal of impairment of investments in joint ventures and associates</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net and Impairment or reversal of impairment of investments in joint ventures and associates for the year ended December 31, 2021 amounted to a &#8364;24 million gain compared with the &#8364;197 million loss recorded for the year ended December 31, 2020. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations for the year ended December 31, 2021 was &#8364;40 million, compared with the &#8364;444 million gain recorded for the year ended December 31, 2020, mainly due to the losses recognized due to the closing of offices for own use and the decommission of facilities, pursuant to the agreement reached with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain, which have been recognized in the Corporate Center under line item &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results&#8221;. See &#8220;Presentation of Financial Information&#8212; Agreement on the Collective Layoff Procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;&#8213;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements. The year ended December 31, 2020 was positively affected by the sale to Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. of 50% of the share capital plus one share in BBVA Allianz Seguros y Reaseguros, S.A. in the fourth quarter of 2020. See &#8220;&#8213; </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Alliance with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 3 to our Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">104</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax for the year ended December 31, 2021 amounted to &#8364;7,247 million, a 38.1% increase compared with the &#8364;5,248 million operating profit before tax recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations for the year ended December 31, 2021 amounted to &#8364;1,909 million, a 30.9% increase compared with the &#8364;1,459 million expense recorded for the year ended December 31, 2020, mainly due to the increase in operating profit before tax. Tax expense amounted to 26.3% of operating profit before tax for the year ended December 31, 2021 and 27.8% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit from discontinued operations for the year ended December 31, 2021 amounted to &#8364;280 million compared with the &#8364;1,729 million loss recorded for the year ended December 31, 2020. Profit from discontinued operations for the year ended December 31, 2020 was adversely impacted by the goodwill impairment losses recognized in the United States CGU, which were recorded in this line item. In addition, the change was also attributable to the gain on sale of the companies included within the scope of the USA Sale at its closing on June 1, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit for the year ended December 31, 2021 amounted to &#8364;5,618 million compared with the &#8364;2,060 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss) attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company for the year ended December 31, 2021 amounted to &#8364;4,653 million compared with the &#8364;1,305 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests for the year ended December 31, 2021 amounted to &#8364;965 million, a 27.7% increase compared with the &#8364;756 million profit attributable to non-controlling interests recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">105</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2590"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Results of Operations by Operating Segment</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in this section is presented under management criteria.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The tables set forth below show the income statement of our operating segments and Corporate Center for the years indicated. In addition, the income statement of our operating segments and Corporate Center is reconciled to the consolidated income statement of the Group. The &#8220;Adjustments&#8221; column in the tables for such years shows the differences between the Group income statement and the income statement calculated in accordance with management operating segment reporting criteria. In particular:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">in 2022, such differences correspond mainly to the loss recorded in connection with the acquisition by BBVA of Tree Inversiones Inmobiliarias, SOCIMI, S.A. on June 15, 2022 amounting to &#8364;201 million, net of taxes (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Purchase of Tree Inversiones Inmobiliarias, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). In this section, information relating to the Spain operating segment for the year ended December 31, 2022 has been presented under management criteria pursuant to which such losses have been recognized under the heading &#8220;Profit / (loss) from discontinued operations, net and Other&#8221;. However, for purposes of the Group financial statements, such losses are presented under the headings &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; (&#8364;134 million loss) and &#8220;Tax expense or income related to profit or loss from continuing operations&#8221; (&#8364;67 million expense);</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">in 2021, such differences correspond to the provision recorded in connection with the agreement on the collective layoff procedure BBVA reached with union representatives on April 13, 2021 in Spain, amounting to &#8364;754 million (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Agreement on the Collective Layoff Procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;,</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements), the impairment or reversal of impairment on tangible assets and other intangible assets, which amounted to a &#8364;221 million expense for the year ended December 31, 2021, and the losses on derecognition of non-financial assets and subsidiaries and from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations amounting to &#8364;18 million. In particular, information relating to our Corporate Center for 2021 has been presented under management criteria pursuant to which such losses have been recognized under the heading &#8220;Provisions or reversal of provisions and other results&#8221;. However, for purposes of the Group financial statements, such losses are presented under the heading &#8220;Impairment or reversal of impairment on non-financial assets&#8221;; and</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">in 2020, such differences relate to the treatment of the net capital gain derived from the sale of half plus one share of the company BBVA Allianz Seguros y Reaseguros, S.A., which amounted to &#8364;304 million, net of taxes (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;History and Development of the Company&#8212;Capital Divestitures&#8212;2020</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). In particular, information relating to our Corporate Center for 2020 has been presented under management criteria pursuant to which such net capital gain was recorded under &#8220;Profit / (loss) from corporate operations, net&#8221;. However, for purposes of the Group income statement, the net capital gain has been recorded under the heading &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the first half of 2022, we changed the allocation criteria for certain expenses related to global technology projects between the Corporate Center and the business areas. In addition, a team from the Global Markets unit was transferred from Spain to New York, with the corresponding transfer of the costs associated with this reallocation from the Spain business area to other business areas. The impact of these intra-group adjustments was not material and segment figures as of December 31, 2021 and 2020 and for the years then ended have not been revised to reflect the new allocation criteria.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For certain relevant information concerning the preparation and presentation of the financial information included in this Annual Report, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">106</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjustments (1)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Group</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income / (expense)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,784</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8,378</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,631</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,137</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">332</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(109)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">19,153</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,156&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,621&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">587&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">778&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">243&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(31)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,353&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (2)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">396&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">439&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">741&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">447&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">208&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(294)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,938&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net (3)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(191)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">400&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(774)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,102)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">105&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,555)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,145</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">10,839</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,185</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,261</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">790</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(329)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24,890</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,516)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,035)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(938)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,806)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(491)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(647)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(9,432)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(404)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(398)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(129)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(170)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(206)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,328)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (4)</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,226</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,406</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,119</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,284</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">276</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,181)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,130</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(522)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,693)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(387)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(762)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,379)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(78)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(24)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(134)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(395)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating  profit / (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,625</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,690</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,644</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,429</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">277</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,175)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(134)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">10,356</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(743)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,507)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,105)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(345)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(37)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">277&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(67)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,529)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,882</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,182</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">538</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,083</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(898)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(201)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,827</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net and Other</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(201)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">201&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss)</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,681</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,182</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">538</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,083</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(898)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,827</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(349)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(407)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,678</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,182</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">509</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">734</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(922)</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,420</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Corresponds mainly to the loss recorded in connection with the acquisition by BBVA of Tree Inversiones Inmobiliarias, SOCIMI, S.A. on June 15, 2022 amounting to &#8364;201 million, net of taxes (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Purchase of Tree Inversiones Inmobiliarias, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221;). In this section, information relating to the Spain operating segment for the year ended December 31, 2022 has been presented under management criteria pursuant to which such losses have been recognized under the heading &#8220;Profit / (loss) from discontinued operations, net and Other&#8221;. However, for purposes of the Group financial statements, such losses are presented under the headings &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221;, which is included in &#8220;Provisions or reversal of provisions and other results&#8221; in the table above (&#8364;134 million loss), and &#8220;Tax expense or income related to profit or loss from continuing operations&#8221; (&#8364;67 million expense).</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of entities accounted for using the equity method&#8221;, &#8220;Income/Expense on insurance and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">107</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31, 2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjustments (1)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Group</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,502</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,836</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,370</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,859</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">281</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(163)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,686</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,189&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,211&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">564&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">589&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">248&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(36)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,765&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (2)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">343&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">366&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">413&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">324&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">197&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">266&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,910&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net (3)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(109)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">190&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">74&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(611)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">146&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(295)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,925</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,603</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,422</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,162</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">741</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">212</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">21,066</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,599)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,333)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(890)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,356)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(430)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(687)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8,296)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(431)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(326)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(145)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(194)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,234)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (4)</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,895</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,944</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,414</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,661</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">291</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(668)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,536</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(503)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,440)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(494)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(622)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,034)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(270)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(77)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(772)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,034)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(221)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(221)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating  profit / (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,122</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,528</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,953</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">961</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">314</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(638)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(994)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,247</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(538)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(960)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(455)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(287)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(60)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">94&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">298&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,909)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,584</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,498</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">674</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(544)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(696)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,338</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit from discontinued operations, net / Profit from corporate operations, net</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(416)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">696&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">280&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss)</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,584</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,498</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">674</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(960)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,618</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(758)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(184)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(965)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,581</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">740</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">491</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(980)</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,653</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Correspond to the provision recorded in connection with the agreement on the collective layoff procedure BBVA reached with union representatives on April 13, 2021 in Spain, amounting to &#8364;754 million, the impairment or reversal of impairment on tangible assets and other intangible assets, which amounted to a &#8364;221 million expense for the year ended December 31, 2021, and the losses on derecognition of non-financial assets and subsidiaries and from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations amounting to &#8364;18 million. In this section, information relating to our Corporate Center for 2021 has been presented under management criteria pursuant to which such losses have been recognized under the heading &#8220;Provisions or reversal of provisions and other results&#8221;. However, for purposes of the Group financial statements, such losses are presented under the heading &#8220;Impairment or reversal of impairment on non-financial assets&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of entities accounted for using the equity method&#8221;, &#8220;Income/Expense on insurance and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">108</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Corporate Center</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjustments (1)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Group</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,566</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,415</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,783</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,701</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">291</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(164)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14,592</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,802&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,061&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">510&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">483&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">332&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(66)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,123&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (2)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">174&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">423&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">227&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">407&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">171&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">144&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,546&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net (3)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">126&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(367)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">45&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(95)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,567</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,025</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,573</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,225</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">839</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(63)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20,166</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,580)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,033)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(880)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,219)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(446)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(642)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7,799)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(312)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(150)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(154)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(194)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,288)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (4)</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,528</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,680</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,544</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,853</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">372</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(898)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,079</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification </span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,167)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,172)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(895)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(864)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(85)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,179)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(538)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(93)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(289)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">435&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(652)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating  profit / (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">823</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,475</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,522</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">896</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">280</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,183)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">435</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,248</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(167)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(714)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(380)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(277)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(57)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">268&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(130)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,459)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations </span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">655</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,142</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">618</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(915)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">304</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,789</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations / Profit / (loss) from corporate operations, net</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,424)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(304)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,729)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">655</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,142</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">618</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(2,339)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,060</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests </span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(579)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(173)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(756)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">652</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">563</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">446</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(2,339)</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,305</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Relate to the treatment of the net capital gain derived from the sale of half plus one share of the company BBVA Allianz Seguros y Reaseguros, S.A., which amounted to &#8364;304 million, net of taxes (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;History and Development of the Company&#8213;Capital Divestitures&#8212;2020</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221;). In particular, information relating to our Corporate Center for 2020 has been presented under management criteria pursuant to which such net capital gain has been recorded under &#8220;Profit / (loss)  from corporate operations, net&#8221;. However, for purposes of the Group income statement, the net capital gain was recorded under the heading &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; (which is included in &#8220;Provisions or reversal of provisions and other results&#8221; in the table above).</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of entities accounted for using the equity method&#8221;, &#8220;Income/Expense on insurance and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">109</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_217"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Results of Operations by Operating Segment for 2022 Compared with 2021</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_220"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SPAIN</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,784</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,502</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,156</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,189</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">396</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">343</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(569)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(467)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">378</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">357</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6,145</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,925</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,516)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,599)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(404)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(431)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(6.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,226</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,895</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(522)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(503)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(78)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(270)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(71.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,625</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,122</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">23.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(743)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(538)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,882</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,584</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">18.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net and Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(201)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,681</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,584</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,678</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,581</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6.1</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2022 amounted to &#8364;3,784 million, an 8.0% increase compared with the &#8364;3,502 million recorded for the year ended December 31, 2021, mainly as a result of the higher yield and volume of the corporate and SMEs loan portfolios, supported by the higher interest rate environment, partially offset by higher funding costs. The net interest margin over total average assets of this operating segment amounted to 0.90% for the year ended December 31, 2022, compared with 0.88% for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2022 amounted to &#8364;2,156 million, a 1.5% decrease compared with the &#8364;2,189 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and Exchange differences of this operating segment for the year ended December 31, 2022 was a net gain of &#8364;396 million, a 15.4% increase compared with the &#8364;343 million net gain recorded for the year ended December 31, 2021, mainly as a result of the positive performance of the Global Markets unit, partially offset by the lower gains related to the Asset Protection Scheme entered into in connection with BBVA&#8217;s acquisition of Unnim.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other net operating expense of this operating segment for the year ended December 31, 2022 amounted to &#8364;569 million, a 22.0% increase compared with the &#8364;467 million expense recorded for the year ended December 31, 2021, mainly due to the greater contributions made to the ECB&#8217;s Single Resolution Fund and to the Deposit Guarantee Fund of Credit Institutions, as a result of the period-on-period increase in deposits, partially offset by an increase in income from non-financial services transactions (including real estate services).</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">110</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2022 was &#8364;378 million, a 5.8% increase compared with the &#8364;357 million recorded for the year ended December 31, 2021, mainly as a result of increased insurance activity and the positive performance of insurance-savings products in Spain (through BBVA Seguros).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2022 amounted to &#8364;2,516 million, a 3.2% decrease compared with the &#8364;2,599 million recorded for the year ended December 31, 2021, mainly as a result of the lower personnel expenses following the completion of the collective layoff procedure, which resulted in the departure of 2,899 employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022 was &#8364;404 million, a 6.3% decrease compared with the &#8364;431 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2022 amounted to a &#8364;522 million expense, a 3.9% increase compared with the &#8364;503 million expense recorded for the year ended December 31, 2021, mainly due to the increase in credit impairments in the debt securities portfolio, partially offset by the decrease in credit impairments in the wholesale loan portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2022 were a &#8364;78 million expense, a 71.2% decrease compared with the &#8364;270 million expense recorded for the year ended December 31, 2021, mainly due to increased gains from real estate sales and the decrease in provisions for various purposes, including the update of provisions for pensions and other employee benefit commitments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2022 was &#8364;2,625 million, a 23.7% increase compared with the &#8364;2,122 million profit recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2022 was &#8364;743 million, a 38.0% increase compared with the &#8364;538 million expense recorded for the year ended December 31, 2021, as a result of the higher operating profit recorded for the year ended December 31, 2022. The effective tax rate increased to 28.3% for the year ended December 31, 2022 from 25.4% for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit / (loss) from discontinued operations, net and Other</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loss from discontinued operations, net and Other of this operating segment for the year ended December 31, 2022 amounted to &#8364;201 million compared with the nil recorded for the year ended December 31, 2021. Loss from discontinued operations, net and Other for the year ended December 31, 2022 include the loss recorded in connection with the transaction with Merlin Properties (see Note 17 to our Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2022 amounted to &#8364;1,678 million, a 6.1% increase compared with the &#8364;1,581 million profit recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">111</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_223"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MEXICO</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8,378</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,836</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">43.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,621</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,211</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">439</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">366</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(297)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(218)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">697</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">10,839</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,603</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">42.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,035)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,333)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30.1</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(398)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(326)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,406</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,944</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">49.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,693)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,440)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(24)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,690</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,528</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">61.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,507)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(960)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">57.0</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,182</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">62.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,182</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">62.9</span></td></tr></table></div><div style="padding-left:14.74pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:14.74pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="padding-left:14.74pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2022, the Mexican peso appreciated 13.2% against the euro in average terms compared with the year ended December 31, 2021, resulting in a positive exchange rate effect on our consolidated income statement for the year ended December 31, 2022 and in the results of operations of the Mexico operating segment for such period expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2022 amounted to &#8364;8,378 million, a 43.6% increase compared with the &#8364;5,836 million recorded for the year ended December 31, 2021, mainly as a result of the higher contribution from our loan portfolio, in particular, the corporate and retail portfolios, which has increased both in terms of volume and yield, supported by the appreciation of the Mexican peso against the euro and, with respect to the yield, a higher interest rate environment, partially offset by higher funding costs as a result of the increase in interest rates. At a constant exchange rate, there was a 26.8% increase. The net interest margin over total average assets of this operating segment amounted to 6.07% for the year ended December 31, 2022, compared with 5.18% for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2022 amounted to &#8364;1,621 million, a 33.9% increase compared with the &#8364;1,211 million recorded for the year ended December 31, 2021, mainly due to the increased volume of transactions by credit card customers and asset management activities, and the appreciation of the Mexican peso against the euro. At a constant exchange rate, there was an 18.3% year-on-year increase.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and Exchange differences of this operating segment for the year ended December 31, 2022 were &#8364;439 million, a 19.9% increase compared with the &#8364;366 million gain recorded for the year ended December 31, 2021, mainly as a result of increased sales in the Global Markets unit in Mexico, supported by increased volatility, and the appreciation of the Mexican peso against the euro. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">112</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income and expense, net of this operating segment for the year ended December 31, 2022 was a net expense of &#8364;297 million, a 36.4% increase compared with the &#8364;218 million net expense recorded for the year ended December 31, 2021, mainly as a result of higher contributions made to the Deposit Guarantee Fund, as a result of increases in the volume of deposits, and the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2022 was &#8364;697 million, a 71.1% increase compared with the &#8364;407 million net income recorded for the year ended December 31, 2021, due mainly to the increase in insurance premiums, as a result of higher insurance sales, a lower claim ratio and, to a lesser extent, the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2022 were &#8364;3,035 million, a 30.1% increase compared with the &#8364;2,333 million recorded for the year ended December 31, 2021, mainly as a result of the appreciation of the Mexican peso against the euro and the higher personnel expenses and certain general expenses related to technology and marketing (affected by inflation). At a constant exchange rate, administration costs increased by 14.9%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022 was &#8364;398 million, a 22.0% increase compared with the &#8364;326 million recorded for the year ended December 31, 2021, mainly due to the increases in the depreciation expense in Mexico as a result of the appreciation of the Mexican peso against the euro and the increase in the depreciation expense related to offices for own use in Mexico and to IT equipment. At a constant exchange rate, depreciation and amortization increased by 7.8%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2022 was a &#8364;1,693 million expense, a 17.5% increase compared with the &#8364;1,440 million expense recorded for the year ended December 31, 2021, mainly due to the appreciation of the Mexican peso against the euro and increased lending activity in the wholesale and retail loan portfolios, partially offset by lower Stage 3 entries in the wholesale loan portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2022 were a &#8364;24 million expense compared with the &#8364;24 million income recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2022 was &#8364;5,690 million, a 61.3% increase compared with the &#8364;3,528 million of operating profit before tax recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2022 was &#8364;1,507 million, a 57.0% increase compared with the &#8364;960 million expense recorded for the year ended December 31, 2021, mainly as a result of the higher operating profit before tax. The effective tax rate amounted to 26.5% of operating profit before tax for the year ended December 31, 2022 and 27.2% for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2022 amounted to &#8364;4,182 million, a 62.9% increase compared with the &#8364;2,568 million recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">113</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_226"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TURKEY</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:58.313%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.869%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.560%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.858%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,631</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,370</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">587</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">564</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">741</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">413</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">79.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(823)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(0.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,185</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,422</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(6.9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(938)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(890)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.4</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(129)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(118)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,119</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,414</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(12.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(387)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(494)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(21.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(88)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,644</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,953</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(15.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,105)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(455)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">142.8</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">538</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,498</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(64.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(29)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(758)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(96.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">509</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">740</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(31.1)</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 18, 2022, BBVA closed its voluntary takeover bid for the entire share capital of Garanti BBVA, which resulted in BBVA increasing its stake in Garanti BBVA from 49.85% to 85.97%. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;History and Development of the Company&#8212;Capital Expenditures&#8212;2022 &#8212;Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.&#8221; </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> &#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Turkish lira to euro exchange rate as of December 31, 2022 (which was used to convert income statement items for the year ended December 31, 2022) depreciated compared to the average exchange rate for the year ended December 31, 2021 (which was used to convert income statement items for the year ended December 31, 2021) (see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), negatively affecting the results of operations of the Turkey operating segment for the year ended December 31, 2022 expressed in euros.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since the first half of 2022, the Turkish economy is considered to be hyperinflationary as defined by IAS 29. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for information on the impact of hyperinflation accounting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2022 amounted to &#8364;2,631 million, an 11.0% increase compared with the &#8364;2,370 million recorded for the year ended December 31, 2021, as a result mainly of the higher yield and volume of Turkish lira-denominated loans to enterprises and credit card loans and the increase in volume of sovereign debt securities, as a result in part of the Turkish liraization strategy implemented by the CBRT, partially offset by the depreciation of the Turkish lira against the euro. At a constant exchange rate, there was a 110.9% increase in net interest income. The net interest margin over total average assets of this operating segment amounted to 4.18% for the year ended December 31, 2022, compared with 4.01% for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">114</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2022 amounted to &#8364;587 million, a 4.0% increase compared with the &#8364;564 million recorded for the year ended December 31, 2021, mainly as a result of the increase in brokerage and payment systems fees, partially offset by the depreciation of the Turkish lira against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and Exchange differences of this operating segment for the year ended December 31, 2022 amounted to &#8364;741 million, a 79.4% increase compared with the &#8364;413 million gain recorded for the year ended December 31, 2021, mainly due to the positive performance of the Global Markets unit in a volatile environment, offset in part by the depreciation of the Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income and expense, net of this operating segment for the year ended December 31, 2022 was a &#8364;823 million expense compared with the &#8364;25 million income recorded for the year ended December 31, 2021, mainly due to the net loss on the monetary position resulting from the adjustment for hyperinflation in Turkey amounting to &#8364;2,323 million (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212; Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), partially offset by the positive impact of the higher volume and revaluation of bonds linked to inflation, for a gross amount of &#8364;1,490 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2022 was &#8364;49 million, a 0.3% decrease compared with the &#8364;50 million income recorded for the year ended December 31, 2021, mainly as a result of the depreciation of the Turkish lira, offset by an increase in insurance premiums as a result of higher insurance sales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2022 amounted to &#8364;938 million, a 5.4% increase compared with the &#8364;890 million recorded for the year ended December 31, 2021, mainly as a result of the increase in personnel expenses and general expenses (technology and maintenance) driven to a great extent by the higher average inflation rate and salary updates, partially offset by the depreciation of the Turkish lira. At a constant exchange rate, administration costs increased by 100.3%, which was above Turkey&#8217;s inflation rate for the period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022 was &#8364;129 million, an 8.6% increase compared with the &#8364;118 million recorded for the year ended December 31, 2021, mainly as a result of increases in the depreciation expense related to offices for own use in Turkey, as a result of higher additions of right-of-use assets, offset in part by the depreciation of the Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2022 was a &#8364;387 million expense, a 21.8% decrease compared with the &#8364;494 million expense recorded for the year ended December 31, 2021, as a result of the depreciation of the Turkish lira against the euro, partially offset by an increase in the collective expected losses related to loans to individuals and an increase in credit impairments in the debt securities portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2022 were a &#8364;88 million expense compared with the &#8364;33 million income recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2022 was &#8364;1,644 million, a 15.8% decrease compared with the &#8364;1,953 million recorded for the year ended December 31, 2021. At a constant exchange rate, operating profit increased by 60.0%. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">115</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2022 was &#8364;1,105 million, compared with the &#8364;455 million expense recorded for the year ended December 31, 2021, as a result of the net loss on the monetary position resulting from the adjustment for hyperinflation in Turkey which, in turn, led to additional adjustments to the tax expense for the period due to the difference between accounting and taxable profit (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8212;Designation of Turkey as a Hyperinflationary Economy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). In addition, current tax regulation in Turkey does not foresee a correction in order to reduce tax expense upon the existence of a loss linked to the net monetary position. Therefore, the effective tax rate amounted to 67.2% of operating profit before tax for the year ended December 31, 2022 and 23.3% for the year ended December 31, 2021. The applicable tax rate remained at 25% in 2022 and 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to non-controlling interests</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests of this operating segment for the year ended December 31, 2022 amounted to &#8364;29 million, a 96.2% decrease compared with the &#8364;758 million recorded for the year ended December 31, 2021, as a result mainly of the increase in BBVA&#8217;s stake in Garanti BBVA (from 49.85% to 85.97%) following the completion of BBVA&#8217;s voluntary takeover bid for the entire share capital of Garanti BBVA on May 18, 2022 (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and, to a lesser extent, the decrease in operating profit.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2022 amounted to &#8364;509 million, a 31.1% decrease compared with the &#8364;740 million recorded for the year ended December 31, 2021. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">116</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_229"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:13pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SOUTH AMERICA</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.691%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.920%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,137</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">44.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">778</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">589</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">447</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">324</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,181)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(690)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">79</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">79</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,261</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,162</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">34.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,806)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,356)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33.2</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(170)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(145)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,284</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,661</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">37.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(762)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(622)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(94)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(77)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,429</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">961</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">48.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(287)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.2</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,083</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">674</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">60.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(349)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(184)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">90.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">734</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">491</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">49.7</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.24pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2022, the Argentine peso and the Colombian peso depreciated by 38.3% (considering the period-end exchange rates) and 0.9%, respectively, against the euro in average terms, compared with the year ended December 31, 2021. On the other hand, the Peruvian sol appreciated by 13.8% against the euro in average terms, compared with the year ended December 31, 2021. Overall, changes in exchange rates resulted in a slightly negative exchange rate effect on our consolidated income statement for the year ended December 31, 2022 and in the results of operations of the South America operating segment for such period expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of and for the years ended December 31, 2022 and 2021, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29 (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;Hyperinflationary economies - IAS 29</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 2.2.19 to our Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2022 amounted to &#8364;4,137 million, a 44.7% increase compared with the &#8364;2,859 million recorded for the year ended December 31, 2021, mainly as a result of increases in the yield of the wholesale loan portfolio and in the volume of the consumer loan portfolio in Colombia, higher retail loan volume in Peru and, to a lesser extent, the increase in the volume and yield of retail loans and sovereign debt securities in Argentina, within an overall high interest rate environment, partially offset by higher funding costs and the depreciation of the Argentine peso. The net interest margin over total average assets of this operating segment amounted to 6.50% for the year ended December 31, 2022, compared with 5.34% for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2022 amounted to &#8364;778 million, a 32.2% increase compared with the &#8364;589 million recorded for the year ended December 31, 2021, mainly as a result of higher transaction volumes and the increase in payment systems-related fees in Argentina and Peru, partially offset by the depreciation of the Argentine peso. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">117</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and Exchange differences of this operating segment for the year ended December 31, 2022 were &#8364;447 million, a 37.7% increase compared with the &#8364;324 million gain recorded for the year ended December 31, 2021, mainly due to the higher volume of, and gains generated by, trading transactions in Argentina and Colombia, partially offset by the depreciation of the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other net operating expense of this operating segment for the year ended December 31, 2022 was &#8364;1,181 million, a 71.2% increase compared with the &#8364;690 million expense recorded for the year ended December 31, 2021, mainly driven by the adjustment for hyperinflation in Argentina, partially offset by the depreciation of the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the years ended December 31, 2022 and 2021 was &#8364;79 million. There was an increase in income related to life insurance in Argentina, offset by the depreciation of the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2022 amounted to &#8364;1,806 million, a 33.2% increase compared with the &#8364;1,356 million recorded for the year ended December 31, 2021, mainly as a result of increases in personnel and certain general expenses related to technology in Argentina, affected by the high inflation, partially offset by the depreciation of the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022, was &#8364;170 million, a 17.3% increase compared with the &#8364;145 million recorded for the year ended December 31, 2021, mainly as a result of the investment in computer software and, to a lesser extent, offices for own use in South America.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2022 was a &#8364;762 million expense, a 22.4% increase compared with the &#8364;622 million expense recorded for the year ended December 31, 2021, mainly as a result of higher additions to Stage 3 loans in Chile, as a result of the update in the definition of credit impaired assets, and an increase in credit impairments in the debt securities portfolio in Argentina, partially offset by the depreciation of the Argentine peso.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2022 were a &#8364;94 million expense, a 21.8% increase compared with the &#8364;77 million expense recorded for the year ended December 31, 2021, attributable mainly to higher provisions for legal contingencies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2022 was &#8364;1,429 million, a 48.6% increase compared with the &#8364;961 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2022 was &#8364;345 million, a 20.2% increase compared with the &#8364;287 million expense recorded for the year ended December 31, 2021, mainly as a result of the higher operating profit before tax and the increase in the applicable tax rate in Colombia, from 34% to 38%, with reductions in deferred tax liabilities. The effective tax rate amounted to 24.2% of operating profit before tax for the year ended December 31, 2022 and 29.9% for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">118</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to non-controlling interests</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests of this operating segment for the year ended December 31, 2022 amounted to &#8364;349 million, a 90.1% increase compared with the &#8364;184 million recorded for the year ended December 31, 2021, mainly due to the higher operating profit before tax and the higher profit attributable to non-controlling interests in Peru, amounting to &#8364;109 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2022 amounted to &#8364;734 million, a 49.7% increase compared with the &#8364;491 million recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">119</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_232"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">REST OF BUSINESS</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:59.300%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.150%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">332</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">281</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">18.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">243</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">248</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">208</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">197</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(79.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">790</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">741</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(491)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(430)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(23)</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">276</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">291</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(5.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">277</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">314</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(11.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(37)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(60)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(37.9)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">240</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(5.6)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">240</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 13pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(5.6)</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2022, the U.S. dollar appreciated by 12.3% against the euro in average terms, resulting in a positive exchange rate effect on our consolidated income statement for the year ended December 31, 2021 and in the results of operations of the Rest of Business operating segment for such period expressed in euros. See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2022 amounted to &#8364;332 million, an 18.1% increase compared with the &#8364;281 million recorded for the year ended December 31, 2021, mainly due to increased activity of the branches located in New York and Europe and higher yields, and, to a lesser extent, the appreciation of the U.S. dollar against the euro. The net interest margin over total average assets of this operating segment amounted to 0.73% for the year ended December 31, 2022 compared with 0.80% for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2022 amounted to &#8364;243 million, a 2.0% decrease compared with the &#8364;248 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and Exchange differences of this operating segment for the year ended December 31, 2022 were &#8364;208 million, a 5.8% increase compared with the &#8364;197 million net gain recorded for the year ended December 31, 2021, mainly due to the positive impact of changes in exchange rates on foreign currency positions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income and expense, net of this operating segment for the year ended December 31, 2022 was &#8364;2 million of income, a 79.5% decrease compared with the &#8364;12 million income recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">120</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2022 amounted to &#8364;491 million, a 14.0% increase compared with the &#8364;430 million recorded for the year ended December 31, 2021, mainly due to higher personnel expense in the New York branch and in Europe, and the appreciation of the U.S. dollar against the euro, partially offset by lower administrations costs recorded in BBVA Securities as a result of a reduction in the number of employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022 was &#8364;23 million, a 12.6% increase compared with the &#8364;20 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2022 amounted to an expense of &#8364;13 million compared with the &#8364;27 million income recorded for the year ended December 31, 2021, mainly as a result of higher impairments in the New York branch.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2022 were a &#8364;14 million income compared with the &#8364;4 million expense recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2022 was &#8364;277 million, an 11.8% decrease compared with the &#8364;314 million recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2022 was &#8364;37 million, a 37.9% decrease compared with the &#8364;60 million expense recorded for the year ended December 31, 2021, mainly as a result of the lower operating profit before tax. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2022 amounted to &#8364;240 million, a 5.6% decrease compared with the &#8364;254 million recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">121</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_235"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CORPORATE CENTER</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the year ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income / (expense)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(109)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(163)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(33.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(31)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(36)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11.9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and Exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(294)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">266</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">146</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(27.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(329)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">212</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(647)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(687)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5.9)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(206)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(194)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,181)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(668)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">76.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(73.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,175)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(638)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">84.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">277</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">194.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(898)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(544)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">65.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net and Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(416)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(898)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(960)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(6.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(25)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(922)</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(980)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(5.9)</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income / (expense</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest expense of the Corporate Center for the year ended December 31, 2022 was &#8364;109 million, a 33.0% decrease compared with the &#8364;163 million net expense recorded for the year ended December 31, 2021, mainly due to decreases in the cost of corporate pension funds, partially offset by the higher funding costs as a result of the increases in reference interest rates. </span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of the Corporate Center for the year ended December 31, 2022 amounted to a &#8364;31 million expense, an 11.9% decrease compared with the &#8364;36 million expense recorded for the year ended December 31, 2021.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Net gains (losses) on financial assets and liabilities and Exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net losses on financial assets and liabilities and Exchange differences of the Corporate Center for the year ended December 31, 2022 were &#8364;294 million, compared with the &#8364;266 million net gains recorded for the year ended December 31, 2021, mainly as a result of the negative impact of changes in exchange rates on foreign currency positions and, to a lesser extent, the lower contribution from the industrial and financial portfolios managed by the Corporate Center as part of the centralized Group functions.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other net operating income of the Corporate Center for the year ended December 31, 2022 was &#8364;106 million, a 27.5% decrease compared with the &#8364;146 million income recorded for the year ended December 31, 2021, mainly as a result of lower dividend income from investees accounted for under the equity method.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of the Corporate Center for the year ended December 31, 2022 amounted to &#8364;647 million, a 5.9% decrease compared with the &#8364;687 million recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">122</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2022 was &#8364;206 million, a 6.2% increase compared with the &#8364;194 million recorded for the year ended December 31, 2021.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of the Corporate Center for the year ended December 31, 2022 were an &#8364;8 million income, a 73.4% decrease compared with the &#8364;32 million income recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating loss before tax of the Corporate Center for the year ended December 31, 2022 was &#8364;1,175 million, an 84.1% increase compared with the &#8364;638 million loss recorded for the year ended December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax income related to profit or loss from continuing operations of the Corporate Center for the year ended December 31, 2022 amounted to &#8364;277 million, compared with the &#8364;94 million income recorded for the year ended December 31, 2021, mainly as a result of the increase in the operating loss before tax for the period and the positive adjustment for the estimation of the annual tax rate of the BBVA Group, which was a tax expense in 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit / (loss) from discontinued operations, net and Other</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations, net and Other for the year ended December 31, 2022 was nil compared with the &#8364;416 million loss recorded for the year ended December 31, 2021. The year ended December 31, 2021 included the cost recorded in connection with the agreement on the collective layoff procedure BBVA reached with union representatives on April 13, 2021 in Spain, amounting to &#8364;994 million before taxes (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212; Agreement on the Collective Layoff Procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements), partially offset by the results generated by BBVA USA Bancshares, Inc. in the first five months of 2021 and gains generated by the USA Sale, which amounted to &#8364;280 million (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Sale of BBVA USA Bancshares, Inc.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit / (loss) attributable to parent company of the Corporate Center for the year ended December 31, 2022 was a loss of &#8364;922 million, a 5.9% decrease compared with the &#8364;980 million loss recorded for the year ended December 31, 2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">123</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_196"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Results of Operations by Operating Segment for 2021 Compared with 2020</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2928"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SPAIN</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the Year Ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,502</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,566</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,189</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,802</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">343</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">174</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">97.4</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(467)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(440)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">357</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">465</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(23.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,925</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,567</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6.4</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,599)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,580)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.8</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(431)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(460)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(6.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,895</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,528</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(503)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,167)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(56.9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(270)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(538)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(49.8)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,122</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">823</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">157.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(538)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(167)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">221.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,584</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">655</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">141.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit from corporate operations, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,584</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">655</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">141.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(32.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,581</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">652</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">142.6</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2021 amounted to &#8364;3,502 million, a 1.8% decrease compared with the &#8364;3,566 million recorded for the year ended December 31, 2020, mainly as a result of the lower interest rate environment and lower sales from the ALCO portfolio, partially offset by lower funding costs. The net interest margin over total average assets of this operating segment amounted to 0.88% for the year ended December 31, 2021, compared with 0.89% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2021 amounted to &#8364;2,189 million, a 21.5% increase compared with the &#8364;1,802 million recorded for the year ended December 31, 2020, mainly due to the increase in banking services, fee and commission income from asset management activities (driven both by volume and performance) and insurance product commissions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and exchange differences of this operating segment for the year ended December 31, 2021 was a net gain of &#8364;343 million, a 97.4% increase compared with the &#8364;174 million net gain recorded for the year ended December 31, 2020, mainly as a result of the positive performance of the Global Markets unit, partially offset by lower sales from the ALCO portfolio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other net operating expense of this operating segment for the year ended December 31, 2021 amounted to &#8364;467 million, a 6.1% increase compared with the &#8364;440 million expense recorded for the year ended December 31, 2020, mainly due to the greater contributions made to the ECB&#8217;s Single Resolution Fund.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">124</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2021 was &#8364;357 million, a 23.2% decrease compared with the &#8364;465 million recorded for the year ended December 31, 2020, mainly as a result of lower insurance activity related to insurance-savings products in Spain (through BBVA Seguros) and to a lesser extent, the sale of the non-life portfolio (excluding health insurance) to Allianz in the fourth quarter of 2020, as a result of which the volume of the insurance business in Spain has been reduced (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;History and Development of the Company&#8213;Capital Divestitures&#8212;2020</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2021 amounted to &#8364;2,599 million, a 0.8% increase compared with the &#8364;2,580 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2021 was &#8364;431 million, a 6.3% decrease compared with the &#8364;460 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2021 amounted to a &#8364;503 million expense, a 56.9% decrease compared with the &#8364;1,167 million expense recorded for the year ended December 31, 2020, mainly due to lower credit impairment requirements, higher write-offs recoveries and the improvement of the macroeconomic scenario in 2021. In 2020, Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification was significantly impacted by the worsening macroeconomic scenario as a result of the outbreak of the COVID-19 pandemic, which led to significant credit quality deterioration in the portfolio of financial assets measured at amortized cost and lower write-off recoveries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2021 were a &#8364;270 million expense, a 49.8% decrease compared with the &#8364;538 million expense recorded for the year ended December 31, 2020, mainly due to lower provisions for various purposes, including potential claims.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2021 was &#8364;2,122 million compared with the &#8364;823 million profit recorded for the year ended December 31, 2020. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2021 was an expense of &#8364;538 million compared with the &#8364;167 million expense recorded for the year ended December 31, 2020</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as a result of the higher operating profit recorded for the year ended December 31, 2021. Tax expense amounted to 25.4% of operating profit before tax for the year ended December 31, 2021 and 20.3% for the year ended December 31, 2020, mainly due to the higher profit before tax in 2021 (as a higher profit usually decreases the relative weight of the tax effects that contribute to reduce the effective tax rate in a given year).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2021 amounted to &#8364;1,581 million compared with the &#8364;652 million profit recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">125</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2933"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MEXICO</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the Year Ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,836</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,415</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,211</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,061</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">366</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">423</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13.3)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(218)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(236)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">362</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,603</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8.2</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,333)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,033)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.8</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(326)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(312)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,944</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,680</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,440)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,172)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(33.7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(33)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (3)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,528</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,475</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">42.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(960)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(714)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">45.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit from corporate operations, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">45.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">45.8</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2021, the Mexican peso appreciated 2.3% against the euro in average terms compared with the year ended December 31, 2020, resulting in a positive exchange rate effect on our consolidated income statement for the year ended December 31, 2021 and in the results of operations of the Mexico operating segment for such period expressed in euros. See &#8220;&#8213;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2021 amounted to &#8364;5,836 million, a 7.8% increase compared with the &#8364;5,415 million recorded for the year ended December 31, 2020, mainly as a result of lower funding costs and the higher loan contribution (both in terms of volume and yield), in particular, due to the increase in the volume of retail loans and, to a lesser extent, the appreciation of the Mexican peso against the euro. At constant exchange rates, there was a 5.4% increase. The net interest margin over total average assets of this operating segment amounted to 5.18% for the year ended December 31, 2021, compared with 5.00% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2021 amounted to &#8364;1,211 million, a 14.1% increase compared with the &#8364;1,061 million recorded for the year ended December 31, 2020, mainly due to the increased volume of transactions by credit card customers once the restrictions on mobility were eliminated, increased banking fee rates (once the temporary waiver or reduction of certain fees was terminated) and the appreciation of the Mexican peso against the euro. At a constant exchange rate, there was an 11.6% year-on-year increase.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and exchange differences of this operating segment for the year ended December 31, 2021 were &#8364;366 million, a 13.3% decrease compared with the &#8364;423 million gain recorded for the year ended December 31, 2020, mainly as a result of decreased sales in the Global Markets unit due to increased volatility in the financial markets and lower gains from securities transactions within the ALCO portfolio, offset in part by the appreciation of the Mexican peso against the euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">126</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Other operating income and expense, net of this operating segment for the year ended December 31, 2021 was a net expense of &#8364;218 million, a 7.8% decrease compared with the &#8364;236 million net expense recorded for the year ended December 31, 2020, mainly as a result of the positive effects of certain initiatives implemented, aimed at increasing operational efficiencies, which decreased operating expense, offset in part by the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2021 was &#8364;407 million, a 12.5% increase compared with the &#8364;362 million net income recorded for the year ended December 31, 2020, due to a reversal of provisions derived from the impacts of the COVID-19 pandemic and, to a lesser extent, the appreciation of the Mexican peso against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2021 were &#8364;2,333 million, a 14.8% increase compared with the &#8364;2,033 million recorded for the year ended December 31, 2020, as a result mainly of higher personnel expenses (affected by inflation and, to a lesser extent, the return of certain employees to their positions once commercial activity started to pick up) and certain general expenses related to technology and, to a lesser extent, the appreciation of the Mexican peso against the euro. At a constant exchange rate, administration costs increased by 12.7%. Such increase was above Mexico&#8217;s inflation rate for the period (7.4%).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2021 was &#8364;326 million, a 4.6% increase compared with the &#8364;312 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2021 was a &#8364;1,440 million expense, a 33.7% decrease compared with the &#8364;2,172 million expense recorded for the year ended December 31, 2020, mainly due to lower credit impairment requirements, especially in the retail portfolio, and higher write-offs recoveries, offset in part by the appreciation of the Mexican peso against the euro. The year ended December 31, 2020 was impacted by the worsening macroeconomic scenario as a result of the outbreak of the COVID-19 pandemic, which led to significant credit quality deterioration in the portfolio of financial assets measured at amortized cost, mainly loans and advances to customers. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2021 were a &#8364;24 million income compared with the &#8364;33 million expense recorded for the year ended December 31, 2020, mainly as a result of higher foreclosed assets sales in 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2021 was &#8364;3,528 million, a 42.5% increase compared with the &#8364;2,475 million of operating profit recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2021 was &#8364;960 million, a 34.5% increase compared with the &#8364;714 million expense recorded for the year ended December 31, 2020, mainly as a result of higher operating profit before tax. The tax expense amounted to 27.2% of operating profit before tax for the year ended December 31, 2021, and 28.8% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2021 amounted to &#8364;2,568 million, a 45.8% increase compared with the &#8364;1,761 million recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">127</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2938"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TURKEY</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During each of 2021 and 2020, BBVA held a 49.85% stake in Garanti BBVA. On May 18, 2022, BBVA completed the acquisition of an additional 36.12% stake in Garanti BBVA. For additional information, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;History and Development of the Company&#8212;Capital Expenditures&#8212;2022&#8212;Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the Year Ended December 31, </span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,783</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(14.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">564</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">510</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">413</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">227</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">81.9</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(23.1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,422</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,573</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(4.2)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(890)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(880)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.1</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(118)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(150)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,414</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,544</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(5.1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(494)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(895)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(44.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(127)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,953</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,522</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">28.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(455)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(380)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,498</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,142</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">31.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit from corporate operations, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,498</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,142</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">31.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(758)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(579)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30.9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">740</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">563</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">31.3</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Turkish lira depreciated 23.4% against the euro in average terms in the year ended December 31, 2021, resulting in a negative exchange rate effect on our consolidated income statement for the year ended December 31, 2021 and in the results of operations of the Turkey operating segment for such period expressed in euros. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2021 amounted to &#8364;2,370 million, a 14.8% decrease compared with the &#8364;2,783 million recorded for the year ended December 31, 2020 as a result mainly of the depreciation of the Turkish lira against the euro and, to a lesser extent, higher funding costs. At a constant exchange rate, there was an 11.2% increase in net interest income, mainly as a result of higher Turkish lira-denominated loans. The net interest margin over total average assets of this operating segment amounted to 4.01% for the year ended December 31, 2021, compared with 4.53% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2021 amounted to &#8364;564 million, a 10.6% increase compared with the &#8364;510 million recorded for the year ended December 31, 2020, mainly as a result of the increase in payment systems and brokerage fees due to an increased volume of transactions, partially offset by the depreciation of the Turkish lira against the euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">128</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and exchange differences of this operating segment for the year ended December 31, 2021 amounted to &#8364;413 million gain, an 81.9% increase compared with the &#8364;227 million gain recorded for the year ended December 31, 2020, mainly due to the gains generated by trading transactions and the positive performance of the Global Markets unit, offset in part by the depreciation of the Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income and expense, net of this operating segment for the year ended December 31, 2021 was a &#8364;25 million income compared with the &#8364;11 million of net expense recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2021 was &#8364;50 million, a 23.1% decrease compared with the &#8364;64 million recorded for the year ended December 31, 2020, mainly as a result of the depreciation of the Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2021 amounted to &#8364;890 million, a 1.1% increase compared with the &#8364;880 million recorded for the year ended December 31, 2020. At a constant exchange rate, administration costs increased by 32.5%, which was above Turkey&#8217;s inflation rate for the period, mainly as a result of the higher average annual inflation rate (above 19%) and the return of certain employees to their positions once commercial activity started to pick up.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2021 was &#8364;118 million, a 20.8% decrease compared with the &#8364;150 million recorded for the year ended December 31, 2020, mainly due to the depreciation of the Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2021 was a &#8364;494 million expense, a 44.8% decrease compared with the &#8364;895 million expense recorded for the year ended December 31, 2020, mainly due to the positive evolution of certain write-off recoveries, the improvement of the macroeconomic scenario and the depreciation of the Turkish lira against the euro. The year ended December 31, 2020 was impacted by the worsening macroeconomic scenario as a result of the outbreak of the COVID-19 pandemic, which led to significant credit quality deterioration in the portfolio of financial assets measured at amortized cost, mainly loans and advances to customers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2021 were a &#8364;33 million income compared with the &#8364;127 million expense recorded for the year ended December 31, 2020, mainly due to higher capital gains from real estate sales and the lower provisions for special funds and contingent liabilities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2021 was &#8364;1,953 million, a 28.3% increase compared with the &#8364;1,522 million recorded for the year ended December 31, 2020. At a constant exchange rate, operating profit increased by 67.4%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2021 was &#8364;455 million, a 19.9% increase compared with the &#8364;380 million expense recorded for the year ended December 31, 2020, mainly as a result of the higher operating profit before tax. The effective tax rate amounted to</span><span style="color:#ffffff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">23.3% of the operating profit before tax for the year ended December 31, 2021, and 24.9% for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">129</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to non-controlling interests</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests of this operating segment for the year ended December 31, 2021 amounted to &#8364;758 million, a 30.9% increase compared with the &#8364;579 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2021 amounted to &#8364;740 million, a 31.3% increase compared with the &#8364;563 million recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">130</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2943"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SOUTH AMERICA</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the Year Ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,701</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">589</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">483</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">324</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20.3)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(690)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(459)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">50.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">79</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(13.9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,162</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,225</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(2.0)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,356)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,219)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.3</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(145)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(154)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5.7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,661</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,853</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(10.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(622)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(864)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(28.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(77)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(93)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(17.0)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">961</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">896</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(287)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(277)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">674</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">618</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">9.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit from corporate operations, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">674</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">618</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">9.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(184)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(173)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">491</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">446</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">10.1</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)  Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)   &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2021, the Argentine peso, the Colombian peso and the Peruvian sol depreciated by </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">11.3%</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (considering the period-end exchange rates), 4.8% and 13.0%, respectively, against the euro in average terms, compared with the year ended December 31, 2020. Overall, changes in exchange rates resulted in a negative exchange rate effect on our consolidated income statement for the year ended December 31, 2021 and in the results of operations of the South America operating segment for such period expressed in euros. See &#8220;&#8213;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020 and for the years then ended, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29 (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;Hyperinflationary economies - IAS 29&#8221; </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and Note 2.2.19 to our Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2021 amounted to &#8364;2,859 million, a 5.8% increase compared with the &#8364;2,701 million recorded for the year ended December 31, 2020, mainly as a result of the increase in the volume of loans, in particular, retail loans in Argentina and Colombia and consumer and credit cards loans in Peru, which were supported by the government recovery plans, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro. At constant exchange rates, there was a 15.5% increase. The net interest margin over total average assets of this operating segment amounted to 5.34% for the year ended December 31, 2021, compared with 4.84% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2021 amounted to &#8364;589 million, a 21.8% increase compared with the &#8364;483 million recorded for the year ended December 31, 2020, mainly as a result of higher transaction volumes after the sharp fall in activity due to the COVID-19 pandemic, and increases in certain credit cards transactions and fees in Argentina, after the temporary waiver or reduction of certain fees was terminated, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro. At a constant exchange rate, there was a 34.9% increase.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">131</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and exchange differences of this operating segment for the year ended December 31, 2021 were &#8364;324 million, a 20.3% decrease compared with the &#8364;407 million gain recorded for the year ended December 31, 2020, mainly due to the decrease in the valuation of the BBVA Group&#8217;s stake in Prisma Medios de Pago, S.A. in Argentina and the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro. At a constant exchange rate, there was an 11.6% decrease.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other net operating expense of this operating segment for the year ended December 31, 2021 was &#8364;690 million, a 50.3% increase compared with the &#8364;459 million expense recorded for the year ended December 31, 2020, mainly driven by the adjustment for hyperinflation in Argentina, offset in part by the depreciation of the currencies of the main countries where the BBVA Group operates within this operating segment against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income and expense on insurance and reinsurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net income on insurance and reinsurance contracts of this operating segment for the year ended December 31, 2021 was &#8364;79 million, a 13.9% decrease compared with the &#8364;92 million recorded for the year ended December 31, 2020 as a result of the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro and the decrease in income related to life insurance in Colombia. At constant exchange rates, there was a 7.1% decrease.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2021 amounted to &#8364;1,356 million, an 11.3% increase compared with the &#8364;1,219 million recorded for the year ended December 31, 2020, mainly as a result of increases in the inflation rate in Argentina, Colombia and Peru, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro. At constant exchange rates, there was a 21.6% increase.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization for the year ended December 31, 2021 was &#8364;145 million, a 5.7% decrease compared with the &#8364;154 million recorded for the year ended December 31, 2020, mainly due to the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2021 was a &#8364;622 million expense, a 28.0% decrease compared with the &#8364;864 million expense recorded for the year ended December 31, 2020, mainly as a result of lower credit deterioration and higher recoveries, in particular, in Peru and Colombia, and, to a lesser extent, the depreciation of the currencies of the main countries where the BBVA Group operates in the region against the euro. The year ended December 31, 2020 was impacted by the worsening macroeconomic scenario as a result of the outbreak of the COVID-19 pandemic, which led to significant credit quality deterioration in the portfolio of financial assets measured at amortized cost.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2021 were a &#8364;77 million expense, a 17.0% decrease compared with the &#8364;93 million expense recorded for the year ended December 31, 2020, attributable mainly to lower provisions for contingent risks related to the COVID-19 pandemic and the depreciation of the currencies of the main countries where the BBVA Group operates within this operating segment against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2021 was &#8364;961 million, a 7.3% increase compared with the &#8364;896 million recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">132</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2021 was &#8364;287 million, a 3.5% increase compared with the &#8364;277 million expense recorded for the year ended December 31, 2020, mainly as a result of the lower operating profit before tax. The effective tax rate amounted to 29.9% of operating profit before tax for the year ended December 31, 2021, and 31.0% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to non-controlling interests</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests of this operating segment for the year ended December 31, 2021 amounted to &#8364;184 million, a 6.3% increase compared with the &#8364;173 million recorded for the year ended December 31, 2020, due to the lower operating profit before tax.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2021 amounted to &#8364;491 million, a 10.1% increase compared with the &#8364;446 million recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">133</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2948"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:13pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">REST OF BUSINESS</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the Year Ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">281</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">291</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(3.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">248</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">332</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(25.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">171</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.0</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(69.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(38.2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">741</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">839</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(11.6)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(430)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(446)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3.6)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(0.3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">291</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">372</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(21.9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(85)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(51.9)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">314</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">280</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">12.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(60)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(57)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit from corporate operations, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">222</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14.2</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income of this operating segment for the year ended December 31, 2021 amounted to &#8364;281 million, a 3.3% decrease compared with the &#8364;291 million recorded for the year ended December 31, 2020. The net interest margin over total average assets of this operating segment amounted to 0.79% for the year ended December 31, 2021 compared with 0.80% for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of this operating segment for the year ended December 31, 2021 amounted to &#8364;248 million, a 25.4% decrease compared with the &#8364;332 million recorded for the year ended December 31, 2020 mainly due to decreased commissions from earnings in Europe and from the broker-dealer BBVA Securities Inc. in the United States.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and exchange differences of this operating segment for the year ended December 31, 2021 were &#8364;197 million, a 15.0% increase compared with the &#8364;171 million net gain recorded for the year ended December 31, 2020, mainly due to the positive performance of the activities the Group develops in the United States through its broker-dealer BBVA Securities Inc and the branches in Asia.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other operating income and expense, net of this operating segment for the year ended December 31, 2021 was &#8364;12 million of net income, a 69.2% decrease compared with the &#8364;39 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of this operating segment for the year ended December 31, 2021 amounted to &#8364;430 million, a 3.6% decrease compared with the &#8364;446 million recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">134</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization of this operating segment for the years ended December 31, 2021 and 2020 amounted to an expense of &#8364;20 million. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification of this operating segment for the year ended December 31, 2021 amounted to income of &#8364;27 million compared with the &#8364;85 million expense recorded for the year ended December 31, 2020, mainly as a result of higher recoveries in the New York branch and in the retail portfolio in Europe. The year ended December 31, 2020 was impacted by the worsening macroeconomic scenario as a result of the outbreak of the COVID-19 pandemic, which led to significant credit quality deterioration in the portfolio of financial assets measured at amortized cost, mainly loans and advances to customers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2021 were a &#8364;4 million expense compared with the &#8364;8 million expense recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating profit before tax of this operating segment for the year ended December 31, 2021 was &#8364;314 million, a 12.2% increase compared with the &#8364;280 million recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2021 was &#8364;60 million, a 4.8% increase compared with the &#8364;57 million expense recorded for the year ended December 31, 2020, mainly as a result of the higher operating profit before tax.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of this operating segment for the year ended December 31, 2021 amounted to &#8364;254 million, a 14.2% increase compared with the &#8364;222 million recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">135</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2953"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CORPORATE CENTER</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">For the Year Ended December 31,</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In %)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(163)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(164)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(0.4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net fees and commissions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(36)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(66)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(45.5)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">144</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">84.2</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other operating income and expense, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">146</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">275.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(95.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Gross income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">212</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(63)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(687)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(642)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.0</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(194)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(194)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(668)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(898)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(25.6)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(289)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(638)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,183)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(46.1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">268</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(64.9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit from continuing operations excluding corporate operations</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(544)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(915)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(40.6)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations/ Profit / (loss) from corporate operations, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(416)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,424)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(70.8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(960)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(2,339)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(59.0)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Profit / (loss) attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">n.m. (2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Profit / (loss) attributable to parent company</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(980)</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(2,339)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(58.1)</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Not meaningful. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net interest income / (expense)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest expense of the Corporate Center for the year ended December 31, 2021 was &#8364;163 million, a 0.4% decrease compared with the &#8364;164 million net expense recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net fees and commissions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net fees and commissions of the Corporate Center for the year ended December 31, 2021 was an expense of &#8364;36 million, a 45.5% decrease compared with the &#8364;66 million expense recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net gains (losses) on financial assets and liabilities and exchange differences, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net gains on financial assets and liabilities and exchange differences of the Corporate Center for the year ended December 31, 2021 were &#8364;266 million, an 84.2% increase compared with the &#8364;144 million net gains recorded for the year ended December 31, 2020, mainly as a result of increases in the market values of certain technology companies in which we invest through funds and investment vehicles.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other operating income and expense, net</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other net operating income of the Corporate Center for the year ended December 31, 2021 was &#8364;146 million compared with the &#8364;39 million recorded for the year ended December 31, 2020, mainly as a result of higher dividend income from technology companies in which we invest through funds and investment vehicles and which investments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Administration costs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Administration costs of the Corporate Center for the year ended December 31, 2021 amounted to &#8364;687 million, a 7.0% increase compared with the &#8364;642 million recorded for the year ended December 31, 2020, mainly as a result of the increase in personnel expense.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">136</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Depreciation and amortization</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation and amortization of the Corporate Center for the years ended December 31, 2021 and 2020 amounted to an expense of &#8364;194 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provisions or reversal of provisions and other results</span></div><div style="margin-bottom:10pt;margin-top:3pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions or reversal of provisions and other results of the Corporate Center for the year ended December 31, 2021 were &#8364;32 million of income compared with the &#8364;289 million expense recorded for the year ended December 31, 2020. Provisions for the year ended December 31, 2020 correspond to the deterioration of investments in subsidiaries, joint venture or associates businesses. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operating profit / (loss) before tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, operating loss before tax of the Corporate Center for the year ended December 31, 2021 was &#8364;638 million, a 46.1% decrease compared with the &#8364;1,183 million loss recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax income related to profit or loss from continuing operations of the Corporate Center for the year ended December 31, 2021 amounted to &#8364;94 million, a 64.9% decrease compared with the &#8364;268 million income recorded for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit / (loss) from discontinued operations/ Profit / (loss) from corporate operations, net </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Profit / (loss) from discontinued operations/ Profit / (loss) from corporate operations of the Corporate Center for the year ended December 31, 2021 amounted to a &#8364;416 million loss compared with the &#8364;1,424 million loss recorded for the year ended December 31, 2020. Figures for the year ended December 31, 2021 include the cost recorded in connection with the agreement on the collective layoff procedure BBVA reached with union representatives on April 13, 2021 in Spain, amounting to &#8364;994 million (see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212; Agreement on the Collective Layoff Procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;&#8213;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;Agreement on the collective layoff procedure</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 24 to our Consolidated Financial Statements) offset by the results generated by the USA Sale. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8213;Sale of BBVA USA Bancshares, Inc</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Material Contracts&#8212;Sale of BBVA USA to The PNC Financial Services Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. The loss in the year ended December 31, 2020 was mainly the result of the goodwill impairment losses recognized in the United States CGU, which were recorded in this line item. See Note 21 to our Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Profit attributable to parent company</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the foregoing, profit attributable to parent company of the Corporate Center for the year ended December 31, 2021 was a loss of &#8364;980 million, a 58.1% decrease compared with the &#8364;2,339 million loss recorded for the year ended December 31, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">137</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_238"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.   Liquidity and Capital Resources</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s principal source of funds is its customer deposit base, which consists primarily of demand, savings and time deposits. In addition to relying on customer deposits, BBVA also accesses the interbank market (overnight and time deposits) and domestic and international capital markets for its additional liquidity requirements. To access the capital markets, BBVA has in place a series of domestic and international programs for the issuance of commercial paper and medium- and long-term debt. Another source of liquidity is the generation of cash flow from operations. Finally, BBVA supplements its funding sources with borrowings from the ECB or the respective central banks of the countries where its subsidiaries are located. As of December 31, 2022, BBVA had drawn down &#8364;26,711 million under the TLTRO III (&#8364;38,692 million as of December 31, 2021).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In its monetary policy decision of October 27, 2022, the ECB decided to adjust the interest rates applicable to TLTRO III from November 23, 2022 and offer credit institutions additional voluntary early repayment dates for these operations. For additional information on this monetary policy decision, see Note 22.1 to the Consolidated Financial Statements. In December 2022, BBVA began the repayment of funds withdrawn under the TLTRO III program for an amount of &#8364;12 billion, corresponding to approximately a third of the total drawn amount. The positive income generated by the funds obtained from drawdowns of the ECB&#8217;s TLTRO III facilities was recorded under the heading of &#8220;Interest and other income &#8211; Other income&#8221; in the consolidated income statement for the year ended December 31, 2022 (see Note 37.1), while the borrowing costs of the drawdowns of the TLTRO III facilities were recorded under &#8220;Interest expense&#8221; in the consolidated income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table shows the balances as of December 31, 2022, 2021 and 2020 of our principal sources of funds (including accrued interest, hedge transactions and issue expenses):</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:48.514%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.696%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,273</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,600</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51,454</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,010</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,006</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">405,897</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">367,441</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">353,026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Debt certificates </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,717</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">59,159</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">66,311</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,678</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20,661</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17,975</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">583,424</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">541,871</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">530,773</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Liquidity and Funding Risk Management of the BBVA Group aims, in the short term, to prevent any Group entity from having difficulties in meeting its payment commitments and from having to resort &#8211;in order to meet them&#8211; to obtaining funds on burdensome conditions and, in the medium term, to support the suitability of the Group's financial structure and its evolution, within the prevailing economic, market and regulatory conditions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One of the key elements in BBVA's Group Liquidity and Financing Risk Management is the maintenance of large, high quality liquidity buffers in all its bank subsidiaries. Due, in part, to the Group&#8217;s decision to follow a Multiple Point of Entry strategy, in accordance with the framework for the resolution of financial entities designed by the FSB, the Group&#8217;s subsidiaries are self-sufficient and each subsidiary is responsible for managing its own capital and liquidity, without fund transfers or financing between either the parent company and the subsidiaries or between the different subsidiaries. This strategy aims to limit the spread of a liquidity crisis among the Group&#8217;s different areas, and supports that the cost of liquidity and financing is correctly reflected in the price formation process. As part of this strategy, the BBVA Group is organized into eight Liquidity Management Units (LMU) composed of the parent company and the bank subsidiaries in Spain, Mexico, Turkey and South America (Argentina, Colombia, Peru, Uruguay and Venezuela), plus the branches that depend on them.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding liquidity and funding performance, the BBVA Group seeks to maintain an adequate and dynamic funding structure consistent with the existing Risk Appetite Framework, through liquidity and funding planning. In this regard, the Liquidity and Funding Management model evaluates liquid resources needed and the ability to maintain the liquidity profile over the planning horizon, including in the face of unexpected stress conditions. The Group&#8217;s funding structure is predominantly of a retail nature, as customer deposits represent the main source of funding.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">138</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022, in an environment of greater uncertainty, characterized by increasing interest rates and the withdrawal of central banks&#8217; monetary stimulus, liquidity conditions remained adequate in all the countries where the BBVA Group operates, with the war in Ukraine not having had a significant impact on the liquidity and funding situation of the BBVA Group units. In addition, throughout 2022, BBVA has maintained its objective of preserving the strength of the funding structure of the different Group entities by focusing on strengthening self-funding from customer funds, maintaining a buffer of fully available liquid assets, diversifying sources of funding and generating and optimizing collateral available to deal with the withdrawal of central banks&#8217; monetary stimulus and/or stress situations in the markets. Increases in interest rates have had an adverse impact on the demand for credit and funding costs. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022, 2021 and 2020, all LMU held self-funding levels deemed by the Group to be sufficient, mainly satisfied by customer deposits. The Liquidity Coverage Ratio (LCR), a liquidity buffer, at both a consolidated and individual level, was 159% as of December 31, 2022 (in excess of the required 100%) and 165% as of December 31, 2021 (in excess of the required 100%). The net stable funding ratio (NSFR) of the BBVA Group was 135% as of December 31, 2022 and 2021 (in excess of the required 100%). The NSFR ratio is the result of the division between the amount of stable funding available and the amount of stable funding required, requiring banks to maintain a stable financing profile in relation to the composition of their assets and off-balance sheet activities. </span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group has pension commitments with its employees, which are due on retirement, death and long term disability. The Group maintains insurance contracts contracted with insurance companies owned by the Group, which use derivatives to mitigate the interest rate risk arising from such commitments. See Notes 23 and 25 to the Consolidated Financial Statements for additional information on the Group&#8217;s contractual obligations with respect to its insurance activity and the post-employment benefits of the Group, respectively. See also &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 3. Key Information&#8212;Risk Factors&#8212;Financial Risks&#8212;The Group has a substantial amount of commitments with personnel considered wholly unfunded due to the absence of qualifying plan assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the BBVA Group holds loan commitments and financial guarantees as of December 31, 2022, 2021 and 2020 which are in turn possible obligations of the entity that arise from past events and whose existence depends on the occurrence or non-occurrence of one or more future events independent of the entity&#8217;s will and that could lead to the recognition of financial assets. For information on loan commitments, financial guarantees and other commitments given by the Group, see Note 33 to the Consolidated Financial Statements.</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe that our working capital is sufficient for our present requirements and to pursue our planned business strategies. Please see Notes 51 and 7.5 to our Consolidated Financial Statements for additional information on the Group&#8217;s liquidity and capital resources.</span></div><div style="text-align:justify;text-indent:14.17pt"><span><br/></span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Potential structural limitations affecting Banco Bilbao Vizcaya Argentaria, S.A.&#8217;s funding</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As some of the Group&#8217;s operations are conducted through subsidiaries, Banco Bilbao Vizcaya Argentaria, S.A.&#8217;s results depend in part on the ability of its subsidiaries to generate earnings.</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Group operates in Spain, Mexico, Turkey and over 25 other countries, mainly in Europe, South America, the United States and Asia. Our banking subsidiaries around the world are subject to supervision and regulation by a variety of regulatory bodies relating to, among other things, the satisfaction of different solvency, resolution and/or governance requirements. The obligation to satisfy such requirements may affect the ability of our banking subsidiaries to transfer funds to Banco Bilbao Vizcaya Argentaria, S.A. in the form of cash dividends, loans or advances. In addition, under the laws of the various jurisdictions where our subsidiaries are incorporated, dividends may only be paid out of funds legally available and, in certain cases, subject to the prior approval of the competent regulatory or supervisory authorities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Even where any applicable requirements are met and funds are legally available, the relevant regulator could advise against the transfer of funds to Banco Bilbao Vizcaya Argentaria, S.A. in the form of cash dividends, loans or advances, for prudence reasons or otherwise. For example, in response to the crisis caused by the COVID-19 pandemic, certain restrictions were adopted that affect the distribution and/or repatriation of dividends of some of the Group&#8217;s subsidiaries. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;The COVID-19 Pandemic</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There is no assurance that in the future other similar restrictions will not be adopted or that, if adopted, they will not adversely affect Banco Bilbao Vizcaya Argentaria, S.A.&#8217;s liquidity. The geographic diversification of the Group&#8217;s businesses, however, may help to limit the effect of any restrictions that could be adopted in any given country. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">139</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_241"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Customer deposits</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Customer deposits (including &#8220;Financial liabilities at amortized cost - Customer deposits&#8221;, &#8220;Financial liabilities designated at fair value through profit or loss &#8211; Customer deposits&#8221; and &#8220;Financial liabilities held for trading &#8211; Customer deposits&#8221;) amounted to &#8364;405,897 million as of December 31, 2022 compared with &#8364;367,441 million as of December 31, 2021 (&#8364;353,026 million as of December 31, 2020), a 10.5% increase, mainly due to increases in demand deposits within the retail portfolio in Mexico and Spain, as a result of the customers&#8217; preference to hold liquid assets in the prevailing uncertain environment and, to a lesser extent, the increase in the yield of time deposits in Argentina and to a lesser extent, in Colombia, offset, in part, by the depreciation of the currencies of some of the main non-euro countries where the BBVA Group operates (in particular, the Turkish lira and the Argentine peso).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our customer deposits, excluding repurchase agreements, amounted to &#8364;392,337</span><span style="background-color:#ffffff;color:#ffffff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">million as of December 31, 2022 compared with &#8364;349,350 million as of December 31, 2021 (&#8364;342,862 million as of December 31, 2020).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Short-term customer deposits at amortized cost amounted to &#8364;373,282 million as of December 31, 2022, or 92.0% of our total customer deposits, an increase from 90.9% of our total customer deposits as of December 31, 2021 (see Note 22.3 to the Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits from credit institutions and central banks</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table shows amounts due to credit institutions and central banks as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:46.665%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">As of December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,010</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,006</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,273</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,600</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51,454</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">98,132</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">94,610</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">93,460</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposits from credit institutions and central banks amounted to &#8364;98,132 million as of December 31, 2022 compared with &#8364;94,610 million as of December 31, 2021 (&#8364;93,460 million as of December 31, 2020). The increase as of December 31, 2022 compared to December 31, 2021 was mainly attributable to increases in time deposits from credit institutions in Spain in the amortized cost portfolio, as a result of the higher interest rate environment, partially offset by the decrease in deposits from central banks, driven mainly by the aforementioned partial repayment by BBVA of drawdowns under the ECB&#8217;s TLTRO III facilities. The increase as of December 31, 2021 compared to December 31, 2020 was mainly attributable to an increase in time deposits from central banks as a result of higher drawdowns under the TLTRO III facilities of the ECB.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_244"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Capital markets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We make debt issuances in the domestic and international capital markets in order to finance our activities. As of December 31, 2022 we had &#8364;42,944 million of debt certificates, comprising &#8364;41,515 million in bonds and debentures and &#8364;1,430 million in promissory notes and other securities, compared with &#8364;40,969 million, &#8364;40,071 million and &#8364;898 million outstanding, respectively, as of December 31, 2021, and &#8364;45,304 million, &#8364;43,419 million and &#8364;1,884 million outstanding, respectively, as of December 31, 2020 (see Note 22.4 to the Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, we had a total of &#8364;12,509 million in subordinated debt and subordinated deposits and nil preferred securities outstanding as of December 31, 2022 compared with &#8364;14,808 million and nil, respectively, as of December 31, 2021 (&#8364;16,295 million and &#8364;194 million, respectively, as of December 31, 2020).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a breakdown as of December 31, 2022 of the maturities of our debt certificates (including bonds), subordinated debt, subordinated deposits and preferred securities. Regulatory equity instruments have been classified according to their contractual maturity:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:36.342%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.842%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Demand</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Up to 1 Month</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1 to 3 Months</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3 to 12 Months</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1 to 5 Years</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 5 Years</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Debt certificates (including bonds)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,793</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,144</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,690</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24,051</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,267</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,944</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subordinated debt, subordinated deposits and preferred securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">202</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,438</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,830</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,509</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,794</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,184</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,892</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">26,488</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">17,097</span></td><td colspan="3" style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">55,454</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">140</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_250"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Capital</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, 2021 and 2020, equity is calculated in accordance with current regulations on minimum capital base requirements for Spanish credit institutions on both an individual and consolidated basis. These regulations dictate how to calculate equity levels, as well as the various internal capital adequacy assessment processes they should have in place and the information such institutions should disclose to the market.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The minimum capital base requirements established by the current regulations are calculated according to the Group&#8217;s exposure to credit and dilution risk, counterparty and liquidity risk relating to the trading portfolio, exchange-rate risk and operational risk. In addition, the Group must fulfill the risk concentration limits established in these regulations and internal corporate governance obligations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For information on our SREP requirements, our consolidated capital ratios as of December 31, 2022, 2021 and 2020, our RWAs, our MREL requirements, the capital issuances of Banco Bilbao Vizcaya Argentaria, S.A. and the impact on BBVA&#8217;s CET1 arising from certain singular effects, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and Note 32 to our Consolidated Financial Statements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_253"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.   Research and Development, Patents and Licenses, etc.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2022, we continued to foster the use of new technologies as a key component of our global development strategy. We explored new business and growth opportunities, focusing on three major areas: emerging technologies; digital banking; and data driven initiatives, in each case with the customer as the focal point of our banking business.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group is not materially dependent on the issuance of patents, licenses and industrial, mercantile or financial contracts or on new manufacturing processes in carrying out its business purpose.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_256"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D.   Trend Information</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The European financial services sector is expected to remain competitive in the current challenging environment. See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 4. Information on the Company&#8213;Competition&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. See also &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 3. Key Information&#8212;Risk Factors&#8212;Business Risks&#8212;The Group faces increasing competition and is exposed to a changing business model</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Trends expected to shape the sector&#8217;s profitability in the future include the following: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">higher interest rates, especially in Spain, after a protracted period of low (or even negative) interest rates. Changes in interest rates are particularly important in countries like Spain, where mortgages account for a significant proportion of credit (more than 40%) and approximately seven out of 10 mortgages are estimated to be based on floating rates. Given current and expected inflation, interest rates are expected to continue to rise in the near future. Ceteris paribus, an increase in interest rates would be favorable to the Group, as a result mainly of the revaluation of variable rate loans and the fact that deposit rates continue to be low. However, it may also lead to an increase in non-performing loans (and RWAs) and a decrease in the demand for loans, in addition to resulting in higher funding costs;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a more challenging competitive environment with the entry of non-bank digital financial services providers, which are growing very fast in line with technological advances and becoming a very important competitor for the banking industry. These entities do not have to comply with a regulation scheme as strict as that applicable to banks. For additional information, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8213;Competition</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the completion and the implementation of the ongoing financial regulatory reforms. On one hand, when such reforms are applied locally, inconsistently and heterogeneously, regulatory fragmentation and the implementation by some countries of more flexible or stricter rules or regulations may put certain banks at a disadvantage. Conversely, it is possible that, in the framework of the banking union and in the capital markets union, regulatory changes and enhanced institutional architecture might contribute to a less fragmented, but more competitive, landscape. Moreover, regulatory changes, adopted or proposed, as well as their interpretation or application, have increased and may continue to substantially increase operating expenses and decrease margins. For information on certain significant supervision and regulatory matters which affect the Group, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;; </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the increasing tax burden in certain regions such as the temporary windfall tax applicable to credit institutions operating in Spain, the Financial Transactions Tax (which would tax the acquisitions of certain securities, negotiated in markets where the Group operates), and the Spanish FTT which came into effect in Spain in January 2021;</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">141</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.15pt">the adoption of novel pro-consumer regulation and measures, such as the proposed creation of a new administrative authority in Spain, which shall resolve complaints against banks from individuals and companies, and the amendments introduced in the Code of Good Practices, easing the impact of interest rate hikes on mortgage loans agreements related to primary residences, among others (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Principal Markets&#8212;Spain</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for additional information);</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the effects of the COVID-19 pandemic crisis and actions taken by governments in connection therewith. For a discussion on the impact of COVID-19 on the Group&#8217;s business and, more generally, economic conditions, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8213;Factors Affecting the Comparability of our Results of Operations and Financial Condition&#8213;The COVID-19 Pandemic&#8221; and &#8220;&#8213;Operating Results&#8213;Operating Environment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the increasing concern over ESG and climate change matters, which may result, among others, in changes in consumer preferences and additional legislation and regulatory requirements. For example, several of the European Union&#8217;s sustainability initiatives are expected to significantly impact asset management activities in 2023, as asset managers need to include sustainability as part of their financial advice. In addition, the ECB conducted a stress test on climate-related risks (CST) in 2022, whose output will be integrated into the annual Supervisory Review and Examination Process (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SREP</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) using a qualitative approach. The test aimed to identify vulnerabilities, industry best practices and the challenges faced by banks and may result in increased regulation. For additional information see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Further, climate-related disasters could result in market volatility, negatively impact customers&#8217; ability to pay outstanding loans, result in the deterioration of the value of collateral or insurance shortfalls or otherwise disrupt the operations of banks or the operations of their customers or third parties on which they rely. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 3. Key Information&#8212;Risk Factors&#8212;Business Risks&#8212;The Group is exposed to various risks in connection with climate change</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_259"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">E.    Critical Accounting Estimates</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_262"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 6.   DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have a one-tier board system with a single collegiate body, the Board of Directors, that is collectively responsible for the highest functions of managing the Company and overseeing and controlling the management of the Company, all with the aim of achieving the Company&#8217;s purpose and best corporate interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Board of Directors is subject to Board of Directors Regulations that reflect and implement the principles and elements of BBVA&#8217;s concept of corporate governance. These Board of Directors Regulations include standards for the internal management and operation of the Board and its committees, as well as the rights and obligations of directors in the performance of their duties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General shareholders&#8217; meetings are subject to their own set of regulations on issues such as how they operate and what rights shareholders have at such meetings. These establish the possibility of exercising or delegating votes over remote communication media.</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Board of Directors has approved the annual report on corporate governance and a report on directors&#8217; remuneration for 2022, according to the provisions established in the Spanish regulation for listed companies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shareholders and investors may find the documents referred to above on BBVA&#8217;s website (www.bbva.com), under the &#8220;Shareholders and Investors&#8221; and &#8220;Corporate Governance and Remuneration Policy&#8221; sections.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s website was created to facilitate information and communication with shareholders and other stakeholders. It provides special direct access to all information considered relevant to BBVA&#8217;s corporate governance system in a user-friendly manner. In addition, all the information required by Article 539 of the Spanish Corporate Enterprises Act can be accessed on BBVA&#8217;s website (www.bbva.com).</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_265"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.   Directors and Senior Management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are managed by a Board of Directors that is currently composed of 15 members, 13 of which are non-executive directors and two are executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to Article 1 of the Board of Directors Regulations, Bank&#8217;s directors may be executive or non-executive. Executive directors will be those who perform management duties in the Bank or any of its Group companies, irrespective of the legal relationship they have with it. All other members of the Board of Directors will hold non-executive directorships, and may be proprietary, independent or other external directors.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">142</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Independent directors are those non-executive directors who are appointed based on their personal and professional qualities and who may perform their duties without being constrained by their relationship with the Company, or its Group, its significant shareholders or managers. Under the Board of Directors Regulations, directors may not be considered independent in any of the following situations:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">They have been employees or have been executive directors of Group companies in the last three or five years, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">They receive from the Bank, or from Group companies, any amount or benefit for any item other than director&#8217;s remuneration, except for those which are not significant for such director. For the purposes of this item, neither dividends nor pension allowances received by directors relating to their previous professional or employment relations will be taken into account, provided that said allowances are unconditional in nature and, therefore, the company that provides said allowances may not suspend, modify or revoke their accrual at its discretion without breaching its obligations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">They are, or have been in the past three years, a partner of an external auditor or have been responsible during this time for the auditor&#8217;s report of the Company or any other company within its Group. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">They are executive directors or senior managers of another company for which an executive director or senior manager of the Company is an external director.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">e.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">They have, or have had over the last year, a significant business relationship with the Bank or any company within its Group, whether in their own name or as a significant shareholder, director or senior manager of a company that has, or has had, such a relationship. Business relationships include supplying goods or services, including financial services, as well as acting as an adviser or consultant. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">f.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.17pt">They are significant shareholders, executive directors or senior managers of a company that receives, or has received in the past three years, donations from the Company or from its Group. Those who are simply trustees of a foundation receiving donations will not be considered included in this item. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">g.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt"> They are spouses, partners in a similar relationship of affection or relatives up to the second degree of an executive director or senior manager of the Company. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">h.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">They have not been proposed for appointment or renewal by the Appointments and Corporate Governance Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">i.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.73pt">They have been directors for a continuous period of more than twelve years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">j.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.73pt">In relation to a significant shareholder or shareholder represented on the Board of Directors, any of the circumstances referred to in items (a), (e), (f) or (g) above shall apply. In the event of the kinship relations referred to in item (g), the limitation will apply not only to the shareholder, but also to any proprietary directors of the company in which shares are held.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:22.5pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The directors with a shareholding in the Company may be considered independent provided that they do not meet the conditions above and, in addition, that their shareholding is not legally regarded as significant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Board of Directors Regulations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The principles and elements comprising our corporate governance are set forth in our Board of Directors Regulations, which govern the internal procedures and the operation of the Board and its committees, as well as directors&#8217; rights and duties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The full text of the Board of Directors Regulations and those of the Board committees can be found on BBVA&#8217;s website (www.bbva.com).</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following provides a brief description of several significant matters covered in the Board of Directors Regulations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Performance of Directors&#8217; Duties</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Directors must fulfil the duties imposed by laws and the Bylaws with fidelity to the corporate interest, understood as the interest of the Company.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">143</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">They will participate in the deliberations, discussions and debates held on matters submitted for their consideration, and they should clearly express their opposition when they consider that any proposal submitted to the Bank&#8217;s corporate bodies may be contrary to the corporate interest or may harm shareholders not represented on the Board of Directors, and will be provided in advance with the information needed to form an opinion with respect to the matters within the remit of the Bank&#8217;s corporate bodies. They may ask for any additional information and advice required to perform their duties. They must devote to their duty the necessary time and effort to perform it effectively and are required to attend the meetings of the corporate bodies on which they sit, except for a justifiable reason.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The directors may also request the Board of Directors for external expert assistance for any matters submitted to their consideration whose special complexity or importance so requires.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Conflicts of Interest</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The rules comprising the Board of Directors Regulations detail different situations in which conflicts of interest could arise between directors, their family members and/or organizations to which they are linked, and the BBVA Group. They set out procedures for such cases, in order to avoid conduct contrary to our best interests. The rules contained in the Board of Directors Regulations are in line with the specific regulations established in the Spanish Corporate Enterprises Act.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These rules help ensure directors&#8217; conduct reflects stringent ethical codes, in keeping with applicable standards and according to core values of the BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Incompatibilities </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Directors are also subject to the rules on limitations and incompatibilities established under the applicable regulations at any time and, in particular, to the provisions of Spanish Law 10/2014 and Circular 2/2016, of the Bank of Spain, for credit institutions on regulation, supervision and solvency. A director of BBVA may not simultaneously hold more positions than those provided for in the following combinations: (i) one executive position and two non-executive positions; or (ii) four non-executive positions. Executive positions are understood to be those that undertake management duties irrespective of the legal bond attributed by those duties. In this respect, the following will count as a single position: 1) executive or non-executive positions held within the same group; 2) executive or non-executive positions held within (i) entities that form part of the same institutional protection scheme or (ii) traded companies in which the entity holds a significant shareholding. Positions held in non-profit organizations or entities or companies pursuing non-commercial purposes will not count when determining the maximum number of positions. Nevertheless, the Bank of Spain may authorize members of the Board of Directors to hold an additional non-executive position if it deems that this would not interfere with the proper performance of the director&#8217;s activities in the credit institution. </span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, pursuant to the provisions of Article 11 of Board of Directors Regulations, directors may not provide professional services to companies competing with the Bank or any of its Group companies, or agree to be an employee, manager or director of such companies, unless they have received express prior authorization from the Board of Directors or from the general shareholders&#8217; meeting, as appropriate, or unless these activities had been provided or conducted before the director joined the Bank, they had posed no effective competition and they had informed the Bank of such at that time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Term of Directorships and Director Age Limit</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Directors will stay in office for the term set out in our Bylaws (three years). If they have been co-opted, they will stay in office until the first general shareholders&#8217; meeting is held. The general shareholders&#8217; meeting may then ratify their appointment for the term of office established under our Bylaws.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s Board of Directors Regulations establish an age limit for sitting on the Bank&#8217;s Board. Directors must submit their resignation at the first meeting of the Bank&#8217;s Board of Directors to be held after the general shareholders&#8217; meeting approving the accounts for the financial year in which they reach the age of seventy-five years.</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Appointment and Re-election of Directors </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The proposals for appointment or re-election of directors submitted by the Board of Directors to the general shareholders&#8217; meeting, as well as the appointments made directly to fill vacancies under its co-opting powers, will be approved at the proposal of the Appointments and Corporate Governance Committee for independent directors and prior report from this Committee for all other directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The proposal must be accompanied by an explanatory report by the Board of Directors assessing the skills, experience and merits of the candidate proposed, which will be added to the minutes of the general shareholders&#8217; meeting or the Board of Directors meeting.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">144</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To such end, the Appointments and Corporate Governance Committee will evaluate the balance of knowledge, skills and experience of the Board of Directors, as well as the conditions that the candidates must meet to cover the vacancies that arise, assessing the dedication of time considered necessary to adequately carry out their duties, in view of the needs of the corporate bodies at any given time.</span></div><div style="text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Directors&#8217; Resignation and Dismissal</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, in accordance with the Board of Directors Regulations, directors must offer their resignation to the Board of Directors and accept its decision regarding their continuity in office or not. Should the Board decide against their continuity, they are required to tender their resignation in any of the following circumstances:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">When they are affected by circumstances of incompatibility or prohibition as defined under legislation in force, in the Bylaws or in the Board of Directors Regulations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">When significant changes occur in their personal or professional situation that affect the status by virtue of which they were appointed as directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the event of serious breach of their duties in the performance of their role as directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">When, for reasons attributable to the directors in their status as such, serious damage has been done to the Company&#8217;s equity, standing or reputation; or</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">When they are no longer suitable to hold the status of director of the Bank.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Evaluation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Article 17 of the Board of Directors Regulations indicates that the Board of Directors will assess the quality and effectiveness of the operation of the Board of Directors, as well as will assess the performance of the duties of the Chair of the Board, based in each case on the report submitted by the Appointments and Corporate Governance Committee (process which will be led by the Lead Director with respect to the Chair according to article 21 of the Board of Directors Regulations). Likewise, the Board of Directors will carry out the assessment of the operation of its committees, based on the reports submitted thereby. Furthermore, the Board of Directors will assess the performance of the Chief Executive Officer, based on the report submitted by the Appointments and Corporate Governance Committee, which will include the assessment made by the Executive Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, Article 18 of the Board of Directors Regulations establishes that the Chair will organize and coordinate the periodic assessment of the Board&#8217;s performance with the chairs of the relevant committees. Pursuant to the provisions of the Board of Directors Regulations, during the assessment process conducted for 2022, the Board of Directors evaluated: (i) the quality and efficiency of the operation of the Board of Directors; (ii) the performance of the duties of the Chair and the Chief Executive Officer; and (iii) the operation of the Board committees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">The Board of Directors </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, our Board of Directors is comprised of 15 members, 13 of which are non-executive directors and two are executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the names of the members of the Board of Directors as of the date of this Annual Report, their date of appointment and, if applicable, re-election, their current positions and their present principal outside occupation and main employment history.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">145</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:34.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Name</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Birth Year</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Current Position</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date Nominated</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date Re-elected</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Principal Business Activities and Employment History (*)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Carlos Torres Vila (1)(6)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1966</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">May 4, 2015</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 18, 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair of the Board of Directors of BBVA since December 2018. Chair of the Executive Committee and of the Technology and Cybersecurity Committee. Director at the following BBVA Group companies: Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and BBVA M&#233;xico S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero BBVA M&#233;xico. Chief Executive Officer of BBVA from May 2015 to December 2018. He started at BBVA in September 2008 holding senior management posts such as Head of Digital Banking from March 2014 to May 2015 and Head of BBVA Strategy &amp; Corporate Development from January 2009 to March 2014. He previously held positions of responsibility in other companies, such as Chief Financial Officer, Corporate Director of Strategy and member of the Executive Committee of Endesa, as well as elected partner at McKinsey &amp; Company.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Onur Gen&#231; (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1974</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chief Executive Officer</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">December 20, 2018</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 18, 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chief Executive Officer of BBVA since December 2018. Director at the following BBVA Group companies: Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and BBVA M&#233;xico S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero BBVA M&#233;xico. President and CEO of BBVA USA and BBVA&#8217;s Country Manager in the United States from 2017 to December 2018. Deputy CEO at Garanti BBVA between 2015 and 2017 and Executive Vice President for retail and private banking at Garanti BBVA between 2012 and 2015. He has also held positions of responsibility in different McKinsey &amp; Company offices, having been a Senior Partner and Manager of its Turkish office. </span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jos&#233; Miguel Andr&#233;s Torrecillas (1)(2)(3)(8)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1955</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deputy Chair; Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 13, 2015</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deputy Chair of the BBVA Board of Directors since April 2019. Chair of the Appointments and Corporate Governance Committee. Chair of Ernst &amp; Young Spain from 2004 to 2014, where he was a partner since 1987 and also held a series of senior offices, including Managing Partner of the Banking Group from 1989 to 2004, General Managing Partner for Audit and Advisory Services at Ernst &amp; Young Spain from 2001 to 2004, and Managing Director of the Audit and Advisory practices at Ernst &amp; Young Italy and Portugal from 2008 to 2013. He has been a member of various organizations such as the ROAC (Official Registry of Auditors), the REA (Registry of Economic Auditors), the Governing Board of the Spanish Institute of Financial Analysts, Empresa y Sociedad Foundation, Spanish Institute of Chartered Accountants, Advisory Board of the Institute of Internal Auditors; and of the Institute of Chartered Accountants in England &amp; Wales (the ICAEW). He has been director of Zardoya Otis, S.A. from 2015 to 2022. </span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jaime F&#233;lix Caruana Lacorte (1)(2)(5)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1952</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 16, 2018</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair of the Audit Committee. Member of the Group of Thirty (G-30), Sponsor (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">patrono</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">) of the Spanish Aspen Institute Foundation, President of the International Center for Monetary and Banking Studies&#8217; (ICMB) Foundation Board and Member of the China Banking and Insurance Regulatory Commission&#8217;s (CBIRC) International Advisory Committee. General Manager of the Bank of International Settlements (BIS) between 2009 and 2017. Between 2006 and 2009 he was Head of the Monetary, Capital Markets Department and Financial Counselor and General Manager at the International Monetary Fund (IMF), between 2003 and 2006 he was Chair of the Basel Committee on Banking Supervision, and between 2000 and 2006 he was Governor of the Bank of Spain and member of the Governing Council of the European Central Bank.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">146</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:34.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ra&#250;l Catarino Galamba de Oliveira (5)(6)(7)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1964</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 13, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not applicable</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lead Director of BBVA since April 2022. Independent Chair of the Board of Directors of CTT &#8211; Correios de Portugal, S.A. and non-executive director of Jos&#233; de Mello Sa&#250;de and Jos&#233; de Mello Capital. His career path has been mainly linked to McKinsey &amp; Company, where he was appointed partner in 1995, Director of the global practice of financial services in 2000, Managing Partner for Spain and Portugal between 2005 and 2011, Managing Partner of Global Risk practice between 2013 and 2016, member of the Global Shareholders Council from 2005 to 2011, member of the Global Partner Election and Evaluation Committees between 2001 and 2017, member of the Remuneration Committee from 2005 to 2013 and Chair of the Global Learning Board from 2006 to 2011.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:34.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bel&#233;n Garijo L&#243;pez (2)(3)(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1960</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 16, 2012</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair of the Remuneration Committee. Chair of the Executive Board and CEO of Merck Group, member of the Board of Directors of L&#8217;Or&#233;al and, since 2011, Chair of the International Senior Executive Committee (ISEC) of PhRMA, (Pharmaceutical Research and Manufacturers of America). Previously, she has held various positions of responsibility at Abbot Laboratories (1989&#8211;1996), Rh&#244;nePoulenc (1996&#8211;1999), Aventis Pharma (1999&#8211;2004), Sanofi Aventis (2004&#8211;2011) and Merck (since 2011).</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Connie Hedegaard Koksbang</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1960</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 18, 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not applicable</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent director at Danfoss A/S and non-executive director at Cadeler A/S. She participates on an ongoing basis in international forums and organizations and in foundations such as her membership of the Supervisory Board at the European Climate Foundation. Chair of the OECD&#8217;s Round Table on Sustainable Development, a member of the Climate and Environment Advisory Council of the European Investment Bank (EIB), Chair of the Board of Trustees at the KR Foundation, Chair of CONCITO, Chair of the European Commission&#8217;s Mission Adaptation to Climate Change, including Social Change, Chair of the Board at Aarhus University, and a member of the Sustainability Council at Volkswagen and advisor to the Board of Gazelle Wind Power. She has been non-executive director of Nordex SE from 2016 to 2022. She has held various positions in the public sector in Denmark and the European Union, such as EU Commissioner for Climate Action, Danish Minister for Climate and Energy, Minister for Environment, and Minister for Nordic Cooperation.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lourdes M&#225;iz Carro (2)(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1959</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 14, 2014</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 13, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Secretary of the Board of Directors and Director of Legal Services at Iberia, L&#237;neas A&#233;reas de Espa&#241;a from 2001 until 2016; as well as Director of several companies, including Renfe, GIF (Gerencia de Infraestructuras Ferroviarias &#8211; Railway Infraestructure Administrator, now ADIF), the ICO (Instituto de Cr&#233;dito Oficial &#8211; Official Credit Institution), Aldeasa and Banco Hipotecario. Joined the Spanish State Counsel Corps (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Cuerpo de Abogados del Estado</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">) in 1992 and held various senior positions in the Public Administration, including Director of the Cabinet of the Assistant Secretary of Public Administration, Director of the Cabinet of the Assistant Secretary of Education; General Director of Administrative Organization, Personnel and IT, General Director of the Sociedad Estatal de Participaciones Patrimoniales (SEPPA) within the Ministry of Economy and Finance and Technical General Secretary of the Ministry of Agriculture, Fisheries and Food.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">147</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:34.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jos&#233; Maldonado Ramos (1)(3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1952</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">January 28, 2000</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Appointed Director and General Secretary of BBVA in January 2000. Took early retirement as Bank executive in December 2009. Previously, he was Board Secretary and Director of Legal Services for </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Empresa Nacional para el Desarrollo de la Industria Alimentaria, S.A. (Endiasa); Astilleros Espa&#241;oles, S.A.; and Iberia, L&#237;neas A&#233;reas de Espa&#241;a, S.A.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ana Cristina Peralta Moreno (2)(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1961</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 16, 2018</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent director of Grenergy Renovables, S.A. and of Inmobiliaria Colonial, SOCIMI, S.A. She was an independent member of the Board of Directors of Deutsche Bank SAE from 2014 to 2018 and Banco Etcheverr&#237;a, S.A. from 2013 to 2014, as well as independent director at Grupo Lar Holding Residencial, S.A.U. and Senior Advisor at Oliver Wyman Financial Services. General Director of Risks and member of the Management Committee of Banco Pastor, S.A. between 2008 and 2011. Before that, she held several positions at Bankinter, including Chief Risk Officer and member of the Management Committee between 2004 and 2008.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Juan Pi Llorens (3)(5)(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1950</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">July 27, 2011</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair of the Risk and Compliance Committee. Non-executive chair of the Board of Directors of Ecolumber, S.A. and non-executive director of the following Oes&#237;a Group companies: Oes&#237;a Networks, S.L., Tecnobit, S.L.U. UAV Navigation, S.L. and Inster Tecnolog&#237;a y Comunicaciones, S.A.U. Had a professional career at IBM holding various senior posts at a national and international level including Vice President for Sales at IBM EMEA from 2005 to 2008, Vice President of Technology &amp; Systems Group at IBM EMEA from 2008 to 2010 and Vice President of the Finance Services Sector at GMU (Growth Markets Units) in China from 2009 to 2011. He was executive President of IBM Spain between 1998 and 2001.</span></div></td></tr></table></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:34.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ana Leonor Revenga Shanklin (5)(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1963</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 13, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not applicable</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior Fellow at the Brookings Institution and President of the Board of Trustees at the ISEAK Foundation since 2018 and Associate Professor at the Walsh School of Foreign Service at Georgetown University from 2019 to 2021. Member of the Board of Trustees of the BBVA Microfinance Foundation and of the Advisory Council of ESADE EcPol - Center for Economic Policy and Political Economy since 2019.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">She has held several positions of responsibility at the World Bank, including Senior Director Global of the Poverty and Equity Practice between 2014 and 2016 and Deputy Chief Economist in 2016 and 2017.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Susana Rodr&#237;guez Vidarte (1)(3)(5)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1955</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">May 28, 2002</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 13, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Professor Emeritus of Strategy at the Faculty of Economics and Business Sciences at Universidad de Deusto. She was Dean of the faculty of Economics and Business Administration of the University of Deusto from 1996 to 2009, Director of the Instituto Internacional de Direcci&#243;n de Empresas (INSIDE) from 2003 to 2008 and Director of the Postgraduate Area from 2009 to 2012.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">148</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:34.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Carlos Vicente Salazar Lomel&#237;n (4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1951</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 13, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not applicable</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent director of Sukarne S.A. de C.V. since 2017, of Alsea, S.A.B. de C.V. since 2019, and of CYDSA Corporativo, S.A. de C.V. since 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Director of the following BBVA Group companies: Grupo Financiero BBVA M&#233;xico, S.A. de C.V., of BBVA M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero BBVA M&#233;xico, of BBVA Seguros M&#233;xico, S.A. de C.V. Grupo Financiero BBVA M&#233;xico, of BBVA Pensiones M&#233;xico, S.A. de C.V. Grupo Financiero BBVA M&#233;xico and of BBVA Seguros Salud M&#233;xico, S.A. de C.V. Grupo Financiero BBVA M&#233;xico. Chair of the Consejo Coordinador Empresarial de M&#233;xico (the Mexican Business Coordinating Council) from 2019 to 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">His career path has been linked to the Grupo Fomento Econ&#243;mico Mexicano S.A.B. de C.V. (Femsa) until 2019, having held roles such as General Manager of Cervecer&#237;a Cuauht&#233;moc-Moctezuma, Manager of Coca Cola Femsa and General Manager of Femsa.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jan Paul Marie Francis Verplancke (4)(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1963</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 16, 2018</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">April 20, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisor to the Internal Advisory Board at Abdul Latif Jameel and CEO of Vestraco, S.&#224;.R.L.. Director, Chief Information Officer, Group Head of Technology and Banking Operations, of Standard Chartered Bank, between 2004 and 2015. Before that, he held Chief several positions in multinational companies, such as Vice President of Technology and Information Officer, in the EMEA region of Dell (1999-2004) as well as Vice President and Chief of Architecture and Vice President of Information of the Youth Category at Levi Strauss (1994 and 1999).</span></div></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(*)   Where no date is provided, the position is currently held. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)   Member of the Executive Committee. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)   Member of the Audit Committee. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)   Member of the Appointments and Corporate Governance Committee.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)   Member of the Remuneration Committee.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)   Member of the Risk and Compliance Committee.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)   Member of the Technology and Cybersecurity Committee.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)   Lead Director. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)   Deputy Chair.</span></div><div style="margin-bottom:10pt;margin-top:20pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The statutory mandate of three years of the directors Ra&#250;l Catarino Galamba de Oliveira, Lourdes M&#225;iz Carro, Ana Leonor Revenga Shanklin, Susana Rodr&#237;guez Vidarte and Carlos Vicente Salazar Lomel&#237;n ends on the occasion of the general shareholders&#8217; meeting, planned to be held on March 17, 2023. The Bank&#8217;s Board of Directors has proposed that Ra&#250;l Galamba, Lourdes M&#225;iz, Ana Revenga and Carlos Salazar be re-elected by such general shareholders&#8217; meeting for another statutory period of three years. Susana Rodr&#237;guez&#8217;s mandate would expire on the occasion of such general shareholders&#8217; meeting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank&#8217;s Board of Directors has also submitted to such general shareholders&#8217; meeting the appointment of Sonia Lilia Dul&#225;, for the statutory period of three years, with the status of independent director. Ms. Dul&#225; has an extensive professional career in the banking and financial sector, having held various high-ranking positions at international financial institutions, such as Bank of America Merrill Lynch and Goldman Sachs. She also has experience as a board member of various companies and boasts a remarkable entrepreneurial profile, particularly in the sector of telecommunications. She is currently an independent director of Huntsman Corporation, Acciona and Acciona Energ&#237;a and a life member of the Council on Foreign Relations. She has sat on the boards of Grupo Prisa, Millicom, Hemisphere Media, Council of the Americas, Women&#8217;s World Banking, and The Adrienne Arsht Center for the Performing Arts in Miami. She has also been a member of the Young Presidents Organization (YPO) and the Bank of America Global Diversity and Inclusion Council.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The aforementioned proposed re-elections and appointment are subject to approval of the general shareholders&#8217; meeting of BBVA. In case of the appointment, it is also subject to verification, by the ECB, considering the regulatory suitability requirements for the performance of her duties as director.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">149</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Senior Management </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our senior managers were each appointed for an indefinite term. Their positions as of the date of this Annual Report are as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:65.928%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Name</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Current Position</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Present Principal Occupation and Employment History(*)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Carlos Torres Vila</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Chair</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;The Board of Directors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8221; above. </span></div><div style="margin-bottom:0.1pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition, as set out in the Board of Directors Regulations, he oversees the following BBVA&#8217;s areas: Strategy, Engineering, Talent and Culture, Data, Sustainability in matters related to strategy and transformation, Accounting, Supervisors and Regulation, Legal, Communications, Institutional Relations and General Secretariat.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Onur Gen&#231;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Chief Executive Officer</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8212;The Board of Directors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8221; above. </span></div><div style="margin-bottom:0.1pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition, as set out in the Board of Directors Regulations, he oversees the following BBVA&#8217;s areas: Business Units (Corporate and Investment Banking (C&amp;IB), Client Solutions, Sustainability, Country Monitoring, Spain, Mexico and Turkey), Finance and Global Risk Management.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Domingo Armengol Calvo</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">General Secretary</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">General Secretary and Secretary of the Board of Directors of BBVA since 2009. Deputy Secretary of the Board from 2005 to 2009 and Head of the Institutional Legal Department of BBVA from 2000 to 2009.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mar&#237;a Jes&#250;s Arribas de Paz</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Legal</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Legal since December 2018. Director at BBVA OP3N, S.L. between 2018 and 2019. She held the position of Head of Corporate Legal Services between 2002 and 2018. Before that, she was head of Legal services and board secretary at Finanzia Banco de Cr&#233;dito S.A. (1996-2002).</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pello Xabier Belausteguigoitia Mateache</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Spain Country Manager</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Spain Country Manager since December 2019. Director of BBVA Seguros, S.A. Seguros y Reaseguros. Director at BBVA OP3N, S.L. between 2018 and 2020. Head of Business Development BBVA Spain from 2017 to 2019, Director of BBVA Spain Northern Region from 2015 to 2017, Director of BBVA Spain Eastern Region from 2014 to 2015, Local Director at BBVA Spain Northwestern Region between 2011 and 2014 and Director of Commercial Businesses at BBVA Spain Northwestern Region from 2008 to 2011.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Carlos Casas Moreno</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Talent &amp; Culture</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Talent &amp; Culture since December 2018. Chair of the Comisi&#243;n Liquidadora de Servicios Tecnol&#243;gicos Singulares, S.A. and BBVA Consultor&#237;a, S.A. from 2017 to 2019 and non-executive director of Colegio Universitario de Estudios Financieros, S.L. from 2015 to 2019. He was Head of Compensation, Pensions &amp; Benefits from 2016 to December 2018, and was responsible for Organization Matters and Global Talent Management Policies in the Talent &amp; Culture area between 2015 and 2016. Between 2010 and 2015, he worked on Process Re-engineering within the Innovation and Technology area.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Victoria del Castillo Marchese</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Strategy &amp; M&amp;A</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Strategy &amp; M&amp;A since December 2018. Director at Atom Bank PLC between 2018 and 2019. She has held other relevant positions within the BBVA Group, such as Head of M&amp;A for Europe and Turkey (2014 to December 2018), Director of Strategic Projects of the Finance Area (2009 to 2014) and Head of M&amp;A for the USA (2006 to 2009).</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jos&#233; Luis Elechiguerra Joven </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Engineering</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Engineering since December 2020. He has held other relevant positions within the BBVA Group such as Head of Client Solutions at BBVA USA during 2019-2020, Global Director of Data Governance from 2017 to 2019 and Global Director of Organization &amp; Business Process Engineering from 2015 to 2017, both positions at BBVA. Director of Business Transformation from 2013 to 2015, Director of Strategic &amp; Financial Planning for the Retail Business from 2011 to 2013 and Director of Business Development &amp; Strategic Planning for the Mortgage Business from 2008 to 2011, all of them at BBVA M&#233;xico.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ana Fern&#225;ndez Manrique</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Regulation &amp; Internal Control</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Regulation &amp; Internal Control since July 2019. She has held several relevant positions within the BBVA Group such as Director of Non-Financial Risks during 2018, Director of Strategy and Finance at BBVA Real Estate Area from 2014 to 2017, Director of Strategy and Finance at Global Retail Area from 2011 to 2014, and Strategy &amp; M&amp;A Managing Director between 2008 and 2011.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mar&#237;a Luisa G&#243;mez Bravo</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Corporate &amp; Investment Banking</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Corporate &amp; Investment Banking (C&amp;IB) since December 2018. She has held several relevant positions within the BBVA Group such as Global Head of Investment &amp; Cost Management (between 2017 and December 2018), Head of Investors &amp; Shareholders Relations (between 2014 and 2017), Head of Transformation &amp; Operations at BBVA Spain and Portugal (between 2012 and 2014), and Global Head of Asset Management (between 2008 and 2012), among others.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">150</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:65.928%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Joaqu&#237;n Manuel Gortari D&#237;ez</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Internal Audit</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Internal Audit since December 2018. He has held several relevant positions within the BBVA Group, such as Chief of Staff to the Chairman (from 2010 to 2018), CFO in the Area of Technology and Operations (from 2008 to 2010), CFO of BBVA in the USA (from 2004 to 2008) and Deputy CFO of BBVA Group (from 2003 to 2004).</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ricardo Mart&#237;n Manj&#243;n</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Data</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Data since April 2019. Director of BBVA Data &amp; Analytics (currently, BBVA AI Factory, S.L.) and Director of Colegio Universitario de Estudios Financieros, S.L. Previously he was Global Head of Data Strategy &amp; Data Science Innovation from 2017 to 2019, Head of Digital Transformation at BBVA Spain between 2013 and 2016, Marketing Director at BBVA Spain from 2011 to 2013. In addition, he held the position of Global Head of Digital Banking at Nordea between 2016 and 2017.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Eduardo Osuna Osuna</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mexico Country Manager</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mexico Country Manager since May 2015 and General Manager and Deputy Chair of BBVA M&#233;xico. Previously he was Head of Government and Corporate Banking of BBVA M&#233;xico from 2013 to 2015 and Head of Commercial Banking of BBVA M&#233;xico from 2010 to 2012, as well as Head of Hipotecaria Nacional between 2005 and 2010.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">David Puente Vicente</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Client Solutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Client Solutions since April 2019. Director of BBVA Data &amp; Analytics (currently, BBVA AI Factory, S.L.) from 2017 until 2019. He was Head of Data from 2017 to 2019, Head of Business Development &amp; Digital Transformation for Spain and Portugal from 2012 to 2016. Previously, he held other posts at BBVA such as Head of CEO&#8217;s Office from 2009 to 2012, Head of Planning and Development of Retail Banking from 2006 to 2009 and Head of New Business Models from 2004 to 2006.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Francisco Javier Rodr&#237;guez Soler</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Sustainability</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Sustainability since July 2021. Previously he was BBVA&#8217;s Country Manager in the United States from 2018 to 2021, Global Head of Strategy &amp; M&amp;A from 2015 to 2018 and Head of M&amp;A and Corporate Development of BBVA from 2010 to 2015.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jaime S&#225;enz de Tejada Pulido</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Head of Global Risk Management</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Head of Global Risk Management since July 2021 and Director of Garanti BBVA. Previously he was Global Head of Finance from May 2015 to 2021; Head of Strategy and Finance from 2014 to 2015 and Head of Spain and Portugal from 2012 to 2014; Business Development Manager of Spain and Portugal at BBVA from 2011 to 2012; and Regional Center Manager from 2008 to 2011.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jorge S&#225;enz-Azc&#250;naga Carranza</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Head of Country Monitoring</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Head of Country Monitoring since July 2016. Director of BBVA M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero BBVA M&#233;xico, of Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and Vice President of Garanti BBVA. He joined BBVA in 1993 and he has held various senior posts such as Country Networks - Head of Business Monitoring Spain, USA and Turkey from 2015 to 2016, Head of Strategy and Planning, Spain &amp; Portugal from 2008 to 2013 and Head of Strategy, Whole Banking and Asset Management from 2006 to 2008.</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Rafael Salinas Mart&#237;nez de Lecea</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Finance (chief financial officer)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Finance since July 2021 and Director of Garanti BBVA. Prior to this post, he was Head of Global Risk Management from May 2015 to 2021; Head of Risk and Portfolio Management in C&amp;IB from 2006 to 2015; and CFO of Banco de Cr&#233;dito Local de Espa&#241;a from 2003 to 2005.</span></div></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(*)   Where no date is provided, positions are currently held.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_268"></div><div style="margin-bottom:10pt;margin-top:20pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.   Compensation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The provisions of BBVA&#8217;s Bylaws that relate to compensation of directors are in accordance with the relevant provisions of Spanish law. Furthermore, BBVA has a remuneration policy for BBVA directors (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Directors&#8217; Remuneration Policy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which is aligned with the specific regulations applicable to credit institutions and best market practices.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Directors&#8217; Remuneration Policy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Directors&#8217; Remuneration Policy for 2022 was approved by the general shareholders&#8217; meeting held on April 20, 2021, by a majority of 93.59%. This policy is available on our website (www.bbva.com).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA has defined its Directors&#8217; Remuneration Policy on the basis of the general principles of the BBVA Group&#8217;s General Remuneration Policy, taking into consideration compliance with legal requirements applicable to credit institutions and those applicable in the different sectors in which it operates, as well as alignment with best market practices, while including items devised to reduce exposure to excessive risks and to adjust remuneration to the targets, values and long-term interests of the Group. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">151</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On the basis of the principles of the BBVA Group&#8217;s General Remuneration Policy, and pursuant to the statutory requirements established by applicable regulations, BBVA has devised a specific incentives system for staff whose professional activities have a significant impact on the risk profile (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Identified Staff</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which includes BBVA executive directors and BBVA Senior Management, that is aligned with the regulations and recommendations applicable to the remuneration schemes for this staff. The result is a remuneration scheme for the Identified Staff based, inter alia, on the following basic characteristics, with the particularities set forth below for BBVA executive directors and BBVA Senior Management: </span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Adequate balance between the fixed and variable components of total remuneration, in line with applicable regulations, designed to provide flexibility with regard to payment and amounts of the variable components, allowing for such components to be reduced, in part or in full, where appropriate. The proportion between the two components is established in accordance with the type of functions carried out by each beneficiary.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The variable remuneration shall be based on effective risk management and linked to the level of achievement of financial and non-financial targets previously established and defined at the Group, area and individual levels, that take into account present and future risks assumed and the Group&#8217;s long-term interests. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The variable remuneration for each year will not accrue, or will accrue in a reduced amount, should a certain level of profit and capital ratio not be achieved, thus being subject to ex ante adjustments. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The annual variable remuneration shall be calculated on the basis of: (i) annual performance indicators (financial and non-financial); (ii) scales of achievement, as per the weightings allocated to each indicator; and (iii) a target annual variable remuneration, representing the amount of annual variable remuneration if 100% of the pre-established targets are met. The resulting amount shall constitute the annual variable remuneration of each beneficiary. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The annual variable remuneration shall be subject to specific rules regarding its award, vesting and payment, including the following:</span></div><div style="padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Once the annual variable remuneration has been awarded, 60% of the annual variable remuneration for members of the Identified Staff and 40% of the annual variable remuneration for executive directors, Senior Management and those members of the Identified Staff with particularly high variable remuneration shall be vested and paid, if conditions are met, as a general rule, in the first four months of the financial year following that to which it corresponds (the upfront portion).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">40% of the annual variable remuneration for members of the Identified Staff and 60% of the annual variable remuneration for executive directors, Senior Management and those members of the Identified Staff with particularly high variable remuneration amounts shall be deferred over a period of four years, in the case of members of the Identified Staff, and of five years, in the case of executive directors and Senior Management (the deferred portion).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Both the upfront portion and the deferred portion of the annual variable remuneration for members of the Identified Staff shall be paid 50% in cash and 50% in BBVA shares or in instruments linked to BBVA shares. For executive directors and members of Senior Management, the upfront portion shall be paid 50% in cash and 50% in BBVA shares and the deferred portion shall be paid 60% in BBVA shares and 40% in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Shares or instruments vested as annual variable remuneration shall be withheld for a one-year lock-up period after delivery, except for the transfer of those shares or instruments required to honor the payment of taxes. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Additionally, in the case of executive directors, following the award of BBVA shares derived from the settlement of the variable remuneration, they shall not be able to transfer their ownership until a period of at least three years has elapsed, except if the relevant executive director has, at the time of the transfer, a net economic exposure to the variation in the price of BBVA shares for a market value equivalent to at least twice his annual fixed remuneration through the ownership of shares, options or other financial instruments. The foregoing shall not apply to the shares that the executive director needs to sell to meet the costs related to their acquisition or, upon favorable assessment of the Remuneration Committee, to address an extraordinary situation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">The deferred portion of the annual variable remuneration for members of the Identified Staff, shall be paid, if conditions are met, on a pro rata basis, at the end of each year for each of the four or five (as the case may be) years of deferral, in an amount equivalent to 25% to such deferred portion for members of the Identified Staff and to 20% for executive directors and Senior Management.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">152</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">The deferred portion of the annual variable remuneration may be reduced but never increased, based on the result of multi-year performance indicators aligned with the Group&#8217;s core risk management and control metrics, related to solvency, capital, liquidity, profitability, or value creation, measured over a period of three years. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Once the measurement period of multi-year performance indicators has ended, their result shall determine the extent to which downward ex post adjustments, if appropriate, should be made on the outstanding amount of the deferred portion of the annual variable remuneration. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Resulting cash portions of the deferred annual variable remuneration to be vested, shall be updated according to the criteria established by the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">No personal hedging strategies or insurance may be employed by Identified Staff members in connection with their remuneration and responsibility that may undermine their incentives to align with sound risk management. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">The variable component of remuneration for a year shall be limited to a maximum amount of 100% of the fixed component of total remuneration, unless the general shareholders&#8217; meeting resolves to increase this percentage up to a maximum of 200%. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">The entire annual variable remuneration shall be subject to &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements during the whole deferral and lock-up period, as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:76.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Up to 100% of the annual variable remuneration of members of the Identified Staff, including executive directors and Senior Management, corresponding to each year shall be subject to &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements, both linked to a downturn in financial performance of the Bank as a whole, or of a specific unit or area, or of exposures generated by such member of the Identified Staff, when such downturn in financial performance arises from any of the following circumstances: </span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:99pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">misconduct, fraud or serious infringement of the Code of Conduct and other applicable internal rules by such member of the Identified Staff; </span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:99pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">regulatory sanctions or judicial convictions due to events that could be attributed to such member of the Identified Staff ;</span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:99pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(c)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">significant failure of risk management committed by the Bank or by a business or risk control unit, to which the willful misconduct or gross negligence of such member of the Identified Staff contributed; or</span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:99pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">restatement of the Bank&#8217;s financial statements, except where such restatement is due to a change in applicable accounting legislation. </span></div><div style="padding-left:76.5pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For these purposes, the Bank will compare the performance assessment carried out for the relevant member of the Identified Staff with the ex post behavior of some of the criteria that contributed to the achievement of any targets. Both &#8220;malus&#8221; and &#8220;clawback&#8221; will apply to the annual variable remuneration of the year in which the event giving rise to application of the &#8220;malus&#8221; and/or &#8220;clawback&#8221; arrangements occurred, and they may be applied during the entire deferral and lock-up period applicable to the shares or instruments corresponding to said annual variable remuneration.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:76.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Notwithstanding the foregoing, in the event that these scenarios give rise to a dismissal or termination of contract of the member of the Identified Staff due to a serious and guilty breach of duties, &#8220;malus&#8221; arrangements may apply to the entire deferred annual variable remuneration from previous years pending payment at the date of the dismissal or termination decision, in light of the extent of the damage caused.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:76.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Moreover, &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements shall also be applicable in the event the above circumstances, regardless of their financial impact, create a significant reputational damage to the Bank. These arrangements shall be applicable to the annual variable remuneration, including to the deferred amounts of previous financial years, the payment of which corresponds to or has taken place in the financial year in which the damage is revealed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In any case, the annual variable remuneration will only vest or be paid if it is sustainable according to the situation of the BBVA Group as a whole, and justified based on the results of the Bank, the relevant business unit and the Identified Staff member concerned.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">153</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As regards non-executive directors, their remuneration system, in accordance with the Bank&#8217;s Bylaws and Directors&#8217; Remuneration Policy, is based on the criteria of responsibility, dedication and incompatibilities inherent to their role, and consists entirely of fixed remuneration. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Remuneration of non-executive directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The remuneration of the non-executive members of the Board of Directors during 2022 and 2021 is indicated below, individually and itemized for each non-executive director. </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:12.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.991%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.991%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.823%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.129%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.823%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.303%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Board of Directors</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-5pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Executive Committee</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-1.9pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Audit Committee</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-6.1pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Risk and Compliance Committee</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Remuneration Committee</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Appointments and Corporate Governance Committee</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Technology and Cybersecurity Committee</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Other Functions (1)</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Total</span></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">(thousands of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Jos&#233; Miguel Andr&#233;s Torrecillas </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">167</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">66</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">115</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">50</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">527</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">527</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Jaime Caruana Lacorte </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">167</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">165</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">567</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">567</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Ra&#250;l Galamba de Oliveira </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">53</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">332</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">278</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Bel&#233;n Garijo L&#243;pez</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">66</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">349</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">349</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Connie Hedegaard (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Sunir Kumar Kapoor (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">172</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Lourdes M&#225;iz Carro</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">66</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">238</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">238</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Jos&#233; Maldonado Ramos</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">167</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">342</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">342</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Ana Peralta Moreno</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">66</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">238</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">238</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Juan Pi Llorens</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">214</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">458</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">512</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Ana Revenga Shanklin </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">264</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">236</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Susana Rodr&#237;guez Vidarte </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">167</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">107</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">449</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">449</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Carlos Salazar Lomel&#237;n </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">172</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">172</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Jan Verplancke</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">129</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">214</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">214</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Total (4)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">1,684</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">667</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">431</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">642</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">278</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">301</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">168</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">130</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">4,300</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">4,293</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Amounts received in 2022 and 2021 by Jos&#233; Miguel Andr&#233;s Torrecillas, as Deputy Chair of the Board, Ra&#250;l Galamba de Oliveira, as Lead Director (from its appointment on April 28, 2022), and Juan Pi Llorens, as Lead Director (until April 28, 2022).  </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Appointed by the general shareholders&#8217; meeting held on March 18, 2022. Remuneration received based on date of acceptance of office. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Left office on March 18, 2022. With respect to 2022, remuneration for the term of office in 2022.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes amounts corresponding to membership of the Board and its various committees during the 2022 and 2021 financial year.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition, in financial years 2022 and 2021, Carlos Salazar Lomel&#237;n received &#8364;90 thousand and &#8364;101 thousand, respectively, as per diems for his membership of the management body of BBVA M&#233;xico, S.A. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and the BBVA M&#233;xico strategy forum.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Also, during the 2022 and 2021 financial years, &#8364;110 thousand and &#8364;102 thousand were paid out, respectively, in healthcare and casualty insurance premiums for non-executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fixed remuneration system in shares with deferred delivery for non-executive directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA has a fixed remuneration system in shares with deferred delivery for its non-executive directors, which was approved by the general shareholders&#8217; meeting held on March 18, 2006 and extended by resolutions of the general shareholders&#8217; meetings held on March 11, 2011 and on March 11, 2016 for a further five-year period in each case, and by the general shareholders&#8217; meeting held on April 20, 2021 for a further three-year period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This system is based on the annual allocation to non-executive directors of a number of theoretical shares of BBVA equivalent to 20% of the total annual fixed allowance in cash received by each director in the previous year, calculated according to the average closing prices of the BBVA share during the sixty trading sessions prior to the annual general shareholders&#8217; meeting approving the corresponding financial statements for each financial year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These shares will be delivered to each beneficiary, where applicable, after they leave directorship for any reason other than serious breach of their duties.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">154</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The theoretical shares allocated to non-executive directors who were beneficiaries of the fixed remuneration system in shares with deferred delivery in the 2022 and 2021 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2021 and 2020 financial years, respectively, were as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:32.181%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.773%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.390%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Theoretical shares allocated </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Theoretical shares accumulated as at December 31</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Theoretical shares allocated </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Theoretical shares accumulated as at December 31</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Jos&#233; Miguel Andr&#233;s Torrecillas</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">19,253</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">118,025</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22,860</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">98,772</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Jaime Caruana Lacorte</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,733</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">77,705</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">25,585</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">56,972</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Ra&#250;l Galamba de Oliveira</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,177</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">19,677</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">9,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">9,500</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Bel&#233;n Garijo L&#243;pez</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12,741</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">90,589</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">15,722</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">77,848</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Connie Hedegaard (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Sunir Kumar Kapoor (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,270</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,737</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">30,652</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Lourdes M&#225;iz Carro</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">8,696</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">64,356</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,731</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">55,660</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Jos&#233; Maldonado Ramos</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12,493</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">136,477</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">15,416</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">123,984</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Ana Peralta Moreno</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">8,696</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">35,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,731</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">26,396</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Juan Pi Llorens</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">18,703</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">134,599</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">23,079</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">115,896</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Ana Revenga Shanklin</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">8,611</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">16,179</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,568</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Susana Rodr&#237;guez Vidarte</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">16,400</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">177,775</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,237</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">161,375</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Carlos Salazar Lomel&#237;n</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,270</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11,912</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,642</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,642</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Jan Verplancke</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,835</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">29,251</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">9,024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">21,416</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total (3)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">156,878</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">911,637</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">183,832</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">791,681</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Appointed by the general shareholders&#8217; meeting held on March 18, 2022; accordingly, the allocation of theoretical shares is not due until 2023.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Left office on March 18, 2022. Based on the terms of the remuneration policy, upon leaving office, he received 36,922 BBVA shares (which is equivalent to the aggregate theoretical shares accumulated up to that date).</span></div><div style="margin-bottom:10pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The number of theoretical shares allocated in 2022 and 2021 to each non-executive director is equal to 20% of the total annual fixed allowance in cash received by each such director in 2021 and 2020 based on the average closing price of the BBVA share during the 60 trading sessions prior to the general shareholders&#8217; meetings of March 18, 2022 and April 20, 2021, which were &#8364;5.47 and &#8364;4.44 per share, respectively. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Remuneration of executive directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the 2022 and 2021 financial years, the executive directors received the amount of the annual fixed remuneration corresponding to such financial years, established for each director in the Directors&#8217; Remuneration Policy approved by the general shareholders&#8217; meeting held on April 20, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, in the 2022 and 2021 financial years, the executive directors accrued the annual variable remuneration corresponding to each such year, which was awarded once the financial year had ended. The upfront portion (40%) of this remuneration vested and became payable following such award in 2023 and 2022, respectively, while the rest of it (60%) was deferred for a period of five years. All of it, in accordance with the deferral, vesting and payment rules and other conditions applicable to annual variable remuneration as set out in the Directors&#8217; Remuneration Policy approved by the general shareholders&#8217; meeting held on April 20, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, in accordance with the applicable remuneration policies for previous financial years, once the 2022 and 2021 financial years had ended, the corresponding portions of deferred annual variable remuneration from previous years vested and became payable to executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The remuneration of executive directors corresponding to the 2022 and 2021 financial years is indicated below, individually and itemized: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:69.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.602%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Annual Fixed Remuneration (thousands of euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,924&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,924&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chief Executive Officer</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,179&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,179&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">5,103</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">5,103</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">155</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:35.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Annual Variable Remuneration</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022 (1)</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021 (2) </span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In cash <br/>(thousands of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In shares</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In cash <br/>(thousands of euros)</span></td><td colspan="3" style="border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In shares </span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">926&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">158,169&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">849&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">159,235&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chief Executive Officer</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">712&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">121,646&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">645&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">120,977&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1,639</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">279,815</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1,494</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">280,212</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Remuneration corresponding to the upfront portion (40%) of the annual variable remuneration for the 2022 financial year, which will be paid during the first quarter of the 2023 financial year, in equal parts in cash and BBVA shares. The remaining 60% will be deferred (40% in cash and 60% in shares) for a period of five years (deferred portion) and paid, if conditions are met, proportionally at the end of each of the five years of deferral, in an amount equal to 20% of the deferred portion each year. The deferred portion may be reduced, but never increased, depending on the results of the multi-year performance indicators determined by the Board of Directors at the beginning of the 2022 financial year. After the end of the financial year corresponding to the third year of deferral, the results of the multi-year performance indicators shall determine the ex post adjustments, if any, to be made to the outstanding amount of the deferred portion. All of this is subject to the vesting and payment rules provided for in the BBVA Directors' Remuneration Policy.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Moreover, the remaining rules set forth in the BBVA Directors&#8217; Remuneration Policy regarding the annual variable remuneration of executive directors will be applicable to 2022 annual variable remuneration, including: (i) a withholding period of one year after delivery of the BBVA shares received; (ii) the prohibition of hedging strategies or insurance that may undermine the effects of alignment with prudent risk management; (iii) update of the deferred portion in cash in accordance with the Consumer Price Index (CPI); (iv) &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements during the whole deferral and withholding period; and (v) the limitation of variable remuneration up to a maximum amount of 200% of the fixed component of the total remuneration, as resolved by the general shareholders&#8217; meetings of March 18, 2022.</span></div><div style="margin-bottom:10pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Remuneration corresponding to the upfront portion (40%) of the annual variable remuneration for the 2021 financial year paid in 2022. </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:21.242%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.616%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.773%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Deferred Annual Variable Remuneration Corresponding to Previous Financial Years </span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022 (1) </span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021 (2)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Deferred Annual Variable Remuneration</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">In cash (thousands of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">In shares</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">In cash (thousands of euros)</span></td><td colspan="3" style="border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">In shares </span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="5" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">215</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">57,325&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2019</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">513</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">136,587&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2018</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">128</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">35,795&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">364&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">107,386&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2017</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">154</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">27,898&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">146&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">27,898&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Subtotal</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1,011</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">257,605</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">510</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">135,284</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="5" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chief Executive Officer</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">164</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">43,552&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2019</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">460</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">122,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2018</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">332&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">61,282&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2017</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Subtotal</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">624</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">166,124</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">332</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">61,282</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1,635</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">423,729</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">842</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">196,566</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Deferred remuneration from previous years to be paid after 2022 year-end. Payment to the Chair and/or Chief Executive Officer will take place in 2023 in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year: </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2021 deferred annual variable remuneration: corresponds to the first payment (20% of the deferred portion) to the Chair and the Chief Executive Officer, including the update of the portion in cash. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2019 deferred annual variable remuneration: corresponds to the first payment (60% of the deferred portion) to the executive directors, including the update of the portion in cash, and after having verified that no reduction was applicable based on the result of the multi-year performance indicators determined in 2019 by the Board of Directors.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2018 deferred annual variable remuneration: corresponds to the second payment (20% of the deferred portion) to the Chair, including the update of the portion in cash. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2017 deferred annual variable remuneration: corresponds to the third and final payment (20% of the deferred portion) to the Chair, including the update of the portion in cash.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Deferred remuneration from previous financial years which payment to the Chair and the Chief Executive Officer took place in 2022 in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year:</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2018 deferred annual variable remuneration: corresponds to the first payment (60% of the deferred portion) to the Chair, and full payment to the Chief Executive Officer, including in both cases the update of the portion in cash. This remuneration is associated with their previous positions as Chief Executive Officer and President &amp; CEO of BBVA USA, respectively.</span></div><div style="margin-bottom:10pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2017 deferred annual variable remuneration: corresponds to the second payment (20% of the deferred portion) to the Chair, including the update of the portion in cash. This remuneration is associated with his former position as Chief Executive Officer. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, in accordance with the current Directors&#8217; Remuneration Policy, during the 2022 and 2021 financial years, the Chief Executive Officer received a corresponding amount of fixed remuneration in cash in lieu of pension (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Pension commitments with executive directors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and for his mobility allowance. The Bank paid the Chief Executive Officer &#8364;654 thousand and &#8364;600 thousand, respectively, each year.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">156</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the executive directors received remuneration in kind during the 2022 and 2021 financial years, including insurance premiums and others, &#8364;283 thousand and &#8364;328 thousand in the case of the Chair and &#8364;155 thousand and &#8364;158 thousand in the case of the Chief Executive Officer, respectively. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Pension commitments with executive directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank does not have pension commitments with non-executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the Chair, the Directors&#8217; Remuneration Policy establishes a pension framework whereby he is eligible, provided that he does not leave his position as a result of a serious breach of duties, to receive a retirement pension, paid as a lump sum or in installments, when he reaches the legally established retirement age. The amount of this pension will be determined by the annual contributions made by the Bank, together with their corresponding accumulated yields as of that date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The annual contribution to cover the retirement contingency for the Chair&#8217;s defined-contribution system, as established in the Directors&#8217; Remuneration Policy approved by the general shareholders&#8217; meeting in 2021, amounts to &#8364;439 thousand. The Board of Directors may update this amount during the term of the Directors&#8217; Remuneration Policy, in the same way and under the same terms as it may update the annual fixed remuneration.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">15% of the aforementioned agreed annual contribution will be based on variable components and considered &#8220;discretionary pension benefits&#8221;, and will, therefore, be subject to the conditions regarding delivery in shares, retention and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in accordance with the Directors&#8217; Remuneration Policy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event the Chair&#8217;s contract terminates before reaching retirement age for reasons other than serious breach of duties, the retirement pension due to the Chair upon reaching the legally established retirement age will be calculated based on the funds accumulated through the contributions made by the Bank under the terms set out, up to that date, plus the corresponding accumulated yield, with no additional contributions to be made by the Bank as of the time of termination.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With respect to the commitments in favor of the Chair to cover the contingencies for death and disability, the Bank will undertake the payment of the corresponding annual insurance premiums in order to top up the coverage of these contingencies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In line with the above, during the 2022 financial year, the following amounts were recorded to meet the pension commitments for the Chair: &#8364;451 thousand with regard to the retirement contingency, which corresponds to the annual contribution agreed to cover the retirement contingency, which is &#8364;439 thousand, increased in an amount of &#8364;12 thousand corresponding to the upward adjustment of the &#8220;discretionary pension benefits&#8221; for the 2021 financial year, which were declared at the close of said financial year and had to be registered in the accumulated fund in 2022. Likewise, an amount of &#8364;473 thousand has been recorded for the payment of premiums for death and disability contingencies. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, the total accumulated amount of the fund to meet the retirement commitments for the Chair amounted to &#8364;22,771 thousand.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the agreed annual contribution to the retirement contingency corresponding to the 2022 financial year, 15% (&#8364;66 thousand) was registered in that financial year as &#8220;discretionary pension benefits&#8221;. Following the end of the financial year, this amount was adjusted by applying the same criteria used to determine the Chair&#8217;s annual variable remuneration for the 2022 financial year and was determined to amount to &#8364;85 thousand, which represents an upward adjustment of &#8364;19 thousand. This upward adjustment to the &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2023 financial year and will be subject to the conditions established for them in the Directors&#8217; Remuneration Policy. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the Chief Executive Officer, in accordance with the provisions of the current Directors&#8217; Remuneration Policy and his contract, the Bank is not required to make any contributions to a retirement pension, although he is entitled to an annual cash sum instead of a retirement pension equal to 30% of his annual fixed remuneration. However, the Bank has pension commitments to cover the death and disability contingencies, for which purpose the corresponding annual insurance premiums are paid. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the above, in the 2022 financial year the Bank paid the Chief Executive Officer the amount of fixed remuneration as cash in lieu of pension set out under &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Remuneration of executive directors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Furthermore, &#8364;285 thousand was recorded for the payment of the annual insurance premiums to cover the death and disability contingencies. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">157</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the above, amounts recorded to meet the pension commitments for the executive directors during 2022 and 2021 are indicated below: </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:32.336%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Executive Directors (thousands of euros)</span></td><td colspan="12" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Contributions (1)</span></td><td colspan="6" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Accumulated funds </span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Retirement</span></td><td colspan="6" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Death and disability </span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">451</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">340</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">473</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">574</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22,771</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">24,546</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chief Executive Officer</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">285</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">295</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">451</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">340</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">758</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">869</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">22,771</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">24,546</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Contributions recognized to meet pension commitments for the executive directors in the financial years 2022 and 2021. In the case of the Chair, these correspond to the sum of the annual retirement pension contribution and the adjustment made to the &#8220;discretionary pension benefits&#8221; for the financial years 2021 and 2020, and the death and disability premiums. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2022 and 2021 to cover the contingencies of death and disability, given that, in his case, the Bank has not undertaken any commitments to cover the retirement contingency.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Remuneration of Senior Management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the 2022 and 2021 financial years, the members of Senior Management, excluding executive directors, received the amount of the annual fixed remuneration corresponding to such financial year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, in the 2022 and 2021 financial years, the members of Senior Management have accrued the annual variable remuneration corresponding to each such year, which was awarded once the financial year had ended. The upfront portion (40%) of this remuneration vested and became payable following such award in 2023 and 2022, respectively, while the rest of it (60%) was deferred for a period of five years. All of it, in accordance with the deferral, vesting and payment rules and other conditions applicable to annual variable remuneration as set out in the BBVA Group&#8217;s General Remuneration Policy. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, in accordance with the applicable remuneration policies for previous financial years, once the 2022 and 2021 financial years had ended, the corresponding portions of deferred annual variable remuneration from previous years vested and became payable to members of Senior Management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The aggregate remuneration corresponding to the 2022 and 2021 financial years to members of the Senior Management, who held that position as of December 31, 2022 and December 31, 2021 (16 members in both cases), excluding executive directors, is indicated and itemized below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:69.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.602%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Annual Fixed Remuneration (thousands of euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Total Senior Management</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">18,149&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">16,435&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:35.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Annual Variable Remuneration</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022 (1)</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021 (2) </span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In cash <br/>(thousands of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In shares</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In cash <br/>(thousands of euros)</span></td><td colspan="3" style="border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In shares </span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Total Senior Management</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,143&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">365,746&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,849&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">346,106&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Remuneration corresponding to the upfront portion (40%) of the annual variable remuneration for the 2022 financial year, which will be paid during the first quarter of the 2023 financial year, in equal parts in cash and BBVA shares. The remaining 60% will be deferred (40% in cash and 60% in shares) for a period of five years (deferred portion) and paid, if conditions are met, proportionally at the end of each of the five years of deferral, in an amount equal to 20% of the deferred portion each year. The deferred portion may be reduced, but never increased, depending on the results of the multi-year performance indicators determined by the Board of Directors at the beginning of the 2022 financial year. After the end of the financial year corresponding to the third year of deferral, the results of the multi-year performance indicators shall determine the ex post adjustments, if any, to be made to the outstanding amount of the deferred portion. All of this is subject to the vesting and payment rules provided for in the BBVA Group&#8217;s General Remuneration Policy. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Moreover, the remaining rules applicable to the annual variable remuneration of the members of Senior Management established in the BBVA Group&#8217;s General Remuneration Policy shall apply to the annual variable remuneration for the 2022 financial year, which include: (i) a withholding period of one year after delivery of the BBVA shares received; (ii) the prohibition of hedging strategies or insurance that may undermine the effects of alignment with prudent risk management; (iii) update for the Deferred Portion in cash in accordance with the CPI; (iv) &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements during the whole deferral and withholding period; and (v) the limitation of variable remuneration up to a maximum amount of 200% of the fixed component of the total remuneration, as resolved by the General Meeting held on 2022.</span></div><div style="margin-bottom:10pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Remuneration corresponding to the upfront portion (40%) of the annual variable remuneration for the 2021 financial year paid in the first half of 2022. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">158</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:21.242%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.616%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.773%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Deferred Annual Variable Remuneration Corresponding to Previous Financial Years </span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022 (1) </span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021 (2)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Deferred Annual Variable Remuneration</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In cash (thousands of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In shares</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In cash (thousands of euros)</span></td><td colspan="3" style="border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">In shares </span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="5" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Senior Management Total</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">473</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">124,602&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2019</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,355&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">320,172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">_</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2018</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">152</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">41,442&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">177,104&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2017</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">168</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">29,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">158&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">29,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2,149</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">515,483</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">855</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-bottom:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">206,371</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Deferred remuneration from previous years to be paid after 2022 year-end. Payment to members of Senior Management who are beneficiaries will take place in 2023 in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year:</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2021 deferred annual variable remuneration: corresponds to the first payment (20% of the deferred portion), including the update of the portion in cash. Thereafter, 80% of the 2021 deferred annual variable remuneration will be deferred, and if the conditions are met, it will be paid in 2024, 2025, 2026 and 2027.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2019 deferred annual variable remuneration: corresponds to the first payment (60% of the deferred portion) or payment in full (depending on the payment schedule set out in the policies in force in 2019) including the update of the portion in cash, and after having verified that no reduction was applicable based on the result of the multi-year performance indicators determined in 2019 by the Board of Directors. In addition, the first payment of the deferred portion of a retention plan is payable to two members of Senior Management. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2018 deferred annual variable remuneration: corresponds to the second payment (20% of the deferred portion) including the update of the portion in cash.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2017 deferred annual variable remuneration: corresponds to the third and final payment (20% of the deferred portion), including the update of the portion in cash.  </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Deferred remuneration from previous financial years which payment to Senior Management who were beneficiaries took place in 2022, in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year:</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2018 deferred annual variable remuneration: in 2022, the members of Senior Management who were beneficiaries have been paid the amounts that corresponded in each case in accordance with the payment schedule established in the remuneration policies in force in 2018, including the update of its portion in cash.</span></div><div style="margin-bottom:10pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.2pt">2017 deferred annual variable remuneration: in 2022, the second payment (20% of the deferred portion) has been paid to the members of the Senior Management who were beneficiaries, including the update of its portion in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, all of the members of Senior Management, excluding executive directors, received remuneration in kind during the 2022 and 2021 financial years, including insurance premiums and others, amounting to a total of &#8364;1,093 thousand and &#8364;1,409 thousand, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Pension commitments with Senior Management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the 2022 financial year, to meet the pension commitments for members of the Senior Management (16 members as of December 31, 2022, excluding executive directors), the following aggregate amounts were recorded: an amount of &#8364;3,694 thousand for contribution to the retirement contingency (which corresponds to the annual contribution agreed to cover the retirement contingency, increased by an amount of &#8364;111 thousand corresponding to the upward adjustment of &#8220;discretionary pension benefits&#8221; for 2021 financial year which were declared at the end of that financial year and had to be registered in the accumulated fund in 2022), and an amount of &#8364;1,465 thousand for premiums to cover the death and disability contingencies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2022, the total accumulated amount of the fund to meet the retirement commitments for members of Senior Management amounted to &#8364;29,435 thousand. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As in the case of executive directors, 15% of the agreed annual contributions for members of the Senior Management to cover retirement contingencies will be based on variable components and considered &#8220;discretionary pension benefits&#8221;, and therefore subject to the conditions regarding delivery in shares, retention and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in accordance with the remuneration policy applicable to members of the Senior Management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Therefore, with regard to the agreed annual contribution for the retirement contingency registered in the 2022 financial year, an amount of &#8364;536 thousand was registered in 2022 as &#8220;discretionary pension benefits&#8221;, and following the end of the  financial year, this amount was adjusted applying the same criteria used to determine the 2022 annual variable remuneration for members of Senior Management. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">159</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accordingly, the &#8220;discretionary pension benefits&#8221; for members of the Senior Management for the 2022 financial year were determined in an amount of &#8364;689 thousand, representing an upward adjustment of &#8364;153 thousand. This upward adjustment to the &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2023 financial year, and will be subject to the conditions established for them in the remuneration policy applicable to members of Senior Management, in accordance with the regulations applicable to the Bank on this matter.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the above, amounts recorded to meet the pension commitments for the members of Senior Management during 2022 and 2021 are indicated below:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:33.876%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.535%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Senior Management (thousands of euros)</span></td><td colspan="12" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Contributions (1)</span></td><td colspan="6" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Accumulated funds </span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Retirement</span></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Death and disability </span></td><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Senior Management Total</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,694&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,056&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,465&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,333&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">29,435&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">27,472&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Contributions recorded to meet pension commitments for the whole of Senior Management in 2022 and 2021, which correspond to the sum of the annual retirement pension contributions and the adjustments made to the &#8220;discretionary pension benefits&#8221; for 2021 and 2020, respectively, and the insurance premiums paid by the Bank for death and disability contingencies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Extinction of contractual relationship</span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the Directors&#8217; Remuneration Policy, the Bank has no commitments to pay severance benefits to any executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to Senior Management, excluding executive directors, the Bank did not make any payments arising from the termination of contractual relationships in 2022 and 2021.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_271"></div><div style="margin-bottom:10pt;margin-top:20pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.    Board Practices</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Committees </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our corporate governance system is based on the distribution of functions between the Board and the following specialized Board committees: the Executive Committee, Audit Committee; the Appointments and Corporate Governance Committee; the Remuneration Committee; the Risk and Compliance Committee; and the Technology and Cybersecurity Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additional information on our Board committees, including their current composition, is provided in the following sections.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Executive Committee </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Board of Directors is assisted in fulfilling its responsibilities by the Executive Committee (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Comisi&#243;n Delegada Permanente</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) of the Board of Directors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, BBVA&#8217;s Executive Committee is comprised of two executive directors, two external directors and two independent directors, who are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Position (type of directorship)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Name</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair (Executive)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Carlos Torres Vila</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Executive)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Onur Gen&#231;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jos&#233; Miguel Andr&#233;s Torrecillas</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jaime F&#233;lix Caruana Lacorte</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (External)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jos&#233; Maldonado Ramos</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (External)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Susana Rodr&#237;guez Vidarte</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">160</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to the Regulations of the Executive Committee, the Executive Committee will deal with matters delegated to it by the Board of Directors and, in particular, will have the following functions, among others:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Support functions to the Board of Directors in its decision-making:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">On strategy: (i) establishment of the bases and previous analysis of the proposals submitted to the Board of Directors in relation to the Bank&#8217;s Strategic Plan or other strategic decisions, including the Risk Appetite Framework; (ii) prior analysis of the strategic and financial aspects of the proposals submitted to the Board of Directors in relation to corporate transactions corresponding to its decision-making powers, in respect of which it will submit its report to the Board, accompanied, where necessary, by reports from the other Board committees on those matters within their respective remits; (iii) adoption of decisions and execution of mandates that may be expressly delegated by the Board of Directors in these fields, once the decisions reserved to it are adopted by the Board. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">On budgets: (i) prior analysis of the proposals submitted to the Board of Directors in relation to the Bank&#8217;s budgets; (ii) adoption of the corresponding decisions for the implementation of the budget approved by the Board of Directors; (iii) analysis of deviations from the approved budget and, where appropriate, reporting such to the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">On finances: (i) establishment of the bases and previous analysis of the proposals submitted to the Board of Directors relating to the Bank&#8217;s funding plan, its capital and liquidity structure, and its dividends policy; (ii) adoption of implementation decisions of mandates expressly conferred on it by the Board of Directors in these fields.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analysis of matters relating to business risk in the proposals and plans submitted to the Board of Directors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analysis, assessment and management of matters relating to reputational risk. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Functions of prior reporting on policies submitted to the Board of Directors and approval of general Group and Company policies:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analyze, prior to their consideration by the Board of Directors, the general Group and Company policies that, in accordance with the law or internal regulations, must be approved by the Board of Directors, except for policies relating to issues within other Board committees&#8217; remit, which will be approved or reported to the Board beforehand by the corresponding committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Monitoring and control functions: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The Committee will perform monitoring and control functions regarding the following matters, among others: (i) the Group&#8217;s activity and results; (ii) budget monitoring; (iii) progress of the Strategic Plan, through the key performance indicators established for this purpose; (iv) monitoring of the Group&#8217;s liquidity and funding plan and capital situation, as well as of the activity of the Assets and Liabilities Committee; (v) analysis of the markets in which the Group carries out its activities; (vi) progress of the projects and investments agreed upon within its remit.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Decision-making powers over the following issues, among others:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Investments and divestments exceeding &#8364;50 million and not reaching &#8364;400 million, unless they are of a strategic nature due to their particular characteristics, in which case the decision will correspond to the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Plans and projects that are considered of importance to the Group and that arise from its activities, when they do not fall within the remit of the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Decisions pertaining to the assumption of risks that exceed the limits set by the Board of Directors, which must be reported to the Board of Directors at its first meeting held thereafter, for ratification.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The granting and revoking of the Bank&#8217;s powers of attorney.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Proposals for the appointment and replacement of directors in the Bank&#8217;s subsidiaries or investee companies with more than &#8364;50 million in own funds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Decisions regarding whether executive directors may hold management positions in companies controlled, directly or indirectly, by the Bank, or in the Group's investee companies.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">161</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Executive Committee will meet whenever it is convened by its Chair, who is empowered to call the Committee meetings and to set their agendas. The Committee will endeavor to establish an annual calendar of meetings, considering the amount of time to be devoted to its different tasks. During 2022, the Executive Committee met nineteen (19) times.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Audit Committee </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Audit Committee shall perform the duties required under applicable law, Board of Directors Regulations, our Bylaws and its specific Regulations. Essentially, its mission is to assist the Board of Directors in overseeing the preparation of the financial statements and public information, and the relationship with the external auditor and the Internal Audit function.</span></div><div style="text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Board of Directors Regulations establish that the Audit Committee will be composed of a minimum of four directors to be appointed by the Board of Directors, which will also appoint its Chair, who will be replaced every four years and may be re-elected one year after ceasing to hold the position. The Audit Committee will be composed exclusively of independent directors. The Board of Directors will endeavor to ensure that the members of the Committee have the knowledge and experience appropriate to the duties they are called upon to perform. In any event, at least one member will be appointed taking into account his or her knowledge and experience in accounting, auditing or both. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 16.A. Audit Committee Financial Expert</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, the Audit Committee is comprised of five independent directors, who are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Position (type of directorship)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Name</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair (Independent)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jaime F&#233;lix Caruana Lacorte</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jos&#233; Miguel Andr&#233;s Torrecillas</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Bel&#233;n Garijo L&#243;pez</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Lourdes M&#225;iz Carro</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Ana Cristina Peralta Moreno</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to its Regulations, the Audit Committee has the following functions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Inform the general shareholders&#8217; meeting on the questions raised in relation to the matters that are within the remit of the Committee and, in particular, on the result of the audit, explaining how the audit has contributed to the integrity of the financial information and the function performed by the Committee in this process.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Oversee the process of preparing and reporting financial information and submit recommendations or proposals to the Board of Directors aimed at safeguarding the integrity thereof.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Likewise, analyze, prior to their submission to the Board of Directors and in enough detail to guarantee their accuracy, reliability, sufficiency and clarity, the financial statements of the Bank and of its consolidated Group contained in the annual, six-monthly and quarterly reports, as well as in all other required financial and related non-financial information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Additionally, the Committee shall review the necessary consolidation perimeter, the correct application of accounting criteria, and all the relevant changes relating to the accounting principles used and to the presentation of the financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Oversee the effectiveness of the Company&#8217;s internal control and risk management systems, in terms of the process of preparing and reporting financial information, including fiscal risks, and discuss with the auditor any significant weaknesses in the internal control system detected during the audit, without undermining its independence. For such purposes, and where appropriate, the Committee may submit recommendations or proposals to the Board of Directors, along with the deadline for their follow-up.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">With regard to the Internal Audit function:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">Propose to the Board of Directors the selection, appointment, re-election and removal of the head of the Internal Audit function, based on candidates from within the executive level preselected by the Talent &amp; Culture area. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Monitor the independence, effectiveness and operation of the Internal Audit function. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">Analyze and establish objectives for the head of the Internal Audit function and assess his or her performance, submitting its proposal on both matters to the Remuneration Committee in order to ensure alignment with the remuneration model applicable to the Senior Management at any given time, submitting the corresponding proposals to the Board of Directors. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">162</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Ensure that the Internal Audit function has the necessary material and human resources for the effective performance of its functions, in terms of personnel, as well as material elements, systems, procedures and operation manuals. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">e.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">Analyze and, where appropriate, approve the annual work plan for the Internal Audit function, as well as any other occasional or specific plans to be implemented as a result of regulatory changes or as required for the organization of the Group&#8217;s business.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Receive monthly information from the head of the Internal Audit function regarding the activities carried out by the Internal Audit function, as well as regarding any incidents and obstacles that may arise, and verify that the Senior Management takes into account the conclusions and recommendations of his or her reports.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be apprised of the audited units&#8217; degree of compliance with corrective measures previously recommended by Internal Audit, and report to the Board on those cases that may involve a significant risk for the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Submit to the Board of Directors proposals for the selection, appointment, re-election and replacement of the external auditor, taking responsibility for the selection process in accordance with applicable regulations, as well as the hiring conditions of the external auditor, and to periodically obtain information from the external auditor on the external audit plan and its execution, in addition to preserving its independence in the performance of its functions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Ensure the independence of the auditor in two senses: (i) avoiding that the auditor&#8217;s warnings, opinions or recommendations may be adversely influenced. To this end, ensuring that compensation for the auditor&#8217;s work does not compromise either its quality or independence, in compliance with the auditing legislation in force at any given moment; (ii) establishing incompatibility between the provision of audit and consulting services, unless they are tasks required by supervisors or the provision of which by the auditor is permitted by applicable legislation, and there are no alternatives on the market that are equal in terms of content, quality or efficiency to those provided by the auditor, in which case, conformity of the Committee will be required, and this decision may be delegated in advance to its Chair. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Establish appropriate relations with the auditor in order to receive information on any matters that may jeopardize their independence and any other matters in connection with the auditing process, as well as those other communications provided for by law and in auditing standards. In any event, the Committee must receive from the external auditors, on an annual basis, a statement of their independence with regard to the Company or entities directly or indirectly associated with it, as well as detailed and individualized information on additional services of any kind provided and the corresponding fees received by the external auditor or by persons or entities associated with the external auditor, as provided for in auditing legislation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Where appropriate, authorize the provision of additional services other than prohibited services, by the auditor or associated persons or entities, the performance of which is required by applicable regulations in each case, under the terms provided for in auditing legislation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Issue, on an annual basis and before the audit report is issued, a report expressing an opinion on whether the auditor&#8217;s independence has been compromised. This report must, in all cases, contain a reasoned assessment of the provision of each and every additional service referred to in the preceding paragraph, considered individually and collectively, other than the legal audit, and relating to the framework of independence or the regulations on audit activity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Verify, with the appropriate frequency, that the external audit program is being carried out in accordance with the contract conditions and is thereby meeting the requirements of the competent official authorities and the corporate bodies. The Committee will also periodically &#8211; at least once per year &#8211; request from the auditor an evaluation of the quality of the internal control procedures regarding the preparation and reporting of the Group&#8217;s financial information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Ensure that the auditor holds an annual meeting with the full Board of Directors to inform it of the work carried out and the progress of the Company&#8217;s risks and accounting situations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be apprised of any infringements, situations requiring adjustments, or anomalies that may be detected during the course of the external audit, provided that these are relevant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be apprised of reports, documents or communications from external supervisory bodies related to the scope of the Committee&#8217;s functions in the terms set out above. The Committee will ensure that the instructions, requirements and recommendations received from the supervisory bodies are implemented in due time and form, in order to correct any irregularities, shortfalls or inadequacies that may be detected in the inspections performed, within the scope of their functions.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">163</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report on all matters within its remit as provided for in the law, the Bylaws and the Board of Directors Regulations and the specific regulations of the Committee prior to any decisions that the general shareholders&#8217; meeting, the Board of Directors or the Executive Committee may be required to adopt regarding such matters, and in particular on: financial information that the Company is required to publish; economic conditions and accounting impact of relevant corporate transactions and structural modifications (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">modificaciones estructurales</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">); the creation or acquisition of shares in special purpose vehicles or in entities domiciled in territories considered to be tax havens; and related-party transactions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Audit Committee will meet whenever it is convened by its Chair, who is empowered to call the Committee meetings and to set their agendas. The Committee will endeavor to establish an annual calendar of meetings, considering the amount of time to be devoted to its different tasks. During 2022, the Audit Committee met thirteen (13) times.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Executives responsible for the areas that manage matters within the Committee&#8217;s remit may be called to meetings, in particular, Accounting and Internal Audit areas and, at the request thereof, those persons within the Group who have knowledge of or responsibility for the matters covered by the agenda, when their presence at the meeting is deemed convenient. The Committee may also call any other Group employee or manager, and even arrange for them to attend without the presence of any other manager. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the foregoing, it will seek to ensure that the presence of persons outside the Committee during these meetings, such as Bank managers and employees, be limited to those cases where it is necessary and to the items on the agenda for which they are called. In any event, the Committee will endeavor to hold private meetings with the head of Internal Audit and with the external auditor, without the attendance of other persons and at appropriate intervals. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee may, through its Secretary, engage external advisory services for relevant issues when it considers that these cannot be provided by experts or technical staff within the Group on grounds of specialization or independence.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the Committee may solicit personal cooperation and reports from any employee or member of the Senior Management if deemed necessary in order to comply with its functions in relevant matters.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Appointments and Corporate Governance Committee </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Appointments and Corporate Governance Committee assists the Board of Directors in matters relating to the selection and appointment of members of the Board of Directors; the assessment of performance; the drafting of succession plans; the Bank&#8217;s corporate governance system; and the supervision of the conduct of directors and any conflicts of interest that may affect them.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In compliance with the Board of Directors Regulations, this Committee will be composed of a minimum of three directors who must be non-executive directors appointed by the Board of Directors, which will also appoint its Chair. The Chair and the majority of its members must be independent directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, the Appointments and Corporate Governance Committee is composed of three independent directors, including its Chair, and of two external directors, who are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Position (type of directorship)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Name</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair (Independent)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jos&#233; Miguel Andr&#233;s Torrecillas</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Bel&#233;n Garijo L&#243;pez</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (External)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jos&#233; Maldonado Ramos</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Juan Pi Llorens</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (External)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Susana Rodr&#237;guez Vidarte</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The functions of the Appointments and Corporate Governance Committee according to its Regulations are as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Submit proposals to the Board of Directors for the appointment, re-election or removal of independent directors and report on proposals for the appointment, re-election or removal of the remaining directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To this end, the Committee will evaluate the balance of knowledge, skills and experience of the Board of Directors, as well as the conditions that the candidates must meet to cover the vacancies that arise, assessing the dedication of time considered necessary to adequately carry out their duties, in view of the needs that the corporate bodies have at any given time.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">164</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee will ensure that selection procedures are not implicitly biased in such a way that may entail any kind of discrimination and, in particular, that may hinder the selection of directors of the underrepresented gender, endeavoring that directors of said gender who display the professional profile sought are included amongst potential candidates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee, when drafting the corresponding proposals for the appointment of directors, will take into consideration, in case they may be considered suitable, any requests that may be made by any member of the Board of Directors regarding potential candidates to fill the vacancies that have arisen.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Submit proposals to the Board of Directors on policies on the selection and diversity of the members of the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Establish a target for representation of the underrepresented gender on the Board of Directors and draw up guidelines on how to reach that target.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analyze the structure, size and composition of the Board of Directors, at least once per year, when assessing its operation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analyze the suitability of the members of the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Review the status of each director each year, so that this may be reflected in the Annual Corporate Governance Report.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report on proposals for the appointment of the Chair of the Board and Secretary and, where appropriate, the Deputy Chair and the Deputy Secretary, as well as the Chief Executive Officer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Submit to the Board of Directors proposals for the appointment, removal or re-election of the Lead Director.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Determine the procedure for assessing the performance of the Chair of the Board of Directors, the Chief Executive Officer, the Board of Directors as a whole and the Board&#8217;s committees, and to oversee its implementation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report on the quality and efficiency of the performance of the Board of Directors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report on the performance of the Chair of the Board of Directors and of the Chief Executive Officer, integrating for the latter the assessment made in this regard by the Executive Committee, for the purpose of the periodic assessment of both by the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Examine and organize the succession of the Chair of the Board of Directors, the Chief Executive Officer and, where applicable, the Deputy Chair, in coordination with the Lead Director in the case of the Chair of the Board and, where appropriate, submit proposals to the Board of Directors to ensure that the succession takes place in an orderly and planned manner.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Review the Board of Directors&#8217; policy on the selection and appointment of members of the Senior Management, and submit recommendations to the Board when applicable.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report on proposals for the appointment and removal of senior managers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Regularly review and assess the Company&#8217;s corporate governance system and, where applicable, submit proposals to the Board of Directors, for approval or subsequent submission to the General Shareholders&#8217; Meeting, on any amendments and updates that would contribute to its implementation and continuous improvement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Ensure compliance with the provisions applicable to directors contained in the Board of Directors Regulations or in the applicable legislation, as well as with the rules relating to conduct on the securities markets, and inform the Board of Directors of these if it deems it necessary.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report, prior to any decisions that may be made by the Board of Directors, on all matters within its remit as provided for in the law, the Bylaws, the Board of Directors Regulations and the Regulations of the Appointments and Corporate Governance Committee, and in particular on situations of conflict of interest of the directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the performance of its duties, the Appointments and Corporate Governance Committee, through its chair, will consult with the Chair of the Board of Directors, particularly with respect to matters relating to executive directors and senior managers.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">165</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the Regulations of the Appointments and Corporate Governance Committee, executives responsible for the areas that manage matters within the Committee&#8217;s remit may be called to meetings, as well as, at the request thereof, those persons within the Group who have knowledge of or responsibility for the matters covered by the agenda, when their presence at the meeting is deemed convenient. The Committee may also call any other Group employee or manager, and even arrange for them to attend without the presence of any other manager. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the foregoing, it will seek to ensure that the presence of persons outside the Committee during these meetings, such as Bank managers and employees, be limited to those cases where it is necessary and to the items on the agenda for which they are called. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee may, through its Secretary, engage external advisory services for relevant issues when it considers that these cannot be provided by experts or technical staff within the Group on grounds of specialization or independence. Furthermore, the Committee may solicit personal cooperation and reports from any employee or member of the Senior Management if deemed necessary in order to comply with its functions in relevant matters. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee will meet whenever it is convened by its Chair, who is empowered to call the Committee meetings and to set their agendas. The Committee will endeavor to establish an annual calendar of meetings, considering the amount of time to be devoted to its different tasks. During 2022, the Appointments and Corporate Governance Committee met six (6) times.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Remuneration Committee</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Remuneration Committee, in accordance with the Board of Directors Regulations, assists the Board of Directors in remuneration matters within its remit and, in particular, those relating to the remuneration of directors, senior managers and those employees whose professional activities have a significant impact on the Group&#8217;s risk profile. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Board of Directors Regulations, the Committee will be composed of a minimum of three directors appointed by the Board of Directors. All the members must be non-executive directors, with a majority of independent directors, including the Chair.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, the Remuneration Committee is composed of four independent directors, including its Chair, and of one external director, who are the following: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Position (type of directorship)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Name</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair (Independent)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Bel&#233;n Garijo L&#243;pez</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Lourdes M&#225;iz Carro</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Ana Cristina Peralta Moreno</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (External)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Carlos Salazar Lomel&#237;n</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jan Paul Marie Francis Verplancke</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the Regulations of the Remuneration Committee, the scope of the functions of the Remuneration Committee is as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Propose to the Board of Directors, for submission to the general shareholders&#8217; meeting, the remuneration policy for directors, and also submit its corresponding report, all in accordance with the terms established by applicable regulations at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Determine the remuneration of non-executive directors, as provided for in the remuneration policy for directors, submitting the corresponding proposals to the Board.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Determine the extent and amount of the individual remunerations, rights and other economic rewards, as well as the remaining contractual conditions for executive directors, so that these can be contractually agreed, in accordance with the remuneration policy for directors, submitting the corresponding proposals to the Board of Directors.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Determine the objectives and criteria for measuring the variable remuneration of the executive directors and assess the degree of achievement thereof, submitting the corresponding proposals to the Board of Directors, which, in the case of the Chief Executive Officer, will take into account the assessment made by the Executive Committee and, in the case of other executive directors who may report to the Chair or to the Chief Executive Officer, the assessment made by these.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analyze, where appropriate, the need to make ex-ante or ex-post adjustments to variable remuneration, including the application of malus or clawback arrangements for variable remuneration, submitting the corresponding proposals to the Board of Directors, prior report of the corresponding committees in each case.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">166</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Annually submit the proposal of the annual report on the remuneration of the Bank&#8217;s directors to the Board of Directors, which will then be submitted to the annual general shareholders&#8217; meeting, in accordance with the provisions of the applicable law.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Propose to the Board of Directors the remuneration policy for senior managers and employees whose professional activities have a significant impact on the Group&#8217;s risk profile. Likewise, oversee its implementation, including supervision of the process for identifying such employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Submit a proposal to the Board of Directors, and supervise the implementation of, the Group&#8217;s remuneration policy, which may include the policy for senior managers and the policy for employees whose professional activities have a significant impact on the Group&#8217;s risk profile, stated in the previous paragraph.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Submit to the Board of Directors the proposals for basic contractual conditions for senior managers, including their remuneration and severance indemnity in the event of termination.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Directly oversee the remuneration of senior managers and determine, within the framework of the remuneration model applicable to Senior Management at any given time, the objectives and criteria for measuring variable remuneration of the heads of the Regulation and Internal Control function and of the Internal Audit function, submitting the corresponding proposals to the Board of Directors, on the basis of those submitted to it in this regard by the Risk and Compliance Committee and the Audit Committee, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Ensure observance of the remuneration policies established by the Company and review them periodically, proposing, where appropriate, any modifications deemed necessary to ensure, amongst other things, that they are adequate for the purposes of attracting and retaining the best professionals, that they contribute to the creation of long-term value and adequate control and management of risks, and that they attend to the principle of pay equity. In particular, ensure that the remuneration policies established by the Company are subject to internal, central and independent review at least once a year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Verify the information on the remuneration of directors and senior managers contained in the various corporate documents, including the annual report on the remuneration of directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Oversee the selection of external advisers, whose advice or support is required for the performance of their functions in remuneration matters, ensuring that any potential conflicts of interest do not impair the independence of the advice provided.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the performance of its duties, the Committee, through its chair, will consult with the Chair of the Board of Directors, particularly with respect to matters relating to executive directors and senior managers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the Regulations of the Remuneration Committee, executives responsible for the areas that manage matters within the Committee&#8217;s remit may be called to meetings, as well as, at the request thereof, those persons within the Group who have knowledge of or responsibility for the matters covered by the agenda, when their presence at the meeting is deemed convenient. The Committee may also call any other Group employee or manager, and even arrange for them to attend without the presence of any other manager.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the foregoing, it will seek to ensure that the presence of persons outside the Committee during these meetings, such as Bank managers and employees, be limited to those cases where it is necessary and to the items on the agenda for which they are called. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Remuneration Committee will meet whenever it is convened by its Chair, who is empowered to call the Committee meetings and to set their agendas. The Committee will endeavor to establish an annual calendar of meetings, considering the amount of time to be devoted to its different tasks. During 2022, the Remuneration Committee met on seven (7) occasions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk and Compliance Committee</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Board&#8217;s Risk and Compliance Committee&#8217;s essential function is to assist the Board of Directors in the determination and monitoring of the Group&#8217;s risk control and management policy, including risk internal control and non-financial risks, with the exception of those related to internal financial control, which are within the Audit Committee&#8217;s remit; and those related to technological risk, which are within the Technology and Cybersecurity Committee&#8217;s remit; in each case in accordance with the Board of Directors Regulations and the Regulations of the committees. It will also assist the Board of Directors in the oversight of the Compliance functions and the implementation of a risk and compliance culture in the Group. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">167</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Risk and Compliance Committee will consist of a minimum of three directors appointed by the Board of Directors, which will also appoint its Chair. All the members of this Committee must be non-executive directors and the majority, including the Chair, must be independent directors. The Board of Directors will endeavor to ensure that the members of the Committee possess the appropriate knowledge, ability and experience to understand and control the risk strategy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, the Risk and Compliance Committee is composed of four independent directors, including its Chair, and of one external director, who are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Position (type of directorship)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Name</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair (Independent)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Juan Pi Llorens</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jaime F&#233;lix Caruana Lacorte</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Ra&#250;l Catarino Galamba de Oliveira</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Ana Leonor Revenga Shanklin</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (External)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Susana Rodr&#237;guez Vidarte</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Regulations of the Risk and Compliance Committee, such Committee has the following duties:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Based on the strategic elements established by either the Board of Directors or the Executive Committee at any given time, analyze and submit to the Board proposals regarding the Group&#8217;s risk strategy, management and control, identifying in particular:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">The Group&#8217;s risk appetite; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Determination of the level of risk considered acceptable in terms of risk profile and capital at risk, broken down by the Group&#8217;s businesses and areas of activity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The foregoing will include the Bank&#8217;s Risk Appetite Framework, the internal capital and liquidity adequacy assessment processes, which the Committee will analyze and submit to the Board of Directors, based on the strategic-financial approaches determined by both the Board of Directors and the Executive Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Address, in a manner consistent with the Risk Appetite Framework established by the Board of Directors, the control and management policies for the different risks, including financial risks, and, to the extent that they do not correspond to another Board committee, non-financial risks, as well as information and internal control systems.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Oversee the effectiveness of the Regulation and Internal Control function (integrated by the Regulation, Supervisors and Compliance areas, as well as the Risk Internal Control and the Non-Financial Risks areas), which will hierarchically report to the Board of Directors, through the Committee, and in particular:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">Propose to the Board of Directors the appointment and removal of the head of Regulation and Internal Control function, based on candidates from within the executive level preselected by the Talent &amp; Culture area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Analyze and establish objectives for the head of Regulation and Internal Control function and assess his or her performance, incorporating the assessment of the Chair of the Board regarding the Regulation and Supervisors functions, submitting its proposal on both matters to the Remuneration Committee in order to ensure alignment with the remuneration model applicable to the Senior Management at any given time, submitting the corresponding proposals to the Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">Ensure that the Regulation and Internal Control function has the necessary material and human resources for the effective performance of its functions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Analyze and, where appropriate, approve the annual work plan for the Regulation and Internal Control function, as well as its modifications, and monitor compliance thereof.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Receive monthly information from the head of Regulation and Internal Control function regarding the activities carried out by this area, as well as regarding any incidents that may arise, and verify that the Senior Management takes into account the conclusions and recommendations of his or her reports. Notwithstanding the foregoing, the head of Regulation and Internal Control function will also report quarterly to the full Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee will also receive periodic information, as often as appropriate, from the heads of the Compliance, Risk Internal Control and Non-Financial Risk areas, integrated in the Regulation and Internal Control function.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">168</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Monitor the evolution of the Group&#8217;s risks and their degree of compatibility with established strategies and policies, and with the Group&#8217;s Risk Appetite Framework, and oversee procedures, tools and risk measurement indicators established at Group level to obtain a global view of the Bank&#8217;s and the Group&#8217;s risks. Likewise, monitor compliance with prudential regulation and supervisory requirements regarding risks. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, analyze, where appropriate, the measures envisaged to mitigate the impact of identified risks, should these materialize, to be adopted by the Executive Committee or the Board of Directors, as appropriate. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analyze, within its remit, the risks associated with projects that are considered strategic for the Group or with corporate transactions to be submitted to consideration by the Board of Directors or, where appropriate, to consideration by the Executive Committee and, where necessary, submit the corresponding report.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Analyze, prior to their submission to the Board of Directors or to the Executive Committee those risk operations to be submitted to their consideration.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Examine whether the prices of the assets and liabilities offered to customers fully take into account the Bank&#8217;s business model and risk strategy and, if not, submit a plan to the Board of Directors aimed at rectifying the situation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Participate in the process of establishing the remuneration policy, ascertaining that it is compatible with an adequate and effective risk management strategy and that it does not offer incentives to assume risks that exceed the level tolerated by the Bank.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Verify that the Company and the Group have means, systems, structures and resources that are consistent with best practices that enable to implement their risk management strategy, ensuring that the Bank&#8217;s risk management mechanisms are adequate in relation thereto. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report, prior to any decisions that may have to be adopted by the Board of Directors, on all matters within its remit as provided for in the law, the Bylaws, the Board of Directors Regulations and the Regulations of the Risk and Compliance Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Ensure compliance with applicable national or international regulations on matters related to money laundering, conduct on the securities markets, data protection and the scope of Group activities with respect to competition, and ensure that requests for information or action made by official authorities on these matters are dealt with in due time and in an appropriate manner.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed on any breach of the applicable internal or external regulations, as well as the relevant events that the areas reporting to the Committee may have identified within their oversight and control functions. Likewise, the Committee shall be informed on those issues related to legal risks which may arise in the course of Group&#8217;s activity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Examine draft codes of ethics and conduct and their respective modifications prepared by the corresponding area of the Group, and issue its opinion in advance of the proposals to be drawn up to the corporate bodies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be apprised of reports, documents or communications from external supervisory bodies, notwithstanding any communication made with the remaining committees with regard to their respective remits. Likewise, verify that the instructions, requirements and recommendations received from the supervisory bodies in order to correct the irregularities, shortfalls or inadequacies identified in the inspections performed are fulfilled in due time and appropriate manner.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Ensure the promotion of risk culture across the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Supervise the Group&#8217;s criminal risk prevention model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Review and supervise the systems under which Group professionals may confidentially report any possible irregularities in the field of financial information or other matters.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the Regulations of the Risk and Compliance Committee, executives responsible for the areas that manage matters within the Committee&#8217;s remit may be called to meetings, in particular, Regulation and Internal Control area and Risks area, and, at the request thereof, those persons within the Group who have knowledge of or responsibility for the matters covered by the agenda, when their presence at the meeting is deemed convenient. The Committee may also call any other Group employee or manager, and even arrange for them to attend without the presence of any other manager.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">169</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the foregoing, it will seek to ensure that the presence of persons outside the Committee during these meetings, such as Bank managers and employees, be limited to those cases where it is necessary and to the items on the agenda for which they are called.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee will meet whenever it is convened by its Chair, who is empowered to call the Committee meetings and to set their agendas. The Committee will endeavor to establish an annual calendar of meetings, considering the amount of time to be devoted to its different tasks. In 2022, it held twenty-two (22) meetings.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Technology and Cybersecurity Committee</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Technology and Cybersecurity Committee&#8217;s essential function is to assist the Board of Directors in the oversight of technological risk and cybersecurity management and in monitoring the Group&#8217;s technology strategy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Technology and Cybersecurity Committee will consist of a minimum of three directors appointed by the Board of Directors, which will also appoint its Chair. The Board of Directors will endeavor to ensure that the members of the Committee have the knowledge and experience appropriate to the duties they are called upon to perform.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, the Technology and Cybersecurity Committee is composed of one executive director and four independent directors, who are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Position (type of directorship)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Name</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chair (Executive)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Carlos Torres Vila</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Ra&#250;l Catarino Galamba de Oliveira</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Juan Pi Llorens</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mrs. Ana Leonor Revenga Shanklin</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Member (Independent)</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mr. Jan Paul Marie Francis Verplancke</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under its regulations, the Technology and Cybersecurity Committee has the following functions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">- Oversight of technological risk and cybersecurity management:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Review the Group&#8217;s exposures to the main technological risks, including the risks related to information security and cybersecurity, as well as the procedures adopted by the executive area to monitor and control such exposures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Review the policies and systems for the assessment, control and management of the Group&#8217;s technological infrastructures and risks, including the response and recovery plans in the event of cyber-attacks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed of business continuity plans in matters of technology and technological infrastructure.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed, as appropriate, of:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">Compliance risks associated with information technologies; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Procedures established to identify, assess, oversee, manage and mitigate these risks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed of any relevant events that may have occurred with regard to cybersecurity, i.e. events that, either in isolation or as a whole, may cause significant impact or harm to the Group&#8217;s equity, results or reputation. In any case, such events will be communicated, as soon as they are identified, to the Chair of the Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed, with the frequency required by the head of the Technological Security area, of the activities carried out thereby, as well as of any incidents that may arise.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">170</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">- Monitoring the Technology Strategy:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed, as appropriate, of the technology strategy and trends that may affect the Group&#8217;s strategic plans, including the monitoring of general industry trends.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed, as appropriate, of the metrics established by the Group for the management and control in the technological field, including the Group&#8217;s developments and investments in this field.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed, as appropriate, of matters related to new technologies, applications, information systems and best practices that may affect the Group&#8217;s technology strategy or plans.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Be informed, as appropriate, of the main policies, strategic projects and plans defined by the Engineering area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Report to the Board of Directors and, where appropriate, to the Executive Committee, on information technology-related matters falling within its remit. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For a better performance of its functions, appropriate coordination systems will be established between the Technology and Cybersecurity Committee and the Audit Committee to facilitate:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">That the Committee is aware of the conclusions of the work carried out by the Internal Audit area in technology and cybersecurity matters.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">That the Audit Committee is informed of the information technology related systems and processes that are related to or affect the Group&#8217;s internal control systems and other matters within its remit.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee will meet whenever it is convened by its Chair, who is empowered to call the Committee meetings and to set their agenda. The Committee will endeavor to establish an annual calendar of meetings, considering the amount of time to be devoted to its different tasks. In 2022 it held six (6) meetings.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">171</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_274"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D.      Employees</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, we had 115,675 employees. Approximately 92.5% of our employees in Spain held technical, managerial and executive positions, while the remainder were clerical and support staff. The table below sets forth the number of BBVA employees by geographical area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:24.940%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.393%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Country</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">BBVA</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Bank Subsidiaries</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Non-bank Subsidiaries</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,796</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,149</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">25,945</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">128</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">128</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">France</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">68</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">68</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Italy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">52</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">52</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Germany</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">43</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Switzerland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">120</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">120</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Portugal</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">349</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">78</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">427</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Belgium</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The Netherlands</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">219</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">219</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Russia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Romania</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,137</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,137</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Ireland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Luxembourg</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,208</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,208</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Malta</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">14</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Cyprus</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">106</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Finland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Europe</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">21,457</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">21,882</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">5,149</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">48,488</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">The United States</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">266</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">102</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">368</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Argentina</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,687</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">182</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,869</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Brazil</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,253</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,425</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,678</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Venezuela</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,776</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,804</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">40,998</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,513</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">43,511</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Uruguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">517</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">573</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Paraguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Bolivia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">466</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">466</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chile</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">767</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">767</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Cuba</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,699</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">286</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,985</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Latin America</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">60,936</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">5,723</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">66,660</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Hong Kong</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">93</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">93</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Japan</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">China</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">27</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Singapore</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">15</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">India</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">South Korea</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">United Arab Emirates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Taiwan</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Indonesia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Asia</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">159</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">159</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">21,883</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">82,920</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">10,872</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">115,675</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">172</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, we had 110,432 employees. Approximately 94% of our employees in Spain held technical, managerial and executive positions, while the remainder were clerical and support staff. The table below sets forth the number of BBVA employees by geographical area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:24.940%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.393%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of December 31, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Country</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">BBVA</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Bank Subsidiaries</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Non-bank Subsidiaries</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,186</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4,657</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">24,843</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">118</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">France</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">66</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">66</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Italy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">52</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Germany</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">41</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Switzerland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">117</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">117</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Portugal</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">360</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">440</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Belgium</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The Netherlands</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">220</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">220</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Russia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Romania</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,119</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,119</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Ireland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Luxembourg</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,064</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,064</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Malta</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">14</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Cyprus</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">106</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Finland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Europe</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">20,844</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">21,720</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">4,658</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">47,222</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">The United States</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">197</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">98</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">295</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Argentina</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,852</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,852</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Brazil</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,741</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Venezuela</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,764</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,764</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">39,491</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">752</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">40,243</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Uruguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">579</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">579</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Paraguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Bolivia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">468</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">468</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chile</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">714</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">714</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Cuba</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,394</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,394</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Latin America</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">61,523</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1,238</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">62,762</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Hong Kong</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">90</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">90</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Japan</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">China</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">28</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Singapore</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">India</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">South Korea</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">United Arab Emirates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Taiwan</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Indonesia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Asia</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">153</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">153</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">21,195</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">83,341</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">5,896</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">110,432</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">173</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2020, we had 123,174 employees. Approximately 93% of our employees in Spain held technical, managerial and executive positions, while the remainder were clerical and support staff. The table below sets forth the number of BBVA employees by geographical area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:24.940%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.393%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Country</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">BBVA</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Bank Subsidiaries</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Non-bank Subsidiaries</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">23,971</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,359</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">29,330</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">118</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">France</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">68</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">68</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Italy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">51</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Germany</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">43</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Switzerland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">113</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">113</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Portugal</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">367</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">447</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Belgium</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The Netherlands</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">236</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">236</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Russia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Romania</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,199</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Ireland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Luxembourg</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,358</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">20,358</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Malta</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">13</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Cyprus</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">103</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">103</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Finland</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">125</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Europe</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">24,638</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">22,103</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">5,486</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">52,227</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">The United States</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">149</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">10,746</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">10,895</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Argentina</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,052</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,052</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Brazil</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,592</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Venezuela</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,012</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2,012</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">36,699</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:27pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">154</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">36,853</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Uruguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">590</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">590</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Paraguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">430</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">430</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Bolivia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">476</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Chile</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">696</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">696</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Cuba</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,204</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,204</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Latin America</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">59,275</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">636</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">59,912</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Hong Kong</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">80</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Japan</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">China</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">28</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Singapore</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">India</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">South Korea</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">United Arab Emirates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Taiwan</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Indonesia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">2</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total Asia</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">140</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">140</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">24,928</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">92,124</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">6,122</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:18pt;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">123,174</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">174</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The number of employees increased by 4.7% during 2022 and decreased by 10.3% in 2021, mainly due to the increase in the number of employees in Mexico and, to a lesser extent, Peru. The decrease in the number of employees in 2021 was mainly attributable to the closing of the USA Sale and, to a lesser extent, the collective layoff procedure in Spain.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_277"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The basic terms and conditions of employment in the private bank sector in Spain are negotiated with the unions representing bank employees in the sector. Wage negotiations take place on a sector level. This process has historically resulted in binding collective bargaining agreements for all Spanish banks and their employees. The XXIV Banking Collective Bargaining Agreement (BCBA) was signed in 2021 and will remain in force until December 31, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, 2021 and 2020, we had 299, 390 and 746 temporary employees in Spain, respectively.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_280"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:13.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Employee Pension Plans</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the relevant collective labor agreements, BBVA and some of its subsidiaries provide supplemental pension payments to certain active and retired employees and their beneficiaries. These payments supplement social security benefits from the Spanish government. See Note 2.2.11 and Note 25 to our Consolidated Financial Statements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_283"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">E.      Share Ownership</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_286"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of February 27, 2023, the members of the Board of Directors owned an aggregate of BBVA shares as shown in the table below: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Name</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Directly owned shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Indirectly owned shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">% Capital Stock</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Carlos Torres Vila</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,153,570</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,153,570</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.019</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Onur Gen&#231; *</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">698,910</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">698,910</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.012</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jos&#233; Miguel Andr&#233;s Torrecillas</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,828</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,828</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.000</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jaime Caruana Lacorte</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">45,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.001</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ra&#250;l Galamba de Oliveira</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.000</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bel&#233;n Garijo L&#243;pez</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Connie Hedegaard Koksbang</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Lourdes M&#225;iz Carro</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jos&#233; Maldonado Ramos</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.001</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ana Peralta Moreno</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Juan Pi Llorens</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ana Revenga Shanklin*</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.000</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Susana Rodr&#237;guez Vidarte</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,980</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,980</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.000</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Carlos Salazar Lomel&#237;n</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">397,929</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">130,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">527,929</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.007</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jan Verplancke</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,401,978</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">140,000</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,541,978</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.040</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">* Onur Gen&#231;, Ana Revenga Shanklin and Carlos Salazar Lomel&#237;n owned 31,326, 10,000 and 267,000 shares in the form of ADSs, respectively.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_289"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA has not granted options on its shares to any members of its administrative, supervisory or management bodies.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">175</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_292"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of February 27, 2023 the Senior Management (excluding executive directors) owned an aggregate of BBVA shares as shown in the table below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Name</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Directly owned shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Indirectly owned shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">% Capital Stock</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Domingo Armengol Calvo</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">169,759</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">169,759</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.003</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mar&#237;a Jes&#250;s Arribas de Paz</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">122,544</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">122,544</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.002</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pello Belausteguigoitia Mateache</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">119,173</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">119,173</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.002</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Carlos Casas Moreno</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">47,945</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">47,945</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.001</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Victoria del Castillo Marchese</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">53,371</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">53,371</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.001</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jos&#233; Luis Elechiguerra Joven*</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">118,649</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">118,649</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.002</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ana Fern&#225;ndez Manrique</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">112,654</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">105,031</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">217,685</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.004</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Mar&#237;a Luisa G&#243;mez Bravo</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">229,055</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">229,055</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.004</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Joaqu&#237;n Gortari D&#237;ez</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">96,006</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">96,006</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.002</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ricardo Mart&#237;n Manj&#243;n</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,795</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,307</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">42,102</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.001</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Eduardo Osuna Osuna</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">169,836</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">169,836</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.003</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">David Puente Vicente</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">192,230</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">192,230</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.003</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Francisco Javier Rodr&#237;guez Soler</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">191,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">191,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.003</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jaime S&#225;enz de Tejada Pulido</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">438,017</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">211</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">438,228</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.007</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Jorge S&#225;enz-Azc&#250;naga Carranza</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">160,983</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">160,983</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.003</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Rafael Salinas Mart&#237;nez de Lecea</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">359,162</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">381,947</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.006</span></td></tr><tr><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,612,271</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">138,334</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,750,605</span></td><td colspan="3" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">0.046</span></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:107%">* Jos&#233; Luis Elechiguerra Joven and Francisco Javier Rodr&#237;guez Soler owned 65,313 and 40,423 shares in the form of ADSs, respectively.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_295"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of February 27, 2023 a total of 12,943 employees (excluding the members of the Senior Management and executive directors) owned 48,376,049 shares, which represented 0.80% of our capital stock.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_2867"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">F.      Disclosure of a registrant&#8217;s action to recover erroneously awarded compensation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_304"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 7.      MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_307"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.      Major Shareholders</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 24, 2023, BlackRock, Inc. reported to the SEC that it beneficially owned 7.4% of BBVA&#8217;s common stock.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_310"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of February 27, 2023, no other person, corporation or government beneficially owned, directly or indirectly, five percent or more of BBVA&#8217;s shares. BBVA&#8217;s major shareholders do not have voting rights which are different from those held by the rest of its shareholders. To the extent known to us, BBVA is not controlled, directly or indirectly, by any other corporation, government or any other natural or legal person. As of February 27, 2023, there were 783,560 registered holders of BBVA&#8217;s shares, with an aggregate of 6,030,116,564 shares, of which 713 shareholders with registered addresses in the United States held a total of 1,528,846,164 shares (including shares represented by American Depositary Shares evidenced by American Depositary Receipts (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ADRs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)). Since certain of such shares and ADRs are held by nominees, the foregoing figures are not representative of the number of beneficial holders.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_313"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.      Related Party Transactions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA entities engage, on a regular and routine basis, in a number of customary transactions with other BBVA entities, including overnight call deposits, time deposits, foreign exchange purchases and sales, derivative transactions (such as forward purchases and sales), money market fund transfers, letters of credit for imports and exports, financial guarantees and service level agreements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">They also engage in other similar transactions within the scope of the ordinary course of their business, such as loans and other banking services, with our shareholders, employees, associates and family members of all the above and other BBVA non-banking subsidiaries or affiliates. These transactions are made in the ordinary course of business; on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons; and do not involve more than the normal risk of collectability or present other unfavorable features.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For information on these transactions as of December 31, 2022, 2021 and 2020, see Note 53 to our Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">176</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_316"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.      Interests of Experts and Counsel</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_319"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 8.     FINANCIAL INFORMATION</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_322"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.      Consolidated Statements and Other Financial Information </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial Information </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 18</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Dividends </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Final&#8221; dividends for a year may be proposed by the Board of Directors to be approved by the annual general shareholders&#8217; meeting following the end of the year to which they relate. Additionally, the Board of Directors may approve the payment of &#8220;interim&#8221; dividends on account of the year&#8217;s end profits following the fulfillment of certain requirements under Spanish law, which payment is endorsed by the annual general shareholders&#8217; meeting. Interim and final dividends are payable to shareholders of record on the record date for the dividend payment. Any unclaimed cash dividends revert to BBVA five years after declaration.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below sets forth the gross amount of interim, final and total cash dividends and distributions paid or expected to be paid by BBVA on its shares for the years 2018 to 2022. The rate used to convert euro amounts to U.S. dollars was the noon buying rate at the end of each year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"><tr><td style="width:1.0%"></td><td style="width:13.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.413%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.732%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="30" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Per Share </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">First Interim </span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Second Interim </span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Third Interim </span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Final </span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Total </span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2018</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.100</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.115</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.160</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.183</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.260</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.298</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.100</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.112</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.160</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.180</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.260</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.292</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.059</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.072</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.059</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.072</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.080</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.091</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.230</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.260</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.310</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.351</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.120</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.128</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.310</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.332</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8364;0.430</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$0.460</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Dividend Policy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 1, 2017, BBVA updated its shareholders&#8217; remuneration policy in order to implement a fully in cash remuneration policy after the execution of the 2017 &#8220;Dividend Option&#8221;, which took place during April 2017. Under such policy, remuneration was expected to be composed, for each financial year, of an interim dividend and a final dividend, subject to any applicable restrictions and authorizations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend distributions during the COVID-19 pandemic, the Board of Directors of BBVA resolved to modify for the financial year corresponding to 2020 the dividend policy of the Group, announced on February 1, 2017, determining as the policy for 2020 not to pay any dividend amount corresponding to 2020 until the uncertainties caused by COVID-19 disappear and, in any case, never before the end of such fiscal year. On July 27, 2020, the ECB prolonged this recommendation until January 1, 2021 by adopting recommendation ECB/2020/35. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 15, 2020 the ECB issued recommendation ECB/2020/62, repealing recommendation ECB/2020/35 and recommending that significant credit institutions exercise extreme prudence when deciding on or paying out dividends or performing share buy-backs aimed at remunerating shareholders. Recommendation ECB/2020/62 circumscribed prudent distributions to results of 2019 and 2020 but excluded distributions regarding 2021 until September 30, 2021. By means of an Inside Information communication on January 29, 2021 BBVA expressed its intention to reinstate its dividend policy of the Group announced on February 1, 2017 once recommendation ECB/2020/62 was repealed and no additional restrictions or limitations were in place. On July 23, 2021, the ECB made public the approval of recommendation ECB/2021/31 replacing recommendation ECB/2020/62, effective as from September 30, 2021, removing the remaining restrictions on dividends and buyback programs contained in such recommendation.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">177</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 18, 2021, BBVA announced that its Board of Directors had agreed to modify the Group&#8217;s shareholder distribution policy (announced on February 1, 2017), establishing a policy consisting of an annual distribution of between 40% and 50% of the consolidated ordinary profit of each year (excluding amounts and items of an extraordinary nature included in the consolidated income statement), compared to the previous policy of distributing between 35% and 40%. This policy is implemented through the distribution of an interim dividend for the year (which is expected to be paid in October of each year) and a final dividend or final distribution (which is expected to be paid at the end of the year and once the application of the result is approved, foreseeably in April of each year), with the possibility of combining cash distributions with share buybacks, all subject to the relevant authorizations and approvals applicable at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While we expect to declare and pay dividends on our shares in the future, the payment of dividends will depend upon the results of BBVA, market conditions, the regulatory framework, the recommendations or restrictions regarding dividends that may be adopted by domestic or European regulatory bodies or authorities and other factors. In particular, BBVA may not pay dividends except out of its annual results and its distributable reserves, after taking into account the applicable capital adequacy requirements and any recommendations on payment of dividends, and any other required authorization or restriction, if applicable. Capital adequacy requirements are applied on both a consolidated and individual basis. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212; Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution&#8221; and &#8220;Item 5. Operating and Financial Review and Prospects&#8212;Liquidity and Capital Resources&#8212;Capital</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Under applicable capital adequacy requirements, we estimate that as of December 31, 2022, BBVA had approximately &#8364;10.9 billion of reserves in excess of applicable capital and reserve requirements (based on a 12.76% phased-in total capital minimum requirement).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subject to the terms of the deposit agreement entered into with the Bank of New York Mellon, holders of ADSs are entitled to receive dividends (in cash or scrip, as applicable) attributable to the shares represented by the ADSs evidenced by ADRs to the same extent as if they were holders of such shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Cash Dividends</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The annual general shareholders&#8217; meeting held on April 20, 2021 approved a cash distribution of &#8364;0.059 (gross) per share from the share premium account, which was paid on April 29, 2021. On September 30, 2021 BBVA announced that its Board of Directors had approved the payment in cash of &#8364;0.08 per share, as a gross interim dividend against 2021 results, which was paid on October 12, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, the annual general shareholders&#8217; meeting held on March 18, 2022 approved a cash distribution from the voluntary reserves account as additional shareholder remuneration for the 2021 fiscal year in the amount of &#8364;0.23 gross per share, which was paid on April 8, 2022. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,463 million. Further, the Board of Directors communicated on September 29, 2022 that the Board of Directors had approved the payment in cash of &#8364;0.12 per share, as a gross interim dividend against 2022 results, which was paid on October 11, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Finally, on February 1, 2023, BBVA announced that it intended to submit for the consideration of the corresponding BBVA governing bodies a cash distribution of &#8364;0.31 gross per share to be paid in April 2023 as final dividend for 2022. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Share Buyback Programs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 26, 2021, BBVA received the required authorization from the ECB to repurchase up to 10% of its share capital in an amount of up to &#8364;3.5 billion, in one or more installments and for a maximum period of 12 months.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon receiving said authorization and making use of the delegation conferred by the BBVA general shareholders&#180; meeting held on March 16, 2018, at its meeting of October 28, 2021, BBVA Board of Directors resolved to carry out a share buyback program scheme in compliance with Regulation (EU) No 596/2014 of the European Parliament and of the Council of April 16, 2014 on market abuse and Delegated Regulation (EU) No 2016/1052 of the Commission, of March 8, 2016, to be executed in various tranches up to a maximum amount of &#8364;3.5 billion (US$4.0 billion, based on the exchange rate as of December 31, 2021) (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Program Scheme</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), with the purpose of reducing BBVA&#8217;s share capital, notwithstanding the possibility of terminating or cancelling the Program Scheme at an earlier date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Board of Directors agreed, within the scope of the Program Scheme, to carry out a first share buyback program to be executed externally through a lead manager, J.P. Morgan AG, for a maximum amount of &#8364;1,500 million (US$1,699 million, based on the exchange rate as of December 31, 2021) and a maximum number of 637,770,016 shares, representing, approximately, 9.6% of BBVA's share capital as of the date of the agreement (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">First Tranche</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The First Tranche was announced on October 29, 2021 and the appointment of J.P. Morgan AG was announced on November 19, 2021. The implementation of the First Tranche began on November 22, 2021 and was completed on March 3, 2022 upon reaching the maximum monetary amount of &#8364;1,500 million, having acquired 281,218,710 shares representing, approximately, 4.22% of BBVA's share capital as of that date. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">178</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 15, 2022, BBVA notified that it had partially executed the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#8364;0.49 par value each, acquired derivatively by the Bank in execution of the First Tranche.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 3, 2022, BBVA announced that its Board of Directors agreed, within the Program Scheme, to carry out a second buyback program (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Second Tranche</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) aimed at reducing BBVA&#8217;s share capital, for a maximum amount of &#8364;2,000 million (US$2,265 million, based on the exchange rate as of December 31, 2021) and a maximum number of shares to be acquired equal to the result of subtracting from 637,770,016 shares (9.6% of BBVA&#8217;s share capital at that date) the number of own shares finally acquired in execution of the First Tranche.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a continuation of the previous communication, on March 16, 2022, BBVA informed by means of an Inside Information filing with the CNMV that it had agreed to execute the Second Tranche: (i) through the execution of a first segment for an amount of up to &#8364;1,000 million, and a maximum of 356,551,306 shares (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">First Segment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), externally through Goldman Sachs International as lead manager, who would execute the purchase transactions through the broker Kepler Cheuvreux, S.A.; and (ii) once execution of the First Segment was completed, through the execution of a second and final segment (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Second Segment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By means of an Other Relevant Information filing with the CNMV dated May 16, 2022, BBVA announced the completion of the execution of the First Segment upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 206,554,498 shares representing, approximately, 3.1% of BBVA&#8217;s share capital as of said date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 28, 2022, BBVA communicated through an Inside Information filing with the CNMV that it would complete the Program Scheme by executing the Second Segment, for a maximum amount of &#8364;1,000 million and a maximum of 149,996,808 shares. The execution of the Second Segment carried out by Citigroup Global Markets Europe AG as lead manager, as BBVA informed through an Inside Information filing on June 29, 2022. By means of an Other Relevant Information filing dated August 19, 2022, BBVA announced the completion of the execution of the Second Segment upon reaching the maximum number of shares (149,996,808), representing, approximately, 2.3% of BBVA&#8217;s share capital as of said date. On September 30, 2022, BBVA notified that it had, again, partially executed the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Segment and Second Segment of the Second Tranche and which were held as treasury shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2023</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 1, 2023, BBVA announced that it intended to submit for the consideration of the corresponding BBVA governing bodies the execution of a share buyback program of BBVA for an amount of &#8364;422 million, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution (see Notes 4 and 56 to the Consolidated Financial Statements).</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_325"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Legal Proceedings</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA and its subsidiaries are involved in a number of legal and regulatory actions and proceedings, including legal claims and proceedings, civil and criminal regulatory proceedings, governmental investigations and proceedings, tax proceedings and other proceedings, in jurisdictions around the world. Legal and regulatory actions and proceedings are subject to many uncertainties, and their outcomes, including the timing thereof, the amount of fines or settlements or the form of any settlements, or changes in business practices we may need to introduce as a result thereof, any of which may be material, are often difficult to predict, particularly in the early stages of a particular legal or regulatory matter. See Note 24 to our Consolidated Financial Statements for information on the related provisions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date hereof, the Group is involved in a number of legal and regulatory actions and proceedings in various jurisdictions around the world (including, among others, Spain, Mexico and the United States), the adverse resolution of which may adversely impact the Group. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 3. Key Information&#8212;Risk Factors&#8212;Legal Risks&#8212;The Group is party to a number of legal and regulatory actions and proceedings&#8221;, &#8220;Item 3. Key Information&#8212;Risk Factors&#8212;Legal Risks&#8212;The Spanish judicial authorities are carrying out a criminal investigation relating to possible bribery, revelation of secrets and corruption by BBVA&#8221; and &#8220;Item 3. Key Information&#8212;Risk Factors&#8212;Regulatory, Tax, Compliance and Reporting Risks</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA can provide no assurance that the legal and regulatory actions and proceedings to which it is subject, or to which it may become subject in the future or otherwise affected by, will not, if resolved adversely, result in a material adverse effect on the Group&#8217;s business, financial position, results of operations or liquidity.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">179</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_328"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.      Significant Changes</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No significant change has occurred since the date of the Consolidated Financial Statements other than those mentioned in this Annual Report or our Consolidated Financial Statements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_331"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 9.       THE OFFER AND LISTING</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_334"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.     Offer and Listing Details</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA&#8217;s shares are traded on the stock markets of Madrid, Barcelona, Bilbao and Valencia through the Sistema de Interconexi&#243;n Burs&#225;til Espa&#241;ol (Mercado Continuo), as well as on the London and Mexico stock markets. BBVA&#8217;s ADSs are listed on the New York Stock Exchange and are also traded on the Lima (Peru) Stock Exchange, by virtue of an exchange agreement entered into between these two exchanges. Each ADS represents the right to receive one share. For information on BBVA&#8217;s shares and ADSs, see Note 26 to our Consolidated Financial Statements and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 7. Major Shareholders and Related Party Transactions&#8212;Major Shareholders</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fluctuations in the exchange rate between the euro and the dollar will affect the dollar equivalent of the euro price of BBVA&#8217;s shares on the Spanish Stock Exchanges and the price of BBVA&#8217;s ADSs on the New York Stock Exchange. Cash dividends are paid by BBVA in euro, and exchange rate fluctuations between the euro and the dollar will affect the dollar amounts received by holders of ADRs on conversion by The Bank of New York Mellon (acting as depositary) of cash dividends on the shares underlying the ADSs evidenced by such ADRs. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">From January 1, 2022 through December 31, 2022 the percentage of outstanding shares held by BBVA and its affiliates ranged between 0.078% and 7.492% (as a result of the implementation of the share buyback program), calculated on a daily basis. As of January 31, 2023, the percentage of outstanding shares held by BBVA and its affiliates was 0.143%.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_337"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Securities Trading in Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Spanish securities market for equity securities consists of the Spanish Stock Exchange Interconnection System (&#8220;Sistema de Interconexi&#243;n Burs&#225;til&#8221; or &#8220;SIBE&#8221; in Spanish, and hereinafter referred to as &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Automated Quotation System</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the four stock exchanges located in Madrid, Bilbao, Barcelona and Valencia. During 2022, the Automated Quotation System accounted for the majority of the total trading volume of equity securities on the Spanish Stock Exchanges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Automated Quotation System.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Automated Quotation System links the four local exchanges, providing those securities listed on it with a uniform continuous market that eliminates certain of the differences among the local exchanges. The principal feature of the system is the computerized matching of buy and sell orders at the time of entry of the order. Each order shall be deemed valid when it takes place and definitively confirmed with full obligatory enforceability as soon as a matching order is entered. Exceptionally, the order may be cancelled, altered or corrected with the consent of the contracting parties and provided always that the appropriate authorization has been granted by the Supervision Department or the Trading and Control Committee of Sociedad de Bolsas, S.A. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Sociedad de Bolsas</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The activity of the market can be continuously monitored by investors and brokers. The Automated Quotation System is operated and regulated by Sociedad de Bolsas, a corporation owned by the companies that manage the local exchanges. All trades on the Automated Quotation System must be placed through a bank, brokerage firm, an official stock broker or a dealer firm member of a Spanish Stock Exchange directly. Since January 1, 2000, Spanish banks have been allowed to place trades on the Automated Quotation System and have been allowed to become members of the Spanish Stock Exchanges. We are currently a member of the four Spanish Stock Exchanges and can trade through the Automated Quotation System.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Sociedad de Bolsas reinstated the Operating Rules of the Spanish Automated Quotation System by means of Sociedad de Bolsas Circular 1/2021, of March 17, which came into effect on March 30, 2021 with the aim of incorporating in a single regulatory text the rules governing trading in the Automated Quotation System, following their adaptation to the MiFID II standards and for the sake of greater clarity. BBVA, as an active market member in the Spanish market has adapted its technical means and procedures to such changes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The general trading hours are as follows: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">In a pre-opening auction held from 8:30 a.m. to 9:00 a.m. each trading day, an opening price is established for each security traded on the Automated Quotation System based on orders placed at that time. In this period of time orders can be entered, altered and cancelled but no trades can be executed. At the start of each session, the closing price of the previous session shall be taken as the reference price. There are static and dynamic price ranges for each listed share, calculated on the basis of the most recent historical volatility of each share, and made publicly available and updated on a regular basis by Sociedad de Bolsas. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">180</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The open session is from 9:00 a.m. to 5:30 p.m., when continuous trading is carried out. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:11.07pt">If, during the open session, the quoted price of a share exceeds the static or dynamic price ranges, volatility auctions are triggered, resulting in new static or dynamic price ranges being set for the share object of the same. A volatility auction will have a duration of five minutes and, during this period, orders can be entered, altered and cancelled but no trades can be made. Once the auction ends, the open session will restart. If a security&#8217;s volatility auction overlaps with the closing auction, the security will remain under auction with the conditions of the closing auction.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Between 5:30 p.m. and 5:35 p.m. a closing price of the session is established for each security through an auction system similar to the one held for the pre-opening early in the morning.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Exceptional trading hours: In the event of important news or events or particularly significant incidents arising during Automated Quotation System sessions, the usual duration of trading hours may exceptionally be altered in accordance with the provisions of the Operating Rules of the Spanish Automated Quotation System. The start of a session may also be brought forward for the same reasons. Such decision shall be properly announced and disseminated through the technical means of the Automated Quotation System as soon as possible.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain transactions may be executed in the Automated Quotation System outside the general trading hours between 5:40 p.m. and 8:00 p.m., such as block trades (consisting of previously agreed trades out of the order book, provided that they meet certain requirements) or trades related to the hedging or the execution of futures and options carried out in MEFF, the Spanish Derivatives Exchange.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information with respect to the computerized trades between 9:00 a.m. and 5:30 p.m. is made public immediately, and information with respect to trades outside the computerized matching system is reported to Sociedad de Bolsas by the end of the trading day and published in the &#8220;Bolet&#237;n de Cotizaci&#243;n&#8221; and in the computer system by the beginning of the next trading day.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Sociedad de Bolsas is also the manager of the IBEX 35&#174; Index. This index is made up by the 35 most liquid securities traded on the Spanish Market and, technically, it is a price index that is weighted by capitalization and adjusted according to the free float of each company comprised in the index. Apart from its quotation on the four Spanish Exchanges, BBVA is also currently included in the IBEX 35&#174; Index.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Clearing and Settlement System</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On April 1, 2003, by virtue of Law 44/2002 and of Order ECO 689/2003 of March 27, 2003 approved by the Spanish Ministry of Economy, the integration of the two main existing book-entry settlement systems existing in Spain at the time (the equity settlement system Servicio de Compensaci&#243;n y Liquidaci&#243;n de Valores (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SCLV</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the Public Debt settlement system Central de Anotaciones de Deuda del Estado (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CADE</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)) took place. As a result of this integration, a single entity, known as Sociedad de Gesti&#243;n de los Sistemas de Registro Compensaci&#243;n y Liquidaci&#243;n de Valores (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Iberclear</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) assumed the functions formerly performed by SCLV and CADE according to the legal regime then stated in article 44 bis of the Spanish Securities Market Act (Law 24/1988).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the above, rules concerning the book-entry settlement systems enacted before this date by SCLV and the Bank of Spain, as former manager of CADE, continued in force, but any reference to the SCLV or CADE was deemed to be substituted by Iberclear.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, and according to Law 41/1999, Iberclear currently manages the ARCO Securities settlement system (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ARCO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">System</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) for securities in book-entry form listed on the four Spanish Stock Exchanges, on the Spanish Public Debt Book-Entry Market, on &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">AIAF Mercado de Renta Fija</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, or on other Multilateral Trading Facilities that have appointed Iberclear for such purposes. Cash settlement for all systems is managed through the TARGET2-Banco de Espa&#241;a payment system.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Laws 32/2011 and 11/2015 amended the Spanish Securities Market Act and Royal Decree 878/2015 replaced Royal Decree 116/1992 from February 3, 2016, introducing changes to the Spanish clearing, settlement and book-entry registry procedures applicable to securities transactions to allow post-trading Spanish systems to integrate into the TARGET2 Securities System (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">T2S</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The project to reform Spain&#8217;s clearing, settlement and registry system and connect it to the T2S (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reform</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) introduced significant changes that affected all classes of securities and all post-trade activities.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">181</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Reform was implemented in two phases:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The first phase took place from April 27, 2016 and involved setting up a new system for equities including all the changes envisaged in the Reform, encompassing the incorporation of central counterparty clearing (performed by, among others, BME Clearing, S.A.U.) in a post-trading scheme compatible with the T2S (including with respect to messages, account structure, definition of operations, etc.). Accordingly, the SCLV (Servicio de Compensaci&#243;n y Liquidaci&#243;n de Valores) platform was discontinued.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The T+3 settlement cycle for trades executed in trading venues, affecting mainly equities, was reduced to T+2 from October 2016, in line with what is set forth in European Regulation 909/2014, of July 23 on improving securities settlement in the European Union and on Central Securities Depositories (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CSDR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CADE platform continued to operate unchanged until the last quarter of 2017, and cash settlements in the new system continue to be made through the TARGET2-Bank of Spain cash accounts.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The second phase started on September 18, 2017, when Iberclear successfully connected itself to T2S. At this time, fixed-income securities were transferred to the new system (being the CADE discontinued), as well as equity securities, with both types of securities beginning to be also settled in accordance with the procedures, formats and time periods of the T2S and under the ARCO System. The Reform culminated with the successful migration to T2S.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The latest amendments to Iberclear&#8217;s Rulebook reflecting the Reform were officially published in the Spanish Official Gazette on May 3 and August 18, 2016 and September 14, 2017. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the last quarter of 2017, Iberclear filed for authorization as Central Securities Depository pursuant to CSDR. On September 23, 2019, Iberclear made public that it had been granted the authorization to continue providing services as a Central Securities Depositary.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under Law 41/1999 and Royal Decree 878/2015 (which replaced Royal Decree 116/1992 on February 3, 2016), transactions carried out on the Spanish Stock Exchanges are cleared and settled through Iberclear and its participants (each an &#8220;entidad participante&#8221;), through the ARCO System. Only Iberclear participants to this ARCO System are entitled to use it, with participation restricted to credit entities, investment firms authorized to render custody services, certain public bodies, and Central Securities Depositories and Central Counterparties authorized under their respective European Union Regulations. BBVA is currently a participant in Iberclear. Iberclear and its participants are responsible for maintaining records of purchases and sales under the book-entry system. In order to be listed, shares of Spanish companies must be held in book-entry form. Iberclear, maintains a &#8220;two-step&#8221; book-entry registry reflecting the number of shares held by each of its participants as well as the amount of such shares held on behalf of beneficial owners. Each participant, in turn, maintains a registry of the owners of such shares. Spanish law considers the legal owner of the shares to be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the participant appearing in the records of Iberclear as holding the relevant shares in its own name, or</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the investor appearing in the records of the participant as holding the shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Obtaining legal title to shares of a company listed on a Spanish Stock Exchange requires the participation of an investment firm, bank or other entity authorized under Spanish law to record the transfer of shares in book-entry form in its capacity as Iberclear participant for the equity securities settlement system. To evidence title to shares, at the owner&#8217;s request the relevant participant entity must issue a certificate of ownership. In the event the owner is a participant entity, Iberclear is in charge of the issuance of the certificate with respect to the shares held in the participant entity&#8217;s own name.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Brokers&#8217; fees, to the extent charged, will apply upon transfer of title of our shares from the depositary to a holder of ADSs, and upon any later sale of such shares by such holder. Transfers of ADSs do not require the participation of a member of a Spanish Stock Exchange. The deposit agreement provides that holders depositing our shares with the depositary in exchange for ADSs or withdrawing our shares in exchange for ADSs will pay the fees of the official stockbroker or other person or entity authorized under Spanish law applicable both to such holder and to the depositary.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">182</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Securities Market Legislation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Securities Markets Act was enacted in 1988 with the purpose of reforming the organization and supervision of the Spanish securities markets. This legislation and the regulation implementing it:</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">established an independent regulatory authority, the CNMV, to supervise the securities markets;</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">established a framework for the regulation of trading practices, tender offers and insider trading;</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">required stock exchange members to be corporate entities;</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">required companies listed on a Spanish Stock Exchange to file annual audited financial statements and to make public quarterly financial information;</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">established the legal framework for the Automated Quotation System;</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">exempted the sale of securities from transfer and value added taxes;</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">deregulated brokerage commissions; and</span></div><div style="margin-bottom:7pt;margin-top:7pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">provided for transfer of shares by book-entry or by delivery of evidence of title.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 14, 1992, Royal Decree No. 116/92 established the clearance and settlement system and the book-entry system, and required that all companies listed on a Spanish Stock Exchange adopt the book-entry system. On February 3, 2016 Royal Decree 878/2015 came into force and replaced Royal Decree 116/1992 (Royal Decree 827/2017, of September 1 and Royal Decree 1464/2018, of December 21, amended Royal Decree 878/2015 by reflecting certain aspects of the Reform and of MiFID II).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On April 12, 2007, the Spanish Congress approved Law 6/2007, which amends the Securities Markets Act in order to adapt it to Directive 2004/25/EC on takeover bids, and Directive 2004/109/EC on the harmonization of transparency requirements in relation to information about issuers whose securities are admitted to trading on a regulated market (amending Directive 2001/34/EC). Regarding the transparency of listed companies, Law 6/2007 amended the reporting requirements and the disclosure regime, and established changes in the supervision system. On the takeover bids side, Law 6/2007 has established the cases in which a company must launch a takeover bid and the ownership thresholds at which a takeover bid must be launched. It also regulates conduct rules for the board of directors of target companies and the squeeze-out and sell-out when a 90% of the share capital is held after a takeover bid. Additionally, Law 6/2007 was further developed by Royal Decree 1362/2007, on transparency requirements for issuers of listed securities, which was subsequently amended. See &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Trading by the Bank and its Affiliates in the Shares</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 19, 2007, the Spanish Congress approved Law 47/2007, which amends the Securities Markets Act in order to adapt it to Directive 2004/37/EC on markets in financial instruments (MiFID), Directive 2006/49/EC on the capital adequacy of investment firms and credit institutions, and Directive 2006/73/EC implementing Directive 2004/39/EC with respect to organizational requirements and operating conditions for investment firms and defined terms for the purposes of that Directive. Further MiFID implementation was introduced by Royal Decree 217/2008. Royal Decree 217/2008 has been amended from time to time, including in 2018 by Royal Decree 1464/2018, of December 21, in order to adapt it to the MiFID II rules that became effective on January 3, 2018.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Regulation of the European Parliament and of the Council on short selling and certain aspects of credit default swaps (EU) No 236/2012 (Regulation) has been in force since March 25, 2012 and became directly effective in EU countries from November 1, 2012. This Regulation introduced a pan-European regulatory framework for dealing with short selling and requires persons to disclose short positions in relation to shares of EU listed companies and EU sovereign debt. For significant net short positions in shares of EU listed companies, these regulations create a two-tier reporting model: (i) when a net short position reaches 0.20% of an issuer&#8217;s share capital (and at every 0.1% thereafter), such position must be privately reported to the relevant regulator; and (ii) when such position reaches 0.50% (and at every 0.1% thereafter) of an issuer&#8217;s share capital, apart from being disclosed to the regulators, such position must be publicly reported to the market.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In response to COVID-19, on March 16, 2020 ESMA lowered the aforementioned threshold from 0.2% to 0.1%, requiring net short position holders to report positions of 0.1% and above. This measure was renewed on September 18, 2020 and on December 17, 2020 until March 19, 2021. The European Commission adopted the decision to permanently lower the threshold from 0.2% to 0.1% on September 27, 2021, which decision was published in the Official Journal on January 11, 2022. Additionally, in line with other European supervisors, on March 16, 2020, the CNMV banned net short positions in shares admitted to trading to Spanish trading venues for which the CNMV is the competent authority as well as to all related instruments relevant for the calculation of the net short position. The CNMV ban became ineffective on May 18, 2020.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">183</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Prospectus Regulation (EU) 2017/1129 of the European Parliament and of the Council, of October 14, which became effective on July 21, 2019, aims to achieve greater harmonization of prospectus rules throughout the European Union. Such rules are applicable to issuers which offer debt or equity securities to the public or which seek admission to trading on a regulated market in the EU.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Directive 2014/65/EU of the European Parliament and of the Council of May 15, 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU (MiFID II) and Regulation (EU) 600/2014 of the European Parliament and Council of May 15, 2014 on markets in financial instruments and amending Regulation (EU) 648/2012 (MiFIR), were published on June 12, 2014 and became applicable on January 3, 2018, affecting the Spanish securities market legislation, markets and infrastructures and implying higher compliance costs for financial institutions. MiFID II has been implemented into Spanish Law by Royal Decree-Law 21/2017, of December 29, by Royal Decree-Law 14/2018, of September 28, and by Royal Decree 1464/2018, of December 21.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Royal Legislative Decree 4/2015, of October 23, approved the reinstated text of the Securities Markets Act, which has been affected and amended, among others, by the aforementioned MiFID II implementation rules.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On April 12, 2021, Law 5/2021, implementing Directive (EU) 2017/828 of the European Parliament and of the Council of May 17, 2017, as regards the encouragement of long-term shareholder engagement was published, amending the Corporate Enterprises Act. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 23, 2022, the Official Bulletin of the Spanish Parliament published the draft bill of the new reinstated text of the Securities Market Act, which is currently in final discussion and voting stage in the Spanish Senate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Trading by the Bank and its Affiliates in the Shares</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Trading by subsidiaries in their parent companies shares is restricted by the Corporate Enterprises Act.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Neither BBVA nor its affiliates may purchase BBVA&#8217;s shares unless the making of such purchases is authorized at a meeting of BBVA&#8217;s shareholders by means of a resolution establishing, among other matters, the maximum number of shares to be acquired and the authorization term, which cannot exceed five years. Restricted reserves equal to the purchase price of any shares that are purchased by BBVA or its subsidiaries must be made by the purchasing entity. The total number of shares held by BBVA and its subsidiaries may not exceed 10% of BBVA&#8217;s total share capital, as per the treasury stock limits set forth in the Corporate Enterprises Act. It is the practice of Spanish banking groups, including the BBVA Group, to establish subsidiaries to trade in their parent company&#8217;s shares in order to meet imbalances of supply and demand, to provide liquidity (especially for trades by their customers) and to modulate swings in the market price of their parent company&#8217;s shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon receiving the required authorization from the ECB to repurchase up to 10% of its share capital in an amount of up to &#8364;3.5 billion, in one or more installments and for a maximum period of 12 months on October 28, 2021, the Board approved a buyback scheme for a maximum amount of &#8364;3.5 billion that was executed in two tranches.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, on February 1, 2023, BBVA announced that it intended to submit for the consideration of the corresponding BBVA governing bodies the execution of a share buyback program of BBVA for an amount of &#8364;422 million, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution. For additional information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Item 8. Financial Information&#8212;Consolidated Statements and Other Financial Information&#8212;Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Spanish Financial Transaction Tax Bill</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Financial Transaction Tax (FTT) was enacted by means of Law 5/2020, of October 15, 2020 and became effective on January 16, 2021. The Spanish FTT is a new indirect tax, amounting to 0.2%, to be charged on acquisitions of shares in Spanish companies, regardless of the tax residence of the participants in such transactions, provided that such companies are listed and their respective market capitalization is above &#8364;1,000 million. Accordingly, any purchaser of BBVA&#8217;s shares not falling under an exemption will be subject to the Spanish FTT. The FTT law was further developed by Royal Decree 366/2021 and Ministerial Order HAC/510/2021.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">184</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reporting Requirements</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Royal Decree 1362/2007, as amended, requires that any person or entity which acquires or transfers shares and as a consequence the number of voting rights held exceeds, reaches or is below the thresholds of 3%, 5%, 10%, 15%, 20%, 25%, 30%, 35%, 40%, 45%, 50%, 60%, 70%, 75%, 80% and 90% of the capital stock of a company listed on a Spanish Stock Exchange must, within four stock exchange business days after that acquisition or transfer, report it to such company, and to the CNMV. This duty to report the holding of a significant stake is applicable not only to the acquisitions and transfers in the terms described above, but also to those cases in which in the absence of an acquisition or transfer of shares, the ratio of an individual&#8217;s voting rights exceeds, reaches or is below the thresholds that trigger the duty to report, as a consequence of an alteration in the total number of voting rights of an issuer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, any company listed on a Spanish Stock Exchange must report on a non-public basis to the CNMV, within four Stock Exchange business days, any acquisition by such company (or an affiliate) of the company&#8217;s own shares if such acquisition, together with any previous one from the date of the last communication, exceeds 1% of its capital stock, regardless of the balance retained. Members of the board of directors must report the ratio of voting rights held at the time of their appointment as members of the board, when they are ceased as members, and each time they transfer or acquire share capital of a company listed on the Spanish Stock Exchanges, regardless of the size of the transaction. Additionally, since we are a credit entity, any individual or company who intends to acquire a significant participation in BBVA&#8217;s share capital must obtain prior approval from the Bank of Spain in order to carry out the transaction. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 10. Additional Information&#8212;Exchange Controls&#8212;Restrictions on Acquisitions of Shares</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Royal Decree 1362/2007 also establishes reporting requirements in connection with any entity acting from a tax haven or a country where no securities regulatory commission exists, in which case the threshold of three percent is reduced to one percent.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Royal Decree 1362/2007 was amended in 2015 in order to, among other matters, include some changes to the reporting requirements applicable to major shareholdings. In particular, cash settled instruments creating long positions on underlying listed shares shall be disclosed if the specified shareholding threshold is reached or exceeded; cash holdings and holdings as a result of financial instruments shall be aggregated for disclosure purposes and a disclosure exemption for shareholding positions held by financial entities in their trading books is available.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulation (EU) No 596/2014 of the European Parliament and of the Council of April 16, 2014 on market abuse (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MAR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and its implementing regulations entered into force on July 3, 2016, involving a number of changes for BBVA as a listed issuer, including in relation to areas such as disclosure of inside information to the market, maintenance of insider lists and disclosure of restrictions on dealings by directors and persons discharging managerial responsibilities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Through Royal Decree-Law 19/2018 of November 23, on payment services and other urgent financial measures, the consolidated text of the Securities Market Act was adapted to the European MAR framework, including the following changes:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Spanish legislator opted for certain solutions among those permitted by the European MAR framework in certain specific cases;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">several amendments were introduced in the sanctioning regime on market abuse (inside information and market manipulation); and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">some special provisions applicable to listed companies in this area which were not compatible with this European regulatory framework or not consistent with the objective of MAR of achieving full harmonization throughout the European Union were expressly repealed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Organic Law 1/2019, of February 20, modifies, among other laws and regulations, the Spanish Criminal Code in order to implement in Spain Directive 2014/57/UE regarding applicable criminal sanctions related to market abuse, complementing the MAR framework.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Banks are required to inform the Bank of Spain of any acquisitions or disposals of holdings in their capital that cross any of the levels indicated in Articles 16 (at least 10% of the capital or of the voting rights of the credit institution), 17 (either the percentage of voting rights or capital held is equal to or greater than 20%, 30% or 50%, or the acquisition entails acquiring control of the credit institution) and 21 (the percentage of voting rights or of capital held falls below 20%, 30% or 50% or the disposal entails the loss of control of the credit institution) of Law 10/2014, of June 26, 2014.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">185</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_340"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Tax Requirements</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to Law 10/2014, an issuer&#8217;s parent company (credit entity or listed company) is required, on an annual basis, to provide the Spanish tax authorities with the following: (i) disclosure of information regarding those investors with Spanish Tax residency obtaining income from securities and (ii) the amount of income obtained by them in each period.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_343"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.      Plan of distribution</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_346"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.      Markets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 9. The Offer and Listing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_349"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D.      Selling Shareholders</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_352"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">E.      Dilution</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_355"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">F.      Expenses of the Issue</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">186</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_358"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 10.      ADDITIONAL INFORMATION</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_361"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.   Share Capital </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_364"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.   Memorandum and Articles of Association</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Spanish law and BBVA&#8217;s Bylaws are the main sources of regulation affecting the Company. All rights and obligations of BBVA&#8217;s shareholders are contained in BBVA&#8217;s Bylaws and in Spanish law. Pursuant to Royal Decree 84/2015 of February 13, implementing Law 10/2014, amendments of the bylaws of a bank are subject to notice or prior authorization of the Bank of Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Registry and Company&#8217;s Objects and Purposes</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BBVA is registered with the Commercial Registry of Bizkaia (Spain). Its registration number at the Commercial Registry of Bizkaia is volume 2,083, Company section folio 1, sheet BI-17-A, 1st entry. Its corporate purpose is to carry out all kinds of activities, operations, acts, contracts and services within the banking business or directly or indirectly related to it, which are permitted or not prohibited by the provisions in force and supplementary activities. Its corporate purpose also includes the acquisition, possession, use and disposal of securities, public offering of acquisition and sale of securities, as well as all types of holdings in any entity or company. BBVA&#8217;s corporate purpose is contained in Article 3 of BBVA&#8217;s Bylaws.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Certain Powers of the Board of Directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In general, provisions regarding directors are contained in our Bylaws. Also, our Board of Directors Regulations govern the internal procedures and the operation of the Board of Directors and its committees and directors&#8217; rights and duties as described in their charter. The referred Board of Directors Regulations establishes that directors must refrain from participating in deliberations and votes on resolutions or decisions in which they or a related party may have a direct or indirect conflict of interest, unless these are decisions relating to the appointment or removal of positions of the management body. Directors are not required to hold shares of BBVA in order to be appointed as such. As regards compensation in shares for executive directors, please see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 6. Directors, Senior Management and Employees&#8212;Compensation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Lastly, the Board of Directors Regulations contain a series of ethical standards. For more information please see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 6. Directors, Senior Management and Employees</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Certain Provisions Regarding Privileged Shares</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Bylaws authorize us to issue ordinary, non-voting, redeemable and privileged shares. As of the date of this Annual Report, we have no non-voting, redeemable or privileged shares outstanding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company may issue shares that confer some privilege over ordinary shares under the legally established terms and conditions, complying with the formalities prescribed for amending our Bylaws.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company may issue shares that are redeemable at the request of the issuing company, the holders of said shares or both, for a nominal amount not exceeding one quarter of the share capital. The resolution of the issue will set the conditions for the exercise of the right or redemption. If the aforementioned right is attributed exclusively to the issuing company, it may not be exercised within three years of the issuance. Redeemable shares must be fully paid up at the time of subscription. Redemption of redeemable shares must be charged to profits or free reserves or with the proceeds of a new share issue resolved by the general shareholders&#8217; meeting or, where appropriate, the Board of Directors, for the purpose of financing the redemption transaction. If the redemption of these shares is charged to profits or free reserves, the Company must constitute a reserve for the amount of the nominal value of the redeemed shares. If the redemption is not charged to profits or free reserves or with the issue of new shares, it may only be carried out under the requirements established for the reduction of the share capital by the refund of contributions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Holders of non-voting shares, if issued, are entitled to receive a minimum annual dividend, fixed or variable, as resolved by the general shareholders&#8217; meeting and/or the Board of Directors at the time of deciding to issue the shares. Once the minimum dividend has been agreed, holders of non-voting shares will be entitled to the same dividend as corresponds to ordinary shares. Where there are distributable profits, the Company is required to agree the distribution of the aforementioned minimum divided. If there are no distributable profits or insufficient amounts thereof, the unpaid part of the minimum dividend will or not be accumulated in the terms agreed upon by the general shareholders&#8217; meeting at the time of deciding to issue the shares. Holders of non-voting shares may exercise their pre-emptive subscription right in the event that this be resolved by the general shareholders&#8217; meeting and/or the Board of Directors at the time of issuing shares or convertible bonds. Recovery of voting rights must be resolved at the same time. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">187</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Certain Provisions Regarding Shareholders Rights</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of the filing of this Annual Report, our capital is comprised of one class of ordinary shares, all of which have the same rights.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Once the allocation requirements established by law and in our Bylaws have been covered, dividends may be paid out to shareholders and charged to the year&#8217;s profit or to unrestricted reserves, in proportion to the capital they may have paid up, provided the value of the total net assets is not, or as a result of such distribution would not be, less than the share capital. In addition, BBVA must take into account any applicable capital adequacy requirements and any recommendations on payment of dividends, and any other required authorization or restriction that may be applicable. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Dividends&#8221; and &#8220;Item 8. Financial Information&#8212;Consolidated Statements and Other Financial Information&#8212;Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Shareholders will participate in the distribution of profit in proportion to their capital paid-up. The right to collect a dividend lapses after five years as of the date in which it was first available to the shareholders. Shareholders also have the right to participate in proportion to their capital paid-up in any distribution of net assets resulting from our liquidation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each voting share will confer the right to one vote on the holder present or represented at the general shareholders&#8217; meeting. However, unpaid shares with respect to which a shareholder is in default of the resolutions of the Board of Directors relating to their payment will not be entitled to vote. Our Bylaws contain no provisions regarding cumulative voting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Bylaws do not contain any provisions relating to sinking funds or potential liability of shareholders to further capital calls by us.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Bylaws do not establish that special quorums are required to change the rights of shareholders. Under Spanish law, the rights of shareholders may only be changed by an amendment to the Bylaws that complies with the requirements explained below under &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Shareholders&#8217; Meetings</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, plus the affirmative vote of the majority of the shares of the class that will be affected by the amendment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Shareholders&#8217; Meetings</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The annual general shareholders&#8217; meeting has its own set of regulations on issues such as how it operates and what rights shareholders enjoy regarding general shareholders&#8217; meetings. These establish the possibility of voting or delegating votes over remote communication media.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General shareholders&#8217; meeting may be annual or extraordinary. The annual general shareholders&#8217; meeting is required to meet within the first six months of each financial year to, where appropriate, approve corporate management, as well as the financial statements for the previous financial year and decide on the allocation of results, without prejudice to the fact that it may also adopt resolutions on any other matter within its remit included in the agenda or allowed by law. Extraordinary general shareholders&#8217; meetings are those meetings that are not ordinary. In any case, the requirements mentioned below for constitution and adoption of resolutions are applicable to both categories of general shareholders&#8217; meetings.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General shareholders&#8217; meetings will be called at the initiative of and according to the agenda determined by the Board of Directors, which must necessarily call them whenever it deems necessary or advisable for the corporate interests, and in any case on the dates or periods determined by law and the Company Bylaws, or upon the request of one or more shareholders representing at least three percent of our share capital.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our General Meeting Regulations establish that annual and extraordinary general shareholders&#8217; meetings must be called within the notice period required by law. This will be done by means of a notice published by the Board of Directors, or its proxy, in the Official Gazette of the Commercial Registry (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BORME</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) or one of the highest-readership daily newspapers in Spain, and will be published on the National Securities Market Commission (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CNMV</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) website and the Company website, except when legal provisions establish other media for disseminating the notice.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The general shareholders&#8217; meetings may be attended by shareholders who own the minimum number of shares established in our Bylaws (500), provided that these shares are recorded in the corresponding accounting register five days before the scheduled date of the general shareholders&#8217; meeting and that, at least, the same number of shares are retained until the general shareholders&#8217; meeting is held. Holders of fewer shares may group together to make up at least that number and appointing a representative.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">188</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General shareholders&#8217; meetings, both annual and extraordinary, will be validly constituted at first summons with the presence of at least 25% of our voting capital, either in person or by proxy. No minimum quorum is required to hold a general shareholders&#8217; meeting at second summons. In either case, resolutions will be agreed by the majority of the votes. However, a general shareholders&#8217; meeting will only be validly held with the presence of 50% of our voting capital at first summons or of 25% of the voting capital at second summons, in the case of resolutions concerning the following matters:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">debt issuances;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">share capital increases or decreases;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the exclusion or limitation of the pre-emptive subscription rights over new shares;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">transformation, merger of BBVA or spin-off and global assignment of assets and liabilities;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the off-shoring of domicile, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">any other amendment to the Bylaws.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In these cases, resolutions may only be approved with the vote of the absolute majority of the shares if at least 50% of the voting capital is present or represented at the general shareholders&#8217; meeting. If the voting capital present or represented at the meeting at second summons is less than 50% (but over 25%), then resolutions may only be adopted by two-thirds of the shares present or represented.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, our Bylaws state that, in order to adopt resolutions approving the replacement of the corporate purpose, the transformation, total spin-off, the winding up of BBVA and amending that paragraph of the relevant article of our Bylaws, two-thirds of the subscribed voting capital must attend the general shareholders&#8217; meeting at first summons, or 60% of that capital at second summons.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_367"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Restrictions on the Ownership of Shares</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Bylaws do not provide for any restrictions on the ownership of our ordinary shares. Spanish law, however, provides for certain restrictions which are described below under &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Exchange Controls&#8212;Restrictions on Acquisitions of Shares</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Restrictions on Foreign Investments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Restrictions on Foreign Investments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Exchange controls and foreign investments are regulated under Law 19/2003, of July 4 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Law 19/2003</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), as amended pursuant to Royal Decree-Law 8/2020, of March 17, Royal Decree-Law 11/2020, of March 31 and Royal Decree-Law 34/2020, of November 17. Foreign investments are generally liberalized unless they fall within the scope of article 7 bis of Law 19/2003, enacted in March 2020, Sole Transitional Provision of Royal Decree-Law 34/2020, of November 17, or&#8212;only with respect to investments in the defense sector&#8212;article 11 of Royal Decree 664/1999, of April 23.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Article 7 bis of Law 19/2003 establishes a screening mechanism for certain investments made by non-EU and non-EFTA residents (&#8220;foreign investors&#8221;), based on public order, public health and public security reasons (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Screening Mechanism</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The Screening Mechanism aligns part of the Spanish foreign investment legal framework with Regulation (EU) 2019/452 of March 19, 2019 establishing a framework for the screening of foreign direct investments into the European Union. Certain provisions of Regulation (EU) 2019/452&#8212;such as the list of sectors affecting public order and public security or the definition of state-owned enterprises and other similar investors&#8212;are mirrored in the regulations establishing the Screening Mechanism. </span></div><div style="text-align:justify;text-indent:21.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, and according to Sole Transitional Provision of Royal Decree-Law 34/2020, of November 17 (as amended first by article 4 of Royal Decree-Law 27/2021, of November 23, and ultimately by article 62 of Royal Decree-Law 20/2022, of December 27), effective November 19, 2020 and until December 31, 2024, the following persons will also be deemed to be foreign investors, provided they invest in listed companies or the investment value exceeds 500 million euros&#8212;for investments in private &#8211; non listed &#8211; companies:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">EU and EFTA residents in countries other than Spain, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Spanish residents beneficially owned by EU or EFTA residents in countries other than Spain, that is, those in which a EU or EFTA resident other than in Spain ultimately owns or controls more than 25% of the share capital or voting rights of, or otherwise exercises control over, the Spanish resident.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">189</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Foreign direct investments (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FDI</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">investments that result in a foreign investor reaching a stake of at least 10% of the share capital of a Spanish company; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">any corporate transaction, business action or legal transaction which enables effective participation in the management or control of a Spanish company.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not all foreign direct investments are subject to the Screening Mechanism. Investors are subject to the Screening Mechanism only if they qualify as FDI and the investment is made in one of the critical sectors mentioned in article 7 bis of Law 19/2003, is made pursuant to what is foreseen in Sole Transitional Provision of Royal Decree-Law 34/2020, of November 17, or&#8212;only where the investor is a Non-UE or non-EFTA investor&#8212;by investors that meet certain subjective criteria regardless of the business of the target.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Foreign direct investments by the following &#8220;foreign investors&#8221; are also subject to the Screening Mechanism, regardless of the business of the target: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Investors directly or indirectly controlled by the government, including state bodies or armed forces, of a non EU/EFTA country. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Investors that have already made an investment affecting national security, public order or public health in another EU Member State, including an investment in any of the above-mentioned sectors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Investors subject to ongoing judicial or administrative proceedings for engaging in illegal or criminal activities. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Foreign direct investments by the following non-EU and non-EFTA investors are also subject to the Screening Mechanism, regardless of the business of the target:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Investors directly or indirectly controlled by a non-EU and non-EFTA government, including state bodies, armed forces or sovereign wealth funds; the possibility of exercising decisive influence as a result of an agreement or through the ownership of shares or interests in another person (directly or indirectly) is deemed to constitute &#8220;control&#8221; for these purposes. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Investors that have already made an investment affecting national security, public order or public health in another EU Member State, including an investment in any of the above-mentioned sectors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">If there is a serious risk that the investor engages in illegal or criminal activities affecting national security, public order or public health in Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Foreign direct investments described above shall be subject to prior administrative authorization granted by the relevant Spanish Authority, in accordance with the administrative conditions established.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the above, pursuant to Council Regulation (EU) 2022/318 of February 25, 2022, it shall be prohibited to sell euro denominated transferable securities issued after April 12, 2022 or units in collective investment undertakings providing exposure to such securities, to any Russian national or natural person residing in Russia or any legal person, entity or body established in Russia. This restriction shall not apply to nationals of a Member State or natural persons having a temporary or permanent residence permit in a Member State.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_370"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.       Material Contracts</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sale of BBVA USA to The PNC Financial Services Group</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2020, Banco Bilbao Vizcaya Argentaria, S.A. entered into a Stock Purchase Agreement (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Stock Purchase Agreement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) with The PNC Financial Services Group, Inc. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PNC</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) for the sale of 100% of the issued and outstanding shares of its subsidiary BBVA USA Bancshares, Inc., a financial holding company (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA USA Holdco</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) conducting its business operations primarily through its U.S. banking subsidiary, BBVA USA, an Alabama-chartered bank (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BBVA USA Bank</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) as well as through other companies of the BBVA group in the United States with activities related to this banking business. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 1, 2021, after obtaining the relevant regulatory authorizations from the competent authorities, BBVA completed the USA Sale. The consideration received in cash by BBVA as a consequence of the USA Sale amounted to approximately $11.5 billion (the price provided in the Stock Purchase Agreement minus the agreed closing price adjustments).  </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">190</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.85pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following businesses of BBVA in the United States were not included within the scope of the USA Sale: BBVA Securities, Inc. (except for its retail brokerage business, which was acquired by PNC), Propel Venture Partners US Fund I, L.P. and BBVA Processing Services, Inc. In addition, BBVA continues to develop a wholesale business in the United States through its New York branch.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Stock Purchase Agreement, BBVA agreed to take or refrain from taking certain actions, including, among others, not to (subject to certain exceptions) (i) engage in a retail banking business in the U.S. for two years following the closing of the USA Sale (i.e., June 1, 2021), or (ii) solicit or hire any employees of BBVA USA Holdco or its subsidiaries, including BBVA USA Bank, for one year following the closing of the USA Sale.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Stock Purchase Agreement, PNC agreed to take or refrain from taking certain actions, including, among others, subject to certain exceptions contained in the Stock Purchase Agreement, not to solicit or hire any BBVA employees retained by BBVA for one year following the closing of the USA Sale.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Stock Purchase Agreement contains customary representations and warranties of BBVA and PNC. The Stock Purchase Agreement also contains certain indemnification obligations of each party with respect to breaches of representations, warranties and covenants and certain other specified matters.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The foregoing description of the USA Sale and the Stock Purchase Agreement does not purport to be complete and is qualified in its entirety by reference to the Stock Purchase Agreement, which is filed as Exhibit 10.1 hereto, and is incorporated into this report by reference. The Stock Purchase Agreement and the above description of the Stock Purchase Agreement have been included to provide investors and security holders with information regarding the terms of the Stock Purchase Agreement. It is not intended to provide any other factual information about BBVA, PNC or their respective subsidiaries and affiliates. The Stock Purchase Agreement contains representations and warranties of each of BBVA, on the one hand, and PNC, on the other hand, made solely for the benefit of the other. The assertions embodied in those representations and warranties are qualified by information in confidential disclosure schedules that the parties have exchanged in connection with signing the Stock Purchase Agreement. The disclosure schedules contain information that modifies, qualifies and creates exceptions to the representations and warranties set forth in the Stock Purchase Agreement. In addition, such representations and warranties may apply standards of materiality in a way that is different from what may be viewed as material by security holders of, or other investors in, BBVA or PNC. Moreover, the representations and warranties in the Stock Purchase Agreement were used for the purpose of allocating risk between BBVA, on the one hand, and PNC, on the other hand, and not necessarily for establishing matters as fact, and information concerning the subject matter of the representations, warranties and covenants may change after the date of the Stock Purchase Agreement, which subsequent information may or may not be fully reflected in the parties&#8217; public disclosures. Security holders and investors are not third-party beneficiaries under the Stock Purchase Agreement. Accordingly, you should read the representations and warranties in the Stock Purchase Agreement not in isolation but only in conjunction with the other information about BBVA and PNC, or any of their respective subsidiaries or affiliates.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_373"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D.   Exchange Controls</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 1991, Spain adopted the EU Standards for free movement of capital and services. As a result, foreign investors may transfer invested capital, capital gains and dividends out of Spain without limitation as to amount, subject to applicable taxes. See &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Taxation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to Royal Decree 664/1999, of April 23, on the Applicable rules to Foreign Investments, foreign investors may freely invest in shares of Spanish companies except in the case they fall within the scope of article 7 bis of Law 19/2003, enacted in March 2020, Sole Transitional Provision of Royal Decree-Law 34/2020, of November 17 (as amended by article 62 of Royal Decree-Law 20/2022, of December 27), or&#8212;only with respect to investments in the defense sector&#8212;article 11 of Royal Decree 664/1999, of April 23. For information on certain additional regulation applicable to foreign direct investments, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Memorandum and Articles of Association&#8212;Restrictions on Foreign Investments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. Likewise, Royal Decree 664/1999, of April 23, and Law 19/2003, on exchange controls and foreign transactions, require notification of all foreign investments in Spain and liquidations of such investments upon completion of such investments to the Investments Registry of the Ministry of Economy Affairs and Digital Transformation for administrative statistical and economical purposes. Shares in listed Spanish companies acquired or held by foreign investors must be reported to the Spanish Registry of Foreign Investments by the depositary bank or relevant Iberclear member. When a foreign investor acquires shares that are subject to the reporting requirements of the CNMV regarding significant stakes, notice must be given directly by the foreign investor to the relevant authorities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, investments by foreigners domiciled in enumerated tax haven jurisdictions, under Royal Decree 1080/1991, are subject to special reporting requirements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For information on certain additional regulation applicable to foreign direct investments, see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Memorandum and Articles of Association&#8212;Restrictions on Foreign Investments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">191</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restrictions on Acquisitions of Shares</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to Spanish Law 10/2014, any individual or corporation, acting alone or in concert with others, intending to directly or indirectly acquire a significant holding in a Spanish financial institution (as defined in article 16 of the aforementioned Law 10/2014) or to directly or indirectly increase its holding in one in such a way that either the percentage of voting rights or of capital owned were equal to or exceed 20%, 30% or 50%, or by virtue of the acquisition, might take control over the financial institution, must first notify the Bank of Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the purpose of this Law, a significant participation is considered 10% of the outstanding share capital of a financial institution or a lower percentage if such holding allows for the exercise of a significant influence.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank of Spain will be responsible for evaluating the proposed transaction, in accordance with the terms established by Royal Decree 84/2015, of February 13 (as stated in Article 25.1 of said Royal Decree 84/2015) in order to guarantee the sound and prudent operation on the target financial institution. The Bank of Spain will submit a proposition before the European Central Bank, which will be in charge of deciding upon the proposed transaction in the term of 60 working days after the date on which the notification was received.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any acquisition without such prior notification, or before the period established in the Royal Decree 84/2015 has elapsed or against the objection of the Bank of Spain, will produce the following results:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the acquired shares will have no voting rights;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">if considered appropriate, the target bank may be taken over or its directors replaced; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the sanctions established in Title IV of Law 10/2014.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regarding the transparency of listed companies, such matter is mainly regulated in Spain in Royal Decree 4/2015, of October 23, approving the restated text of the Securities Market Act. The transparency requirements set out in such Act are further developed by Royal Decree 1362/2007 developing the Securities Market Act on transparency requirement for issuers of listed securities, which stipulates among other matters a communication threshold of 3% for significant stakes and extends the disclosure obligations to the acquisition or transfer of financial instruments that grant rights to acquire shares with voting rights. For more information see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 9. The Offer and Listing&#8212;Offer and Listing Details&#8212;Reporting Requirements</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Tender Offers</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Spanish legal regime concerning takeover bids, which reflects the related EU regulation (mainly Directive 2004/25/EC), is set forth in Royal Decree 4/2015, of October 23, approving the restated text of the Securities Market Act, and Royal Decree 1066/2007, of July 29, on takeover bids.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_376"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">E.      Taxation </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_379"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Spanish Tax Considerations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a summary of the material Spanish tax consequences to U.S. Residents (as defined below) of the acquisition, ownership and disposition of BBVA&#8217;s ADSs or ordinary shares as of the date of the filing of this Annual Report. This summary does not address all tax considerations that may be relevant to all categories of potential purchasers, some of whom (such as life insurance companies, tax-exempt entities, dealers in securities or financial institutions) may be subject to special rules. In particular, the summary deals only with U.S. Holders (as defined below) that will hold ADSs or ordinary shares as capital assets and who do not at any time own individually, and are not treated as owning, 10% or more of BBVA&#8217;s shares, including ADSs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As used in this particular section, the following terms have the following meanings:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(1) &#8220;U.S. Holder&#8221; means a beneficial owner of BBVA&#8217;s ADSs or ordinary shares that is for U.S. federal income tax purposes:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a citizen or an individual resident of the United States,</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a corporation or other entity treated as a corporation, created or organized under the laws of the United States, any state therein or the District of Columbia, or</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">an estate or trust the income of which is subject to U.S. federal income tax without regard to its source.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(2) &#8220;Treaty&#8221; means the Convention between the United States and the Kingdom of Spain for the Avoidance of Double Taxation and the Prevention of Fiscal Evasion with Respect to Taxes on Income, together with a related Protocol.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">192</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(3) &#8220;U.S. Resident&#8221; means a U.S. Holder that is a resident of the United States for the purposes of the Treaty and entitled to the benefits of the Treaty, whose holding is not effectively connected with (1) a permanent establishment in Spain through which such holder carries on or has carried on business, or (2) a fixed base in Spain from which such holder performs or has performed independent personal services.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Holders of ADSs or ordinary shares should consult their tax advisors, particularly as to the applicability of any tax treaty. The statements regarding Spanish tax laws set out below are based on interpretations of those laws in force as of the date of this Annual Report. Such statements also assume that each obligation in the Deposit Agreement and any related agreement will be performed in full accordance with the terms of those agreements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_382"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Taxation of Dividends</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under Spanish law, cash dividends paid by BBVA to a holder of ordinary shares or ADSs who is not resident in Spain for tax purposes and does not operate through a permanent establishment in Spain, are subject to Spanish Non-Resident Income Tax, withheld at source at a 19% tax rate. For these purposes, upon distribution of the dividend, BBVA or its paying agent will withhold an amount equal to the tax due according to the rules set forth above (applying a withholding tax rate of 19%), transferring the resulting net amount to the depositary. However, in the case of cash distribution of share premium no withholding tax would be applicable.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">However, under the Treaty, in cash dividends distributions, if you are a U.S. Resident, you are entitled to a reduced withholding tax rate of 15%. To benefit from the Treaty-reduced rate of 15%, if you are a U.S. Resident, you must provide to BBVA through our paying agent depositary, before the tenth day following the end of the month in which the dividends were payable, a certificate from the U.S. Internal Revenue Service (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">IRS</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) stating that, to the best knowledge of the IRS, you are a resident of the United States within the meaning of the Treaty and entitled to its benefits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the paying agent depositary provides timely evidence (i.e., by means of the IRS certificate) of your right to apply the Treaty-reduced rate it will immediately receive the surplus amount withheld, which will be credited to you. The IRS certificate is valid for a period of one year from issuance.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To help shareholders obtain such certificates, BBVA has set up an online procedure to make this as easy as possible.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the certificate referred to in the above paragraph is not provided to us through our paying agent depositary within said term, you may afterwards obtain a refund of the amount withheld in excess of the rate provided for in the Treaty.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_385"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Spanish Refund Procedure</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">According to Spanish Regulations on Non-Resident Income Tax, approved by Royal Decree 1776/2004 dated July 30, 2004, as amended, a refund for the amount withheld in excess of the Treaty-reduced rate can be obtained from the relevant Spanish tax authorities. To pursue the refund claim, if you are a U.S. Resident, you are required to file:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the corresponding Spanish tax form,</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the certificate referred to in the preceding section, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evidence of the Spanish Non-Resident Income Tax that was withheld with respect to you.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The refund claim must be filed within four years from the date in which the withheld tax was collected by the Spanish tax authorities, but not before February 1 of the following year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">U.S. Residents (including U.S. Holders, as defined below under &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">U.S. Tax Considerations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) are urged to consult their own tax advisors regarding refund procedures and any U.S. tax implications thereof</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Taxation of Rights</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Distribution of preemptive rights to subscribe for new shares made with respect to shares in BBVA will not be treated as income under Spanish law and, therefore, will not be subject to Spanish Non-Resident Income Tax. The exercise of such preemptive rights is not considered a taxable event under Spanish law and thus is not subject to Spanish tax. Capital gains derived from the disposition of preemptive rights received by U.S. Residents are generally not taxed in Spain provided that certain conditions are met (see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Taxation of Capital Gains</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; below).</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">193</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_388"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Taxation of Capital Gains</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under Spanish law, any capital gains derived from securities issued by persons residing in Spain for tax purposes are considered to be Spanish-source income and, therefore, are taxable in Spain. For Spanish tax purposes, gain recognized by U.S. Residents from the sale of BBVA&#8217;s ADSs or ordinary shares will be treated as capital gains. Spanish Non-Resident Income Tax is currently levied at a 19% tax rate, on capital gains recognized by persons who are not residents of Spain for tax purposes, who are not entitled to the benefit of any applicable treaty for the avoidance of double taxation and who do not operate through a fixed base or a permanent establishment in Spain.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the discussion above, capital gains derived from the transfer of shares on an official Spanish secondary stock market by any holder who is resident in a country that has entered into a treaty for the avoidance of double taxation with an &#8220;exchange of information&#8221; clause (the Treaty contains such a clause) will be exempt from taxation in Spain. Additionally, capital gains realized by non-residents of Spain who are entitled to the benefit of an applicable treaty for the avoidance of double taxation will, in the majority of cases, not be taxed in Spain (since most tax treaties provide for taxation only in the taxpayer&#8217;s country of residence). Under the Treaty, U.S. Residents&#8217; capital gains arising from the disposition of ordinary shares or ADSs will not be taxed in Spain. U.S. Residents will be required to establish that they are entitled to this exemption by providing to the relevant Spanish tax authorities a certificate of residence in the United States from the IRS (discussed above in &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Taxation of Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), together with the corresponding Spanish tax form.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Spanish Inheritance and Gift Taxes</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Transfers of BBVA&#8217;s shares or ADSs upon death or by gift to individuals are subject to Spanish inheritance and gift taxes (Spanish Law 29/1987), if the transferee is a resident in Spain for tax purposes, or if BBVA&#8217;s shares or ADSs are located in Spain, regardless of the residence of the transferee. In this regard, the Spanish tax authorities may argue that all shares of a Spanish corporation and all ADSs representing such shares are located in Spain for Spanish tax purposes. The applicable tax rate for individuals, after applying all relevant factors, ranges between approximately 7.65% and 81.6% under Spanish Law 29/1987. After determining the tax rate, multipliers that range from 1.0 to 2.4, are applied in order to assess the tax due. Those multipliers take into account the preexisting wealth of the inheritor / donee, and the kinship with the deceased / donor.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Corporations that are non-residents of Spain that receive BBVA&#8217;s shares or ADSs as a gift are subject to Spanish Non-Resident Income Tax at a 19% tax rate on the fair market value of such ordinary shares or ADSs as a capital gain tax. If the donee is a U.S. resident corporation, the exclusions available under the Treaty described in &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Taxation of Capital Gains</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; above will be applicable.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Spanish Transfer Tax</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Transfers of BBVA&#8217;s ordinary shares or ADSs will be exempt from Transfer Tax (Impuesto sobre Transmisiones Patrimoniales) or Value-Added Tax. Additionally, no stamp duty will be levied on such transfers.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_391"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">U.S. Tax Considerations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following summary describes material U.S. federal income tax consequences of the ownership and disposition of ADSs or ordinary shares, but it does not purport to be a comprehensive description of all of the tax considerations that may be relevant to a particular person&#8217;s decision to hold the securities. The summary applies only to U.S. Holders that are eligible for the benefits of the Treaty (in each case, as defined under &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Spanish Tax Considerations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; above) and that hold ADSs or ordinary shares as capital assets for tax purposes. This discussion does not address all of the tax consequences that may be relevant to any particular U.S. Holder, including the potential application of the provisions of the Internal Revenue Code of 1986, as amended (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Code</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) known as the Medicare contribution tax, and tax consequences that may be relevant to holders subject to special rules, such as:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">certain financial institutions;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">dealers or traders in securities who use a mark-to-market method of accounting;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">persons holding ADSs or ordinary shares as part of a hedging transaction, straddle, wash sale, conversion   transaction or integrated transaction or persons entering into a constructive sale with respect to the ADSs or ordinary shares;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">persons whose &#8220;functional currency&#8221; for U.S. federal income tax purposes is not the U.S. dollar;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">persons liable for the alternative minimum tax;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">tax-exempt entities;</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">194</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">partnerships or other entities classified as partnerships for U.S. federal income tax purposes;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">persons holding ADSs or ordinary shares in connection with a trade or business conducted outside of the United States;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">persons who acquired our ADSs or ordinary shares pursuant to the exercise of any employee stock option or otherwise as compensation; or</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">persons who own or are deemed to own 10% or more of our stock, by vote or value.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If an entity that is classified as a partnership for U.S. federal income tax purposes holds ADSs or ordinary shares, the U.S. federal income tax treatment of a partner will generally depend on the status of the partner and the activities of the partnership. Partnerships holding ADSs or ordinary shares and partners in such partnerships should consult their tax advisors as to the particular U.S. federal income tax consequences of holding and disposing of the ADSs or ordinary shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The summary is based upon the tax laws of the United States, including the Code, the Treaty, administrative pronouncements, judicial decisions and final, temporary and proposed Treasury regulations, all as of the date hereof. These laws are subject to change, possibly with retroactive effect. In addition, the summary is based in part on representations by the depositary and assumes that each obligation provided for in or otherwise contemplated by BBVA&#8217;s deposit agreement and any other related document will be performed in accordance with its terms. Prospective purchasers or owners of the ADSs or ordinary shares are urged to consult their tax advisors as to the U.S., Spanish or other tax consequences of the ownership and disposition of ADSs or ordinary shares in their particular circumstances, including the effect of any U.S. state or local tax laws.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In general, for United States federal income tax purposes, a U.S. Holder who owns ADSs will be treated as the owner of the underlying ordinary shares represented by those ADSs. Accordingly, no gain or loss will be recognized if a U.S. Holder exchanges ADSs for the underlying ordinary shares represented by those ADSs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Except as described in &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Passive Foreign Investment Company Rules&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> below, this discussion assumes that BBVA has not been, and will not become, a passive foreign investment company (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PFIC</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Taxation of Distributions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Distributions, before reduction for any Spanish income tax withheld by BBVA or its paying agent, made with respect to ADSs or ordinary shares (other than certain pro rata distributions of ordinary shares or rights to subscribe for ordinary shares of BBVA&#8217;s capital stock) will be includible in the income of a U.S. Holder as ordinary income, to the extent paid out of BBVA&#8217;s current or accumulated earnings and profits as determined in accordance with U.S. federal income tax principles. Because we do not maintain calculations of our earnings and profits under U.S. federal income tax principles, it is expected that distributions generally will be reported to U.S. Holders as dividends. The amount of such dividends will generally be treated as foreign-source dividend income and will not be eligible for the &#8220;dividends-received deduction&#8221; generally allowed to U.S. corporations under the Code. Subject to applicable limitations (including the satisfaction of a minimum holding period and certain other requirements), dividends paid to certain non-corporate U.S. Holders of ADSs will be taxable as &#8220;qualified dividend income&#8221; and therefore will be taxable at favorable rates applicable to long-term capital gains. U.S. Holders should consult their own tax advisors to determine the availability of these favorable rates in their particular circumstances.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount of dividend income will equal the U.S. dollar value of the euro received, calculated by reference to the exchange rate in effect on the date of receipt (which, for U.S. Holders of ADSs, will be the date such distribution is received by the depositary), whether or not the depositary or U.S. Holder in fact converts any euro received into U.S. dollars at that time. If the dividend is converted into U.S. dollars on the date of receipt, a U.S. Holder should not be required to recognize foreign currency gain or loss in respect of the dividend income. A U.S. Holder may have foreign currency gain or loss if the dividend is converted into U.S. dollars after the date of receipt.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">195</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subject to applicable limitations that vary depending upon a U.S. Holder&#8217;s circumstances, a U.S. Holder will be entitled to a credit against its U.S. federal income tax liability for Spanish income taxes withheld by BBVA or its paying agent at a rate not exceeding the rate the U.S. Holder is entitled to under Spanish domestic law or the Treaty. Spanish taxes withheld in excess of the rate applicable under Spanish domestic law or the Treaty or that are otherwise refundable will not be eligible for credit against the U.S. Holder&#8217;s U.S. federal income tax liability. See &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Spanish Tax Considerations&#8212;Taxation of Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for a discussion of how to obtain the Treaty rate. The rules governing foreign tax credits are complex. For example, under applicable Treasury Regulations, in the absence of an election to apply the benefits of an applicable income tax treaty, in order to be creditable, foreign income tax rules must be consistent with certain U.S. federal income tax principles, and we have not determined whether the Spanish income tax system meets all these requirements. U.S. Holders should consult their tax advisors regarding the availability of foreign tax credits in their particular circumstances. Instead of claiming a credit, the U.S. Holder may, at its election and subject to applicable limitations, deduct such Spanish taxes in computing its U.S. federal taxable income. An election to deduct foreign taxes instead of claiming foreign tax credits applies to all taxes paid or accrued in the taxable year to foreign countries and possessions of the United States.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sale or Other Disposition of ADSs or Shares</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For U.S. federal income tax purposes, gain or loss realized by a U.S. Holder on the sale or other disposition of ADSs or ordinary shares will be capital gain or loss in an amount equal to the difference between the U.S. Holder&#8217;s tax basis in the ADSs or ordinary shares disposed of and the amount realized on the disposition, in each case as determined in U.S. dollars. Such gain or loss will be long-term capital gain or loss if the U.S. Holder held the ordinary shares or ADSs for more than one year at the time of disposition. Gain or loss, if any, will generally be U.S. source for foreign tax credit purposes. The deductibility of capital losses is subject to limitations. Spanish taxes (if any) on sales or dispositions of ADSs will not be creditable.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Passive Foreign Investment Company Rules</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based upon certain proposed Treasury regulations, which are proposed to be effective for taxable years beginning after December 31, 1994 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Proposed Regulations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and upon which taxpayers are currently permitted to rely, we believe that we were not a PFIC for U.S. federal income tax purposes for our 2022 taxable year. However, since our PFIC status depends upon the composition of our income and assets and the market value of our assets (including, among others, less than 25% owned equity investments) from time to time and since there is no guarantee that the Proposed Regulations will be adopted in their current form and because the manner of the application of the Proposed Regulations is not entirely clear, there can be no assurance that we will not be considered a PFIC for any taxable year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If we were treated as a PFIC for any taxable year during which a U.S. Holder held ADSs or ordinary shares, gain recognized by such U.S. Holder on a sale or other disposition (including certain pledges) of an ADS or an ordinary share would be allocated ratably over the U.S. Holder&#8217;s holding period for the ADS or the ordinary share. The amounts allocated to the taxable year of the sale or other exchange and to any year before we became a PFIC would be taxed as ordinary income. The amount allocated to each other taxable year would be subject to tax at the highest rate in effect for individuals or corporations, as applicable for that taxable year, and an interest charge would be imposed on the amount of tax allocated to such taxable year. The same treatment would apply to distributions received by a U.S. Holder on its ordinary shares or ADSs in a taxable year to the extent that such distributions exceeds 125% of the average of the annual distributions on the ordinary shares or ADSs received during the preceding three taxable years or the U.S. Holder&#8217;s holding period, whichever is shorter. In addition, if we were a PFIC or, with respect to a particular U.S. Holder, were treated as a PFIC for the taxable year in which we paid a dividend or the prior taxable year, the favorable tax rates discussed above with respect to dividends paid to certain non-corporate U.S. Holders would not apply. Certain elections may be available (including a mark-to-market election) that may provide alternative tax treatments. U.S. Holders should consult their tax advisors regarding whether we are or were a PFIC, the potential application of the PFIC rules to their ownership and disposition of ordinary shares or ADSs, whether any elections for alternative treatment would be available and, if so, what the consequences of the alternative treatments would be in their particular circumstances. If we were a PFIC for any taxable year during which a U.S. Holder owned our shares, the U.S. Holder would generally be required to file IRS Form 8621 with their annual U.S. federal income tax returns, subject to certain exceptions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Information Reporting and Backup Withholding</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information returns may be filed with the IRS in connection with payments of dividends on, and the proceeds from a sale or other disposition of, ADSs or ordinary shares. A U.S. Holder may be subject to U.S. backup withholding on these payments if the U.S. Holder fails to provide its taxpayer identification number to the paying agent and comply with certain certification procedures or otherwise establish an exemption from backup withholding. The amount of any backup withholding from a payment to a U.S. Holder will be allowed as a credit against the U.S. Holder&#8217;s U.S. federal income tax liability and may entitle the U.S. Holder to a refund, provided that the required information is timely furnished to the IRS.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">196</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain U.S. Holders who are individuals or specified entities may be required to report information relating to securities of non-U.S. companies, or non-U.S. accounts through which they are held. U.S. Holders should consult their tax advisors regarding the effect, if any, of these rules on their ownership or disposition of ordinary shares or ADSs.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_394"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">F.      Dividends and Paying Agents</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_397"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">G.      Statement by Experts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_400"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">H.     Documents on Display</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to the information requirements of the Exchange Act, except that as a foreign private issuer, we are not subject to the proxy rules or the short-swing profit disclosure rules of the Exchange Act. In accordance with these statutory requirements, we file or furnish reports and other information with the SEC. Reports and other information filed or furnished by BBVA with the SEC may be inspected and copied at the public reference facilities maintained by the SEC at 100 F Street, N.E., Washington, D.C. 20549. Copies of such material may also be inspected at the offices of the New York Stock Exchange, 11 Wall Street, New York, New York 10005, on which BBVA&#8217;s ADSs are listed. In addition, the SEC maintains a web site that contains information filed or furnished electronically with the SEC, which can be accessed over the internet at http://www.sec.gov. Except as otherwise expressly indicated herein, any such information does not form part of this Annual Report on Form 20-F.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_403"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">I.       Subsidiary Information</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_406"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 11.      QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For quantitative and qualitative disclosures about market risk, see Notes 7.4 and 7.3 to our Consolidated Financial Statements.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_409"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 12.      DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_412"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A.      Debt Securities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_415"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B.      Warrants and Rights</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_418"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C.      Other Securities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">197</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_421"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">D.      American Depositary Shares</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ADSs are listed on the New York Stock Exchange under the symbol &#8220;BBVA&#8221;. The Bank of New York Mellon is the depositary (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Depositary</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) issuing ADSs pursuant to an amended and restated deposit agreement dated June 29, 2007 among BBVA, the Depositary and the holders from time to time of ADSs (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Deposit Agreement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). Each ADS represents the right to receive one share. The table below sets forth the fees payable, either directly or indirectly, by a holder of ADSs as of the date of this Annual Report.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.234%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Category</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Depositary Actions</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Associated Fee / By Whom Paid</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(a) Depositing or substituting the underlying shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Issuance of ADSs</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Up to $5.00 for each 100 ADSs (or portion thereof) delivered (charged to person depositing the shares or receiving the ADSs)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(b) Receiving or distributing dividends</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Distribution of cash dividends or other cash distributions; distribution of share dividends or other free share distributions; distribution of securities other than ADSs or rights to purchase additional ADSs</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Not applicable</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(c) Selling or exercising rights</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Distribution or sale of securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Not applicable<br/></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(d) Withdrawing an underlying security</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Acceptance of ADSs surrendered for withdrawal of deposited securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Up to $5.00 for each 100 ADSs (or portion thereof) surrendered (charged to person surrendering or to person to whom withdrawn securities are being delivered)<br/></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(e) Transferring, splitting or grouping receipts</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Transfers, combining or grouping of depositary receipts</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Not applicable<br/></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(f) General depositary services, particularly those charged on an annual basis</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Other services performed by the Depositary in administering the ADSs</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Not applicable<br/></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(g) Expenses of the Depositary</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Expenses incurred on behalf of holders in connection with</span></div><div style="margin-bottom:0.1pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">a.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%;padding-left:11.76pt">stock transfer or other taxes (including Spanish income taxes) and other governmental charges;</span></div><div style="margin-bottom:0.1pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">b.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%;padding-left:11.25pt">cable, telex and facsimile transmission and delivery charges incurred at request of holder of ADS or person depositing shares for the issuance of ADSs;</span></div><div style="margin-bottom:0.1pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">c.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%;padding-left:11.76pt">transfer, brokerage or registration fees for the registration of shares or other deposited securities on the share register and applicable to transfers of shares or other deposited securities to or from the name of the custodian;</span></div><div style="margin-bottom:0.1pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">d.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%;padding-left:11.25pt">reasonable and customary expenses of the depositary in connection with the conversion of foreign currency into U.S. dollars</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Expenses payable by holders of ADSs or persons depositing shares for the issuance of ADSs; expenses payable in connection with the conversion of foreign currency into U.S. dollars are payable out of such foreign currency</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Depositary may remit to us all or a portion of the fees charged for the reimbursement of certain of the expenses we incur in respect of the ADS program established pursuant to the Deposit Agreement upon such terms and conditions as we may agree from time to time. In the year ended December 31, 2022, the Depositary reimbursed us $565,169 with respect to certain fees and expenses. The table below sets forth the types of expenses that the Depositary has agreed to reimburse and the amounts reimbursed in 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:50.209%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:47.591%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Category of Expenses</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Amount Reimbursed in the year ended December 31, 2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(In Dollars)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">NYSE Listing Fees</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">310,602</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Investor Relations Marketing</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,663</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Professional Services</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60,468</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Annual General Shareholders&#8217; Meeting Expenses</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">180,887</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">549</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">198</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_424"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART II</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_427"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 13.      DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_430"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 14.      MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_433"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 15.      CONTROLS AND PROCEDURES </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Conclusion Regarding the Effectiveness of Disclosure Controls and Procedures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2022, BBVA, under the supervision and with the participation of BBVA&#8217;s management, including our Group Executive Chairman, Chief Executive Officer and Chief Financial Officer, performed an evaluation of the effectiveness of the design and operation of our disclosure controls and procedures (as defined in Rule 13a-15(e) under the Exchange Act). There are inherent limitations to the effectiveness of any control system, including disclosure controls and procedures. Accordingly, even effective disclosure controls and procedures can provide only reasonable assurance of achieving their control objectives.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based upon their evaluation, BBVA&#8217;s Group Executive Chairman, Chief Executive Officer and Chief Financial Officer concluded that BBVA&#8217;s disclosure controls and procedures are effective at a reasonable assurance level in ensuring that information relating to BBVA, including its consolidated subsidiaries, required to be disclosed in reports that it files under the Exchange Act is (1) recorded, processed, summarized and reported within the time periods specified in the SEC&#8217;s rules and forms, and (2) accumulated and communicated to the management, including principal financial officers, as appropriate to allow timely decisions regarding required disclosure.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Management&#8217;s Report on Internal Control Over Financial Reporting</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The management of BBVA is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rule 13a-15(f) under the Exchange Act. BBVA&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles and includes those policies and procedures that:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of BBVA;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that our receipts and expenditures are being made only in accordance with authorizations of BBVA&#8217;s management and directors; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of our assets that could have a material effect on the financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the supervision and with the participation of BBVA&#8217;s management, including our Group Executive Chairman, Chief Executive Officer and Chief Financial Officer, we conducted an evaluation of the effectiveness of our internal control over financial reporting based on the criteria established in &#8220;Internal Control &#8211; Integrated Framework (2013)&#8221; issued by the Committee of Sponsoring Organizations of the Treadway Commission (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">COSO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). Based on this assessment, our management concluded that, as of December 31, 2022 our internal control over financial reporting was effective based on those criteria.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">199</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Changes in Internal Control Over Financial Reporting</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There have been no changes in BBVA&#8217;s internal control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act) which have materially affected or are reasonably likely to materially affect BBVA&#8217;s internal control over financial reporting during the year ended December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our internal control over financial reporting as of December 31, 2022 has been audited by Ernst &amp; Young, S.L., an independent registered public accounting firm, as stated in their report which follows below.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">200</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_436"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Report of Independent Registered Public Accounting Firm</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the Shareholders and Board of Directors </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A.:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Opinion on Internal Control Over Financial Reporting</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have audited Banco Bilbao Vizcaya Argentaria, S.A. and subsidiaries&#8217; internal control over financial reporting as of December 31, 2022, based on criteria established in Internal Control &#8211; Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) (the COSO criteria). In our opinion, Banco Bilbao Vizcaya Argentaria, S.A. and subsidiaries (the Company) maintained, in all material respects, effective internal control over financial reporting as of December 31, 2022, based on the COSO criteria.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated balance sheet of the Company as of December 31, 2022, the related consolidated income statement, recognized income and expense, changes in equity, and cash flows for the year then ended, and the related notes (collectively referred to as the &#8220;consolidated financial statements&#8221;), and our report dated March 6, 2023 expressed an unqualified opinion thereon.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Basis for Opinion</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management&#8217;s Report on Internal Control Over Financial Reporting. Our responsibility is to express an opinion on the Company&#8217;s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Definition and Limitations of Internal Control Over Financial Reporting</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#8217;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#8217;s assets that could have a material effect on the financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</span></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">/s/ Ernst &amp; Young, S.L.</span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Madrid, Spain</span></div><div style="margin-bottom:10pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">March 6, 2023</span></div><div><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">201</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_439"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16.       [RESERVED]</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_442"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16A.      AUDIT COMMITTEE FINANCIAL EXPERT</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Regulations of the Audit Committee establish that committee members will be appointed by the Board of Directors, seeking to ensure that they possess the necessary dedication, skills and experience to carry out their duties. In any event, at least one member will be appointed taking into account his or her knowledge and experience in accounting, auditing or both. As a whole, the Committee members will possess relevant technical knowledge in the financial sector. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have determined that Mr. Jaime F&#233;lix Caruana Lacorte, current Chair of the Audit Committee, and the Audit Committee members Mr. Jos&#233; Miguel Andr&#233;s Torrecillas, Mrs. Bel&#233;n Garijo L&#243;pez and Mrs. Ana Cristina Peralta Moreno are &#8220;audit committee financial experts&#8221; as such term is defined by the SEC. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Mr. Jaime F&#233;lix Caruana Lacorte, Mr. Jos&#233; Miguel Andr&#233;s Torrecillas, Mrs. Bel&#233;n Garijo L&#243;pez and Mrs. Ana Cristina Peralta Moreno are independent within the meaning of Rule 10A-3 under the Exchange Act.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_445"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16B.      CODE OF ETHICS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BBVA Group Code of Conduct, which was updated by the Board of Directors on February 9, 2022, applies to all companies and persons which form part of the BBVA Group. This Code sets out the standards of behavior that should be adhered to so that the Group&#8217;s conduct towards its customers, colleagues and the society be consistent with BBVA&#8217;s values. The BBVA Group Code of Conduct can be found on BBVA&#8217;s website at www.bbva.com.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_448"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16C.      PRINCIPAL ACCOUNTANT FEES AND SERVICES</span></div><div style="text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information on the aggregate fees paid and payable to our independent registered public accounting firms (<ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:AuditorName" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80NDgvZnJhZzpmODA2ZTVjZjc1YWQ0NmE5ODAzMjRkMTY5NWQ5YzU0MC90ZXh0cmVnaW9uOmY4MDZlNWNmNzVhZDQ2YTk4MDMyNGQxNjk1ZDljNTQwXzM1NTU_0914d39e-2c77-44a4-8845-e41ae857140a">Ernst &amp; Young, S.L.</ix:nonNumeric>, <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:AuditorLocation" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80NDgvZnJhZzpmODA2ZTVjZjc1YWQ0NmE5ODAzMjRkMTY5NWQ5YzU0MC90ZXh0cmVnaW9uOmY4MDZlNWNmNzVhZDQ2YTk4MDMyNGQxNjk1ZDljNTQwXzM1NTg_be861164-d911-48ac-8ef1-b6479da989ec">Madrid, Spain</ix:nonNumeric>, Auditor Firm ID <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="dei:AuditorFirmId" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80NDgvZnJhZzpmODA2ZTVjZjc1YWQ0NmE5ODAzMjRkMTY5NWQ5YzU0MC90ZXh0cmVnaW9uOmY4MDZlNWNmNzVhZDQ2YTk4MDMyNGQxNjk1ZDljNTQwXzcwMzY4NzQ0MTg3MDYz_e99efed5-eda3-4ad9-a8a5-3b8e6e03fa01">1461</ix:nonNumeric> with respect to 2022 and KPMG Auditores, S.L., Madrid, Spain, Auditor Firm ID 1027 with respect to 2021), and their worldwide affiliates, by type of service rendered for the periods indicated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:69.316%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.691%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Year ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Services Rendered</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">(In Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Audit Fees (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">25.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">25.0</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Audit-Related Fees (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">0.9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Tax Fees (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">All Other Fees (4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Total</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">25.9</span></td><td colspan="3" style="border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">26.1</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Aggregate fees paid and payable by BBVA for professional services rendered by our principal accountants (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461 with respect to 2022 and KPMG Auditores, S.L., Madrid, Spain, Auditor Firm ID 1027 with respect to 2021) and their worldwide affiliates for the audit of BBVA&#8217;s annual financial statements, review of interim financial statements, SEC regulatory filings or services that are normally provided by our principal accountants and their worldwide affiliates in connection with statutory and regulatory filings or engagements for the relevant fiscal year.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Aggregate fees paid and payable by BBVA for assurance and related services by our principal accountants (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461 with respect to 2022 and KPMG Auditores, S.L., Madrid, Spain, Auditor Firm ID 1027 with respect to 2021) and their worldwide affiliates that are reasonably related to the performance of the audit or review of BBVA&#8217;s financial statements and are not reported under (1) above. This includes work related to the corporate social responsibility report of certain Group entities and certain regulatory work rendered by the independent auditor.    </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Aggregate fees paid and payable by BBVA for professional services rendered by our principal accountants (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461 with respect to 2022 and KPMG Auditores, S.L., Madrid, Spain, Auditor Firm ID 1027 with respect to 2021) and their worldwide affiliates for tax compliance, tax advice, and tax planning.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Aggregate fees paid and payable by BBVA for products and services provided by our principal accountants (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461 with respect to 2022 and KPMG Auditores, S.L., Madrid, Spain, Auditor Firm ID 1027 with respect to 2021) and their worldwide affiliates other than the services reported in (1), (2) and (3) above. Services in this category consisted primarily of consultancy and implementation of new regulation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fees of our independent registered public accounting firms are recorded under &#8220;Other administrative expense&#8221; in our consolidated income statements for the relevant years.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">202</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">The Audit Committee&#8217;s Pre-Approval Policies and Procedures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In order to assist in ensuring the independence of our external auditor, the regulations of our Audit Committee provides that our external auditor is generally prohibited from providing us with non-audit services, other than under the specific circumstance described below. For this reason, our Audit Committee has developed a pre-approval policy regarding the contracting of BBVA&#8217;s external auditor, or any affiliate of the external auditor, for professional services. The professional services covered by such policy include audit and non-audit services provided to BBVA or any of its subsidiaries reflected in agreements dated on or after May 6, 2003.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The pre-approval policy is as follows:</span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The hiring of BBVA&#8217;s external auditor or any of its affiliates is prohibited, unless there is no other firm available to provide the needed services at a comparable cost and that could deliver a similar level of quality.</span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">In the event that there is no other firm available to provide needed services at a comparable cost and delivering a similar level of quality, the external auditor (or any of its affiliates) may be hired to perform such services, but only with the pre-approval of the Audit Committee.</span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The Chairman of the Audit Committee has been delegated the authority to approve the hiring of BBVA&#8217;s external auditor (or any of its affiliates). In such an event, however, the Chairman would be required to inform the Audit Committee of such decision at the Committee&#8217;s next meeting.</span></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The hiring of the external auditor for any of BBVA&#8217;s subsidiaries must also be pre-approved by the Audit Committee.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_451"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16D.      EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_454"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16E.       PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The below table shows the purchases of BBVA shares made by or on behalf of BBVA or any affiliated purchaser during 2022.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Number of Shares Purchased (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Average Price Paid per Share in Euro</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs (2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Maximum Number (or Approximate Euro Value) of Shares that May Yet Be Purchased Under the Plans or Programs (3)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">January</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60,140,602</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.61</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">58,951,275</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">466,564,505</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">February</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">97,162,311</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.64</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">80,013,830</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">386,550,675</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">March</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">54,058,234</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.10</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,539,671</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">348,011,004</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">April</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">102,027,371</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.92</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92,985,933</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">255,025,071</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">May</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">107,260,198</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.75</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">105,028,263</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">149,996,808</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">June</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,389,464</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">149,996,808</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">July</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">90,872,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.21</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">89,250,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60,746,808</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">August</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">62,069,634</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.67</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60,746,808</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">September</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,201,521</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.82</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">October</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,291,695</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.83</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">November</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,951,219</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">December</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,032,022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">598,457,024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">525,515,780</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-top:6pt;padding-left:17.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">All of the purchases made in June 2022 and in the period from September to December 2022 (both inclusive), as well as the purchase of 1,189,327, 17,148,481, 15,518,563, 9,041,438, 2,231,935, 1,622,753 and 1,322,826 shares in January, February, March, April, May, July and August 2022, respectively, were made other than through a publicly announced plan or program and were made in open-market transactions.</span></div><div style="padding-left:17.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Refers to the number of shares purchased under the share buyback program in the relevant month. See &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Share Buyback Programs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8221;.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></div><div style="padding-left:17.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Refers to the maximum number of shares yet to be purchased under the share buyback program as of the end of the relevant month. See &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Share Buyback Programs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8221;. As of January 31, February 28, March 31, April 30, May 31 and July 31, 2022, the dollar value of such shares was approximately $2,920 million (based on a euro/dollar exchange rate on January 31, 2022 of &#8364;1.00=$1.12), $2,440 million (based on a euro/dollar exchange rate on February 28, 2022 of &#8364;1.00=$1.12), $1,970 million (based on a euro/dollar exchange rate on March 31, 2022 of &#8364;1.00=$1.11), $1,324 million (based on a euro/dollar exchange rate on April 30, 2022 of &#8364;1.00=$1.05), $764 million (based on a euro/dollar exchange rate on May 31, 2022 of &#8364;1.00=$1.07) and $261 million (based on a euro/dollar exchange rate on July 31, 2022 of &#8364;1.00=$1.02), respectively. No purchases were undertaken in June 2022 and the information as of June 30, 2022 reiterates the information as of May 31, 2022, calculated as indicated above.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2022, we sold 82,834,993 shares through open-market transactions for an average price of &#8364;5.22 per share and we cancelled 637,770,016 shares pursuant to the share capital reductions that took place on June 16, 2022 and September 30, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">203</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Share Buyback Programs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 26, 2021, BBVA received the required authorization from the ECB to repurchase up to 10% of its share capital in an amount of up to &#8364;3.5 billion, in one or more installments and for a maximum period of 12 months.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon receiving said authorization and making use of the delegation conferred by the BBVA general shareholders&#180; meeting held on March 16, 2018, at its meeting of October 28, 2021, BBVA Board of Directors resolved to carry out a share buyback program scheme in compliance with Regulation (EU) No 596/2014 of the European Parliament and of the Council of April 16, 2014 on market abuse and Delegated Regulation (EU) No 2016/1052 of the Commission, of March 8, 2016, to be executed in various tranches up to a maximum amount of &#8364;3.5 billion (US$4.0 billion, based on the exchange rate as of December 31, 2021) (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Program Scheme</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), with the purpose of reducing BBVA&#8217;s share capital, notwithstanding the possibility of terminating or cancelling the Program Scheme at an earlier date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Board of Directors agreed, within the scope of the Program Scheme, to carry out a first share buyback program to be executed externally through a lead manager, J.P. Morgan AG, for a maximum amount of &#8364;1,500 million (US$1,699 million, based on the exchange rate as of December 31, 2021) and a maximum number of 637,770,016 shares, representing, approximately, 9.6% of BBVA's share capital as of the date of the agreement (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">First Tranche</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). The First Tranche was announced on October 29, 2021 and the appointment of J.P. Morgan AG was announced on November 19, 2021. The implementation of the First Tranche began on November 22, 2021 and was completed on March 3, 2022 upon reaching the maximum monetary amount of &#8364;1,500 million, having acquired 281,218,710 shares representing, approximately, 4.22% of BBVA&#8217;s share capital as of that date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 15, 2022, BBVA notified that it had partially executed the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#8364;0.49 par value each, acquired derivatively by the Bank in execution of the First Tranche.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 3, 2022, BBVA announced that its Board of Directors agreed, within the Program Scheme, to carry out a second buyback program (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Second Tranche</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) aimed at reducing BBVA&#8217;s share capital, for a maximum amount of &#8364;2,000 million (US$2,265 million, based on the exchange rate as of December 31, 2021) and a maximum number of shares to be acquired equal to the result of subtracting from 637,770,016 shares (9.6% of BBVA&#8217;s share capital at that date) the number of own shares finally acquired in execution of the First Tranche.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a continuation of the previous communication, on March 16, 2022, BBVA informed by means of an Inside Information filing with the CNMV that it had agreed to execute the Second Tranche: (i) through the execution of a first segment for an amount of up to &#8364;1,000 million, and a maximum of 356,551,306 shares (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">First Segment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), externally through Goldman Sachs International as lead manager, who would execute the purchase transactions through the broker Kepler Cheuvreux, S.A.; and (ii) once execution of the First Segment was completed, through the execution of a second and final segment (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Second Segment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By means of an Other Relevant Information filing with the CNMV dated May 16, 2022, BBVA announced the completion of the execution of the First Segment upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 206,554,498 shares representing, approximately, 3.1% of BBVA&#8217;s share capital as of said date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 28, 2022, BBVA communicated through an Inside Information filing with the CNMV that it would complete the Program Scheme by executing the Second Segment, for a maximum amount of &#8364;1,000 million and a maximum of 149,996,808 shares. The execution of the Second Segment carried out by Citigroup Global Markets Europe AG as lead manager, as BBVA informed through an Inside Information filing on June 29, 2022. By means of an Other Relevant Information filing dated August 19, 2022, BBVA announced the completion of the execution of the Second Segment upon reaching the maximum number of shares (149,996,808), representing, approximately, 2.3% of BBVA&#8217;s share capital as of said date. On September 30, 2022, BBVA notified that it had, again, partially executed the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Segment and Second Segment of the Second Tranche and which were held as treasury shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2023</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 1, 2023, BBVA announced that it intended to submit for the consideration of the corresponding BBVA governing bodies the execution of a share buyback program of BBVA for an amount of &#8364;422 million, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">204</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_457"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16F.       CHANGE IN REGISTRANT&#8217;S CERTIFYING ACCOUNTANT</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 1, 2021, we announced that the Board of Directors selected Ernst &amp; Young, S.L. to be our independent registered public accounting firm for the 2022, 2023 and 2024 fiscal years. Such selection and change of independent registered public accounting firm was adopted at the proposal of the Audit Committee. This selection was approved by the shareholders at the annual shareholders&#8217; meeting held on March 18, 2022. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The disclosure called for by paragraph (a) of Item 16F was previously reported, as that term is defined in Rule 12b-2 under the Exchange Act, in the Bank&#8217;s Annual Report on Form 20-F for the year ended December 31, 2021, filed with the SEC on March 4, 2022.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_460"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16G.         CORPORATE GOVERNANCE</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Compliance with NYSE Listing Standards on Corporate Governance</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 4, 2003, the SEC approved rules proposed by the New York Stock Exchange (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NYSE</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) intended to strengthen corporate governance standards for listed companies. In compliance therewith, the following is a summary of the significant differences between our corporate governance practices and those applicable to domestic issuers under the NYSE listing standards.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Independence of the Directors on the Board of Directors and Board Committees</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the NYSE corporate governance rules, (i) a majority of a U.S. company&#8217;s board of directors must be composed of independent directors, (ii) all members of the audit committee must be independent and (iii) all U.S. companies listed on the NYSE must have a compensation committee and a nominations committee and all members of such committees must be independent. In each case, the independence of directors must be established pursuant to highly detailed rules promulgated by the NYSE and, in the case of the audit committee, the NYSE and the SEC.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Spanish Corporate Enterprises Act sets out a definition of what constitutes independence for the purpose of board or committee membership. Such definition is in line with the definition provided by our Board of Directors Regulations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, pursuant to the Spanish Corporate Enterprises Act, listed companies shall have, at least, an audit committee and an appointments and remuneration committee. This Act also establishes that such committees (i) shall be composed exclusively of non-executive directors, (ii) shall have a majority of independent directors (in the case of the audit committee) or at least two of their members shall be independent directors (in the case of the appointments and remuneration committee) and (iii) they shall be chaired by an independent director.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Likewise, Law 10/2014, which completes the transposition of CRD IV into Spanish legislation, includes rules on corporate governance, among others, as regards board committees and their membership, establishing that the remuneration committee, the appointments committee and risk committee shall be composed of non-executive directors and at least one third of their members shall be independent and, in any event, the chair of these committees shall also be an independent director.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Moreover, pursuant to the Good Governance Code for Listed Companies of the CNMV, which includes non-binding recommendations applicable to listed companies in Spain, under the comply or explain principle: (i) independent directors must represent, at least, half of the total board members; (ii) the majority of the members of the appointments and remuneration committee must be independent; and (iii) companies with high market capitalization must have two separate committees, an appointments committee and a remuneration committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to Article 1 of our Board of Directors Regulations, BBVA considers that independent directors are non-executive directors appointed based on their personal and professional qualities and who may perform their duties without being constrained by their relationship with the Company, or its Group, significant shareholders or managers. Directors may not be considered independent in any of the following situations:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a)   They have been employees or have been executive directors of Group companies in the last three or five years, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b)  They receive from the Bank, or from Group companies, any amount or benefit for any item other than director&#8217;s remuneration, except for those amounts which are not significant for such director. For the purposes of this item, neither dividends nor pension allowances received by directors relating to their previous professional or employment relations will be taken into account, provided that said allowances are unconditional in nature and, therefore, the company that provides said allowances may not suspend, modify or revoke their accrual at its discretion without breaching its obligations.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">205</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c)   They are, or have been in the past three years, a partner of an external auditor or have been responsible during this time for the auditor&#8217;s report for the Company or any other company within its Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d)   They are executive directors or senior managers of another company for which an executive director or senior manager of the Company is an external director.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">e)   They have, or have had over the last year, a significant business relationship with the Bank or any company within its Group, whether in their own name or as a significant shareholder, director or senior manager of a company that has, or has had, such a relationship. Business relationships include supplying goods or services, including financial services, as well as acting as an adviser or consultant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">f)   They are significant shareholders, executive directors or senior managers of a company that receives, or has received in the past three years, donations from the Company or from its Group. Those who are simply trustees of a foundation receiving donations will not be considered to be included in this category.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">g)   They are spouses, partners in a similar relationship of affection or relatives up to the second degree of an executive director or senior manager of the Company.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">h)   They have not been proposed for appointment or renewal by the Appointments and Corporate Governance Committee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">i)   They have been directors for a continuous period of more than twelve years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">j)   In relation to a significant shareholder or shareholder represented on the Board of Directors, any of the circumstances referred to in items (a), (e), (f) or (g) above shall apply. In the event of the kinship relations referred to in item (g), the limitation will apply not only to the shareholder, but also to any proprietary directors of the company in which shares are held.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The directors with a shareholding in the Company may be considered independent provided that they do not meet the conditions above and, in addition, that their shareholding is not legally regarded as significant. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of this Annual Report, 13 of the 15 members of our Board of Directors are non-executive directors and ten out of the 15 members of our Board are independent under the definition of independence described above, which is in line with the definition provided by the Spanish Corporate Enterprises Act.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, our Audit Committee is composed exclusively of independent directors and the Committee chair has experience in accounting, auditing and technical knowledge in the financial sector, in accordance with the specific regulations of the Audit Committee. Our Risk and Compliance Committee is composed exclusively of non-executive directors, the majority of whom (including its chair) are independent directors. Also, in accordance with the Spanish Corporate Enterprises Act and with corporate governance non-binding recommendations, our Board of Directors has two separate committees: an Appointments and Corporate Governance Committee and a Remuneration Committee, which are composed exclusively of non-executive directors, the majority of whom (including their chairs) are independent directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Separate Meetings for Independent Directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the NYSE corporate governance rules, independent directors must meet periodically outside of the presence of the executive directors. Under Spanish law, this requirement is not contemplated as such. We note, however, that our non-executive directors meet periodically outside the presence of our executive directors every time a committee with oversight functions meets, since these committees are comprised solely of non-executive directors. Furthermore, the Board of Directors has appointed a Lead Director with powers to coordinate and meet with the non-executive directors, among other faculties conferred by applicable law and in Article 21 of our Board of Directors Regulations. The Lead Director also maintains ongoing contact, holds meetings and has conversations with other Bank directors in order to seek their opinions on the corporate governance and operation of the Bank&#8217;s corporate bodies. In addition, in accordance with Article 37 of the Board of Directors Regulations, the Lead Director coordinated during 2022 monthly meetings with non-executive directors, which took place following the meetings of the Board of Directors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Code of Ethics</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The NYSE listing standards require U.S. companies to adopt a code of business conduct and ethics for directors, officers and employees, and promptly disclose any waivers of the code for directors or executive officers. For information with respect to BBVA&#8217;s code of business conduct and ethics see &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Item 16 B. Code of Ethics</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">206</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_463"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16H.       MINE SAFETY DISCLOSURE</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_466"></div><div style="margin-bottom:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16I.         DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not Applicable.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_469"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART III</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_472"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 17.       FINANCIAL STATEMENTS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have responded to Item 18 in lieu of responding to this Item.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_475"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 18.       FINANCIAL STATEMENTS </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Please see pages F-1 through F-219.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_478"></div><div style="-sec-extract:summary;margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 19        EXHIBITS</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:41.735%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:41.736%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Exhibit<br/>Number</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Description</span></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit11.htm">Amended and Restated Bylaws (Estatutos) of the Registrant (English translation)</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit21.htm">Description of Registrant&#8217;s Securities Registered under Section 12 of the Exchange Act</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/842180/000119312523040053/d707202d6k.htm">Information on Compensation Plans (*</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/842180/000119312523040053/d707202d6k.htm">)</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1090">Subsidiaries of Registrant (see Appendix </a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1090">I to IX</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1090"> to our Consolidated Financial Statements included herein)</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/842180/000084218021000008/d20f2020exhibits101.htm">Share Purchase Agreement between Banco Bilbao Vizcaya Argentaria, S.A. and The PNC Financial Services Group of November 15, 2020  (*</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/842180/000084218021000008/d20f2020exhibits101.htm">*)</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit121.htm">Section 302 Group Executive Chairman Certification</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.2</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit122.htm">Section 302 Chief Executive Officer Certification</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.3</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit123.htm">Section 302 Chief Financial Officer Certification</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit131.htm">Section 906 Certification</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.1</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit151.htm">Consent of Independent Registered Public Accounting Firm</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.2</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline" href="exhibit152.htm">Consent of Independent Registered Public Accounting Firm</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inline XBRL Instance Document &#8212; the instance document does not appear on the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101.SCH</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inline XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101.CAL</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inline XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101.DEF</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inline XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101.LAB</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inline XBRL TAXONOMY EXTENSION LABELS LINKBASE DOCUMENT</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101.PRE</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inline XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">104</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cover Page Interactive Data File &#8212; the cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(*)&#160;&#160;&#160;&#160;Incorporated by reference to BBVA&#8217;s report on Form 6-K submitted on February 15, 2023 (SEC Accession No. 0001193125-23-040053), excluding the following sections of the Annual Report on the Remuneration of BBVA Directors: (i) &#8220;Executive summary of remunerations 2022&#8221; and (ii) section 4.3 B.(a) - &#8220;Annual Variable Remuneration 2022&#8221;.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(**)  Incorporated by reference to BBVA&#8217;s Annual Report on Form 20-F for the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We will furnish to the Commission, upon request, copies of any unfiled instruments that define the rights of holders of our long-term debt.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">207</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_481"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirements of Section 12 of the Securities Exchange Act of 1934, the Registrant certifies that it meets all of the requirements for filing on Form 20-F and had duly caused this Annual Report to be signed on its behalf by the undersigned, thereto duly authorized. </span></div><div style="margin-bottom:10pt;margin-top:10pt"><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:84.571%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">By:</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">/s/ Rafael Salinas Mart&#237;nez de Lecea</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Name:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;Rafael Salinas Mart&#237;nez de Lecea</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Title:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Chief Financial Officer</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt"><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Date: March 6, 2023</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">208</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_484"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_487"></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-indent:-28.35pt"><span><br/></span></div><div style="margin-bottom:10pt"><span><br/></span></div><div style="margin-bottom:10pt"><span><br/></span></div><div style="margin-bottom:10pt"><span><br/></span></div><div style="padding-left:28.35pt"><span style="color:#0070c0;font-family:'Arial',sans-serif;font-size:38pt;font-weight:700;line-height:115%"> </span></div><div style="padding-left:28.35pt"><span><br/></span></div><div style="padding-left:28.35pt"><span style="color:#0070c0;font-family:'Arial',sans-serif;font-size:38pt;font-weight:700;line-height:115%">Consolidated Financial Statements and Reports of Independent Registered Public Accounting Firms for the years 2022, 2021 and 2020</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_490"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;padding-left:28.35pt;text-indent:-28.35pt"><span><br/></span></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:28pt;font-weight:400;line-height:120%">Contents</span></div><div style="text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:112%">CONSOLIDATED FINANCIAL STATEMENTS</span></div><div style="margin-bottom:14pt;margin-top:14pt;padding-right:14.1pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.903%"><tr><td style="width:1.0%"></td><td style="width:90.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.204%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_499">Consolidated balance sheets</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_499">4</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_502">Consolidated income statements</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_502">7</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_505">Consolidated statements of recognized income and expense</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_505">9</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_508">Consolidated statements of changes in equity</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_508">10</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_511">Consolidated statements of cash flows</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_511">13</a></span></div></td></tr></table></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:112%">NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-right:14.1pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.903%"><tr><td style="width:1.0%"></td><td style="width:90.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.204%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_517">1. Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_517">14</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_541">2. Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_541">16</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_619">3. BBVA Group</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_619">40</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_625">4. Shareholder remuneration system</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_625">42</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_631">5. Earnings per share</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_631">45</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_634">6. Operating segment reporting</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_634">46</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_637">7. Risk management</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_637">47</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_727">8. Fair value of financial instruments</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_727">97</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_763">9. Cash, cash balances at central banks and other demand deposits</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_763">109</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_766">10. Financial assets and liabilities held for trading</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_766">109</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_775">11. Non-trading financial assets mandatorily at fair value through profit or loss</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_775">110</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_778">12. Financial assets and liabilities designated at fair value through profit or loss</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_778">111</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_781">13. Financial assets at fair value through other comprehensive income</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_781">111</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_796">14. Financial assets at amortized cost</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_796">115</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_808">15. Hedging derivatives and fair value changes of the hedged items in portfolio hedges of interest rate risk</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_808">118</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_817">16. Investments in joint ventures and associates </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_817">121</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_829">17. Tangible assets</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_829">123</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_832">18. Intangible assets</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_832">126</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_844">19. Tax assets and liabilities</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_844">128</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_862">20. Other assets and liabilities </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_862">132</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_865">21. Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale    </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_865">132</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_868">22. Financial liabilities at amortized cost</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_868">137</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_892">23. Assets and liabilities under insurance and reinsurance contracts</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_892">142</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_895">24. Provisions</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_895">143</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_901">25. Post-employment and other employee benefit commitments</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_901">144</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_934">26. Common stock</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_934">151</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_949">27. Share premium</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_949">153</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_952">28. Retained earnings, revaluation reserves and other reserves </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_952">153</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_967">29. Treasury shares</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_967">155</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_970">30. Accumulated other comprehensive income (loss)</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_970">156</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_973">31. Non-controlling interest</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_973">156</a></span></div></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-right:14.1pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.903%"><tr><td style="width:1.0%"></td><td style="width:90.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.204%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_976">32. Capital base and capital management</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_976">157</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_988">33. Commitments and guarantees given</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_988">161</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_991">34. Other contingent assets and liabilities</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_991">162</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_994">35. Purchase and sale commitments and future payment obligations</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_994">162</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_997">36. Transactions on behalf of third parties</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_997">162</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1000">37. Net interest income</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1000">162</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1009">38. Dividend income</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1009">163</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1012">39. Share of profit or loss of entities accounted for using the equity method</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1012">163</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1015">40. Fee and commission income and expense</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1015">163</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1018">41. Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1018">164</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1024">42. Other operating income and expense </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1024">165</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1027">43. Income and expense from insurance and reinsurance contracts</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1027">165</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1030">44. Administration costs</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1030">166</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1042">45. Depreciation and amortization </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1042">168</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1045">46. Provisions or reversal of provisions</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1045">168</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1048">47. Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1048">169</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1051">48. Impairment or reversal of impairment of investments in joint ventures and associates</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1051">169</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1054">49. Impairment or reversal of impairment on non-financial assets </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1054">169</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1057">50. Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1057">169</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1060">51. Consolidated statements of cash flows </a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1060">170</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1063">52. Accountant fees and services</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1063">170</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1066">53. Related-party transactions</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1066">171</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1081">54. Remuneration and other benefits for the Board of Directors and members of the Bank's Senior Management</a></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1081">172</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1084">55. Other information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1084">178</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1087">56. Subsequent events</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1087">178</a></span></div></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;padding-right:14.1pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:14pt;margin-top:14pt;padding-right:14.1pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDICES</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-right:14.1pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.903%"><tr><td style="width:1.0%"></td><td style="width:90.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.204%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1093">APPENDIX I. Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 202</a>2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1093">180</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1096">APPENDIX II. Additional information on investments joint ventures and associates in the BBVA Group as of December 31, 202</a>2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1096">186</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1099">APPENDIX III. Changes and notifications of participations in the BBVA Group in 202</a>2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1099">187</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1102">APPENDIX IV. Fully consolidated subsidiaries with more than 10% owned by non-Group shareholders as of December 31, 202</a>2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1102">189</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1105">APPENDIX V. BBVA Group&#8217;s structured entities as of December 31, 202</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1105">2</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1105">. Securitization funds</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1105">190</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1108">APPENDIX VI. Details of the outstanding subordinated debt and preferred securities issued by the Bank or entities in the Group consolidated as of December 31, 202</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1108">2</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1108">, 202</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1108">1</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1108"> and 20</a>20</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1108">191</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1111">APPENDIX VII Consolidated balance sheets held in foreign currency as of December 31, 202</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1111">2</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1111">, 202</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1111">1</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1111"> and 20</a>20</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1111">194</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1114">APPENDIX VIII. Quantitative information on refinancing and restructuring operations and other requirement under Bank of Spain Circular 6/2012</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1114">195</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1126">APPENDIX IX. Additional information on risk concentration</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F-<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#ic25a9b4cbc7f49d6826e33bf7238c6f1_1126">204</a></span></div></td></tr></table></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">GLOSSARY</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span><br/></span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_493"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:center"><span><br/></span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Report of Independent Registered Public Accounting Firm</span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:center"><span><br/></span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">To the Shareholders and Board of Directors </span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A.:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Opinion on the Financial Statements</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We have audited the accompanying consolidated balance sheet of Banco Bilbao Vizcaya Argentaria, S.A. (the Company) as of December 31, 2022, the related consolidated statements of income, recognized income and expense, changes in equity, and cash flows for the year then ended, and the related notes (collectively referred to as the &#8220;consolidated financial statements&#8221;). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2022, and the results of its operations and its cash flows for the year then ended, in conformity with International Financial Reporting Standards as issued by the International Accounting Standards Board.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company&#8217;s internal control over financial reporting as of December 31, 2022, based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report dated March 6, 2023 expressed an unqualified opinion thereon.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Basis for Opinion</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on the Company&#8217;s financial statements based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audit included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audit provides a reasonable basis for our opinion.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Critical Audit Matters</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:16.003%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:81.797%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">Expected credit losses related to loans and advances to customers</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">Description of the Matter</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">As discussed in note 7 to the consolidated financial statements, the Company&#8217;s expected credit losses (ECL) related to loans and advances to customers was &#8364;11,237 million as of December 31, 2022. The recognition and measurement of ECL is complex and involves the use of significant analysis and estimation, including formulation and incorporation of forward-looking economic conditions into the ECL model.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Auditing the assessment of the ECL related to loans and advances to customers involved subjective and complex auditor judgment as well as specialized skills and knowledge due to significant measurement uncertainty, including: (i) the Company&#8217;s overall methodology for estimating ECL related to loans and advances to customers, inclusive of the models and significant assumptions used to estimate the probability of default (PD), exposure at default (EAD) and loss given default (LGD), (ii) the need for and measurement of certain qualitative adjustments to the collective ECL, (iii) the significant assumptions used to estimate the ECL for certain individually evaluated loans, including the present value of estimated future cashflows and the estimation of the recoverable amount of collateral, (iv) the complexity of mathematical calculations of the ECL of loans collectively and individually evaluated for impairment, and (v) the maintenance of updated and accurate relevant data elements and assumptions, including forward-looking information that could be affected by future economic conditions.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-1</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:16.003%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:81.797%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">How We Addressed the Matter in Our Audit</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">We obtained an understanding, evaluated the design and tested the operating effectiveness of controls over the Company&#8217;s ECL assessment process related to loans and advances to customers, which included controls over management&#8217;s review of the data, models and assumptions used in the estimation process, including adjustments to the models.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Our audit procedures, in which we involved professionals with specialized skills and knowledge, included, among others: (i) evaluating the Company&#8217;s ECL methodology, (ii) evaluating a sample of models used in calculating the PD, EAD and LGD by inspecting model documentation, assessing the theoretical soundness and ongoing performance of the models, which included assessing the methodologies used and the assumptions incorporated into the models by management, (iii) assessing the need for and measurement of certain qualitative adjustments to the ECL by inspecting the documentation supporting the adjustment, evaluating the inputs and assumptions used by management and recalculating the amounts measured, (iv) recalculating the ECL for a sample of collective models and a sample of loans individually evaluated for impairment, including the present value of estimated future cashflows, and (v) testing the accuracy of underlying relevant data elements for a sample of loans by comparing it to contractual documentation and, for the forward-looking information, developing independent estimates of future economic conditions and comparing them to management&#8217;s estimates.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">We also involved valuation specialists who assisted in testing the significant assumptions used to estimate the ECL for a sample of individually evaluated loans, by comparing management&#8217;s estimated recoverable amount of collateral to an independent range estimate for a sample of collaterals.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">We assessed the adequacy of the related disclosures in the Company&#8217;s consolidated financial statements.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">Measurement of fair value of certain financial instruments</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">Description of the Matter</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">As discussed in note 8 to the consolidated financial statements, the Company has recorded &#8364;179,343 million of financial assets measured at fair value (of which &#8364;97,911 million were classified as Level 2 and &#8364;3,850 million were classified as Level 3) and &#8364;109,495 million of financial liabilities measured at fair value (of which &#8364;86,040 million were classified as Level 2 and &#8364;2,744 million were classified as Level 3) as of December 31, 2022. Fair value measurement of Level 2 and Level 3 financial instruments is based on valuation techniques, hypothesis and observable and unobservable inputs.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">We identified as a critical audit matter the measurement of fair value of those financial instruments classified as Level 2 and Level 3 that require complex valuation techniques that use observable and unobservable market inputs and involve the application of management judgement, as further disclosed in note 8.1.1. Specifically, there was a high degree of subjectivity and judgment involved in evaluating the models and methodologies used to estimate the fair value of these financial instruments. Subjective auditor judgment was also required to evaluate the models&#8217; significant inputs and/or assumptions, which were not directly observable in financial markets, such as certain interest rates, correlations and volatility inputs.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">How We Addressed the Matter in Our Audit</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">We obtained an understanding, evaluated the design and tested the operating effectiveness of the Company&#8217;s internal controls over the Company&#8217;s fair value measurement of Level 2 and Level 3 financial instruments assessment process. For example, management&#8217;s controls over the development and approval and/or reassessment of the Company&#8217;s valuation models and methodologies.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Our audit procedures, in which we involved professionals with specialized skills and knowledge, included, among others, evaluating the Company&#8217;s valuation models and methodologies by performing an independent revaluation of a sample of Level 2 and Level 3 financial instruments using independent models and inputs, and comparing our estimate to the Company&#8217;s fair value estimate.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">We assessed the adequacy of the related disclosures in the Company&#8217;s consolidated financial statements.</span></div><div style="margin-bottom:0.1pt"><span><br/></span></div></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">/s/ Ernst &amp; Young, S.L.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We have served as the Company&#8217;s auditor since 2022.</span></div><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Madrid, Spain</span></div><div style="margin-bottom:4pt;margin-top:1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 6, 2023</span></div><div style="margin-bottom:1pt"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-2</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Report of Independent Registered Public Accounting Firm</span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">To the Shareholders and Board of Directors </span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A.:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Opinion on the Consolidated Financial Statements</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We have audited the accompanying consolidated balance sheets of Banco Bilbao Vizcaya Argentaria, S.A. and subsidiaries (the Company) as of December 31, 2021 and 2020, the related consolidated statements of income, recognized income and expense, changes in equity, and cash flows for the years then ended, and the related notes (collectively, the consolidated financial statements). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for the years then ended, in conformity with International Financial Reporting Standards as issued by the International Accounting Standards Board.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Basis for Opinion</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These consolidated financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. We believe that our audits provide a reasonable basis for our opinion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">/s/ KPMG Auditores, S.L.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">We served as the Company&#8217;s auditor from 2017 to 2021.</span></div><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Madrid, Spain</span></div><div style="margin-bottom:4pt;margin-top:1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">March 4, 2022</span></div><div style="margin-bottom:4pt;margin-top:1pt"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-3</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_496"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_499"></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Consolidated balance sheets as of December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.304%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEMAND DEPOSITS</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzItMi0xLTEtNzE0Nzc0_950aacd5-65e1-4a12-ab68-a5176fa23f47">79,756</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzItMy0xLTEtNzE0Nzc0_82f41017-83cf-4d99-9afe-4d6ca5b0ffda">67,799</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzItNC0xLTEtNzE0Nzc0_3c71e13c-b882-4ce9-893a-06cf9aab0758">65,520</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL ASSETS HELD FOR TRADING</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMtMi0xLTEtNzE0Nzc0_3daabfce-897d-412d-bc39-984a0bd69aa5">110,671</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMtMy0xLTEtNzE0Nzc0_097db77e-1366-4af5-b39b-9fae20eb70db">123,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMtNC0xLTEtNzE0Nzc0_ce50a722-d1b5-48ad-84de-af54a8ac5305">105,878</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQtMi0xLTEtNzE0Nzc0_4dac9f36-bf64-4930-b425-d553208cab70">39,908</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQtMy0xLTEtNzE0Nzc0_cf8b6f62-761b-472f-a31c-5e344b08e7ea">30,933</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQtNC0xLTEtNzE0Nzc0_7b97b324-4e5a-4a78-87ee-a4a9e2860683">40,183</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:EquityInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUtMi0xLTEtNzE0Nzc0_99ff803f-d68c-4d46-95d7-3fa804400c11">4,404</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:EquityInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUtMy0xLTEtNzE0Nzc0_a6f63968-401c-49c8-b3a4-cc7ab4d84687">15,963</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:EquityInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUtNC0xLTEtNzE0Nzc0_1ae36f49-56c5-4a60-bc5a-6a7b63dc0341">11,458</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYtMi0xLTEtNzE0Nzc0_ea3353ca-be68-4858-96e5-76077555d8bc">24,367</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYtMy0xLTEtNzE0Nzc0_90ce18b2-9ea7-47f8-b120-1b30b9c28652">25,790</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYtNC0xLTEtNzE0Nzc0_fbf26922-06e0-4de8-ab36-a2c3ed0057ae">23,970</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzgtMi0xLTEtNzE0Nzc0_5cc570f2-3470-49c7-b5e8-e98dd8b0b7b1">1,632</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzgtMy0xLTEtNzE0Nzc0_877daf94-7c2d-4ccc-9aeb-46d8deafc111">3,467</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzgtNC0xLTEtNzE0Nzc0_4d7cf940-82b0-491a-a4f6-b052b944a55b">53</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzktMi0xLTEtNzE0Nzc0_79330cd4-555b-48b8-a417-3fccd44ecdec">25,231</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzktMy0xLTEtNzE0Nzc0_822fb0a7-cb18-452a-bf61-a4cfd85f8cf0">31,916</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzktNC0xLTEtNzE0Nzc0_d682a611-3c2a-4761-b7bc-5e656d9dc374">18,317</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersHeldForTradingAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEwLTItMS0xLTcxNDc3NA_02ebb7b6-c138-4233-ad38-207d7a1d0798">15,130</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersHeldForTradingAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEwLTMtMS0xLTcxNDc3NA_4a4b70e5-84d0-4ac2-8876-31af1a8503db">15,424</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersHeldForTradingAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEwLTQtMS0xLTcxNDc3NA_69a2aaac-9bdf-42de-b3f0-cea62e75b0d5">11,898</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzExLTItMS0xLTcxNDc3NA_f3f9c57d-8347-4b04-bb74-4effb3ea9639">6,888</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzExLTMtMS0xLTcxNDc3NA_dd874cec-bd68-4d12-8e28-0b11c318282c">6,086</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzExLTQtMS0xLTcxNDc3NA_d1f23e97-af4e-471b-a1c1-5588877a4f6d">5,198</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:EquityInstrumentsMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEyLTItMS0xLTcxNDc3NA_821d61e4-18b0-428a-97ed-298318c9bbaf">6,511</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:EquityInstrumentsMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEyLTMtMS0xLTcxNDc3NA_3869c4c7-fe08-41a4-9a1c-52f5cf12f24b">5,303</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:EquityInstrumentsMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEyLTQtMS0xLTcxNDc3NA_b79c4e41-d03d-4d4c-a2f5-ecb40f97cdb8">4,133</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEzLTItMS0xLTcxNDc3NA_79806392-adab-4ee5-be0e-170b58e4b2f5">129</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEzLTMtMS0xLTcxNDc3NA_cd012d07-8253-429d-aed6-c5bd63e32549">128</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzEzLTQtMS0xLTcxNDc3NA_34743d98-8243-43d8-8213-51ca2b53eeee">356</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE3LTItMS0xLTcxNDc3NA_abdf323b-c117-4bfe-86b2-7eae6068e80e">247</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE3LTMtMS0xLTcxNDc3NA_1a740eb7-e6f9-45f6-910c-c83154909de7">655</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE3LTQtMS0xLTcxNDc3NA_df35f760-af15-4724-bc48-adde0853b9b2">709</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE4LTItMS0xLTcxNDc3NA_316b0fce-f91b-4ebb-bd1d-d0ca165a87a3">913</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE4LTMtMS0xLTcxNDc3NA_573eb464-c9aa-4cc4-bebb-66a7c61e7fca">1,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE4LTQtMS0xLTcxNDc3NA_60363806-da52-403e-a3d0-1b5130673f4a">1,117</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE5LTItMS0xLTcxNDc3NA_0111614a-2edb-4752-832e-fbc9f161f60f">913</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE5LTMtMS0xLTcxNDc3NA_61dd9537-bd38-40cb-bea0-01982ed20148">1,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzE5LTQtMS0xLTcxNDc3NA_f3585f41-abcd-4614-8643-56dffe51069e">1,117</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI1LTItMS0xLTcxNDc3NA_c425417e-f335-4fe8-8102-b7b356a4353b">58,980</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI1LTMtMS0xLTcxNDc3NA_a307f10e-832d-4f92-bd81-d23922fc8a1e">60,421</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI1LTQtMS0xLTcxNDc3NA_f185257c-798a-48a8-9ab1-eba2f5438c7f">69,440</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI2LTItMS0xLTcxNDc3NA_86c94294-687e-4308-b40b-e3f38cf89eae">1,198</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI2LTMtMS0xLTcxNDc3NA_df320071-8b8c-4b6e-a90a-2b8f5247feb3">1,320</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI2LTQtMS0xLTcxNDc3NA_5dfa6238-bac6-496b-8300-73f5b947dde3">1,100</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI3LTItMS0xLTcxNDc3NA_3124e4b5-dc15-4604-84e2-d0043a5b6743">57,755</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI3LTMtMS0xLTcxNDc3NA_6b1dd8af-796b-4cac-8156-bf7a708ef149">59,074</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzI3LTQtMS0xLTcxNDc3NA_4b2a2468-1233-43c0-adc6-f63839e88783">68,308</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMwLTItMS0xLTcxNDc3NA_a22279b4-6137-4b2c-91b1-79ddb3519c22">26</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMwLTMtMS0xLTcxNDc3NA_a0de5a5a-3685-4efa-a57e-fc27a86e886c">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMwLTQtMS0xLTcxNDc3NA_92792be7-1691-40e3-ad01-e1ae474b0852">33</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL ASSETS AT AMORTIZED COST</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMyLTItMS0xLTcxNDc3NA_0dbbaf42-11db-4d81-afae-0053eebf1fb2">422,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMyLTMtMS0xLTcxNDc3NA_ac2b5332-9756-4525-b50e-d9e5d0f7010a">372,676</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMyLTQtMS0xLTcxNDc3NA_57fc714a-2387-48bc-a97f-7e34b375bbb6">367,668</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMzLTItMS0xLTcxNDc3NA_d479655e-7cb5-48b5-8416-404aa977ece8">43,606</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMzLTMtMS0xLTcxNDc3NA_1864239e-6845-4e7f-9e86-c11ea1bf3811">34,781</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzMzLTQtMS0xLTcxNDc3NA_90e78342-4d39-4206-9363-815826125f01">35,737</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM1LTItMS0xLTcxNDc3NA_9dd17db7-1caa-4125-bc96-5c3072f1e107">4,401</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM1LTMtMS0xLTcxNDc3NA_c4c0d409-e889-4397-b9fa-1e31aa928621">5,681</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM1LTQtMS0xLTcxNDc3NA_486eb08b-960e-4f7d-ad35-24bcb0765816">6,209</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM2LTItMS0xLTcxNDc3NA_a8f170fa-d543-4b49-8902-56a564b144bf">16,031</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM2LTMtMS0xLTcxNDc3NA_f8e276ee-93f3-4486-a57e-38f0689377b4">13,276</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM2LTQtMS0xLTcxNDc3NA_172f5799-abd8-4091-8e04-61698d3220d1">14,575</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM3LTItMS0xLTcxNDc3NA_b00e38d2-11ed-40d1-a6fb-0ba1bba88a3f">358,023</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM3LTMtMS0xLTcxNDc3NA_39205e5c-0103-4e3a-b87c-6e37aec7eb1b">318,939</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM3LTQtMS0xLTcxNDc3NA_0e9db037-5c88-4c2e-8abb-10e2091eff0e">311,147</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">DERIVATIVES - HEDGE ACCOUNTING</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM4LTItMS0xLTcxNDc3NA_c363e931-a4b0-44d6-b350-a3cb1770219e">1,891</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM4LTMtMS0xLTcxNDc3NA_52bac9eb-485b-47ed-8205-cda2e0f3216f">1,805</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM4LTQtMS0xLTcxNDc3NA_bf2a72bd-bb52-4832-a8a2-b3b0f44c201a">1,991</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM5LTItMS0xLTcxNDc3NA_1062831e-344c-4204-bb7b-85a043096d17">148</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM5LTMtMS0xLTcxNDc3NA_7a825f87-22da-4e82-bf13-32b8a2797d73">5</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzM5LTQtMS0xLTcxNDc3NA_bd955639-a3d6-4ff8-85a5-345d6cad6da4">51</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">JOINT VENTURES AND ASSOCIATES</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQwLTItMS0xLTcxNDc3NA_fe5632d2-161d-407d-85c3-62d235811cae">916</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQwLTMtMS0xLTcxNDc3NA_1b64c4bb-1900-4c70-8a9c-d138d4bbfcae">900</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQwLTQtMS0xLTcxNDc3NA_5e8755f9-2ba4-4a48-a81b-bf4d58e1bb14">1,437</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Joint ventures</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQyLTItMS0xLTcxNDc3NA_540b0d77-084f-4c48-bd8b-4faf64f4d5e9">100</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQyLTMtMS0xLTcxNDc3NA_23b9ff6b-4c22-48c4-a647-b515b0e63787">152</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQyLTQtMS0xLTcxNDc3NA_8f914bf3-ada7-4bd6-b301-1d010291c8bc">149</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Associates</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQzLTItMS0xLTcxNDc3NA_f482889a-57f8-4245-82a9-266909562e2c">816</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQzLTMtMS0xLTcxNDc3NA_7cc4aa6f-b4ed-4d39-a06c-9246720464e1">749</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQzLTQtMS0xLTcxNDc3NA_b7a97ec5-c699-46f9-b27a-c5bb1994c0ea">1,288</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">INSURANCE AND REINSURANCE ASSETS</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ0LTItMS0xLTcxNDc3NA_1ee3695c-948a-44f9-9047-db56c84c8c68">210</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ0LTMtMS0xLTcxNDc3NA_29f7d6af-ad43-4d3b-bbc9-08077a613659">269</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ0LTQtMS0xLTcxNDc3NA_050b36a2-6d8b-4a90-b41b-198132eff95b">306</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TANGIBLE ASSETS</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ1LTItMS0xLTcxNDc3NA_7f6d2edf-e695-4ac7-ab58-d418d2ea9b18">8,737</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ1LTMtMS0xLTcxNDc3NA_63d98512-b0f1-4312-aeba-61de4ca9549a">7,298</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ1LTQtMS0xLTcxNDc3NA_f703fe34-de98-4a6e-b836-13564a5785fe">7,823</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Properties, plant and equipment</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ2LTItMS0xLTcxNDc3NA_f1f51fac-2efb-45e0-9cb0-05a760b88419">8,441</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ2LTMtMS0xLTcxNDc3NA_595be717-794f-418e-a6ae-c92742a4737b">7,107</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ2LTQtMS0xLTcxNDc3NA_a2a5aa1d-9a77-44b9-bee0-dedd046bfa7a">7,601</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">For own use</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:PropertyPlantAndEquipmentForOwnUse" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ3LTItMS0xLTcxNDc3NA_b62dc683-00a6-472a-a5be-948d8733e150">7,911</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:PropertyPlantAndEquipmentForOwnUse" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ3LTMtMS0xLTcxNDc3NA_9d090141-cb33-44d7-bfa6-13b1a0da1b94">6,874</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:PropertyPlantAndEquipmentForOwnUse" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ3LTQtMS0xLTcxNDc3NA_bfde4b66-6648-4b55-b4ec-703e6e99ce3c">7,311</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets leased out under an operating lease</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:AssetsLeasedOutUnderAnOperatingLease" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ4LTItMS0xLTcxNDc3NA_c6564088-ea9f-4200-a5fd-bbe1c9086e37">530</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AssetsLeasedOutUnderAnOperatingLease" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ4LTMtMS0xLTcxNDc3NA_f3f1db8d-4b1b-465e-b40f-c2e5ee77dd24">233</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AssetsLeasedOutUnderAnOperatingLease" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzQ4LTQtMS0xLTcxNDc3NA_7625aef1-5339-4487-befc-c46274709471">290</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment properties</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUwLTItMS0xLTcxNDc3NA_aa04e76c-7882-476a-a251-ff137653b017">296</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUwLTMtMS0xLTcxNDc3NA_1a4fb511-65f7-4cb2-a487-a5c54f5f3ac7">191</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUwLTQtMS0xLTcxNDc3NA_632987d3-c30d-4cc0-9826-b23a526650bc">222</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">INTANGIBLE ASSETS </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUyLTItMS0xLTcxNDc3NA_ba53aa45-2e10-42a8-b4f3-5182c91e2b48">2,156</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUyLTMtMS0xLTcxNDc3NA_ffa2c4b1-7201-44cd-b15c-f78aa49866c3">2,197</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUyLTQtMS0xLTcxNDc3NA_c90e00dc-8ce5-41c9-a7e9-6ad0b9475b53">2,345</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUzLTItMS0xLTcxNDc3NA_c50730d8-dd2e-45f3-9c70-54fe5f46988e">707</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUzLTMtMS0xLTcxNDc3NA_3ffef8f3-d83f-4f07-a597-e4062375f7fa">818</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzUzLTQtMS0xLTcxNDc3NA_4ab51770-d32f-4275-8c3b-ed00f474f2cb">910</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other intangible assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU0LTItMS0xLTcxNDc3NA_c2f0b17c-896d-4b34-a59d-396ebfe19ee3">1,449</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU0LTMtMS0xLTcxNDc3NA_da722303-9660-48d3-a81a-22752fc28ba8">1,379</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU0LTQtMS0xLTcxNDc3NA_9d93a97d-0083-4b2c-8c0e-5be8addafdf8">1,435</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TAX ASSETS</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU1LTItMS0xLTcxNDc3NA_6a3e6549-6b51-4262-97a2-45317619f567">16,472</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU1LTMtMS0xLTcxNDc3NA_73d2129f-97d0-4400-8da0-b6c501b1f547">15,850</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU1LTQtMS0xLTcxNDc3NA_325f28a1-2111-43e1-beb7-63cd4d2024f1">16,526</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax assets</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU2LTItMS0xLTcxNDc3NA_2b5060f4-99e7-40c4-98c2-6c1cef4cd386">1,978</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU2LTMtMS0xLTcxNDc3NA_58f068d9-659a-453e-9ecf-eb9965100979">932</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU2LTQtMS0xLTcxNDc3NA_9ad19937-659d-4223-ab81-09335673b7f1">1,199</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax assets </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU3LTItMS0xLTcxNDc3NA_3d46c88e-6dd9-4a2d-95dd-195695ee98c2">14,494</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU3LTMtMS0xLTcxNDc3NA_1e636016-1702-43a9-bfc8-8c7c0b245a73">14,917</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU3LTQtMS0xLTcxNDc3NA_056c6333-31cf-4574-a16a-d3a8c18c96f1">15,327</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">OTHER ASSETS </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU4LTItMS0xLTcxNDc3NA_8d2a718b-9ca4-4589-b01e-2beb29eb876c">2,614</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU4LTMtMS0xLTcxNDc3NA_bbd5af56-52a7-4a97-b24d-62d6376b2d33">1,934</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU4LTQtMS0xLTcxNDc3NA_9d201604-29da-4942-a202-95b06920bfcc">2,513</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contracts linked to pensions</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU5LTItMS0xLTcxNDc3NA_b4923d16-9ba2-4dfa-9ae8-c6b852d44608">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU5LTMtMS0xLTcxNDc3NA_fe1b6a01-ed5d-4474-a55c-4fb6c4cb5826">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzU5LTQtMS0xLTcxNDc3NA_62ab2710-00a2-42c9-94fc-2e1bcc87c8ad">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inventories</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYwLTItMS0xLTcxNDc3NA_4ae2d3f5-fb96-4e6d-93af-2bba9179aff0">325</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYwLTMtMS0xLTcxNDc3NA_6f5ca0ce-29a8-4fb0-b7a1-0916e16ccdec">424</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYwLTQtMS0xLTcxNDc3NA_19271290-8382-49a1-866f-1505ce0ca7a5">572</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:RestOtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYxLTItMS0xLTcxNDc3NA_025b16a5-f674-4b9a-8c81-786f614223c8">2,289</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:RestOtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYxLTMtMS0xLTcxNDc3NA_80bf7717-7ab9-45cb-99d1-9b8a3ffcb420">1,510</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:RestOtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYxLTQtMS0xLTcxNDc3NA_29beee1b-68cb-437e-b311-d53cca18bccf">1,941</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">NON-CURRENT ASSETS AND DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE </span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYyLTItMS0xLTcxNDc3NA_c2434c6d-37ee-463a-8a7f-83a49e021eeb">1,022</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYyLTMtMS0xLTcxNDc3NA_1594cd17-8566-4a94-91a5-03eac332de1f">1,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYyLTQtMS0xLTcxNDc3NA_dfcb371b-5412-4ff3-a4df-314b7ca5f4e7">85,987</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 / 6</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYzLTItMS0xLTcxNDc3NA_27d2d7f2-e29f-4183-b251-072ea22630b0">713,140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYzLTMtMS0xLTcxNDc3NA_c2489f33-5295-4a16-b163-e2ceeeaae82a">662,885</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2ZjhlNWJmOTFkYTU0YWFhOWM0NWYzMzk5NTJhYzhlZC90YWJsZXJhbmdlOjZmOGU1YmY5MWRhNTRhYWE5YzQ1ZjMzOTk1MmFjOGVkXzYzLTQtMS0xLTcxNDc3NA_2f1b5255-db69-44ab-b333-fb4f50a54cf2">733,797</ix:nonFraction></span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-4</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated balance sheets as of December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.448%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES AND EQUITY (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL LIABILITIES HELD FOR TRADING </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzItMi0xLTEtNzE0Nzc0_c3ad9a4f-6b9e-4b30-aa00-2cf5cc6ef1e7">95,611</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzItMy0xLTEtNzE0Nzc0_bf68645a-e0da-424e-826b-b31fd734923e">91,135</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzItNC0xLTEtNzE0Nzc0_5af5b2d8-5efe-4628-aea6-a6f5d44d5a8e">84,109</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMtMi0xLTEtNzE0Nzc0_341f16fe-e87b-40a1-9a28-cccde91907bd">37,909</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMtMy0xLTEtNzE0Nzc0_88c67f63-cd07-4a1d-afd5-606d4737c30c">31,705</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMtNC0xLTEtNzE0Nzc0_0e304c2f-62e5-4721-9b40-20f7ef98f9c3">41,680</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ShortPositionsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQtMi0xLTEtNzE0Nzc0_70971e70-5dc2-4e01-8b7b-3f1da3372ac8">13,487</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ShortPositionsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQtMy0xLTEtNzE0Nzc0_477d00cb-2439-4e85-a7ed-02c013205a9c">15,135</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ShortPositionsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQtNC0xLTEtNzE0Nzc0_76562095-a627-4b77-aac3-956778bee21e">12,312</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzYtMi0xLTEtNzE0Nzc0_2050b7f2-42d9-45cc-ac27-515c2a612f3c">3,950</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzYtMy0xLTEtNzE0Nzc0_bbce27e0-bfc2-48ae-89b5-93f08e4d7292">11,248</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzYtNC0xLTEtNzE0Nzc0_060e8a32-4790-4c64-bd19-361371467fad">6,277</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DepositsFromCreditInstitutionsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzctMi0xLTEtNzE0Nzc0_ae2323bf-0a2c-4076-97ab-8a5790feb0b9">28,924</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DepositsFromCreditInstitutionsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzctMy0xLTEtNzE0Nzc0_cf8e53ad-6925-4cfe-bdf1-3ebeab2a5e41">16,176</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DepositsFromCreditInstitutionsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzctNC0xLTEtNzE0Nzc0_ec881277-cd15-4889-bff2-63d24dc26dfc">14,377</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CustomerDepositsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzgtMi0xLTEtNzE0Nzc0_0310c344-05e6-4909-abb1-527ba2ab64c7">11,341</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CustomerDepositsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzgtMy0xLTEtNzE0Nzc0_d1a04b11-a4b1-4945-9e5c-879764a465f6">16,870</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CustomerDepositsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzgtNC0xLTEtNzE0Nzc0_4147a151-4271-4800-b7a9-30bef7b72f14">9,463</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzExLTItMS0xLTcxNDc3NA_c109f47f-5b7a-47e3-9267-a0ac3d2fda36">10,580</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzExLTMtMS0xLTcxNDc3NA_a2cd9451-78b4-4c5e-9916-5b6468bf90cc">9,683</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzExLTQtMS0xLTcxNDc3NA_00ee7a8b-9f46-4aea-b071-1127ccec543f">10,050</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CustomerDepositsAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE1LTItMS0xLTcxNDc3NA_c4b4821c-804a-4217-beab-0cb0118e5bf1">700</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CustomerDepositsAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE1LTMtMS0xLTcxNDc3NA_77a49f17-44e7-4791-914a-3283bd459263">809</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CustomerDepositsAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE1LTQtMS0xLTcxNDc3NA_4f31f49c-f721-45bc-80f5-bb02e70d42aa">902</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt certificates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtCertificatesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE2LTItMS0xLTcxNDc3NA_88f3dc93-6998-40d2-9c05-ea6d2bd4be43">3,288</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtCertificatesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE2LTMtMS0xLTcxNDc3NA_2482328e-8288-44ef-951c-e82b2116370a">3,396</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtCertificatesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE2LTQtMS0xLTcxNDc3NA_94a73e8d-3bf3-44cf-9616-d07f646371f7">4,531</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE3LTItMS0xLTcxNDc3NA_bc83eac7-c395-480a-8ab9-c93895800725">6,592</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE3LTMtMS0xLTcxNDc3NA_467da439-8440-46ae-9278-d0cc9e5083e2">5,479</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE3LTQtMS0xLTcxNDc3NA_d2fa9030-e346-4df3-8baa-86e964d940a7">4,617</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Memorandum item: Subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SubordinatedLiabilitiesAtFairValueMemorandumItem" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE4LTItMS0xLTcxNDc3NA_91d4f034-fcb7-4080-be4b-20a86f87f164">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SubordinatedLiabilitiesAtFairValueMemorandumItem" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE4LTMtMS0xLTcxNDc3NA_aeb0f81c-ccd9-42e1-bf17-7f4ed7e2ffb4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SubordinatedLiabilitiesAtFairValueMemorandumItem" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE4LTQtMS0xLTcxNDc3NA_172907b8-a455-4176-9087-71aca5ffcc95">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FINANCIAL LIABILITIES AT AMORTIZED COST </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE5LTItMS0xLTcxNDc3NA_d16b5147-963e-4f9e-93e8-403a612a8260">528,629</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE5LTMtMS0xLTcxNDc3NA_7fe43a40-2de1-4d42-b577-60409091a017">487,893</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzE5LTQtMS0xLTcxNDc3NA_62f4c18c-0bcd-412d-8096-06cd48097a09">490,606</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIxLTItMS0xLTcxNDc3NA_40feab40-0325-4309-9862-e45b7032e230">38,323</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIxLTMtMS0xLTcxNDc3NA_2c6b327e-b2fc-460f-9d28-d19d9e725fe3">47,351</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIxLTQtMS0xLTcxNDc3NA_a689bc4f-f3a2-4412-b5a7-a0924be4d0c0">45,177</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIyLTItMS0xLTcxNDc3NA_ed71c1f4-faef-4c63-acd2-12e7ff45469e">26,935</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIyLTMtMS0xLTcxNDc3NA_86a897f9-5f92-4b11-b5ec-e093d6a142e2">19,834</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIyLTQtMS0xLTcxNDc3NA_68e7cc2c-0fd8-4752-82c2-3c923660ab5e">27,629</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIzLTItMS0xLTcxNDc3NA_2aa89ef3-8e23-472f-83a7-8d0ec527ea05">393,856</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIzLTMtMS0xLTcxNDc3NA_82fbe202-4e67-4358-9980-ef7b728f20e4">349,761</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzIzLTQtMS0xLTcxNDc3NA_e8f1c772-3311-4b7a-bfd9-e7d5e86c8ff8">342,661</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt certificates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI0LTItMS0xLTcxNDc3NA_5d92f495-fef7-43da-b7d9-d501e5e28895">55,429</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI0LTMtMS0xLTcxNDc3NA_53c83465-52df-4d45-982a-8689169ddfbe">55,763</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI0LTQtMS0xLTcxNDc3NA_b7352857-e703-424a-9ac9-d59b6b48dd20">61,780</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI1LTItMS0xLTcxNDc3NA_d1f8dc98-f8bc-438d-9ba7-86d50f6fbde5">14,086</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI1LTMtMS0xLTcxNDc3NA_32f2a5f5-d867-420c-8fa9-09f339510251">15,183</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI1LTQtMS0xLTcxNDc3NA_09a4ae06-fedf-4f47-9603-4346390d0eeb">13,358</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Memorandum item: Subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI2LTItMS0xLTcxNDc3NA_b1b1efca-b2ec-481e-9e40-1a3120d5ba23">12,509</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI2LTMtMS0xLTcxNDc3NA_09b91568-c62d-4c43-a213-d94141d1e8e6">14,808</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI2LTQtMS0xLTcxNDc3NA_3cc85aa5-03c2-4152-88aa-37920349e58c">16,488</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">DERIVATIVES - HEDGE ACCOUNTING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI3LTItMS0xLTcxNDc3NA_50131da2-260e-4db7-ba57-fa81d340cced">3,303</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI3LTMtMS0xLTcxNDc3NA_7988d6f7-0149-41aa-8edf-0ecb0872766c">2,626</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI3LTQtMS0xLTcxNDc3NA_d761a1dd-d2a5-4925-a6b4-81d034f2784f">2,318</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI4LTItMS0xLTcxNDc3NA_eb04493e-23c5-45cd-b3d5-ce5be16a2138">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI4LTMtMS0xLTcxNDc3NA_55b55e3d-a7b4-4f05-b148-17262690ebf2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI4LTQtMS0xLTcxNDc3NA_7dd4d3ac-1768-4d11-85e4-a1cdac4321ed">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES UNDER INSURANCE AND REINSURANCE CONTRACTS </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI5LTItMS0xLTcxNDc3NA_137e44ae-53ff-4cde-866d-ba382dac68dc">11,848</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI5LTMtMS0xLTcxNDc3NA_e7438784-62f0-4df9-9d9b-ef1e434ecdff">10,865</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzI5LTQtMS0xLTcxNDc3NA_32aafcb9-be10-4e0c-bbab-daee40150904">9,951</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">PROVISIONS</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMwLTItMS0xLTcxNDc3NA_fed3c2fa-00c4-45c3-86f3-9b8d4fb03a95">4,933</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMwLTMtMS0xLTcxNDc3NA_92ee6134-c9ab-4b8d-8de3-032e64f08629">5,889</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMwLTQtMS0xLTcxNDc3NA_a62eabe6-13fb-4918-87c3-33570f478791">6,141</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and other post-employment defined benefit obligations</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMxLTItMS0xLTcxNDc3NA_b5645780-b962-4b7f-8c87-0fd2fcc84792">2,632</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMxLTMtMS0xLTcxNDc3NA_d021515f-8e0f-42a9-9494-11c602182d6b">3,576</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMxLTQtMS0xLTcxNDc3NA_889450e3-4c65-407a-bc11-546779ce3875">4,272</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other long term employee benefits</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMyLTItMS0xLTcxNDc3NA_dca9f849-2041-4d32-8400-0cea882d05cb">466</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMyLTMtMS0xLTcxNDc3NA_81ff157e-8398-4cfc-a5aa-b1f389631cc3">632</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMyLTQtMS0xLTcxNDc3NA_9361306f-fdf2-4548-b39e-14b897bd4ec0">49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Provisions for taxes and other legal contingencies</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMzLTItMS0xLTcxNDc3NA_b7986902-8023-486e-997d-4819336d32f4">685</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMzLTMtMS0xLTcxNDc3NA_bf5f5c97-0535-45f0-afa8-78277e60a2b3">623</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzMzLTQtMS0xLTcxNDc3NA_937cc5b7-1a67-4829-a37b-c8f34b3184d8">612</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commitments and guarantees given</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ProvisionsCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM0LTItMS0xLTcxNDc3NA_04b7d263-521a-4ada-8560-6afcad8be5fe">770</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ProvisionsCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM0LTMtMS0xLTcxNDc3NA_97b40070-9c95-4957-bcd2-8127095f7b18">691</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ProvisionsCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM0LTQtMS0xLTcxNDc3NA_456260c4-c5f0-4f9b-925a-51fbfceefb84">728</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other provisions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM1LTItMS0xLTcxNDc3NA_0d27042d-07af-4d23-8a9e-2951f27a5c38">380</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM1LTMtMS0xLTcxNDc3NA_1a02919d-343d-4100-bad6-047e977cd511">366</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM1LTQtMS0xLTcxNDc3NA_baa5c09f-b621-44a3-99f3-a25af1bd79df">479</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TAX LIABILITIES </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM2LTItMS0xLTcxNDc3NA_a403a5ba-8d89-40a1-9786-b91f3c2c246d">2,742</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM2LTMtMS0xLTcxNDc3NA_ce35e59b-336d-4c5c-80f6-aa7f243b66df">2,413</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM2LTQtMS0xLTcxNDc3NA_85399dec-e0ad-45fb-b4c0-a2861d5faa83">2,355</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM3LTItMS0xLTcxNDc3NA_b41535e7-2226-48a8-b179-6c806a05a31b">1,415</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM3LTMtMS0xLTcxNDc3NA_7f0ddeb4-9549-4df6-898b-10f57997a6bf">644</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM3LTQtMS0xLTcxNDc3NA_ce0bb845-0da1-4c96-baf6-d1cc9360d2ec">545</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM4LTItMS0xLTcxNDc3NA_5a51ccee-0556-4128-ada3-395ab6c39f5a">1,326</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM4LTMtMS0xLTcxNDc3NA_69f3f7bd-c41d-4e47-901c-4484aeba18c6">1,769</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzM4LTQtMS0xLTcxNDc3NA_5aec09af-a9b7-4853-ace9-ff8e21a72087">1,809</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">OTHER LIABILITIES </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQwLTItMS0xLTcxNDc3NA_537f1557-a6f4-48cc-8620-b88996dc7d21">4,880</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQwLTMtMS0xLTcxNDc3NA_927bf610-4430-4fb3-b028-6f1456145531">3,621</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQwLTQtMS0xLTcxNDc3NA_071fe5d4-4580-4387-bb9a-1e90ebf09770">2,802</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES INCLUDED IN DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQyLTItMS0xLTcxNDc3NA_ff2f33f8-549a-4530-b6c1-adf9c6f3caab">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQyLTMtMS0xLTcxNDc3NA_ee8fa221-907a-4097-9d7e-1c5812a5eb15">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQyLTQtMS0xLTcxNDc3NA_15ae1297-6de3-43d4-8ca9-8835397a8b3c">75,446</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQzLTItMS0xLTcxNDc3NA_d7bd709d-6421-408a-9975-16e2df3949e1">662,526</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQzLTMtMS0xLTcxNDc3NA_80bfe4f9-0441-4efd-9a52-ea2085d48297">614,125</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTo2NDA0YjIwOTdkYmM0MjNkYjYxMzkwNTVmZGE1ZGNmYS90YWJsZXJhbmdlOjY0MDRiMjA5N2RiYzQyM2RiNjEzOTA1NWZkYTVkY2ZhXzQzLTQtMS0xLTcxNDc3NA_fcab2927-3fb0-4847-a84c-0e0ff3e074bc">683,777</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-5</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Consolidated balance sheets as of December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.448%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES AND EQUITY (Continued) (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">SHAREHOLDERS&#8217; FUNDS</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ShareholdersEquity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzItMi0xLTEtNzE0Nzc0_b0a2cad0-5c93-4317-9e6e-23e0206a7243">64,422</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ShareholdersEquity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzItMy0xLTEtNzE0Nzc0_00281c33-cb5a-47aa-8b31-69fcb60259c0">60,383</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ShareholdersEquity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzItNC0xLTEtNzE0Nzc0_11994c7e-e6b1-4ed7-babf-85ca284d36e4">58,904</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Capital</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMtMi0xLTEtNzE0Nzc0_e8193b0a-beae-450c-b47b-54f5cdf1392d">2,955</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMtMy0xLTEtNzE0Nzc0_79f40904-488a-4795-89fa-f615c5c5f50c">3,267</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMtNC0xLTEtNzE0Nzc0_afb39250-55da-4a9b-8d5e-154a5ebd7eac">3,267</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Paid up capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:AdditionalPaidinCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQtMi0xLTEtNzE0Nzc0_a0888fb2-0695-4895-bba8-372018ea9bd5">2,955</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AdditionalPaidinCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQtMy0xLTEtNzE0Nzc0_c8015d1a-25bd-4873-b533-d7c9da114fbe">3,267</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AdditionalPaidinCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQtNC0xLTEtNzE0Nzc0_ebfa0c78-0454-4287-a17c-f2cbf8858278">3,267</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unpaid capital which has been called up</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:UnpaidCapitalWhichHasBeenCalledUp" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUtMi0xLTEtNzE0Nzc0_63a70330-d662-417e-8123-d63d780be816">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:UnpaidCapitalWhichHasBeenCalledUp" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUtMy0xLTEtNzE0Nzc0_483f74b9-599e-428f-b7b4-35e5e9193201">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:UnpaidCapitalWhichHasBeenCalledUp" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUtNC0xLTEtNzE0Nzc0_da321c91-430a-4075-9867-193a1b2b7092">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Share premium</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzctMi0xLTEtNzE0Nzc0_abc44dc5-01b2-4614-9eed-854288b52d0f">20,856</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzctMy0xLTEtNzE0Nzc0_a05a542e-3540-4afc-b5a1-b4bae83a60d7">23,599</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzctNC0xLTEtNzE0Nzc0_e3deb857-479b-4f6f-927f-40f3682aa33b">23,992</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments issued other than capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:EquityInstrumentsIssuedOtherThanCapital" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzgtMi0xLTEtNzE0Nzc0_8de8c6b9-e3c0-4ab2-8798-60d7826ae57e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:EquityInstrumentsIssuedOtherThanCapital" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzgtMy0xLTEtNzE0Nzc0_0359b9e2-c27b-4836-9cef-5a39e079ab34">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:EquityInstrumentsIssuedOtherThanCapital" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzgtNC0xLTEtNzE0Nzc0_528f5b9c-770b-4994-8dc6-e40657538e5c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzExLTItMS0xLTcxNDc3NA_132171df-8e46-4f60-9d93-b00fb4fdc1e6">63</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzExLTMtMS0xLTcxNDc3NA_e5e961a5-5725-462a-8210-e1815e40678d">60</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzExLTQtMS0xLTcxNDc3NA_839baf33-23b5-43ab-8782-4ea24022cc39">42</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Retained earnings</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzEyLTItMS0xLTcxNDc3NA_21eb265e-d875-4f0a-b8ab-f53e10771c9f">32,536</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzEyLTMtMS0xLTcxNDc3NA_d03d01a5-0adc-40b8-8952-21b5edead3bd">31,841</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzEyLTQtMS0xLTcxNDc3NA_16ad6767-aec0-4f89-9b06-d4cedd47ceb4">30,508</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Revaluation reserves</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzEzLTItMS0xLTcxNDc3NA_9d88aeaf-f0ba-47b7-a2d9-3c688bc4fbbb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzEzLTMtMS0xLTcxNDc3NA_1bdb2384-583b-4c16-a1cb-bb5f584146b4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzEzLTQtMS0xLTcxNDc3NA_83255067-2158-41e7-bff4-121283d7ebcf">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other reserves</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE0LTItMS0xLTcxNDc3NA_d58ca2ad-82ac-4c11-ab9c-141bad14c2cb">2,345</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE0LTMtMS0xLTcxNDc3NA_f1729843-6b88-49dc-9f45-5d65538a23da">1,857</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE0LTQtMS0xLTcxNDc3NA_44648dd1-f4de-4413-a52c-3b32874aff8f">164</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reserves or accumulated losses of investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE1LTItMS0xLTcxNDc3NA_01f1f278-744c-4136-8096-1b188c48b13f">221</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE1LTMtMS0xLTcxNDc3NA_3ad2d245-4e5a-4a8e-9148-cb6c4b85dd6e">247</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE1LTQtMS0xLTcxNDc3NA_f52b689b-068a-417f-979e-c5ad33d0806f">164</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:Other" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE2LTItMS0xLTcxNDc3NA_27e31dc3-a549-47d8-8b19-c694d2659aa7">2,566</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:Other" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE2LTMtMS0xLTcxNDc3NA_67860cf9-2105-4e3a-837c-a753097f0484">1,610</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:Other" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE2LTQtMS0xLTcxNDc3NA_39e304de-ffd7-43b2-888b-897df7009d55">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Less: treasury shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE3LTItMS0xLTcxNDc3NA_aae8264f-9165-440a-99e5-80504e346154">29</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE3LTMtMS0xLTcxNDc3NA_f00b3000-0d77-416c-8bb1-9f29c38cebff">647</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE3LTQtMS0xLTcxNDc3NA_d77990da-d7fa-43bd-8bf3-a1e3938b2720">46</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit or loss attributable to owners of the parent</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE4LTItMS0xLTcxNDc3NA_0e5651fd-f928-455b-8e5d-11b74068703b">6,420</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE4LTMtMS0xLTcxNDc3NA_afd34ffe-360c-4927-9eb0-9ab23ad33728">4,653</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE4LTQtMS0xLTcxNDc3NA_3b044536-ba8e-44b4-83e6-497b63a4e468">1,305</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Less: Interim dividends</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:InterimDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE5LTItMS0xLTcxNDc3NA_b68795d1-b87c-4ef8-93f5-0de90f05458b">722</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:InterimDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE5LTMtMS0xLTcxNDc3NA_3eb55dc5-a823-453a-b418-7e5a6dabfe43">532</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:InterimDividends" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzE5LTQtMS0xLTcxNDc3NA_681966f9-e00f-4f9c-94a1-288afa19aaa5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIwLTItMS0xLTcxNDc3NA_d6cc4eb9-c826-4fc1-a4ed-2d043b1b94d9">17,432</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIwLTMtMS0xLTcxNDc3NA_848f7c25-ef4a-4e74-b96e-5980847410a5">16,476</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIwLTQtMS0xLTcxNDc3NA_abd7eba8-3041-4b22-b68e-d0684d6c0490">14,356</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIxLTItMS0xLTcxNDc3NA_34180555-2645-4a16-afcb-49bc36e8cd1e">1,881</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIxLTMtMS0xLTcxNDc3NA_2f527648-1704-4b14-b155-2363ecf4ddc7">2,075</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIxLTQtMS0xLTcxNDc3NA_321c16f3-039e-4fda-8f2b-c184d307317d">2,815</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial gains (losses) on defined benefit pension plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIyLTItMS0xLTcxNDc3NA_11508158-580e-4a24-bda4-eee1cfb62cc6">760</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIyLTMtMS0xLTcxNDc3NA_2a7df87f-63cc-432b-b100-47129afc2f44">998</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIyLTQtMS0xLTcxNDc3NA_75f0f198-13ba-4b68-9ffd-05a0e1f3a418">1,474</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-current assets and disposal groups classified as held for sale</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIzLTItMS0xLTcxNDc3NA_6ca763d8-a127-4307-8642-4a49637e9d01">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIzLTMtMS0xLTcxNDc3NA_0a30e635-8794-4e1e-8b8d-1ca3ae0aa72c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzIzLTQtMS0xLTcxNDc3NA_990464e4-cbef-4825-8f5b-cc8bd3ec7953">65</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share of other recognized income and expense of investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI0LTItMS0xLTcxNDc3NA_89cd4785-287b-4ee7-9bab-8b4d047369de">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI0LTMtMS0xLTcxNDc3NA_8ad08398-2e0b-40f5-9021-10242a15a772">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI0LTQtMS0xLTcxNDc3NA_f1f10569-e266-40b9-b8e4-bc0965d00f04">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value changes of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI1LTItMS0xLTcxNDc3NA_4ff9882e-3676-4f40-9de2-15e077f09ab1">1,194</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI1LTMtMS0xLTcxNDc3NA_cacdb98a-00e8-4b80-93e0-37e45bc1ce0d">1,079</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI1LTQtMS0xLTcxNDc3NA_c34fdf93-8519-484e-a049-d5087fc3237b">1,256</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI2LTItMS0xLTcxNDc3NA_87060f85-d7b5-45a4-a1a5-4894ca6ba439">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI2LTMtMS0xLTcxNDc3NA_37a8a45d-6468-4aab-836a-46051c585354">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI2LTQtMS0xLTcxNDc3NA_07764217-7294-4efb-ab21-9fc2f366bc32">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI5LTItMS0xLTcxNDc3NA_da84624d-4d45-4d1e-a8fc-92b9ed7d216b">72</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI5LTMtMS0xLTcxNDc3NA_d15269cf-8af2-45c8-970b-9866bbcc8b2e">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzI5LTQtMS0xLTcxNDc3NA_05798538-29fb-4b60-9074-9df282322c54">21</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Items that may be reclassified to profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMwLTItMS0xLTcxNDc3NA_876b5d4b-1e8d-4467-86ab-61497befb523">15,550</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMwLTMtMS0xLTcxNDc3NA_3861715b-fc85-4d55-bf10-be67bff4ed5f">14,401</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMwLTQtMS0xLTcxNDc3NA_26d9b826-771e-4f23-b073-6954da2f6631">11,541</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedge of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMxLTItMS0xLTcxNDc3NA_ba053e33-d41e-47b1-8623-0fbd48461665">1,408</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMxLTMtMS0xLTcxNDc3NA_2ca7de60-3e40-48a7-9598-e305a77470c3">146</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMxLTQtMS0xLTcxNDc3NA_01a6f4bf-ca5d-4d67-ab33-eca9abdee2ef">62</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency translation </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMyLTItMS0xLTcxNDc3NA_870dcc95-621f-481f-a152-3fcae1b4c05a">13,103</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMyLTMtMS0xLTcxNDc3NA_5b28f425-5c9c-4aca-adc6-14d48a6e0591">14,988</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMyLTQtMS0xLTcxNDc3NA_e37a7fd2-376e-414d-a79e-f7253d257897">14,185</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedging derivatives. Cash flow hedges (effective portion)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMzLTItMS0xLTcxNDc3NA_b3a60f2f-3993-4b37-8208-d1f040afcd0b">458</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMzLTMtMS0xLTcxNDc3NA_774cde22-cb64-4b15-8f52-dab2b6545119">533</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzMzLTQtMS0xLTcxNDc3NA_5388fa3d-88f0-4ea0-81f3-6981b8a9caea">10</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value changes of debt instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM0LTItMS0xLTcxNDc3NA_bf68f2cb-021e-46b4-af45-73cc1dcf978f">562</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM0LTMtMS0xLTcxNDc3NA_797f3e5f-7c9c-4b1d-827b-780020d8e90d">1,274</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM0LTQtMS0xLTcxNDc3NA_16b1792d-398e-4aae-b3c5-48d746b0cfe2">2,069</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedging instruments (non-designated items)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:HedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM1LTItMS0xLTcxNDc3NA_75a2b380-e644-4eca-9c1f-0921964b503d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:HedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM1LTMtMS0xLTcxNDc3NA_316bb5cc-dd13-42cb-b721-a3ce31d515d1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:HedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM1LTQtMS0xLTcxNDc3NA_0b86b56e-eb71-4592-838c-a4cfcffd5341">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-current assets and disposal groups classified as held for sale</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM2LTItMS0xLTcxNDc3NA_776ead81-d07a-45e8-910b-fa402b8f66dc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM2LTMtMS0xLTcxNDc3NA_a714d49e-5f55-449b-82aa-3dbbc6438724">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM2LTQtMS0xLTcxNDc3NA_368ee414-4b98-4b62-927a-8e78971a9be7">644</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share of other recognized income and expense of investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM3LTItMS0xLTcxNDc3NA_124bc1e1-122b-416e-9625-4ef5a3ec6c3b">18</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM3LTMtMS0xLTcxNDc3NA_94a0b162-4b02-41f9-97ed-aaac1f98d8ab">9</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM3LTQtMS0xLTcxNDc3NA_264ea1d2-bfe4-4856-9f9b-1a763da7bfda">17</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">MINORITY INTERESTS (NON-CONTROLLING INTERESTS)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM4LTItMS0xLTcxNDc3NA_319c203d-f15a-4c20-a4a4-72921446766c">3,624</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM4LTMtMS0xLTcxNDc3NA_f0caf434-60ff-4d2b-bd6e-9ef4d8af14fd">4,853</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM4LTQtMS0xLTcxNDc3NA_6c3b7dba-75ab-4fb5-9812-540ab7d4ba41">5,471</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Accumulated other comprehensive income (loss)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:AccumulatedOtherComprehensiveIncomeNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM5LTItMS0xLTcxNDc3NA_a204b45e-5943-4e54-9c0c-307be9857aed">3,112</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:AccumulatedOtherComprehensiveIncomeNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM5LTMtMS0xLTcxNDc3NA_ebb075fb-68ce-4dec-8148-96813b3c9fe9">8,414</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedOtherComprehensiveIncomeNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzM5LTQtMS0xLTcxNDc3NA_9820187f-d501-4780-b20a-57c84f7b855b">6,949</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other items</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherNonControllingInterestItems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQwLTItMS0xLTcxNDc3NA_a64d8d03-ad27-41a7-8ad0-a7689349eaa9">6,736</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherNonControllingInterestItems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQwLTMtMS0xLTcxNDc3NA_c670fa15-deca-4865-85e2-a30a4e5c2bad">13,267</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherNonControllingInterestItems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQwLTQtMS0xLTcxNDc3NA_a1f90dfe-eddb-43f6-a4da-56510dae458a">12,421</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TOTAL EQUITY</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQxLTItMS0xLTcxNDc3NA_8e9580e5-38aa-48c4-89ca-25320d329fe1">50,615</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQxLTMtMS0xLTcxNDc3NA_3f7852c7-b09d-4b76-8839-8dd09ab4aeec">48,760</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQxLTQtMS0xLTcxNDc3NA_ede5420e-7ce1-4e45-9f3b-2bbc79f500ca">50,020</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TOTAL EQUITY AND TOTAL LIABILITIES</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQyLTItMS0xLTcxNDc3NA_344342cc-d862-44f9-8c13-fd2ee9eaf802">713,140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQyLTMtMS0xLTcxNDc3NA_37cecf6d-649b-4f94-a55a-4297541dc155">662,885</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzQyLTQtMS0xLTcxNDc3NA_6e13d705-8838-42ed-a86c-5f7d4d8b76a9">733,797</ix:nonFraction></span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">MEMORANDUM  ITEM (OFF-BALANCE SHEET EXPOSURES)  (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUwLTItMS0xLTcxNDc3NA_4d659bce-9804-421e-bd7b-4169879b75ed">136,920</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUwLTMtMS0xLTcxNDc3NA_05b88629-d63f-4e84-8ef1-97212906ce43">119,618</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUwLTQtMS0xLTcxNDc3NA_b143966b-17ae-45e3-a70c-5e084a4278df">132,584</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGivenMemorandum" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUxLTItMS0xLTcxNDc3NA_b2c7467d-af3a-48bc-bb9f-becd821eb105">16,511</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGivenMemorandum" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUxLTMtMS0xLTcxNDc3NA_5a77e1f2-ccef-4143-a6ae-2b2a20f6640b">11,720</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGivenMemorandum" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUxLTQtMS0xLTcxNDc3NA_caad89c1-376c-4702-97fe-c75fed3be122">10,665</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUyLTItMS0xLTcxNDc3NA_96d1a22c-97bf-47f8-bf63-50ab2863a62a">39,137</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUyLTMtMS0xLTcxNDc3NA_fbb48f44-1ff1-4972-a8f0-1dd26caf15fe">34,604</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV80OTkvZnJhZzplNGY2MmMxMzIyNjQ0OGQ4YjUxMjYxN2Y4Yzk2N2I2My90YWJsZTowMjM3NDY5ZjQyNTk0ZTc0OGYxMzU5ZGI4MjkyNGIzYi90YWJsZXJhbmdlOjAyMzc0NjlmNDI1OTRlNzQ4ZjEzNTlkYjgyOTI0YjNiXzUyLTQtMS0xLTcxNDc3NA_3f14e492-2182-483c-9e7b-b20bb87961a5">36,190</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-6</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_502"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated income statements for the years ended December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.448%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CONSOLIDATED INCOME STATEMENTS (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">37.1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzItMi0xLTEtNzE0Nzc0_cdb3b739-ddb6-4494-8c91-3103b088eed4">31,432</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzItMy0xLTEtNzE0Nzc0_5f8cef11-f4b5-4c09-a25d-c3d7c61d8e1c">23,015</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzItNC0xLTEtNzE0Nzc0_7914055e-cf6f-4de1-9f96-7dd09bac8c27">22,389</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMtMi0xLTEtMTI4NTg5NA_8cc5ab0e-6a30-489e-9559-20bb7cc0e966">3,110</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMtMy0xLTEtMTI4NTg5NA_8cb37c40-2670-454b-b349-526c7fdb721b">1,880</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMtNC0xLTEtMTI4NTg5NA_d5599169-74fa-407e-9163-65f6b1288ac0">1,392</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQtMi0xLTEtMTI4NTg5NA_007a309a-31ab-4788-8720-ff48619255de">25,258</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQtMy0xLTEtMTI4NTg5NA_6953e203-5dec-4c45-9e7c-913c20c9bcf0">18,364</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQtNC0xLTEtMTI4NTg5NA_a74271a8-dc3d-44e2-85ed-bb17b7069312">18,357</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Other interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherInterestIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzUtMi0xLTEtMTI4NTg5NA_b77b6e76-a8ab-4e06-ab0c-c72c287d5158">3,064</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherInterestIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzUtMy0xLTEtMTI4NTg5NA_c6508a56-774b-4583-bdd2-2d7ce06df4c5">2,770</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherInterestIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzUtNC0xLTEtMTI4NTg5NA_1f88db78-2fad-4134-9b46-2d3950204a7d">2,640</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">37.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMtMi0xLTEtNzE0Nzc0_2a685d53-9521-4917-90d5-5479118e86c8">12,279</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMtMy0xLTEtNzE0Nzc0_5f3c0938-0958-46bb-a76c-dfbdef438dd3">8,329</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMtNC0xLTEtNzE0Nzc0_bd41553b-7a43-4602-b28b-93dad1a3f3bf">7,797</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">NET INTEREST INCOME</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQtMi0xLTEtNzE0Nzc0_b5c0c6b4-5158-427d-a22a-d6026f84a0fa">19,153</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQtMy0xLTEtNzE0Nzc0_ff81b918-6804-4452-af83-0ca4f9ea44ae">14,686</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQtNC0xLTEtNzE0Nzc0_48918e8b-79e9-496a-bae4-29dfe974ae14">14,592</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Dividend income </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzUtMi0xLTEtNzE0Nzc0_2f2e527a-4794-4e82-94f2-c4c77d58ddf7">123</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzUtMy0xLTEtNzE0Nzc0_077ddc19-1237-4294-96c9-dc61c595377a">176</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzUtNC0xLTEtNzE0Nzc0_94447a0d-d64f-495e-a5df-9ecdffc9fff6">137</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Share of profit or loss of entities accounted for using the equity method </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzYtMi0xLTEtNzE0Nzc0_ccbb0dac-9f15-431c-9e22-4fdfe4fa48be">21</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzYtMy0xLTEtNzE0Nzc0_92896fa7-b8b8-4270-a8e6-153501b732b3">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzYtNC0xLTEtNzE0Nzc0_1ac1f862-d90b-4520-a9dc-3e444925ac44">39</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fee and commission income </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzctMi0xLTEtNzE0Nzc0_16fa690f-f93c-48b7-8f92-917761f3d6f7">8,261</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzctMy0xLTEtNzE0Nzc0_33b5f38d-1ec8-43d5-9d51-f55646cc4845">6,997</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzctNC0xLTEtNzE0Nzc0_bca84d74-254e-49d1-9789-8e34a37a8a8b">5,980</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzgtMi0xLTEtNzE0Nzc0_7cc26f98-6cda-4a8f-8d06-09e05f4a40c6">2,907</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzgtMy0xLTEtNzE0Nzc0_811e093c-885f-45c9-9d4e-e87eb8a2b786">2,232</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzgtNC0xLTEtNzE0Nzc0_5e1286cb-1a74-4766-8001-2b984cc45486">1,857</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEwLTItMS0xLTcxNDc3NA_72a6f18b-8a57-4e0f-ad54-ba0aebbc0a8b">64</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEwLTMtMS0xLTcxNDc3NA_a1d913e2-02b2-4f9b-a029-e5e5ae54320a">134</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEwLTQtMS0xLTcxNDc3NA_cbab60a1-0ecb-40ca-a4d0-6fd3923de42f">139</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE0LTItMS0xLTEyODU5MTU_fc8e505f-ae35-484f-bd87-fa88ffc720ef">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE0LTMtMS0xLTEyODU5MTU_d9aa9a2a-f86c-4cf8-8a19-aacb9c08d576">27</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE0LTQtMS0xLTEyODU5MTU_e842b7cc-7c10-45a5-8357-3533236ba24a">106</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Other financial assets and liabilities </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE1LTItMS0xLTEyODU5MTU_83cee345-71e8-43e8-876a-5ddafed426c8">56</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE1LTMtMS0xLTEyODU5MTU_561d9a79-2cc4-45b6-bc5f-c1efe8bc7b32">106</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE1LTQtMS0xLTEyODU5MTU_96e90161-5e35-4c1a-ae05-f8f9c68d3c84">33</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities held for trading, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzExLTItMS0xLTcxNDc3NA_4b13f671-d418-4b2e-b343-c7e4b8712b41">562</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzExLTMtMS0xLTcxNDc3NA_09f494ed-dbe8-456b-b421-2941957b2c87">341</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzExLTQtMS0xLTcxNDc3NA_18e7eed8-157e-459e-910b-48ce13fae80b">777</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE3LTItMS0xLTEyODU5MzA_a3d36c44-0e7e-4af2-a1c7-4c18045ed509">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE3LTMtMS0xLTEyODU5MzA_ac409647-cd79-4769-992e-51dab03ebd8a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE3LTQtMS0xLTEyODU5MzA_c5e5ce63-a1e2-4966-8558-5a37c59e90e2">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE4LTItMS0xLTEyODU5MzA_39630216-c181-4ce6-826f-f4a347b44eec">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE4LTMtMS0xLTEyODU5MzA_733833fd-f852-439d-b59a-f0a16f26127e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE4LTQtMS0xLTEyODU5MzA_8cf5829e-4200-4dfc-a591-cadcb87d3ccd">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Other gains (losses)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE5LTItMS0xLTEyODU5MzA_b43c6181-33ec-4aa1-a1d4-a52f8026310f">562</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE5LTMtMS0xLTEyODU5MzA_71e91b02-e08d-4e21-9141-386400446f37">341</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE5LTQtMS0xLTEyODU5MzA_36cf7e7f-24db-4918-83ad-28bc75301d37">777</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEyLTItMS0xLTcxNDc3NA_ae567d46-8ff8-4d97-b157-615403013664">67</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEyLTMtMS0xLTcxNDc3NA_041d49ac-b5d4-4125-bcfd-1cc4a30032f7">432</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEyLTQtMS0xLTcxNDc3NA_9a9cbacf-381e-442c-b806-4d433e4881dd">208</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIxLTItMS0xLTEyODU5NTA_3679a06c-ff45-4574-be17-d5217e2ae093">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIxLTMtMS0xLTEyODU5NTA_738fad7b-ac3f-45e2-b96a-1981041af0ef">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIxLTQtMS0xLTEyODU5NTA_c19d97c4-d8b5-478a-9f22-3a310568dd24">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIyLTItMS0xLTEyODU5NTA_1a0a25c4-6b92-4b9f-8207-494ff1aa70d7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIyLTMtMS0xLTEyODU5NTA_b87ab85a-9c6b-4502-ab68-f3c17850369f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIyLTQtMS0xLTEyODU5NTA_4d4a8707-2396-4309-a3c7-61df1ce57805">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Other gains (losses)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIzLTItMS0xLTEyODU5NTA_ad14760a-13e8-4d7f-8829-37d8ce307678">67</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIzLTMtMS0xLTEyODU5NTA_c982afc9-5e8f-43a7-b1c3-eebc60edf846">432</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIzLTQtMS0xLTEyODU5NTA_625364b8-1ce2-43f8-860d-a6fb310e2c71">208</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEzLTItMS0xLTcxNDc3NA_6739e911-2aab-46e5-ad55-d30c9fab97d2">150</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEzLTMtMS0xLTcxNDc3NA_2add7a17-b5de-48b6-8651-03eadec38afb">335</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzEzLTQtMS0xLTcxNDc3NA_ef6afe50-99d7-480c-97a8-5601f7201665">56</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) from hedge accounting, net </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE0LTItMS0xLTcxNDc3NA_57361c04-1371-4c63-9564-89bb5db6814f">45</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE0LTMtMS0xLTcxNDc3NA_7b98561d-b87f-4ff8-811b-09fc68c8250b">214</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE0LTQtMS0xLTcxNDc3NA_06524760-b42e-4a35-821c-1ae393747073">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Exchange differences, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE1LTItMS0xLTcxNDc3NA_ab0cff0b-5364-4be1-96bc-cb60ef59b7ea">1,275</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE1LTMtMS0xLTcxNDc3NA_0136bba7-2a42-4843-8663-dbb41e984dc4">883</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE1LTQtMS0xLTcxNDc3NA_85d66fe0-5ecb-422c-813c-25200f757ac5">359</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other operating income </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE2LTItMS0xLTcxNDc3NA_af26ff77-4ebb-4e91-ad18-b448763680bd">528</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE2LTMtMS0xLTcxNDc3NA_036fe4e8-86a1-4fce-b667-5e273a682625">661</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE2LTQtMS0xLTcxNDc3NA_4448c0c2-a853-455a-8645-0f026f66ceab">492</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other operating expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE3LTItMS0xLTcxNDc3NA_5d1f6bbf-1bc2-4e1b-9cda-c952a4663615">3,438</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE3LTMtMS0xLTcxNDc3NA_57ff6b75-55ce-470d-b176-e8823e41af22">2,041</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE3LTQtMS0xLTcxNDc3NA_8a3d07c2-2b00-4775-a5b3-29a2513ce28b">1,662</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income from insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE4LTItMS0xLTcxNDc3NA_01de8591-a44b-416d-8369-f65260a561c7">3,103</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE4LTMtMS0xLTcxNDc3NA_1e99f423-e2d4-492b-b055-8165a58fbaf7">2,593</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE4LTQtMS0xLTcxNDc3NA_1d635d7b-634f-448e-8be1-d1e9656ec9e9">2,497</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Expense from insurance and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE5LTItMS0xLTcxNDc3NA_024bf67b-2b12-48a4-8382-c487670a4885">1,892</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE5LTMtMS0xLTcxNDc3NA_9d55cd01-cae9-4c7e-922e-57f31d2861a1">1,685</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzE5LTQtMS0xLTcxNDc3NA_83029092-e5f0-40dc-a9e9-b7ddc56c5219">1,520</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">GROSS INCOME</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIwLTItMS0xLTcxNDc3NA_dbaa6abb-4d48-489c-841d-e2d70822a440">24,890</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIwLTMtMS0xLTcxNDc3NA_3abfedec-c79c-4b79-a15f-81ab2cc74bf3">21,066</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIwLTQtMS0xLTcxNDc3NA_ca6fe363-1649-4f03-967d-0d76a8d3966f">20,166</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIxLTItMS0xLTcxNDc3NA_a93aaaff-a17e-4ea1-925f-38c414bec258">9,432</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIxLTMtMS0xLTcxNDc3NA_e155bec6-ffc1-4103-80a3-7394a7deb676">8,296</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIxLTQtMS0xLTcxNDc3NA_7a701e32-481c-414b-9fee-06f71830290a">7,799</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Personnel expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIyLTItMS0xLTcxNDc3NA_6fd1b0c5-e6da-4558-b8ca-77a9ea244ded">5,612</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIyLTMtMS0xLTcxNDc3NA_5e01bac4-2aaa-48f1-8a53-d6ae04f9b6f7">5,046</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIyLTQtMS0xLTcxNDc3NA_8dc5b642-59e8-41fe-8bc9-9f08c2f2962a">4,695</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Other administrative expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIzLTItMS0xLTcxNDc3NA_85ab37cd-0cc2-4da9-b270-9cdc129a8fdd">3,820</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIzLTMtMS0xLTcxNDc3NA_ef4dd180-79cd-45e7-a0d3-b04716bfc468">3,249</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzIzLTQtMS0xLTcxNDc3NA_e6295193-15c8-4824-8f01-826ff21c18d4">3,105</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI0LTItMS0xLTcxNDc3NA_cdb984bb-ac2d-45f2-bc14-b61baab966df">1,328</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI0LTMtMS0xLTcxNDc3NA_87b8cce4-519d-498d-a317-5a3c9e5b0d67">1,234</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI0LTQtMS0xLTcxNDc3NA_2764962c-159c-47a9-9712-bc809cf5824e">1,288</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Provisions or reversal of provisions</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI1LTItMS0xLTcxNDc3NA_391709e3-14f4-4a3c-b98d-c30d520d33a2">291</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ProvisionOrReversalOfProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI1LTMtMS0xLTcxNDc3NA_68a8802e-5b59-413e-8398-8e6a16a831d4">1,018</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI1LTQtMS0xLTcxNDc3NA_0feb543a-90b4-4a0f-a854-022bd8ece599">746</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI2LTItMS0xLTcxNDc3NA_093ad199-5f07-44ed-8821-3e2665a249ff">3,379</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI2LTMtMS0xLTcxNDc3NA_5378a02e-7419-490d-97d0-783a428ff1ca">3,034</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI2LTQtMS0xLTcxNDc3NA_b99db9cf-55bd-48a5-9de0-3edd3ba68929">5,179</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Financial assets measured at amortized cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ImpairmentFinancialAssetsMeasuredAtCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI3LTItMS0xLTcxNDc3NA_ddbf606f-20d8-4cc8-ab87-8531f437f794">3,303</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentFinancialAssetsMeasuredAtCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI3LTMtMS0xLTcxNDc3NA_6104b00b-ead0-47ec-8612-c85345f6f96e">3,017</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentFinancialAssetsMeasuredAtCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI3LTQtMS0xLTcxNDc3NA_a97ec32f-03cd-4512-bba9-ad93c9d9fa69">5,160</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI4LTItMS0xLTcxNDc3NA_c42fec91-3b93-49f7-b3ec-e64a88eecd52">76</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI4LTMtMS0xLTcxNDc3NA_df580a01-d430-40c7-a987-3e7e9d7e5951">17</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI4LTQtMS0xLTcxNDc3NA_063d0daa-eabd-40a7-bd31-1ea51d8b0243">19</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">NET OPERATING INCOME</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI5LTItMS0xLTcxNDc3NA_9e51f2b2-18a8-4bcd-8f50-7ed8c677e566">10,460</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI5LTMtMS0xLTcxNDc3NA_34b5848b-07fa-492d-afee-f9281a831175">7,484</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzI5LTQtMS0xLTcxNDc3NA_688f528a-ec0a-4624-94d9-42352e3abce9">5,153</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment or reversal of impairment of investments in joint ventures and associates</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">48</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMwLTItMS0xLTcxNDc3NA_0248f4b6-d798-4075-8408-a078a1d1b5d1">42</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzMwLTMtMS0xLTcxNDc3NA_c15bb923-f1f9-4cb3-babd-03d143f80a1d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM0LTQtMS0xLTcxNDc3NA_960fb02e-75fe-4bc9-b0bb-19fd6824f280">9</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM1LTItMS0xLTcxNDc3NA_bdfec159-4572-455d-990b-0b219a357011">11</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM1LTMtMS0xLTcxNDc3NA_630655bd-8d5e-4c23-9d6f-c2e69744b9d0">24</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM1LTQtMS0xLTcxNDc3NA_fc6dd45d-c5ff-4aae-ba67-92a1032362d5">7</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Negative goodwill recognized in profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NegativeGoodwillRecognisedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM3LTItMS0xLTcxNDc3NA_0d780d24-441e-40ad-b32f-43e35e8e9a8f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NegativeGoodwillRecognisedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM3LTMtMS0xLTcxNDc3NA_89a9fae9-c2e4-436b-979b-9903c8c082c9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NegativeGoodwillRecognisedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM3LTQtMS0xLTcxNDc3NA_9beabe1e-de71-4d32-bf46-c3d6f78df136">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations    </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM4LTItMS0xLTcxNDc3NA_f0250608-d7b2-44da-8b50-03f5c7262ae7">108</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM4LTMtMS0xLTcxNDc3NA_f5340bb8-829e-4f36-a31c-df79e41ca272">40</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM4LTQtMS0xLTcxNDc3NA_8f4dab34-af74-42be-97e2-7ab930a4b1b9">444</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">PROFIT (LOSS) BEFORE TAX FROM CONTINUING OPERATIONS</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM5LTItMS0xLTcxNDc3NA_8ce1bbd4-caf9-4765-8f4d-82d243021e39">10,356</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM5LTMtMS0xLTcxNDc3NA_2b1134f2-6cf2-4d9f-8b0b-457174b06456">7,247</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzM5LTQtMS0xLTcxNDc3NA_753b038b-2d0f-49d5-987e-86a00037bf59">5,248</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQwLTItMS0xLTcxNDc3NA_5ee23cc6-6e58-4992-8145-bee746c2e8e3">3,529</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQwLTMtMS0xLTcxNDc3NA_9c7899f8-18fb-47bb-a937-13786153fe40">1,909</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQwLTQtMS0xLTcxNDc3NA_848dbc82-b898-4434-b2a5-1502fb494b41">1,459</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">PROFIT (LOSS) AFTER TAX FROM CONTINUING OPERATIONS</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQxLTItMS0xLTcxNDc3NA_3b62e258-0475-4845-beff-32719538d9f8">6,827</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQxLTMtMS0xLTcxNDc3NA_a9f597d2-a753-4189-8be9-b719e5651a2b">5,338</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQxLTQtMS0xLTcxNDc3NA_8f090127-c62e-49e3-b242-7b9a0f56453f">3,789</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Profit (loss) after tax from discontinued operations</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQyLTItMS0xLTcxNDc3NA_a5fa8750-1ce6-4c89-bbac-b029d9ff8e6c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQyLTMtMS0xLTcxNDc3NA_513194c6-daf0-4034-8522-63fa396a49cd">280</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQyLTQtMS0xLTcxNDc3NA_1e82ddf0-abfe-4d12-8532-e48aa995b5d3">1,729</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">PROFIT (LOSS)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQzLTItMS0xLTcxNDc3NA_48d10357-0de4-4610-b875-d8684dff3f9c">6,827</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQzLTMtMS0xLTcxNDc3NA_974e1635-a87d-4c95-b0b3-eda9b1a2f734">5,618</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQzLTQtMS0xLTcxNDc3NA_013c85be-4d5c-4852-9d10-fb4e00e06ec1">2,060</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">ATTRIBUTABLE TO MINORITY INTEREST (NON-CONTROLLING INTEREST)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">31</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQ0LTItMS0xLTcxNDc3NA_ad0a8e02-cc90-4a0d-8994-27272791306d">407</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQ0LTMtMS0xLTcxNDc3NA_7dd45136-a373-44d4-917d-7f3e1f8ca516">965</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQ0LTQtMS0xLTcxNDc3NA_bd0e87fa-76f0-433b-8e40-562b9a2063a4">756</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">ATTRIBUTABLE TO OWNERS OF THE PARENT</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQ1LTItMS0xLTcxNDc3NA_9018e013-7432-4735-b89c-545f9261a569">6,420</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQ1LTMtMS0xLTcxNDc3NA_84092b0e-eb3d-4dd1-9534-4ee07734a21a">4,653</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTowYWY3M2EzMTZmOGU0MDE0ODdjYTc5OTk0YjEyYTRlYS90YWJsZXJhbmdlOjBhZjczYTMxNmY4ZTQwMTQ4N2NhNzk5OTRiMTJhNGVhXzQ1LTQtMS0xLTcxNDc3NA_84eb5514-a221-4b7f-9271-ed7440b59b2f">1,305</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-7</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated income statements for the years ended December 31, 2022, 2021 and 2020 (continued)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.448%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EARNINGS (LOSSES) PER SHARE  (Euros)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">EARNINGS (LOSSES) PER SHARE  (Euros)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzItMi0xLTEtMTI4NjAxMw_ae629d5b-6281-496b-9d03-182f396f925e">0.99</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzItMy0xLTEtMTI4NjAxMw_80bcdc9e-b0e9-45fb-a195-3983e79e46f1">0.67</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzItNC0xLTEtMTI4NjAxMw_786391f2-0477-43e0-bfa6-ec2a8013c069">0.14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Basic earnings (losses) per share from continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzMtMi0xLTEtMTI4NjAxMw_0052189b-00e1-4262-a048-bba81dc9b1f5">0.99</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzMtMy0xLTEtMTI4NjAxMw_7d8f6de6-23e0-4c8b-a2e4-0083af2790a1">0.63</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzMtNC0xLTEtMTI4NjAxMw_63d3adb2-4407-4f29-8a0c-2021757efd58">0.40</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Diluted earnings (losses) per share from continuing operations </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzQtMi0xLTEtMTI4NjAxMw_327190cd-bb87-4bd8-92df-cafea1af0891">0.99</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzQtMy0xLTEtMTI4NjAxMw_33a76889-3d9a-4da8-8cec-dd13757ab686">0.63</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzQtNC0xLTEtMTI4NjAxMw_40335d6a-152b-4ada-bada-0423d08b0ce5">0.40</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Basic earnings (losses) per share from discontinued operations </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzUtMi0xLTEtMTI4NjAxMw_db0b63d4-8d28-4632-8e13-98c6ec090217">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzUtMy0xLTEtMTI4NjAxMw_73f369b6-e365-454e-989e-423dbfed3d5e">0.04</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" sign="-" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzUtNC0xLTEtMTI4NjAxMw_32df9bb4-d8d8-4fd8-8dc1-e0221dc2d670">0.26</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Diluted earnings (losses) per share from discontinued operations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzYtMi0xLTEtMTI4NjAxMw_4fa1d956-6646-4589-a317-bd3460521874">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzYtMy0xLTEtMTI4NjAxMw_d9e14cc0-76e7-47ec-aed0-09d813088bc2">0.04</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" sign="-" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDIvZnJhZzoyYzIzNjMyOTNmNjY0NDE3YmE0MmMxZWFjNzQ4Y2UzYi90YWJsZTo3NmU3NTMwNGRmMDA0NTQ4YjkyZWE5NTY5ZjNhMWEwOC90YWJsZXJhbmdlOjc2ZTc1MzA0ZGYwMDQ1NDhiOTJlYTk1NjlmM2ExYTA4XzYtNC0xLTEtMTI4NjAxMw_2e9442f8-0d01-4196-aa3b-6901875a4799">0.26</ix:nonFraction>)</span></td></tr></table></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-8</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_505"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated statements of recognized income and expense for the years ended December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:64.231%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF RECOGNIZED INCOME AND EXPENSE (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">PROFIT (LOSS) RECOGNIZED IN INCOME STATEMENT</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzItMS0xLTEtNzE0Nzc0_3edb3913-1d56-4916-9c27-b3ceaece5763">6,827</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzItMi0xLTEtNzE0Nzc0_22cb051f-d574-4641-91a1-8d0d319863c0">5,618</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzItMy0xLTEtNzE0Nzc0_760674ab-9a5e-4e2d-be03-a2a711053033">2,060</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">OTHER RECOGNIZED INCOME (EXPENSE)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMtMS0xLTEtNzE0Nzc0_efb4c3a2-9a0e-4f02-8626-702997258f4c">810</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMtMi0xLTEtNzE0Nzc0_cfc3a539-0352-4956-bb57-3118d6b26542">3,977</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMtMy0xLTEtNzE0Nzc0_76b466aa-c9f2-4173-aeec-a15d856ba8f4">5,375</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ITEMS NOT SUBJECT TO RECLASSIFICATION TO INCOME STATEMENT</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzQtMS0xLTEtNzE0Nzc0_107f3edc-f6ff-4017-954c-f09081f81bb8">190</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzQtMi0xLTEtNzE0Nzc0_3cae86fd-52c2-4ff3-8267-fa02400981ba">358</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzQtMy0xLTEtNzE0Nzc0_8417df35-1eda-4978-907a-62b73a613716">822</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial gains (losses) from defined benefit pension plans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzUtMS0xLTEtNzE0Nzc0_a0443458-83f2-49c3-91ab-b352b47345e9">354</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzUtMi0xLTEtNzE0Nzc0_780ee443-13cd-4c46-b7a1-8269bc233bf3">218</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzUtMy0xLTEtNzE0Nzc0_a4511c41-9d11-40f5-a248-981ccf9fbe1a">88</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-current assets and disposal groups held for sale</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NonCurrentAssestsAvailableForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzYtMS0xLTEtNzE0Nzc0_d4dd55ea-d80f-4e68-a9a5-957f8e47ff62">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:NonCurrentAssestsAvailableForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzYtMi0xLTEtNzE0Nzc0_b94b4432-3033-47f3-b472-14497ab54d9c">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NonCurrentAssestsAvailableForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzYtMy0xLTEtNzE0Nzc0_cd1c3529-6994-440e-85c2-f33e00b58034">17</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share of other recognized income and expense of entities accounted for using the equity method</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzctMS0xLTEtNzE0Nzc0_e3cfbf57-8790-4c11-811b-1ec905410b56">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzctMi0xLTEtNzE0Nzc0_e17bf3bc-4eaa-435e-883c-efba231c4a6a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzctMy0xLTEtNzE0Nzc0_ba2a85de-93df-42a4-aa51-3f6856bc8777">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value changes of equity instruments measured at fair value through other comprehensive income, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzgtMS0xLTEtNzE0Nzc0_5553aab8-4f1a-4cc6-879c-2a750e81c200">121</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzgtMi0xLTEtNzE0Nzc0_b5c9b7d8-aafb-4c69-9eb3-30a2f07f114f">189</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzgtMy0xLTEtNzE0Nzc0_6df20727-27ea-40fe-b21b-1edeeaacf3bc">796</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains (losses) from hedge accounting of equity instruments at fair value through other comprehensive income, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzktMS0xLTEtNzE0Nzc0_680819d2-d5ec-4eee-af62-4098dccdcef1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzktMy0xLTEtNzE0Nzc0_22d1290d-7c42-402f-a284-39809582344f">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEwLTEtMS0xLTcxNDc3NA_7eba5d20-c117-4838-a6af-68cf0b35d3b0">100</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEwLTItMS0xLTcxNDc3NA_d5e43465-c991-4f07-969d-03b77bf94c64">33</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEwLTMtMS0xLTcxNDc3NA_e5f798fd-1e19-406c-8cea-5b204c6fdbe3">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income tax related to items not subject to reclassification to income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzExLTEtMS0xLTcxNDc3NA_2eee30b6-7b89-4c07-86c3-eee9016fb5e0">143</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzExLTItMS0xLTcxNDc3NA_41b67f81-a817-4bda-ac5d-f0c10b88ade0">80</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzExLTMtMS0xLTcxNDc3NA_79ad4750-d4c0-4db4-a73e-db2c291cd5d7">40</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ITEMS SUBJECT TO RECLASSIFICATION TO INCOME STATEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEyLTEtMS0xLTcxNDc3NA_17c9864e-54bb-47cf-bfad-1b106790ac36">621</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEyLTItMS0xLTcxNDc3NA_0d36fb2e-0494-47ab-bcad-1c60f882e7d8">4,335</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEyLTMtMS0xLTcxNDc3NA_dcfa123a-cb5a-4a06-b3bf-da8eec2ed822">4,553</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hedge of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEzLTEtMS0xLTcxNDc3NA_d4a876b0-3796-44f4-bfa2-97a6e571c735">1,172</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEzLTItMS0xLTcxNDc3NA_388ca2f5-951b-4f60-9cb4-57fa71ec00f1">117</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzEzLTMtMS0xLTcxNDc3NA_c9a45307-ffd8-4560-8230-9614a9901a2c">378</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Valuation gains (losses) taken to equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE0LTEtMS0xLTcxNDc3NA_295ae68c-70fe-4cf6-bdcb-8bdd13541aa9">1,172</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE0LTItMS0xLTcxNDc3NA_bbcf713b-a8f6-42a4-97b4-0778c9bb1c7e">117</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE0LTMtMS0xLTcxNDc3NA_be13ce66-0c8f-45f7-9eb4-1935bca63681">378</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transferred to profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE1LTEtMS0xLTcxNDc3NA_7cbf72c7-b674-44e3-823e-3f14a54feb71">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE1LTItMS0xLTcxNDc3NA_7a12ae83-16c0-4ef5-937d-7b1eb13e39dd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE1LTMtMS0xLTcxNDc3NA_c0e60511-913a-406b-8582-46c097854456">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE2LTEtMS0xLTcxNDc3NA_577a97c1-3618-4298-834e-9f9efcab867b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE2LTItMS0xLTcxNDc3NA_5b5f566f-088a-4924-9c58-3f276cc081eb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE2LTMtMS0xLTcxNDc3NA_f7df6e80-963c-4b6f-b3cb-ad00cb94d828">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign currency translation</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE3LTEtMS0xLTcxNDc3NA_4f6cd17f-6478-4bc5-9eca-186c8ce657cf">3,387</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE3LTItMS0xLTcxNDc3NA_9bd8cf39-8acb-429d-b4ce-5788e452ee9f">2,256</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE3LTMtMS0xLTcxNDc3NA_2454b65d-3947-4a2f-84c6-705b95ec49cc">4,873</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Translation gains (losses) taken to equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE4LTEtMS0xLTcxNDc3NA_51428330-e1e5-432a-be6f-c20254764f21">3,387</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE4LTItMS0xLTcxNDc3NA_42bf1450-ac96-4d26-bc3c-b7904c80bb72">2,239</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE4LTMtMS0xLTcxNDc3NA_cc08cda7-47ae-4dca-bb41-87eb5c4accd1">4,873</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transferred to profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE5LTEtMS0xLTcxNDc3NA_70dd99e5-e9f8-48aa-9406-2fa6a1626ea7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE5LTItMS0xLTcxNDc3NA_426aa50f-557f-4359-817e-42d8a5b10b3a">17</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzE5LTMtMS0xLTcxNDc3NA_30dd6792-9ed0-4022-9207-a48a8115c65b">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIwLTEtMS0xLTcxNDc3NA_a11cc17a-2a7c-480a-b8b7-80ad17d69e14">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIwLTItMS0xLTcxNDc3NA_97220f07-fa2c-48d4-bb31-57ab9772068f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIwLTMtMS0xLTcxNDc3NA_5ec047af-c0ee-4f53-9d91-fbb2a3e2946c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges (effective portion)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIxLTEtMS0xLTcxNDc3NA_e0d14e1d-b848-45bd-b3d9-3c0062feb99d">97</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIxLTItMS0xLTcxNDc3NA_dbdf3299-86f3-404c-8644-56e14025fee4">691</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIxLTMtMS0xLTcxNDc3NA_9ad312a6-37da-4808-bc53-e84e494df11d">230</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Valuation gains (losses) taken to equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIyLTEtMS0xLTcxNDc3NA_fdaf8fb3-09bc-4edf-8ad1-47eff068d64f">116</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIyLTItMS0xLTcxNDc3NA_b770c5e8-dc8a-462b-9d1d-a73bcda5740a">553</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIyLTMtMS0xLTcxNDc3NA_0064954e-a59b-4558-a5fa-97ad0cf9d368">230</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transferred to profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIzLTEtMS0xLTcxNDc3NA_07b4c42c-b53b-4d5b-9a46-70e1127cf7f4">19</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIzLTItMS0xLTcxNDc3NA_206666e9-b8f2-43c8-aa11-908bb5d08a1b">137</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzIzLTMtMS0xLTcxNDc3NA_60ec267a-8d0f-4059-ab6b-f6eeaec50d25">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transferred to initial carrying amount of hedged items</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI0LTEtMS0xLTcxNDc3NA_e508f07d-5bec-473f-a0bc-da8b86037ab0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI0LTItMS0xLTcxNDc3NA_9e983a14-feac-47ed-bb1b-26745ea73648">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI0LTMtMS0xLTcxNDc3NA_57eb38e5-8702-448a-9ef7-5b91314b649a">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI1LTEtMS0xLTcxNDc3NA_0e92b975-964b-4868-aa46-9e77996b227e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI1LTItMS0xLTcxNDc3NA_a0306e96-ba79-41bf-a752-9c523c32e4d4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI1LTMtMS0xLTcxNDc3NA_c81a7d68-e6cc-48bd-9c2f-588525d05e9d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI2LTEtMS0xLTcxNDc3NA_c07f51ba-54c6-45af-b640-0f3ae570f872">2,454</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI2LTItMS0xLTcxNDc3NA_d5ed1c37-a3ee-4c8c-a8bc-8487bee3f1e6">1,139</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI2LTMtMS0xLTcxNDc3NA_d9f09bc5-ca7b-446a-8174-9b103251c593">460</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Valuation gains (losses) taken to equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI3LTEtMS0xLTcxNDc3NA_29fce4d4-c14c-4891-9767-4a2270aaff1f">2,484</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI3LTItMS0xLTcxNDc3NA_8675477c-f320-429d-8da3-d556cd58f2e6">1,082</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI3LTMtMS0xLTcxNDc3NA_d62b93f5-c50b-4d30-bd67-f2547ddcb4f8">515</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transferred to profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnAvailableforsaleFinancialAssetsBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI4LTEtMS0xLTcxNDc3NA_4d10a450-a612-47c0-9abd-01e02a7efed9">30</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnAvailableforsaleFinancialAssetsBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI4LTItMS0xLTcxNDc3NA_d9b61468-e618-4ef5-802e-dff00e96d9c2">57</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnAvailableforsaleFinancialAssetsBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI4LTMtMS0xLTcxNDc3NA_760903ac-dd58-453d-98d5-c3795f332cd2">54</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI5LTItMS0xLTcxNDc3NA_e83e45a8-68fc-4349-8c2e-855ce4326e46">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzI5LTMtMS0xLTcxNDc3NA_f3b0e2fe-4269-4136-bb79-47599cb63cab">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-current assets and disposal groups held for sale</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMwLTEtMS0xLTcxNDc3NA_22318e99-930e-4cd9-8a32-52f5d55fb0e3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMwLTItMS0xLTcxNDc3NA_0fa8d6c8-f87b-41b6-a63c-32d302bcd298">663</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMwLTMtMS0xLTcxNDc3NA_6cde8f74-3a63-49e3-8e89-df60d0ae70b8">492</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Valuation gains (losses) taken to equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMxLTEtMS0xLTcxNDc3NA_94894458-d65f-4de1-90c5-6ab49b40a2ab">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:GainsLossesOnNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMxLTItMS0xLTcxNDc3NA_b47724c2-a276-49db-a06d-fae6787754aa">30</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:GainsLossesOnNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMxLTMtMS0xLTcxNDc3NA_10a7c94f-9d66-4fd4-a82a-11040d065de6">472</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transferred to profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMyLTEtMS0xLTcxNDc3NA_2aca8e9f-9296-4def-868d-522a22e68110">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMyLTItMS0xLTcxNDc3NA_77bbf2b4-2a72-4310-a073-acb7f060b9a8">633</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMyLTMtMS0xLTcxNDc3NA_c7f63631-72e7-4e90-a004-b321838c9764">20</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMzLTEtMS0xLTcxNDc3NA_72db801a-37d9-4d8d-bc51-8894803978ab">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMzLTItMS0xLTcxNDc3NA_2b3b48d8-9b5e-4f5a-bac2-7bb23d29a867">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzMzLTMtMS0xLTcxNDc3NA_5c057e4b-c43f-48c8-ad7e-557886e846eb">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Entities accounted for using the equity method</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM0LTEtMS0xLTcxNDc3NA_65305b21-7a32-4fb8-a810-a07361246261">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM0LTItMS0xLTcxNDc3NA_4f698b01-3ffa-4e6c-9b19-1eaf0bf4374c">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM0LTMtMS0xLTcxNDc3NA_a5845b36-18f8-4f6f-a7af-0a5e0820d445">13</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Income tax relating to items subject to reclassification to income statements</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM1LTEtMS0xLTcxNDc3NA_66f734b7-5461-4cdd-bcd6-0571f8d827ed">770</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM1LTItMS0xLTcxNDc3NA_4ca2e72c-a068-496a-bfd2-a1bfae3832e4">523</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM1LTMtMS0xLTcxNDc3NA_851270df-caa5-449e-9ad1-e9c1eff07f99">243</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TOTAL RECOGNIZED INCOME (EXPENSE)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM2LTEtMS0xLTcxNDc3NA_eba00673-22c1-44bb-a9f1-45fff1c14723">7,637</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM2LTItMS0xLTcxNDc3NA_99bc1103-be35-4fa5-85bc-5c4ce21285e1">1,640</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM2LTMtMS0xLTcxNDc3NA_35caa7c1-664f-41dc-b438-318b760d35b6">3,315</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Attributable to minority interest (non-controlling interests)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM3LTEtMS0xLTcxNDc3NA_35fd8487-005a-48c4-be68-f2b76a473652">1,351</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM3LTItMS0xLTcxNDc3NA_dbc8ae15-e428-4573-a272-7e6a9a5e6998">500</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM3LTMtMS0xLTcxNDc3NA_1e46bce4-9440-4dde-9809-78e8998a71d9">606</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Attributable to the parent company</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM4LTEtMS0xLTcxNDc3NA_a1f95643-320d-4956-a975-758b85a887d2">6,286</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM4LTItMS0xLTcxNDc3NA_02979626-7f37-4b62-8605-f536a847d0d5">2,141</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDUvZnJhZzpjMDBjZmMwYzMzYzI0ZmQ5OGZlZDc5YTcxZTYzOWQ5OS90YWJsZTo1MzJiODU3YTkyMmY0YmQ0OWY4MGFiMzI0M2IyYjNjZC90YWJsZXJhbmdlOjUzMmI4NTdhOTIyZjRiZDQ5ZjgwYWIzMjQzYjJiM2NkXzM4LTMtMS0xLTcxNDc3NA_ca27adbd-1f9b-4669-9bc2-479ae1f208b7">2,709</ix:nonFraction>)</span></td></tr></table></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-9</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_508"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated statements of changes in equity for the years ended December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.908%"><tr><td style="width:1.0%"></td><td style="width:18.020%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.501%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.216%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.114%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.932%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.057%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.852%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.114%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Millions of Euros)</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capital</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 26)</span></div></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share Premium (Note 27)</span></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity instruments issued other than capital</span></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other Equity </span><div></div></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Retained earnings </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 28)</span></div></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Revaluation reserves</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;(Note 28)</span></div></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other reserves</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 28)</span></div></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(-) Treasury shares (Note 29)</span></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit or loss attributable to owners of the parent</span></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(-) Interim dividends (Note 4)</span></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss)</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;(Note 30)</span></div></td><td colspan="6" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-controlling interest</span></td><td colspan="3" rowspan="2" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss) (Note 31)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 31)</span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balances as of January 1, 2022 &#8317;&#185;&#8318;</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba2a81b7a98340f0bc5464e07c30e5dd_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtMS0xLTEtNzE0Nzc0_37b6799d-af55-428e-b7f0-e591f00057f4">3,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fabb840600e4d52be9495ca2f909cff_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtNC0xLTEtNzE0Nzc0_ce4b47e9-6b8d-4dc7-91b1-675bbe8babad">60</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb4a5bb1111849fb977b68ff6c48c60f_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtNS0xLTEtNzE0Nzc0_dbdcbc0b-0bb3-4294-89d3-c0cfa3f21658">31,841</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6f5e9a69b8a142528b613f0f2bf3056f_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtNy0xLTEtNzE0Nzc0_5b6665b8-8859-4639-85c1-5d42545591bb">1,857</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idfab56f03f274b88bdd61165e71a6c0d_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtOC0xLTEtNzE0Nzc0_9edfdd34-1aa4-4e88-a276-a13d3e99bb3d">647</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc86d88bb4174e1a83ccdd0842724461_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtOS0xLTEtNzE0Nzc0_a76edf31-356e-4a64-90bb-fa5c0394489d">4,653</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2959e70435ad466fbbfe3b932e4de35a_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtMTAtMS0xLTcxNDc3NA_3db371b1-5893-4c71-bc10-2806732da709">532</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i80495141d37746d2a55b231be6a08d8c_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtMTEtMS0xLTcxNDc3NA_4a86e969-a98a-412b-9d51-e73eaa1dd364">16,476</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8922d52488fb4fe487f5e5d2d2f8144d_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtMTItMS0xLTcxNDc3NA_4a727a1d-e5ff-4eed-beef-2f6fe07d6648">8,414</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3095392f6134c4aa58552e61d284930_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtMTMtMS0xLTcxNDc3NA_7e0d2fe0-708e-4521-a2ef-c82e1af5002d">13,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad0bc050e2ce476896f8f69e5975398a_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzMtMTQtMS0xLTcxNDc3NA_4831a205-d76d-4ad2-8cdd-17ebf27a96af">48,760</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total income/expense recognized</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5ace83a780f45cf8e696080146ae470_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtMS0xLTEtNzE0Nzc0_ea52d5bb-fe47-448c-a4d8-8a8a4b61b133">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ad58e15758d4be0b9044b004fd0a565_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtMi0xLTEtNzE0Nzc0_b4a8280a-cb23-4b86-907c-0c1fd21f6493">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4c611af339542cbb72f6c23837ec290_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtMy0xLTEtNzE0Nzc0_cf6ca4d3-cef2-4247-b0ae-5ef81b8ed8b9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifce01b416d674c41b838dd9ae09b4fa4_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtNC0xLTEtNzE0Nzc0_e734c69b-f1db-4ec7-bcad-4981d2930642">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb3bbcd26acf4bdb902c59e33a78df83_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtNS0xLTEtNzE0Nzc0_26f01323-88cf-4641-9d51-064bcf479ff0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0145f625073e4a7592bae4f9cf4b838d_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtNi0xLTEtNzE0Nzc0_feca9182-e5c7-45e7-8331-fcbd99f00665">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i838074e09ff44792a21558f4a659c1a1_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtNy0xLTEtNzE0Nzc0_665a3857-1c42-46d6-9609-599f0f7382be">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77c2848982a64170a9538524cc1d87e5_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtOC0xLTEtNzE0Nzc0_6b493dfd-2c08-42e1-af3e-099319f220c7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f0a3a5ea640447ea1d83c7641ea5092_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtOS0xLTEtNzE0Nzc0_6eb17a8e-986a-48de-8ed7-72a7d0f12612">6,420</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id84ce7e1ea0941f4a853c2c50a248097_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtMTEtMS0xLTcxNDc3NA_9708b57e-cd36-470b-b818-5f3c2e3f8151">134</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i25538c50ea0843aabd8da21adb80e627_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtMTItMS0xLTcxNDc3NA_08d11379-16aa-4f38-9bc1-91ff6049b8fd">944</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37ee0814fc534208b06f4c69bc29b010_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzYtMTMtMS0xLTcxNDc3NA_2c7ffb34-9d9c-40c7-9bc2-f81b64b26a17">407</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzctNC0xLTEtNzE0Nzc0_821f2343-1639-47e6-acfe-39d9c0468628">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb3bbcd26acf4bdb902c59e33a78df83_D20220101-20221231" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzctOC0xLTEtNzE0Nzc0_bb8eded2-73e4-4adf-9554-4a4627bb37a9">617</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7f0a3a5ea640447ea1d83c7641ea5092_D20220101-20221231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE4LTExLTEtMS03MTQ3NzQ_349a992e-f840-46f5-b7e4-d7c0989325f3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i25538c50ea0843aabd8da21adb80e627_D20220101-20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE4LTEyLTEtMS03MTQ3NzQ_0131b5e5-fa41-4948-800a-1162f5dae849">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37ee0814fc534208b06f4c69bc29b010_D20220101-20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE4LTEzLTEtMS03MTQ3NzQ_a2f8f349-b25f-496c-9860-48705cf3c828">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE4LTE0LTEtMS03MTQ3NzQ_f15df8db-91f1-47d6-8cb2-c34616975095">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers within total equity</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline"> (2) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(see Note 2.2.19)</span></div></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5ace83a780f45cf8e696080146ae470_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE5LTEtMS0xLTcxNDc3NA_7e4e46d6-722a-44c1-983a-4f2766912526">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ad58e15758d4be0b9044b004fd0a565_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE5LTItMS0xLTcxNDc3NA_377e44a4-9601-43e4-ac74-bc8340f22fe5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4c611af339542cbb72f6c23837ec290_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE5LTMtMS0xLTcxNDc3NA_e8f9282e-d1e5-4742-a225-244d476905ae">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifce01b416d674c41b838dd9ae09b4fa4_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE5LTQtMS0xLTcxNDc3NA_d6ffb84f-3d85-4d7f-9620-60b32324fe23">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb3bbcd26acf4bdb902c59e33a78df83_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE5LTUtMS0xLTcxNDc3NA_55c50bbe-f56b-4368-a8e6-8b1d86e69b87">2,234</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0145f625073e4a7592bae4f9cf4b838d_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzE5LTctMS0xLTcxNDc3NA_f0a1bd95-4073-4f77-a273-170137328976">2,709</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77c2848982a64170a9538524cc1d87e5_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIyLTE0LTEtMS03MTQ3NzQ_25f81f33-a62f-488d-98a2-a9d75608c243">857</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance as of December 31, 2022</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i23ddada4454e45aab9b6e335d1cd8b95_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTEtMS0xLTcxNDc3NA_3a1d2ce9-aa29-4461-bffe-866ffe5588e8">2,955</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35a4bb5ab8664bc58380f54b3d5df18a_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTItMS0xLTcxNDc3NA_da9d497f-3bce-4088-847f-a04a6ccbaa96">20,856</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i982c8a10e3f1423cb92f703ca5339deb_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTMtMS0xLTcxNDc3NA_300a9037-cd00-410d-a3e7-928a00add117">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4fa606867075461282a41aa65c4843a4_I20221231" decimals="-6" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTQtMS0xLTcxNDc3NA_95d4ef9f-1956-49dc-bf0a-324c79b458b7">63</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a09f9d938a744b5907eb459e601fb83_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTUtMS0xLTcxNDc3NA_ca8de8f7-1e2d-4e95-9d77-c887baf1819c">32,536</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iebe976ba99fb48e5a90b4445cb8943c5_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTctMS0xLTcxNDc3NA_c400faba-efad-4816-9ab9-7d27641b36ef">2,345</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i399fe7855db5410e90e9f4ddcf640ad6_I20221231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTktMS0xLTcxNDc3NA_ae616c3e-1e8f-4311-a63b-080c96bed512">6,420</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ide2f4fe7cc1b4a31aeb9143cc88c0a48_I20221231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTEwLTEtMS03MTQ3NzQ_79a3aade-51f1-4ca5-a122-d26b607f75dd">722</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6451c9efefc14e9e925f8f9c125d440b_I20221231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTExLTEtMS03MTQ3NzQ_952ea0cc-ee64-43ec-8daa-027546fe8c8c">17,432</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7f2c4231bd284ee0947c3f79a14a5307_I20221231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTEzLTEtMS03MTQ3NzQ_db37b486-1088-421b-9b3b-6c4a6bf708ba">6,736</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTpiYzRiMDE0NDgyOGQ0ZDA1YjRkM2UzZjNlMjdhMGZkYS90YWJsZXJhbmdlOmJjNGIwMTQ0ODI4ZDRkMDViNGQzZTNmM2UyN2EwZmRhXzIzLTE0LTEtMS03MTQ3NzQ_6a9c9c26-36f2-4ef1-bbf6-0034398d90ef">50,615</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances as of December 31, 2021 as originally reported in the Consolidated Financial Statements for the year 2021.</span></div><div style="margin-bottom:10pt;margin-top:3pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%">(2) The headings "Transfers within equity" and "Other increases or decreases in equity" include the effects of the application of IAS 29 in the subsidiaries in Turkey (see Note 2.2.19) for amounts of &#8364;1,873 million in "Retained earnings", &#8364;1,862 million in "Accumulated other comprehensive income (loss)" and, under the heading of "Non-controlling interests" include, &#8364;1,621 million in "Other" and &#8364;1,480 million in "Accumulated other comprehensive income (loss)".</span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:56.69pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-10</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated statements of changes in equity for the years ended December 31, 2022, 2021 and 2020 (continued)</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.908%"><tr><td style="width:1.0%"></td><td style="width:18.020%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.501%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.216%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.114%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.932%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.443%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="background-color:#e9e9e9;border-left:1pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Millions of Euros)</span></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capital</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 26)</span></div></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share Premium (Note 27)</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity instruments issued other than capital</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other Equity </span><div></div></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Retained earnings </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 28)</span></div></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Revaluation reserves</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;(Note 28)</span></div></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other reserves</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 28)</span></div></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(-) Treasury shares (Note 29)</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit or loss attributable to owners of the parent</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(-) Interim dividends (Note 4)</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss)</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;(Note 30)</span></div></td><td colspan="6" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-controlling interest</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:47pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss) (Note 31)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 31)</span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balances as of January 1, 2021 &#8317;&#185;&#8318;</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id64c6b8231a142aa989e92373acb37ba_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMS0xLTEtNzE0Nzc0_6876c573-431d-452f-b5f8-2828f0f601b9">3,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f0442e42fc24b4595f6ffebf98a2cc0_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMi0xLTEtNzE0Nzc0_6d9fc3ed-558a-41c2-9294-e5876fb59561">23,992</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37081661d4fc41e2a5e8aa09fc567fe7_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMy0xLTEtNzE0Nzc0_5a64103e-a179-4997-ad35-23bb2a106db6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6d46f66399ff4ccbbe820cb14845099f_I20201231" decimals="-6" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtNC0xLTEtNzE0Nzc0_d246c4fb-f1c4-43ec-a823-b17083af9516">42</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e13b2db83704227af3d4302c850ca29_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtNy0xLTEtNzE0Nzc0_8a30dbc4-fb75-4016-ad02-0111dcf77c97">164</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7f846a8a03847d59108aa80f74a5201_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtOC0xLTEtNzE0Nzc0_2301eee9-7550-4770-9add-c3bcd6f96a2b">46</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64093e2d09da479fbce9e07e47c81bf8_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtOS0xLTEtNzE0Nzc0_69749670-f985-4599-9a1b-73c8ec253356">1,305</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91c72385fffc4adca91ab95560e34f14_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMTAtMS0xLTcxNDc3NA_3d144b74-165d-42eb-b258-c1bd6aa648ab">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3ef5a02f8b0b44ecab327b9e13412833_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMTEtMS0xLTcxNDc3NA_cd5edf82-7605-4ee3-8105-6a96e087a2a6">14,356</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ide2f818b0a2d4ec58f59becc56d69f35_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMTItMS0xLTcxNDc3NA_21eba14e-3aa6-44ad-9d88-2450a18ca5e7">6,949</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78531744b3e14d8297a9381dbed66fb7_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMTMtMS0xLTcxNDc3NA_21fb6d09-03a9-4948-8bf8-a651d8741cdc">12,421</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccedaf56ea7a4932acb140727ca65054_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzMtMTQtMS0xLTcxNDc3NA_f70340a2-b996-456a-9f8a-a6d200ca3d69">50,020</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total income/expense recognized</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9908f7efb8b744d5896397e01294ed53_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMS0xLTEtNzE0Nzc0_b780b3f5-2964-4b5c-80c5-6d019901abf5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad3111b1984e426b807ec3687870ab2c_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMi0xLTEtNzE0Nzc0_d9924e26-ddf7-4c08-b639-070e5893027f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26bab29d6303461b84c3e44f20e50cce_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMy0xLTEtNzE0Nzc0_82b27ddb-5df0-4c10-bc64-eb9310e55439">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb9432b47b14433991e8a3097dee1cbd_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtNC0xLTEtNzE0Nzc0_01db5383-6cbe-4d40-b899-c3c2828c84e8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaefc485376943ffa4bced8de9cb08ad_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtNS0xLTEtNzE0Nzc0_a0390e8a-42fa-4cbc-99ac-358657cecc17">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2dfdab9ba2a4a9ea9162d87414f2106_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtNi0xLTEtNzE0Nzc0_15ec57f5-930e-4c39-92e7-11c9f29b2eac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia0efb2122f2842f7885d3b748a66d6c9_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtNy0xLTEtNzE0Nzc0_83085508-03de-4885-a636-8d135a741854">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb19092e419c4b65b8731e6815a58bec_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtOC0xLTEtNzE0Nzc0_64f16435-b1fa-40d2-8000-33bd189f278e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab034c16c9454218b9cb7709321483af_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtOS0xLTEtNzE0Nzc0_bc864b57-a7e7-48b8-b259-de0fdccf3f83">4,653</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i36e58dc6341640f8af6a3d2bf5f8895a_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMTAtMS0xLTcxNDc3NA_24bfae62-4b9a-4241-bd4f-f09917aea047">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if3786b025b324b4f95d86ed04754855d_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMTEtMS0xLTcxNDc3NA_c30a7bb1-9610-43d5-a72d-f7eae0877407">2,512</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib8910f913b0143ed944932ca00e98dee_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMTItMS0xLTcxNDc3NA_351fa915-3d13-4412-810a-fa8218ccb265">1,465</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i83a080e6b9194867b7febbe2c1fd7ec2_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzYtMTMtMS0xLTcxNDc3NA_c07365f2-143b-47ff-8fa6-37190527f71a">965</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" 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name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzctMS0xLTEtNzE0Nzc0_72e70d66-ac26-478b-b9e6-99e83c127347">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iad3111b1984e426b807ec3687870ab2c_D20210101-20211231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzctMi0xLTEtNzE0Nzc0_e9d274e8-583b-42a7-8857-eab4029493c4">393</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26bab29d6303461b84c3e44f20e50cce_D20210101-20211231" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzctNC0xLTEtNzE0Nzc0_121e7e10-8879-4a07-840c-3664c4f6df34">17</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaefc485376943ffa4bced8de9cb08ad_D20210101-20211231" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzctNi0xLTEtNzE0Nzc0_f9b27a13-abde-4212-84f3-5a707cb9d4d5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia0efb2122f2842f7885d3b748a66d6c9_D20210101-20211231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzctNy0xLTEtNzE0Nzc0_695ce2a6-6b86-4649-ad27-cb5734209cc1">1,693</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idb19092e419c4b65b8731e6815a58bec_D20210101-20211231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzctOC0xLTEtNzE0Nzc0_d5d4f2e0-9f35-4f65-b0fb-096356e25906">600</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iab034c16c9454218b9cb7709321483af_D20210101-20211231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIyLTExLTEtMS03MTQ3NzQ_c13a7e90-945f-4062-b15d-7f302985d1e1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8910f913b0143ed944932ca00e98dee_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIyLTEyLTEtMS03MTQ3NzQ_38ae5d6a-c715-462b-9129-8b0cb854aee6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i83a080e6b9194867b7febbe2c1fd7ec2_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIyLTEzLTEtMS03MTQ3NzQ_277ad9d2-c04d-4679-8a8a-a001f2d1abb8">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIyLTE0LTEtMS03MTQ3NzQ_cd8f46c6-e6cb-4910-aeae-dce6d8b3d655">1,260</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance as of December 31, 2021</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib62d6853966a4580aeb0062013d386e4_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTEtMS0xLTcxNDc3NA_0fda8185-9aff-4bca-8f95-57a0c587dd12">3,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05e54dd05d784cae8bd69e7770cdfd8b_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTItMS0xLTcxNDc3NA_af2cde48-2e0a-4b23-932e-c66681afaeac">23,599</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i988349f1fac540ca94933c7bb6f51045_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTMtMS0xLTcxNDc3NA_a2eeca3e-e90f-4c24-a67f-bdf554f1a20c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i530a340b6178428f8a3fbc919ec68719_I20211231" decimals="-6" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTQtMS0xLTcxNDc3NA_fb9fa68b-0e5a-4cb8-a97c-1ee3ccfd00f0">60</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c7b9a585e36456397a0c52af18390c0_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTUtMS0xLTcxNDc3NA_a93bb874-6660-4aff-89a2-b482f1aaf2bb">31,841</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i278cd3936c434529801fab276afcb4b2_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTYtMS0xLTcxNDc3NA_b2ce867d-69da-4903-a748-df64e1a5d61a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib41fd90cd78e45fc9923e140f083e98a_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTctMS0xLTcxNDc3NA_6d71797a-76cc-4baa-923f-1387fc639a8e">1,857</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i66f88661bc984355b7f85037ec7cb20a_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTgtMS0xLTcxNDc3NA_af4b3adc-ad20-4b1d-82d4-4c8038498952">647</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba65e2b8ffdc4c089a22084320f61c73_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTktMS0xLTcxNDc3NA_3e182c46-b0a6-4a29-9556-ca356d092e6a">4,653</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id6fa374d433c4b5f90795eaf5774e854_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTEwLTEtMS03MTQ3NzQ_92a772f2-2285-489a-89f0-98d0934daa45">532</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i13580ac4a0b4498281b7f55341b2d48d_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTExLTEtMS03MTQ3NzQ_05322600-d26a-4ed5-a443-29c28d63a4bb">16,476</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i069c622e44684860b39de60a257b440c_I20211231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTowYzY4YjJmNzJhN2U0N2I2ODkxNjJjNmYwOTNkMjI2NS90YWJsZXJhbmdlOjBjNjhiMmY3MmE3ZTQ3YjY4OTE2MmM2ZjA5M2QyMjY1XzIzLTEzLTEtMS03MTQ3NzQ_4fca78da-fc64-4e28-bc3e-afc66a621e8a">13,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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style="height:56.69pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated statements of changes in equity for the years ended December 31, 2022, 2021 and 2020 (continued)</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.908%"><tr><td style="width:1.0%"></td><td style="width:18.020%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.501%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.216%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.114%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.932%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.852%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Millions of Euros)</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capital</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 26)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share Premium (Note 27)</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity instruments issued other than capital</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other Equity </span><div></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Retained earnings </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 28)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Revaluation reserves</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;(Note 28)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other reserves</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 28)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(-) Treasury shares (Note 29)</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit or loss attributable to owners of the parent</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(-) Interim dividends (Note 4)</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss)</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;(Note 30)</span></div></td><td colspan="6" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-controlling interest</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss) (Note 31)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Note 31)</span></div></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balances as of January 1, 2020 (&#185;)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icaf5155c59114db7b9bacac664508f10_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtNy0xLTEtNzE0Nzc0_1c78bef4-4208-4393-a3f5-97159cac533e">125</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0587d758ef194caa9c694a46c321eb42_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtOC0xLTEtNzE0Nzc0_435f40c4-60a8-4681-a01b-0dd244f31ba4">62</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5aa687088454fe8ba93e2f7ba305b47_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtOS0xLTEtNzE0Nzc0_c87cc854-20c9-4ebb-8507-bd2633fac5a8">3,512</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6c96b93594a241a18be61826055c26d7_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtMTAtMS0xLTcxNDc3NA_9096d42d-f156-447f-9876-37ff4d408cc1">1,084</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia3a21653a93a4f04aa469406217a53d9_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtMTEtMS0xLTcxNDc3NA_233a530a-c5d7-4074-81d8-621fe7aa8a46">7,234</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie4c760f6d8e24dc2b2056717abf98798_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtMTItMS0xLTcxNDc3NA_77ad78f4-9116-4c87-b9b1-ceb1eb2fcb36">3,527</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19b8cd1467f645cc85915c8298bfb761_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzMtMTMtMS0xLTcxNDc3NA_122cfeaf-b69b-43aa-bd33-895bf9a1785f">9,728</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i70ca16d458f0413398be1d8ed63b7195_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtNC0xLTEtNzE0Nzc0_dca6fb4b-a921-41b2-907a-8002dd4cfe77">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d3ec797347b4b4ca0e089d638e2ea3b_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtNy0xLTEtNzE0Nzc0_6280c11d-d410-4053-825b-364d321bc783">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45dce26643ef411995db2f5c92eff1f1_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtOC0xLTEtNzE0Nzc0_28b9fc7f-ad29-41c1-8dac-1ff30a6a54c2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if193a906944746fba4b7ad528c375644_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtOS0xLTEtNzE0Nzc0_82f9825a-6947-43af-815e-22f0218d7556">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0f17b6c38a94848a235a326548d23f5_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtMTAtMS0xLTcxNDc3NA_fbc3cdef-af3e-4528-94fd-ae0210656215">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i66593790852e435ca859899462b89215_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtMTEtMS0xLTcxNDc3NA_1431f4ef-c9a9-4453-a703-217878be063f">2,992</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i344e347af3b442a79c6df2c590351141_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtMTItMS0xLTcxNDc3NA_e46a2c3e-9363-4f6c-8cfc-d11645ec4c3f">2,045</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e37ffca654744248559a2c98da3bda8_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtMTMtMS0xLTcxNDc3NA_5b9434e6-4807-4ff9-9495-3d2da3dc3a3f">2,045</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d281ff41061464ab88ba51db40ffe4a_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzQtMTQtMS0xLTcxNDc3NA_ae61e351-7794-409e-b6a0-4efbb29856d5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Adjusted initial balance</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f67aaab0e304bb9902774530afac073_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMS0xLTEtNzE0Nzc0_ecf7375a-f013-4cd2-9e60-75296dd17e73">3,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie46d98256f0d48c4aba5ba33f2ce9412_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMi0xLTEtNzE0Nzc0_caf125af-fa10-4604-97d5-38ca51f8ec25">23,992</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5241c6aecbd495a9e603e011379aec7_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMy0xLTEtNzE0Nzc0_7e3c3c07-95a5-45a1-bb14-758e544f92f3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08e397a4452443c5be1712567948c7be_I20191231" decimals="-6" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtNC0xLTEtNzE0Nzc0_3f73e369-f582-44a1-a754-c7209f998882">56</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia089496f3420498bb41e2b25163c33cb_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtNS0xLTEtNzE0Nzc0_037760dd-b61e-4894-9b0a-4d3dcb245b5a">29,388</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i83bb7eb96fd647279dfb28d39523993f_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtNi0xLTEtNzE0Nzc0_86ebd06d-3afd-42e6-91c8-962b9947b3e5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4e5a82c989d5439ba1f173f475fd1a20_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtNy0xLTEtNzE0Nzc0_3519fdbe-bcf8-40b9-ac9f-ba0ce66f8d0d">119</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic99db9456fa643d79dbaaecb1f94f9d1_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtOC0xLTEtNzE0Nzc0_fb2145f6-5c5b-4a51-a15b-cfbd508facab">62</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdfd6ebc971f4083adf18b5c74c27e1c_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtOS0xLTEtNzE0Nzc0_5a73b440-a51e-4b6d-9bf5-d6bda542f9b0">3,512</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i02022fd40c484835ac49628863b0f7ec_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMTAtMS0xLTcxNDc3NA_ad35e608-de41-4f1c-a24b-908321deb97e">1,084</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3d468ed6dc9e460d8859ec5894eb51b8_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMTEtMS0xLTcxNDc3NA_87a00bbb-090a-4a80-aeb4-a61e30521355">10,226</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2f225baa932647bba758c9887bb1877d_I20191231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMTItMS0xLTcxNDc3NA_dc38252a-69ea-4b69-9738-7c033ab15ac0">5,572</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67f52af79155460c83c41ffc7d42a00f_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMTMtMS0xLTcxNDc3NA_32710e41-a718-46e8-874c-e8c846b1beeb">11,773</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzUtMTQtMS0xLTcxNDc3NA_9af1cbe1-10c7-48b8-8f05-0120005bfc09">54,925</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total income/expense recognized</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id499b97aaf874a4cb59be3bfd1280c17_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMS0xLTEtNzE0Nzc0_ee24e23e-1bf9-46ae-803e-5e7bc5708dc8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d1d85eaf27b411b855788779f1f6eb1_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMi0xLTEtNzE0Nzc0_ad31e8dc-e69a-4ca9-a174-68500f917e88">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b3e6bd1cf94d899f3bb0131513f94d_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMy0xLTEtNzE0Nzc0_d52dca6d-bd7c-4a04-a730-9e884697d7fe">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f4431e7b58147999fb6bb465099b1b6_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtNC0xLTEtNzE0Nzc0_06114df8-1527-4e3d-8717-7f7493bb9371">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if30bd55047f140f3a78416de9f41b446_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtNS0xLTEtNzE0Nzc0_f56bc31b-e938-4394-9f97-dd6906a6e831">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i122956557b344a45ae26327788dbe78d_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtNi0xLTEtNzE0Nzc0_a5e6f2ef-eebc-4212-a5c2-04f69f6bb483">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i858f5438ceff434f801978818c668f40_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtNy0xLTEtNzE0Nzc0_77144ccc-d2ab-45ac-9b75-a7df136197bb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d1bf1c0781a434b895f58d0f66baf52_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtOC0xLTEtNzE0Nzc0_2f8dfdc4-5816-48e1-9944-8bb9d35bdadc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief2c5f61d99540ae869da4960089bcf5_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtOS0xLTEtNzE0Nzc0_7b9b8403-cd9b-4577-af69-6e4890603770">1,305</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0326566ff9c4ab9a8deabd4e1ea6272_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMTAtMS0xLTcxNDc3NA_d4692425-22e1-4279-9728-5bf248e2afcf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iebfd811104064c72bf2a262deb46d516_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMTEtMS0xLTcxNDc3NA_12694d21-b881-40bf-b23c-dd82f105de18">4,014</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85961246ef2c48dc9067e8cc055365a7_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMTItMS0xLTcxNDc3NA_78461ed4-2b82-449e-b5cd-544e7d7e2968">1,361</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i245578f0b4604b86b5d4ffec2ebfb950_D20200101-20201231" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzYtMTMtMS0xLTcxNDc3NA_cf52ca3c-4995-4951-8cc2-eee6be84ee3c">755</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzctOC0xLTEtNzE0Nzc0_2cae8543-f98f-4a7a-b46f-1864090dc017">16</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ief2c5f61d99540ae869da4960089bcf5_D20200101-20201231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzctOS0xLTEtNzE0Nzc0_8df05a83-b946-4b0e-b916-a09ef4fe1a78">3,512</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0326566ff9c4ab9a8deabd4e1ea6272_D20200101-20201231" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzctMTEtMS0xLTcxNDc3NA_468ac904-f0ac-4203-ae6d-4ac976f1ef80">116</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85961246ef2c48dc9067e8cc055365a7_D20200101-20201231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzctMTItMS0xLTcxNDc3NA_536c53ba-01f8-4c8d-aaeb-345d533b2b17">16</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i245578f0b4604b86b5d4ffec2ebfb950_D20200101-20201231" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIyLTEzLTEtMS03MTQ3NzQ_067a3bff-801d-48e5-b265-5d8caa49815b">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIyLTE0LTEtMS03MTQ3NzQ_53aaa90a-6a8f-4d18-8f31-dc93ff486dad">394</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance as of December 31, 2020</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a4482339c1346e79661c225d480b1eb_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTEtMS0xLTcxNDc3NA_6a273361-4d33-46a7-99cc-73cd86d2fce9">3,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c7dbd3f9e2347ccbe53b6107060c4f5_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTItMS0xLTcxNDc3NA_f65a30f5-edbe-483a-8569-b0a34b1ae36f">23,992</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c7470598e734ce7b914d4ca50662f12_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTMtMS0xLTcxNDc3NA_dcfbab92-016c-46cd-9668-2c729ffbebe6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94efffee6e5043e4b9f77140b991dca8_I20201231" decimals="-6" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTQtMS0xLTcxNDc3NA_18843b68-4b44-4ebe-b309-e8edebaac698">42</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide5e1a53de3f4364a7ace19c44dbf58b_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTUtMS0xLTcxNDc3NA_ce686de9-9934-4ad0-bf68-a7474fc04ae9">30,508</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i04477487b05d4431ad27d5b45e4778e7_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTYtMS0xLTcxNDc3NA_fd75f93b-e0b3-4cb0-9312-98e52f0ef714">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8d19ea61d19e4cfbb6dc0d9badb5336b_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTctMS0xLTcxNDc3NA_4c2fb9f2-388e-46fe-a806-b1d3c84a59c1">164</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i04e8feab174a4b88955468daf488bf77_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTgtMS0xLTcxNDc3NA_c39736cf-ff9c-4ed9-beea-6726b89f38a4">46</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic01afbc144814df5a6cf5bbb29f5e63e_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTktMS0xLTcxNDc3NA_85dd12f7-6f4a-4775-8f0a-09ee5a41dd48">1,305</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cf34dcadffc4e08b2bddb30cc1101f7_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTEwLTEtMS03MTQ3NzQ_f6d22a1b-f1a3-40d1-87e8-efb798259362">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i96de16bc59014356bf4f753bea317452_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTExLTEtMS03MTQ3NzQ_9de8cfd1-bab2-4613-ab35-2980dd7a05fa">14,356</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2c7285ce86954023a0f78aa97fb507b8_I20201231" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTEyLTEtMS03MTQ3NzQ_b7b9f180-6c09-45d8-977a-4ed158e14cac">6,949</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i624e3bd8af2249e1a8c984650560318c_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTEzLTEtMS03MTQ3NzQ_52247d22-a34d-4d2f-9f21-81cebacf423f">12,421</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MDgvZnJhZzo4MGQ4MjU2Yzk0NGU0YjVjYmY3MTU0OTk0MjJhY2VlMC90YWJsZTo3ODI4NmRmYzk5OWQ0Y2QyYTgwZDY2OTEwNmI2ODdlZi90YWJsZXJhbmdlOjc4Mjg2ZGZjOTk5ZDRjZDJhODBkNjY5MTA2YjY4N2VmXzIzLTE0LTEtMS03MTQ3NzQ_42637a70-4de3-4578-8536-1aa2631c8c48">50,020</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1)  Balances as of December 31, 2019 as originally reported in the Consolidated Financial Statements for the year 2019.</span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:56.69pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-12</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_511"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Consolidated statements of cash flows for the years ended December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.383%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">CONSOLIDATED FINANCIAL STATEMENTS OF CASH FLOWS (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">A) CASH FLOWS FROM OPERATING ACTIVITIES</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzItMi0xLTEtNzE0Nzc0_95ae8175-6cdf-4973-8d3d-fe25dfbae6b5">23,718</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzItMy0xLTEtNzE0Nzc0_2b9f480a-8a75-4cbe-be73-130fa58f5378">1,242</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzItNC0xLTEtNzE0Nzc0_1ed1d2d5-5168-4bc1-bfa0-6007c2c36267">39,349</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of which hyperinflation effect from operating activities</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2.2.19</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMtMi0xLTEtMTI4NjI3Mg_28d203b3-431d-4a5d-bf17-3f4ad4e3d619">2,692</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromOperatingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMtMy0xLTEtMTI4NjI3Mg_2f492fe8-22ad-4cdf-a9ea-fb0e588ecde5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromOperatingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMtNC0xLTEtMTI4NjI3Mg_34380717-2e65-4e6b-af23-2c0eb55e2fa1">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit for the year</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMtMi0xLTEtNzE0Nzc0_978fe043-3c63-4c80-a547-ee8d25b119ba">6,827</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMtMy0xLTEtNzE0Nzc0_0930d639-b605-47cf-aabc-765783e5e56e">5,618</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMtNC0xLTEtNzE0Nzc0_26a9c46c-ddd2-4866-b00a-b04bc9a03ff9">2,060</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Adjustments to obtain the cash flow from operating activities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdjustmentsForReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQtMi0xLTEtNzE0Nzc0_01eb6a18-5040-4c23-928c-c14964a8cd10">11,770</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdjustmentsForReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQtMy0xLTEtNzE0Nzc0_8d13d1b3-963a-442c-a8a8-87775695bc64">7,688</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdjustmentsForReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQtNC0xLTEtNzE0Nzc0_72a0d4a9-2c9e-446a-b2e8-1957f3cffe3c">11,653</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzUtMi0xLTEtNzE0Nzc0_16ae180f-cb1f-421d-a18d-6a5006b15381">1,328</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzUtMy0xLTEtNzE0Nzc0_32087fbb-2018-47b3-a4fa-e7c69d1e4c4e">1,234</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzUtNC0xLTEtNzE0Nzc0_b3c9fe53-f1d6-42d9-bc06-954493bfc87d">1,288</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other adjustments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzYtMi0xLTEtNzE0Nzc0_6a4dfc85-5e0b-4a6d-8b9e-7fcfde3bcb2a">10,442</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzYtMy0xLTEtNzE0Nzc0_470182fa-ff64-4d57-997e-9b94ff14ca5c">6,454</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzYtNC0xLTEtNzE0Nzc0_2b893f0f-9be3-4a77-80a0-5e4a76ec6dbb">10,365</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net increase/decrease in operating assets </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NetIncreaseDecreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzctMi0xLTEtNzE0Nzc0_d30b8522-696e-4f33-9577-9f1c5f820a07">42,900</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NetIncreaseDecreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzctMy0xLTEtNzE0Nzc0_a3ebab5d-17bb-4c40-9edc-ec7a0f69af6f">38,267</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NetIncreaseDecreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzctNC0xLTEtNzE0Nzc0_d0513ec4-5ab6-4dc1-9263-bb357e881ed6">57,370</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzgtMi0xLTEtNzE0Nzc0_5a5f784a-b414-48a6-8cd1-00cdea6ee740">14,658</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzgtMy0xLTEtNzE0Nzc0_530d262c-48a7-44d8-879b-d815f8ccd5d7">17,031</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzgtNC0xLTEtNzE0Nzc0_56549f40-96cf-4e5a-a86e-6f75e9428ddf">10,351</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzktMi0xLTEtNzE0Nzc0_5ad8ed4c-10fc-4d52-894b-6faccca95981">421</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzktMy0xLTEtNzE0Nzc0_f6680559-3c48-4f91-aab9-bd7c4d1c86d0">908</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzktNC0xLTEtNzE0Nzc0_3fb76524-c5a1-4358-aa72-b34be33d155a">241</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEwLTItMS0xLTcxNDc3NA_3ea09444-48c8-4892-a3df-29266ecd6436">179</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEwLTMtMS0xLTcxNDc3NA_8f28b247-71a3-4337-bbd3-7d79b5023fcb">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEwLTQtMS0xLTcxNDc3NA_43f42ed5-0b18-4aff-8b7f-c23dca33cb47">97</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzExLTItMS0xLTcxNDc3NA_8f2d16ab-eb93-4ff0-96e7-86c45ff20973">1,014</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzExLTMtMS0xLTcxNDc3NA_3eec9115-85bc-49ac-a413-f8668644acc6">7,116</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzExLTQtMS0xLTcxNDc3NA_75d63071-9905-4a74-b6d8-3d561939b5e2">16,649</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEyLTItMS0xLTcxNDc3NA_507b358e-c180-40c4-8cd4-c141dd0f3d7d">55,754</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEyLTMtMS0xLTcxNDc3NA_4ad89989-d8db-40fa-b2ea-c3e7e3ede6c2">28,062</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEyLTQtMS0xLTcxNDc3NA_e9fec65a-98ee-41f2-a760-40b662edc68e">30,212</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other operating assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEzLTItMS0xLTcxNDc3NA_5b64e38e-6d2c-42cc-813b-d3d5de97cc5e">548</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEzLTMtMS0xLTcxNDc3NA_3aef001c-d630-4e35-bf08-3cf850065934">592</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzEzLTQtMS0xLTcxNDc3NA_ecd463b5-e8fc-45e4-9c9f-ffb672a1f7d5">15</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net increase/decrease in operating liabilities </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE0LTItMS0xLTcxNDc3NA_8ddbe1a5-bc04-4ef5-a6b4-2da935b3f0ec">51,256</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE0LTMtMS0xLTcxNDc3NA_068d4124-c906-4be5-b20d-f2bb04ac9cdc">25,266</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE0LTQtMS0xLTcxNDc3NA_9ae57e9a-4d84-48c7-9530-48df4fa55a0f">84,961</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE1LTItMS0xLTcxNDc3NA_9bae4d96-4e0d-4c2e-b70d-4965e6b557f4">2,907</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE1LTMtMS0xLTcxNDc3NA_686a5bc7-bf4e-4012-ab0f-d369b4133f47">6,479</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE1LTQtMS0xLTcxNDc3NA_8f09d344-33bf-4abf-8def-07587e6fc748">247</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE2LTItMS0xLTcxNDc3NA_56742100-ada4-4d9e-a4e9-5fbef51bab72">293</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE2LTMtMS0xLTcxNDc3NA_dfe98871-5179-4812-b659-88c61bce9223">837</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE2LTQtMS0xLTcxNDc3NA_29d3cd24-4ac5-4a6e-992c-d8c8062ae788">647</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesAtAmortizedCostOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE3LTItMS0xLTcxNDc3NA_91807292-1ec2-4d3d-bec3-5176a44f46ae">48,161</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesAtAmortizedCostOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE3LTMtMS0xLTcxNDc3NA_66c6da72-7186-48fe-af51-585d88fd1aa7">19,682</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesAtAmortizedCostOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE3LTQtMS0xLTcxNDc3NA_09dbb96b-9017-4579-999f-7c92eb6c7d6b">84,853</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other operating liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE4LTItMS0xLTcxNDc3NA_291d4faa-0b08-441c-9b08-75581a47b464">105</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE4LTMtMS0xLTcxNDc3NA_b5cd5441-0f3a-4c96-ba37-838f7209a3ce">58</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE4LTQtMS0xLTcxNDc3NA_7317c1fd-cf2c-4726-afcd-adbff1e3a3c0">787</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Collection/Payments for income tax</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE5LTItMS0xLTcxNDc3NA_83e3b4ff-d324-434b-8190-86163d875110">3,234</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE5LTMtMS0xLTcxNDc3NA_a8a276b6-df8e-4b2c-8bce-8b6b794b6fb9">1,546</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzE5LTQtMS0xLTcxNDc3NA_c363f931-c26e-4d14-83fb-f82da718fa6e">1,955</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">B) CASH FLOWS FROM INVESTING ACTIVITIES</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIwLTItMS0xLTcxNDc3NA_7c97ee23-b220-47c6-a41b-1855a0d7c1ae">3,911</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIwLTMtMS0xLTcxNDc3NA_e70e7045-50e0-4a68-99f7-31fc80279e76">1,634</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIwLTQtMS0xLTcxNDc3NA_01ff8ee1-0886-49c0-bced-7add738816e0">37</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of which hyperinflation effect from investing activities</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2.2.19</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIyLTItMS0xLTEyODYyNzI_5f5b7eff-2974-43aa-8a92-63265399fd2a">759</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIyLTMtMS0xLTEyODYyNzI_916b24da-b77a-43fa-b36c-3873eebcd120">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIyLTQtMS0xLTEyODYyNzI_4232d773-7214-434f-9c49-8d35bfef2d72">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment </span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIxLTItMS0xLTcxNDc3NA_d3e9a4e7-a5eb-43a4-94fb-d692d7c1b7bb">4,506</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIxLTMtMS0xLTcxNDc3NA_1af2aa70-11dd-45f6-ba7d-d2f67988fc34">12,472</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIxLTQtMS0xLTcxNDc3NA_c8bcedf1-75d7-49bd-9495-56e9512a2cea">1,185</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIyLTItMS0xLTcxNDc3NA_1080751c-bbf7-42b3-b175-a1f034d0e62b">1,812</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIyLTMtMS0xLTcxNDc3NA_90d00aa9-df06-47f8-865a-a0cf56c415e3">396</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIyLTQtMS0xLTcxNDc3NA_488446de-aff5-4fd2-a5c2-0af1ea092f18">632</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIzLTItMS0xLTcxNDc3NA_3780de6d-6fad-4b77-9926-a6c4e5fe78c8">630</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIzLTMtMS0xLTcxNDc3NA_f2084018-995e-487c-ba0a-48f458305a7f">550</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzIzLTQtMS0xLTcxNDc3NA_27acdf9d-e926-4b6d-a5ae-4b7db5a00239">491</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI0LTItMS0xLTcxNDc3NA_0b22fa17-7cc6-492e-9b20-e7d8b7868423">81</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI0LTMtMS0xLTcxNDc3NA_ca5304c9-0ad7-4ed9-ab37-303103ee59f7">50</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI0LTQtMS0xLTcxNDc3NA_bb39e098-0f9a-40d5-bb14-445d810877df">62</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Subsidiaries and other business units</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI1LTItMS0xLTcxNDc3NA_a0f6b2b0-f0f8-4129-aa98-e1142422100e">1,389</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI1LTMtMS0xLTcxNDc3NA_64a29f3b-347a-4a31-b973-15ba4b2b830b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI1LTQtMS0xLTcxNDc3NA_75a3407a-0968-477f-9a4b-b3e7cada12f0">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-current assets classified as held for sale and associated liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI2LTItMS0xLTcxNDc3NA_0eb119dd-2113-4890-b3e9-50c4bc773cdb">594</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI2LTMtMS0xLTcxNDc3NA_bea9fc3b-0f54-441b-8bbe-7225b728f361">11,476</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI2LTQtMS0xLTcxNDc3NA_3502c1a3-2d2a-4126-bdd0-f1becb484443">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other settlements related to investing activities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherOutflowsOfCashClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI3LTItMS0xLTcxNDc3NA_74649d5e-5f5d-4a5b-adcc-7e16ce57ebcb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherOutflowsOfCashClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI3LTMtMS0xLTcxNDc3NA_6388b06f-1265-4208-aa2b-38a892e2651d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherOutflowsOfCashClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" 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scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI4LTItMS0xLTcxNDc3NA_5357d01c-b45e-4220-bed6-f51db8eebe8b">596</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI4LTMtMS0xLTcxNDc3NA_75e401dc-2e66-474a-87bc-c844ec0c0747">10,838</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI4LTQtMS0xLTcxNDc3NA_13803e8b-3017-4a5c-931f-a83c7431843e">1,148</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI5LTItMS0xLTcxNDc3NA_4a81ca65-1060-4b0a-9959-2853d766ba78">29</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI5LTMtMS0xLTcxNDc3NA_a58fc9e2-9c11-41bb-93f0-5cb39474997e">78</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzI5LTQtMS0xLTcxNDc3NA_e496bc5f-f81b-47d8-8e2b-d9c2025c2490">558</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMwLTItMS0xLTcxNDc3NA_bfadde9d-ea68-42db-abb7-8a93f2ae876c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMwLTMtMS0xLTcxNDc3NA_26abed16-5b73-43e9-8251-11e3b5b68bdc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMwLTQtMS0xLTcxNDc3NA_f647045b-f7d8-45ca-a02b-9a6aef1b8446">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMxLTItMS0xLTcxNDc3NA_18b81546-5adb-4539-9b76-59e87abb6ee8">127</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMxLTMtMS0xLTcxNDc3NA_fc6530f3-bf52-45b3-919d-3eaee54ddbd7">80</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMxLTQtMS0xLTcxNDc3NA_b60d6917-e2f8-4154-9ee6-e1e97fd7d6f6">307</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Subsidiaries and other business units</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMyLTItMS0xLTcxNDc3NA_4e0a2c82-c39d-48ed-b1b0-26ad36962a96">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMyLTMtMS0xLTcxNDc3NA_b2335f52-c231-4da8-9316-493ce311e558">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMyLTQtMS0xLTcxNDc3NA_05284345-d811-4165-8b74-57704240a325">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-current assets classified as held for sale and associated liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMzLTItMS0xLTcxNDc3NA_69a4b621-59ce-48b6-b7bd-f33250fcad4d">440</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMzLTMtMS0xLTcxNDc3NA_63abfd18-1dd5-4be3-8a1b-2a57c653dc0e">10,670</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzMzLTQtMS0xLTcxNDc3NA_d338d400-d731-4ba4-babb-5b8fcc395846">283</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other collections related to investing activities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ProceedsFromOtherCollectionsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM0LTItMS0xLTcxNDc3NA_37382164-c604-4a3e-9606-e5e03b410bb3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ProceedsFromOtherCollectionsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM0LTMtMS0xLTcxNDc3NA_c9c6f108-6206-4fea-8d34-7390bfe0dfc1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ProceedsFromOtherCollectionsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM0LTQtMS0xLTcxNDc3NA_79aee5d1-f496-409d-b061-d213020c5f4b">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">C) CASH FLOWS FROM FINANCING ACTIVITIES</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM1LTItMS0xLTcxNDc3NA_c4115099-e4ac-4871-805a-f9b0b7b497f5">7,563</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM1LTMtMS0xLTcxNDc3NA_61fc62da-038a-4986-bf49-2fc41be0f584">4,349</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM1LTQtMS0xLTcxNDc3NA_32c1cf1f-3d26-4136-adab-e6492830ac5e">2,069</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of which hyperinflation effect from financing activities</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2.2.19</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM4LTItMS0xLTEyODYyNzI_0c0a8c33-452e-40c5-9778-98f662b937ac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM4LTMtMS0xLTEyODYyNzI_5dbdf62c-c69c-4a6d-9e2e-2164b3be116b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM4LTQtMS0xLTEyODYyNzI_02a0def7-8352-4b32-b0d3-474b426e8151">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Payments</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InvestmentsInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM2LTItMS0xLTcxNDc3NA_3940ff74-a8cb-4f55-9432-873f91f01151">7,996</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InvestmentsInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM2LTMtMS0xLTcxNDc3NA_22940ca4-eadc-4c60-b6c7-0c737acecfd1">4,786</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InvestmentsInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM2LTQtMS0xLTcxNDc3NA_6afc7efe-008d-4452-a5bc-b09521cc7d72">5,316</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Dividend distribution (shareholders remuneration)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM3LTItMS0xLTcxNDc3NA_40f68e0c-22d9-44e8-a530-b6d5f96d3994">2,185</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM3LTMtMS0xLTcxNDc3NA_fb48a907-9710-4f04-8c86-6a4e0649b99d">926</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM3LTQtMS0xLTcxNDc3NA_4d0af8a5-e5b0-403c-9c8e-32d6752a5448">1,065</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM4LTItMS0xLTcxNDc3NA_877de03a-63a9-48f1-a2bb-9656baf098bc">2,258</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM4LTMtMS0xLTcxNDc3NA_00f3ab37-00e5-449f-88da-4f6e3445ccdb">2,301</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM4LTQtMS0xLTcxNDc3NA_165adb01-79fa-47d9-ac13-ffec513bf615">2,820</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Treasury share amortization</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:PaymentsForTreasuryStockAmortization" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM5LTItMS0xLTcxNDc3NA_188792a4-ecc8-485a-ad5e-de0999385abe">313</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:PaymentsForTreasuryStockAmortization" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM5LTMtMS0xLTcxNDc3NA_b9112313-dbbf-4698-8ca5-fc02055733a7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:PaymentsForTreasuryStockAmortization" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzM5LTQtMS0xLTcxNDc3NA_a40ee4e7-a3ed-4879-9da9-ed891bb09d7d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Treasury share acquisition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:PaymentsForTreasuryStockAcquisition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQwLTItMS0xLTcxNDc3NA_8c9bb72e-e05a-4a2d-82bd-a6ae7357d929">2,670</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:PaymentsForTreasuryStockAcquisition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQwLTMtMS0xLTcxNDc3NA_bae3a8d9-609f-4428-ad30-74ce33ab8861">1,022</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:PaymentsForTreasuryStockAcquisition" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQwLTQtMS0xLTcxNDc3NA_f6fba382-456f-44ac-a2c5-08f2304396ac">807</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other items relating to financing activities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQxLTItMS0xLTcxNDc3NA_4fe27e4a-4349-4219-9b06-cac749a1efa5">571</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQxLTMtMS0xLTcxNDc3NA_731de893-b43f-4b79-b822-92162e1fc92b">538</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQxLTQtMS0xLTcxNDc3NA_80814faa-9c4a-42e3-909d-5047ca3ed513">624</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Collections</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DisinvestmentsInFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQyLTItMS0xLTcxNDc3NA_15b8cdcf-f549-4843-8431-6ddc91c40ce0">434</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DisinvestmentsInFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQyLTMtMS0xLTcxNDc3NA_fc6809e9-9b7c-49a5-a658-cc5e73751f33">438</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DisinvestmentsInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQyLTQtMS0xLTcxNDc3NA_3599d14f-492d-4346-9c64-cb0f5398bb80">3,247</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQzLTItMS0xLTcxNDc3NA_cee4bb12-9d57-4a8b-a4d1-872db35cf71d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ2LTMtMS0xLTcxNDc3NA_38775bde-eecb-409f-bf43-d0b199104172">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherInflowsOfCashClassifiedAsFinancingActivities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ2LTQtMS0xLTcxNDc3NA_1e15f6d5-cfc0-4e9b-8628-2a41f68580c1">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">D) EFFECT OF EXCHANGE RATE CHANGES</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ3LTItMS0xLTcxNDc3NA_4d26d731-7aa4-4308-8a26-f9d74da6bc80">288</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ3LTMtMS0xLTcxNDc3NA_abc50869-e761-4c47-8aed-a99c4ec8c68c">1,864</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ3LTQtMS0xLTcxNDc3NA_7d452df1-97ea-474f-8fa5-d9932920c53a">4,658</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">E) NET INCREASE/DECREASE IN CASH OR CASH EQUIVALENTS (A+B+C+D)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ4LTItMS0xLTcxNDc3NA_d4d9f9f4-097b-4654-b61a-49c58a41a637">11,957</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ4LTMtMS0xLTcxNDc3NA_38b54ef3-a894-491b-8e0b-57292b5e554d">9,089</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ4LTQtMS0xLTcxNDc3NA_af13649c-508c-4eb4-aff3-2addb0d62d37">32,585</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">F) CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR </span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline"> (</span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#185;</span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">)</span></div></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ5LTItMS0xLTcxNDc3NA_a3a0b2aa-b758-4f0d-870b-7cd4217758cf">67,799</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ5LTMtMS0xLTcxNDc3NA_2cca46c5-fddc-4384-9ab3-a7ce8e7bdcb2">76,888</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzQ5LTQtMS0xLTcxNDc3NA_693e08e9-5b03-434b-8f06-be62f663f878">44,303</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">G) CASH AND CASH EQUIVALENTS AT END OF THE YEAR (E+F)</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzUwLTItMS0xLTcxNDc3NA_e8c235f9-9055-4a95-b686-50389dce1b4b">79,756</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzUwLTMtMS0xLTcxNDc3NA_44eda269-190d-4d61-840a-2db030f40863">67,799</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzUwLTQtMS0xLTcxNDc3NA_eba5560d-08ea-47a5-b18b-144bdbd9483d">76,888</ix:nonFraction></span></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">COMPONENTS OF CASH AND EQUIVALENT AT END OF THE YEAR (Millions of Euros)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU0LTItMS0xLTcxNDc3NA_221a797c-e0fa-4610-bfaa-c3a88af22cf4">6,533</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU0LTMtMS0xLTcxNDc3NA_dd4748bf-7dc3-440b-b07c-b89c115c3858">6,877</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU0LTQtMS0xLTcxNDc3NA_ec09b69d-c6d3-4b62-bd30-7496d2eae05e">6,447</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance of cash equivalent in central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU1LTItMS0xLTcxNDc3NA_394a477d-204a-41be-b199-bcdb5de96f4e">67,314</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU1LTMtMS0xLTcxNDc3NA_03a30e16-bdc5-4e7d-a619-f591ee06465b">55,004</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU1LTQtMS0xLTcxNDc3NA_b0204707-832e-49a0-9f52-778ce0b4323a">53,079</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU2LTItMS0xLTcxNDc3NA_4f031c97-a0fa-4f42-b430-d189f8b220a5">5,909</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU2LTMtMS0xLTcxNDc3NA_7cdca343-63c7-4913-8cbe-acd58aab36f9">5,918</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU2LTQtMS0xLTcxNDc3NA_1318fe2f-319d-42de-bb55-e6c90d67902b">5,994</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Less: Bank overdraft refundable on demand</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU3LTItMS0xLTcxNDc3NA_af11a8ce-1d67-4631-a5dc-774a4e951b4d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU3LTMtMS0xLTcxNDc3NA_58254966-d7a3-4674-8c36-fcfab747b8b9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU3LTQtMS0xLTcxNDc3NA_6cc4dafa-093f-4858-92d2-ebcc86a0b151">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">TOTAL CASH AND CASH EQUIVALENTS AT END OF THE YEAR</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU4LTItMS0xLTcxNDc3NA_a9c00bc2-b448-4fd2-825a-60ea73c34f08">79,756</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU4LTMtMS0xLTcxNDc3NA_14f93c97-06b2-4f49-a3c6-b078640d925a">67,799</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU4LTQtMS0xLTcxNDc3NA_521ef4bf-ef1b-4acb-bc42-f7e44131aec1">65,520</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">TOTAL CASH AND CASH EQUIVALENTS CLASSIFIED AS NON-CURRENT ASSETS AND DISPOSABLE GROUPS CLASSIFIED AS HELD FOR SALE IN THE UNITED STATES</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">21</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU5LTItMS0xLTcxNDc3NA_d19abb35-bcb5-4a2e-b9e3-d85025e93b91">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU5LTMtMS0xLTcxNDc3NA_7cb4456c-4aff-4b3b-9472-5f26a58b4bac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTEvZnJhZzo5YWM0MTEzYmRjOWM0OTZhYjgwNjhkNWNhOTBkZDUzYi90YWJsZTo5NDQ5NmIwYTQ4MWY0NTNjYWNhM2FhMzc4NDIwYTVjOS90YWJsZXJhbmdlOjk0NDk2YjBhNDgxZjQ1M2NhY2EzYWEzNzg0MjBhNWM5XzU5LTQtMS0xLTcxNDc3NA_5eff71e6-1e71-4e06-8cd5-8ba9438bc7ea">11,368</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2021 it includes the balance of the Group's businesses in the United States included within the scope of the USA Sale (see Notes 3 and 21).</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) With respect to 2020 only, it includes the balance of the companies in the United States included within the scope of the USA Sale (see Notes 3 and 21).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accompanying Notes are an integral part of the Consolidated Financial Statements.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-13</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_514"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Notes to the Consolidated Financial Statements </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_517"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">1.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81MTcvZnJhZzo1YTc0YTQwNzk1MjM0Mjg1ODkyZTdjNDJkN2FhMDc2YS90ZXh0cmVnaW9uOjVhNzRhNDA3OTUyMzQyODU4OTJlN2M0MmQ3YWEwNzZhXzU2NjI0ODQ4ODMwNDcy_a5129a18-111e-43ec-9da4-d7090084ee86" continuedAt="i67e1ba0b943140db9514b2e3f24345d6" escape="true">Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information </ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_520"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">1.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i67e1ba0b943140db9514b2e3f24345d6" continuedAt="i9c7b61e087c143c386786714cfe9ff72">Introduction</ix:continuation></span></div><ix:continuation id="i9c7b61e087c143c386786714cfe9ff72" continuedAt="i3e03af3a44db4ca1ba56cc7bf6fa3ecf"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter &#8220;the Bank&#8221;, &#8220;BBVA" or &#8220;BBVA, S.A.&#8221;) is a private-law entity subject to the laws and regulations governing banking entities operating in Spain. It carries out its activity through branches and agencies across the country and abroad.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Bylaws and other public information are available for inspection at the Bank&#8217;s registered address (Plaza San Nicol&#225;s, 4 Bilbao) as noted on its web site (www.bbva.com).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the activities it carries out directly, the Bank heads a group of subsidiaries, joint ventures and associates which perform a wide range of activities and which together with the Bank constitute the Banco Bilbao Vizcaya Argentaria Group (hereinafter the &#8220;Group&#8221; or the &#8220;BBVA Group&#8221;). In addition to its own separate financial statements, the Bank is required to prepare Consolidated Financial Statements comprising all consolidated subsidiaries of the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the BBVA Group had 203 consolidated entities and 43 entities accounted for using the equity method (see Notes 3 and 16 and Appendix I to V).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Consolidated Financial Statements of the BBVA Group for the year ended December 31, 2022, were authorized for issue on March 6, 2023.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_523"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">1.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i3e03af3a44db4ca1ba56cc7bf6fa3ecf" continuedAt="i2d542463099a4a3489e322bb7cda49ce">Basis for the presentation of the Consolidated Financial Statements</ix:continuation></span></div><ix:continuation id="i2d542463099a4a3489e322bb7cda49ce" continuedAt="ide561d970e7143ada615f4ff65b9eb1f"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s Consolidated Financial Statements are presented in compliance with IFRS-IASB (International Financial Reporting Standards as issued by the International Accounting Standards Board), as well as in accordance with the International Financial Reporting Standards endorsed by the European Union (&#8220;EU-IFRS&#8221;) applicable as of December 31, 2022, considering the Bank of Spain Circular 4/2017, as well as its successive amendments, and with any other legislation governing financial reporting which is applicable and with the format and mark-up requirements established in the EU Delegated Regulation 2019/815 of the European Commission.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s Consolidated Financial Statements for the year ended December 31, 2022 were prepared by the Group&#8217;s Directors (through the Board of Directors meeting held on February 9, 2023) by applying the principles of consolidation, accounting policies and valuation criteria described in Note 2, so that they present fairly the Group&#8217;s total consolidated equity and financial position as of December 31, 2022, together with the consolidated results of its operations and cash flows generated during the year ended December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These Consolidated Financial Statements were prepared on the basis of the accounting records kept by the Bank and each of the other entities in the Group. Moreover, they include the adjustments and reclassifications required to harmonize the accounting policies and valuation criteria used by the Group (see Note 2.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All effective accounting standards and valuation criteria with a significant effect on the Consolidated Financial Statements were applied in their preparation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts reflected in the Consolidated Financial Statements are presented in millions of euros, unless it is more appropriate to use smaller units. Some items that appear without a balance in these Consolidated Financial Statements are due to how the units are expressed. Also, in presenting amounts in millions of euros, the accounting balances have been rounded up or down. It is therefore possible that the totals appearing in some tables are not the exact arithmetical sum of their component figures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The percentage changes in amounts have been calculated using figures expressed in thousands of euros.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_529"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">1.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="ide561d970e7143ada615f4ff65b9eb1f" continuedAt="i6f26ec04951f452b8d0432b32d716602">Seasonal nature of income and expense</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i6f26ec04951f452b8d0432b32d716602" continuedAt="i75a5bee24f0749f6a75ea4530a4c2707">The nature of the most significant activities carried out by the BBVA Group&#8217;s entities is mainly related to typical activities carried out by financial institutions, and are not significantly affected by seasonal factors within the same year.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_535"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">1.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i75a5bee24f0749f6a75ea4530a4c2707" continuedAt="i5418bf9d009a4e2f933cf0f84ddd307d">Responsibility for the information and for the estimates made</ix:continuation></span></div><ix:continuation id="i5418bf9d009a4e2f933cf0f84ddd307d" continuedAt="i3cb9c54f5c0e4b9c8b6a62dfcf2a9ff4"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The information contained in the BBVA Group&#8217;s Consolidated Financial Statements is the responsibility of the Group&#8217;s Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Estimates were required to be made at times when preparing these Consolidated Financial Statements in order to calculate the recorded or disclosed amount of some assets, liabilities, income, expense and commitments. These estimates relate mainly to the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Loss allowances on certain financial assets (see Notes 7, 13, 14 and 16).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The assumptions used to quantify certain provisions (see Notes 23 and 24) and for the actuarial calculation of post-employment benefit liabilities and commitments (see Note 25).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The useful life and impairment losses of tangible and intangible assets (see Notes 17, 18, and 21).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-14</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i3cb9c54f5c0e4b9c8b6a62dfcf2a9ff4" continuedAt="ie1e3001992344da8a814f13f86af48ac"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The valuation of goodwill and price allocation of business combinations (see Note 18).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The fair value of certain unlisted financial assets and liabilities (see Notes 7, 8, 10, 11, 12, 13 and 15).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The recoverability of deferred tax assets (see Note 19).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The great macroeconomic and geopolitical uncertainty (see Note 7.1) has resulted in greater complexity in developing reliable estimates and applying judgment. Therefore, while these estimates have been made on the basis of the best available information on the matters analyzed, as of December 31, 2022, it is possible that events may take place in the future which could make it necessary to amend these estimations (upward or downward), which would be carried out prospectively, recognizing the effects of the change in estimation in the consolidated financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022 there have been no other significant changes in the estimates made as of December 31, 2021 and 2020, other than those indicated in these Consolidated Financial Statements.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_538"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">1.5</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="ie1e3001992344da8a814f13f86af48ac" continuedAt="i9bab2d2d1e3e480d9b71e68bbeff4a4f">BBVA Group&#8217;s Internal Control over Financial Reporting</ix:continuation></span></div><ix:continuation id="i9bab2d2d1e3e480d9b71e68bbeff4a4f" continuedAt="i2a406228aa6848c19dea90655ab592ab"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Group&#8217;s Consolidated Financial Statements are prepared under an Internal Control over Financial Reporting Model (ICFR). It provides reasonable assurance with respect to the reliability and the integrity of the consolidated financial statements. It is also aimed to support that the transactions are processed in accordance with the applicable laws and regulations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The ICFR model is compliant with the control framework established in 2013 by the Committee of Sponsoring Organizations of the Treadway Commission (hereinafter "COSO"). The COSO 2013 framework sets out five components that constitute the basis of the effectiveness and efficiency of the internal control systems:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The establishment of an appropriate control framework.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The assessment of the risks that could arise during the preparation of the financial information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The design of the necessary controls to mitigate the identified risks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The establishment of an appropriate system of information to detect and report system weaknesses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The monitoring over the controls to support correct performance and effectiveness over time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The ICFR model is a dynamic model that continuously evolves over time to reflect the reality of the BBVA Group&#8217;s businesses and processes, as well as the risks and controls designed to mitigate them. It is subject to a continuous evaluation by the internal financial control units located in the different entities of BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to guarantee the necessary independence of the aforementioned internal financial control units, they are integrated within the Regulation &amp; Internal Control area, whose head reports to the Board of Directors through its Committees, and defines and coordinates the Group's entire internal control model, based on two pillars:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A control system organized into three lines of defense that has been updated and strengthened, as described below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The first line of defense (1LoD) is located within the business and support units, which are responsible for identifying risks associated with their processes, as well as for implementing and executing the necessary controls to mitigate them. The Risk Control Assurer (RCA) role was created to reinforce the adequate risk management in each area&#8217;s processes </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The second line of defense (2LoD) comprises the specialized control units for each type of risk (Risk Control Specialists - RCS- among others Finance, Legal, IT, Third Party, Compliance or Processes). This second line defines the mitigation and control frameworks for their areas of responsibility across the entire organization and performs challenge to the control model (supervises the implementation and design of the controls and assesses their effectiveness). </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">The third line of defense (3LoD) is the Internal Audit unit, which conducts an independent review of the model, verifying the compliance and effectiveness of the control model, both the first and second line of defense functions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A committee structure in the Group, called Corporate Assurance, which enables the escalation of possible weaknesses to the Management as well as the management of issues related to internal control, both at a consolidated level and also in each of the countries where the Group operates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The RCA and RCS Finance (Internal Financial Control) units comply with a common and standard methodology established at the Group level, as set out in the following diagram:</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-15</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i2a406228aa6848c19dea90655ab592ab"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><img src="bbva-20221231_g2.jpg" alt="bbva-20221231_g2.jpg" style="height:258px;margin-bottom:5pt;vertical-align:text-bottom;width:649px"/></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The ICFR model is subject to evaluation on a regular basis by the Control areas (RCAs and RCSs), and annually by the Group&#8217;s Internal Audit Unit. It is also supervised by the Audit Committee of the Bank&#8217;s Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group also complies with the requirements of the Sarbanes-Oxley Act (hereafter, &#8220;SOX&#8221;) for the preparation of the consolidated Financial Statements, as a company with securities registered with the U.S. Securities and Exchange Commission (&#8220;SEC&#8221;). The main senior executives of the Group are involved in the design and implementation of the internal control model with the aim of making it effective and to support the quality and accuracy of the financial information.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_541"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">2.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NDEvZnJhZzo0YjYzOTJmMGJjZjY0MWUxYmE2YTFhYTM0MDRlNTk1NC90ZXh0cmVnaW9uOjRiNjM5MmYwYmNmNjQxZTFiYTZhMWFhMzQwNGU1OTU0Xzk_453e3541-e795-40aa-8c25-e47b74b00345" continuedAt="i0def1d5037624daa82f008ff1d01d253" escape="true">Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i0def1d5037624daa82f008ff1d01d253" continuedAt="ibb68b60443c74c349c851fa07d012c8d">The Glossary includes the definition of some of the financial and economic terms used in Note 2 and subsequent Notes of the Consolidated Financial Statements.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_544"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="ibb68b60443c74c349c851fa07d012c8d" continuedAt="i5cdfceb64c57456dbe1627a5c5b7f820">Principles of consolidation</ix:continuation></span></div><ix:continuation id="i5cdfceb64c57456dbe1627a5c5b7f820" continuedAt="ia59bfbccb21a4324ab8d7911c5b45a99"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In terms of its consolidation, in accordance with the criteria established by IFRS, the BBVA Group is made up of four types of entities: subsidiaries, joint ventures, associates and structured entities, defined as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Subsidiaries</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Subsidiaries are entities controlled by the Group (for definition of control, see Glossary). The financial statements of the subsidiaries are fully consolidated with those of the Bank. The share of non-controlling interests from subsidiaries in the Group&#8217;s consolidated total equity is presented under the heading &#8220;Minority interests (Non-controlling interests)&#8221; in the consolidated balance sheet. Their share in the profit or loss for the period or year is presented under the heading &#8220;Attributable to minority interest (non-controlling interests)&#8221; in the consolidated income statement (see Note 31).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Note 3 includes information related to the main subsidiaries in the Group as of December 31, 2022, 2021 and 2020. Appendix I includes other significant information on all entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Joint ventures</span></div><div style="padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Joint ventures are those entities for which there is a joint control arrangement with third parties other than the Group (for definitions of joint arrangement, joint control and joint venture, refer to Glossary). </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The investments in joint ventures are accounted for using the equity method (see Note 16). Appendix II shows the main figures for joint ventures accounted for using the equity method as of December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Associates</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Associates are entities in which the Group is able to exercise significant influence (for definition of significant influence, see Glossary). Significant influence is deemed to exist when the Group owns 20% or more of the voting rights of an investee directly or indirectly, unless it can be clearly demonstrated that this is not the case.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Certain entities in which the Group owns 20% or more of the voting rights are not included as Group associates, since the Group does not have the ability to exercise significant influence over these entities. Investments in these entities, which do not represent material amounts for the Group, are classified as &#8220;Financial assets at fair value through other comprehensive income&#8221; or &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In contrast, some investments in entities in which the Group holds less than 20% of the voting rights are accounted for as Group associates, as the Group is considered to have the ability to exercise significant influence over these entities. As of December 31, 2022, 2021 and 2020, these entities are not significant to the Group.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-16</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia59bfbccb21a4324ab8d7911c5b45a99" continuedAt="i2de5a97e35974adfb2bdf7835e69154d"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Appendix II shows the most significant information related to the associates (see Note 16), which are accounted for using the equity method.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Structured entities</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A structured entity is an entity that has been designed so that voting or similar rights are not the dominant factor in deciding who controls the entity, such as when the voting rights relate to administrative matters only and the relevant activities are directed by means of contractual arrangements (see Glossary).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In those cases where the Group sets up entities or has a holding in such entities, in order to allow its customers access to certain investments, to transfer risks or for other purposes, in accordance with internal criteria and procedures and with applicable regulations, the Group determines whether control over the entity in question actually exists and therefore whether it should be subject to consolidation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Such methods and procedures determine whether there is control by the Group, considering how the decisions are made about the relevant activities, assessing whether the Group has control over the relevant elements, exposure to variable returns from involvement with the investee and the ability to use control over the investee to affect the amount of the investor&#8217;s returns.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"> Structured entities subject to consolidation</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To determine if a structured entity is controlled by the Group, and therefore should be consolidated into the Group, the existing contractual rights (different from the voting rights) are analyzed. For this reason, an analysis of the structure and purpose of each investee is performed and, among others, the following factors will be considered:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Evidence of the current ability to manage the relevant activities of the investee according to the specific business needs (including any decisions that may arise only in particular circumstances).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Potential existence of a special relationship with the investee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Implicit or explicit Group commitments to support the investee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The ability to use the Group&#180;s power over the investee to affect the amount of the Group&#8217;s returns.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These types of entities include cases where the Group has a high exposure to variable returns and retains decision-making power over the investee, either directly or through an agent. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main structured entities of the Group are the asset securitization funds, to which the BBVA Group transfers loans and advances, and other vehicles, which allow the Group&#8217;s customers to gain access to certain investments or to allow for the transfer of risks or for other purposes (see Appendices I and V). The BBVA Group maintains the decision-making power over the relevant activities of these vehicles and financial support through securitized market standard contracts. The most common ones are: investment positions in equity note tranches, funding through subordinated debt, credit enhancements through derivative instruments or liquidity lines, management rights of defaulted securitized assets, &#8220;clean-up&#8221; call derivatives, and asset repurchase clauses by the grantor. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For these reasons, the loans and receivable portfolios related to the vast majority of the securitizations carried out by the Bank or Group subsidiaries are not derecognized in the books of said entity and the issuances of the related debt securities are recorded as liabilities within the Group&#8217;s consolidated balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For additional information on the accounting treatment for the transfer and derecognition of financial instruments, see Note 2.2.2. &#8220;Transfers and derecognition of financial assets and liabilities&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-consolidated structured entities</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group owns other vehicles also for the purpose of allowing customers access to certain investments, to transfer risks, and for other purposes, but without the Group having control of the vehicles, which are not consolidated in accordance with IFRS 10 &#8211; &#8220;Consolidated Financial Statements&#8221;. The balance of assets and liabilities of these vehicles is not material in relation to the Group&#8217;s Consolidated Financial Statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, there was no material financial support from the Bank or its subsidiaries to unconsolidated structured entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group does not consolidate any of the mutual funds it manages since the necessary control conditions are not met. Particularly, the BBVA Group does not act as arranger but as agent since it operates the mutual funds on behalf and for the benefit of investors or parties (arranger or arrangers) and, for this reason it does not control the mutual funds when exercising its authority for decision making.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The mutual funds managed by the Group are not considered structured entities (generally, retail funds without corporate identity over which investors have participations which gives them ownership of said managed equity). These funds are not dependent on a capital structure that could prevent them from carrying out activities without additional financial support, being in any case insufficient as far as the activities themselves are concerned. Additionally, the risk of the investment is absorbed by the fund participants, and the Group is only exposed when it becomes a participant, and as such, there is no other risk for the Group.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i2de5a97e35974adfb2bdf7835e69154d" continuedAt="i926c871a10c0456b86abae3449886527"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In all cases, the operating results of equity method investees acquired by the BBVA Group in a particular period only include the period from the date of acquisition to the financial statements date. Similarly, the results of entities disposed of during any year only include the period from the start of the year to the date of disposal.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The consolidated financial statements of subsidiaries, associates and joint ventures used in the preparation of the Consolidated Financial Statements of the Group have the same presentation date as the Consolidated Financial Statements. If financial statements at those same dates are not available, the most recent will be used, as long as these are not older than three months, and adjusted to take into account the most significant transactions. As of December 31, 2022, financial statements as of December 31 of all Group entities were utilized except in the case of the consolidated financial statements of five associates deemed non-significant for which financial statements as of November 30, 2022 were used.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_547"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i926c871a10c0456b86abae3449886527" continuedAt="id13cfe8ae9ee43929118229b1ed165ea"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForFinancialInstrumentsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NDcvZnJhZzozZmY4YTAwYzE2MzQ0MDkyYWE0MTc4MDFmOWQ5NDVhNS90ZXh0cmVnaW9uOjNmZjhhMDBjMTYzNDQwOTJhYTQxNzgwMWY5ZDk0NWE1XzQ1OQ_071d352c-3206-4fb4-a8e8-a0fac526ea21" continuedAt="ia5e38a492eb44aba9636885108cbe38e" escape="true">Accounting principles and policies and applied valuation methods</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="id13cfe8ae9ee43929118229b1ed165ea" continuedAt="i31a81447923e431e9bb3fa62902a473d"><ix:continuation id="ia5e38a492eb44aba9636885108cbe38e" continuedAt="ibaef1b87c2af482eaa532cece8c9e457"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accounting principles and policies and the valuation methods applied in the preparation of the consolidated financial statements may differ from those used, at the individual level, by some of the entities that are part of the BBVA Group; This is why, in the consolidation process, the necessary adjustments and reclassifications are made to standardize such principles and criteria among themselves and bring them into line with the IFRS-IASB.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In preparing the Consolidated Financial Statements, the following accounting principles and policies and assessment criteria have been applied:</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_550"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i31a81447923e431e9bb3fa62902a473d" continuedAt="i18d111b72afb4a32b896ffee04a77fc4"><ix:continuation id="ibaef1b87c2af482eaa532cece8c9e457" continuedAt="ib59179cdcf7d4fc89a807f8ee18102b8">Financial instruments</ix:continuation></ix:continuation></span></div><ix:continuation id="i18d111b72afb4a32b896ffee04a77fc4" continuedAt="i1b7207c06651438d949eb93d2cc3b6ad"><ix:continuation id="ib59179cdcf7d4fc89a807f8ee18102b8" continuedAt="i1981ca3348d443a6b43fc89ab068be4d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classification and measurement of financial assets and liabilities, the impairment of financial assets and hedge accounting. However, the Group has chosen to continue applying IAS 39 for accounting for hedges as permitted by IFRS 9.</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Classification and measurement of financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Classification of financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other comprehensive income, and measured at fair value through profit or loss.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The classification of financial instruments in the categories of amortized cost or fair value depends on the business model with which the entity manages the assets and the contractual characteristics of the cash flows, commonly known as the "solely payments of principal and interest" criterion (hereinafter the "SPPI").</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assessment of the business model should reflect the way the Group manages groups of financial assets and does not depend on the intention for an individual instrument. Thus, for each entity within the BBVA Group there are different business models for managing assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to determine the business model, the following aspects are taken into account:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The way in which the performance of the business model (and that of the assets which comprise such business model) is evaluated and reported to the entity's key personnel;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The risks and their management, which affect the performance of the business model;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The way in which business model managers are remunerated;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The frequency, amount and timing of sales in previous years, the reasons for such sales and expectations regarding future sales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this sense, the Group has established policies and has developed procedures in each geographical area to determine when the sales of financial assets classified in the amortized cost category are considered infrequent (even when significant), or are insignificant (even when frequent), to ensure compliance with such business model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, it is considered that any sales that may occur because the financial asset is close to maturity, due to an increase in credit risk, or to satisfy liquidity needs, are compatible with the amortized cost model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding the SPPI test, the analysis of the cash flows aims to determine whether the contractual cash flows of the assets correspond only to payments of principal and interest on the principal amount outstanding at the beginning of the transaction. Interest is understood here as the consideration for the time value of money; and for the credit risk associated with the principal amount outstanding during a specific period; and for financing and structure costs, plus a profit margin.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant judgments used by the Group in evaluating compliance with the conditions of the SPPI test are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Modified time value: in the event that a financial asset includes a periodic interest rate adjustment but the frequency of this adjustment does not coincide with the term of the reference interest rate (for example, the interest rate reset every six months to a one-year rate), the Group assesses, at the time of the initial recognition, this mismatch to determine whether the contractual cash flows (undiscounted) differ significantly or not from the cash flows (undiscounted) of a benchmark financial asset, for which there would be no change in the time value of money. The defined tolerance thresholds are 10% for the differences in each period and 5% for the analysis accumulated throughout the financial asset life.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-18</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i1b7207c06651438d949eb93d2cc3b6ad" continuedAt="i542fde6a053149b3889a92e8187159b9"><ix:continuation id="i1981ca3348d443a6b43fc89ab068be4d" continuedAt="i56a98d16040c490c94ac675114c37061"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Contractual clauses: The contractual clauses that can modify the calendar or the amount of the contractual cash flows are analyzed to verify if the contractual cash flows that would be generated during the life of the instrument due to the exercise of those clauses are only payments of principal and interest on the principal amount outstanding. To do this, the contractual cash flows that may be generated before and after the modification are analyzed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main criteria taken into account in the analysis are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Early termination clauses: generally a contractual clause that permits the debtor to prepay a debt instrument before maturity is consistent with SPPI when the prepayment amount substantially represents unpaid amounts of principal and interest on the principal amount outstanding (which may include reasonable additional compensation for the early termination of the contract).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Instruments with an interest rate linked to contingent events:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">An instrument whose interest rate is reset to a higher rate if the debtor misses a particular payment may meet the SPPI criterion because of the relationship between missed payments and an increase in credit risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">An instrument with contractual cash flows that are indexed to the debtor&#8217;s performance &#8211; e.g. net income or is adjusted based on a certain index or stock market value would not meet the SPPI criterion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt">Perpetual instruments: to the extent that they can be considered instruments with continuous (multiple) extension options, they meet the SPPI test if the contractual flows meet it. When the issuer can defer the payment of interest, if such payment would affect their solvency, they would meet the SPPI test if the deferred interest accrues additional interest, while if they do not, they would not meet the test.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-recourse financial instruments: In the case of debt instruments that are repaid primarily with the cash flows of specific assets or projects and the debtor has no legal responsibility, the underlying assets or cash flows are evaluated to determine whether the contractual cash flows of the instrument are consistent with payments of principal and interest on the principal amount outstanding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">If the contractual terms do not give rise to additional cash flows to payments of principal and interest on the amount of principal outstanding or limitations to these payments, the SPPI test is met.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">If the debt instrument effectively represents an investment in the underlying assets and its cash flows are inconsistent with principal and interest (because they depend on the performance of a business), the SPPI test is not met.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Contractually linked instruments: a look-through analysis is carried out in the case of transactions that are set through the issuance of multiple financial instruments forming tranches that create concentrations of credit risk in which there is an order of priority that specifies how the flows of cash generated by the underlying set of financial instruments are allocated to the different tranches. The debt tranches of the instrument will comply with the requirement that their cash flows represent only payment of principal and interest on the outstanding principal if:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">The contractual terms of the tranche being assessed for classification (without looking through to the underlying pool of financial instruments) give rise to cash flows that are solely payments of principal and interest on the principal amount outstanding, </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">The underlying pool of financial instruments comprises instruments with cash flow that are solely payments of principal and interest on the principal amount outstanding, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt">The exposure to credit risk in the underlying pool of financial instruments inherent in the tranche is equal to or lower than the exposure to credit risk of the underlying pool of financial instruments (for example, the credit rating of the tranche being assessed for classification is equal to or higher than the credit rating that would apply to a single tranche that funded the underlying pool of financial instruments).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In any event, the contractual conditions that, at the time of the initial recognition, have a minimal effect on cash flows or depend on the occurrence of exceptional and highly unlikely events do not prevent compliance with the conditions of the SPPI test.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on the above characteristics, financial assets will be classified and valued as described below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A debt instrument will be classified in the amortized cost portfolio if the two following conditions are fulfilled:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The financial asset is managed within a business model whose purpose is to maintain the financial assets to maturity, to receive contractual cash flows; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The contractual conditions of the financial asset give rise to cash flows that are only payments of principal and interest.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i542fde6a053149b3889a92e8187159b9" continuedAt="i5b3997b684244510a56b57439e3fcd8f"><ix:continuation id="i56a98d16040c490c94ac675114c37061" continuedAt="i61c326c6367642a1aaa9f8cd585f3633"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two following conditions are fulfilled:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A debt instrument will be classified at fair value with changes in profit and loss provided that the entity's business model for their management or the contractual characteristics of its cash flows do not require classification into one of the portfolios described above.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In general, equity instruments will be measured at fair value through profit or loss. However the Group may make an irrevocable election, at initial recognition to present subsequent changes in the fair value through &#8220;other comprehensive income&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will be reclassified. The change of the objective of the business model should occur before the date of the reclassification.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Measurement of financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All financial instruments are initially recognized at fair value, plus, those transaction costs which are directly attributable to the issue of the particular instrument, with the exception of those financial assets which are classified at fair value through profit or loss. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All changes in the value of financial assets due to the interest accrual and similar items are recorded in the headings "Interest and other income" or "Interest expense", of the consolidated income statement of the year in which the accrual occurred (see Note 37), except for trading derivatives that are not economic and accounting hedges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; and &#8220;Financial assets designated at fair value through profit or loss&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets are recorded under the heading &#8220;Financial assets held for trading&#8221; if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; are derived from a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but its contractual cash flows do not comply with the requirements of the SPPI test. Financial assets are classified in &#8220;Financial assets designated at fair value through profit or loss&#8221; only if it eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from recognizing or measuring such financial assets on different bases. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets recognized under these headings of the consolidated balance sheet are measured upon acquisition at fair value and changes in the fair value (gains or losses and foreign exchange differences) are recognized as their net value, when applicable, under the headings &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221; and &#8220;Gains (losses) on financial assets designated at fair value through profit or loss, net&#8221; in the consolidated income statement (see Note 41).</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8221;Financial assets at fair value through other comprehensive income&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Debt instruments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. This category of valuation implies the recognition of the information in the income statement as if it were an instrument valued at amortized cost, while the instrument is valued at fair value in the balance sheet. Thus, both interest income on these instruments and the exchange differences and impairment that arise in their case are recorded in the profit and loss account, while subsequent changes in its fair value (gains or losses) are recognized temporarily (by the amount net of tax effect) under the heading &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income&#8221; in the consolidated balance sheets (see Note 30).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts recognized under the headings &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income&#8221; continue to form part of the Group's consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until a loss allowance is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221; in the consolidated income statements (see Note 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The net loss allowances in &#8220;Financial assets at fair value through other comprehensive income&#8221; over the year are recognized under the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification - Financial assets at fair value through other comprehensive income&#8221; (see Note 47) in the consolidated income statement for the year. Interest income on these instruments is recorded in the consolidated profit and loss account (see Note 37). Changes in foreign exchange rates are recognized under the heading &#8220;Exchange differences, net" in the consolidated income statements (see Note 41).</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-20</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i5b3997b684244510a56b57439e3fcd8f" continuedAt="i720b8e35478a4316ba6aafc254a537c4"><ix:continuation id="i61c326c6367642a1aaa9f8cd585f3633" continuedAt="ic56d3cc8e0244ec1a08d6cf5a4b6f03f"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Equity instruments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the time of initial recognition of specific investments in equity instruments, the BBVA Group may make the irrevocable decision to present subsequent changes in fair value in other comprehensive income. Subsequent changes in this valuation will be recognized in "Accumulated other comprehensive income - Items that will not be reclassified to profit or loss - Fair value changes of equity instruments measured at fair value through other comprehensive income" (see Note 30). Dividends received from these investments are recorded in the heading "Dividend income" in the consolidated income statement (see Note 38). These instruments are not subject to the impairment model of IFRS 9.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial assets at amortized cost&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets under this category are subsequently measured at amortized cost, after initial recognition, using the "effective interest rate" method. In the case of floating rate instruments, including inflation-linked bonds, the periodic updates of cash flows to reflect the movement of interest rates and inflation impact the effective interest rate prospectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Net loss allowances of assets recorded under these headings arising in each year, calculated using the IFRS 9 model, are recognized under the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification &#8211; Financial assets measured at amortized cost&#8221; in the consolidated income statement for such year (see Note 47).</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Classification and measurement of financial liabilities  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Classification of financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial liabilities are classified in the following categories:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial liabilities at amortized cost;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial liabilities that are held for trading, including derivatives, are financial instruments which are recorded in this category when the Group&#8217;s objective is to generate gains by buying and selling these financial instruments or generate short-term results;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial liabilities that are designated at fair value through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably, on the initial moment of recognition, a financial liability at fair value through profit or loss provided that doing so results in the elimination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in accordance with a documented risk management or investment strategy.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Measurement of financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial liabilities are initially recorded at fair value, less transaction costs that are directly attributable to the issuance of instruments, except for financial instruments that are classified at fair value through profit or loss.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Variations in the value of financial liabilities due to the interest accrual and similar items are recorded in the headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, of the consolidated income statement for the year in which the accrual occurred (see Note 37), except for trading derivatives that are not economic and accounting hedges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial liabilities.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair value through profit or loss&#8220;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The subsequent changes in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the headings &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221; and &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221; in the consolidated income statements (see Note 41). The changes in the own credit risk of the liabilities designated under the fair value option is presented in &#8220;Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk&#8221;, unless this treatment brings about or increases an asymmetry in the income statement. Changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &#8220;Exchange differences, net&#8221; in the consolidated income statements (Note 41).</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial liabilities at amortized cost&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The liabilities under this category are subsequently measured at amortized cost, using the &#8220;effective interest rate&#8221; method.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Hybrid financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When a financial liability contains an embedded derivative, the Group analyzes whether the economic characteristics and risks of the embedded derivative and the host instrument are closely related.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i720b8e35478a4316ba6aafc254a537c4" continuedAt="idd54bbfa22f141eb875c03dbd65d2ca6"><ix:continuation id="ic56d3cc8e0244ec1a08d6cf5a4b6f03f" continuedAt="ic566758fd47b4ebca10f6c6680d89a07"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If the characteristics and risks of the host and the derivative are closely related, the instrument as a whole will be classified and measured according to the general rules for financial liabilities. If, on the other hand, the economic characteristics and risks of the embedded derivative are not closely related to the economic characteristics and risks of the host, its terms meet the definition of a derivative and the hybrid contract is not measured at fair value with changes in fair value recognized in profit or loss, the embedded derivative shall be separated from the host and accounted for as a derivative separately at fair value with changes in profit and loss and the host instrument classified and measured according to its nature.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NTAvZnJhZzo1MDI4MmRhZWJkOWE0ZDkyYWMyYWY0YTdmNmQ4MzgyMy90ZXh0cmVnaW9uOjUwMjgyZGFlYmQ5YTRkOTJhYzJhZjRhN2Y2ZDgzODIzXzQ0OQ_e052d98c-d565-44fb-8c0e-0e0af62b20c7" escape="true"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8220;Derivatives-Hedge Accounting&#8221; and &#8220;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group uses financial derivatives as a tool for managing financial risks, mainly interest rates and exchange rates (See Note 7).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When these transactions meet certain requirements, they are considered "hedging instruments".</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Hedging financial derivatives are used to hedge changes in the value of assets and liabilities, changes in cash flows, or the net investment in a foreign business. Fair value hedging is established for fixed rate financial instruments, and cash flow hedges are used for variable rate financial instruments. The Group also carries out exchange risk hedging operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Hedging accounting follows IAS 39, and the effectiveness of hedges is evaluated both retrospectively and prospectively, so that they remain within a range between 80% and 125%. The ineffectiveness of hedges, defined as the difference between the change in value of the hedging instrument and the hedged item in each period, attributable to the hedged risk, is recognized in the income statement. This includes both the amount of the ineffectiveness of the hedges established to manage interest rate risk in the period, as well as the ineffectiveness of the hedges established to manage exchange risk, which is mainly attributable to the temporary value of hedges established to manage exchange rate risk (see Notes 15 and 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedged risk are recognized under the heading &#8220;Gains (losses) from hedge accounting, net&#8221; in the consolidated income statement, with a corresponding offset under the headings where hedging items ("Hedging derivatives") and the hedged items are recognized, as applicable, except for interest-rate risks hedges (which are almost all of the hedges used by the Group), for which the valuation changes are recognized under the headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, as appropriate, in the consolidated income statement (see Note 37).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gains or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income statement, with the corresponding offset on the headings &#8220;Derivatives-Hedge Accounting&#8221; and the gains or losses that arise from the change in the fair value of the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both cases under the heading &#8220;Gains (losses) from hedge accounting, net&#8221;, using, as a corresponding offset, the headings "Fair value changes of the hedged items in portfolio hedges of interest rate risk" in the consolidated balance sheets, as applicable).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion is recognized temporarily under the heading &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges (effective portion)&#8221; in the consolidated balance sheets, with a corresponding offset under the heading &#8220;Hedging derivatives&#8221; of the assets or liabilities of the consolidated balance sheets as applicable. These differences are recognized in the consolidated income statement at the time the gains or losses of the hedged item are recorded in the income statement, at the time the forecast transaction is executed or at the maturity date of the hedged item. Almost all of the cash flow hedges carried out by the Group relate to interest rate risk and inflation risk of financial instruments, so their valuation changes are recognized under the heading "Interest and other income" or "Interest expense&#8221; in the consolidated income statement (see Note 37).  </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The changes in value of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &#8220;Gains (losses) from hedge accounting, net&#8221; in the consolidated income statement (see Note 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In hedges of net investments in foreign businesses, the valuation changes attributable to the effective portions of hedging items are recognized temporarily under the heading "Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss &#8211; Hedging of net investments in foreign operations (effective portion)" in the consolidated balance sheets with a corresponding offset under the heading &#8220;Hedging derivatives&#8221; of the assets or liabilities of the consolidated balance sheets, as applicable. These valuation changes will be recognized in the consolidated income statement when the investment in a foreign business is disposed of or derecognized (see Note 41).</span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LossAllowancesOnFinancialAssetsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NTAvZnJhZzo1MDI4MmRhZWJkOWE0ZDkyYWMyYWY0YTdmNmQ4MzgyMy90ZXh0cmVnaW9uOjUwMjgyZGFlYmQ5YTRkOTJhYzJhZjRhN2Y2ZDgzODIzXzQ1MA_4faf0544-e47a-47e2-b096-3d2b1ae4d1de" continuedAt="ifa280cd90ea54f08a01f0447fe044685" escape="true"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Loss allowances on financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The &#8220;expected losses&#8221; impairment model is applied to financial assets valued at amortized cost, debt instruments valued at fair value with changes in accumulated other comprehensive income, financial guarantee contracts and other commitments. All financial instruments valued at fair value through profit or loss are excluded from the impairment model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition and which establish the calculation of the credit risk allowance. </span></div></ix:nonNumeric></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-22</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="idd54bbfa22f141eb875c03dbd65d2ca6" continuedAt="i010569ef0d724084991137dccd49bef8"><ix:continuation id="ic566758fd47b4ebca10f6c6680d89a07" continuedAt="i12d1242b8f2a41d7932274db9435db79"><ix:continuation id="ifa280cd90ea54f08a01f0447fe044685" continuedAt="i0360daf8bc9c463d9d01a8617d69253c"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:13.56pt">Stage 1&#8211; without significant increase in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to the expected credit loss that arises from all possible default events within 12 months following the presentation date of the financial statements (12 month expected credit losses).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:13.56pt">Stage 2&#8211; significant increases in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the credit risk of a financial asset has increased significantly since the initial recognition, the loss allowances of that financial instrument is calculated as the expected credit loss during the entire life of the asset. That is, they are the expected credit losses that result from all possible default events during the expected life of the financial instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:13.56pt">Stage 3 &#8211; Impaired</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When there is objective evidence that the instrument is credit-impaired, the financial asset is transferred to this category in which the provision for losses of that financial instrument is calculated, as in stage 2, as the expected credit loss during the entire life of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the recovery of any recognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt, the debt is forgiven, or other reasons.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has applied the following definitions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Credit-impaired asset</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">An asset is credit-impaired (stage 3) if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Historically, the definition of credit-impaired asset under IFRS 9 has been substantially aligned with the definition of default used by the Group for internal credit risk management, which is also the definition used for regulatory purposes. In 2021 the Group updated its definition of default to conform to that set forth in the European Banking Authority (hereinafter EBA) Guidelines, in compliance with article 178 of Regulation (EU) No 575/2013 (CRR). The Group consequently updated the definition of credit-impaired asset (stage 3), considering it a change in accounting estimates, re-establishing the consistency with the definition of default and guaranteeing the integration of both definitions in credit risk management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The determination of an asset as impaired and its classification in stage 3 is based exclusively on the risk of default, without considering the effects of credit risk mitigating measures such as guarantees and collaterals. Specifically, the following financial assets are classified in stage 3:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Impaired assets for objective reasons or delinquency: when there are unpaid amounts of principal or interest for more than 90 days.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to IFRS 9, the 90-days past due default is a presumption that can be rebutted in those cases where the entity considers, based on reasonable and supportable information, that it is appropriate to use a longer term. As of December 31, 2022, the Group has not used terms exceeding 90 days past due.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:14.6pt">Impaired assets for subjective reasons (other than delinquency): when circumstances are identified that show, even in the absence of defaults, that it is not probable that the debtor will fully comply with its financial obligations. For this purpose, the following indicators are considered, among others:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"> Significant financial difficulties of the issuer or the borrower.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Granting by the lender or lenders to the borrower, for economic or contractual reasons related to the latter's financial difficulties, of concessions or advantages that they would not have otherwise granted.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Breach of contractual clauses, such as events of default or default.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Increasing probability that the borrower will go into bankruptcy or some other situation of financial reorganization.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Disappearance of an active market for the financial asset due to financial difficulties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Others that may affect the committed cash flows such as the loss of the debtor's license or that it has committed fraud.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Generalized delay in payments. In any case, this circumstance exists when, during a continuous period of 90 days prior to the reporting date, a material amount has remained unpaid.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Sales of credit exposures of a client with a significant economic loss will imply that the rest of its operations are considered impaired.</span></div></ix:continuation></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-23</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i010569ef0d724084991137dccd49bef8" continuedAt="ie6e612737e8b42828ba7193ff1946ee1"><ix:continuation id="i12d1242b8f2a41d7932274db9435db79" continuedAt="ia6553e7f9541467597bef3393b2efe71"><ix:continuation id="i0360daf8bc9c463d9d01a8617d69253c"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Relating to the granting of concessions due to financial difficulties, it is considered that there is an indicator of unlikeliness to pay, and therefore the client must be considered impaired, when the refinancing or restructuring measures may result in a diminished financial obligation caused by a forgiveness or material deferral of principal, interest or fees. Specifically, unless proven otherwise, transactions that meet any of the following criteria will be reclassified to the category of impaired assets:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Irregular repayment schedule.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Contractual clauses that delay the repayment of the loan through regular payments. Among others, grace periods of more than two years for the amortization of the principal will be considered clauses with these characteristics.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt">Amounts of principal or interest written off from the balance sheet as its recovery is considered remote.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In any case, a restructuring will be considered impaired when the reduction in the net present value of the financial obligation is greater than 1%, in accordance with the management criteria introduced during 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Credit risk management for wholesale counterparties is carried out at the customer (or group) level. For this reason, the classification of any of a client's material exposures as impaired, whether due to more than 90 days of default or due to any of the subjective criteria, implies the classification as impaired of all the client's exposures. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Regarding retail clients, which are managed at the individual loan level, the scoring systems review their score, among other factors, in the event of a breach in any of their operations or incurring generalized delays in payments, which also triggers the necessary recovery actions. Among them are the refinancing measures that, where appropriate, may lead to all the client's operations being considered impaired. Furthermore, given the granularity of the retail portfolios, the differential behavior of these clients in relation to their products and collateral provided, as well as the time necessary to find the best solution, the Group has established as an indicator that when a transaction of a retail client is in default in excess of 90 days or shows a general delay in payments and this represents more than 20% of the client's total balance, all its transactions are considered impaired.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When operations by entities related to the client fall into stage 3, including both entities of the same group and those with which there is a relationship of economic or financial dependence, the transactions of the holder will also be classified as stage 3 if after the analysis it is concluded that there are reasonable doubts about the full payment of the loans.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The stage 3 classification will be maintained for a cure period of 3 months from the disappearance of all indicators of impairment during which the client must demonstrate good payment behavior and an improvement in their credit quality in order to corroborate the disappearance of the causes that motivated the classification of the debt as impaired. In the case of refinancing and restructuring, the cure period is one year (see Note 7.2.7 for more details).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These criteria are aligned in all the geographical areas of the Group, maintaining only minor differences to facilitate the integration of management at the local level.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Significant increase in credit risk </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The objective of the impairment requirements is to recognize lifetime expected credit losses for financial instruments for which there have been significant increases in credit risk since initial recognition considering all reasonable and supportable information, including that which is forward-looking. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The model developed by the Group for assessing the significant increase in credit risk has a two-prong approach that is applied globally (for more detail on the methodology used, see Note 7.2.1):</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected probability of default over the life of the transaction with the original adjusted expected probability of default, so that both values are comparable in terms of expected default probability for their residual life. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Qualitative criterion: most indicators for detecting significant risk increase are included in the Group's systems through rating and scoring systems or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group uses additional qualitative criteria to identify significant increase in credit risk and thus, to include circumstances that are not reflected in the rating/score systems or macroeconomic scenarios used. Such qualitative criteria are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can be rebutted in those cases in which the entity considers, based on reasonable and documented information, that such non-payment does not represent a significant increase in risk. As of December 31, 2022, the Group has not considered periods higher than 30 days.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Watch List: They are subject to special watch by the Risk units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Refinance or restructuring that does not show evidence of impairment, or that, having been previously identified, the existence of significant increase in credit risk may still exist.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Although the standard introduces a series of operational simplifications, also known as practical solutions, for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related to certain government institutions and bodies, the standard allows for considering that their credit risk has not increased significantly because they have a low credit risk at the presentation date. This possibility is limited to those financial instruments that are classified as having high credit quality and high liquidity to comply with the liquidity coverage ratio (hereinafter, "LCR"). This does not prevent these assets from being assigned the credit risk coverage that corresponds to their classification as stage 1 based on their credit rating and macroeconomic expectations.</span></div></ix:continuation></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-24</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ie6e612737e8b42828ba7193ff1946ee1" continuedAt="ic9db3d8bc0544a66a9931af5ad10acc2"><ix:continuation id="ia6553e7f9541467597bef3393b2efe71" continuedAt="ifbc6eaf978c741cbae3a4c846ab74c0e"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Method for calculating Expected Credit Loss (ECL)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Method for calculating expected loss</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The measurement of expected losses must reflect:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A considered and unbiased amount, determined by evaluating a range of possible results;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The time value of money, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Expected losses are measured both individually and collectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The individualized estimate of credit losses results from calculating the difference between the expected cash flows discounted at the effective interest rate of the transaction and the carrying amount of the instrument (see Note 7.2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the collective measurement of expected losses the instruments are classified into groups of assets based on their risk characteristics. Exposure within each group is grouped according to credit risk common characteristics, which indicate the payment capacity of the borrower according to the contractual conditions. These risk characteristics have to be relevant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors (see Note 7.2.1):</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Type of instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Rating or scoring tools.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Credit risk scoring or rating.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Type of collateral.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Amount of time at default for stage 3.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Qualitative criteria which can have a significant increase in risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Collateral value if it has an impact on the probability of a default event.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The estimated losses are derived from the following parameters:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">PD: estimate of the probability of default in each period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the closing date of the financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">LGD: estimate of the loss in case of default, calculated as the difference between the contractual cash flows and receivables, including guarantees. For these purposes, the probability of executing the guarantee, the moment until its ownership and subsequent realization are achieved, the expected cash flows and the acquisition and sale costs, are considered in the estimation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">CCF: cash conversion factor is the estimate made on off-balance sheet contractual arrangements to determine the exposure subject to credit risk in the event of a default.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the BBVA Group, the calculated expected credit losses are based on internal models developed for all portfolios within the IFRS 9 scope, except for the cases that are subject to individual analysis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The calculation and recognition of expected credit losses includes exposures with governments and credit institutions, for which, despite having a reduced number of defaults in the information databases, internal models have been developed, considering, as sources of information, the data provided by external rating agencies or other observed in the market, such as changes in bond yields, prices of credit default swaps or any other public information on them.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Use of present, past and future information</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure expected loss, which must be carried out on a weighted probability basis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The standard does not require identification of all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very low. To achieve this, the Group generally evaluates the linear relationship between its estimated loss parameters (PD, LGD and EAD) with the historical and future forecasts of the macroeconomic scenarios. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, when there is no linear relation between the different future economic scenarios and their associated expected losses, more than one future economic scenario must be used for the measurement.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic9db3d8bc0544a66a9931af5ad10acc2" continuedAt="i88a0793bcafc4a8f8137bebe38f3145f"><ix:continuation id="ifbc6eaf978c741cbae3a4c846ab74c0e"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The approach taken by the Group consists of using a methodology based on the use of three scenarios. The first is the most probable scenario (base scenario) that is consistent with that used in the Group's internal management processes, and two additional ones, one more positive and the other more negative. The combined outcome of these three scenarios is calculated considering the weight given to each of them. The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are the Gross Domestic Product (GDP), the real estate price index, interest rates and the unemployment rate. The main goal of the Group's approach is seeking the greatest predictive capacity with respect to the first two variables (see Note 7.2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Derecognition of the balance due to impairment on financial assets (write-offs)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Debt instruments are classified as written-off once, after being analyzed, it is reasonably considered that their recovery is remote due to the notorious and irrecoverable deterioration of the solvency of the holder of the operation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on their procedures and particularities, the Group entities recognize operations as a write-off where, following their analysis, there are no reasonable expectations of recovery of the debt, taking into account aspects such as: the time elapsed since the classification as doubtful operations due to delinquency, the coverage levels achieved, type of portfolio or product, bankruptcy status of the holder and the existence of guarantees, their valuation and execution capacity. In those cases where the guarantee is significant, there is the possibility of making partial write-offs on the non-guaranteed portion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The classification of an operation as written-off, entails the recognition of losses for the carrying amount of the related debt and results in a derecognition in the same amount from the balance sheet (see Note 7.2.5).</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_553"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.25pt;text-align:justify;text-indent:-18pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">2.2.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:12.75pt"><ix:continuation id="i88a0793bcafc4a8f8137bebe38f3145f" continuedAt="ib533fc7637e14526b54383da52155445"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NTMvZnJhZzowODdiYjIwOWNlYjE0NzgzYjdhYTY5MTNkMGNjM2EyYi90ZXh0cmVnaW9uOjA4N2JiMjA5Y2ViMTQ3ODNiN2FhNjkxM2QwY2MzYTJiXzM3_3357a5e2-390d-4d2f-bf0f-8b29bc5a5a60" continuedAt="i72357f6ed170439da210114c5a7b043d" escape="true">Transfers and derecognition of financial assets and liabilities </ix:nonNumeric></ix:continuation></span></div><ix:continuation id="ib533fc7637e14526b54383da52155445" continuedAt="i427de7629abb441085107e273d16de70"><ix:continuation id="i72357f6ed170439da210114c5a7b043d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accounting treatment of transfers of financial assets is determined by the form in which risks and benefits associated with the financial assets involved are transferred to third parties. Financial assets are only derecognized from the consolidated balance sheet when the cash flows that they generate are extinguished, when their implicit risks and benefits have been substantially transferred to third parties or when the control of financial asset is transferred even in case of no physical transfer or substantial retention of such assets. In the latter case, the financial asset transferred is derecognized from the consolidated balance sheet, and any right or obligation retained or created as a result of the transfer is simultaneously recognized.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Similarly, financial liabilities are derecognized from the consolidated balance sheet only if their obligations are extinguished or acquired (with a view to subsequent cancellation or renewed placement).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group is considered to have transferred substantially all the risks and benefits if such risks and benefits account for the majority of the risks and benefits involved in ownership of the transferred financial assets. If substantially all the risks and benefits associated with the transferred financial asset are retained:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The transferred financial asset is not derecognized from the consolidated balance sheet and continues to be measured using the same criteria as those used before the transfer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A financial liability is recognized at the amount equal to the amount received, which is subsequently measured at amortized cost or fair value with changes in the income statement, whichever the case.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Both the income generated on the transferred (but not derecognized) financial asset and the expense of the new financial liability continue to be recognized.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Treatment of securitizations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The securitizations funds to which the Group entities transfer their credit portfolios are consolidated entities of the Group. For more information, refer to Note 2.1 &#8220;Principles of consolidation&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group considers that the risks and benefits of the securitizations are substantially retained if the subordinated bonds are held and/ or if subordination funding has been granted to those securitization funds, which means that the credit loss risk of the securitized assets will be assumed. Consequently, the Group is not derecognizing those transferred loan portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Synthetic securitizations are transactions where risk is transferred through derivatives or financial guarantees and in which the exposure of these securitizations remains in the balance sheet of the Group. The Group has established the synthetic securitizations through received financial guarantees. As for the commissions paid, they are accrued during the term of the financial guarantee.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_556"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i427de7629abb441085107e273d16de70" continuedAt="i4df2d19fe70d4b0b89349b6f8e0bc223"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForFinancialGuaranteesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NTYvZnJhZzo2ZTM3NDY3YWM2OTc0OTZjYjI0YjNkYWE4ODg3NzY2ZC90ZXh0cmVnaW9uOjZlMzc0NjdhYzY5NzQ5NmNiMjRiM2RhYTg4ODc3NjZkXzI1_9df0d792-40a8-4d2a-974d-473f42fde19e" continuedAt="i31d8550fdce84282a1420b2a4d79ed35" escape="true">Financial guarantees</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i4df2d19fe70d4b0b89349b6f8e0bc223" continuedAt="i06103f96a7604718945d1bde9aec976f"><ix:continuation id="i31d8550fdce84282a1420b2a4d79ed35" continuedAt="if543884ef3f14e70abd02e027a58b883"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial guarantees are considered to be those contracts that require their issuer to make specific payments to reimburse the holder of the financial guarantee for a loss incurred when a specific borrower breaches its payment obligations on the terms &#8211; whether original or subsequently modified &#8211; of a debt instrument, irrespective of the legal form it may take. Financial guarantees may take the form of a deposit, bank guarantee, insurance contract or credit derivative, among others.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In their initial recognition, financial guarantees are recognized as liabilities in the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and the Group simultaneously recognizes a corresponding asset in the consolidated balance sheet for the amount of the fees and commissions received at the inception of the transactions and the amounts receivable at the present value of the fees, commissions and interest outstanding.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-26</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i06103f96a7604718945d1bde9aec976f" continuedAt="ibf478adbc23a472da7e6cfec5be0142c"><ix:continuation id="if543884ef3f14e70abd02e027a58b883"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial guarantees, irrespective of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required for them. The credit risk is determined by application of criteria similar to those established for quantifying loss allowances on debt instruments measured at amortized cost (see Note 2.2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The provisions recognized for financial guarantees are recognized under the heading &#8220;Provisions - Provisions for contingent risks and commitments&#8221; on the liability side in the consolidated balance sheets (see Note 24). These provisions are recognized and reversed with a charge or credit, respectively to &#8220;Provisions or reversal of provision&#8221; in the consolidated income statements (see Note 46).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Income from financial guarantees is recorded under the heading &#8220;Fee and commission income&#8221; in the consolidated income statement and is calculated by applying the rate established in the related contract to the nominal amount of the guarantee (see Note 40).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Synthetic securitizations made by the Group to date meet the requirements of the accounting regulations for accounting as guarantees.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_559"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="ibf478adbc23a472da7e6cfec5be0142c" continuedAt="i610c56c00145404aae513ce794f5ce14"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NTkvZnJhZzphMDY2NDI0YTMzZjk0YzkwYThjZjg1MTA3YzFmZWU3MC90ZXh0cmVnaW9uOmEwNjY0MjRhMzNmOTRjOTBhOGNmODUxMDdjMWZlZTcwXzMx_f3859c11-61b1-49a6-b019-69893e9a7af8" continuedAt="idfc71c36869340bf8ce4fb0b4b37ba51" escape="true">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale    </ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i610c56c00145404aae513ce794f5ce14" continuedAt="i9cea173be8a64e77b0667efdff685096"><ix:continuation id="idfc71c36869340bf8ce4fb0b4b37ba51"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in the consolidated balance sheet includes the carrying amount of individual items or items integrated in a group ("disposal group") or that form part of a significant business line or geographical area that is intended to be disposed of (&#8220;discontinued operation&#8221;) whose sale is highly probable to take place under the current conditions within a period of one year from the date to which the financial statements refer. Additionally, assets that were expected to be disposed of within a year but which disposal is delayed due to events and circumstances beyond the control of the Group can be classified as held for sale (see Note 21).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Symmetrically, the heading &#8220;Liabilities included in disposal groups classified as held for sale&#8221; in the consolidated balance sheet reflects the balances payable arising from disposal groups and discontinued operations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With respect to the subsidiaries of the BBVA Group, the heading "Non-current assets and disposal groups classified as held for sale" includes the assets received by the subsidiaries for the satisfaction, in whole or in part, of the payment obligations of their debtors (foreclosed or received in payment of debt or recoveries from financial leasing transactions, unless the Group has decided to make continued use of those assets). The BBVA Group has specific units focused on real estate management and sale of these types of assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Non-current assets and disposal groups classified as held for sale are measured, at the acquisition date and at any later date deemed necessary, at either their carrying amount or the fair value of the property (less costs to sell), whichever is lower. An impairment or reversal of impairment for the difference is recognized if applicable. When the amount of the sale less estimated costs of sale is higher than the carrying value, the gain is not recognized until the moment of disposal and derecognition from the balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Non-current assets and disposal groups classified as held for sale are not depreciated while included under the heading &#8220;Non-current assets and disposal groups classified as held for sale&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the case of real estate assets foreclosed or received in payment of debts, they are initially recognized at the lower of: the restated carrying amount of the financial asset and the fair value at the time of the foreclosure or receipt of the asset less estimated sales costs. The carrying amount of the financial asset is updated at the time of the foreclosure, treating the real property received as a secured collateral and taking into account the credit risk coverage that would correspond to it according to its classification prior to the delivery. For these purposes, the collateral will be valued at its current fair value (less sale costs) at the time of foreclosure. This carrying amount will be compared with the previous carrying amount and the difference will be recognized as a provision increase, if applicable. On the other hand, the fair value of the foreclosed assets is based mainly on appraisals or valuations carried out by independent experts on an annual basis or more frequently if there are indications of impairment by appraisal, evaluating the need to apply a discount on the asset derived from the specific conditions of the asset or the market situation for these assets and in any case, deducting the company&#8217;s estimated sale costs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Gains and losses generated on the disposal of assets and liabilities classified as non-current held for sale, and liabilities included in disposal groups classified as held for sale as well as impairment losses and, where pertinent, the related recoveries, are recognized in &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; in the consolidated income statement (see Note 50). The remaining income and expense items associated with these assets and liabilities are classified in the consolidated income statement according to their nature.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Income and expense for discontinued operations, whatever their nature, generated during the year, even if they have occurred before their classification as discontinued operations, are presented net of the tax effect as a single amount under the heading &#8220;Profit (loss) after tax from discontinued operations&#8221; in the consolidated income statement (see Notes 3 and 21). This heading includes the earnings from their sale or other disposal (net of tax effects).</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_562"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.5</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i9cea173be8a64e77b0667efdff685096" continuedAt="ib1959e8466c14c31a8fd2e1fae0259f5"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjIvZnJhZzpkODBmMDY2ZGYzZGQ0MWY0OTlmMjZmYzY1MDJjYTQxMy90ZXh0cmVnaW9uOmQ4MGYwNjZkZjNkZDQxZjQ5OWYyNmZjNjUwMmNhNDEzXzIy_39796d90-8c16-4c8e-9445-b9b20ed623aa" continuedAt="i9a222540a38840bd8663d0b02dafc317" escape="true">Tangible Assets</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="ib1959e8466c14c31a8fd2e1fae0259f5" continuedAt="i8a7dbad8855a45959946977a5d5d5397"><ix:continuation id="i9a222540a38840bd8663d0b02dafc317" continuedAt="if4855f26e29b4b48b9e38dc35b50c331"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Property, plant and equipment for own use</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This heading includes the assets under ownership or acquired under lease terms (right to use), intended for future or current use by the BBVA Group and that it expects to hold for more than one year. It also includes tangible assets received by the consolidated entities in full or partial settlement of financial assets representing receivables from third parties which are expected to be held for continuing use.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For more information regarding the accounting treatment of right to use assets under lease terms, see Note 2.2.18 "Leases".</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-27</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i8a7dbad8855a45959946977a5d5d5397" continuedAt="i15caddb40276475d853af517f3da271a"><ix:continuation id="if4855f26e29b4b48b9e38dc35b50c331" continuedAt="i4e8290f511b94a0da9c1263960d8988f"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Property, plant and equipment for own use are presented in the consolidated balance sheets at acquisition cost, less any accumulated depreciation and, where appropriate, any estimated impairment losses resulting from comparing the net carrying amount of each item with its corresponding recoverable amount (see Note 17).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Depreciation is calculated using the straight-line method, during the useful life of the asset, on the basis of the acquisition cost of the assets less their residual value; the land is considered to have an indefinite life and is therefore not depreciated.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_565"></div><ix:continuation id="i15caddb40276475d853af517f3da271a" continuedAt="i40ae5feffbec40b497bc5b1502904f05"><ix:continuation id="i4e8290f511b94a0da9c1263960d8988f" continuedAt="i7cf3bfe2da044aef9ae5400c134b448a"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DepreciationRatesForTangibleAssetsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjUvZnJhZzo3ZThkMGVkZTk2Y2E0NzIwOGIwN2QzMzI4ZGNiOWI4Yy90ZXh0cmVnaW9uOjdlOGQwZWRlOTZjYTQ3MjA4YjA3ZDMzMjhkY2I5YjhjXzc_c5fbd24e-adba-47da-a1c1-b75adf9ae852" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The tangible asset depreciation charges are recognized in the consolidated income statements under the heading "Depreciation and Amortization" (see Note 45) and are based on the application of the following depreciation rates (determined on the basis of the average years of estimated useful life of the various assets):</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:46.049%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:51.751%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Depreciation rates for tangible assets</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Type of assets</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annual Percentage</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Buildings for own use</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia5fbce8ff3d143d9a9bef11cf87a1b5e_D20220101-20221231" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjUvZnJhZzo3ZThkMGVkZTk2Y2E0NzIwOGIwN2QzMzI4ZGNiOWI4Yy90YWJsZTplNzgxMDRjY2VjNDQ0ZDg3YWYzOGI3NTgxZTNmYjZhMy90YWJsZXJhbmdlOmU3ODEwNGNjZWM0NDRkODdhZjM4Yjc1ODFlM2ZiNmEzXzMtMi0xLTEtNzE0Nzc0_bac3eb0b-bf09-4ec3-8e59-363cbe2b0f74">1% - 4%</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Furniture</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i38f29c06dab74696ae538a2423ccd895_D20220101-20221231" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjUvZnJhZzo3ZThkMGVkZTk2Y2E0NzIwOGIwN2QzMzI4ZGNiOWI4Yy90YWJsZTplNzgxMDRjY2VjNDQ0ZDg3YWYzOGI3NTgxZTNmYjZhMy90YWJsZXJhbmdlOmU3ODEwNGNjZWM0NDRkODdhZjM4Yjc1ODFlM2ZiNmEzXzQtMi0xLTEtNzE0Nzc0_05daa194-d695-4379-994d-4351c15a9509">8% - 10%</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixtures</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i6207baca795e4522a84acafc012d8be3_D20220101-20221231" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjUvZnJhZzo3ZThkMGVkZTk2Y2E0NzIwOGIwN2QzMzI4ZGNiOWI4Yy90YWJsZTplNzgxMDRjY2VjNDQ0ZDg3YWYzOGI3NTgxZTNmYjZhMy90YWJsZXJhbmdlOmU3ODEwNGNjZWM0NDRkODdhZjM4Yjc1ODFlM2ZiNmEzXzUtMi0xLTEtNzE0Nzc0_f669c345-1ea8-4778-ae93-64d5fddf2fb7">6% - 12%</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Office supplies and hardware</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0eb2d53e66914731b45a307c3a1d5095_D20220101-20221231" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjUvZnJhZzo3ZThkMGVkZTk2Y2E0NzIwOGIwN2QzMzI4ZGNiOWI4Yy90YWJsZTplNzgxMDRjY2VjNDQ0ZDg3YWYzOGI3NTgxZTNmYjZhMy90YWJsZXJhbmdlOmU3ODEwNGNjZWM0NDRkODdhZjM4Yjc1ODFlM2ZiNmEzXzYtMi0xLTEtNzE0Nzc0_6bf99167-3fc0-431e-a07b-15236380a504">8% - 25%</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease use rights</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="iceb110f8391f4a67b74663749d69c0da_D20220101-20221231" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NjUvZnJhZzo3ZThkMGVkZTk2Y2E0NzIwOGIwN2QzMzI4ZGNiOWI4Yy90YWJsZTplNzgxMDRjY2VjNDQ0ZDg3YWYzOGI3NTgxZTNmYjZhMy90YWJsZXJhbmdlOmU3ODEwNGNjZWM0NDRkODdhZjM4Yjc1ODFlM2ZiNmEzXzctMi0xLTEtNzE0Nzc0_7131ae57-9a07-40dc-8bf3-2fcb033674ae">The lesser of the lease term or the useful life of the underlying asset</ix:nonNumeric></span></td></tr></table></div></ix:nonNumeric></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_568"></div><ix:continuation id="i40ae5feffbec40b497bc5b1502904f05" continuedAt="iadeb297406354b879691db5c758c3395"><ix:continuation id="i7cf3bfe2da044aef9ae5400c134b448a"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At each reporting date, the Group entities analyze whether there are internal or external indicators that a tangible asset may be impaired. When there is evidence of impairment, the Group analyzes whether this impairment actually exists by comparing the asset&#8217;s net carrying amount with its recoverable amount (defined as the higher between its recoverable amount less disposal costs and its value in use). When the carrying amount exceeds the recoverable amount, the carrying amount is written down to the recoverable amount and depreciation charges going forward are adjusted to reflect the asset&#8217;s remaining useful life.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Similarly, if there is any indication that the value of a previously impaired tangible asset is now recoverable, the consolidated entities will estimate the recoverable amounts of the asset and recognize it in the consolidated income statement, recording the reversal of the impairment loss recognized in previous years and thus adjusting future depreciation charges. Under no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognized in prior years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the BBVA Group, most of the buildings held for own use are assigned to the different Cash Generating Units (CGU) to which they belong. The corresponding impairment analyses are performed for these CGU to check whether sufficient cash flows are generated to support the value of the assets comprised within.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Operating and maintenance expense relating to tangible assets held for own use are recognized as an expense in the year they are incurred and recognized in the consolidated income statements under the heading "Administration costs - Other administrative expense - Property, fixtures and materials" (see Note 44.2).</span></div><div style="text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Other assets leased out under an operating lease</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The criteria used to recognize the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognize the impairment losses on them, are the same as those described in relation to tangible assets for own use.</span></div><div style="text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Investment properties</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Tangible assets - Investment properties&#8221; in the consolidated balance sheets reflects the net values (purchase cost minus the corresponding accumulated depreciation and, if appropriate, estimated impairment losses) of the land, buildings and other structures that are held either to earn rental income or for capital appreciation through sale and that are neither expected to be sold off in the ordinary course of business nor are destined for own use (see Note 17).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The criteria used to recognize the acquisition cost of investment properties, calculate their depreciation and their respective estimated useful lives, and recognize the impairment losses on them, are the same as those described in relation to tangible assets held for own use.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_571"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">2.2.6</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:16pt"><ix:continuation id="iadeb297406354b879691db5c758c3395" continuedAt="iab8bd00aa4fc4d2b8248bfad1afac036"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForBusinessCombinationsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NzEvZnJhZzo0NjRjNTIwZDYzYWI0NDU0OGI5MTdjYjQyNmQwMzY4NS90ZXh0cmVnaW9uOjQ2NGM1MjBkNjNhYjQ0NTQ4YjkxN2NiNDI2ZDAzNjg1XzMx_55ac4b04-b69f-44b2-a4d4-f172f7af2e8a" continuedAt="i3b6a7c278f3a49c4a758b7a3271de9e5" escape="true">Business combinations</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="iab8bd00aa4fc4d2b8248bfad1afac036" continuedAt="icec9d47a8f71496a9682e62dde3e9728"><ix:continuation id="i3b6a7c278f3a49c4a758b7a3271de9e5" continuedAt="id7332dba6f534d7591973dce3d763b57"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A business combination is a transaction, or any other deal, by which the Group obtains control of one or more businesses. It is accounted for by applying the &#8220;acquisition method&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to this method, the acquirer has to recognize the assets acquired and the liabilities and contingent liabilities assumed, including those that the acquired entity had not recognized in the accounts. The method involves the measurement of the consideration received for the business combination and its allocation to the assets, liabilities and contingent liabilities measured according to their fair value, at the purchase date, as well as the recognition of any non-controlling participation (minority interests) that may arise from the transaction.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-28</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="icec9d47a8f71496a9682e62dde3e9728" continuedAt="i15021b884fa9471082433465959c8624"><ix:continuation id="id7332dba6f534d7591973dce3d763b57"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In a business combination achieved in stages, in which the Group starts with an investment, an associate (investee) or a joint venture, the acquirer shall measure its previously held equity interest in the acquiree at its acquisition-date fair value and recognize the resulting gain or loss, if any, in profit or loss under the heading &#8220;Gains (losses) on derecognition of non-financial assets and subsidiaries, net&#8221; of the consolidated income statements. In prior reporting periods, the acquirer may have recognized changes in the value of its equity interest in the acquiree. If so, the amount that was recognized in the consolidated financial statements shall be recorded on the same basis as would be required if the acquirer had disposed directly of the previously held equity interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, the acquirer shall recognize an asset in the consolidated balance sheet under the heading &#8220;Intangible asset - Goodwill&#8221; if on the acquisition date there is a positive difference between:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">the sum of the consideration transferred, the amount of all the non-controlling interests and the fair value of stock previously held in the acquired business; and </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">the net fair value of the assets acquired and liabilities assumed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If this difference is negative, it shall be recognized directly in the income statement under the heading &#8220;Negative goodwill recognized in profit or loss&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Non-controlling interests in the acquired entity may be measured in two ways: either at their fair value; or at the proportional percentage of net assets identified in the acquired entity. The method of valuing non-controlling interest may be elected in each business combination. BBVA Group has always elected the second method.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_574"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.7</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i15021b884fa9471082433465959c8624" continuedAt="i73d206eb094e4a88b1e23aeb4cad2a43"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NzQvZnJhZzo5MTQxZjA0MDliYzk0ODJiOGNiN2YwMWRiZDViZTFmMy90ZXh0cmVnaW9uOjkxNDFmMDQwOWJjOTQ4MmI4Y2I3ZjAxZGJkNWJlMWYzXzUx_7c7b703a-28e7-44a2-841c-dbeb254410d8" continuedAt="icab0419f46014f50873fc06eca1815b1" escape="true">Intangible assets</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i73d206eb094e4a88b1e23aeb4cad2a43" continuedAt="iea475789f1c946929b3e5fcf3c07f340"><ix:continuation id="icab0419f46014f50873fc06eca1815b1" continuedAt="i760327d2a2264a0db9a76c7c8d535651"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForGoodwillPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NzQvZnJhZzo5MTQxZjA0MDliYzk0ODJiOGNiN2YwMWRiZDViZTFmMy90ZXh0cmVnaW9uOjkxNDFmMDQwOWJjOTQ4MmI4Y2I3ZjAxZGJkNWJlMWYzXzQ5_96ab11f1-ab63-47e5-8db7-4c4560cb48c6" escape="true"><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Goodwill</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Goodwill represents a portion of consideration transferred in advance by the acquiring entity for the future economic benefits from assets that cannot be individually identified and separately recognized in a business combination. Goodwill is never amortized. It is subject periodically to an impairment analysis, and is written down if there has been impairment (see Note 18).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Goodwill is assigned to one or more CGU that expect to be the beneficiaries of the synergies derived from the business combinations. The CGU represent the Group&#8217;s smallest identifiable asset groups that generate cash flows for the Group and that are largely independent of the flows generated from the Group&#8217;s other assets or groups of assets. Each unit or units to which goodwill is allocated:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Is the lowest level at which the entity manages goodwill internally.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Is not larger than an operating segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The CGU to which goodwill has been allocated are tested for impairment (including the allocated goodwill in their carrying amount). This analysis is performed at least annually or more frequently if there is any indication of impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the purpose of determining the impairment of a CGU to which a part of goodwill has been allocated, the carrying amount of that CGU, adjusted by the theoretical amount of the goodwill attributable to the non-controlling interests, in the event they are not valued at fair value, is compared with its recoverable amount. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The recoverable amount of a CGU is equal to the fair value less sale costs or its value in use, whichever is greater. Value in use is calculated as the discounted value of the cash flow projections that the unit&#8217;s management estimates and is based on the latest budgets approved for the coming years. The main assumptions used in its calculation are: a growth rate to extrapolate the cash flows indefinitely, and the discount rate used to discount the cash flows, which is equal to the cost of the capital assigned to each CGU, and equivalent to the sum of the risk-free rate plus a risk premium inherent to the CGU being evaluated for impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss; the resulting loss is apportioned by reducing, first, the carrying amount of the goodwill allocated to that unit and, second, if there are still impairment losses remaining to be recognized, the carrying amount of the remainder of the assets. This is done by allocating the remaining loss in proportion to the carrying amount of each of the assets in the unit. In the event the non-controlling interests are measured at fair value, the deterioration of goodwill attributable to non-controlling interests will be recognized. In any case, an impairment loss recognized for goodwill shall not be reversed in a subsequent period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Goodwill impairment losses are recognized under the heading "Impairment or reversal of impairment on non-financial assets &#8211; Intangible assets&#8221; (see Note 49).</span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NzQvZnJhZzo5MTQxZjA0MDliYzk0ODJiOGNiN2YwMWRiZDViZTFmMy90ZXh0cmVnaW9uOjkxNDFmMDQwOWJjOTQ4MmI4Y2I3ZjAxZGJkNWJlMWYzXzUw_92e549ba-86a2-4fdf-b7d4-b05f37c5d64e" continuedAt="iaef9846a391d45a5a4f74f02d30448b6" escape="true"><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Other intangible assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These assets may have an indefinite useful life if, based on an analysis of all relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash flows for the consolidated entities. In all other cases they have a finite useful life (see Note 18.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Intangible assets with a finite useful life are amortized according to the duration of this useful life, using methods similar to those used to depreciate tangible assets. The defined useful life intangible asset is made up mainly of IT applications acquisition costs which have a useful life of 3 to 5 years. The amortization charge of these assets is recognized in the consolidated income statements under the heading "Depreciation and amortization" (see Note 45).</span></div></ix:nonNumeric></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-29</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="iea475789f1c946929b3e5fcf3c07f340" continuedAt="ic18195fe697c4f4ea058567fc8ff4b8a"><ix:continuation id="i760327d2a2264a0db9a76c7c8d535651"><ix:continuation id="iaef9846a391d45a5a4f74f02d30448b6">The consolidated entities recognize any impairment losses on the carrying amount of these assets with a charge to the heading &#8220;Impairment or reversal of impairment on non-financial assets- Intangible assets&#8221; in the consolidated income statements (see Note 49). The criteria used to recognize the impairment losses on these assets and, where applicable, the recovery of impairment losses recognized in prior years, are similar to those used for tangible assets.</ix:continuation></ix:continuation></ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_577"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">2.2.8</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:16pt"><ix:continuation id="ic18195fe697c4f4ea058567fc8ff4b8a" continuedAt="ibd54e96729e742ac8be9fc03dfad6a53"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForInsuranceContractsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81NzcvZnJhZzplMjI0ZWQ3YzdhM2U0MTNjOWM1ZDFhZGMxNzczM2U3ZS90ZXh0cmVnaW9uOmUyMjRlZDdjN2EzZTQxM2M5YzVkMWFkYzE3NzMzZTdlXzcz_ec14d8d4-a61c-4994-9b8b-6e4553db606c" continuedAt="i901ab599f67a4deeb50c61d2c57635b5" escape="true">Insurance and reinsurance contracts</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="ibd54e96729e742ac8be9fc03dfad6a53" continuedAt="ibe7b3d76e464430296970a56889fd299"><ix:continuation id="i901ab599f67a4deeb50c61d2c57635b5"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets and liabilities of the BBVA Group&#8217;s insurance subsidiaries are recognized according to their nature under the corresponding headings of the consolidated balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Insurance and reinsurance assets&#8221; in the consolidated balance sheets includes the amounts that the consolidated insurance subsidiaries are entitled to receive under the reinsurance contracts entered into by them with third parties and, more specifically, the reinsurer&#180;s share of the technical provisions recognized by the consolidated insurance subsidiaries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets includes the technical provisions for direct insurance and inward reinsurance recognized by the consolidated insurance subsidiaries to cover claims arising from insurance contracts open at period-end (see Note 23).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The income or expense reported by the BBVA Group&#8217;s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the corresponding items of the consolidated income statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The consolidated insurance entities of the BBVA Group recognize the amounts of the premiums written and a charge for the estimated cost of the claims that will be incurred at their final settlement to their consolidated income statements. At the close of each year the amounts collected and unearned, as well as the costs incurred and unpaid, are accrued.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant provisions recorded by consolidated insurance entities with respect to insurance policies issued by them are set out by their nature in Note 23.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to the type of product, the provisions may be as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Life insurance provisions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Represents the value of the net obligations undertaken with the life insurance policyholder. These provisions include:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Provisions for unearned premiums. These are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated to the period from year-end to the end of the insurance policy period. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Mathematical reserves: Represents the value of the life insurance obligations of the insurance entities at year-end, net of the policyholder&#8217;s obligations, arising from life insurance contracted.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-life insurance provisions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Provisions for unearned premiums. These provisions are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated to the period between the year-end and the end of the policy period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Provisions for unexpired risks: The provision for unexpired risks supplements the provision for unearned premiums by the amount by which that provision is not sufficient to reflect the assessed risks and expenses to be covered by the consolidated insurance subsidiaries in the policy period not elapsed at year-end.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Provision for claims:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This reflects the total amount of the outstanding obligations arising from claims incurred prior to year-end. Insurance subsidiaries calculate this provision as the difference between the total estimated or certain cost of the claims not yet reported, settled or paid, and the total amounts already paid in relation to these claims. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Provision for bonuses and rebates:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This provision includes the amount of the bonuses accruing to policyholders, insurees or beneficiaries and the premiums to be returned to policyholders or insurees, as the case may be, based on the behavior of the risk insured, to the extent that such amounts have not been individually assigned to each of them.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Technical provisions for reinsurance ceded:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Calculated by applying the criteria indicated above for direct insurance, taking account of the assignment conditions established in the open reinsurance contracts.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Other technical provisions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Insurance entities have recognized provisions to cover the probable mismatches in the market reinvestment interest rates with respect to those used in the valuation of the technical provisions.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-30</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_580"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.9</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="ibe7b3d76e464430296970a56889fd299" continuedAt="i965b4fdd0af64151a570e451ed26645f"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForIncomeTaxPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81ODAvZnJhZzpkMDg2ZTU1YzQwMmI0YTJiOTcyNmQ1ZjRhZGEyZTc4OS90ZXh0cmVnaW9uOmQwODZlNTVjNDAyYjRhMmI5NzI2ZDVmNGFkYTJlNzg5XzI4_fbd2ca54-f85c-4ba5-b642-2359d6c6a0fd" continuedAt="ie1310eecbcd34dd284438d1509519f47" escape="true">Tax assets and liabilities</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i965b4fdd0af64151a570e451ed26645f" continuedAt="i0be7341770ff498aa48c5d5d6b1fefc0"><ix:continuation id="ie1310eecbcd34dd284438d1509519f47"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Expenses on corporate income tax applicable to the BBVA Group&#8217;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized in the consolidated income statement, except when they result from transactions on which the profits or losses are recognized directly in equity, in which case the related tax effect is also recognized in equity. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The total corporate income tax expense is calculated by aggregating the current tax arising from the application of the corresponding tax rate as per the tax base for the year (after deducting the tax credits or discounts allowable for tax purposes) and the change in deferred tax assets and liabilities recognized in the consolidated income statement.</span></div></ix:continuation><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81ODAvZnJhZzpkMDg2ZTU1YzQwMmI0YTJiOTcyNmQ1ZjRhZGEyZTc4OS90ZXh0cmVnaW9uOmQwODZlNTVjNDAyYjRhMmI5NzI2ZDVmNGFkYTJlNzg5XzI5_2a54b048-61de-4f92-b924-ad86663da60d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Deferred tax assets and liabilities include temporary differences, defined as the amounts to be payable or recoverable in future years arising from the differences between the carrying amount of assets and liabilities and their tax bases (the &#8220;tax value&#8221;), and tax loss and tax credit or discount carry forwards. These amounts are calculated by applying to each temporary difference the tax rates that are expected to apply when the asset is realized or the liability settled (see Note 19).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The "Tax Assets" line item in the consolidated balance sheets includes the amount of all the assets of a tax nature, broken down into: "Current&#8221; (amounts of tax recoverable in the next twelve months) and "Deferred" (which includes the amount of tax to be recovered in future years, including those arising from tax losses or credits for deductions or rebates that can be compensated). The "Tax Liabilities" line item in the consolidated balance sheets includes the amount of all the liabilities of a tax nature, except for provisions for taxes, broken down into: "Current&#8221; (income tax payable on taxable profit for the year and other taxes payable in the next twelve months) and "Deferred" (the amount of corporate tax payable in subsequent years).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Deferred tax liabilities attributable to taxable temporary differences associated with investments in subsidiaries, associates or joint venture entities are recognized as such, except where the Group can control the timing of the reversal of the temporary difference and it is unlikely that it will reverse in the future. Deferred tax assets are recognized to the extent that it is probable that the consolidated entities will generate enough taxable profits to make deferred tax assets effective and do not correspond to those from initial recognition (except in the case of business combinations), which also does not affect the fiscal outcome.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The deferred tax assets and liabilities recognized are reassessed by the consolidated entities at each balance sheet date in order to ascertain whether they still qualify as deferred tax assets and liabilities, and the appropriate adjustments are made on the basis of the findings of the analyses performed. In those circumstances in which it is unclear how a specific requirement of the tax law applies to a particular transaction or circumstance, and the acceptability of the definitive tax treatment depends on the decisions taken by the relevant taxation authority in future, the entity recognizes current and deferred tax liabilities and assets considering whether it is probable or not that a taxation authority will accept an uncertain tax treatment. Thus, if the entity concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the entity uses the amount expected to be paid to (recovered from) the taxation authorities.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81ODAvZnJhZzpkMDg2ZTU1YzQwMmI0YTJiOTcyNmQ1ZjRhZGEyZTc4OS90ZXh0cmVnaW9uOmQwODZlNTVjNDAyYjRhMmI5NzI2ZDVmNGFkYTJlNzg5XzMw_7f931c15-6128-45f1-8f23-f1339488efad" escape="true">The income and expense directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.</ix:nonNumeric></span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_583"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.10</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="i0be7341770ff498aa48c5d5d6b1fefc0" continuedAt="i16049df309374861bd6bd1b2c97be6b1"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForProvisionsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81ODMvZnJhZzo4NzdiMTJlOGMwOGE0MDhiYjJmZTdiOWU5MzY5M2IyYy90ZXh0cmVnaW9uOjg3N2IxMmU4YzA4YTQwOGJiMmZlN2I5ZTkzNjkzYjJjXzMx_fde56cc2-d4a8-41a3-ac4e-8464a79bc4bf" continuedAt="i218ee7465e22441fac6c2791bb78de28" escape="true">Provisions, contingent assets and contingent liabilities</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i16049df309374861bd6bd1b2c97be6b1" continuedAt="idc7ba14d15a1442c82a846ea315c8c2e"><ix:continuation id="i218ee7465e22441fac6c2791bb78de28" continuedAt="ic24ee688dd734379aaea8b8994345c34"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Provisions&#8221; in the consolidated balance sheets includes amounts recognized to cover the BBVA Group&#8217;s current obligations arising as a result of past events. These are certain in terms of nature but uncertain in terms of amount and/or settlement date. The settlement of these obligations is deemed likely to entail an outflow of resources embodying economic benefits (see Note 24). The obligations may arise in connection with legal or contractual provisions, valid expectations formed by Group entities relative to third parties in relation to the assumption of certain responsibilities or through virtually certain developments of particular aspects of the regulations applicable to the operation of the entities; and, specifically, future legislation to which the Group will certainly be subject. The provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">They represent a current obligation that has arisen from a past event. At the date of the Consolidated Financial Statements, there is more probability that the obligation will have to be met than that it will not.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">It is probable that an outflow of resources embodying economic benefits will be required to settle the obligation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The amount of the obligation can be reasonably estimated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Among other items, these provisions include the commitments made to employees by some of the Group entities mentioned in Note 2.2.11, as well as provisions for tax and legal litigation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Contingent assets are possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of events beyond the control of the Group. Contingent assets are not recognized in the consolidated balance sheet or in the consolidated income statement; however, they will be disclosed, should they exist, in the Notes to the Consolidated Financial Statements, provided that it is probable they will give rise to an increase in resources embodying economic benefits (see Note 34).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Contingent liabilities are possible obligations of the Group that arise from past events and whose existence is conditional on the occurrence or non-occurrence of one or more future events beyond the control of the Group. They also include the existing obligations of the Group when it is not probable that an outflow of resources embodying economic benefits will be required to settle them; or when, in extremely rare cases, their amount cannot be measured with sufficient reliability. </span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-31</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="idc7ba14d15a1442c82a846ea315c8c2e" continuedAt="ic8d0a28f8d914576ba375ced79f985dd"><ix:continuation id="ic24ee688dd734379aaea8b8994345c34">Contingent liabilities are not recognized in the consolidated balance sheet or the income statement (excluding contingent liabilities from business combinations) but are disclosed in the Notes to the Consolidated Financial Statements, unless the possibility of an outflow of resources embodying economic benefits is remote.</ix:continuation></ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_586"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.11</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="ic8d0a28f8d914576ba375ced79f985dd" continuedAt="ie8de1af49f0f48099f5cd6524e7fe7b8"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForEmployeeBenefitsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81ODYvZnJhZzpjYTVkZjE3YzdlZGQ0NDhhYjExNWM5NTRmYmZiZTQwNS90ZXh0cmVnaW9uOmNhNWRmMTdjN2VkZDQ0OGFiMTE1Yzk1NGZiZmJlNDA1Xzg0_909f0f83-e255-4a51-b5df-39b3e139cdea" continuedAt="i5f06815f5a504a69ae274f60bac0db18" escape="true">Pensions and other post-employment commitments </ix:nonNumeric></ix:continuation></span></div><ix:continuation id="ie8de1af49f0f48099f5cd6524e7fe7b8" continuedAt="i36d020aac7dc4838a58a1a2312c395ec"><ix:continuation id="i5f06815f5a504a69ae274f60bac0db18" continuedAt="i7daf64cff08e48ae83513031f91bcbb9"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below we provide a description of the most significant accounting policies relating to post-employment and other employee benefit commitments assumed by BBVA Group entities (see Note 25).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Short-term employee benefits</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity&#180;s accounts. These include wages and salaries, social security charges and other personnel expense.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Costs are charged and recognized under the heading &#8220;Administration costs &#8211; Personnel expense &#8211; Other personnel expense&#8221; of the consolidated income statement (see Note 44.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Post-employment benefits &#8211; Defined-contribution plans</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group sponsors defined-contribution plans for the majority of its active employees. The amount of these benefits is established as a percentage of remuneration and/or as a fixed amount.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The contributions made to these plans in each year by BBVA Group entities are charged and recognized under the heading &#8220;Administration costs &#8211; Personnel expense&#8211; Defined-contribution plan expense&#8221; of the consolidated income statement (see Note 44.1). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Post-employment benefits &#8211; Defined-benefit plans</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Some Group entities maintain pension commitments with employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employees. These commitments are covered by insurance contracts, pension funds and internal provisions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, some of the Spanish entities have offered certain employees the option to retire before their normal retirement age, recognizing the necessary provisions to cover the costs of the associated benefit commitments, which include both the liability for the benefit payments due as well as the contributions payable to external pension funds during the early retirement period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All of these commitments are quantified based on actuarial valuations, with the amounts recorded under the heading &#8220;Provisions &#8211; Provisions for pensions and similar obligations&#8221; in the consolidated balance sheet and determined as the difference between the value of the defined-benefit commitments and the fair value of plan assets at the date of the consolidated financial statements (see Note 25).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Current service cost is charged and recognized under the heading &#8220;Administration costs &#8211; Personnel expense &#8211; Defined-benefit plan expense&#8221; of the consolidated income statement (see Note 44.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Interest credits/charges relating to these commitments are charged and recognized in net terms under the headings &#8220;Interest and other income&#8221; or, where appropriated, &#8220;Interest expense&#8221; of the consolidated income statement (see Note 37).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Past service costs arising from benefit plan changes as well as early retirements granted during the year are recognized under the heading &#8220;Provisions or reversals of provisions&#8221; of the consolidated income statement (see Note 46).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Other long-term employee benefits</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the above commitments, certain Group entities provide long-term service awards to their employees, consisting mainly of monetary amounts or periods of vacation granted upon completion of a number of years of qualifying service. This heading also includes the commitments related to the termination of employment contracts according to the collective layoff procedure carried out in BBVA, S.A. in 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These commitments are quantified based on actuarial valuations and the amounts recorded under the heading &#8220;Provisions &#8211; Other long-term employee benefits&#8221; of the consolidated balance sheet (see Note 24).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Valuation of commitments: actuarial assumptions and recognition of gains/losses</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The present value of these commitments is determined based on individual member data. Active employee costs are determined using the &#8220;projected unit credit&#8221; method, which treats each period of service as giving rise to an additional unit of benefit and values each unit separately.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In establishing the actuarial assumptions we take into account that:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-32</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i36d020aac7dc4838a58a1a2312c395ec" continuedAt="iaf71e998794446c2870a708692bacf22"><ix:continuation id="i7daf64cff08e48ae83513031f91bcbb9"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Each assumption does not contradict the others and adequately reflects the existing relationship between economic variables such as price inflation, expected wage increases, discount rates and the expected return on plan assets, etc. Future wage and benefit levels should be based on market expectations, at the balance sheet date, for the period over which the obligations are to be settled.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group recognizes actuarial gains (losses) relating to early retirement benefits, long service awards and other similar items under the heading &#8220;Provisions or reversal of provisions&#8221; of the consolidated income statement for the period in which they arise (see Note 46). Actuarial gains (losses) relating to pension and medical benefits are directly charged and recognized under the heading "Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211; Actuarial gains (losses) on defined benefit pension plans" of equity in the consolidated balance sheet (see Note 30).</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_589"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.12</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="iaf71e998794446c2870a708692bacf22" continuedAt="ifdaead3cb6154acaa53401348eea652d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81ODkvZnJhZzphYmIyZDM1ZGJmYzk0NzM5OTVhNjg1MDQ5ZTQ1MThmMy90ZXh0cmVnaW9uOmFiYjJkMzVkYmZjOTQ3Mzk5NWE2ODUwNDllNDUxOGYzXzEz_ff5c4023-4152-416f-8c94-c585d75e0cf7" continuedAt="i7df54d4a70514ddaa83b70a45e9e6c1f" escape="true">Equity-settled share-based payment transactions</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="ifdaead3cb6154acaa53401348eea652d" continuedAt="ie7a55c68cd524470a0c6a4289385c269"><ix:continuation id="i7df54d4a70514ddaa83b70a45e9e6c1f"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Equity &#8211;settled share-based payment transactions, provided they constitute the delivery of such equity instruments once completion of a specific period of services has occurred, are recognized as an expense for services being provided by employees, with a corresponding entry under the heading &#8220;Shareholders&#8217; funds &#8211; Other equity&#8221; in the consolidated balance sheet. These services are measured at fair value for the employees services received, unless such fair value cannot be calculated reliably. In such case, they are measured by reference to the fair value of the equity instruments granted, taking into account the date on which the commitments were granted and the terms and other conditions included in the commitments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the initial compensation agreement includes what may be considered market conditions among its terms, any changes in these conditions will not be reflected in the consolidated income statement, as these have already been accounted for in calculating the initial fair value of the equity instruments. Non-market vesting conditions are not taken into account when estimating the initial fair value of equity instruments, but they are taken into account when determining the number of equity instruments to be issued. This will be recognized on the consolidated income statement with the corresponding increase in total consolidated equity.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_592"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.13</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="ie7a55c68cd524470a0c6a4289385c269" continuedAt="iae4415cee3414d47b0a60db0cc2a8a1d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForTerminationBenefitsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81OTIvZnJhZzplMDY4N2QzZTNlYTE0OWNlYjY3MDMwODgwNmUxOWZkZS90ZXh0cmVnaW9uOmUwNjg3ZDNlM2VhMTQ5Y2ViNjcwMzA4ODA2ZTE5ZmRlXzEw_4593c5fe-7259-476b-b8b0-1b5229de6aff" continuedAt="id4f35ee22ffc4215950fa81f8c1d9279" escape="true">Termination benefits</ix:nonNumeric></ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="iae4415cee3414d47b0a60db0cc2a8a1d" continuedAt="ic82fad4ff2c6451a93c2222018898782"><ix:continuation id="id4f35ee22ffc4215950fa81f8c1d9279">Termination benefits are recognized in the financial statements when the BBVA Group agrees to terminate employment contracts with its employees or from the time the costs for a restructuring that involves the payment of compensation for the termination of contracts with its employees are recorded. This happens when there is a formal and detailed plan in which the fundamental modifications to be made are identified, and whenever said plan has begun to be executed or its main characteristics or objective facts about its execution have been publicly announced. The collective layoff procedure carried out at BBVA, S.A. in 2021 complies with these conditions.</ix:continuation> </ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_595"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.14</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="ic82fad4ff2c6451a93c2222018898782" continuedAt="i3e7c9f0e0810495d803431a2bb38d540"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForTreasurySharesPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81OTUvZnJhZzpiYmUzMTU2NTY3ZDg0ZTQ3YjliM2QzYTM1ZjNiMGQ5MC90ZXh0cmVnaW9uOmJiZTMxNTY1NjdkODRlNDdiOWIzZDNhMzVmM2IwZDkwXzE2_fc48315e-94e7-4866-b841-24b62501f03b" continuedAt="i91887af0b478499493cc980d534b80e3" escape="true">Treasury shares</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i3e7c9f0e0810495d803431a2bb38d540" continuedAt="i6b8fc11eca944b739e640e0d6dfcdf35"><ix:continuation id="i91887af0b478499493cc980d534b80e3"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The value of common stock issued by the BBVA Group&#8217;s entities and held by them - basically, shares and derivatives on the Bank&#8217;s shares held by some consolidated entities that comply with the requirements to be recognized as equity instruments - are recognized as a decrease to net equity, under the heading "Shareholders&#8217; funds - Treasury shares" in the consolidated balance sheets (see Note 29).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These financial assets are recognized at acquisition cost, and the gains or losses arising on their disposal are credited or debited, as appropriate, to the heading &#8220;Shareholders&#8217; funds - Retained earnings&#8221; in the consolidated balance sheets (see Note 28).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the event of a contractual obligation to acquire treasury shares, a financial liability is recorded as the present value of the amount committed (under the heading "Financial liabilities at amortized cost - Other financial liabilities") and the corresponding recognition in net equity (under the heading &#8220;Equity - Other Reserves) (see Notes 22.5 and 28).</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_598"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.15</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="i6b8fc11eca944b739e640e0d6dfcdf35" continuedAt="ia4a715fb41a342ec984a70eff9f78550"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81OTgvZnJhZzpjOGNmMTFmZWI3Nzc0NTEzOTk0ZDcyOGFjYTdjZGY4Ni90ZXh0cmVnaW9uOmM4Y2YxMWZlYjc3NzQ1MTM5OTRkNzI4YWNhN2NkZjg2Xzg2_3af5a75e-1fa0-4d85-84fa-eda2be94002d" continuedAt="i6c9dcec91e284cc0b40fa07b3c5f2c79" escape="true">Foreign-currency transactions and exchange differences</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="ia4a715fb41a342ec984a70eff9f78550" continuedAt="i4a2421e40181441d88e1e61d40a5daa7"><ix:continuation id="i6c9dcec91e284cc0b40fa07b3c5f2c79" continuedAt="ia8b8fc9a527044ffb61867e54e2ee095"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The currency in which the Financial Statements of the BBVA Group are presented is the euro. As such, all balances and transactions denominated in currencies other than the euro are deemed to be expressed in &#8220;foreign currency&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Conversion of the foreign currency to the entity&#8217;s functional currency (currency of the main economic environment in which the entity operates); and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV81OTgvZnJhZzpjOGNmMTFmZWI3Nzc0NTEzOTk0ZDcyOGFjYTdjZGY4Ni90ZXh0cmVnaW9uOmM4Y2YxMWZlYjc3NzQ1MTM5OTRkNzI4YWNhN2NkZjg2Xzg3_56df8638-b3a3-4e7c-ba0c-92fe07498273" continuedAt="ibc9b4bb497864ab5b10f6a1fdb7e163f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Conversion of the foreign currency to the entity&#8217;s functional currency</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Transactions denominated in foreign currencies carried out by the consolidated entities (or entities accounted for using the equity method) are initially accounted for in their respective currencies. Subsequently, the monetary balances in foreign currencies are converted to their respective functional currencies using the exchange rate at the close of the financial year. In addition,</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchase date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-monetary items valued at their fair value are converted at the exchange rate in force on the date on which such fair value was determined.</span></div></ix:nonNumeric></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-33</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i4a2421e40181441d88e1e61d40a5daa7" continuedAt="i95bac3bd157a4b6cbc8672aed78d0b1b"><ix:continuation id="ia8b8fc9a527044ffb61867e54e2ee095" continuedAt="i9d6deace4c9545b2872fe862926ccd4e"><ix:continuation id="ibc9b4bb497864ab5b10f6a1fdb7e163f" continuedAt="i0aebd1797f2a4449b7a7bdfab72bf369"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Monetary items are converted to the functional currency at the closing exchange rate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Income and expense are converted at the period&#8217;s average exchange rates for all the operations carried out during the year, except in those geographical areas where IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221; applies (see Note 2.2.19). When applying this criterion the BBVA Group considers whether significant variations have taken place in exchange rates during the year which, owing to their impact on the statements as a whole, may require the application of exchange rates as of the date of the transaction instead of such average exchange rates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The exchange differences produced when converting the balances in foreign currency to the functional currency of the consolidated entities are generally recognized under the heading "Exchange differences, net" in the consolidated income statements (see Note 41). However, the exchange differences in non-monetary items measured at fair value are recorded to equity under the heading &#8220;Accumulated other comprehensive income (loss) - Items that will not be reclassified to profit or loss - Fair value changes of equity instruments measured at fair value through other comprehensive income&#8221; in the consolidated balance sheets (see Note 30).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Conversion of functional currencies to euros</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balances in the financial statements of consolidated entities whose functional currency is not the euro are converted to euros as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Income and expense and cash flows are converted by applying the exchange rate applicable on the date of the transaction, and the average exchange rate for the financial year may be used, unless it has undergone significant variations during the year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Equity items: at the historical exchange rates. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The exchange differences arising from the conversion to euros of balances in the functional currencies of the consolidated entities whose functional currency is not the euro are recognized under the heading &#8220;Accumulated other comprehensive income (loss) &#8211; Items that may be reclassified to profit or loss - Foreign currency translation&#8221; in the consolidated balance sheets (Notes 30 and 31 respectively). Meanwhile, the differences arising from the conversion to euros of the financial statements of entities accounted for by the equity method are recognized under the heading &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Share of other recognized income and expense of investments in joint ventures and associates" (Note 30), until the item to which they relate is derecognized, at which time they are recognized in the income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial statements of companies of hyperinflationary economies are restated for the effects of changes in prices before their conversion to euros following the provisions of IAS 29 "Financial Reporting in Hyperinflationary Economies" (see Note 2.2.19). Both these adjustments for inflation and the exchange differences that arise when converting the financial statements of companies into hyperinflationary economies are accounted for in &#8220;Accumulated other comprehensive income (loss) &#8211; Items that may be reclassified to profit or loss - Foreign currency translation&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Venezuela</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Local financial statements of the Group subsidiaries in Venezuela are expressed in Venezuelan Bolivar, and converted into euros for the consolidated financial statements. Venezuela is a country with strong exchange restrictions that has different rates officially published, and, since December 31, 2015, the Board of Directors considers that the use of these exchanges rates for converting bolivars into euros in preparing the Consolidated Financial Statements does not reflect the true picture of the financial statements of the Group and the financial position of the Group subsidiaries in this country. Therefore, since the year ended December 31, 2015, the exchange rate for converting bolivars into euros is an estimation taking into account the evolution of the estimated inflation in Venezuela. </span></div></ix:continuation></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i9d6deace4c9545b2872fe862926ccd4e"><ix:continuation id="i0aebd1797f2a4449b7a7bdfab72bf369">As of December 31, 2022, 2021 and 2020, the impact on the consolidated financial statements that would have resulted by applying the last published official exchange rate instead of the exchange rate estimated by BBVA Group was not significant (see Note 2.2.19).</ix:continuation></ix:continuation> </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_601"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2.2.16</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:8.22pt"><ix:continuation id="i95bac3bd157a4b6cbc8672aed78d0b1b" continuedAt="if8e29e8f73d14844ba9c2278566f1206"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MDEvZnJhZzphNjFjMTk1ZjkwYTI0MjBiYThlZGNiYzViODIyYzI5Yi90ZXh0cmVnaW9uOmE2MWMxOTVmOTBhMjQyMGJhOGVkY2JjNWI4MjJjMjliXzcy_e8af3300-88c7-4e28-bce8-a37ebca3f4fd" continuedAt="i1436f6bbfeaf4d46b2e114d958fb13ad" escape="true">Recognition of income and expense</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="if8e29e8f73d14844ba9c2278566f1206" continuedAt="i0042460f48b84775b9ea12c8e3944a9d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i1436f6bbfeaf4d46b2e114d958fb13ad">The most significant policies used by the BBVA Group to recognize its income and expense are as follows.</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MDEvZnJhZzphNjFjMTk1ZjkwYTI0MjBiYThlZGNiYzViODIyYzI5Yi90ZXh0cmVnaW9uOmE2MWMxOTVmOTBhMjQyMGJhOGVkY2JjNWI4MjJjMjliXzY4_e18cc461-5175-429a-87d3-c431f709b047" continuedAt="i627745cb8f514d2dac3266cbbf47e344" escape="true">Interest income and expense and similar items:</ix:nonNumeric></span></div><ix:continuation id="i627745cb8f514d2dac3266cbbf47e344" continuedAt="i88b694a23f8d48d9b44bf059e924b3a3"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a general rule, interest income and expense and similar items are recognized on the basis of their period of accrual using the effective interest rate method. In the particular case of inflation-indexed bonds, interest income also includes the effect of real inflation experienced in the period. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">They shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#8217; portfolio which generates the income or expense:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The interest income past-due before the initial recognition and pending to be received will form part of the gross carrying amount of the debt instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The interest income accrued after the initial recognition will form part of the gross carrying amount of the debt instrument until it will be received.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-34</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i0042460f48b84775b9ea12c8e3944a9d" continuedAt="i4f2c2865f31c4f318536e2b9517a09c3"><ix:continuation id="i88b694a23f8d48d9b44bf059e924b3a3"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial fees and commissions that arise on the arrangement of loans and advances (basically origination and analysis fees) are deferred and recognized in the income statement over the expected life of the loan. From that amount, the transaction costs identified as directly attributable to the arrangement of the loans and advances are deducted. These fees are part of the effective interest rate for the loans and advances. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Once a debt instrument has been impaired, interest income is recognized applying the effective interest rate used to discount the estimated recoverable cash flows on the carrying amount of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Income from dividends received:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Dividends shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#8217; portfolio which generates this income:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">When the right to receive payment has been declared before the initial recognition and when the payment is pending to be received, the dividends will not form part of the gross carrying amount of the equity instrument and will not be recognized as income. Those dividends are accounted for as financial assets separately from the net equity instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">If the right to receive payment is received after the initial recognition, the dividends from the net equity instruments will be recognized within the consolidated income statement. If the dividends correspond to the profits of the issuer before the date of initial recognition, they will not be recognized as income but as reduction of the gross carrying amount of the equity instrument because it represents a partial recuperation of the investment. Amongst other circumstances, the generation date can be considered to be prior to the date of initial recognition if the amounts distributed by the issuer as from the initial recognition are higher than its profits during the same period.</span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MDEvZnJhZzphNjFjMTk1ZjkwYTI0MjBiYThlZGNiYzViODIyYzI5Yi90ZXh0cmVnaW9uOmE2MWMxOTVmOTBhMjQyMGJhOGVkY2JjNWI4MjJjMjliXzY5_fa7dfe56-97ac-4099-8e5f-eadf888a486d" continuedAt="i79562f4cdda7442b8359574f60f843c5" escape="true">Commissions, fees and similar items:</ix:nonNumeric></span></div><ix:continuation id="i79562f4cdda7442b8359574f60f843c5"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Income and expense relating to commissions and similar fees are recognized in the consolidated income statement using criteria that vary according to the nature of such items. The most significant items in this regard are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Those relating to financial assets and liabilities measured at fair value through profit or loss, which are recognized immediately in the income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Those arising from transactions or services that are provided over a period of time, which are recognized over the life of these transactions or services.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Those relating to a singular transaction, which are recognized when this singular transaction is carried out.</span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MDEvZnJhZzphNjFjMTk1ZjkwYTI0MjBiYThlZGNiYzViODIyYzI5Yi90ZXh0cmVnaW9uOmE2MWMxOTVmOTBhMjQyMGJhOGVkY2JjNWI4MjJjMjliXzcw_3c255e2e-441f-4ffa-915f-b723cd0908db" continuedAt="i19a8ee5e16bd4dffad477e4480fce70e" escape="true">Non-financial income and expense:</ix:nonNumeric></span></div><ix:continuation id="i19a8ee5e16bd4dffad477e4480fce70e"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These are recognized for accounting purposes on an accrual basis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Deferred collections and payments:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_604"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.17</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="i4f2c2865f31c4f318536e2b9517a09c3" continuedAt="i60a080f138a94f2ab6876faae612062c"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MDQvZnJhZzo4NmFjZjcyMDkyN2I0M2NiOWE5ZDBiYzczNmRjZjdiNC90ZXh0cmVnaW9uOjg2YWNmNzIwOTI3YjQzY2I5YTlkMGJjNzM2ZGNmN2I0XzEw_bfec0926-be38-4cb7-8db6-6ed6c1dba208" continuedAt="i3ff8141c60e24a7192501556aac4b706" escape="true">Sales of assets and income from the provision of non-financial services</ix:nonNumeric></ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i60a080f138a94f2ab6876faae612062c" continuedAt="ic650a5aa96e34a81aec018bfd344987f"><ix:continuation id="i3ff8141c60e24a7192501556aac4b706">The heading &#8220;Other operating income&#8221; in the consolidated income statements includes the proceeds of the sales of assets and income from the services provided by the Group entities that are not financial institutions. In the case of the Group, these entities are mainly real estate and service entities (see Note 42).</ix:continuation></ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_607"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.18</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="ic650a5aa96e34a81aec018bfd344987f" continuedAt="i00e078d433574d03b14a63f1a732968d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPolicyForLeasesPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MDcvZnJhZzo0Y2Q4NDkzODQ1OTg0NDM1YmYzYzk3NjA4MTI2NTY4NC90ZXh0cmVnaW9uOjRjZDg0OTM4NDU5ODQ0MzViZjNjOTc2MDgxMjY1Njg0XzUx_c8c9983a-04e0-4abc-ae81-57b49d4c320f" continuedAt="i47492f6d2abc4ca081723e37937ddc3c" escape="true">Leases</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i00e078d433574d03b14a63f1a732968d" continuedAt="ia434456334c344e79b61c653f4ffffc4"><ix:continuation id="i47492f6d2abc4ca081723e37937ddc3c" continuedAt="i41d9c02b50de484d8abb7afe1fd9f004"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The lessee accounting model requires the lessee to record assets and liabilities for all lease contracts. A lessee is required to recognize a right-of-use asset representing its right to use the underlying leased asset, which is recorded under the headings &#8216;&#8216;Tangible assets &#8211; Property plants and equipment&#8217;&#8217; and &#8216;&#8216;Tangible assets &#8211; Investment properties&#8217;&#8217; of the consolidated balance sheet (see Note 17) and a lease liability representing its obligation to make lease payments which is recorded under the heading &#8216;&#8216; Financial liabilities at amortized cost &#8211; Other financial liabilities&#8217;&#8217; in the consolidated balance sheet (see Note 22.5). The standard provides two exceptions for the recognition of lease assets and liabilities that can be applied in the case of short-term contracts and those in which the underlying assets have low value. BBVA elected to apply both exceptions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the initial date of the lease, the lease liability represents the present value of all lease unpaid payments. The liabilities registered under this heading of the consolidated balance sheets are measured after their initial recognition at amortized cost, this being determined in accordance with the &#8220;effective interest rate&#8221; method.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The right to use assets are initially recorded at cost. This cost includes the initial measurement of the lease liability, any payment made on or before the initial date less any lease incentives received, all direct initial expenses incurred, as well as an estimate of the expenses to be incurred by the lessee for dismantling or rehabilitation, such as expenses related to the removal and dismantling of the underlying asset. The right to use assets recorded under this heading of the consolidated balance sheets are measured after their initial recognition at cost less:</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-35</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia434456334c344e79b61c653f4ffffc4" continuedAt="i84af272bd61c46d59166fd37b119cdbe"><ix:continuation id="i41d9c02b50de484d8abb7afe1fd9f004"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The accumulated depreciation and accumulated impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Any remeasurement of the lease liability.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The interest expense on the lease liability is recorded in the consolidated income statements under the heading &#8220;Interest expense&#8221; (see note 37.2). Variable payments not included in the initial measurement of the lease liability are recorded under the heading &#8220;Administration costs &#8211; Other administrative expense&#8221; (see Note 44.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Amortization is calculated using the straight-line method over the lifetime of the lease contract, on the basis of the cost of the assets. The tangible asset depreciation charges are recognized in the consolidated income statements under the heading "Depreciation and Amortization" (see Note 45).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When electing one of the exceptions in order not to recognize the corresponding right to use and the liability in the consolidated balance sheets, payments related to the corresponding lease are recognized in the consolidated income statements, over the contract period, lineally, or in the way that best represents the structure of the lease operation, under the heading "Other operating expense&#8221; (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Operating lease and sublease incomes are recognized in the consolidated income statements under the headings &#8220;Other operating income&#8221; (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a lessor, lease contracts are classified as finance leases from the inception of the transaction if they substantially transfer all the risks and rewards incidental to ownership of the asset forming the subject-matter of the contract. Leases other than finance leases are classified as operating leases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the consolidated entities act as the lessor of an asset under finance leases, the aggregate present values of the lease payments receivable from the lessee plus the guaranteed residual value (normally the exercise price of the lessee&#8217;s purchase option on expiration of the lease agreement) are recognized as financing provided to third parties and, therefore, are included under the heading &#8220;Loans and advances&#8221; in the consolidated balance sheets (see Note 14).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the consolidated entities act as lessors of an asset in operating leases, the acquisition cost of the leased assets is recognized under "Tangible assets &#8211; Property, plant and equipment &#8211; Other assets leased out under an operating lease" in the consolidated balance sheets (see Note 17). These assets are depreciated in line with the criteria adopted for items of tangible assets for own use, while the income arising from the lease arrangements is recognized in the consolidated income statements on a straight-line basis within &#8220;Other operating income&#8221; and "Other operating expense" (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If a fair value sale and leaseback results in a lease, the profit or loss generated from the effectively transferred part of the sale is recognized in the consolidated income statement at the time of sale (only for the effectively transmitted part). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets leased out under operating lease contracts to other entities in the Group are treated in the consolidated financial statements as for own use, and thus rental expense and income is eliminated in consolidation and the corresponding depreciation is recognized.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_610"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.2.19</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"><ix:continuation id="i84af272bd61c46d59166fd37b119cdbe" continuedAt="i1282a5d09b0f4c158e8945f5a9669fdf"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTAvZnJhZzphMDBmZWIyYmNmNDQ0YjYzODAxYzZjODhkMmFmOWJmYS90ZXh0cmVnaW9uOmEwMGZlYjJiY2Y0NDRiNjM4MDFjNmM4OGQyYWY5YmZhXzEwNQ_8bb42b22-c66e-45bb-a624-aced6a082f1f" continuedAt="i38970c1effa84da5acef7c253a9572bc" escape="true">Entities and branches located in countries with hyperinflationary economies</ix:nonNumeric></ix:continuation></span></div><ix:continuation id="i1282a5d09b0f4c158e8945f5a9669fdf" continuedAt="i99300aed04c84b0aae979963a3e0bb9b"><ix:continuation id="i38970c1effa84da5acef7c253a9572bc" continuedAt="ia52c3b7bdaa74a4086b044bae48ea4e3"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with the criteria established in IAS 29 "Financial Reporting in Hyperinflationary Economies&#8221;, to determine whether an economy has a high inflation rate the country's economic situation is examined, analyzing whether certain circumstances are fulfilled, such as whether the population prefers to keep its wealth or savings in non-monetary assets or in a relatively stable foreign currency, whether prices can be set in that currency, whether interest rates, wages and prices are pegged to a price index or whether the accumulated inflation rate over three years approaches or exceeds 100%. The fact that any of these circumstances is fulfilled will not be a decisive factor in considering an economy hyperinflationary, but it does provide some reasons to consider it as such. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Since 2009 and 2018, the economies of Venezuela and Argentina, respectively, have been considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group&#8217;s entities located in such geographies have, therefore, been adjusted to correct for the effects of inflation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, since the first half of 2022, Turkey's economy was considered highly inflationary according to the aforementioned criteria. Consequently, the financial statements of the BBVA Group entities located in Turkey have also been adjusted to correct them for the effects of inflation in accordance with IAS 29, with retrospective application from January 1, 2022. The figures for years prior to 2022 have not been modified since the Group's presentation currency is the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a consequence of the application of IAS 29, the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographies:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The historical cost of non-monetary assets and liabilities (see Notes 17, 18 and 19), assets contractually linked to changes in prices and various headings in equity are adjusted to reflect changes in the purchasing power of the currency due to inflation from their date of acquisition or inclusion in the consolidated balance sheet, or if this is later, with the limit of its recoverable value. The restatement has been made using the Consumer Price Index.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The different lines of the income statement are adjusted by the inflation index since their inception, with a corresponding entry under the heading "Accumulated other comprehensive income (loss)". </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The loss of the net monetary position, which represents the loss of purchasing power of the entity due to maintaining an excess of monetary assets not linked to inflation (mainly loans, credits and bonds) over monetary liabilities, is recorded in the line "Other operating expense" in the income statement and with a credit to "Accumulated other comprehensive income (loss)".</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-36</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i99300aed04c84b0aae979963a3e0bb9b" continuedAt="i53d3c3368d9a450bb1b42712f47f92f8"><ix:continuation id="ia52c3b7bdaa74a4086b044bae48ea4e3" continuedAt="ib518aad8ed3a4b3498fc5064d3b02dc2"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">All the components of the financial statements of the subsidiaries are converted at the closing exchange rate, recording the conversion differences to the euro within "Accumulated other comprehensive income (loss)" as stated in IAS 21.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Turkey</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The combined result derived from the application of the above criteria amounts to a loss of &#8364;2,711 million in 2022, of which &#8364;1,793 million is attributed to the parent company of the Group. This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;2,323 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement, partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,490 million, given that, under IAS 29, these types of bonds are considered protective assets (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The first application of IAS 29 in the Turkish subsidiaries led to an increase in equity of &#8364;130 million as of January 1, 2022, and is mainly the result of the revaluation of tangible assets and inflation-linked bonds. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to the Turkish Statistical Institute (Turkstat), accumulated inflation in 2022 stood at 64.3% (36.1% in 2021) and the exchange rate used as of December 31, 2022 was 19.96 Turkish lira per euro (in 2021 the exchange rate used was 15.23 Turkish lira per euro). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Argentina</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;1,031 million, of which &#8364;694 million is attributed to the parent company of the Group in 2022 (in 2021 and 2020 this result amounted to &#8364;258 million and &#8364;174 million, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;822 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2022 (in 2021 and 2020 this result amounted to &#8364;394 million and &#8364;244 million, respectively).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, during 2022, 2021 and 2020 the impact on equity of Group entities located in Argentina derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#8364;242 million, &#8364;337 million and &#8364;(188) million, respectively, of which &#8364;157 million, &#8364;225 million and &#8364;(126) million, respectively, have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;84 million, &#8364;112 million and &#8364;(62) million, respectively, within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Accumulated inflation estimated by the National Census Institute of Argentina (Indec) and BBVA Research for the year 2022 was 97.0% (in 2021 and 2020 inflation was 50.7% and 36.5%, respectively) and the exchange rate used as of December 31, 2022 was 188.51 Argentine pesos per euro (in 2021 and 2020 the exchange rate used was 116.37 and 103.25 Argentine pesos per euro, respectively). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Venezuela</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;11 million, of which &#8364;6 million is attributed to the parent company of the Group in 2022 (in 2021 and 2020 this result amounted to &#8364;6 million and &#8364;5 million, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;28 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2022 (in 2021 and 2020 this result amounted to &#8364;14 and &#8364;7 million, respectively).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, 2021 and 2020 the impact on equity of Group entities located in Venezuela derived from the application of hyperinflation (IAS 29) and the conversion to the euro (IAS 21) was not material for the Group.</span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="ib518aad8ed3a4b3498fc5064d3b02dc2">Accumulated inflation for the year 2022, as estimated by BBVA Research, was 292% (in 2021 and 2020 inflation was 333% and 1,887%, respectively) and the exchange rate used as of December 31, 2022 was 19.79 Venezuelan bolivars per euro (in 2021 and 2020 the exchange rate used was 5,367 and 1,355,246.77 Venezuelan bolivars per euro, respectively).</ix:continuation> </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_613"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i53d3c3368d9a450bb1b42712f47f92f8" continuedAt="i83537a9ec1d944f2bc8ccbde57229b92">Recent IFRS pronouncements   </ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"><ix:continuation id="i83537a9ec1d944f2bc8ccbde57229b92" continuedAt="i0db26b45325f4e21a3b09725ec17992b">Standards and interpretations that became effective in 2022</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_616"></div><ix:continuation id="i0db26b45325f4e21a3b09725ec17992b" continuedAt="ie63d92b3bc8f4a6cb92ee579efee33dc"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The following amendments to the IFRS standards or their interpretations (hereinafter &#8220;IFRIC&#8221; or "interpretation") became effective in 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Minor changes to IFRS Standards (IAS 37 Provisions - Onerous contracts, IAS 16 Property, Plant and Equipment and IFRS 3 Business Combinations) and Annual Improvements to IFRS 2018 - 2020 (IFRS 1 - First application of IFRS, IFRS 9 Financial Instruments, IAS 41 Agriculture and modifications to the illustrative examples of IFRS 16 - Leases)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The International Accounting Standards Board (hereinafter "IASB"), has issued minor amendments and improvements to various IFRS to clarify the wording or correct minor consequences, or inconsistencies between the requirements of the Standards as of January 1, 2022. The modified standards are: IAS 37 Provisions, IAS 16 Property, Plant and Equipment, IFRS 3 Business Combinations, IFRS 1 First application of IFRS, IFRS 9 Financial Instruments, IAS 41 Agriculture and IFRS 16 Leases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amendments are effective for annual reporting periods beginning on or after January 1, 2022, with no significant impact on the BBVA Group's consolidated financial statements.</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Standards and interpretations issued but not yet effective as of December 31, 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following new International Financial Reporting Standards and Interpretations or Modifications had been published at the date of preparation of the consolidated financial statements, but are not mandatory as of December 31, 2022. Although in some cases the IASB allows early adoption before their effective date, the BBVA Group has not proceeded with this option for any such new standards.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-37</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ie63d92b3bc8f4a6cb92ee579efee33dc" continuedAt="iece4a5d7125a48bb84f68d34b5813af5"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">IFRS 17 &#8211; Insurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In May 2017, the IASB issued the new accounting standard for insurance contracts, which was later amended with the aim of helping entities in the implementation of the standard and to facilitate the understanding of the financial statements, while maintaining the fundamental principles of the original standard. Accordingly, an entity must apply IFRS 17 for annual reporting periods beginning on or after January 1, 2023 (with at least one year of comparative information, i.e. for the Group, from January 1, 2022).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 17 establishes the accounting principles for insurance contracts. This new standard supersedes IFRS 4, by introducing substantial changes in the accounting of insurance contracts with the aim of achieving greater homogeneity and increasing comparability among entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Unlike IFRS 4, the new standard establishes minimum requirements for grouping insurance contracts for the purposes of their recognition and measurement, determining the units of account by considering three levels: portfolios (contracts subject to similar risks and managed together), annual cohorts and their possibility of becoming onerous.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding the measurement model, the new standard contemplates several methods, being the General Model (Building Block Approach) the method that is applied by default for the valuation of insurance contracts, unless the conditions are given to apply any of the two other methods: the Variable Fee Approach, or the Simplified Model (Premium Allocation Approach).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With the implementation of IFRS 17, the valuation of insurance contracts is based on a model that uses updated assumptions at each balance sheet date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The General Model requires entities to value insurance contracts for the total of: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated with future cash flows, and a risk adjustment for non-financial risk that would represent the compensation required for the uncertainty associated with the amount and timing of the expected cash flows; </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">and the contractual service margin, which represents the expected unearned benefit from the insurance contracts, which will be recognized in the entity&#8217;s income statement as the service is provided in the future, instead of being recognized at the time of the estimation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to IFRS 17, the amounts recognized in the income statement shall be classified into insurance revenue, insurance service expenses and insurance finance income or expenses, which is a relevant change with respect to the disclosures under IFRS 4, as concepts such as volume of premiums and variation in technical provisions would no longer exist. Insurance revenue and insurance service expenses exclude any investment components. The Group has chosen to disaggregate the changes in the risk adjustment between financial and non-financial, so that the change in the value of the risk adjustment derived from the effect of the time value of money, and changes in it, is recorded as a financial result of the insurance. Insurance revenue is recognized over the period the entity provides insurance coverage.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Since 2019, the Group has developed a project to implement IFRS 17 in order to harmonize the criteria in the Group, with the participation of all involved areas and countries. Proper governance has been established in this project, through a Global Steering Committee with representation from the senior management of the affected areas and countries, which periodically reviews its progress. At the local level, each geographical area has defined a local governance structure with the participation of senior management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The project for the implementation of the standard in the Group was carried out during the years 2019, 2020 and 2021 and was focused on the definition of criteria, the actuarial modelling of cash flows and components required by the standard, the data supply, the technological adaptation of the systems, the preparation of accounting information, the governance of the reporting process to the Group and the development of the transition.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, the Group has finished with the tasks mentioned above, as well as the calculation of the transition impact on the consolidated financial statements and the preparation of the pro-forma financial statements under IFRS 17, according to the planning.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the Group has developed an accounting policy on insurance contracts under IFRS 17 that establishes the accounting criteria for the recognition of insurance contracts carried out by Group companies, and an Operational Guide to govern the calculation process, which ensures adequate control in the preparation of the aforementioned financial information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">From the liabilities under insurance contracts held as of the transition date, January 1, 2022, the Group estimates that approximately 89% corresponded to long-term commitments valued using the Building Block Approach. These contracts have been valued in transition using the fair value approach, given the impracticability of applying IFRS 17 retroactively, given the disproportionate cost and difficulty of obtaining the historical data necessary to apply a full retrospective approach given the age of these products on the balance sheet and their remaining duration. Its impact in transition will come mainly from the "interest rate effect", resulting from the valuation of long-term insurance liabilities by the difference between the locked-in rate and the current rate, as the Group has chosen the option to disaggregate the financial income or expense of the insurance between the income statements and accumulated other comprehensive income. This effect will be partly offset by the associated financial assets, in some cases by the elimination of shadow accounting and, in others, by the fair value measurement of certain financial asset portfolios, in order to mitigate accounting asymmetries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Another part of the impact, although to a lesser extent, comes from the different hypotheses used with respect to the calculations under IFRS 4, including its additional components. However, the impact of "onerous" products is estimated to be residual.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-38</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iece4a5d7125a48bb84f68d34b5813af5"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fair value approach contemplates the determination of the Contractual Service Margin or the loss component of the liability for remaining coverage based on the difference between the fair value and the present value of the fulfillment flows. The application of the fair value criterion in transition allows contracts issued more than one year apart to be included in the same group and therefore not to differentiate by cohorts, an option that the Group has followed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding short-term contracts as of January 1, 2022, it is estimated that they represented approximately 11% of the total liabilities covered by the Group's insurance contracts. Those are valued by the Premium Allocation Approach, and in transition following the full retrospective approach, without significant differences in their accounting recognition compared with the previous situation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Lastly, the contracts valued by the Variable Fee Approach in the Group represent a residual amount.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Consequently, the differences in accumulated other comprehensive income and in retained earnings basically come from long-term contracts, although without generating a significant equity impact on the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The methodology used to obtain the discount rate differs by entity and portfolio to which it is applied, highlighting the main geographies, Mexico and Spain, respectively. In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter "IRR") of the entity's asset portfolio converges with the IRR of a reference portfolio from which the EIOPA (European Insurance and Occupational Pensions Authority) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios, eliminating the differential for credit risk through the EIOPA fundamental spread. However, in non-immunized portfolios, the bottom-up approach has been used, using the swap curve as the risk-free curve.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To assess the risk adjustment, in most cases, information on the best estimate liability (BEL) and capital requirements have been used, through a VaR methodology, the risk adjustment has been obtained.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has defined the coverage units in accordance with the requirements of the standard, and made the decision not to change the treatment of accounting estimates made in previous interim closings when applying IFRS 17.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group has not adopted the European exception on annual cohorts in cash-flow matched products.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, based on the analysis carried out up to the date of preparation of these consolidated financial statements, the impact in equity on the consolidated financial statements of the BBVA Group as a result of the entry of IFRS 17 is estimated not to be significant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Amendments to IAS 1 &#8220;Presentation of financial statements&#8221; and IAS 8 &#8220;Accounting policies, changes in accounting estimates and errors"</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In February 2021 the IASB issued amendments to this IAS with the aim of improving the quality of the disclosures in relation to the accounting policies applied by the entities with the ultimate aim of providing useful and material information in the financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amendments to IAS 1 require companies to disclose their material accounting policy information rather than their significant accounting policies and include guidance on how to apply the concept of materiality to accounting policy disclosures. The amendments to IAS 8 also clarify how companies should distinguish changes in accounting policies from changes in accounting estimates. The amendments will be effective for annual reporting periods beginning on or after January 1, 2023. No significant impact is expected on BBVA's consolidated financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Amendment IAS 12 &#8211; Income taxes </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The IASB has issued an amendment to IAS 12 to clarify how deferred taxes arising in transactions that simultaneously give rise to temporary differences in assets and liabilities for the same amount, such as, among others, leases or decommissioning obligations, should be accounted for.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Under the amendments, the initial recognition exemption in IAS 12 from recognizing deferred tax when they recognize assets or liabilities for the first time would not apply to a transaction that at the time of the transaction gives rise to equal and offsetting amounts of taxable and deductible temporary differences. The purpose of the amendments has been to reduce the diversity in the presentation of information on deferred taxes in said transactions. The amendments entered into force on January 1, 2023. No significant impact is expected on BBVA's consolidated financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Amendment to IFRS 16 "Leases"</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">The IASB has issued an amendment to IFRS 16 to clarify certain aspects related with the requirements for sale and leaseback transactions. The new requirements established that the seller-lessee shall determine &#8216;lease payments&#8217; or &#8216;revised lease payments&#8217; in a way that the seller-lessee would not recognize any amount of the gain or loss that relates to the right of use retained by the seller-lessee. The amendments will be effective for annual reporting periods beginning on or after 1 January 2024, with early application permitted. No significant impact is expected on the BBVA Group&#180;s consolidated financial statements.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-39</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_619"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">3.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfBBVAGroupTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90ZXh0cmVnaW9uOjg2MmZmZWJmMWIxYTQwM2JhYjc4NWZmYjcxNjVhYzY0Xzk2_6c9c33bf-13c9-4b7a-927f-6e7dc1a34ff4" continuedAt="i4d5ba9255e204a6badebab30cd372fd3" escape="true">BBVA Group</ix:nonNumeric></span></div><ix:continuation id="i4d5ba9255e204a6badebab30cd372fd3" continuedAt="id66786de1c544860b3995e032e632885"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group is an international diversified financial group with a significant presence in retail banking, wholesale banking and asset management. The Group also operates in the insurance sector.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following information is detailed in the appendices of these consolidated financial statements of the Group for the year ended December 31, 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix I shows relevant information related to the consolidated subsidiaries and structured entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix II shows relevant information related to investments in joint ventures and associates accounted for using the equity method. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix III shows the main changes and notification of investments and divestments in the BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90ZXh0cmVnaW9uOjg2MmZmZWJmMWIxYTQwM2JhYjc4NWZmYjcxNjVhYzY0Xzk3_4c31c134-8b6c-4d8c-a8f3-8c0dcd3e174a" escape="true"><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table sets forth information related to the Group&#8217;s total assets as of December 31, 2022, 2021 and 2020, broken down by the Group&#8217;s entities according to their activity: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.464%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contribution to Consolidated Group total assets. Entities by main activities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking and other financial services</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66ee1b098dde493e8f00989ad3efb0d4_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzItMi0xLTEtNzE0Nzc0_308a23d2-0b11-4006-ae48-8e62f10a9d84">678,788</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide2f5611dca04025ad418a4232f168e3_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzItMy0xLTEtNzE0Nzc0_cd21739e-c728-49f9-a9da-d201ce1426d5">631,683</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53199efe85064e5abb9ad27aec01eba9_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzItNC0xLTEtNzE0Nzc0_dbbff399-3d7e-4bd0-bb40-007938780f89">703,304</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and pension fund managing companies</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47c2ad4a59974ad89a79de0ce22cc6ac_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzMtMi0xLTEtNzE0Nzc0_5e36e23f-75c3-4048-bc8a-6b89ee00a6da">31,136</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa646ae96e22480f88c29b2972cc23c3_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzMtMy0xLTEtNzE0Nzc0_bb30c6b8-ee39-4205-b75d-7c3f1a80ce20">29,657</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie17f60d6b0f14a1abed7ace1c2506b41_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzMtNC0xLTEtNzE0Nzc0_7b58148c-aa23-4c73-b617-bd6c435ebf0a">28,667</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-financial services</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52adc12ed15d48d79124cd7bfe4834dc_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzQtMi0xLTEtNzE0Nzc0_9120c810-a446-4cd4-a3f7-098d7b79906a">3,217</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieeffd098afaa4dd9952dc81b569737c3_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzQtMy0xLTEtNzE0Nzc0_9922986c-7dd5-4105-ab90-9f2661faf4a3">1,545</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5c602f51ff147d5bbf0a05947ca0e81_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzQtNC0xLTEtNzE0Nzc0_0d548684-45a3-4287-97fe-ad950ba7a5e2">1,826</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzUtMi0xLTEtNzE0Nzc0_5a0dbe64-3ae9-4389-8ffc-7d1b36393f42">713,140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzUtMy0xLTEtNzE0Nzc0_c56ef228-a866-450f-a740-43059afb9205">662,885</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MTkvZnJhZzo4NjJmZmViZjFiMWE0MDNiYWI3ODVmZmI3MTY1YWM2NC90YWJsZToxYThkMGE2YzI0NWE0OTA0YWZkY2IxNTRlODZhYzZiNy90YWJsZXJhbmdlOjFhOGQwYTZjMjQ1YTQ5MDRhZmRjYjE1NGU4NmFjNmI3XzUtNC0xLTEtNzE0Nzc0_a73e039c-b1c1-4ad8-a9e9-c2a1c6e114f8">733,797</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The total assets and results of operations broken down by operating segments are included in Note 6.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s activities are mainly located in Spain, Mexico, Turkey and South America, with active presence in the rest of Europe, the United States and Asia:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Spain. The Group&#8217;s activity in Spain is mainly carried out through Banco Bilbao Vizcaya Argentaria, S.A. The Group also has other entities that mainly operate in Spain&#8217;s financial sector, insurance sector and asset management sector.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Mexico. The BBVA Group operates in Mexico, not only in the banking sector, but also in the insurance sector and the asset management sector, through BBVA Mexico.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Turkey. The Group&#8217;s activity in Turkey is mainly carried out through the Garanti BBVA Group in the financial, insurance and asset management sectors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">South America. The BBVA Group&#8217;s activities in South America are mainly focused on the banking, financial and insurance sectors, in the following countries: Argentina, Colombia, Peru, Uruguay, Chile and Venezuela. It has a representative office in Sao Paulo (Brazil) and another one in Santiago (Chile). The Group owns more than 50% of most of the Group entities based in these countries. Appendix I shows entities in respect of which the BBVA Group owns less than 50% as of December 31, 2022 (see Note 2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Rest of Europe. Group's activity in Europe (excluding Spain) is carried out by banking and financial institutions, mainly in Switzerland, the Netherlands and Romania and the BBVA Bank's branches in Germany, Belgium, France, Italy, Portugal and the United Kingdom.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The United States. The Group's activity in the United States is mainly carried out by the branch of Banco Bilbao Vizcaya Argentaria, S.A. in New York, the agency of BBVA Mexico in Houston, participations in technology companies through funds and investment vehicles, the broker-dealer business BBVA Securities Inc., and a representative office in Silicon Valley (California).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Asia. The Group's activity in Asia is conducted through the Bank's branches (Taipei, Tokyo, Hong Kong, Singapore and Shanghai) and representative offices (Beijing, Seoul, Mumbai, Abu Dhabi and Jakarta).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-40</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_622"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="id66786de1c544860b3995e032e632885" continuedAt="i92ba5fba7d284961a1476b9e2f781227"><div style="margin-bottom:10pt;margin-top:20pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant transactions in the Group in 2022 </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Investments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Announcement of the agreement with Neon Payments Limited</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 14, 2022, BBVA announced the agreement with the company Neon Payments Limited (the "Company" in this section) for the subscription of 492,692 preference shares, representing approximately 21.7% of its share capital, through a share capital increase and in consideration of approximately USD 300 million (equal to approximately &#8364;263 million, using the applicable 1.14 EUR/USD exchange rate as of February 11, 2022).  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Company, which is incorporated and domiciled in the United Kingdom, is the owner of 100% of the shares of the Brazilian company Neon Pagamentos S.A. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of February 14, 2022, BBVA was already the indirect owner of approximately 10.2% of the share capital of the Company through companies where BBVA owns more than 99% of the share capital. As of December 31, 2022, BBVA held, directly and indirectly, approximately 29.2% of the share capital of the Company. Despite owning more than 20% of the share capital, BBVA's ability to influence the Company&#180;s financial and operating decisions policies is very limited, so the investment is recognized under the heading "Non-trading financial assets mandatorily at fair value through profit or loss" (see Note 11).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350; (Garanti BBVA)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On November 15, 2021, BBVA announced a voluntary takeover bid (hereinafter "VTB") addressed to the 2,106,300,000 shares</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">9</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> not controlled by BBVA, which represented 50.15% of the total share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350; (hereinafter "Garanti BBVA"). BBVA submitted for authorization an application of the VTB to the supervisor of the securities markets in Turkey (Capital Markets Board, hereinafter "CMB") on November 18, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On March 31, 2022, CMB approved the offer information document and on the same day BBVA announced the commencement of the VTB acceptance period on April 4, 2022. On April 25, 2022 BBVA informed of an increase of the cash offer price per Garanti BBVA share from that initially announced (12.20 Turkish lira) to 15.00 Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On May 18, 2022, BBVA announced the finalization of the offer acceptance period, with the acquisition of 36.12% of Garanti BBVA&#8217;s share capital. The total amount paid by BBVA was approximately 22,758 million Turkish lira (equivalent to approximately &#8364;1,390 million</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">10</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> including the expenses associated with the transaction and net of the collection of the dividends corresponding to the stake acquired).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The transaction resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29, see Note 2.2.19). An amount of &#8364;3,609 million was recorded under the heading &#8220;Other reserves&#8221; and there was a reclassification to &#8220;Accumulated other comprehensive income (loss)&#8221; corresponding to the 36.12% acquired from minority interests to &#8220;Accumulated other comprehensive income (loss)&#8221; of the parent company for an amount of &#8364;-2,685 million. The total derecognition associated with the transaction of the heading &#8220;Minority interests&#8221; considering &#8220;Other items&#8221; and &#8220;Accumulated other comprehensive income (loss)&#8221; amounted to &#8364;-2,541 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The percentage of total share capital of Garanti BBVA owned by BBVA (after the completion of the VTB on May 18) is 85.97%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In relation to the rest of the effects of the application of IAS 29 "Financial Reporting in hyperinflationary economies" on the entities of the Group in Turkey, see Note 2.2.19 to these Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant transactions in the Group in 2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Divestitures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Sale of BBVA&#8217;s U.S. Bancshares, Inc. to PNC Financial Service Group </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On June 1, 2021, after obtaining all the required authorizations, BBVA completed the sale to The PNC Financial Services Group, Inc. of 100% of the capital stock of its subsidiary BBVA USA Bancshares, Inc., which in turn owned all the capital stock of the bank, BBVA USA.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The consideration received in cash by BBVA, as a consequence of the referred sale, amounted to approximately USD 11,500 million (price provided in the agreement minus the agreed closing price adjustments) equivalent to approximately &#8364;9,600 million (with an exchange rate of 1.20 EUR / USD).</span><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accounting of both the results generated by BBVA USA Bancshares, Inc. since the announcement of the transaction and of its closing had an aggregate positive impact on the BBVA Group's Common Equity Tier 1 (fully loaded) ratio of approximately 294 basis points, which includes the generation of capital contributed by the subsidiary to the Group until the closing of the transaction (on June 1, 2021) and a profit net of taxes of &#8364;582 million. The calculation of the impact on Common Equity Tier 1 was made taking into account the amount of the transaction in euros and BBVA Group's financial statements as of June 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group continues to develop the institutional and wholesale business in the United States that it currently carries out through its broker-dealer BBVA Securities Inc. and its branch in New York. BBVA also maintains its investment activity in the fintech sector through its participation in Propel Venture Partners US Fund I, L.P.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Note 21 to these Consolidated Financial Statements shows a breakdown of the financial information of the companies sold in the United States as of December 31, 2021 and 2020 and their results for the first five months of 2021 and the year ended December 31, 2020.</span></div></ix:continuation><div style="border-bottom:1pt solid black;margin-bottom:5pt;margin-top:10pt;width:150pt"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">9</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">All references to &#8220;shares&#8221; or &#8220;share&#8221; shall be deemed made to lots of 100 shares, which is the trading unit in which Garanti BBVA shares are listed at Borsa Istanbul.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">10</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">Using the effective exchange rate of 16.14 Turkish lira per euro.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-41</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i92ba5fba7d284961a1476b9e2f781227"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Sale of the BBVA Group's stake in Paraguay</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On January 22, 2021, once the mandatory authorizations were obtained, BBVA completed the sale of its direct and indirect shareholding of 100% of the capital stock of Banco Bilbao Vizcaya Argentaria Paraguay, S.A. (&#8220;BBVA Paraguay&#8221;) to Banco GNB Paraguay S.A., a subsidiary of the Gilinski Group. This transaction was originally agreed in 2019. The total amount received by BBVA amounted to approximately USD 250 million (approximately &#8364;210 million). The transaction generated a capital loss net of taxes of approximately &#8364;9 million. This transaction had a positive impact on the Common Equity Tier 1 (fully loaded) of the BBVA Group of approximately 6 basis points, which is reflected in the capital base of the BBVA Group in the fiscal year 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant transactions in the Group in 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Divestitures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Alliance with Allianz,</span><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"> Compa&#241;&#237;a de Seguros y Reaseguros, S.A</span><span style="color:#009ee5;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On April 27, 2020, BBVA reached an agreement with Allianz,</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"> Compa&#241;&#237;a de Seguros y Reaseguros, S.A. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">to create a bancassurance joint venture in order to develop the non-life insurance business in Spain, excluding the health insurance line of the business.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On December 14, 2020, once the required authorizations had been obtained, BBVA completed the operation and announced the transfer to Allianz, </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> of half plus one share of the company BBVA Allianz </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Seguros y Reaseguros, S.A.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">, for which it received &#8364;274 million, without taking into account a variable part of the price (up to &#8364;100 million depending on certain objectives and planned milestones). This operation resulted in a profit net of taxes of &#8364;304 million and a positive impact on the fully loaded CET1 of the BBVA Group of 7 basis points, recorded in the Consolidated Financial Statements for the year ended December 31, 2020.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_625"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">4.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfShareholderRemunerationSystemTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjUvZnJhZzpiMmRmOTljOWZjYTE0NWQzYTVlMWY0YmMzMmY2ZjJlOS90ZXh0cmVnaW9uOmIyZGY5OWM5ZmNhMTQ1ZDNhNWUxZjRiYzMyZjZmMmU5XzI5NA_c0596fd8-d568-4d07-a869-6082faa34aa5" continuedAt="i4810db650a1e4b2e9f5c2b093c140ccd" escape="true">Shareholder remuneration system</ix:nonNumeric></span></div><ix:continuation id="i4810db650a1e4b2e9f5c2b093c140ccd" continuedAt="if397dc88bf574b4b8b31627498bf5464"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">European Central Bank (ECB) recommendations for 2020 </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend distributions during the COVID-19 pandemic, the Board of Directors of BBVA resolved to modify for the financial year corresponding to 2020 the dividend policy of the Group, announced on February 1, 2017 by means of Relevant Information number 247679, determining as the policy for 2020 not to pay any dividend amount corresponding to 2020 until the uncertainties caused by COVID-19 disappear and, in any case, not before the end of such fiscal year. On July 27, 2020, the ECB prolonged this recommendation until January 1, 2021 by adopting recommendation ECB/2020/35. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On December 15, 2020 the ECB issued recommendation ECB/2020/62, repealing recommendation ECB/2020/35 and recommending that significant credit institutions exercise extreme prudence when deciding on or paying out dividends or performing share buy-backs aimed at remunerating shareholders.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Shareholder remuneration during financial year 2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Cash distributions</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA notified on January 29, 2021, by means of an Inside Information filing with the CNMV (hereinafter, &#8220;Inside Information&#8221;), that it intended to resume its shareholder remuneration policy announced on February 1, 2017, by means of Relevant Information number 247679 in 2021, contingent upon the repealing of recommendation ECB/2020/62 and the absence of further restrictions or limitations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Annual General Shareholders' Meeting held on April 20, 2021 approved, in the third item of its agenda, a cash distribution from the share premium account of BBVA of &#8364;0.059 gross for each of the Bank's outstanding shares which are entitled to participate in the aforementioned distribution, all this in compliance with recommendation ECB/2020/62 on dividend payments during the COVID-19 pandemic, which was paid on April 29, 2021. The total amount was &#8364;393 million and was recognized under the heading &#8220;Total Equity &#8211; Shareholder's Funds &#8211; Share Premium&#8221; of the consolidated balance sheet as of December 31, 2021 (see Note 27).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On July 23, 2021, the ECB published the approval of recommendation ECB/2021/31 repealing recommendation ECB/2020/62 from September 30, 2021, whereby the ECB indicated that it would assess capital, dividend distribution and share buyback plans of each financial institution in the context of its ordinary supervisory process, eliminating the remaining restrictions on dividend and share buyback related matters established in recommendation ECB/2020/62.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In line with the above, BBVA communicated by means of an Inside Information on September 30, 2021 that the Board of Directors of BBVA had approved the payment of a cash interim dividend of &#8364;0.08 gross (&#8364;0.0648 net of withholding tax) per each outstanding BBVA share on account of the 2021 dividend. The total amount paid to shareholders on October 12, 2021, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;532 million and is recognized under the heading "Shareholder&#8217;s funds - Total equity- Interim dividends" of the consolidated balance sheet as of December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Amendment of Shareholder Remuneration Policy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's Board of Directors announced, on November 18, 2021, the amendment of the Group's shareholder remuneration policy (announced on February 1, 2017 by means of Relevant Information number 247679), establishing as a policy to distribute annually between 40% and 50% of the consolidated ordinary profit for each year (excluding amounts and items of an extraordinary nature included in the consolidated income statement), compared to the previous policy that established a distribution between 35% and 40%. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-42</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="if397dc88bf574b4b8b31627498bf5464" continuedAt="i12dcd111b04e48efb0c368f982cc17ea"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This policy is implemented through the distribution of an interim dividend for the year (which is expected to be paid in October of each year) and a final dividend or final distribution (which is expected to be paid at the end of the year and once the application of the result is approved, foreseeably in April of each year), with the possibility of combining cash distributions with share buybacks (the execution of the share buyback program scheme described below is considered as extraordinary shareholder remuneration and is therefore not included in the scope of the policy), all subject to the corresponding authorizations and approvals applicable at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Shareholder remuneration during financial year 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Cash distributions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the 2022 financial year, the Annual General Shareholders' Meeting and the Board of Directors approved the payment of the following cash amounts: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The Annual General Meeting of BBVA held on March 18, 2022, approved, under item 2 of the Agenda, a cash distribution from the voluntary reserves account as additional shareholder remuneration for the 2021 fiscal year, for an amount equal to &#8364;0.23 (&#8364;0.1863 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 8, 2022. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,463 million. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The Board of Directors communicated by means of an Inside Information on September 29, 2022 that the Board of Directors of BBVA approved the payment of a cash interim dividend of &#8364;0.12 (&#8364;0.0972 net of withholding tax) per outstanding BBVA share against 2022 results. The total amount paid to shareholders on October 11, 2022, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;722 million and is recognized under the heading &#8220;Total Equity- Interim Dividends&#8221; of the consolidated balance sheet as of December 31, 2022.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AvailableAmountForInterimDividendPaymentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjUvZnJhZzpiMmRmOTljOWZjYTE0NWQzYTVlMWY0YmMzMmY2ZjJlOS90ZXh0cmVnaW9uOmIyZGY5OWM5ZmNhMTQ1ZDNhNWUxZjRiYzMyZjZmMmU5XzI5NQ_afdb09e2-dca2-419c-a340-bb60dc5398ae" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The forecasted financial statement, drawn up in compliance with the applicable legal requirements, which evidenced the existence of sufficient liquidity to distribute the abovementioned amount approved by the Board of Directors of BBVA on September 28, 2022 was the following: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:81.589%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.211%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Available amount for interim dividend payments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">August 31, 2022</span></td></tr><tr><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit of BBVA, S.A., after the provision for income tax</span></td><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54a8371104784e89b3ee264022ccf488_I20210831" decimals="-6" name="bbva:ProfitOfBBVAAfterTheProvisionForIncomeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjUvZnJhZzpiMmRmOTljOWZjYTE0NWQzYTVlMWY0YmMzMmY2ZjJlOS90YWJsZToxNzgwYTAzNTlkMzE0YzcyYWVmYmQ2Y2VjOGJiZjg0OC90YWJsZXJhbmdlOjE3ODBhMDM1OWQzMTRjNzJhZWZiZDZjZWM4YmJmODQ4XzItMS0xLTEtNzE0Nzc0_f799925f-e490-4d1e-b4fe-2e8e694f5fdc">2,828</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt dotted #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maximum amount distributable</span></td><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt dotted #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54a8371104784e89b3ee264022ccf488_I20210831" decimals="-6" name="bbva:MaximumAmountDistributable" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjUvZnJhZzpiMmRmOTljOWZjYTE0NWQzYTVlMWY0YmMzMmY2ZjJlOS90YWJsZToxNzgwYTAzNTlkMzE0YzcyYWVmYmQ2Y2VjOGJiZjg0OC90YWJsZXJhbmdlOjE3ODBhMDM1OWQzMTRjNzJhZWZiZDZjZWM4YmJmODQ4XzQtMS0xLTEtNzE0Nzc0_548f42cf-46e9-45f4-be45-a6d71358da09">2,828</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of proposed interim dividend</span></td><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54a8371104784e89b3ee264022ccf488_I20210831" decimals="-6" name="bbva:AmountOfProposedInterimDividend" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjUvZnJhZzpiMmRmOTljOWZjYTE0NWQzYTVlMWY0YmMzMmY2ZjJlOS90YWJsZToxNzgwYTAzNTlkMzE0YzcyYWVmYmQ2Y2VjOGJiZjg0OC90YWJsZXJhbmdlOjE3ODBhMDM1OWQzMTRjNzJhZWZiZDZjZWM4YmJmODQ4XzUtMS0xLTEtNzE0Nzc0_5cf32410-81c5-4928-959d-8973fe7c4216">724</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #072146;border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA cash balance available to the date</span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54a8371104784e89b3ee264022ccf488_I20210831" decimals="-6" name="bbva:BBVACashBalanceAvailableToTheDate" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjUvZnJhZzpiMmRmOTljOWZjYTE0NWQzYTVlMWY0YmMzMmY2ZjJlOS90YWJsZToxNzgwYTAzNTlkMzE0YzcyYWVmYmQ2Y2VjOGJiZjg0OC90YWJsZXJhbmdlOjE3ODBhMDM1OWQzMTRjNzJhZWZiZDZjZWM4YmJmODQ4XzYtMS0xLTEtNzE0Nzc0_b19e7069-4f6e-4a23-b1e2-848295483b29">46,768</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Other shareholder remuneration</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 1, 2023, it was announced that a cash distribution in the amount of &#8364;0.31 gross per share to be paid in April as a final dividend for the year 2022 and the execution of a share buyback program of BBVA for an amount of &#8364;422 million were planned to be proposed to the corresponding corporate bodies for consideration, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Share buyback program</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On October 26, 2021, BBVA obtained the pertinent authorization from the ECB to buy back up to 10% of its share capital for a maximum of &#8364;3,500 million, in one or several tranches and over the course of a 12-month period (the &#8220;Authorization&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Upon receiving the Authorization and making use of the delegation conferred by the BBVA Annual General Meeting held on March 16, 2018, at its meeting of October 28, 2021, BBVA Board of Directors resolved to carry out a share buyback program scheme in compliance with Regulation (EU) no. 596/2014 of the European Parliament and the Council of April 16, 2014 on market abuse and Delegate Regulation (EU) no. 2016/1052 of the Commission, of March 8, 2016, executed in various tranches up to a maximum of &#8364;3,500 million, with the aim of reducing BBVA's share capital (the &#8220;Program Scheme&#8221;), notwithstanding the possibility of terminating or cancelling the Program Scheme at an earlier date where advisable due to the concurrence of a series of specific circumstances, as well as to carry out a first share buyback program within the scope of the Program Scheme (the "First Tranche") for the purpose of reducing BBVA's share capital, which was notified by means of Inside Information on October 29, 2021. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On November 19, 2021, BBVA notified by means of Inside Information that the First Tranche would be executed externally, starting on November 22, 2021, through J.P. Morgan AG as lead manager, for a maximum amount of &#8364;1,500 million, for the purchase of a maximum of 637,770,016 shares representing, approximately, 9.6% of BBVA's share capital. By means of Other Relevant Information filing dated March 3, 2022, BBVA announced the completion of the execution of the First Tranche upon reaching the maximum monetary amount of &#8364;1,500 million, having acquired 281,218,710 own shares representing, approximately, 4.22% of BBVA's share capital as of that date. On June 15, 2022, BBVA notified the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on 18 March 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Tranche and which were held in treasury shares (see Notes 26, 27 and 29).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-43</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i12dcd111b04e48efb0c368f982cc17ea" continuedAt="i4574843bdff541d895c00dcfcd6099d3"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 3, 2022, BBVA notified by means of Inside Information that its Board of Directors had agreed, within the scope of the Program Scheme, to carry out a second buyback program for the repurchase of own shares (the &#8220;Second Tranche&#8221;) aimed at reducing BBVA&#8217;s share capital, for a maximum amount of &#8364;2,000 million and a maximum number of shares to be acquired equal to the result of subtracting from 637,770,016 own shares (9.6% of BBVA&#8217;s share capital at that date) the number of own shares finally acquired in execution of the First Tranche. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a continuation of the previous communication, on March 16, 2022 BBVA informed by means of Inside Information that it had agreed to execute the Second Tranche: i) through the execution of a first segment for an amount of up to &#8364;1,000 million, and with a maximum number of shares to be acquired of 356,551,306 shares (the "First Segment"), externally through Goldman Sachs International as lead manager, who would execute the purchase transactions through the broker Kepler Cheuvreux, S.A.; and (ii) once execution of the First Segment had been completed, through the execution of a second segment that would complete the Framework Program (the "Second Segment").</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">By means of Other Relevant Information dated May 16, 2022, BBVA announced the completion of the execution of the First Segment upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 206,554,498 shares representing, approximately, 3.1% of BBVA's share capital as of said date.</span></div><div style="margin-bottom:15pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On June 28, 2022, BBVA communicated through Inside Information the agreement to complete the Program Scheme by executing the Second Segment, for a maximum amount of &#8364;1,000 million and a maximum number of own shares to be acquired of 149,996,808. The execution of the Second Segment took place through Citigroup Global Markets Europe AG as lead manager, as BBVA informed through Inside Information on June 29, 2022. By means of Other Relevant Information dated August 19, 2022, BBVA announced the completion of the execution of the Second Segment upon reaching the maximum number of shares (149,996,808) representing, approximately, 2.3% of BBVA's share capital as of said date (which amounted to approximately &#8364;660 million). On September 30, 2022, BBVA notified through Other Relevant Information an additional partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Segment and Second Segment of the share buyback program scheme and which were held in treasury shares (see Notes 26, 27 and 29).</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_628"></div><ix:continuation id="i4574843bdff541d895c00dcfcd6099d3"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AllocationOfEarningsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjgvZnJhZzpkYmQ4ZGU2MTExNmQ0NDEwOGFhZGFiNTQ0NzA1NWI3Mi90ZXh0cmVnaW9uOmRiZDhkZTYxMTE2ZDQ0MTA4YWFkYWI1NDQ3MDU1YjcyXzY4_4cce6a6d-1bb8-4c62-895b-7801757143c7" escape="true"><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Proposal on allocation of earnings of BBVA, S.A.  for 2022</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below is included a breakdown of the distribution of the Bank&#180;s earnings for financial year 2022, which the Board of Directors will submit to the Annual General Meeting for approval. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:80.410%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.390%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Allocation of earnings (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit (loss) for the year</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ProfitOrLossForTheYearAllocationOfEarnings" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjgvZnJhZzpkYmQ4ZGU2MTExNmQ0NDEwOGFhZGFiNTQ0NzA1NWI3Mi90YWJsZToxMmVhYTIwZmU0MjM0ZjZiYTM2OWFmNzdjZGZmNzU5ZC90YWJsZXJhbmdlOjEyZWFhMjBmZTQyMzRmNmJhMzY5YWY3N2NkZmY3NTlkXzItMS0xLTEtMTQ4MjkzNA_bd718cb0-3a5e-4f08-af73-ce4165f9f795">4,816</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Distribution</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" xsi:nil="true" name="bbva:DistributionOfResults" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjgvZnJhZzpkYmQ4ZGU2MTExNmQ0NDEwOGFhZGFiNTQ0NzA1NWI3Mi90YWJsZToxMmVhYTIwZmU0MjM0ZjZiYTM2OWFmNzdjZGZmNzU5ZC90YWJsZXJhbmdlOjEyZWFhMjBmZTQyMzRmNmJhMzY5YWY3N2NkZmY3NTlkXzMtMS0xLTEtMTQ4MjkzNA_18b24c65-b94a-42c7-85be-82b41183e76d"></ix:nonFraction></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interim dividends</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:InterimDividendsApplicationOfResults" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjgvZnJhZzpkYmQ4ZGU2MTExNmQ0NDEwOGFhZGFiNTQ0NzA1NWI3Mi90YWJsZToxMmVhYTIwZmU0MjM0ZjZiYTM2OWFmNzdjZGZmNzU5ZC90YWJsZXJhbmdlOjEyZWFhMjBmZTQyMzRmNmJhMzY5YWY3N2NkZmY3NTlkXzQtMS0xLTEtMTQ4MjkzNA_e485a22a-78a3-4657-9c3a-2620de4d218d">724</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final dividend</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DividendPayables" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjgvZnJhZzpkYmQ4ZGU2MTExNmQ0NDEwOGFhZGFiNTQ0NzA1NWI3Mi90YWJsZToxMmVhYTIwZmU0MjM0ZjZiYTM2OWFmNzdjZGZmNzU5ZC90YWJsZXJhbmdlOjEyZWFhMjBmZTQyMzRmNmJhMzY5YWY3N2NkZmY3NTlkXzUtMS0xLTEtMTQ4MjkzNA_f72a18d5-67f2-4555-8118-d32cca3df4b3">1,869</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reserves / Accumulated gains</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ReservesAcumulatedGains" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MjgvZnJhZzpkYmQ4ZGU2MTExNmQ0NDEwOGFhZGFiNTQ0NzA1NWI3Mi90YWJsZToxMmVhYTIwZmU0MjM0ZjZiYTM2OWFmNzdjZGZmNzU5ZC90YWJsZXJhbmdlOjEyZWFhMjBmZTQyMzRmNmJhMzY5YWY3N2NkZmY3NTlkXzctMS0xLTEtMTQ4MjkzNA_d3b0889b-9b82-49e4-9b4a-2e41669244ab">2,223</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-44</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_631"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">5.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfEarningsPerShareExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90ZXh0cmVnaW9uOmE5MjA3M2I2NGIzMzQ3NzRiNTg0MTJhZTRhMTY4YjFkXzg1NA_7aa2f2c1-92f0-44ca-b430-827d598fc298" continuedAt="i1ce49580d6bb428dba3ee7a02755828b" escape="true">Earnings per share</ix:nonNumeric></span></div><ix:continuation id="i1ce49580d6bb428dba3ee7a02755828b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Basic and diluted earnings per share are calculated in accordance with the criteria established by IAS 33 "Earnings per share". For more information see Glossary.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:BasicAndDilutedEarningsPerShareTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90ZXh0cmVnaW9uOmE5MjA3M2I2NGIzMzQ3NzRiNTg0MTJhZTRhMTY4YjFkXzg1NQ_c8ebbb50-bbdb-4729-8ec6-899627b9f4b7" continuedAt="ia315ad7fc003462093574441e01626c6" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The calculation of earnings per share is as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:66.080%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.842%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Basic and Diluted Earnings per Share</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Numerator for basic and diluted earnings per share (millions of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzMtMS0xLTEtNzE0Nzc0_6924c3ff-6ae8-4ccc-9e85-225cadf2af82">6,420</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzMtMi0xLTEtNzE0Nzc0_47ab8235-4a3f-45da-9b4a-9155a7dac7d5">4,653</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzMtMy0xLTEtNzE0Nzc0_077c1108-8c66-4d0c-9a5b-14d308caf3ef">1,305</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment: Additional Tier 1 securities </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:AdjustmentAdditionalTier1Securities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzQtMS0xLTEtNzE0Nzc0_17b6eb97-8a2f-49a3-9de2-98692bd31e89">313</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:AdjustmentAdditionalTier1Securities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzQtMi0xLTEtNzE0Nzc0_2ec4d2cf-6b8e-409d-8613-b5b4b9bda4c1">359</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:AdjustmentAdditionalTier1Securities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzQtMy0xLTEtNzE0Nzc0_c234463e-b61a-4e68-b780-4f83cf2ad3d9">387</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit adjusted (millions of euros) (A)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ProfitAdjusted" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzUtMS0xLTEtNzE0Nzc0_5747d97e-3bbc-4d24-92fe-02b85a27a892">6,107</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ProfitAdjusted" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzUtMi0xLTEtNzE0Nzc0_0d1d27e8-1e2b-4d6e-af2a-ac88c0ca9dfe">4,293</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ProfitAdjusted" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzUtMy0xLTEtNzE0Nzc0_379e634d-0c90-408d-8ae6-f6ed37ef1a94">917</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit (loss) from continued operations (net of remuneration of Additional Tier 1 capital instruments)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzYtMS0xLTEtNzE0Nzc0_1703f725-f829-4e6f-9800-87f5261802af">6,107</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzYtMi0xLTEtNzE0Nzc0_cc31ff62-7291-4d12-82c6-0e776144ddf0">4,014</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzYtMy0xLTEtNzE0Nzc0_cdc1a68b-e229-43a2-ba9e-c826d7c562f9">2,646</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit (loss) from discontinued operations (net of non-controlling interest) (B) (See Note 21)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzctMS0xLTEtNzE0Nzc0_a77b941f-a581-4be1-9093-2399804f37bf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzctMi0xLTEtNzE0Nzc0_6633733d-9dcf-4c03-b8c3-3709118f9cc6">280</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzctMy0xLTEtNzE0Nzc0_4a24d201-bd5f-45b7-8e3a-f9a48baed9e4">1,729</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Denominator for basic earnings per share (number of shares outstanding)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average number of shares outstanding </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:WeightedAverageNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzktMS0xLTEtNzE0Nzc0_bc49db32-935f-4d5f-8619-13d05ceffb7b">6,424</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:WeightedAverageNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzktMi0xLTEtNzE0Nzc0_60c9be68-d282-42e9-87eb-197cfc76e31c">6,668</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:WeightedAverageNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzktMy0xLTEtNzE0Nzc0_938ed141-a18c-45a7-be33-d8a7b9b93725">6,668</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average treasury shares</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:AverageTreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEwLTEtMS0xLTcxNDc3NA_213c44ce-6666-4d75-8070-8d0f2f0489ef">9</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:AverageTreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEwLTItMS0xLTcxNDc3NA_7c48c197-5544-492a-b99c-267cb0fd5982">12</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:AverageTreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEwLTMtMS0xLTcxNDc3NA_0eb91c26-7276-4b8c-a493-f76e99af2904">13</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share buyback program </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ShareBuybackProgram" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzExLTEtMS0xLTcxNDc3NA_e7062f73-c6fe-4bb7-937c-cff029f8bc73">225</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ShareBuybackProgram" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzExLTItMS0xLTcxNDc3NA_a1186239-aa83-40ae-afcc-d2e6c6407f01">255</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ShareBuybackProgram" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzExLTMtMS0xLTcxNDc3NA_e5488fbe-674c-447f-8f49-6c3cc4ea3e7c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjusted number of shares - Basic earnings per share (C)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AdjustedNumberOfSharesBasicEarningsPerShareC" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEyLTEtMS0xLTcxNDc3NA_d106ee18-9e71-4aa8-8927-75d546d0b22b">6,189</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AdjustedNumberOfSharesBasicEarningsPerShareC" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEyLTItMS0xLTcxNDc3NA_5188df23-0e44-4aac-a6b4-64f0dddbc8e2">6,401</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AdjustedNumberOfSharesBasicEarningsPerShareC" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEyLTMtMS0xLTcxNDc3NA_0916a872-87d1-49ac-b500-b1e5e45e73dc">6,655</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjusted number of shares - diluted earnings per share (D)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEzLTEtMS0xLTcxNDc3NA_9345751e-d1b3-4777-975b-2016f1baf3a8">6,189</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEzLTItMS0xLTcxNDc3NA_72508ae8-9f5d-4d30-951f-47edcce3a8dd">6,401</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzEzLTMtMS0xLTcxNDc3NA_9b070f70-0412-46f0-a95e-7f8b55a9a920">6,655</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Earnings (losses) per share </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE0LTEtMS0xLTcxNDc3NA_071c8f42-c3e2-442c-ae4f-121ca8bb1364">0.99</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE0LTItMS0xLTcxNDc3NA_4f8130dd-92d6-418d-b223-3bb3f908139a">0.67</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE0LTMtMS0xLTcxNDc3NA_e0f8dc27-e40c-4f1b-b942-204567434a8a">0.14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings (losses) per share from continuing operations (Euros per share) A-B/C</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE1LTEtMS0xLTcxNDc3NA_31ca0922-8f24-4628-a19a-1557ed2b93bb">0.99</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE1LTItMS0xLTcxNDc3NA_b9faef4d-42e0-42c4-8f59-8f6d21879445">0.63</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE1LTMtMS0xLTcxNDc3NA_5becc5ea-95aa-45e1-8315-cbd4f5beb34d">0.40</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted earnings (losses) per share from continuing operations (Euros per share) A-B/D</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE2LTEtMS0xLTcxNDc3NA_f94540ef-52e7-448c-a6e3-d74c1fc476fe">0.99</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE2LTItMS0xLTcxNDc3NA_4d507f22-67ce-4cd5-8759-ebdeb86283f2">0.63</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE2LTMtMS0xLTcxNDc3NA_539ed81e-8036-4b64-977f-3582dd0e9b71">0.40</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings (losses) per share from discontinued operations (Euros per share) B/C</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE3LTEtMS0xLTcxNDc3NA_5afea6bc-4adc-4bb2-834b-56f47dec99c7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE3LTItMS0xLTcxNDc3NA_d2cb6e31-aa93-46ca-8598-dfe550d5b285">0.04</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" sign="-" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE3LTMtMS0xLTcxNDc3NA_4443d484-8c0f-412a-a317-a766a06533f5">0.26</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted earnings (losses) per share from discontinued operations (Euros per share) B/D</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE4LTEtMS0xLTcxNDc3NA_213d6ac9-2ec8-4dee-be45-c5988ce3b9ca">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE4LTItMS0xLTcxNDc3NA_ad223ca6-9c15-40de-ad66-6b69f7502aaf">0.04</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eurPerShare" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" sign="-" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90YWJsZTozMzI3Zjc0NTU2MDI0NDM3OWZlZDc1MmQ2ZDQxMjRhMC90YWJsZXJhbmdlOjMzMjdmNzQ1NTYwMjQ0Mzc5ZmVkNzUyZDZkNDEyNGEwXzE4LTMtMS0xLTcxNDc3NA_8483905d-eb76-4588-856a-7019c23291d2">0.26</ix:nonFraction>)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90ZXh0cmVnaW9uOmE5MjA3M2I2NGIzMzQ3NzRiNTg0MTJhZTRhMTY4YjFkXzU3MTc0NjA0NjQ3MTY3_eef3e4d1-8d95-4a47-a629-6434f6ad229a" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Remuneration in the year related to contingent convertible securities, recognized in equity (see Note 22.4).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzEvZnJhZzphOTIwNzNiNjRiMzM0Nzc0YjU4NDEyYWU0YTE2OGIxZC90ZXh0cmVnaW9uOmE5MjA3M2I2NGIzMzQ3NzRiNTg0MTJhZTRhMTY4YjFkXzU3MTc0NjA0NjUwMjAx_855bca37-b080-4998-91ab-618381c6a97f" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="ia315ad7fc003462093574441e01626c6">(2) On August 19, 2022, BBVA announced the completion of the execution of the share buyback program. In order to calculate the attributable earnings per share in 2022, it includes the average number of shares taking into account the two redemptions of shares which took place in 2022. In the year ended December 31, 2021, it takes into account 112 million shares acquired under the shares buyback program and the estimated number of shares pending to be acquired under the first tranche of the share buyback program as of December 31, 2021 (see Note 4).</ix:continuation> </ix:footnote></span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">As of December 31, 2022, 2021 and 2020, there were no other financial instruments or share option commitments to employees that could potentially affect the calculation of the diluted earnings per share for the years presented. For this reason, basic and diluted earnings per share are the same.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-45</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_634"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">6.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfOperatingSegmentsExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90ZXh0cmVnaW9uOjVkMmRiM2UwNDljMTRiYTNiN2MzNTgxY2MyYTlkZWFhXzI1MA_9976aec2-3cea-4464-bccc-4338c630e57d" continuedAt="i30605e9a8c234f4f94465153a7a38cf8" escape="true">Operating segment reporting </ix:nonNumeric></span></div><ix:continuation id="i30605e9a8c234f4f94465153a7a38cf8" continuedAt="i63cb7dcf48054f6e93817ec9752d0a2a"><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating segment reporting represents a basic tool in the oversight and management of the BBVA Group&#8217;s various activities. The BBVA Group compiles reporting information on disaggregated business activities. These business activities are then aggregated in accordance with the organizational structure determined by the BBVA Group and, ultimately, into the reportable operating segments themselves. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the structure of the information by operating segments reported by the BBVA Group remains the same as that as of the closing of the 2021 financial year.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The BBVA Group's areas or operating segments are summarized below: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Spain includes mainly the banking, insurance and asset management business that the Group carries out in Spain, including the proportional share of results of the new company that emerged from the bancassurance agreement reached with Allianz at the end of 2020 (see Note 3).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Mexico includes the banking, insurance and asset management business in this country as well as the activity that BBVA Mexico carries out through its agency in Houston. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Turkey reports the activity of the Garanti BBVA group that is mainly carried out in this country and, to a lesser extent, in Romania and the Netherlands. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">South America includes the banking, finance, insurance and asset management business carried out mainly in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Rest of Business mainly includes the wholesale activity carried out in Europe (excluding Spain), the United States and (through BBVA branches located therein) Asia.</span></div><div style="margin-bottom:14pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Corporate Center performs centralized Group functions, including: the costs of the head offices with a corporate function, management of structural exchange rate positions; portfolios whose management is not linked to customer relationships, such as financial and industrial holdings; stakes in Funds &amp; Investment Vehicles in tech companies; certain tax assets and liabilities; funds for employee commitments; goodwill and other intangible assets, as well as the financing of such portfolios and assets. Additionally, the results obtained by the Group's businesses in the United States until the sale to PNC on June 1, 2021 (see Note 21), are presented in a single line under the heading "Profit (loss) after tax from discontinued operations" in the condensed consolidated income statement of the Corporate Center. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, the costs related to the Banco Bilbao Vizcaya Argentaria, S.A. collective layoff procedure and closing of the offices carried out in Spain in 2021, recorded in the lines "Provisions", "Provisions or reversal of provisions", "Impairment or reversal of impairment on non-financial assets" and "Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations", respectively (see Notes 24, 46, 49 and 50).</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TotalGroupAssetsByOperatingSegmentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90ZXh0cmVnaW9uOjVkMmRiM2UwNDljMTRiYTNiN2MzNTgxY2MyYTlkZWFhXzI1Mg_f5acb6eb-1eb5-4b2f-bd6b-5334b1809470" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the BBVA Group&#8217;s total assets by operating segments as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.675%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.309%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Group assets by operating segments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33be5215e2af4dc4be0b5852415dfa9a_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzItMS0xLTEtNzE0Nzc0_cb09a5b3-f9ff-4834-bf19-7e28e3e260e1">427,193</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3669c3f7059a4c6eb81bb177a34a1146_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzItMi0xLTEtNzE0Nzc0_343add9c-7d8a-4d50-9ce2-4782a8ee6622">413,477</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3a1f939aa1d48d2a40ac1ee0971abbe_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzItMy0xLTEtNzE0Nzc0_714e979d-0af7-4355-a1c4-dbda616fe15c">408,030</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0bf3237b4ac4454d9e74a06e8bf16ef9_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzMtMS0xLTEtNzE0Nzc0_1cebf3aa-d8fd-4e8c-9254-cf51a5ffd0f8">143,405</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a0f8267b3dc4a878c27c335e34e25ec_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzMtMi0xLTEtNzE0Nzc0_24e74845-c096-482b-96e2-9d3c177c6925">118,106</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id40cbe8587b147678fa2de7d0b4b43dc_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzMtMy0xLTEtNzE0Nzc0_82bb0dc2-2ecc-47f7-b821-28ac1e0751b3">110,236</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb4ba156075d49a6b3309826e04c476f_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzQtMS0xLTEtNzE0Nzc0_13c23c97-9088-48e5-8737-bfe49005020e">66,043</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6d459b56d43490eba44bf738d0fb385_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzQtMi0xLTEtNzE0Nzc0_193fdb11-32df-4b0b-b3f0-f14b5f7895d0">56,245</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b1c6b1e39e74e6a8bbad00bd0ac45c9_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzQtMy0xLTEtNzE0Nzc0_b35ba180-7236-43a2-aa8f-6c3ed41b5edd">59,585</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34c3830cb67e41678749b56df2ff620a_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzUtMS0xLTEtNzE0Nzc0_ec41cf15-0282-4469-855c-a0561a8dd60f">62,067</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58e268be473346a497faad45c1000ef6_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzUtMi0xLTEtNzE0Nzc0_ba671817-c651-4ac7-a6e7-62c41c212392">56,124</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4da272d15116456e872e4c8be6506e02_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzUtMy0xLTEtNzE0Nzc0_4da6fde5-cdfd-4328-be86-5ffede1b9a1b">55,436</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Business</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4dad6c2af5f47d7ab9fa5bf124da5f1_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzYtMS0xLTEtNzE0Nzc0_b32c54af-604a-400a-bb43-76f95158ce54">49,952</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7e146c1c351467a8237eaa73c71194b_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzYtMi0xLTEtNzE0Nzc0_248cc12c-8928-4ab8-bd27-3e3c669bbfcd">40,314</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31970d0688c4463391ba14fab89fb1d7_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzYtMy0xLTEtNzE0Nzc0_c70e6e5e-6fab-4764-8c1f-ed66f13030a6">35,172</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal assets by operating segments</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8dea22bb12c48849872cd294f36ef93_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzctMS0xLTEtNzE0Nzc0_8b26fbe5-b1e5-42f8-86e1-a5fa9f9b8bd0">748,660</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i933816c7d5304158ab3005eee24ae049_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzctMi0xLTEtNzE0Nzc0_174ba9a3-3e95-4daf-b3f2-f2eb5f6081f7">684,266</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5195fcc4dcb34775bdf6bb6111c6907e_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzctMy0xLTEtNzE0Nzc0_b2cf543e-c27a-4f20-9b7b-e685d1fc1ad5">668,460</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate Center and adjustments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2323f177e157413bb53a1d2e364d6ee8_I20221231" decimals="-6" sign="-" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzgtMS0xLTEtNzE0Nzc0_e1107cf5-f5cf-4b7d-b403-55638255b80b">35,520</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id6923c279f63460eab1386917c454f30_I20211231" decimals="-6" sign="-" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzgtMi0xLTEtNzE0Nzc0_c829271f-df04-4311-9c29-d7d7d3aa8ef4">21,381</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie26b5bdf005342269779577d34685ec8_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzgtMy0xLTEtNzE0Nzc0_f90ba53b-ad5f-416f-9b7b-e44a317138de">65,336</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets BBVA Group</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzktMS0xLTEtNzE0Nzc0_15d9160d-f716-4b11-964a-f9f8c2fb90a9">713,140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzktMi0xLTEtNzE0Nzc0_10ec6cff-5964-42d2-9c62-0e1f8e05a792">662,885</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTowNjdhZTk5ZGJhN2Q0OTIxYTE1NTgxOThkYjY0YzI2MS90YWJsZXJhbmdlOjA2N2FlOTlkYmE3ZDQ5MjFhMTU1ODE5OGRiNjRjMjYxXzktMy0xLTEtNzE0Nzc0_f87f48f6-c766-4a1e-9e82-dcea0c79c351">733,797</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(<ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90ZXh0cmVnaW9uOjVkMmRiM2UwNDljMTRiYTNiN2MzNTgxY2MyYTlkZWFhXzU3MTc0NjA0NjQ2ODc0_d0762686-a281-40b9-ba13-131bd65a481b" footnoteRole="http://www.xbrl.org/2003/role/footnote">1) The balance of 2020 corresponds mainly to the Group companies included within the scope of the USA Sale to PNC</ix:footnote>.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MainMarginsAndProfitByOperatingSegmentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90ZXh0cmVnaW9uOjVkMmRiM2UwNDljMTRiYTNiN2MzNTgxY2MyYTlkZWFhXzI1NQ_231a7398-7c5e-4841-b599-ec3f5263e542" continuedAt="i1d02a1d0b7544ae98df77c3d63cd867c" escape="true">The following table sets forth certain summarized information relating to results of each operating segment and Corporate Center for the years ended December 31, 2022, 2021 and 2020:</ix:nonNumeric></span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-46</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><ix:continuation id="i63cb7dcf48054f6e93817ec9752d0a2a"><ix:continuation id="i1d02a1d0b7544ae98df77c3d63cd867c"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:25.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.714%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Main margins and profit by operating segments (Millions of euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Operating Segments</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA Group</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Corporate Center and adjustments</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6887e5229434ebabf6f9b42c65f9aa5_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtMS0xLTEtMTI4NDQ4Mg_fde14dd9-8650-417a-978f-a406bb05adb1">19,153</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310e321540e347819b67a1facdc127f1_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtMi0xLTEtMTI4NDQ4Mg_a6b22c39-e6e8-4c93-be37-9990fbb01f28">3,784</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88b04285b3504c06ae2c524fa6e6c9f6_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtMy0xLTEtMTI4NDQ4Mg_2e1eafac-c975-4786-9cfc-9cc49b9d7af2">8,378</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaafeeb160b5b4f7faadac9c132fd875f_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtNC0xLTEtMTI4NDQ4Mg_2947cc95-f572-438a-bfc1-69cf55c07546">2,631</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41f5faec2b644417a6573b58a8cd77a1_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtNS0xLTEtMTI4NDQ4Mg_1f928ff5-db25-45b4-bc23-6dfbafe6a308">4,137</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99989867b1914df08c13611463f14372_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtNi0xLTEtMTI4NDQ4Mg_7b11fc5e-6c1c-49ed-a818-ba23b757cef6">332</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i88768dac7b77430a957c19e426c1e267_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzQtNy0xLTEtMTI4NDQ4Mg_b0ff4650-d379-4405-a79e-15037fc0b89b">109</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6887e5229434ebabf6f9b42c65f9aa5_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtMS0xLTEtMTI4NDQ4Mg_dd9744f9-0d88-4314-a52e-a271d1bc4c5e">24,890</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310e321540e347819b67a1facdc127f1_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtMi0xLTEtMTI4NDQ4Mg_9e1fa1c1-ab7e-4d48-bf1f-2d879398dfc9">6,145</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88b04285b3504c06ae2c524fa6e6c9f6_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtMy0xLTEtMTI4NDQ4Mg_f933edee-213a-4823-9226-a49d03d14afe">10,839</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaafeeb160b5b4f7faadac9c132fd875f_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtNC0xLTEtMTI4NDQ4Mg_028e318c-af21-425c-8d2e-9b8d62b838a8">3,185</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41f5faec2b644417a6573b58a8cd77a1_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtNS0xLTEtMTI4NDQ4Mg_9378db39-4308-4502-818b-2f2d48845eb6">4,261</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99989867b1914df08c13611463f14372_D20220101-20221231" decimals="-6" name="ifrs-full:GrossProfit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtNi0xLTEtMTI4NDQ4Mg_41b12343-a718-432a-a5af-0c7dc1fb424e">790</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i88768dac7b77430a957c19e426c1e267_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzUtNy0xLTEtMTI4NDQ4Mg_73e69b98-135f-4fdb-aa82-78d05fcfcd24">329</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating profit (loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6887e5229434ebabf6f9b42c65f9aa5_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctMS0xLTEtMTI4NDQ4Mg_0ea3fa28-a4fc-4385-97a1-c523600f34c1">10,356</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310e321540e347819b67a1facdc127f1_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctMi0xLTEtMTI4NDQ4Mg_0107817e-6c74-4be3-80ac-7338e6b39afd">2,625</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88b04285b3504c06ae2c524fa6e6c9f6_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctMy0xLTEtMTI4NDQ4Mg_a4a42d02-0768-4460-99d8-46534b9e551a">5,690</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaafeeb160b5b4f7faadac9c132fd875f_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctNC0xLTEtMTI4NDQ4Mg_de0b067e-08af-45b9-9550-3de0f95b7bcf">1,644</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41f5faec2b644417a6573b58a8cd77a1_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctNS0xLTEtMTI4NDQ4Mg_f27328db-b3f0-44a3-9759-8512cd4252db">1,429</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99989867b1914df08c13611463f14372_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctNi0xLTEtMTI4NDQ4Mg_b7347072-dbd9-40e9-b9aa-6e6a007ed70b">277</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i88768dac7b77430a957c19e426c1e267_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzctNy0xLTEtMTI4NDQ4Mg_4c021f90-c6bd-4610-b846-ceff650247e4">1,309</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net attributable profit (loss)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6887e5229434ebabf6f9b42c65f9aa5_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktMS0xLTEtMTI4NDQ4Mg_c3fc1e24-6256-4c6c-824c-811fe88486d3">6,420</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310e321540e347819b67a1facdc127f1_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktMi0xLTEtMTI4NDQ4Mg_453be41a-005d-4c29-9e76-d98c7e7a66ed">1,678</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88b04285b3504c06ae2c524fa6e6c9f6_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktMy0xLTEtMTI4NDQ4Mg_0bb4f6a5-655a-4192-b3f7-1b0ca31e2931">4,182</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaafeeb160b5b4f7faadac9c132fd875f_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktNC0xLTEtMTI4NDQ4Mg_74ca607e-76d5-4fee-bff5-99c4bda775f3">509</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41f5faec2b644417a6573b58a8cd77a1_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktNS0xLTEtMTI4NDQ4Mg_e452bf53-3e67-47e8-8332-a303466f1069">734</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99989867b1914df08c13611463f14372_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktNi0xLTEtMTI4NDQ4Mg_0ac87015-82e5-441a-9a07-fcec1fe35b95">240</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i88768dac7b77430a957c19e426c1e267_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzktNy0xLTEtMTI4NDQ4Mg_f25af8d2-7ce6-4517-ada9-4f5cbec6c15a">922</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if243c28ec95c495f8e992afa3d8bd89d_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTEtMS0xLTEyODQ0ODI_96599b81-1c9d-4c72-aa0e-75bef9a55894">14,686</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3740cea2fda5483290a62829578343d0_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTItMS0xLTEyODQ0ODI_9c1b57ee-49b9-4676-9d39-d9fc477b329c">3,502</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib374fc7b2b0d48938f6d73faf6d1ed5e_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTMtMS0xLTEyODQ0ODI_889ad07b-c69f-41f1-91cb-3eb639adf213">5,836</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1546a5dadd9d421d991e4927bb9e5305_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTQtMS0xLTEyODQ0ODI_e480b94d-7b56-4231-8bb2-25ec079e131c">2,370</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37132f1afa7a4af28eb65a71741a0853_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTUtMS0xLTEyODQ0ODI_859bf7ca-e98e-488c-82a3-faab7fa11993">2,859</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20d28f9f27794dbebcd190b4a2da28fa_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTYtMS0xLTEyODQ0ODI_2fe8a847-6a1a-41bf-bca3-37809a4b0ac0">281</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie11c314cd65f4df78f46f2269020751d_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzExLTctMS0xLTEyODQ0ODI_e9b98547-507c-44c9-8bc1-c414a510d830">163</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if243c28ec95c495f8e992afa3d8bd89d_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTEtMS0xLTEyODQ0ODI_342ecd73-8470-427a-90b0-0f6c0494f237">21,066</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3740cea2fda5483290a62829578343d0_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTItMS0xLTEyODQ0ODI_c4ac877c-80ab-4490-91d6-db6d6c6c4e85">5,925</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib374fc7b2b0d48938f6d73faf6d1ed5e_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTMtMS0xLTEyODQ0ODI_4cc6c186-b3b0-46b2-90a5-cf674199a889">7,603</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1546a5dadd9d421d991e4927bb9e5305_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTQtMS0xLTEyODQ0ODI_1c0c46a8-0186-4227-97cd-bd14590576df">3,422</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37132f1afa7a4af28eb65a71741a0853_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTUtMS0xLTEyODQ0ODI_cfcd6f27-4e25-4f00-8745-1073219521a1">3,162</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20d28f9f27794dbebcd190b4a2da28fa_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTYtMS0xLTEyODQ0ODI_2bdfa7c6-b675-4b09-9371-29c9931f3155">741</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie11c314cd65f4df78f46f2269020751d_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzEyLTctMS0xLTEyODQ0ODI_7b388876-f695-4f29-b4d8-04e2ef127800">212</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating profit (loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if243c28ec95c495f8e992afa3d8bd89d_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTEtMS0xLTEyODQ0ODI_7f0ca391-5d36-47ea-bc94-35b4e204c6ea">7,247</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3740cea2fda5483290a62829578343d0_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTItMS0xLTEyODQ0ODI_0747b874-fd1c-422a-96fe-12a672edcda4">2,122</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib374fc7b2b0d48938f6d73faf6d1ed5e_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTMtMS0xLTEyODQ0ODI_e6670548-8c15-4e9e-9b4f-daa3fe427957">3,528</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1546a5dadd9d421d991e4927bb9e5305_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTQtMS0xLTEyODQ0ODI_f6f3ce33-a74c-4ec3-8406-5fca4845e15e">1,953</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37132f1afa7a4af28eb65a71741a0853_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTUtMS0xLTEyODQ0ODI_2a067129-bcff-42d8-9558-12d0bc795f9a">961</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20d28f9f27794dbebcd190b4a2da28fa_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTYtMS0xLTEyODQ0ODI_0ed9eb7e-fe2a-45f0-a4c0-ccc269965567">314</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie11c314cd65f4df78f46f2269020751d_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE0LTctMS0xLTEyODQ0ODI_62b34e7e-4174-4a50-8704-16d538a9a151">1,632</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) after tax from discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if243c28ec95c495f8e992afa3d8bd89d_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTEtMS0xLTEyODQ0ODI_54ac608e-5707-4ad1-a016-200e91353926">280</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3740cea2fda5483290a62829578343d0_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTItMS0xLTEyODQ0ODI_5b9db71f-7859-40b6-a1aa-2f2536a30885">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib374fc7b2b0d48938f6d73faf6d1ed5e_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTMtMS0xLTEyODQ0ODI_937f3d74-1c50-4741-8906-d3aeb9cc310d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1546a5dadd9d421d991e4927bb9e5305_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTQtMS0xLTEyODQ0ODI_e90746dd-1bd9-4d68-aa47-1ab522765000">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37132f1afa7a4af28eb65a71741a0853_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTUtMS0xLTEyODQ0ODI_fddc99c0-1b15-49f9-a130-505e7bcb351f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20d28f9f27794dbebcd190b4a2da28fa_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTYtMS0xLTEyODQ0ODI_3a3e232c-02d8-42e7-9e68-e510eb4596ae">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie11c314cd65f4df78f46f2269020751d_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE1LTctMS0xLTEyODQ0ODI_15a6eacd-596d-422a-9083-a0a4ebd909e8">280</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net attributable profit (loss)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if243c28ec95c495f8e992afa3d8bd89d_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTEtMS0xLTEyODQ0ODI_e95e2bf4-e284-4c1c-9b0e-99886ad3edb3">4,653</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3740cea2fda5483290a62829578343d0_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTItMS0xLTEyODQ0ODI_608c2d43-93b8-4950-b00f-7c33787d40a0">1,581</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib374fc7b2b0d48938f6d73faf6d1ed5e_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTMtMS0xLTEyODQ0ODI_88b4d3ea-82d7-406a-a537-bf5ad0a03045">2,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1546a5dadd9d421d991e4927bb9e5305_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTQtMS0xLTEyODQ0ODI_ea2c2585-44d6-42f3-ac5e-8b2b15e7b00c">740</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37132f1afa7a4af28eb65a71741a0853_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTUtMS0xLTEyODQ0ODI_3bdf297a-61c1-40d6-ac92-dc181e1d5e76">491</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20d28f9f27794dbebcd190b4a2da28fa_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTYtMS0xLTEyODQ0ODI_cefbfce8-9839-4521-b0cd-c4da67c82b3b">254</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie11c314cd65f4df78f46f2269020751d_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE2LTctMS0xLTEyODQ0ODI_e1b8ddf7-9872-472a-a516-b1a0562a4b57">980</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6da1ec1f00e64081af3f0dd26dd97234_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTEtMS0xLTEyODQ0ODI_afff5dc5-f76c-4b21-b609-1813dbcc6255">14,592</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43308cf0bbb04d9abcebcf4509d1b338_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTItMS0xLTEyODQ0ODI_438330e4-2c05-44be-a0a9-65e9fdce987e">3,566</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b09648d2ca141cd89fae66f21f7700b_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTMtMS0xLTEyODQ0ODI_f8d71091-5bd7-4aff-8966-869e22c15a46">5,415</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715c0505f4ab4d07895101be8eaf89cc_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTQtMS0xLTEyODQ0ODI_b7682942-ba8b-4f04-9b3a-d209e70a3f85">2,783</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82b592fd935e4706acc0cc0bf9bdf8e2_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTUtMS0xLTEyODQ0ODI_37b87105-ab97-4f24-9f86-39d54a2ffdbb">2,701</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib345fc5c5cae47288fef4d223196945e_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTYtMS0xLTEyODQ0ODI_26e460df-b40d-4924-afc0-144097996216">291</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i648163cd1abf4c7ead5c9f2660f0f6ac_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE4LTctMS0xLTEyODQ0ODI_206a2afd-9ea7-4d97-a165-0c97a0529b7a">164</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6da1ec1f00e64081af3f0dd26dd97234_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTEtMS0xLTEyODQ0ODI_186bc86f-451d-4352-9bff-b0c82a185295">20,166</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43308cf0bbb04d9abcebcf4509d1b338_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTItMS0xLTEyODQ0ODI_3bdee552-7013-4823-a0b4-8fced4301326">5,567</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b09648d2ca141cd89fae66f21f7700b_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTMtMS0xLTEyODQ0ODI_5ad7f204-9ee4-4ffe-9150-3887ba3e6e5a">7,025</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715c0505f4ab4d07895101be8eaf89cc_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTQtMS0xLTEyODQ0ODI_121cc91b-f705-440f-9d0e-3e040237903a">3,573</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82b592fd935e4706acc0cc0bf9bdf8e2_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTUtMS0xLTEyODQ0ODI_c6aa6ff6-912a-49dc-853d-0c03ce6265a0">3,225</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib345fc5c5cae47288fef4d223196945e_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTYtMS0xLTEyODQ0ODI_48affd3c-9e4b-44cb-acb9-f2e004cb6de9">839</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i648163cd1abf4c7ead5c9f2660f0f6ac_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzE5LTctMS0xLTEyODQ0ODI_ec175bd5-37a6-4d62-8826-759091e3982d">63</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating profit (loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6da1ec1f00e64081af3f0dd26dd97234_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTEtMS0xLTEyODQ0ODI_6dac0d40-5f44-4598-a1ae-a23b6b0ebd0b">5,248</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43308cf0bbb04d9abcebcf4509d1b338_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTItMS0xLTEyODQ0ODI_36142355-db12-4985-8fbc-b1450671fa61">823</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b09648d2ca141cd89fae66f21f7700b_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTMtMS0xLTEyODQ0ODI_6ddb7c58-be59-4e6d-a600-9f107445c359">2,475</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715c0505f4ab4d07895101be8eaf89cc_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTQtMS0xLTEyODQ0ODI_1d95fd88-dacc-481c-b101-06f457273d1e">1,522</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82b592fd935e4706acc0cc0bf9bdf8e2_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTUtMS0xLTEyODQ0ODI_21e29d8a-bda9-46a6-abaa-c76f0c63d3bf">896</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib345fc5c5cae47288fef4d223196945e_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTYtMS0xLTEyODQ0ODI_f7e489bd-cc9b-43ab-a74f-d0eca01c7cbb">280</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i648163cd1abf4c7ead5c9f2660f0f6ac_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIxLTctMS0xLTEyODQ0ODI_b2bf42d1-aaaf-440a-90af-29b1d8258893">748</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) after tax from discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6da1ec1f00e64081af3f0dd26dd97234_D20200101-20201231" decimals="-6" sign="-" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIyLTEtMS0xLTEyODQ0ODI_c634920f-1a8a-4b30-b78f-43530ccc8171">1,729</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43308cf0bbb04d9abcebcf4509d1b338_D20200101-20201231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIyLTItMS0xLTEyODQ0ODI_dd3567a3-8801-4ecf-8c42-3194fbf917cf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b09648d2ca141cd89fae66f21f7700b_D20200101-20201231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIyLTQtMS0xLTEyODQ0ODI_ec68e8d6-bfff-4313-8ac1-d2afc11f50ec">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82b592fd935e4706acc0cc0bf9bdf8e2_D20200101-20201231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIyLTUtMS0xLTEyODQ0ODI_82325960-c192-4ca9-9302-249e7ce70992">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib345fc5c5cae47288fef4d223196945e_D20200101-20201231" decimals="-6" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIyLTYtMS0xLTEyODQ0ODI_e99704e0-c8e0-4a6b-9094-9d7f1b64c094">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i648163cd1abf4c7ead5c9f2660f0f6ac_D20200101-20201231" decimals="-6" sign="-" name="bbva:ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIyLTctMS0xLTEyODQ0ODI_84367391-9b3c-48c9-aa27-ea8d8d6e84b8">1,729</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net attributable profit (loss)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6da1ec1f00e64081af3f0dd26dd97234_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTEtMS0xLTEyODQ0ODI_d04237df-831f-41ab-8279-ca04c89a5f45">1,305</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43308cf0bbb04d9abcebcf4509d1b338_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTItMS0xLTEyODQ0ODI_bebb13be-0806-4fe2-b6ec-d1f18d1eb420">652</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b09648d2ca141cd89fae66f21f7700b_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTMtMS0xLTEyODQ0ODI_ddd38bb6-5eba-440c-a149-93d1d9d0fc89">1,761</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715c0505f4ab4d07895101be8eaf89cc_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTQtMS0xLTEyODQ0ODI_0bb5d4d3-0339-4bfb-b6be-5590ade4a1d7">563</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82b592fd935e4706acc0cc0bf9bdf8e2_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTUtMS0xLTEyODQ0ODI_a88077e5-bd65-49ca-beac-0526f6d6bd87">446</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib345fc5c5cae47288fef4d223196945e_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTYtMS0xLTEyODQ0ODI_4383e956-2d1d-412b-8a97-137a4faf5059">222</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i648163cd1abf4c7ead5c9f2660f0f6ac_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90YWJsZTpiMjk4ZjQ1N2U3Mzk0YzQyYmIyNGE5OGVkNWIwN2VmNi90YWJsZXJhbmdlOmIyOThmNDU3ZTczOTRjNDJiYjI0YTk4ZWQ1YjA3ZWY2XzIzLTctMS0xLTEyODQ0ODI_6ba746b1-5bd2-4419-b25f-001d90bf7d7b">2,339</ix:nonFraction>)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzQvZnJhZzo1ZDJkYjNlMDQ5YzE0YmEzYjdjMzU4MWNjMmE5ZGVhYS90ZXh0cmVnaW9uOjVkMmRiM2UwNDljMTRiYTNiN2MzNTgxY2MyYTlkZWFhXzU3MTc0NjA0NjQ3NTI0_b6cf5c6f-d00a-454e-9f7d-0715b6ca4244" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Adjustments include: (I) the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17); (II) the costs associated with the collective layoff procedure and the closing of offices in 2021 (see Note 24); and (III) the capital gain from the bancassurance transaction with Allianz in 2020 (see Note 3).</ix:footnote></span></ix:continuation></ix:continuation></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_637"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">7.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfRiskManagementTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82MzcvZnJhZzowNWY3N2ZmNjk3OTk0MjYwYTQ3NzEyNTVhZmZjZjU1MC90ZXh0cmVnaW9uOjA1Zjc3ZmY2OTc5OTQyNjBhNDc3MTI1NWFmZmNmNTUwXzU_2b3ba210-ad19-4a8b-af69-16adc32510bc" continuedAt="ie49b7fb7628543aabe0bcfd3326b37b3" escape="true">Risk management</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_640"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="ie49b7fb7628543aabe0bcfd3326b37b3" continuedAt="i4670e23d72454c64a5797651997555a5">Risk factors </ix:continuation></span></div><ix:continuation id="i4670e23d72454c64a5797651997555a5" continuedAt="iec028ec89c9f426b852f47a472836357"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has processes in place for identifying risks and analyzing scenarios in order to enable the Group to manage risks in a dynamic and proactive way.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The risk identification processes are forward looking to seek the identification of emerging risks and take into account the concerns of both the business areas, which are close to the reality of the different geographical areas, and the corporate areas and senior management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Risks are identified and measured consistently using the methodologies deemed appropriate in each case. Their measurement includes the design and application of scenario analyses and stress testing and considers the controls to which the risks are subjected. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As part of this process, a forward projection of the Risk Appetite Framework (hereinafter "RAF") variables in stress scenarios is conducted in order to identify possible deviations from the established thresholds. If any such deviations are detected, appropriate measures are taken to keep the variables within the target risk profile. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this context, there are a number of emerging risks that could affect the evolution of the Group&#8217;s business, including the below: </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_646"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.26pt;text-align:justify;text-indent:-0.01pt"><span style="color:#004580;font-family:'BBVA Benton Sans Book',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#8211;</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:8.65pt"><ix:continuation id="iec028ec89c9f426b852f47a472836357" continuedAt="i480c53a8b4984610b9e534616f317a00">Macroeconomic and geopolitical risks</ix:continuation></span></div><ix:continuation id="i480c53a8b4984610b9e534616f317a00" continuedAt="i20f59c20af6f459fb5596847ad94b802"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group is sensitive to the deterioration of economic conditions or the alteration of the institutional environment of the countries in which it operates, and especially Spain, Mexico and Turkey. Additionally, the Group is exposed to sovereign debt, especially in these areas. Furthermore, the Group has recently increased its shareholding stake in T&#252;rkiye Garanti Bankas&#305; A.&#350;. (Garanti BBVA) in an additional 36.12% (reaching 85.97%) as a result of the voluntary takeover bid for the shares of Garanti BBVA not already owned by BBVA announced in November 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the significant macroeconomic problems triggered by the COVID-19 pandemic, the global economy is currently facing a number of extraordinary challenges. Russia&#8217;s invasion of Ukraine, the largest military attack on a European state since World War II, has led to significant disruption, instability and volatility in global markets, as well as higher inflation (including by contributing to further increases in the prices of oil, gas and other commodities and further disrupting supply chains) and lower economic growth. The European Union, the United States and other governments have imposed significant sanctions and export controls against Russia and Russian interests and additional sanctions and controls cannot be ruled out.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-47</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i20f59c20af6f459fb5596847ad94b802" continuedAt="i236f514b67844753b648aa9f80e67c67"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The conflict has represented a significant supply shock for the global economy, which has hampered economic growth and added to the inflationary pressures, mainly in European countries, due to their relatively significant economic ties with Ukraine and Russia. The economic effects are being felt mainly through the higher commodity prices, mainly of energy commodities, despite their moderation over the last few months in 2022. While the Group&#8217;s direct exposure to Ukraine and Russia is limited, the war could adversely affect the Group&#8217;s business, financial condition and results of operations. Geopolitical and economic risks have also increased lately as a result of trade tensions between the United States and China, Brexit and the rise of populism, among others. Growing tensions may lead, among others things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade in goods and services and a reduction in the integration of financial markets, any of which could materially and adversely affect the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the world economy could be vulnerable to other factors such as the aggressive interest rate hikes by central banks due to growing and widespread inflationary pressures, which could cause a significant growth slowdown - and, even, a sharp economic recession - as well as financial crises. The central banks of many developed and emerging economies have significantly augmented policy rates over the last year and the process of tightening monetary conditions is likely to continue going forward in many economies. The United States Federal Reserve (FED) and the European Central Bank have raised policy interest rates respectively by 425 and 250 basis points throughout 2022, followed by further increases in early 2023 (such as the rise by the Fed (0.25 basis points) and the ECB (0.5 basis points) announced on February 1 and February 2, 2023, respectively) and further adjustments are expected to be announced in the coming months, taking them up to around 5.0% in the first case and 3.75% in the case of the interest rates for refinancing operations in the Eurozone. The Group&#8217; s results of operations have been affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing to the rise in funding costs. Further, increases in interest rates could adversely affect the Group by reducing the demand for credit, limiting its ability to generate credit for its clients and leading to an increase in the default rate of its counterparties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Another risk is a sharp slowdown in the global GDP growth caused by a deceleration in the Chinese economy, due to the disruptions generated by the coronavirus infections following the flexibilization of the COVID-19 policies or other factors, such as the imbalances on real estate markets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group bears, among others, the following general risks with respect to the economic and institutional environment in which it operates: a deterioration in economic activity in the countries in which it operates, including recession scenarios; more persistent inflationary pressures, which could trigger a more severe tightening of monetary conditions; stagflation due to more intense or prolonged supply crises; changes in exchange rates; an unfavorable evolution of the real estate market; very high oil and gas prices could have a negative impact on disposable income levels in areas that are net energy importers, such as Spain or Turkey, to which the Group is particularly exposed; changes in the institutional environment of the countries in which the Group operates could give rise to sudden and sharp drops in GDP and/or changes in regulatory or government policy, including in terms of exchange controls and restrictions on the distribution of dividends or the imposition of new taxes or charges; a growth in the public debt or in the external deficit could lead to a downward revision of the credit ratings of the sovereign debt and even a possible default or restructuring of said debt; and episodes of volatility in the markets, which could cause the Group significant losses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Any of these factors may have a significant adverse impact on the Group's business, financial condition and results of operations.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_643"></div><div style="margin-bottom:10pt;padding-left:21.26pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%">&#8211;</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%;padding-left:8.08pt"><ix:continuation id="i236f514b67844753b648aa9f80e67c67" continuedAt="i558042e33d87483a9a430a1e393760e1">Risks relating to the political, economic and social conditions in Turkey</ix:continuation></span></div><ix:continuation id="i558042e33d87483a9a430a1e393760e1" continuedAt="i4d6388a0e14f4f5daaee4e74edde56ac"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In May 2022, the Group increased its shareholding stake in Garanti BBVA (Turkey) from 49.85% to 85.97% following the completion of a voluntary takeover bid (see Note 3).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Turkey has, from time to time, experienced volatile political, economic and social conditions. As of the date of the approval of these Consolidated Financial Statements, Turkey is facing an economic crisis characterized by strong depreciation of the Turkish lira, high inflation (the Turkish Statistical Institute, TUIK, established the inflation rate at 64.3% for the twelve months ended December 31, 2022; see Note 2.2.19 for information on the impact of the application of IAS 29), a soaring trade deficit, depletion of the central bank&#8217;s foreign reserves and rising external financing costs. Continuing unfavorable economic conditions in Turkey, such as the elevated inflation and devaluation of the Turkish lira, may result in a potential deterioration in the purchasing power and creditworthiness of our clients (both individual and corporate).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, certain ongoing geopolitical and domestic political factors, referred to in this section, as well as continuing regional conflicts (such as in Syria, Armenia/Azerbaijan), may pose further strain on the country&#8217;s economy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">There can be no assurance that these and other factors will not have an impact on Turkey and will not cause further deterioration of the Turkish economy, which may have a material adverse effect on the Turkish banking sector and the Group&#8217;s business, financial condition and results of operations in Turkey.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-48</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_17592186047103"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;padding-left:21.26pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%">&#8211;</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%;padding-left:8.08pt"><ix:continuation id="i4d6388a0e14f4f5daaee4e74edde56ac" continuedAt="i9dee2a88342e4960ac66e03532020b77">Risks associated with pandemics such as the COVID-19</ix:continuation></span></div><ix:continuation id="i9dee2a88342e4960ac66e03532020b77" continuedAt="ia882cb404f3d46ff8fb03f924310fddd"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The COVID-19 (coronavirus) pandemic has adversely affected the world economy, and economic activity and conditions in the countries in which the Group operates. Among other challenges, these countries have had to deal with supply disruptions and increasing inflationary pressures, while public debt has increased significantly due to the support and spending measures implemented by the government authorities. Furthermore, there has been an increase in loan losses from both companies and individuals, which has been slowed down by the impact of government support measures, including bank payment deferrals, credit with public guarantee and direct aid measures. With the outbreak of COVID-19, the Group experienced a decline in its activity. For example, the granting of new loans to individuals decreased during lockdowns. In addition, in several countries, including Spain, the Group closed a significant number of its branches and reduced the opening hours of working with the public, with central services teams having to work remotely. Furthermore, the Group has been affected by the measures or recommendations adopted by regulatory authorities in the banking sector, such as variations in reference interest rates, the modification of prudential requirements, the temporary suspension of dividend payments, changes to the terms of payment deferrals and the granting of guarantees or public guarantees for credit granted to companies and self-employed persons, the adoption of further similar measures or the modification or termination of those already approved, as well as changes in the financial assets purchase programs by the ECB.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, pandemics like the COVID-19 pandemic could adversely affect the business and transactions of third parties that provide critical services to the Group and, in particular, the higher demand and/or the lower availability of certain resources, compounded by ongoing supply bottlenecks could, in some cases, make it more difficult for the Group to maintain the required service levels.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Further, pandemics such as the COVID-19 pandemic may exacerbate other risks disclosed in this section, including but not limited to risks associated with the credit quality of the Group&#8217;s borrowers and counterparties or collateral, any withdrawal of ECB funding, the Group&#8217;s exposure to sovereign debt and rating downgrades, the Group&#8217;s ability to comply with its regulatory requirements, including MREL (Minimum Requirement for Own Funds and Eligible Liabilities) and other capital requirements, and the deterioration of economic conditions or changes in the institutional environment.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_649"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.26pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:10.3pt"><ix:continuation id="ia882cb404f3d46ff8fb03f924310fddd" continuedAt="iafd08f2ff6bc4b06a7221309f0076cc3">Regulatory and reputational risks</ix:continuation></span></div><ix:continuation id="iafd08f2ff6bc4b06a7221309f0076cc3" continuedAt="i2d5373ca643e45879cfbffb2b93cd952"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial institutions are exposed to a complex and ever-changing regulatory environment defined by governments and regulators. Regulatory activity in recent years has affected multiple areas, including changes in accounting standards; strict regulation of capital, liquidity and remuneration; bank charges (such as the new tax for banks recently approved in Spain, see Note 19.6) and taxes on financial transactions; regulations affecting mortgages, banking products and consumers and users; recovery and resolution measures; stress tests; prevention of money laundering and terrorist financing; market abuse; conduct in the financial markets; anti-corruption; and requirements as to the periodic publication of information. Governments, regulatory authorities and other institutions continually make proposals to strengthen the resistance of financial institutions to future crises. Further, there is an increasing focus on the climate-related financial risk management capabilities of banks. Any change in the Group&#8217;s business that is necessary to comply with any particular regulations at any given time, especially in Spain, Mexico or Turkey, could lead to a considerable loss of income, limit the Group&#8217;s ability to identify business opportunities, affect the valuation of its assets, force the Group to increase its prices and, therefore, reduce the demand for its products, impose additional costs on the Group or otherwise adversely affect its business, financial condition and results of operations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial sector is under ever closer scrutiny by regulators, governments and society itself. In the course of activities, situations which might cause relevant reputational damage to the Group could arise and might affect the regular course of business.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_652"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.26pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:10.3pt"><ix:continuation id="i2d5373ca643e45879cfbffb2b93cd952" continuedAt="i3229798e45804561b9096e448affd3a6">Business, operational and legal risks</ix:continuation></span></div><ix:continuation id="i3229798e45804561b9096e448affd3a6" continuedAt="ia051e14e52604715aef54d537672857a"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">New technologies and forms of customer relationships: Developments in the digital world and in information technologies pose significant challenges for financial institutions, entailing threats (new competitors, disintermediation, etc.) but also opportunities (new framework of relations with customers, greater ability to adapt to their needs, new products and distribution channels, etc.). Digital transformation is a priority for the Group as it aims to lead digital banking of the future as one of its objectives. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Technological risks and security breaches: The Group is exposed to new threats such as cyber-attacks, theft of internal and customer databases, fraud in payment systems, etc. that require major investments in security from both the technological and human point of view. The Group gives great importance to the active operational and technological risk management and control. Any attack, failure or deficiency in the Group&#8217;s systems could, among other things, lead to the misappropriation of funds of the Group&#8217;s clients or the Group itself and the unauthorized disclosure, destruction or use of confidential information, as well as prevent the normal operation of the Group and impair its ability to provide services and carry out its internal management. In addition, any attack, failure or deficiency could result in the loss of customers and business opportunities, damage to computers and systems, violation of regulations regarding data protection and/or other regulations, exposure to litigation, fines, sanctions or interventions, loss of confidence in the Group&#8217; s security measures, damage to its reputation, reimbursements and compensation, and additional regulatory compliance expenses and could have a significant adverse impact on the Group&#8217; s business, financial condition and results of operations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding legal risks, the financial sector faces an environment of increasing regulatory and litigious pressure, and thus, the various Group entities are frequently party to individual or collective judicial proceedings (including class actions) resulting from their activity and operations, as well as arbitration proceedings. The Group is also party to government procedures and investigations, such as those carried out by the antitrust authorities in certain countries which, among other things, have in the past and could in the future result in sanctions, as well as lead to claims by customers and others. In addition, the regulatory framework in the jurisdictions in which the Group operates is evolving towards a supervisory approach more focused on the opening of sanctioning proceedings while some regulators are focusing their attention on consumer protection and behavioral risk. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-49</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia051e14e52604715aef54d537672857a" continuedAt="i25f9d920ee2c4234950465815198650c"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Spain and in other jurisdictions where the Group operates, legal and regulatory actions and proceedings against financial institutions, prompted in part by certain judgments in favor of consumers handed down by national and supranational courts (with regards to matters such as credit cards and mortgage loans), have increased significantly in recent years and this trend could continue in the future. The legal and regulatory actions and proceedings faced by other financial institutions in relation to these and other matters, especially if such actions or proceedings result in favorable resolutions for the consumer, could also adversely affect the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All of the above may result in a significant increase in operating and compliance costs or even a reduction of revenues, and it is possible that an adverse outcome in any proceedings (depending on the amount thereof, the penalties imposed or the procedural or management costs for the Group) could damage the Group's reputation, generate a knock-on effect or otherwise adversely affect the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">It is difficult to predict the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and those that may arise in the future, including actions and proceedings relating to former Group subsidiaries or in respect of which the Group may have indemnification obligations. Any of such outcomes could be significantly adverse to the Group. In addition, a decision in any matter, whether against the Group or against another credit entity facing similar claims as those faced by the Group, could give rise to other claims against the Group. In addition, these actions and proceedings attract resources from the Group and may occupy a great deal of attention on part of the Group's management and employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the Group had &#8364;<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NTIvZnJhZzo2ZjE2YTYwZTA0ZWY0ZjcxOTQ3NTNmZDEzMTJlZjhiOS90ZXh0cmVnaW9uOjZmMTZhNjBlMDRlZjRmNzE5NDc1M2ZkMTMxMmVmOGI5XzE3NTkyMTg2MDQ0NTIw_bdf5c416-97c9-4447-a764-169d9861c678">685</ix:nonFraction> million in provisions for the proceedings it is facing (included in the line "Provisions for taxes and other legal contingencies" in the consolidated balance sheet) (see Note 24), of which &#8364;524 million correspond to legal contingencies and &#8364;161 million to tax related matters. However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from these proceedings will not exceed, where applicable, the amounts that the Group currently has provisioned and, therefore, could affect the Group's consolidated results in a given period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a result of the above, legal and regulatory actions and proceedings currently faced by the Group or to which it may become subject in the future or otherwise affected by, individually or in the aggregate, if resolved in whole or in part adversely to the Group's interests, could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Spanish judicial authorities are investigating the activities of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Centro Exclusivo de Negocios y Transacciones, S.L.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> (Cenyt). Such investigation includes the provision of services by Cenyt to the Bank. On July 29, 2019, the Bank was named as an investigated party </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">(investigado) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">in a criminal judicial investigation (Preliminary Proceeding No. 96/2017 &#8211; Piece No. 9, Central Investigating Court No. 6 of the National High Court) for alleged facts which could be constitutive of bribery, revelation of secrets and corruption. On February 3, 2020, the Bank was notified by the Central Investigating Court No. 6 of the National High Court of the order lifting the secrecy of the proceedings. Certain current and former officers and employees of the Group, as well as former directors have also been named as investigated parties in connection with this investigation. The Bank has been and continues to be proactively collaborating with the Spanish judicial authorities, including sharing with the courts information obtained in the internal investigation hired by the entity in 2019 to contribute to the clarification of the facts. As of the date of the preparation of the Consolidated Financial Statements, no formal accusation against the Bank has been made. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This criminal judicial proceeding is at the pre-trial phase. Therefore, it is not possible at this time to predict the scope or duration of such proceeding or any related proceeding or its or their possible outcomes or implications for the Group, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_17592186047134"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.26pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:10.3pt"><ix:continuation id="i25f9d920ee2c4234950465815198650c" continuedAt="if1b9d7b6e62d4ed6bb685b0d28e9aa9b">Climate change risks</ix:continuation></span></div><ix:continuation id="if1b9d7b6e62d4ed6bb685b0d28e9aa9b" continuedAt="iaa9f14604eea4c678bcd18248f6cab64"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Climate change presents short, medium and long-term risks to the Group and its customers, and these risks are expected to increase over time. The Group's activities or those of its customers and/or counterparties could be negatively affected by, among others, the following risks:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Transition Risks: Risks linked to the transition to a low-carbon economy as a response to climate change, and that come from changes in legislation, the market, consumers, etc., to mitigate and address the requirements derived from climate change. Transition risks include:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Legal and regulatory risks: Legislative or regulatory changes related to the way banks manage climate risk or that otherwise affect banking practices or the disclosure of climate-related information may lead to increased costs and compliance, operational and credit risks. Group customers and counterparties may also face similar challenges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Technological risks: Among others, those risks derived from the transition costs to low-emission technologies or from non-adaptation to them, which could eventually reduce the credit capacity of the Group's customers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Market risks: BBVA is exposed to risks of a considerable increase in the cost of financing for customers with greater exposure to climate change risk, in such a way that their solvency or credit rating is affected. BBVA is also exposed to risks derived from changes in demand, changes in supply or the cost of energy, among others.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Reputational risks: The perception of climate change as a risk by society, shareholders, customers, governments and other interested parties continues to increase, encompassing the operations and strategy of the financial sector. This may lead to increased scrutiny of activities, policies, objectives and the way in which aspects related to climate change are disclosed. The Group's reputation may be damaged if its efforts to reduce environmental and social risks are deemed insufficient.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-50</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iaa9f14604eea4c678bcd18248f6cab64" continuedAt="i04d085ed70274363a23ed904f41c8486"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Physical risks: Risks that come from climate change and can be caused by greater frequency and severity of extreme weather events or long-term weather changes, and that can lead to physical damage to the assets of the Group or its customers, the interruption of their operations, disruptions in the supply chain or increased expenses necessary to deal with them, thus impacting the value of assets or the solvency of customers. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Any of these factors may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:130%">.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_655"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i04d085ed70274363a23ed904f41c8486" continuedAt="ia661986b609542c28c1b455772f569a7">Credit risk</ix:continuation></span></div><ix:continuation id="ia661986b609542c28c1b455772f569a7" continuedAt="i21455994a67542fabad69b0860ce83a8"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Credit risk is the potential loss assumed by the Group as a result of the failure by the Group&#180;s counterparties to meet their contractual obligations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The general principles governing credit risk management in the BBVA Group are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks taken should comply with the general risk policy established by the Board of Directors of BBVA.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks taken should be in line with the level of equity and generation of recurring revenue of the BBVA Group prioritizing risk diversification and avoiding relevant concentrations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks taken should be identified, measured and assessed and there should be management and monitoring procedures, in addition to mitigation and control mechanisms.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks should be managed in a prudent and integrated manner during their life cycle and their treatment should be based on the type of risk. In addition, portfolios should be actively managed on the basis of a common metric (economic capital).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The main criterion when granting credit risks is the capability of the borrower or obligor to fulfill on a timely basis all financial obligations with its business income or source of income without depending upon guarantors, bondsmen or pledged assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Improve the financial health of our clients, help them in their decision making and in the daily management of their finances based on personalized advice.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Help our clients in the transition towards a sustainable future, with a focus on climate change and inclusive and sustainable social development.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Credit risk management in the Group has an integrated structure for all its functions, allowing decisions to be taken objectively and independently throughout the life cycle of the risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">At Group level: frameworks for action and standard rules of conduct are defined for handling risk, specifically, the channels, procedures, structure and supervision.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">At the business area level: they are responsible for adapting the Group's criteria to the local realities of each geographical area and for direct management of risk according to the decision-making channel:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Retail risks: in general, the decisions are formalized according to the scoring tools, within the general framework for action of each business area, with regard to risks. The changes in weighting and variables of these tools must be validated by the Global Risk Management (hereinafter "GRM") area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Wholesale risks: in general, the decisions are formalized by each business area within its general framework for action with regard to risks, which incorporates the delegation rule and the Group's corporate policies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The risk function has a decision-making process supported by a structure of committees with a solid governance scheme, which describes their purposes and functioning for a proper performance of their tasks. </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_658"></div><ix:continuation id="i21455994a67542fabad69b0860ce83a8" continuedAt="i2da722c2d24241a39decaefafee93fa9"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Support measures</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Since the beginning of the pandemic, the Group offered COVID-19 support measures to its customers in all the geographic areas where it operates, consisting of both deferrals on existing loans and new public-guaranteed lending. Deferral support schemes have expired in all geographical areas. Measures related to new government-guaranteed loans remained in force in Spain and Peru in 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Spain:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">The Official Credit Institute (ICO by its Spanish acronym) published several support programs aimed at the self-employed, small and medium-sized enterprises (hereinafter "SMEs") and companies, through which a guarantee of between 60% and 80% was granted by the ICO (for a term of up to 5 years for new financing granted under RDL Mar/2020, RDL Nov/2020, RDL 5/2021 and the Code of Good Practices).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">In March 2022, the Council of Ministers agreed to modify the Code of Good Practices to lessen access conditions given the difficulties of clients, which are facing sharp increases in costs due to their special exposure to tensions in the prices of energy and other raw materials.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">As an additional measure of the Code of Good Practices, the Council of Ministers approved the agreement to establish the possibility of term extensions of ICO financing given to self-employed and companies, after June 30, 2022, after the expiry of the Temporary Framework of state support approved by the European Commission.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-51</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i2da722c2d24241a39decaefafee93fa9" continuedAt="i480e670b904a4a0cbd5e6fa2ca003564"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, on November 23, 2022, Royal Decree-Law 19/2022, of November 22, was published. It amends the Code of Good Practices, establishes a new Code of Good Practices easing the interest rates hike on mortgage loans agreements related to primary residences, and provides for other structural measures aiming to improve the loan market. BBVA has adhered to the new Code of Good Practices with effect from January 1, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Peru:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">There were public support programs such as </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Reactiva, Crecer</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> or FAE aimed at companies and micro-enterprises with government guaranteeing amounts ranging from 60% to 98%, depending on the program and the type of company.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Through a Decree published in May 2022, for loans granted under the </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Reactiva</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> program, both the maturity and grace period of such loans could be extended. The ability to benefit from this measure expires on June 30, 2023, following the extension of the initial period that ended December 31, 2022. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">New government-guaranteed financing was also granted in Turkey, Colombia and Argentina.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_661"></div><ix:continuation id="i480e670b904a4a0cbd5e6fa2ca003564" continuedAt="i29372296a7e5456aa12132b94bbc1a7f"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90ZXh0cmVnaW9uOjkxMmIwNjBhM2E5MTQwMjc4MTAxMTY3Zjg4NTQ0Y2JjXzExNzQ_fb26f286-61d2-41b7-9bac-4a7ac1bf91d8" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The outstanding balance of existing loans for which a payment deferral was granted (split by those existing at year-end and those that were completed by year-end) under EBA standards and for which financing was granted with public guarantees given at a Group level, as well as the number of customers of both measures, as of December 31, 2022 and 2021 are as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:15.799%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.292%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of payment deferral and financing with public guarantees of the Group (Millions of Euros) </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Payment deferral</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financing with </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">public guarantees</span></div></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Existing </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Completed</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;customers</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">customers</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">payment deferral</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;and guarantees</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(%) credit investment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4376875be0fc41c7af09b2c58bdbf60f_I20221231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtMS0xLTEtNzE0Nzc0_7af30ca9-efe6-4672-952e-31ece14a04dc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55c359e757f445e6aadee1657b8d8832_I20221231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtMi0xLTEtNzE0Nzc0_dc152ec5-f7e7-45b8-86c6-b677d33fd4df">18,103</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtMy0xLTEtNzE0Nzc0_a95c635b-4026-41bb-b0ba-99bd80fb643e">18,103</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5bf2a4ef781f43498c0ce393527780cd_I20221231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtNC0xLTEtNzE0Nzc0_3934ed5f-3db0-4687-87d8-c5bd625a858b">1,791,756</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OperationsFinancingWithPublicGuarantee" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtNS0xLTEtNzE0Nzc0_4cd731e1-a3ab-4778-b3b2-10ed9355e8a6">13,955</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5bf2a4ef781f43498c0ce393527780cd_I20221231" decimals="-6" name="bbva:OperationsFinancingWithPublicGuarantee" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtNi0xLTEtNzE0Nzc0_db371dc4-897e-4fed-b4ad-17c22b0d71f3">248,009</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalOperationsWithPaymentDeferralAndGuarantees" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtNy0xLTEtNzE0Nzc0_5b2ad320-f167-41a7-b452-ef16083de4e4">32,059</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="3" name="bbva:CreditInvestmentPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzMtOC0xLTEtNzE0Nzc0_45c3c222-2cc1-418d-bc78-cbf25cf40382">8.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27f3586a607a41208ec52588d74922db_I20211231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtMS0xLTEtNzE0Nzc0_be2cec2a-c398-4241-96b3-d62f8786656c">189</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bdc911cf28e4579bc11966447b7f323_I20211231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtMi0xLTEtNzE0Nzc0_76f0fc26-d6a6-4eea-9546-8faba717f174">21,743</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtMy0xLTEtNzE0Nzc0_30f5e72d-1b8f-4965-ba63-fa2f3441994d">21,931</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdb03663dbd9432986b87a6d88a0af04_I20211231" decimals="-6" name="bbva:OperationsWithPaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtNC0xLTEtNzE0Nzc0_864c590c-3dd6-4505-99f3-360f7f2a8510">2,188,720</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OperationsFinancingWithPublicGuarantee" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtNS0xLTEtNzE0Nzc0_a7c5abc3-149c-4a03-a663-17d42c702d2b">16,093</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdb03663dbd9432986b87a6d88a0af04_I20211231" decimals="-6" name="bbva:OperationsFinancingWithPublicGuarantee" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtNi0xLTEtNzE0Nzc0_b709e19a-7698-4290-a548-43a1fbc444ac">264,809</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalOperationsWithPaymentDeferralAndGuarantees" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtNy0xLTEtNzE0Nzc0_12413019-2b57-4b3c-b365-2ad785c61f86">38,025</ix:nonFraction></span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="3" name="bbva:CreditInvestmentPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpmZmVlNjk2NDBmMzQ0Nzg5YTg0NTNjZGM2YzZlMzM1ZC90YWJsZXJhbmdlOmZmZWU2OTY0MGYzNDQ3ODlhODQ1M2NkYzZjNmUzMzVkXzUtOC0xLTEtNzE0Nzc0_face916a-c0be-444f-9710-62416ae3b678">10.9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90ZXh0cmVnaW9uOjkxMmIwNjBhM2E5MTQwMjc4MTAxMTY3Zjg4NTQ0Y2JjXzExODA_3aa95f08-a432-4f4a-ad7b-7efe06a2e75e" escape="true"><div style="margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The outstanding balance of existing loans for which a payment deferral was granted (split by those existing at year-end and those in respect of which the deferral had been completed by year-end) under EBA standards and for which financing was granted with public guarantees given at a Group level, broken down by segment, as of December 31, 2022 and 2021 are as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:21.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.624%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of payment deferral and financing with public guarantees by concept (Millions of Euros)</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="18" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Payment deferral</span></td><td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financing with</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;public guarantees</span></div></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Existing </span></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Completed</span></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i69d6617603a74a9fa4c3905d691a84b2_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtMS0xLTEtNzE0Nzc0_9a5f82b1-b5fd-4b3f-a992-68443ab3f9b4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4ccd927a9314aabb54db9356e6f2d87_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtMy0xLTEtNzE0Nzc0_dad748ec-ecde-45e8-8534-de50d0dbe055">189</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i293c9e496230478dadf938175956e54b_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtNC0xLTEtNzE0Nzc0_43f06218-dbec-46cf-b8fc-8f5cada88022">18,103</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb6774f936f749d18abfab639d7bdd20_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtNi0xLTEtNzE0Nzc0_ef764d6e-3266-4321-9259-dc1535a36fdb">21,743</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48623b1ce71e4f35ba51565ba4352e93_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtNy0xLTEtNzE0Nzc0_8504182d-9855-4c38-93e1-1beca3a02448">18,103</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47d5e6333a5a406e80c51c0a5d2198fd_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtOS0xLTEtNzE0Nzc0_dd83fe15-146a-46d9-8a31-e00ea39a9403">21,931</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48623b1ce71e4f35ba51565ba4352e93_I20221231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtMTAtMS0xLTcxNDc3NA_690ad8c8-c978-4e4f-974b-5f9b5b52f66d">13,955</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47d5e6333a5a406e80c51c0a5d2198fd_I20211231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzQtMTItMS0xLTcxNDc3NA_9b21d81a-0c69-454f-b51a-5a285ec92001">16,093</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic487b786333a4a0393f13b8a6cbe50c2_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtMS0xLTEtNzE0Nzc0_81636c9c-5c22-4c90-8fa9-ba4a94038e83">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i462b73b7af534a73942013c1a199d383_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtMy0xLTEtNzE0Nzc0_8bf37f0c-4ac5-40f3-ad37-890c56fa217f">107</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4ba5f91379440768357d223fac9d804_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtNC0xLTEtNzE0Nzc0_9fc47afb-7deb-48c2-9ed2-b9c0d05a066a">12,974</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id16355ab7218400988277c3709d9755c_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtNi0xLTEtNzE0Nzc0_7fd06ff5-ad8b-4077-ac50-730bd6b36f1d">14,904</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa6db36e988143519d407808c3a85f89_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtNy0xLTEtNzE0Nzc0_6f707190-97b3-463a-a03a-9a747474ec18">12,974</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90b219c61b29445193a2c2061dbdaec3_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtOS0xLTEtNzE0Nzc0_bdbc263e-1dae-47ec-bf15-dfdf3667cc67">15,011</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa6db36e988143519d407808c3a85f89_I20221231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtMTAtMS0xLTcxNDc3NA_6c649e56-6143-4c41-a062-d4de7ddaa7e3">1,302</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90b219c61b29445193a2c2061dbdaec3_I20211231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzUtMTItMS0xLTcxNDc3NA_f232410d-066b-42f0-a36c-a3db93f1453e">1,376</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee7800718dda43e98f5301168796205e_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtMS0xLTEtNzE0Nzc0_afbea346-46eb-4c5b-bcea-009b30eff1bf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i152bae01efea4a3a856692381d39231a_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtMy0xLTEtNzE0Nzc0_40c565a4-7e3e-4f72-b905-f0591209786a">97</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibafac76a5a0649329dc0131637d01421_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtNC0xLTEtNzE0Nzc0_7a10333e-5e20-481f-9b9d-28ecccdb121f">9,542</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5349cbe9e294540a8865c1359dec97f_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtNi0xLTEtNzE0Nzc0_02578d56-586d-464a-89fd-79fce0f8d378">10,195</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28ad2259b5c0440c90327a851fc930d8_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtNy0xLTEtNzE0Nzc0_2b14e2a1-e351-4b41-9830-a76da55270fc">9,542</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab0e439106a24013b87fae1ea7b26778_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtOS0xLTEtNzE0Nzc0_224dd43b-447b-40a0-94eb-7c3ac64a14ba">10,291</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28ad2259b5c0440c90327a851fc930d8_I20221231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtMTAtMS0xLTcxNDc3NA_39e49ca5-0371-4099-92e3-d801af8181ec">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab0e439106a24013b87fae1ea7b26778_I20211231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzYtMTItMS0xLTcxNDc3NA_ec95d14a-3c5e-455c-a630-3287303aedfe">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib190a0f2732b4271978616ef63beeeba_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctMS0xLTEtNzE0Nzc0_989b8133-9a71-41e8-bb53-0318e39a4483">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe7ea8e9c4304278a4ab11c3b6720175_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctMy0xLTEtNzE0Nzc0_ff2606f4-a35a-4c1d-ab6d-a87d65376182">44</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86e92272dc8f48b194584818f02892ca_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctNC0xLTEtNzE0Nzc0_663ae7c5-68f4-42f5-8813-5107a70a750b">2,725</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07db63653db84de3b962af8a118fd3eb_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctNi0xLTEtNzE0Nzc0_c6aea041-8e6e-4a41-88cd-36ba5547aaa6">3,950</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1069fd850f254791b909e30b905fe063_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctNy0xLTEtNzE0Nzc0_6ff0be89-4bba-469e-be31-0ae900ce1a0e">2,725</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07449c070caa474dbd30d9ccb4f1a085_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctOS0xLTEtNzE0Nzc0_902c30dd-e4c5-4055-99ae-befd14fab7aa">3,994</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1069fd850f254791b909e30b905fe063_I20221231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctMTAtMS0xLTcxNDc3NA_a3b58727-6308-4645-b57f-1b7eff5f43f4">9,672</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07449c070caa474dbd30d9ccb4f1a085_I20211231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzctMTItMS0xLTcxNDc3NA_a6b90445-7680-40c2-98b1-c8250e9f88ce">10,911</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i345af4e4e19e489980fd30a86ece2e39_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtMS0xLTEtNzE0Nzc0_a796fbb6-6810-464d-a54d-9c58ac53ac0f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7785bad515bc484fa404422ad3a3bce2_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtMy0xLTEtNzE0Nzc0_2423b1ab-45db-43d8-ae1d-6c1a886f6552">37</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a59e5ca032e45eb91fca53064f2cc55_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtNC0xLTEtNzE0Nzc0_65f8c8dc-4460-49a6-91e5-56f60bb305b0">2,315</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cbaeee064a94ac2983393f55b4544ec_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtNi0xLTEtNzE0Nzc0_a6b5665e-54cc-49a7-8310-b084210c98d9">2,766</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127d674afa914f64acfa1b9476c935df_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtNy0xLTEtNzE0Nzc0_8fe02d29-3b37-4283-bb8a-f7adc8d79884">2,315</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c53c5f5ca364edea3f993f8a6302388_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtOS0xLTEtNzE0Nzc0_a6717b1c-864a-4c4c-978c-48adb1df111f">2,803</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127d674afa914f64acfa1b9476c935df_I20221231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtMTAtMS0xLTcxNDc3NA_98ab8f99-a6a2-4da4-b364-0aa9e6e0b968">2,964</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c53c5f5ca364edea3f993f8a6302388_I20211231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzgtMTItMS0xLTcxNDc3NA_b92d5141-cc3f-49e0-ae0b-7bb9974e3e97">3,788</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1e5d48b1a31246ac83029b4f42e458a0_I20221231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktMS0xLTEtNzE0Nzc0_125bb029-d274-4cd3-a85c-4993803bb6d4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5038c1e6b2c043eaa0fffa2a1fec1bde_I20211231" decimals="-6" name="bbva:PaymentDeferral" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktMy0xLTEtNzE0Nzc0_669f8ba9-0adf-468d-924d-5bb9b5964815">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib28b93a5223847a893ba57c0544fc88f_I20221231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktNC0xLTEtNzE0Nzc0_e5bd2216-81a6-479b-b610-a180bab2f98d">90</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66f2c7242730449bb7ed09f87a0e0c45_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktNi0xLTEtNzE0Nzc0_2edd4137-73c8-4b81-8a2e-7d0b37a7f328">122</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49b3ebeb4b6346dc8cac419403e14a0f_I20221231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktNy0xLTEtNzE0Nzc0_a6c390c2-5cb7-4e1d-95b9-196d6f66cd0f">90</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia37554cf968d4fd69ded0e6f32aa659f_I20211231" decimals="-6" name="bbva:PaymentDeferral" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktOS0xLTEtNzE0Nzc0_3532139e-5c26-4f97-b616-cb276b7abde7">122</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49b3ebeb4b6346dc8cac419403e14a0f_I20221231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktMTAtMS0xLTcxNDc3NA_1a644158-6bf0-498f-acde-50fd98cc5695">18</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia37554cf968d4fd69ded0e6f32aa659f_I20211231" decimals="-6" name="bbva:PublicGuaranteesGivenByTheGroup" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTo5Y2Q1ZTg0YzhkZTU0NTNhYjFmNDgzN2U4MjJjODFjZS90YWJsZXJhbmdlOjljZDVlODRjOGRlNTQ1M2FiMWY0ODM3ZTgyMmM4MWNlXzktMTItMS0xLTcxNDc3NA_b6698643-9124-4620-98a1-bb5d39fbf186">18</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span><br/></span></div><div style="margin-top:10pt;text-align:justify"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90ZXh0cmVnaW9uOjkxMmIwNjBhM2E5MTQwMjc4MTAxMTY3Zjg4NTQ0Y2JjXzU3MTc0NjA0NjQ3OTcy_313ff8e1-98f0-4c4d-8535-5d323f509746" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.562%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of financing with public guarantees of the Group by stages (Millions of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1 and 2</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad1caa5ec2d04423871eda39d19a272d_I20221231" decimals="-6" name="bbva:TotalOperationsByConcept" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzMtMS0xLTEtMTQwMDA1Ng_e2bff6ad-27d9-4e51-8c8d-013894c2b9a9">13,109</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81b5a89f5b764acebda55dc5f22ed5fe_I20211231" decimals="-6" name="bbva:TotalOperationsByConcept" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzMtMi0xLTEtMTQwMDA1Ng_10ce61cd-a473-4e49-8b99-0f5cc86612ec">15,526</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881b9f39ed4e473d88b1ad67ed787fc1_I20221231" decimals="-6" name="bbva:TotalOperationsByConcept" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzMtMy0xLTEtMTQwMDA1Ng_e2d67495-26a6-420c-94c5-db21b7482858">847</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d459656103f473cba490f135b84b2ce_I20211231" decimals="-6" name="bbva:TotalOperationsByConcept" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzMtNC0xLTEtMTQwMDA1Ng_b6dd323f-b35b-4b3d-815a-9a55518f5b5b">568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalOperationsByConcept" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzMtNS0xLTEtMTQwMDA1Ng_785a0ff2-5d31-4712-ace0-c8dff4a7109b">13,955</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalOperationsByConcept" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzMtNi0xLTEtMTQwMDA1Ng_7e2bcdd2-50cb-4643-8859-05c78b7d4a30">16,093</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad1caa5ec2d04423871eda39d19a272d_I20221231" decimals="-6" name="bbva:Households" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzQtMS0xLTEtMTQwMDA1Ng_279bb1a3-4da3-46de-9ada-7ab90bb080da">1,240</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81b5a89f5b764acebda55dc5f22ed5fe_I20211231" decimals="-6" name="bbva:Households" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzQtMi0xLTEtMTQwMDA1Ng_be1d85df-18f4-46e2-a698-8a5c63bf295f">1,347</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881b9f39ed4e473d88b1ad67ed787fc1_I20221231" decimals="-6" name="bbva:Households" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzQtMy0xLTEtMTQwMDA1Ng_2ed6b591-251d-4dbd-8363-3915cf8801ac">62</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d459656103f473cba490f135b84b2ce_I20211231" decimals="-6" name="bbva:Households" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzQtNC0xLTEtMTQwMDA1Ng_31ed8932-f55d-434c-8b86-08ed6cfae85b">29</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:Households" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzQtNS0xLTEtMTQwMDA1Ng_fc107801-f26f-4dfc-9a26-ddc4381bc6d5">1,302</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:Households" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzQtNi0xLTEtMTQwMDA1Ng_594bffb4-7a0a-45e4-bc17-e02814d4c54c">1,376</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Mortgages</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad1caa5ec2d04423871eda39d19a272d_I20221231" decimals="-6" name="bbva:OfWhichMortgages" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzUtMS0xLTEtMTQwMDA1Ng_aef81292-86de-49db-bc93-7c28abe8ffc6">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81b5a89f5b764acebda55dc5f22ed5fe_I20211231" decimals="-6" name="bbva:OfWhichMortgages" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzUtMi0xLTEtMTQwMDA1Ng_de40dc10-b1da-4220-8235-2e74ab15d3a3">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881b9f39ed4e473d88b1ad67ed787fc1_I20221231" decimals="-6" name="bbva:OfWhichMortgages" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzUtMy0xLTEtMTQwMDA1Ng_7fb778e0-5fbe-437b-9cb0-ccb7b0b59cad">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d459656103f473cba490f135b84b2ce_I20211231" decimals="-6" name="bbva:OfWhichMortgages" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzUtNC0xLTEtMTQwMDA1Ng_61d244a1-199d-4f64-bc7a-6258be1bb2b2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OfWhichMortgages" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzUtNS0xLTEtMTQwMDA1Ng_64d96591-a86a-4c8d-b164-2f80b34fa3f6">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OfWhichMortgages" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzUtNi0xLTEtMTQwMDA1Ng_95e2f234-397a-40d4-8fd5-bac6d623138c">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad1caa5ec2d04423871eda39d19a272d_I20221231" decimals="-6" name="bbva:SMEs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzYtMS0xLTEtMTQwMDA1Ng_007b9769-8595-4452-8386-51d3d462b849">9,041</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81b5a89f5b764acebda55dc5f22ed5fe_I20211231" decimals="-6" name="bbva:SMEs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzYtMi0xLTEtMTQwMDA1Ng_86bbf450-8d65-41be-9695-b096d18221db">10,522</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881b9f39ed4e473d88b1ad67ed787fc1_I20221231" decimals="-6" name="bbva:SMEs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzYtMy0xLTEtMTQwMDA1Ng_33e9cbd1-4a27-40ee-bc97-7b9526c5e00e">631</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d459656103f473cba490f135b84b2ce_I20211231" decimals="-6" name="bbva:SMEs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzYtNC0xLTEtMTQwMDA1Ng_a3e179ea-0dc2-4cca-937f-3ff13326af44">389</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SMEs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzYtNS0xLTEtMTQwMDA1Ng_75e37731-f5cb-445c-9351-75fc12237095">9,672</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SMEs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzYtNi0xLTEtMTQwMDA1Ng_e244064d-ef08-43c9-8fa2-4d9718c0fad6">10,911</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad1caa5ec2d04423871eda39d19a272d_I20221231" decimals="-6" name="bbva:NonFinancialEntities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzctMS0xLTEtMTQwMDA1Ng_abe9aafe-db5a-43b8-8437-d9eef37fc4f0">2,811</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81b5a89f5b764acebda55dc5f22ed5fe_I20211231" decimals="-6" name="bbva:NonFinancialEntities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzctMi0xLTEtMTQwMDA1Ng_5f819329-0f8f-449a-802a-01331a9c371b">3,639</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881b9f39ed4e473d88b1ad67ed787fc1_I20221231" decimals="-6" name="bbva:NonFinancialEntities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzctMy0xLTEtMTQwMDA1Ng_497fd542-3ec7-4559-9711-250c5ec63b98">153</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d459656103f473cba490f135b84b2ce_I20211231" decimals="-6" name="bbva:NonFinancialEntities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzctNC0xLTEtMTQwMDA1Ng_eada4c1d-cc83-40e9-9cd0-d99450036fec">149</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:NonFinancialEntities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzctNS0xLTEtMTQwMDA1Ng_6fc1678e-a108-43f2-852f-e6cc31676140">2,964</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:NonFinancialEntities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzctNi0xLTEtMTQwMDA1Ng_fa4cca32-4be9-4b3f-b5cf-e482b1b1545a">3,788</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad1caa5ec2d04423871eda39d19a272d_I20221231" decimals="-6" name="bbva:OtherConcepts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzgtMS0xLTEtMTQwMDA1Ng_a868c507-2682-4392-943f-a18156fc7d78">17</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81b5a89f5b764acebda55dc5f22ed5fe_I20211231" decimals="-6" name="bbva:OtherConcepts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzgtMi0xLTEtMTQwMDA1Ng_1f0b10b6-4a4d-466a-9406-09acd3e50894">18</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881b9f39ed4e473d88b1ad67ed787fc1_I20221231" decimals="-6" name="bbva:OtherConcepts" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzgtMy0xLTEtMTQwMDA1Ng_24abc185-181f-4976-ab6c-853cc245d68e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d459656103f473cba490f135b84b2ce_I20211231" decimals="-6" name="bbva:OtherConcepts" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzgtNC0xLTEtMTQwMDA1Ng_cc07742b-e6ba-43f7-b0ac-814a50eba12b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherConcepts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzgtNS0xLTEtMTQwMDA1Ng_c68d3eee-a9e8-4813-8cf7-1e6d4e64515f">18</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherConcepts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjEvZnJhZzo5MTJiMDYwYTNhOTE0MDI3ODEwMTE2N2Y4ODU0NGNiYy90YWJsZTpjYTAwYmY1NDgyYzQ0YjE4YTMyZGNmNjA0NTZhZjJhOC90YWJsZXJhbmdlOmNhMDBiZjU0ODJjNDRiMThhMzJkY2Y2MDQ1NmFmMmE4XzgtNi0xLTEtMTQwMDA1Ng_3870cbdc-e06f-4c91-8001-70655a94c0de">18</ix:nonFraction></span></td></tr></table></ix:nonNumeric></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Spain, in the case of a doubtful transaction with an ICO guarantee, the Ministry of Economic Affairs and Digital Transformation becomes the principal obligee of the guaranteed obligations from the time of communication to the ICO of the execution of the guarantee. This also occurs in the event of early maturity of the debt, without prejudice to the fact that payments are made according to the schedule initially agreed between the client and the entity. From that moment on, the original debt with the client will be derecognized, simultaneously recognizing a credit right before the Ministry for the guaranteed amount.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-52</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_664"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.2.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i29372296a7e5456aa12132b94bbc1a7f" continuedAt="id5ef1efbeaa14f099b2007f263eb0de8">Measurement of Expected Credit Loss</ix:continuation></span></div><ix:continuation id="id5ef1efbeaa14f099b2007f263eb0de8" continuedAt="i24759f223bd1472a8d1a52a4ff9ec25b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 9 requires determining the Expected Credit Loss (hereinafter "ECL") of a financial instrument in a way that reflects an unbiased estimation removing any conservatism or optimism, including the time value of money and a forward-looking perspective (including the economic forecast), all this based on the information that is available at a certain point in time and that is reasonable and bearable with respect to future economic conditions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Therefore, the recognition and measurement of ECL is highly complex and involves the use of significant analysis and estimation including formulation and incorporation of forward-looking economic conditions into the ECL model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The modeling of the ECL calculation is subject to a governance system that is common to the entire Group. Within this common framework, each geographical area makes the necessary adaptations to capture its particularities. The methodology, assumptions and observations used by each geographical area are reviewed annually, and after a validation and approval process, the outcome of this review is incorporated into the ECL calculations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk parameters by homogeneous groups</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Expected losses can be estimated both individually and collectively. Regarding the collective estimate, the instruments are distributed in homogeneous groups (segments) that share similar risk characteristics. Following the guidelines established by the Group for the development of models under IFRS 9, each geographical area performs the grouping based on the information available, its representativeness or relevance and compliance with the necessary statistical requirements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Depending on the portfolio or the parameter being estimated, one risk driver or another will apply and different segments will reflect differences in PDs and LGDs. Thus, in each segment, changes in the level of credit risk will respond to the impact of changing conditions on the common range of credit risk drivers. The effect on the Group&#8217;s credit risk in response to changes in forward-looking information will be considered as well. Macroeconomic modeling for each segment is carried out using some of the shared risk characteristics.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These segments share credit risk characteristics such that changes in credit risk in a part of the portfolio are not concealed by the performance of other parts of the portfolio. In that sense, the methodology developed for ECL estimation indicates the risk drivers that have to be taken into account for PD segmentation purposes, depending on whether the estimation is for retail or wholesale portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As an example of the variables that can be taken into consideration to determine the final models, the following stand out:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">PD &#8211; Retail: Contractual residual maturity, credit risk scoring, type of product, days past due, forbearance, time on books, time to maturity, nationality of the debtor, sale channel, original term, indicator of credit card activity, percentage of initial drawn balance in credit cards.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">PD &#8211; Wholesale: Credit Risk Rating, type of product, watch-list level, forbearance (client), time to maturity, industry sector, updated balance (y/n), written off, grace period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">LGD &#8211; Retail: credit Risk Scoring, segment, type of product, secured / unsecured, type of collateral, sales channel, nationality, business area, debtor&#8217;s commercial segment, forbearance (account) EAD (this risk driver could be correlated with the time on books or the LTV so, before including it, an assessment should be done in order to avoid a double counting effect), time on default of the account (for defaulted exposures), geographical location.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">LGD &#8211; Wholesale: credit Risk Rating, geographical location, segment, type of product, secured / Unsecured, type of collateral, business area, forbearance (client), debtor&#8217;s commercial segment time on default of the deal (for defaulted exposures).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">CCF &#8211; Wholesale/retail, percentage of initial drawn balance, debtor&#8217;s commercial segment, days past due, forbearance, credit limit activity, time on books.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the BBVA Group, the expected losses calculated are based on the internal models developed for all the Group's portfolios, unless clients are subject to individualized estimates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Low Default Portfolios, which include portfolios with high credit quality such as exposures to other credit institutions, sovereign debt or corporates and small client's portfolios with high exposures such as specialized lending or fixed income, are characterized by a low number of defaults, so the Group's historical bases do not contain sufficiently representative information to build impairment models based on them. However, there are external sources of information that, based on broader observations, are capable of providing the necessary inputs to develop models of expected losses. Therefore, based on the rating assigned to these exposures and taking into account the inputs obtained from these sources, the calculations of expected losses are developed internally, including their projection based on the macroeconomic perspectives.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Individual estimation of Expected Credit Losses</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group periodically and individually reviews the situation and credit rating of its customers, regardless of their classification, taking into consideration the information deemed necessary to do so. It also has procedures in place within the risk management framework to identify the factors that may lead to increased risk and, consequently, to a greater need for provisions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The monitoring model established by the Group consists of continuously monitoring the risks to which it is exposed, which guarantees their proper classification in the different categories of IFRS 9. The original analysis of the exposures is reviewed through the procedures for updating the rating tools (rating and scoring), which periodically review the financial situation of clients, influencing the classification by stages of exposures.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-53</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i24759f223bd1472a8d1a52a4ff9ec25b" continuedAt="ib5e17611c42f4bf28d9272de67982282"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Within this credit risk management framework, the Group has procedures that seek to guarantee the review, at least annually, of all its wholesale counterparties through the so-called financial programs, which include the current and proposed positioning of the Group with the customer in terms of credit risk. This review is based on a detailed analysis of the client's up-to-date financial situation, which is complemented by other information available in relation to individual perspectives on business performance, industry trends, macroeconomic prospects or other public data. As a result of this analysis, the preliminary rating of the client is obtained, which, after undergoing the internal procedure, can be revised down if deemed appropriate (for example, general economic environment or evolution of the sector). These factors in addition to the information that the client can provide are used to review the ratings even before the scheduled financial plan reviews are conducted if circumstances so warrant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, the Group has established procedures to identify wholesale customers in the internal Watch List category, which is defined as that risk in which, derived from an individualized credit analysis, an increase in credit risk is observed, either due to economic or financial difficulties or because they have suffered, or are expected to suffer, adverse situations in their environment, without meeting the criteria for classification as impaired risk. Under this procedure, all a customer's Watch List exposures are considered stage 2 regardless of when they originated, if as a result of the analysis the customer is considered to have significantly increased risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, the Group has Workout Committees, both local and corporate, which analyze not only the situation and evolution of significant clients in Watch List and impaired situations, but also those significant clients in which, although not on Watch List, may present some stage 2 rated exposure for a quantitative reason (PD comparison from origination). This analysis is carried out in order to decide if, derived from this situation, all the client's exposures should be considered in the Watch List category, which would imply the migration of all the client's operations to stage 2 regardless of the date on which they originated.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">With this, the Group performs an individualized review of the credit quality of its wholesale counterparties, identifying the situations in which a change in the risk profile of these clients may have occurred and proceeding, where appropriate, to estimate individualized credit losses. Along with this review, the Group individually estimates the expected losses of those clients whose total exposure exceeds certain thresholds, including those that part of their operations may be classified in stage 1 and part in stage 2. In setting thresholds, each geographical area determines the minimum amount of a client's exposure whose expected losses must be estimated individually taking into account the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">For clients with exposures in stage 3. The analysis of clients with total risk above this threshold implies analyzing at least 40% of the total risk of the wholesale portfolio in stage 3. Although the calibration of the threshold is done on the wholesale portfolio, clients of other portfolios must be analyzed if they exceed the threshold, staying in stage 3.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">For all other situations. The analysis of clients with total risk above this threshold implies analyzing at least 20% of the total risk of the Watch List wholesale portfolio. Although the threshold calibration is carried out on the exposure classified as Watch List, wholesale clients or clients belonging to other portfolios that have exposures classified in stage 2 and whose total exposure exceeds the mentioned threshold must be analyzed individually, considering both the exposures classified in stage 1 as in stage 2.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding the methodology for the individual estimation of expected losses, it should be mentioned, firstly, that these are measured as the difference between the asset&#8217;s carrying amount and the estimated future cash flows discounted at the financial asset&#8217;s effective interest rate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The estimated recoverable amount should correspond to the amount calculated under the following method:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The present value of estimated future cash flows discounted at the financial asset&#8217;s original effective interest rate; and </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The estimation of the recoverable amount of a collateralized exposure reflects the cash flows that may result from the settlement of the collateral, as well as prospective information the analyst may implicitly include in the analysis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The estimated future cash flows depend on the type of approach applied, which can be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Going concern scenario: when the entity has updated and reliable information about the solvency and ability of payment of the holders or guarantors. The operating cash flows of the debtor, or the guarantor, continue and can be used to repay the financial debt to all creditors. In addition, collateral may be exercised to the extent it does not influence operating cash flows. The following aspects should be taken into account:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Future operating cash flows should be based on the financial statements of the debtor.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">When the projections made on these financial statements assume a growth rate, a constant or decreasing growth rate must be used over a maximum growth period of 3 to 5 years, and subsequently constant cash flows.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">The growth rate should be based on the analysis of the evolution of the debtor's financial statements or on the applicable business restructuring plan, taking into account the resulting changes in the structure of the company (for example, due to divestments or the interruption of unprofitable lines of business).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">(Re)-investments that are needed to preserve cash flows should be considered, as well as any foreseeable future cash-flow changes (e.g. if a patent or a long-term loan expires).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">e.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">When the recoverability of the exposure relies on the realization of the disposal of some assets by the debtor, the selling price should reflect the estimated future cash flows that may result from the sale of the assets less the estimated costs associated with the disposal.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-54</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ib5e17611c42f4bf28d9272de67982282" continuedAt="ia85430158f8740da80bfcac3949176e1"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Gone concern scenario: when the entity does not have updated and reliable information, it should consider that the estimation of loan receivable flows is highly uncertain. Estimation should be carried out through the estimation of recoverable amounts from the effective real guarantees received. It will not be admissible as effective guarantees, those whose effectiveness depends substantially on the creditworthiness of the debtor or economic group in which it takes part. Under a gone concern scenario, the collateral is exercised and the operating cash flows of the debtor cease. This could be the case if:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The exposure has been past due for a long period. There is a rebuttable presumption that the allowance should be estimated under a gone concern criterion when arrears are greater than 18 months. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Future operating cash flows of the debtor are estimated to be low or negative. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Exposure is significantly collateralized, and this collateral is central to cash-flow generation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">There is a significant degree of uncertainty surrounding the estimation of the future cash flows. This would be the case if the earnings before interest, taxes, depreciation and amortization (EBITDA) of the two previous years had been negative, or if the business plans of the previous years had been flawed (due to material discrepancies in the backtesting).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">e.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Insufficient information is available to perform a going concern analysis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant increase in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As indicated in Note 2.2, the criteria for identifying the significant increase in risk are applied consistently throughout the Group, distinguishing between quantitative reasons or by comparison of probabilities of default and qualitative reasons (more than 30 days of default, watch list consideration or non-impaired refinancing).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To manage credit risk, the Group uses all relevant information that is available and that may affect the credit quality of the exposures. This information may come mainly from the internal processes of admission, analysis and monitoring of operations, from the strategy defined by the Group regarding the price of operations or distribution by geographies, products or sectors of activity, from the observance of the macroeconomic environment, from market data such as interest rate curves, or prices of the different financial instruments, or from external sources of credit rating.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This set of information is the basis for determining the rating and scoring (see Note 7.2.4 for more information on rating and scoring systems) corresponding to each of the exposures and which are assigned a probability of default (PD) that, as already mentioned, is subject to an annual review process that assesses its representativeness (backtesting) and is updated with new observations. Furthermore, the projection of these PDs over time has been modeled based on macroeconomic expectations, which allows obtaining the probabilities of default throughout the life of the operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on this common methodology, and in accordance with the provisions of IFRS 9 and the EBA guidelines on credit risk management practices, each geographical area has established absolute and relative thresholds for identifying whether the expected changes in the probabilities of default have increased significantly compared to the initial moment, adapted to the particularities of each one of them in terms of origination levels, product characteristics, distribution by sectors or portfolios, and macroeconomic situation. To establish the aforementioned thresholds, a series of general principles are considered, such as:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Uniformity: Based on the rating and scoring systems that, in a homogeneous manner, are implemented in the Group's units.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Stability: The thresholds must be established to identify the significant increase in risk produced in exposures since their initial recognition and not only to identify those situations in which it is already foreseeable that they will reach the level of impairment. For this reason, it is to be expected that of the total exposures there will always be a representative group for which said increased risk is identified.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Anticipation: The thresholds must consider the identification of the increased risk in advance with respect to the recognition of the exposures as impaired or even before a real default occurs. The calibration of the thresholds should minimize the cases in which the instruments are classified in stage 3 without having previously been recognized as stage 2.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Indicators or metrics: It is expected that the classification of the exposures in stage 2 will have sufficient permanence to be able to develop an anticipatory management plan with respect to them before, where applicable, they end up migrating to stage 3.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Symmetry: IFRS 9 provides for a symmetric treatment both to identify the significant increase in risk and to identify that it has disappeared, so the thresholds also work to improve the credit classification of exposures. In this sense, it is expected that the cases in which the exhibitions that improve from stage 3 are directly classified into stage 1 will be minimal.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The identification of the significant increase in risk from the comparison of the probabilities of default should be the main reason why exposures in stage 2 are recognized.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Specifically, a contract will be transferred to stage 2 when the following two conditions are met by comparing the current PD values and the origination PD values:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(Current PD) / (Origination PD) - 1*100 &gt;Relative Threshold (%) and</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Current PD &#8211; Origination PD &gt; Absolute threshold (bps)</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-55</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia85430158f8740da80bfcac3949176e1" continuedAt="icf426edcd97a42f7bd2e65f6af320ba0"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These absolute and relative thresholds are consistently established for each geographical area and for each portfolio, taking into account their particularities and based on the principles described. The thresholds set by each geographical area are included within the annual review process and, generally speaking, are in the range of 150% to 250% for the relative threshold and from 10 to 150 basis points for the absolute threshold. Specifically, in BBVA, S.A.'s wholesale portfolio the relative threshold is from 160% to 180% and the absolute threshold ranges from 30 to 100 basis points; in the retail portfolio the relative threshold is between 150% and 200% while the absolute threshold ranges between 50 and 100 basis points. For BBVA Mexico, the relative threshold for the wholesale portfolio is between 180% and 200% and the absolute threshold is between 30 basis points and 75 basis points. For the majority of the retail portfolio, the relative threshold is in the range of 170% and 250% and the absolute threshold between 10 and 100 basis points.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The establishment of absolute and relative thresholds, as well as their different levels, comply with the provisions of IFRS 9 when it indicates that a certain change, in absolute terms, in the risk of a default will be more significant for a financial instrument with a lower initial risk of default compared to a financial instrument with higher initial risk of default.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For existing contracts before the implementation of IFRS 9, given the limitations in the information available on them, the thresholds are calibrated based on the PDs obtained from the prudential or economic models for calculating capital.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk Parameters Adjusted by Macroeconomic Scenarios</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Expected Credit Loss (ECL) must include forward looking information, in accordance with IFRS 9, which states that the comprehensive credit risk information must incorporate not only historical information but also all relevant credit information, also including forward-looking macroeconomic information. BBVA uses the typical credit risk parameters PD, LGD and EAD in order to calculate the ECL for the credit portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA methodological approach in order to incorporate the forward looking information aims to determine the relation between macroeconomic variables and risk parameters following three main steps:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Step 1: Analysis and transformation of time series data.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Step 2: For each dependent variable find conditional forecasting models that are economically consistent.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Step 3: Select the best conditional forecasting model from the set of candidates defined in Step 2, based on their forecasting capacity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">How economic scenarios are reflected in the calculation of ECL</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The forward looking component is added to the calculation of the ECL through the introduction of macroeconomic scenarios as an input. Inputs highly depend on the particular combination of region and portfolio, so inputs are adapted to available data regarding each of them.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on economic theory and analysis, the main indicators most directly relevant for explaining and forecasting the selected risk parameters (PD, LGD and EAD) are: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The net income of families, corporates or public administrations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The outstanding payment amounts on the principal and interest on the financial instruments. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The value of the collateral assets pledged to the loan.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Group approximates these variables by using a proxy indicator from the set included in the macroeconomic scenarios provided by the BBVA Research department.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Only a single specific indicator for each of the three categories can be used and only one of the following core macroeconomic indicators should be chosen as first option:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The real GDP growth for the purpose of conditional forecasting can be seen as the only &#8220;factor&#8221; required for capturing the influence of all potentially relevant macro-financial scenarios on internal PDs and LGD.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The most representative short term interest rate (typically the policy rate or the most liquid sovereign yield or interbank rate) or exchange rates expressed in real terms.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A comprehensive and representative index of the price of real estate properties expressed in real terms in the case of mortgage loans and a representative and real term index of the price of the relevant commodity for corporate loan portfolios concentrated in exporters or producers of such commodity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Real GDP growth is given priority over any other indicator not only because it is the most comprehensive indicator of income and economic activity but also because it is the central variable in the generation of macroeconomic scenarios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Multiple scenario approach</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 9 requires calculating an unbiased probability weighted measurement of ECL by evaluating a range of possible outcomes, including forecasts of future economic conditions. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Research teams within the BBVA Group produce forecasts of the macroeconomic variables under the baseline scenario, which are used in the rest of the related processes of the Group, such as budgeting, ICAAP and risk appetite framework, stress testing, etc.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-56</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="icf426edcd97a42f7bd2e65f6af320ba0" continuedAt="i02e7f6ed01ab4884af62beafe46af129"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, the BBVA Research teams produce alternative scenarios to the baseline scenario so as to meet the requirements under the IFRS 9 standard.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Alternative macroeconomic scenarios</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">For each of the macro-financial variables, BBVA Research produces three scenarios. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">BBVA Research tracks, analyzes and forecasts the economic environment to provide a consistent forward looking assessment about the most likely scenario and risks that impact BBVA&#8217;s footprint. To build economic scenarios, BBVA Research combines official data, econometric techniques and expert judgment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Each of these scenarios corresponds to the expected value of a different area of the probabilistic distribution of the possible projections of the economic variables.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The non-linearity overlay is defined as the ratio between the probability-weighted ECL under the alternative scenarios and the baseline scenario, where the scenario&#8217;s probability depends on the distance of the alternative scenarios from the base one.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">BBVA Group establishes equally weighted scenarios, being the probability 34% for the baseline scenario, 33% for the unfavorable alternative scenario and 33% for the favorable alternative scenario.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The approach in the BBVA Group consists on using the scenario that is the most likely scenario, which is the baseline scenario, consistent with the rest of internal processes (ICAAP, Budgeting, etc.) and then applying an overlay adjustment that is calculated by taking into account the weighted average of the ECL determined by each of the scenarios. This effect is calculated taking into account the average weight of the expected loss determined for each scenario.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">It is important to note that in general, it is expected that the effect of the overlay is to increase the ECL. It is possible to obtain an overlay that does not have that effect, whenever the relationship between macro scenarios and losses is linear. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On the other hand, the BBVA Group also takes into account the range of possible scenarios when defining its significant increase in credit risk. Thus, the PDs used in the quantitative process to identify the significant increase in credit risk will be those that result from making a weighted average of the PDs calculated under the three scenarios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Macroeconomic scenarios </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The COVID-19 pandemic generated uncertainty over macroeconomic outlooks, having a direct impact on the credit risk of entities, particularly, on the expected credit losses under IFRS 9. For this reason, practically all accounting and prudential authorities in a coordinated manner issued recommendations or measures with respect to how situations caused by COVID-19 should be treated for purposes of the expected loss estimation models under IFRS 9 in the year 2020. The BBVA Group considered these recommendations in calculating expected credit risk losses under IFRS 9 based on the assumption that the economic situation caused by the COVID-19 pandemic would be transitory and that it would be accompanied by a recovery, in light of the uncertainties regarding its gravity and duration. Therefore, to calculate such losses, various scenarios were considered, recording the one that, in the opinion of the Bank, best reflected the economic prospects and the set of recommendations from authorities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2021, once the most critical phase of the pandemic was overcome, the forward-looking information incorporated in the calculation of expected losses was in line with the macroeconomic perspectives published by BBVA Research, as was usual until the beginning of the pandemic. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-57</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i02e7f6ed01ab4884af62beafe46af129" continuedAt="ia1f6ad93ffe14c57a1a27ccf01f9b6b0"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzEzNTI_f251ab7f-6d5e-491a-91c0-7c6868c2bdd4" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Research forecasts a maximum of five years for the macroeconomic variables. The following forecasts (favorable, base and unfavorable scenarios) of the Gross Domestic Product (GDP) growth, unemployment rate and House Price Index (HPI), for the most relevant countries where they represent a significant factor, carried out by BBVA Research, were used for the calculation of the ECL as of December 31, 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.850%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Positive scenario of GDP, unemployment rate and HPI for the main geographies</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc1d8f5cbcaa4928a1562689ca29d683_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtMS0xLTEtNzE0Nzc0_f2a98071-2e97-4240-a95a-4aad07379894">4.90</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc1d8f5cbcaa4928a1562689ca29d683_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtMi0xLTEtNzE0Nzc0_ebba805e-5179-46ab-a7cc-0eb89324e646">12.27</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="idc1d8f5cbcaa4928a1562689ca29d683_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtMy0xLTEtNzE0Nzc0_ec7914c5-d32c-4ad7-ba19-a8c3c34c4c90">2.96</ix:nonFraction>) %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i068a6648be5c43858e73296b4d834c31_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtNC0xLTEtNzE0Nzc0_52ed75e3-24a2-4e30-8264-6604bd1d7917">2.97</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i068a6648be5c43858e73296b4d834c31_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtNS0xLTEtNzE0Nzc0_3abcaa47-ca7c-4a42-ba00-26faafa1d034">3.28</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i068a6648be5c43858e73296b4d834c31_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtNi0xLTEtNzE0Nzc0_a501e91a-95ca-4de4-b4c7-be23b6e1d7f1">0.84</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92d4e7fcf4874124a8012f834d29f442_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtNy0xLTEtNzE0Nzc0_9ec0928c-d4df-4725-9c48-dc3aeae97bd8">7.59</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92d4e7fcf4874124a8012f834d29f442_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzMtOC0xLTEtNzE0Nzc0_1384faa9-3ce5-4e3f-8dcd-4eaad9d85c4c">10.00</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia9eef474e1c94343ac442a88e4d79e69_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtMS0xLTEtNzE0Nzc0_a9c18d21-fced-4110-bc2a-e2bb0dc79331">1.85</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia9eef474e1c94343ac442a88e4d79e69_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtMi0xLTEtNzE0Nzc0_d9efa463-b3c8-4957-8075-c1d136cef951">11.35</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ia9eef474e1c94343ac442a88e4d79e69_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtMy0xLTEtNzE0Nzc0_0c842711-7aa1-4932-8099-fdf9543bbc6e">0.61</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4bab6f8f86cc4955868fe43cb83edf21_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtNC0xLTEtNzE0Nzc0_b2e2ab7e-cf92-4e70-85c0-02b89608af0f">1.45</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4bab6f8f86cc4955868fe43cb83edf21_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtNS0xLTEtNzE0Nzc0_85587093-090d-48ec-8e25-13fcd7a6981c">3.04</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4bab6f8f86cc4955868fe43cb83edf21_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtNi0xLTEtNzE0Nzc0_881dcf7e-0295-404b-9707-70eb12f1e349">4.23</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5b079905a73b4b2aa449863bc2d571ec_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtNy0xLTEtNzE0Nzc0_725f0054-d990-4140-907c-51a070010164">6.61</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5b079905a73b4b2aa449863bc2d571ec_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzQtOC0xLTEtNzE0Nzc0_7c1c49ce-673a-424b-bd3b-bcc6ef4145f4">8.85</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i79702cc9bf644dffa4eac6f665a9b32b_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtMS0xLTEtNzE0Nzc0_7ea41590-260a-4282-96aa-37765d812200">3.60</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i79702cc9bf644dffa4eac6f665a9b32b_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtMi0xLTEtNzE0Nzc0_347b14f6-a195-4651-a88e-c2b8ec302477">9.75</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i79702cc9bf644dffa4eac6f665a9b32b_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtMy0xLTEtNzE0Nzc0_23d9f674-213f-4313-bdef-74c38095c3e4">1.58</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i512ec03aa76148c990459e06532e3b10_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtNC0xLTEtNzE0Nzc0_93226eea-e46f-4637-bbc1-a0d4d1e76bd9">2.33</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i512ec03aa76148c990459e06532e3b10_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtNS0xLTEtNzE0Nzc0_2126923a-42da-4195-95aa-8504ec83cbc8">2.99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i512ec03aa76148c990459e06532e3b10_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtNi0xLTEtNzE0Nzc0_0bf6b48c-78fc-44dd-a3d6-a20df2548133">3.07</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i215d22cb7107455b85e9a860d6c99f7e_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtNy0xLTEtNzE0Nzc0_ebf08773-d4a3-4925-ab30-86515fa2bbad">0.70</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i215d22cb7107455b85e9a860d6c99f7e_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzUtOC0xLTEtNzE0Nzc0_ae5443c3-1ddf-4109-b394-3e2742fffbb7">10.76</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44cc4e9f476e43d882a09f0d7bd74caf_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtMS0xLTEtNzE0Nzc0_918cba6f-9eee-442e-a24a-ed8e99331dc3">3.00</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44cc4e9f476e43d882a09f0d7bd74caf_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtMi0xLTEtNzE0Nzc0_7a76112c-755a-44d0-a490-6339e49cf3f9">8.36</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44cc4e9f476e43d882a09f0d7bd74caf_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtMy0xLTEtNzE0Nzc0_b3b91223-7ba5-45d7-a120-1355821ab871">1.67</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i70ce607441de4d7ebcc277d453f78f49_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtNC0xLTEtNzE0Nzc0_30a4157f-8d20-4f01-9635-3e5387299866">1.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i70ce607441de4d7ebcc277d453f78f49_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtNS0xLTEtNzE0Nzc0_b2754262-9af9-4fef-a058-43e7f57ef159">3.01</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i70ce607441de4d7ebcc277d453f78f49_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtNi0xLTEtNzE0Nzc0_c366582a-358b-499e-8c33-cd51f0744bc9">4.18</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie9a49adeb5fd4b75a3abd9912fb5d3ca_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtNy0xLTEtNzE0Nzc0_2946bfc8-f49c-4007-a79a-213b7cdbfce7">3.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie9a49adeb5fd4b75a3abd9912fb5d3ca_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzYtOC0xLTEtNzE0Nzc0_be1801ac-13ef-4570-83ef-fbbb717cec97">11.78</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1459f79769f74f3a8db900c117e7ad8b_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctMS0xLTEtNzE0Nzc0_7ac6890c-7cc7-48b2-bd3c-f7f8bd31b118">2.95</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1459f79769f74f3a8db900c117e7ad8b_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctMi0xLTEtNzE0Nzc0_bda4fcb5-22ea-4d57-a3c3-9ab3a8ba1705">7.02</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1459f79769f74f3a8db900c117e7ad8b_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctMy0xLTEtNzE0Nzc0_b097f0e9-edba-44dc-9692-4ec54c386f05">2.20</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie7f9ce724fbf44569af393b7f1ce93e8_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctNC0xLTEtNzE0Nzc0_38f87361-8d02-434d-93bd-13e0c838ebd8">1.78</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie7f9ce724fbf44569af393b7f1ce93e8_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctNS0xLTEtNzE0Nzc0_5ba3271c-862f-4540-85f5-20241fa55e08">3.01</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie7f9ce724fbf44569af393b7f1ce93e8_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctNi0xLTEtNzE0Nzc0_c0f6a45b-3fde-4077-9895-c2d1d52f8d12">3.26</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i99de361c9d1e4745b1ea205e4567afd8_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctNy0xLTEtNzE0Nzc0_6dafdafc-5340-4e52-aa2e-099a0ecd810a">3.90</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i99de361c9d1e4745b1ea205e4567afd8_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzctOC0xLTEtNzE0Nzc0_f7ae6089-5c0c-4b81-a9df-cd8fba4eb3b0">11.81</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id835d357012041c4a4cde74a04ad3ed0_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtMS0xLTEtNzE0Nzc0_0efb4b44-4bcd-4dfb-a6a8-32a125764f67">2.93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id835d357012041c4a4cde74a04ad3ed0_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtMi0xLTEtNzE0Nzc0_d95a6baf-fbeb-4394-b3f2-acb0d9184ce7">5.87</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id835d357012041c4a4cde74a04ad3ed0_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtMy0xLTEtNzE0Nzc0_2aeb70f9-7ec2-4c14-96c6-8ee33e7ee56b">2.31</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i47acf01a496b448aa89a83b2f7629b96_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtNC0xLTEtNzE0Nzc0_881f02e0-0873-4209-b13b-fd61156cdf2c">1.81</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i47acf01a496b448aa89a83b2f7629b96_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtNS0xLTEtNzE0Nzc0_ce1c6c88-3193-4c28-872e-64c04873ed27">3.00</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i47acf01a496b448aa89a83b2f7629b96_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtNi0xLTEtNzE0Nzc0_c010fe21-3cb4-4c7f-a539-e8493e2bad0a">4.39</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2708824f4e79466aa7c1d6a01706eca9_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtNy0xLTEtNzE0Nzc0_f2ae46cf-aeb9-41fc-bb7a-39ad06687b3d">3.86</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2708824f4e79466aa7c1d6a01706eca9_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo3NTFlMzM1ZGViMjY0YThjYjEwODk5OGNkMGEwNmNkZS90YWJsZXJhbmdlOjc1MWUzMzVkZWIyNjRhOGNiMTA4OTk4Y2QwYTA2Y2RlXzgtOC0xLTEtNzE0Nzc0_8237aa79-eada-433e-980e-bdf08cea882d">11.81</ix:nonFraction> %</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i54465566c346412bbb8f3f22beab9c09_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzItOS0xLTEtNzE0Nzc0_7a020251-7314-4afc-af81-9aa6425c6919">4.00</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i54465566c346412bbb8f3f22beab9c09_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzItMTAtMS0xLTcxNDc3NA_0ea4e3f9-a8a4-4813-a779-14e524b36653">7.67</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4f9fa7731209438f94a590e2cdfcb3c5_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzItMTEtMS0xLTcxNDc3NA_80e3f15f-5686-486b-b45a-ac85c61a99b2">7.42</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4f9fa7731209438f94a590e2cdfcb3c5_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzItMTItMS0xLTcxNDc3NA_5689ef0b-97e4-429b-b3a2-f27a2db740c0">11.97</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i499ccb7be4bf4e80bb9c0c3c3636cdae_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzItMTMtMS0xLTcxNDc3NA_0bb04824-a22a-4e62-bae9-348c2c48188b">8.78</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i499ccb7be4bf4e80bb9c0c3c3636cdae_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzItMTQtMS0xLTcxNDc3NA_e2d9ce83-c847-4a2b-96fb-8cbb33a0519d">11.41</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i129e47958b5940539f16e6be9d2da9de_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzMtOS0xLTEtNzE0Nzc0_da7b6758-9528-402b-9ef1-aef66fcef76b">5.12</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i129e47958b5940539f16e6be9d2da9de_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzMtMTAtMS0xLTcxNDc3NA_6d7a38ca-cac4-4636-98c6-4aa4a4f88f52">7.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia3a4cfe985244eebb2805c0b43340f6a_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzMtMTEtMS0xLTcxNDc3NA_187e267d-30ea-4821-9cbc-77881e6a5b73">3.86</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia3a4cfe985244eebb2805c0b43340f6a_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzMtMTItMS0xLTcxNDc3NA_ef177568-8f84-40df-979a-c801162a360d">9.39</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6f7d9fccfd00463dab82c65d43db198f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzMtMTMtMS0xLTcxNDc3NA_6bd93834-5c07-4058-9596-bfbac8a6bb57">2.04</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6f7d9fccfd00463dab82c65d43db198f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzMtMTQtMS0xLTcxNDc3NA_ce9e7e2e-0dfb-4a6c-86e9-9c4eb260debd">12.20</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ica640ec69e564a3aa30b567ddba414c3_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzQtOS0xLTEtNzE0Nzc0_a38dbdcd-4ab2-4d8a-8d0b-909cc92635a6">3.15</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ica640ec69e564a3aa30b567ddba414c3_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzQtMTAtMS0xLTcxNDc3NA_e7cb1de7-0b02-44f0-bc73-fddec445b116">6.79</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i84fa5bbc8fa3407f84cab0b7dca98b0b_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzQtMTEtMS0xLTcxNDc3NA_50fd62b4-2cdb-4856-b525-b377748be6ba">1.02</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i84fa5bbc8fa3407f84cab0b7dca98b0b_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzQtMTItMS0xLTcxNDc3NA_6736a989-b808-44a2-9721-9f5fa316f23d">7.68</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8be99f34c2ab473dadd72361e03dcb97_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzQtMTMtMS0xLTcxNDc3NA_87f0baff-80e0-4be2-9ae5-9453524b586d">2.07</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8be99f34c2ab473dadd72361e03dcb97_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzQtMTQtMS0xLTcxNDc3NA_2d45265e-7238-4540-a9a1-e29d9c56ed39">12.77</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i497995a4c7ab4475a455702bc0f46d4d_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzUtOS0xLTEtNzE0Nzc0_a5e30b1d-4efd-4ff3-95ab-d83c688c5510">2.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i497995a4c7ab4475a455702bc0f46d4d_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzUtMTAtMS0xLTcxNDc3NA_0845aa0a-e34a-477b-8206-9fc6aedf357d">6.60</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i60cf7ed3f4f242ba88caad0164d4ec63_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzUtMTEtMS0xLTcxNDc3NA_3aec3381-cca8-45f0-a59a-94c94b1d808d">2.79</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i60cf7ed3f4f242ba88caad0164d4ec63_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzUtMTItMS0xLTcxNDc3NA_fb9232b5-8f10-4f9d-ba8d-12eb95dc8477">6.77</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib97365dfa37e4168aceb55db1a2614ef_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzUtMTMtMS0xLTcxNDc3NA_3804b92c-7f4e-4a05-b99f-a4b27bdd87dd">2.44</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib97365dfa37e4168aceb55db1a2614ef_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzUtMTQtMS0xLTcxNDc3NA_910d7d10-ffb6-4040-9564-5f3e756fce85">12.65</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i037faa0d086e4aedad69e2e6f2565fb8_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzYtOS0xLTEtNzE0Nzc0_cdf7607d-4017-41eb-bf61-0805810a51ae">2.21</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i037faa0d086e4aedad69e2e6f2565fb8_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzYtMTAtMS0xLTcxNDc3NA_16b7c261-0c6d-46b3-8276-0fe82f58257a">6.52</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i61a32a1fdf8349ec92669fe6c503bf9e_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzYtMTEtMS0xLTcxNDc3NA_e63b1529-a2a6-47e3-bd57-f9c80b2134d4">2.87</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i61a32a1fdf8349ec92669fe6c503bf9e_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzYtMTItMS0xLTcxNDc3NA_a2c180c7-0ef8-4fa9-82f4-d8fb8195a9d0">6.89</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8df27966613d4bcea2618019c0960806_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzYtMTMtMS0xLTcxNDc3NA_6172bb53-16b6-4d31-8733-58309882b9b2">3.11</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8df27966613d4bcea2618019c0960806_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzYtMTQtMS0xLTcxNDc3NA_6414c02b-fce9-4f0b-b600-b290d69cb972">12.15</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1f79e0933a0c4490adda4f0283a2635a_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzctOS0xLTEtNzE0Nzc0_796c9662-0ee0-420f-82c2-a2f85eeda07e">2.21</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1f79e0933a0c4490adda4f0283a2635a_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzctMTAtMS0xLTcxNDc3NA_a232c5ca-d718-4fb3-a4f3-c23ca3feb3c0">6.49</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic9f1fa2af76444cfa67f20cbf2c86b4c_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzctMTEtMS0xLTcxNDc3NA_7c2d8b8b-fd97-4767-bb7e-5e5a7af3c7f2">3.62</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic9f1fa2af76444cfa67f20cbf2c86b4c_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzctMTItMS0xLTcxNDc3NA_3006e367-b1cf-4b33-8d95-cd62516a5c4e">6.81</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6244c9e6dd2f4f14a84d8706592f859d_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzctMTMtMS0xLTcxNDc3NA_979c260f-a0c1-4806-963b-8f46d44b5461">3.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6244c9e6dd2f4f14a84d8706592f859d_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTplZTFmNzk1YjYxOWE0YzY3OGNkNzJhMjdmYjMwNGYzNS90YWJsZXJhbmdlOmVlMWY3OTViNjE5YTRjNjc4Y2Q3MmEyN2ZiMzA0ZjM1XzctMTQtMS0xLTcxNDc3NA_19d96181-3b8c-4226-bca1-bb67cfa4650a">10.47</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzEzNTM_1c625b6b-b4f0-4b14-be17-8084b3d76098" escape="true"><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.850%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Base scenario of GDP, unemployment rate and HPI for the main geographies</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9e21d1a859a44899a99d34ef53d1030f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtMS0xLTEtNzE0Nzc0_634407d0-694c-42df-befb-a99de88852de">4.61</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9e21d1a859a44899a99d34ef53d1030f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtMi0xLTEtNzE0Nzc0_65d2d15f-1bd9-4341-812a-c78364a509c5">12.78</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i9e21d1a859a44899a99d34ef53d1030f_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtMy0xLTEtNzE0Nzc0_c5d76007-b29c-422c-929e-1caa8cef8a32">3.50</ix:nonFraction>) %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e632ef1d2e24afd9bc9eb44ee50b628_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtNC0xLTEtNzE0Nzc0_4ba82917-8989-4408-a56c-39042bc46522">2.56</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e632ef1d2e24afd9bc9eb44ee50b628_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtNS0xLTEtNzE0Nzc0_0ee2de16-fffa-4f30-be1d-e2a1c5ad7bbb">3.32</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e632ef1d2e24afd9bc9eb44ee50b628_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtNi0xLTEtNzE0Nzc0_20397717-4eba-44da-839b-abb1d15b1f4d">0.95</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idcad4729e9b84418900be356e3513d6f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtNy0xLTEtNzE0Nzc0_9fe7af3a-55cf-4f12-af80-27abfe75a7c8">5.47</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idcad4729e9b84418900be356e3513d6f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzMtOC0xLTEtNzE0Nzc0_de1a0d05-b48f-42ef-9e0a-2f3500fa5e05">10.53</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i623d29031f9e48f297b665dbe0db8d77_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtMS0xLTEtNzE0Nzc0_7d5ffda7-0f95-43d4-89d5-25477ff62ee8">1.20</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i623d29031f9e48f297b665dbe0db8d77_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtMi0xLTEtNzE0Nzc0_fa9125c1-c394-4183-9208-51662f390691">12.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i623d29031f9e48f297b665dbe0db8d77_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtMy0xLTEtNzE0Nzc0_e24699d9-00f3-4879-afaf-e267b42bcafd">2.41</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7b3cae75f3fc4b20ba585a2300fabfee_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtNC0xLTEtNzE0Nzc0_3d24a2cb-5b44-48cd-b9e0-dd4db4ebf9d5">0.58</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7b3cae75f3fc4b20ba585a2300fabfee_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtNS0xLTEtNzE0Nzc0_4f6130b0-a906-4444-b701-46dbd6d11fc4">3.20</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7b3cae75f3fc4b20ba585a2300fabfee_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtNi0xLTEtNzE0Nzc0_9141193a-bc15-45f9-85f0-ca4f9d2867d3">4.14</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i57577dbb21ca47eab9ca79c6aae5eb89_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtNy0xLTEtNzE0Nzc0_fed92d4d-e5c4-4747-89c1-21dc9957164e">3.02</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i57577dbb21ca47eab9ca79c6aae5eb89_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzQtOC0xLTEtNzE0Nzc0_2045b282-0e27-4244-b4d9-ec080db016a8">10.30</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id1f1a17de5de49b9b4bd32b69628482b_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtMS0xLTEtNzE0Nzc0_a3f2e877-e638-4a8b-a0b0-c82342c7ac85">3.37</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id1f1a17de5de49b9b4bd32b69628482b_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtMi0xLTEtNzE0Nzc0_ef166052-678a-45b9-a126-6caf5fb36baf">11.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id1f1a17de5de49b9b4bd32b69628482b_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtMy0xLTEtNzE0Nzc0_c4253869-d71e-4503-9fb2-95c534865564">0.55</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i78e3ed5ebe7546968aab1c4d118652cf_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtNC0xLTEtNzE0Nzc0_bc4a9150-a971-43ed-a5ee-939a5b2e2d92">2.05</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i78e3ed5ebe7546968aab1c4d118652cf_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtNS0xLTEtNzE0Nzc0_b4c07594-b70d-4f04-878b-76c2164ab06e">3.17</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i78e3ed5ebe7546968aab1c4d118652cf_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtNi0xLTEtNzE0Nzc0_cbc50943-572b-43ee-93e9-b34b7e3c4863">2.90</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i9bd6f60ed3404746aa8cbdc916961c0f_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtNy0xLTEtNzE0Nzc0_8e19d524-3009-4e18-b9b3-7f5fc3df9dd9">1.50</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9bd6f60ed3404746aa8cbdc916961c0f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzUtOC0xLTEtNzE0Nzc0_51446d4a-bac0-4fe4-b1cb-2d097c79a4dd">11.75</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iea726dd0da004216835a4a017eeafdf7_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtMS0xLTEtNzE0Nzc0_8f3e794e-1235-4e03-8a36-fd4844cb9463">2.98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iea726dd0da004216835a4a017eeafdf7_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtMi0xLTEtNzE0Nzc0_a791afb8-ad50-4830-8013-f7fcb0ff7c48">9.95</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iea726dd0da004216835a4a017eeafdf7_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtMy0xLTEtNzE0Nzc0_380ad0f8-2da5-4340-86d2-69dcfe1a5b40">1.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i290bdbf94cfa444e8e5bc3b406b84d4d_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtNC0xLTEtNzE0Nzc0_1d70195c-1142-4913-b7d2-b66d42d1a178">1.84</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i290bdbf94cfa444e8e5bc3b406b84d4d_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtNS0xLTEtNzE0Nzc0_d368c6e4-1c09-4187-a826-3de483356c3b">3.15</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i290bdbf94cfa444e8e5bc3b406b84d4d_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtNi0xLTEtNzE0Nzc0_6f16e9b8-24cb-4a13-8b4f-15c34f3c7822">4.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibfee73f5893549c1a531e9d2f947d1b3_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtNy0xLTEtNzE0Nzc0_cb4d38d6-c716-49d4-b2f7-63c843b73717">3.78</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibfee73f5893549c1a531e9d2f947d1b3_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzYtOC0xLTEtNzE0Nzc0_0603a71d-e814-40c1-a48a-8fc05d7c74af">12.15</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc65b4cf0ca543ff80f3e0ba493b0fd0_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctMS0xLTEtNzE0Nzc0_34b26829-3a7e-4ef3-8ee5-89405a202b43">2.95</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc65b4cf0ca543ff80f3e0ba493b0fd0_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctMi0xLTEtNzE0Nzc0_6b55a486-bdd7-43c4-a3a4-2f33cb5165c1">8.58</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc65b4cf0ca543ff80f3e0ba493b0fd0_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctMy0xLTEtNzE0Nzc0_ce25b7ac-67d8-4bc1-98c1-14e0f8c0cc1c">1.74</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83a6007f25f84af4b97077c8921f4051_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctNC0xLTEtNzE0Nzc0_3dc4a1f3-3f42-4d1d-9426-fa369873200a">1.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83a6007f25f84af4b97077c8921f4051_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctNS0xLTEtNzE0Nzc0_d3187a64-5b14-4888-b60d-9dad791fc316">3.14</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83a6007f25f84af4b97077c8921f4051_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctNi0xLTEtNzE0Nzc0_cd21d666-c65e-4b48-9b16-ad0461514b0a">3.27</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i43d9092f07e240ed8eb721d10f36c191_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctNy0xLTEtNzE0Nzc0_6756145b-5759-4cc1-9f69-ef3bc78b2919">3.78</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i43d9092f07e240ed8eb721d10f36c191_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzctOC0xLTEtNzE0Nzc0_6104ee20-32fd-42a5-87e0-fe03cd74f616">12.00</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic07ca836d1e1411cb7dbb5d4a12cc35e_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtMS0xLTEtNzE0Nzc0_c801391b-53ab-47cc-97da-87ea83af712f">2.93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic07ca836d1e1411cb7dbb5d4a12cc35e_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtMi0xLTEtNzE0Nzc0_bfc2366c-8f7d-4992-bc41-2df301f261e3">7.18</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic07ca836d1e1411cb7dbb5d4a12cc35e_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtMy0xLTEtNzE0Nzc0_8e40d252-4d3a-49d2-9275-ae690fc4ebd8">1.86</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i69b19e7e59bc4ae198c53996492b155f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtNC0xLTEtNzE0Nzc0_328b208b-3b6c-4bb9-b9d3-4d4354df813a">1.79</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i69b19e7e59bc4ae198c53996492b155f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtNS0xLTEtNzE0Nzc0_3a38d62d-d36e-40ef-a523-f9894543a9db">3.13</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i69b19e7e59bc4ae198c53996492b155f_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtNi0xLTEtNzE0Nzc0_6d40e119-13f6-4fe5-9a23-b326c7272046">4.37</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i95efd3e04e3f4f81a8d20516553011df_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtNy0xLTEtNzE0Nzc0_3d98bb21-1d70-4f3e-ada2-6c047a6ae12d">3.74</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i95efd3e04e3f4f81a8d20516553011df_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo0ODRhMTU1NjU4YmU0NWYwYmVmZjcyMmE2ZTg5ZTM0Zi90YWJsZXJhbmdlOjQ4NGExNTU2NThiZTQ1ZjBiZWZmNzIyYTZlODllMzRmXzgtOC0xLTEtNzE0Nzc0_2903aacd-a0b6-4691-8050-dd7db13d9d59">12.00</ix:nonFraction> %</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"><tr><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.131%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id24687bba9d04fce9ea40dea3fa6af8f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzItMS0xLTEtNzE0Nzc0_4ac9bf5c-61c2-4b87-b49d-ef6d54365634">2.69</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id24687bba9d04fce9ea40dea3fa6af8f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzItMi0xLTEtNzE0Nzc0_a9e12fb1-b491-4535-bcc8-0fadd5aa18b0">7.72</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3a7f5e77432640d59e221f9db62db96d_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzItMy0xLTEtNzE0Nzc0_280a8089-0a6f-4aa9-90ba-c4cf147d8883">5.00</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3a7f5e77432640d59e221f9db62db96d_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzItNC0xLTEtNzE0Nzc0_f2687452-ed54-4a33-a1bd-cd5a52323a56">12.35</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i69300082ffd84e0fa31824403a35c226_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzItNS0xLTEtNzE0Nzc0_607db53c-4361-4aa1-8c26-1e7470ad70f3">8.05</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i69300082ffd84e0fa31824403a35c226_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzItNi0xLTEtNzE0Nzc0_5e840951-d468-4e36-bbff-30f58078fc2a">11.49</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaac8d8ac4220455e85451b275dcff8b4_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzMtMS0xLTEtNzE0Nzc0_e273fce7-edbc-4f37-8965-16b43dc83627">2.54</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaac8d8ac4220455e85451b275dcff8b4_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzMtMi0xLTEtNzE0Nzc0_633cd32c-e8a1-4af9-9b36-c7f0a4365c74">7.48</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="iaf369bdbc5c949f89a6cb782d79c9737_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzMtMy0xLTEtNzE0Nzc0_5a5b5a55-c183-4c0d-9790-84ae0e6e74af">0.50</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf369bdbc5c949f89a6cb782d79c9737_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzMtNC0xLTEtNzE0Nzc0_1c73c8ca-0e22-4925-9242-5ec485aed3e2">10.40</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibc21e9ea0f5646c894397dafbfc79015_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzMtNS0xLTEtNzE0Nzc0_80e4fd63-4e2b-43ca-93bb-28f1b9b3cf43">0.72</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibc21e9ea0f5646c894397dafbfc79015_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzMtNi0xLTEtNzE0Nzc0_e31ab5c2-6830-4ef1-99b7-d8a95b532728">12.45</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3be1b49980744e97b8a6cc1182afded2_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzQtMS0xLTEtNzE0Nzc0_f48a41ba-85a9-46f8-a4e0-4a92175ee5ff">2.42</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3be1b49980744e97b8a6cc1182afded2_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzQtMi0xLTEtNzE0Nzc0_439b6c3e-0e3c-4dbc-94a7-d33133e940d7">7.03</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i443231a904cb405f9e131f84a52a8e75_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzQtMy0xLTEtNzE0Nzc0_4c48bbb2-e30f-492a-bdec-46acfd8cd376">2.04</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i443231a904cb405f9e131f84a52a8e75_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzQtNC0xLTEtNzE0Nzc0_9ee47212-7e5d-4267-9578-cb8190c8f630">8.60</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i15df4a2c7ca74e4ca056dc64ed69ac03_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzQtNS0xLTEtNzE0Nzc0_dfe8569a-ed2f-4aac-8448-ff6cd3d5a360">1.81</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i15df4a2c7ca74e4ca056dc64ed69ac03_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzQtNi0xLTEtNzE0Nzc0_b3abc97f-9c0e-423a-98e4-193951e8b95a">13.06</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ief4ef81a580d4f68ba2e852a9da702a2_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzUtMS0xLTEtNzE0Nzc0_4d3c2846-742c-4b75-8755-3a6fdb681ab5">2.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ief4ef81a580d4f68ba2e852a9da702a2_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzUtMi0xLTEtNzE0Nzc0_9c127d65-9a87-4ea1-8aad-f80fd39c91a6">6.80</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia32dfbe557df413288ecbf55524ce7b3_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzUtMy0xLTEtNzE0Nzc0_7689b6af-32fd-44a6-b91c-f85e4f938060">2.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia32dfbe557df413288ecbf55524ce7b3_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzUtNC0xLTEtNzE0Nzc0_df1d9bf5-0bb8-4f6c-846c-4003494c5995">7.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1c815ac8502a4b319588c5f48a7566c5_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzUtNS0xLTEtNzE0Nzc0_bcbbf227-ddc7-4a93-9051-c40eecea3f7f">2.44</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1c815ac8502a4b319588c5f48a7566c5_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzUtNi0xLTEtNzE0Nzc0_9644d917-253a-4bff-85a4-454b77e8916c">12.94</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83cc3ea08eb64243ad529dcc4669a64e_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzYtMS0xLTEtNzE0Nzc0_b8203110-1f3f-493c-9e28-4c767cfc5ff3">2.21</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83cc3ea08eb64243ad529dcc4669a64e_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzYtMi0xLTEtNzE0Nzc0_676a2f98-52b1-435f-a798-c76d7d537fff">6.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib3bcd1f8b3e1489dba7d744613e7692b_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzYtMy0xLTEtNzE0Nzc0_4816ef60-d5a9-4d1f-8c57-67a7b39f7adf">2.73</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib3bcd1f8b3e1489dba7d744613e7692b_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzYtNC0xLTEtNzE0Nzc0_998643b9-508b-4726-b267-21f9dd64011d">7.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icb986ab0a18644b99169af7f32cf5e05_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzYtNS0xLTEtNzE0Nzc0_16650f98-4c8f-401d-bbf2-f80cdf37f589">3.10</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icb986ab0a18644b99169af7f32cf5e05_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzYtNi0xLTEtNzE0Nzc0_a617a86c-0e04-4108-aed3-4cbc17a15ad8">12.43</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie512ad18ea174a1c85a195cae3d22b8c_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzctMS0xLTEtNzE0Nzc0_ee49a547-4963-44ec-a1dc-67268a943df5">2.21</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie512ad18ea174a1c85a195cae3d22b8c_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzctMi0xLTEtNzE0Nzc0_f33ccaee-1f4e-46d4-acb9-2423046cbf60">6.68</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3a1ef2ee3de941c4930fda82b9723dcd_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzctMy0xLTEtNzE0Nzc0_fd4e16f6-133a-4918-bdf5-ae18d8cbae49">3.49</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3a1ef2ee3de941c4930fda82b9723dcd_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzctNC0xLTEtNzE0Nzc0_2f81ef77-be36-4637-a710-3c5a312f73d1">7.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie536d7838d6d4b28970416b4bfcf9d0a_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzctNS0xLTEtNzE0Nzc0_a6aec232-edfa-4f18-bbce-e3f47eb23d6c">3.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie536d7838d6d4b28970416b4bfcf9d0a_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo4ZTc2NTRjMDExNzU0YmY2OTc3YTFhOGVhNjY3OGNlYy90YWJsZXJhbmdlOjhlNzY1NGMwMTE3NTRiZjY5NzdhMWE4ZWE2Njc4Y2VjXzctNi0xLTEtNzE0Nzc0_091ab2c9-4fc0-4116-94f8-7c72abaf6ac6">10.65</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-58</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia1f6ad93ffe14c57a1a27ccf01f9b6b0" continuedAt="ia63f909952aa4067893542ced602be69"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzEzNDc_6d0c546c-6bbc-4748-9549-22ee2a467ed5" escape="true"><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.767%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:bottom"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Negative scenario of GDP, unemployment rate and HPI for the main geographies</span></td></tr><tr style="height:12pt"><td colspan="27" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib3fa7b57e9494f8f846888667cc37798_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtMS0xLTEtNzE0Nzc0_fbc6f0cc-4407-4f1a-96fd-516d72c0cf06">4.33</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib3fa7b57e9494f8f846888667cc37798_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtMi0xLTEtNzE0Nzc0_3e1c7b69-69ec-4105-b835-d11b11f7685c">13.26</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ib3fa7b57e9494f8f846888667cc37798_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtMy0xLTEtNzE0Nzc0_3f4f8de6-9a36-49a3-bc3c-d940b4770c20">4.13</ix:nonFraction>) %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7277604ee974400d987c0b717dc07245_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtNC0xLTEtNzE0Nzc0_0f27b63c-188b-4143-b351-604202efc316">2.17</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7277604ee974400d987c0b717dc07245_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtNS0xLTEtNzE0Nzc0_bcd3595a-c890-487c-8d7a-7e843660af8a">3.37</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7277604ee974400d987c0b717dc07245_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtNi0xLTEtNzE0Nzc0_77cbcd1e-a0d2-4a56-b387-eea042bfe758">1.03</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7c41677078504c29b797af02e462a3dc_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtNy0xLTEtNzE0Nzc0_124a74ea-b140-4ba0-abbe-da8bf33300e1">3.35</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7c41677078504c29b797af02e462a3dc_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzQtOC0xLTEtNzE0Nzc0_f46916df-fee4-44bf-98c7-6c67333c91ab">11.04</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf8550c9c8ce4a37b3a2f12944ce4e4f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtMS0xLTEtNzE0Nzc0_68c67a77-dc9b-4bc4-84d0-4c88d4242e7f">0.58</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf8550c9c8ce4a37b3a2f12944ce4e4f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtMi0xLTEtNzE0Nzc0_9c727dbe-6e6e-499a-be88-ffb29a34af07">14.26</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="iaf8550c9c8ce4a37b3a2f12944ce4e4f_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtMy0xLTEtNzE0Nzc0_76a027a3-6d41-41f5-aeeb-ce73e192a591">4.02</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="idc47e88f52ba4a36a6eddd9957f311d4_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtNC0xLTEtNzE0Nzc0_d809a216-97fa-4169-b156-b90510e198d4">0.28</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc47e88f52ba4a36a6eddd9957f311d4_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtNS0xLTEtNzE0Nzc0_58b052fb-6fd9-4a2e-abd3-d03729623ae6">3.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc47e88f52ba4a36a6eddd9957f311d4_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtNi0xLTEtNzE0Nzc0_c5be646a-2438-4de3-a630-10a6982309d1">3.97</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i663fc816a24946c4aef2aa94b5ab999f_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtNy0xLTEtNzE0Nzc0_7fe2312d-aa75-4a80-9c67-249d93935135">0.79</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i663fc816a24946c4aef2aa94b5ab999f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzUtOC0xLTEtNzE0Nzc0_fbfc79a3-1f0e-4d48-8721-e3ce06907e26">11.76</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib86f0a709d654363ab95745d04284dd1_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtMS0xLTEtNzE0Nzc0_8b217523-4115-423a-a0fe-b4501ad0ac82">3.15</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib86f0a709d654363ab95745d04284dd1_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtMi0xLTEtNzE0Nzc0_25ce468b-e31d-4f76-beb6-b8913b44b1cd">12.95</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ib86f0a709d654363ab95745d04284dd1_I20221231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtMy0xLTEtNzE0Nzc0_28149492-b149-4168-b45b-164301cbd3a4">0.40</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i899e0c3c3b584dfc8d742455c4db3bdd_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtNC0xLTEtNzE0Nzc0_6a63c3c9-5be2-4cd5-9100-cc36dd9fe870">1.77</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i899e0c3c3b584dfc8d742455c4db3bdd_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtNS0xLTEtNzE0Nzc0_4e1cbb0c-0f9f-4833-bd23-63e0996acb59">3.35</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i899e0c3c3b584dfc8d742455c4db3bdd_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtNi0xLTEtNzE0Nzc0_9b7d4157-464f-412d-b1e4-a1e7f6e6ce52">2.69</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ie4128eccc6c145ed8b04120b89556ab1_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtNy0xLTEtNzE0Nzc0_4702bbdb-2f52-48c8-85c0-cea43ecab7e8">2.49</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie4128eccc6c145ed8b04120b89556ab1_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzYtOC0xLTEtNzE0Nzc0_cd68171b-267b-451e-b9a2-5cbd23d2f6ab">12.82</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i562ebf9d14894b66b4c63957ac82da4d_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctMS0xLTEtNzE0Nzc0_78c6c1aa-a327-4009-be4d-ddc472e430ad">2.93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i562ebf9d14894b66b4c63957ac82da4d_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctMi0xLTEtNzE0Nzc0_b155b137-0748-4270-b1b7-ef7c4732586f">11.53</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i562ebf9d14894b66b4c63957ac82da4d_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctMy0xLTEtNzE0Nzc0_d9191030-ed20-400d-a781-9ceca207a056">0.79</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibb30edb7fb5246589f83aa468e63c529_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctNC0xLTEtNzE0Nzc0_7c04dd4e-b527-4dfe-b116-c57da9f4acdb">1.77</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibb30edb7fb5246589f83aa468e63c529_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctNS0xLTEtNzE0Nzc0_4a7fb9f7-788f-4666-853b-e51f8f61aa80">3.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibb30edb7fb5246589f83aa468e63c529_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctNi0xLTEtNzE0Nzc0_c0281fd9-b9b5-46f7-9563-0c3459efd123">4.04</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i43596d00156e413785c99314caf42ae9_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctNy0xLTEtNzE0Nzc0_08392a40-325e-4085-adfe-a319af546cc3">3.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i43596d00156e413785c99314caf42ae9_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzctOC0xLTEtNzE0Nzc0_331fd6df-aa4f-46da-8a1c-8b2cb44f8504">12.53</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9a476dcd4c6745bd9a093a400207fb28_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtMS0xLTEtNzE0Nzc0_3ee6dbdc-6603-48ec-9f25-ccc76ce50dd0">2.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9a476dcd4c6745bd9a093a400207fb28_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtMi0xLTEtNzE0Nzc0_088d87f7-e439-44cc-8568-0b53d43abe3b">10.14</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9a476dcd4c6745bd9a093a400207fb28_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtMy0xLTEtNzE0Nzc0_03a1331d-9958-4ee4-8fd4-468c84f5ccf7">0.99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8b39bdbdb8e7424f90b78ed8a27e10ff_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtNC0xLTEtNzE0Nzc0_664bc102-0c33-4df1-ac4a-5a2e1d6cd453">1.72</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8b39bdbdb8e7424f90b78ed8a27e10ff_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtNS0xLTEtNzE0Nzc0_a8906bd6-3a42-4d76-b266-41989a444603">3.27</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8b39bdbdb8e7424f90b78ed8a27e10ff_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtNi0xLTEtNzE0Nzc0_27d2ba29-4192-4923-b140-e2c2c168bc84">3.24</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8245db547d274a7aa2ec8c7bebe7f216_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtNy0xLTEtNzE0Nzc0_f61d201f-e586-45d3-85cf-e07a29be8897">3.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8245db547d274a7aa2ec8c7bebe7f216_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzgtOC0xLTEtNzE0Nzc0_0dd2ae6d-2cfd-49c2-923e-cfd4d0c00a37">12.19</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iec7050a1040146f5bcabf5921b459d79_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktMS0xLTEtNzE0Nzc0_7ff01c19-45c9-4a21-97b5-31e17f0d7083">2.89</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iec7050a1040146f5bcabf5921b459d79_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktMi0xLTEtNzE0Nzc0_71159e54-bf39-40bf-b7cf-d4d660a2b747">8.77</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iec7050a1040146f5bcabf5921b459d79_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktMy0xLTEtNzE0Nzc0_b8586979-8b17-4834-be7c-4ca25e37202c">1.10</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifc0eb54e8e91401e94b82a91243af9ca_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktNC0xLTEtNzE0Nzc0_5599069e-4caf-4904-9ef2-544c26de2474">1.75</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifc0eb54e8e91401e94b82a91243af9ca_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktNS0xLTEtNzE0Nzc0_a8c2e1fe-8ff6-4242-b837-10c0eb6c5d9d">3.26</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifc0eb54e8e91401e94b82a91243af9ca_I20221231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktNi0xLTEtNzE0Nzc0_0573de2c-a085-4581-82e6-98b44144dce0">4.37</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83ec3896c6dd4ed885aa30e708d881bb_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktNy0xLTEtNzE0Nzc0_131ac6f7-06cb-41ed-87fe-8a8a367ac5a3">3.66</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83ec3896c6dd4ed885aa30e708d881bb_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpiMzExYWQyNjhjZWY0ZjA0YjQxODllNTcwNmFlOWU2MS90YWJsZXJhbmdlOmIzMTFhZDI2OGNlZjRmMDRiNDE4OWU1NzA2YWU5ZTYxXzktOC0xLTEtNzE0Nzc0_03e14371-17b1-4141-8943-662a3911f99b">12.16</ix:nonFraction> %</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:7.737%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.093%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.093%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.093%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.093%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.093%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.098%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i22b9750540b94002a56534955c618b75_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzItOS0xLTEtNzE0Nzc0_bba7eb51-6f06-4a06-b437-b14465606f38">1.39</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i22b9750540b94002a56534955c618b75_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzItMTAtMS0xLTcxNDc3NA_c6c85b95-80a7-4fa0-902e-e9bbc84e0047">7.77</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9e648e74b8dc4d8d9ff62d0302e3d8fd_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzItMTEtMS0xLTcxNDc3NA_d4beb6c6-b490-489d-812a-eac6a308cff5">2.66</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9e648e74b8dc4d8d9ff62d0302e3d8fd_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzItMTItMS0xLTcxNDc3NA_84a21e25-fea8-4d4d-8b89-026c456c76ce">12.71</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic7480201db114df784974bba99d839e2_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzItMTMtMS0xLTcxNDc3NA_0a6d587f-216f-4ee0-a439-00f0afae14d1">7.30</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic7480201db114df784974bba99d839e2_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzItMTQtMS0xLTcxNDc3NA_605df8ba-c5e9-4bc1-a1c6-51859c4ee846">11.57</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="id6562e17cb4c475b9a10a8494ed0c6f5_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzMtOS0xLTEtNzE0Nzc0_7a7d378d-bf3f-4615-a5be-9e72c2d84f41">0.05</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id6562e17cb4c475b9a10a8494ed0c6f5_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzMtMTAtMS0xLTcxNDc3NA_810712b8-e7f5-4efc-9d3c-656ff6790899">7.69</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i3118a1c6582f4fd5b06de52202e711e8_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzMtMTEtMS0xLTcxNDc3NA_407ad714-2755-434c-bae1-cf83f0da789b">5.10</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3118a1c6582f4fd5b06de52202e711e8_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzMtMTItMS0xLTcxNDc3NA_720ac64e-6e5d-49f0-9e37-d9147644f49f">11.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ib81427f2148c40a09841e44eafe441a2_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzMtMTMtMS0xLTcxNDc3NA_ec066567-fa03-4971-bd4f-52959fcdfae8">0.59</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib81427f2148c40a09841e44eafe441a2_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzMtMTQtMS0xLTcxNDc3NA_f386ecff-b504-4e25-acdf-9e5307cedd11">12.71</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id88600f493b341a0a26444b14f31312f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzQtOS0xLTEtNzE0Nzc0_650065f1-4726-4be8-bff2-24ef274880c4">1.67</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id88600f493b341a0a26444b14f31312f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzQtMTAtMS0xLTcxNDc3NA_29aee834-51a8-4a5d-8e69-40c6a74f4dfa">7.27</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i0c65e877120546bd9afe9da0317eed19_I20221231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzQtMTEtMS0xLTcxNDc3NA_a12b3506-14e0-4c3c-8adf-f6ffddfae16a">3.29</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0c65e877120546bd9afe9da0317eed19_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzQtMTItMS0xLTcxNDc3NA_bca0ed11-83e0-4b2a-8890-39160610cac6">9.49</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e53dd2a54a941449097e437e19a6b0f_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzQtMTMtMS0xLTcxNDc3NA_16f23541-a452-47c6-991b-eeae145add56">1.50</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e53dd2a54a941449097e437e19a6b0f_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzQtMTQtMS0xLTcxNDc3NA_f1d23778-d1c1-4635-8685-79ab4fc66f2f">13.34</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id4b52f9394a647b688ff11e9c25f4556_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzUtOS0xLTEtNzE0Nzc0_40b9ea03-6d98-4a72-ac0a-d1d17a49280e">2.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id4b52f9394a647b688ff11e9c25f4556_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzUtMTAtMS0xLTcxNDc3NA_965fd11b-7e9b-47d0-9cd4-312dbbc2093e">7.02</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iecb0e7f40d5a4fb7be0d662ffbd8f0ab_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzUtMTEtMS0xLTcxNDc3NA_347db773-5f05-43a7-b813-0e72dc3fee38">2.59</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iecb0e7f40d5a4fb7be0d662ffbd8f0ab_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzUtMTItMS0xLTcxNDc3NA_bd3055db-c832-4df2-b090-0ffabe90d549">7.97</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i700842de75554ef08fef210501c2f096_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzUtMTMtMS0xLTcxNDc3NA_783033da-4efb-4cd4-a055-73616a7f9292">2.44</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i700842de75554ef08fef210501c2f096_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzUtMTQtMS0xLTcxNDc3NA_ee0221ef-9dff-43f0-a4f9-c9c32c38440c">13.21</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3662783c1cc04213a6576f8cc81db509_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzYtOS0xLTEtNzE0Nzc0_007c792e-8756-40a5-9859-91afa7098cae">2.21</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3662783c1cc04213a6576f8cc81db509_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzYtMTAtMS0xLTcxNDc3NA_430a3bc4-e7a2-4ed8-a886-5372ee3a6133">6.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic9755b07b4014e448e1d5893cbda0f65_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzYtMTEtMS0xLTcxNDc3NA_cf7a2042-17cd-4b56-9c47-389e422bd4a1">2.57</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic9755b07b4014e448e1d5893cbda0f65_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzYtMTItMS0xLTcxNDc3NA_4e4efa33-e0d2-456a-8c9a-eef2d7a830e5">7.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib28bdc6f84624be994e2c518f5cb7202_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzYtMTMtMS0xLTcxNDc3NA_8712a66d-1069-4fc4-a3f3-e7cff8daba43">3.10</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib28bdc6f84624be994e2c518f5cb7202_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzYtMTQtMS0xLTcxNDc3NA_79e7b13d-1515-47e2-89ef-7edec677f8c5">12.70</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i35943c2d335642dc87fa6aec2e18a061_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzctOS0xLTEtNzE0Nzc0_054d2f00-81bf-43e3-b9ae-3abec6845371">2.21</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i35943c2d335642dc87fa6aec2e18a061_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzctMTAtMS0xLTcxNDc3NA_ee1e1127-7fe6-4e05-a790-f19b2512bbab">6.88</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ab58c91dfb54d2e80f078842afe7963_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzctMTEtMS0xLTcxNDc3NA_93cf4dd2-a8d3-456c-9b58-c4d16b30c286">3.33</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ab58c91dfb54d2e80f078842afe7963_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzctMTItMS0xLTcxNDc3NA_7c6c78dc-f1fc-49e1-be34-d20122278fb4">7.78</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i09f8302b09b94e1caaf4f7fde173b927_I20221231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzctMTMtMS0xLTcxNDc3NA_58e9331e-202d-4f5a-b8ac-54e71dd294fb">3.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i09f8302b09b94e1caaf4f7fde173b927_I20221231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTozZWEyZDcwMDdkOTc0NjNmYmQ1NWY0Y2JkZjJiYzdhNi90YWJsZXJhbmdlOjNlYTJkNzAwN2Q5NzQ2M2ZiZDU1ZjRjYmRmMmJjN2E2XzctMTQtMS0xLTcxNDc3NA_9b03b733-ca13-4971-9f6e-9dfc8536a238">10.86</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" name="bbva:PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzEzNTQ_afc5024d-f09b-4e2a-b02d-8525e71fe7bf" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The estimate for the next five years of the following rates, used in the measurement of the expected loss as of December 31, 2021, consistent with the latest estimates made public at that date, was:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:6.153%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.247%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Positive scenario of GDP, unemployment rate and HPI for the main geographies</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifdbd17bb3a9a49d2aea72af393becf04_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtMS0xLTEtNzE0Nzc0_7edeec7c-788f-44fb-91b3-e46789590477">5.52</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifdbd17bb3a9a49d2aea72af393becf04_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtMi0xLTEtNzE0Nzc0_44293ab7-a06b-474e-9c15-26f2a5460695">14.42</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifdbd17bb3a9a49d2aea72af393becf04_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtMy0xLTEtNzE0Nzc0_740d4394-3862-43ce-bf80-57fba25bdb23">0.33</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i27d92c0db66847f6a9bbff631e0c0b39_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtNC0xLTEtNzE0Nzc0_e7f08e04-9bae-4e83-b561-75d0857567dd">6.39</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i27d92c0db66847f6a9bbff631e0c0b39_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtNS0xLTEtNzE0Nzc0_d5e5537c-031e-47b2-a8c2-72356e639926">4.18</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i27d92c0db66847f6a9bbff631e0c0b39_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtNi0xLTEtNzE0Nzc0_28f6e9b2-0e83-498e-a436-968a1b42f4b2">2.35</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i93d46f6ad8ce42e3b1025c44074e1223_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtNy0xLTEtNzE0Nzc0_419cd5aa-7552-4bb2-9c3f-2ab4f4b87a94">11.63</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i93d46f6ad8ce42e3b1025c44074e1223_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzMtOC0xLTEtNzE0Nzc0_2d125226-5f95-4ee8-a54c-fb821f6562aa">11.90</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iecccefdceec145bf8d51a934cd689ecf_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtMS0xLTEtNzE0Nzc0_69b70e16-2c5f-4c5b-b487-c5cc1b817122">6.14</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iecccefdceec145bf8d51a934cd689ecf_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtMi0xLTEtNzE0Nzc0_4fc1c583-4fe5-424b-ba46-0763e3d57eaf">12.50</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iecccefdceec145bf8d51a934cd689ecf_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtMy0xLTEtNzE0Nzc0_5b4bed55-2d80-4b7f-a644-cffbcc23a609">4.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6e54cc8f137d41abba9c8fb08cf776ed_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtNC0xLTEtNzE0Nzc0_6afe8161-8566-4913-b9c8-16472516c43f">4.07</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6e54cc8f137d41abba9c8fb08cf776ed_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtNS0xLTEtNzE0Nzc0_a67a6a39-d16a-4f7c-ac72-1b2843492463">3.89</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6e54cc8f137d41abba9c8fb08cf776ed_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtNi0xLTEtNzE0Nzc0_caf2cbfd-2aa5-4edd-898e-3f6366882260">5.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i07561618964b49c28a632571dbbabfb9_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtNy0xLTEtNzE0Nzc0_b7e319f4-d87c-486a-ac0f-497afd1f7ac5">5.60</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i07561618964b49c28a632571dbbabfb9_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzQtOC0xLTEtNzE0Nzc0_e036b8c3-c115-4277-b3d8-5c34db51e400">11.35</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic1aa4bef4e754770a6a9912110f24992_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtMS0xLTEtNzE0Nzc0_3f6077bc-a99c-4e3a-b584-079016fa0ee4">5.13</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic1aa4bef4e754770a6a9912110f24992_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtMi0xLTEtNzE0Nzc0_3ee131c2-6994-49f9-ab5a-7c6f0916fa7c">10.05</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic1aa4bef4e754770a6a9912110f24992_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtMy0xLTEtNzE0Nzc0_701c0656-c4b8-41ea-8428-1ce1757b3d4b">3.06</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic4d27e6d648b4bfba5ef5f567c069583_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtNC0xLTEtNzE0Nzc0_fc2d1213-54a5-452b-bb66-043aadf32f16">2.81</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic4d27e6d648b4bfba5ef5f567c069583_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtNS0xLTEtNzE0Nzc0_9e43fd05-d461-42cf-a9de-4b29e977eb57">3.75</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic4d27e6d648b4bfba5ef5f567c069583_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtNi0xLTEtNzE0Nzc0_1dad2e87-5379-4c07-814c-387e78505300">3.85</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifae19ad66556499fa9a5cecf9e407f91_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtNy0xLTEtNzE0Nzc0_22cbeeaa-c6f8-4c2f-9cff-a79381729167">5.80</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifae19ad66556499fa9a5cecf9e407f91_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzUtOC0xLTEtNzE0Nzc0_b8b22a6f-3c9b-468e-8999-1856cfe4b0fb">11.93</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if5d5b13103234b9a8a4a00c8e179af09_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtMS0xLTEtNzE0Nzc0_2bc3808d-fad1-4c0c-8143-6f1f156270ca">2.61</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if5d5b13103234b9a8a4a00c8e179af09_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtMi0xLTEtNzE0Nzc0_9a9b3dfa-ed12-4542-8f53-de14a650df5c">8.48</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if5d5b13103234b9a8a4a00c8e179af09_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtMy0xLTEtNzE0Nzc0_6e134996-623f-4dc8-8b10-10a655c187d8">1.87</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib15f788715f44c78afb49a956246b594_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtNC0xLTEtNzE0Nzc0_2bf55523-fc0a-4e1f-a8fd-4e80a804f815">2.17</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib15f788715f44c78afb49a956246b594_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtNS0xLTEtNzE0Nzc0_2cc53335-50a5-4069-aad5-e2b5f8c40dbf">3.69</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib15f788715f44c78afb49a956246b594_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtNi0xLTEtNzE0Nzc0_f5c4461c-45fa-4e39-b01a-c33fc6b333f1">3.07</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i45c5ee540de04f49b3d44918272421a6_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtNy0xLTEtNzE0Nzc0_2fb85e38-3f25-47ed-bcbe-858b45edc60c">3.62</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i45c5ee540de04f49b3d44918272421a6_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzYtOC0xLTEtNzE0Nzc0_811d53a2-9a65-4eab-9a48-abf50f02e6d9">12.66</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc67ab65cb0c49d4aae39afe5505f348_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctMS0xLTEtNzE0Nzc0_57a7ace8-32db-4aeb-916c-738925651d16">2.22</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc67ab65cb0c49d4aae39afe5505f348_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctMi0xLTEtNzE0Nzc0_4c448b1d-f8a7-49d1-af80-df2b67d36509">7.49</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc67ab65cb0c49d4aae39afe5505f348_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctMy0xLTEtNzE0Nzc0_c17c7ca3-782b-4c7f-888b-a32b0dadd8d5">1.56</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6fc2d054a2a04a078cc202a39e67c3c5_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctNC0xLTEtNzE0Nzc0_7190f36c-2461-47f4-9793-665a270ed8df">1.88</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6fc2d054a2a04a078cc202a39e67c3c5_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctNS0xLTEtNzE0Nzc0_196dfbed-1d1e-41e6-a743-a67cce2654c2">3.64</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6fc2d054a2a04a078cc202a39e67c3c5_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctNi0xLTEtNzE0Nzc0_dd3f2b78-8cf8-457e-83d9-41ad30d116f1">4.08</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibd3215e0c4b045f692467e41b9bb6d8b_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctNy0xLTEtNzE0Nzc0_6f2a92f9-42d9-467e-832d-86c1591a4b60">3.66</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibd3215e0c4b045f692467e41b9bb6d8b_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzctOC0xLTEtNzE0Nzc0_e21d2932-992b-4897-806d-ed0cdb38f26b">12.94</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib6a43a44187440c0b54459ce6d75ce8c_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtMS0xLTEtNzE0Nzc0_de29e8e3-3ddd-4a3e-99e7-5014e933b6c3">2.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib6a43a44187440c0b54459ce6d75ce8c_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtMi0xLTEtNzE0Nzc0_2f41b947-faa3-4a14-bf79-161d4583c4a4">6.71</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib6a43a44187440c0b54459ce6d75ce8c_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtMy0xLTEtNzE0Nzc0_f836255f-d0f2-492e-a88a-4daa7af85b28">1.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id99a3cae42ad458b97478ea4b6336a51_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtNC0xLTEtNzE0Nzc0_c788affc-9a0b-4835-afd5-b78bf3f01e7d">1.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id99a3cae42ad458b97478ea4b6336a51_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtNS0xLTEtNzE0Nzc0_48f2faf2-70e8-4d8d-99a5-e63481d14ed9">3.59</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id99a3cae42ad458b97478ea4b6336a51_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtNi0xLTEtNzE0Nzc0_612ea93b-5d04-42c9-b365-89c59c9527f6">3.95</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e7ede51d2974ad8b86c2c55aa5c2b3a_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtNy0xLTEtNzE0Nzc0_16f57265-5b16-4292-be50-8871e834c08e">3.66</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e7ede51d2974ad8b86c2c55aa5c2b3a_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMzFjYmI5NTU1NTE0MjNjOGUzMzkzMGRlZWZhOWM4Zi90YWJsZXJhbmdlOmMzMWNiYjk1NTU1MTQyM2M4ZTMzOTMwZGVlZmE5YzhmXzgtOC0xLTEtNzE0Nzc0_228b6199-4a08-489d-a8e5-138654979218">13.05</ix:nonFraction> %</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:7.374%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.156%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i74069a655c074ad8be774615b677daa7_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzItMS0xLTEtNzE0Nzc0_7c0b6979-8399-4c7f-9095-e0d139f3fdd5">13.60</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i74069a655c074ad8be774615b677daa7_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzItMi0xLTEtNzE0Nzc0_0026cb86-e679-4765-a552-9e59bb75acef">11.33</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iddd215ab9a4141ed890472262ab3ce0c_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzItMy0xLTEtNzE0Nzc0_a9f7d225-6cbd-45c1-a5c1-8585586a378f">9.91</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iddd215ab9a4141ed890472262ab3ce0c_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzItNC0xLTEtNzE0Nzc0_743e4de8-cce3-4fc8-a1cf-495d4efe38aa">15.12</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib266a1a915094587871279c578880d9c_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzItNS0xLTEtNzE0Nzc0_bf1853b5-87c0-4c70-a9c9-52046e7aab6e">9.89</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib266a1a915094587871279c578880d9c_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzItNi0xLTEtNzE0Nzc0_fcbf3814-b66c-4ac0-beca-55f85274a9af">15.36</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id5d0197db98544d09ee68c7236205ac3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzMtMS0xLTEtNzE0Nzc0_96f3b52e-160e-4c04-bf64-4d8ea3d6bb11">4.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id5d0197db98544d09ee68c7236205ac3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzMtMi0xLTEtNzE0Nzc0_299beeab-f43b-4128-a8b7-4242920be7a1">7.50</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ief55f7b135874097a7a906574f74e4c4_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzMtMy0xLTEtNzE0Nzc0_00acf93a-7412-48f9-bf5e-de3068a51602">6.69</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ief55f7b135874097a7a906574f74e4c4_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzMtNC0xLTEtNzE0Nzc0_c8328f3e-2646-46c6-98ba-79c6b23255a2">11.34</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i089dcce0c5cc488e896f980dcc120981_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzMtNS0xLTEtNzE0Nzc0_fefb224f-1f03-4d2a-9f5e-0a289c764b25">5.33</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i089dcce0c5cc488e896f980dcc120981_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzMtNi0xLTEtNzE0Nzc0_0ee8558f-b117-41ab-a6c4-d884a7bdd99b">13.60</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if3c49f5f52f0495cb084a26b718a9be1_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzQtMS0xLTEtNzE0Nzc0_4479cdab-824a-438d-b3f1-02ef7209ec35">3.78</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if3c49f5f52f0495cb084a26b718a9be1_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzQtMi0xLTEtNzE0Nzc0_0df7369f-6c52-4eb9-858d-7ddaef9a17d3">6.82</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id63bd51a2ffb48cf859f0b4a0ea86d2d_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzQtMy0xLTEtNzE0Nzc0_6ff2c838-e8bf-481a-9c4e-d617ff26abf2">3.02</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id63bd51a2ffb48cf859f0b4a0ea86d2d_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzQtNC0xLTEtNzE0Nzc0_87eafc05-7c47-40fe-afaa-4bffd23a9864">9.48</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9715a87bacfe487a98f35e8a1e2bff82_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzQtNS0xLTEtNzE0Nzc0_55e3a75b-2682-4749-aab9-042b5a936232">3.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9715a87bacfe487a98f35e8a1e2bff82_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzQtNi0xLTEtNzE0Nzc0_5ec0ab45-a238-419e-89a2-f9073b348a42">13.22</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if4aa04e8e31c4c07b04ae39577c070b2_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzUtMS0xLTEtNzE0Nzc0_ef2cca69-97c8-4634-9776-cf788edd7231">2.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if4aa04e8e31c4c07b04ae39577c070b2_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzUtMi0xLTEtNzE0Nzc0_34d1fa0e-f454-43da-a138-1551de02c675">6.55</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ff9aa57ed5942e7bcda6f2280e1d9ea_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzUtMy0xLTEtNzE0Nzc0_bb774641-d789-4176-a99c-7b31fb0c2e6e">2.09</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ff9aa57ed5942e7bcda6f2280e1d9ea_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzUtNC0xLTEtNzE0Nzc0_57b38dff-dbcb-499a-a43c-04dc0786d38c">7.99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7192a79c5c134daaa49235f80289ba5e_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzUtNS0xLTEtNzE0Nzc0_804415d6-bca0-4c2d-b4dc-3df41cbe84ac">3.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7192a79c5c134daaa49235f80289ba5e_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzUtNi0xLTEtNzE0Nzc0_69fbf024-f45c-4c4c-a1ad-ebd21f40c555">12.31</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4ca335cc3ea44e459d312052dd384194_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzYtMS0xLTEtNzE0Nzc0_991d11d2-3534-44eb-93aa-b28353ddd58d">2.34</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4ca335cc3ea44e459d312052dd384194_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzYtMi0xLTEtNzE0Nzc0_759920a9-53a1-4a4f-bb57-a9438321c1db">6.52</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic47bf53088574aa6b12643dfc640c97f_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzYtMy0xLTEtNzE0Nzc0_b0221c5f-c388-40b3-b834-c8d5b342e776">2.16</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic47bf53088574aa6b12643dfc640c97f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzYtNC0xLTEtNzE0Nzc0_50446b8a-9c70-4f9e-b80e-4e1a8d911e95">6.89</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83703fcb8cba4edcaada58b29af57df3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzYtNS0xLTEtNzE0Nzc0_1dc005d0-ba6d-4d21-af91-3c6a25f7a66e">3.44</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83703fcb8cba4edcaada58b29af57df3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzYtNi0xLTEtNzE0Nzc0_3a5fc82b-d51a-4040-a40b-9bb47870b7fc">11.58</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic2c5407b53f44d01b50296f56d650595_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzctMS0xLTEtNzE0Nzc0_b9a01dbd-b0ae-4f3e-9fce-cfa7534487b8">2.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic2c5407b53f44d01b50296f56d650595_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzctMi0xLTEtNzE0Nzc0_64ddb079-ac83-4a65-aa08-522c76a7dd9b">6.47</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icc7057d447d040a3b63277086fa396c8_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzctMy0xLTEtNzE0Nzc0_9065c03c-7cf3-4e01-a24a-41ef0d27006e">2.12</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icc7057d447d040a3b63277086fa396c8_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzctNC0xLTEtNzE0Nzc0_0c9f141f-db77-42f2-ba91-35f610adaf98">6.88</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iee22243c1b1b48d4bbba7d718674b3f9_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzctNS0xLTEtNzE0Nzc0_217ca3d0-1cd5-4a7c-aa8d-0e5b9cd2cb9b">3.51</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iee22243c1b1b48d4bbba7d718674b3f9_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo5YzIxMWE5MzFiNGY0ZTlmOWJjNzYxODY4ZTAyMGU0Ni90YWJsZXJhbmdlOjljMjExYTkzMWI0ZjRlOWY5YmM3NjE4NjhlMDIwZTQ2XzctNi0xLTEtNzE0Nzc0_0ed16ee7-66d0-4e98-902b-010c25001ce6">11.32</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-59</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia63f909952aa4067893542ced602be69" continuedAt="i46ed07c1307641c39fc1f3c987654278"><ix:nonNumeric contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" name="bbva:BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzU3NzI0MzYwNDYxOTk4_15ce86e3-664a-4ef5-af86-69edd6eeb74e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.767%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Base scenario of GDP, unemployment rate and HPI for the main geographies</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i10367863d1ea479281d1187fcd2ba8a3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtMS0xLTEtMTIxNzEyNg_d9c62f65-7e31-42bf-8b90-936fc2815e95">5.23</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i10367863d1ea479281d1187fcd2ba8a3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtMi0xLTEtMTIxNzEyNg_322aafd4-410d-45df-885d-ebdc94a16924">14.93</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i10367863d1ea479281d1187fcd2ba8a3_I20211231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtMy0xLTEtMTIxNzEyNg_63bfc183-a440-45ee-be44-653ebccb389c">0.20</ix:nonFraction>) %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7989ae03792145ca9f9a4514f07358b3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtNC0xLTEtMTIxNzEyNg_3c5d5199-4bc1-4a1a-a02c-0d47cabf7e36">5.98</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7989ae03792145ca9f9a4514f07358b3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtNS0xLTEtMTIxNzEyNg_dbd04890-43c7-4263-9fc7-554fecea2aaf">4.22</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7989ae03792145ca9f9a4514f07358b3_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtNi0xLTEtMTIxNzEyNg_2678bd25-a4a3-4e95-9a18-fc756824203b">2.46</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i653b0c523be54c67a043afe223c30b2a_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtNy0xLTEtMTIxNzEyNg_e8ef5554-c1d1-4360-83b7-b60d66cace50">9.46</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i653b0c523be54c67a043afe223c30b2a_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzMtOC0xLTEtMTIxNzEyNg_e7eeb628-2a6f-4193-943e-26ae95e3ec3f">12.43</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i318d4c04698743cb9239aec8fac4c913_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtMS0xLTEtMTIxNzEyNg_3387b5a6-9f36-4f13-ab39-a42900bc91d7">5.49</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i318d4c04698743cb9239aec8fac4c913_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtMi0xLTEtMTIxNzEyNg_3d958fac-c849-41aa-a88e-b4a885e8089c">13.98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i318d4c04698743cb9239aec8fac4c913_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtMy0xLTEtMTIxNzEyNg_c400297c-b32d-4d1f-b5b0-c5b09b7cd448">2.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icbf3cf2183cc401b85efefa1e6b693c0_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtNC0xLTEtMTIxNzEyNg_77c8d941-d474-4c64-a3c2-3a16cd13e4a8">3.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icbf3cf2183cc401b85efefa1e6b693c0_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtNS0xLTEtMTIxNzEyNg_8c5b36a2-ea3b-47ca-bc77-8bf6df0491c4">4.05</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icbf3cf2183cc401b85efefa1e6b693c0_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtNi0xLTEtMTIxNzEyNg_24f8a6a3-37f5-4200-8077-e3e9bbac9e30">5.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia3729a0653a44b538d15d9cef81eb055_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtNy0xLTEtMTIxNzEyNg_668e58f2-c9ac-4e45-b9de-31ce58566ab1">1.98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia3729a0653a44b538d15d9cef81eb055_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzQtOC0xLTEtMTIxNzEyNg_5dcf4fc5-89ff-41f7-a815-1231804e11f3">12.80</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3e33ff586e8c4009aeb75bc9aafa16ef_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtMS0xLTEtMTIxNzEyNg_57bc8404-ac3e-4f69-bbc8-27c69077184f">4.89</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3e33ff586e8c4009aeb75bc9aafa16ef_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtMi0xLTEtMTIxNzEyNg_12d19e89-3480-4f51-bf43-58a51618951e">11.68</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3e33ff586e8c4009aeb75bc9aafa16ef_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtMy0xLTEtMTIxNzEyNg_963cff90-53b4-4d9c-9fba-f49aece560d4">2.04</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4962317cce154ade97a9f36f87fd4461_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtNC0xLTEtMTIxNzEyNg_abc4fd88-31c4-4387-b9bc-86e90a09de06">2.54</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4962317cce154ade97a9f36f87fd4461_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtNS0xLTEtMTIxNzEyNg_28eec595-90d6-4858-9dd8-420af037fc8b">3.92</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4962317cce154ade97a9f36f87fd4461_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtNi0xLTEtMTIxNzEyNg_267e7962-3f1d-4cad-ad7b-30d46a6f8559">3.68</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic973413d5bd9433bb91ebbe4e647a8d1_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtNy0xLTEtMTIxNzEyNg_de8dff96-4fc4-4f86-9719-f3f6947e6913">5.04</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic973413d5bd9433bb91ebbe4e647a8d1_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzUtOC0xLTEtMTIxNzEyNg_717091ea-6ae2-4cea-b4b2-b75cdaf06bba">12.93</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i82fa5f7a20cb416b90ef769ee1a558b9_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtMS0xLTEtMTIxNzEyNg_04dd1154-3c31-482a-80f9-d88188ed5643">2.59</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i82fa5f7a20cb416b90ef769ee1a558b9_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtMi0xLTEtMTIxNzEyNg_4e44530a-3635-44a7-b39c-58b2769f7177">10.08</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i82fa5f7a20cb416b90ef769ee1a558b9_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtMy0xLTEtMTIxNzEyNg_2cc06312-d4ab-41e6-b150-cdeed8dbd00d">1.50</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3bd49ec4444d413f946c0d97770f4dfb_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtNC0xLTEtMTIxNzEyNg_0d826311-363f-4cfa-b085-6110b4d072a9">2.09</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3bd49ec4444d413f946c0d97770f4dfb_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtNS0xLTEtMTIxNzEyNg_afd2b572-cc8f-4d9f-9f1a-c6b0fe7f1b0e">3.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3bd49ec4444d413f946c0d97770f4dfb_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtNi0xLTEtMTIxNzEyNg_9eb55410-6b6a-4142-92d9-74a8b3855f60">3.07</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia6bb73ff26d8410d9be5c26b71186772_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtNy0xLTEtMTIxNzEyNg_f6c4b5f2-14db-4504-82cb-da8fae8524d2">3.49</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia6bb73ff26d8410d9be5c26b71186772_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzYtOC0xLTEtMTIxNzEyNg_8e908796-15c8-40f7-bc0f-5519dbc08a0a">13.03</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01856810e8a341f1b98ca3cfa247bb8e_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctMS0xLTEtMTIxNzEyNg_3ba2fc8c-ce37-46da-8af5-201736729080">2.22</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01856810e8a341f1b98ca3cfa247bb8e_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctMi0xLTEtMTIxNzEyNg_d1c76ea1-07dc-43ee-b7ce-a694d6fc954d">9.05</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01856810e8a341f1b98ca3cfa247bb8e_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctMy0xLTEtMTIxNzEyNg_560cfa79-c126-4904-bda3-b85267be71fe">1.10</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01622dac22af48c2bc94688200ab62d3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctNC0xLTEtMTIxNzEyNg_fdaab2c4-93e2-4308-b5b5-a30c91599354">1.87</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01622dac22af48c2bc94688200ab62d3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctNS0xLTEtMTIxNzEyNg_b0ff1045-6c31-4515-ad7e-8a7559c51668">3.77</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01622dac22af48c2bc94688200ab62d3_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctNi0xLTEtMTIxNzEyNg_5c8a81b6-d98f-4c90-b06a-b0871df30bff">4.08</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6cbfa7f7cc1d4e16925cf10b212d67fb_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctNy0xLTEtMTIxNzEyNg_ee9761ec-6809-4d97-9460-404b7938ef59">3.54</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6cbfa7f7cc1d4e16925cf10b212d67fb_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzctOC0xLTEtMTIxNzEyNg_0d8e8b17-f697-43bb-a287-6df73c9e7fcb">13.13</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idbc06b8f551d43e38f902a2c2aadc8c3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtMS0xLTEtMTIxNzEyNg_ba86ef1d-f939-4771-a64f-7373c45fe3e1">2.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idbc06b8f551d43e38f902a2c2aadc8c3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtMi0xLTEtMTIxNzEyNg_647641d1-bcc7-43ed-9f45-bcee936ee99d">8.15</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idbc06b8f551d43e38f902a2c2aadc8c3_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtMy0xLTEtMTIxNzEyNg_4a137b2b-d300-465d-b46e-6a741eef6507">0.74</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0e9f77ebe3c49f5b4973be0ac286e1b_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtNC0xLTEtMTIxNzEyNg_021a49f5-ff09-466d-8e0b-98365705e59d">1.82</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0e9f77ebe3c49f5b4973be0ac286e1b_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtNS0xLTEtMTIxNzEyNg_21268d0c-0ef1-4bd4-bf40-609597897b96">3.71</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0e9f77ebe3c49f5b4973be0ac286e1b_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtNi0xLTEtMTIxNzEyNg_e8b4898a-2771-4f31-befb-033e210f2289">3.93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i884a14eccbd5418aa25641a2faef447a_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtNy0xLTEtMTIxNzEyNg_51cd9d1e-9b96-42dd-b769-440918e9683c">3.53</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i884a14eccbd5418aa25641a2faef447a_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTphMTZhZjEyOTIyNDk0YTE3YmY4NjNlYmM1ZWFiNTdkZi90YWJsZXJhbmdlOmExNmFmMTI5MjI0OTRhMTdiZjg2M2ViYzVlYWI1N2RmXzgtOC0xLTEtMTIxNzEyNg_f07c99cb-4472-4f8e-bad2-d2893698beb3">13.23</ix:nonFraction> %</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:8.667%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.938%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.938%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.938%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.938%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.938%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.943%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2ed4c092c79f481f921b8765db86474e_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzItMS0xLTEtMTIxNzEyNg_c3c5558a-afc2-4fb7-9a31-dfeb43ffefc9">12.22</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2ed4c092c79f481f921b8765db86474e_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzItMi0xLTEtMTIxNzEyNg_76a57c96-4863-414e-bf9c-e94eb60a0ccc">11.38</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibac9c1f4a79d41cb9100be32887767de_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzItMy0xLTEtMTIxNzEyNg_83dc2d4d-4967-4baa-8653-aba087549daa">7.49</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibac9c1f4a79d41cb9100be32887767de_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzItNC0xLTEtMTIxNzEyNg_79619780-2dc4-4d60-8cca-f7a02c0e88ae">15.50</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i263bab6875d745e283f4ec613cbc12f3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzItNS0xLTEtMTIxNzEyNg_4bb75461-a64b-43e9-99b7-0305a54a3f7c">9.17</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i263bab6875d745e283f4ec613cbc12f3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzItNi0xLTEtMTIxNzEyNg_ce384b38-1a78-4aa3-8f25-25dd2f56acb2">15.44</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i80a7adbbdb444233acd2d0e0db8b3100_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzMtMS0xLTEtMTIxNzEyNg_de2f8098-39b8-48c5-8b2e-cecaf7378383">2.32</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i80a7adbbdb444233acd2d0e0db8b3100_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzMtMi0xLTEtMTIxNzEyNg_8321ca1c-7ab9-4e4b-9f55-ad9bc9f3db4e">7.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3811d84af3a141299e6119e7fb03d912_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzMtMy0xLTEtMTIxNzEyNg_02a51a04-c6cb-459e-a824-d06f582342a7">2.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3811d84af3a141299e6119e7fb03d912_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzMtNC0xLTEtMTIxNzEyNg_48b98102-beaf-45ad-84a2-6b6274f2eb97">12.35</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie48200af1f044f29956d3a6c7426d6e2_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzMtNS0xLTEtMTIxNzEyNg_b684053f-8ede-4b98-b795-d4ec84aba13a">4.02</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie48200af1f044f29956d3a6c7426d6e2_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzMtNi0xLTEtMTIxNzEyNg_dd967241-fbcd-41a7-99f8-e73e68217c4a">13.86</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie34150b5140a47b4b29e4c5d18d3dad2_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzQtMS0xLTEtMTIxNzEyNg_5d31e2da-1a8c-424f-9ec1-1ba5bd7b82d8">3.05</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie34150b5140a47b4b29e4c5d18d3dad2_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzQtMi0xLTEtMTIxNzEyNg_c32ab88c-9d24-41ad-bc95-87e419368d58">7.06</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if8c821f692e54e9383bd47b4d1540891_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzQtMy0xLTEtMTIxNzEyNg_ca9a13bc-98d8-4da5-82df-5e93afb73a71">2.04</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if8c821f692e54e9383bd47b4d1540891_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzQtNC0xLTEtMTIxNzEyNg_c3d6f559-080f-4abc-b06a-7b18c8127b4e">10.40</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic18d4007263b4b3f97e64b659d4d12b2_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzQtNS0xLTEtMTIxNzEyNg_2e47898a-ddd1-42ea-86d1-dfae9f4d2bc8">3.13</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic18d4007263b4b3f97e64b659d4d12b2_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzQtNi0xLTEtMTIxNzEyNg_887a2558-c948-4224-ac86-e7b420471696">13.51</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iee5609c3f4bb460bae33396b84230336_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzUtMS0xLTEtMTIxNzEyNg_73b2d747-5202-4130-8804-bea234fc54fa">2.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iee5609c3f4bb460bae33396b84230336_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzUtMi0xLTEtMTIxNzEyNg_77b2f3c8-7f12-4da7-a03e-a8fd9b9eb4fe">6.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib0b9e4a0f5f74ce0a9d664d7d35ccfcb_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzUtMy0xLTEtMTIxNzEyNg_d46abdd2-9390-4fb9-b60c-a7b3da9474ee">1.98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib0b9e4a0f5f74ce0a9d664d7d35ccfcb_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzUtNC0xLTEtMTIxNzEyNg_3926d465-5fb4-4c32-9751-436448dcedb5">8.60</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie83eaa88129648d79317ed216b953886_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzUtNS0xLTEtMTIxNzEyNg_1152407c-01e0-4c6a-87b9-557144b45abf">3.29</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie83eaa88129648d79317ed216b953886_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzUtNi0xLTEtMTIxNzEyNg_a384b0eb-5beb-4b9b-a2ef-b89a7186774c">12.60</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie839cd062175401c8819aedb37b7d2ff_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzYtMS0xLTEtMTIxNzEyNg_96815397-11e6-4ac6-8c9e-0d93357f3a59">2.34</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie839cd062175401c8819aedb37b7d2ff_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzYtMi0xLTEtMTIxNzEyNg_065119c4-350f-4d1c-a356-4bbb2a4df9db">6.70</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7e9827955200497283015faa0f7c5e07_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzYtMy0xLTEtMTIxNzEyNg_267e54b2-a229-43d7-b749-d9f957bbfe01">2.03</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7e9827955200497283015faa0f7c5e07_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzYtNC0xLTEtMTIxNzEyNg_02bb699b-5170-496f-81d2-852942d46b7b">7.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i60d8ed4ba83843d491853dfd544f216f_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzYtNS0xLTEtMTIxNzEyNg_24ada6ba-9a72-4b68-a397-7f10acacea9a">3.44</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i60d8ed4ba83843d491853dfd544f216f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzYtNi0xLTEtMTIxNzEyNg_cfd31a59-db98-48d2-9a87-df0ebbc62f32">11.87</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if830ba5deeeb47d7bfac2270bee21c79_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzctMS0xLTEtMTIxNzEyNg_57998f7c-9590-463e-9001-6fd57e88e29f">2.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if830ba5deeeb47d7bfac2270bee21c79_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzctMi0xLTEtMTIxNzEyNg_49711603-9eed-4079-aa54-4b51dd160494">6.64</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i58f1f1a43c1647bc880bb6d3f240e1bb_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzctMy0xLTEtMTIxNzEyNg_616f53e6-3dbb-4467-9277-dafead2502b1">1.99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i58f1f1a43c1647bc880bb6d3f240e1bb_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzctNC0xLTEtMTIxNzEyNg_910bceb7-17fc-4a80-80e3-9d88fdb01f22">7.38</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6f3f1477ab86424da49c395ec924f5d9_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzctNS0xLTEtMTIxNzEyNg_60f9ede1-7a52-4544-95d2-7576d03b7446">3.51</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6f3f1477ab86424da49c395ec924f5d9_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkNWJkM2JhZjAyMjA0N2JiYmMyMjUyNDU0MTIzMjQxNy90YWJsZXJhbmdlOmQ1YmQzYmFmMDIyMDQ3YmJiYzIyNTI0NTQxMjMyNDE3XzctNi0xLTEtMTIxNzEyNg_9fb6ed23-c3ac-4cb1-bf88-54e1174ad9bc">11.53</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" name="bbva:NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzEzNTU_3d5f8b2a-779c-4d8c-84a4-f98c86da0184" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:6.153%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Negative scenario of GDP, unemployment rate and HPI for the main geographies</span></td></tr><tr style="height:3pt"><td colspan="27" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">HPI</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i94c6f781dfa6411f9371c1a328319c97_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtMS0xLTEtMTIxNDYxNw_dc5229b0-a42f-4ab7-af4e-41ae7f4e5ac0">4.95</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i94c6f781dfa6411f9371c1a328319c97_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtMi0xLTEtMTIxNDYxNw_c7cdfeb3-fa8e-456a-bed7-ec743e58a4da">15.41</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i94c6f781dfa6411f9371c1a328319c97_I20211231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtMy0xLTEtMTIxNDYxNw_54352dd6-4e18-4c96-ad0f-bf8fb6bd18a4">0.82</ix:nonFraction>) %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i20984bb856ad4005b048972d933ca04b_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtNC0xLTEtMTIxNDYxNw_30f4f31f-0a80-4a75-a833-f4494612a40a">5.58</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i20984bb856ad4005b048972d933ca04b_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtNS0xLTEtMTIxNDYxNw_b4c0d86d-c01e-422c-9a25-a871ca98e9de">4.27</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i20984bb856ad4005b048972d933ca04b_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtNi0xLTEtMTIxNDYxNw_780c1d36-3f58-47c1-80b8-e82c6dfafe3c">2.54</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i534b1ac4c0f44252b4957b7cea717760_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtNy0xLTEtMTIxNDYxNw_3b2d9df7-5a44-4fd5-b3a6-e14ebb5c554a">7.29</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i534b1ac4c0f44252b4957b7cea717760_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzQtOC0xLTEtMTIxNDYxNw_cbe88959-5fb2-4500-8d3c-ef8fd1f9b5d7">12.94</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i392653502414439bad3b307809ff9b81_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtMS0xLTEtMTIxNDYxNw_8dc44ad3-81ed-4b75-a292-32400f129cc9">4.88</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i392653502414439bad3b307809ff9b81_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtMi0xLTEtMTIxNDYxNw_4f87e907-0ce1-4712-a9f0-06e6a5c3604b">15.41</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i392653502414439bad3b307809ff9b81_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtMy0xLTEtMTIxNDYxNw_b20af3fb-7f64-49c8-a927-da01779a15ee">1.31</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0adb22e5dfa4e04aca97777486eee25_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtNC0xLTEtMTIxNDYxNw_d16eba7b-ef39-419c-b431-855285c3d233">2.33</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0adb22e5dfa4e04aca97777486eee25_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtNS0xLTEtMTIxNDYxNw_01b4f43f-8521-4042-9b7b-1c724d8ac277">4.23</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0adb22e5dfa4e04aca97777486eee25_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtNi0xLTEtMTIxNDYxNw_0f040d80-f6c5-43c1-a0ab-3455d70988f2">5.13</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i1e6870bc5a8d47f89cc9a6ae1492691a_I20211231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtNy0xLTEtMTIxNDYxNw_4615cd49-73fc-4f42-aa94-f0f28c08e8e6">1.87</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1e6870bc5a8d47f89cc9a6ae1492691a_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzUtOC0xLTEtMTIxNDYxNw_b94820bb-91d9-4610-ba02-07fcab0d11ce">14.26</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2b2cf24020f147e08b46c6018512d812_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtMS0xLTEtMTIxNDYxNw_92b2ceb9-4227-47e4-94c0-eaa183d344cd">4.68</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2b2cf24020f147e08b46c6018512d812_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtMi0xLTEtMTIxNDYxNw_808641a1-919a-4e17-b2a3-0b92daad193f">13.25</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2b2cf24020f147e08b46c6018512d812_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtMy0xLTEtMTIxNDYxNw_8daf3df3-49c3-43d5-b838-93fd93e6e0eb">1.09</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie436827f02f54dedbd9fdd23c12feaf5_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtNC0xLTEtMTIxNDYxNw_c863c120-3364-40b0-b6b8-5369b2ab3ad6">2.26</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie436827f02f54dedbd9fdd23c12feaf5_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtNS0xLTEtMTIxNDYxNw_a28e809b-7b4f-469c-b6de-2f8ee903ef69">4.10</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie436827f02f54dedbd9fdd23c12feaf5_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtNi0xLTEtMTIxNDYxNw_2cd896ff-bd2d-47a8-9ba3-1b09f8a25e6f">3.48</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1873157cef094c0791b805f478b9eb40_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtNy0xLTEtMTIxNDYxNw_0eb34737-4874-4810-ad22-85357b5722fa">4.09</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1873157cef094c0791b805f478b9eb40_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzYtOC0xLTEtMTIxNDYxNw_aac4539d-edc5-4d6c-9564-5a5f80b62642">13.99</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01e8e0e81fd245bb80a405a5337a97be_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctMS0xLTEtMTIxNDYxNw_4eaa6c50-299c-41d8-8c7c-391bc20b6b0f">2.54</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01e8e0e81fd245bb80a405a5337a97be_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctMi0xLTEtMTIxNDYxNw_5b9c08a3-2b81-4864-8c21-6102a59d7b19">11.65</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i01e8e0e81fd245bb80a405a5337a97be_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctMy0xLTEtMTIxNDYxNw_5480e0cc-add3-479a-98c4-4172d489cfa1">0.99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i64804bccbc8d45248baa5bfd1ada1b7f_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctNC0xLTEtMTIxNDYxNw_e09d80de-2faf-4d73-b44c-b5a5a0dd69b7">2.03</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i64804bccbc8d45248baa5bfd1ada1b7f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctNS0xLTEtMTIxNDYxNw_67318ad3-176b-4868-a677-400591a68f9b">3.99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i64804bccbc8d45248baa5bfd1ada1b7f_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctNi0xLTEtMTIxNDYxNw_00ec5e3e-1d01-4fa7-87d2-255db4cc47ff">2.92</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i409d0e154fd54796b89be8a6dee982f6_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctNy0xLTEtMTIxNDYxNw_46cfaff3-f18c-497f-bb43-1f54dfd278a9">3.40</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i409d0e154fd54796b89be8a6dee982f6_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzctOC0xLTEtMTIxNDYxNw_855b8145-e139-4c81-949d-583fdf149d14">13.41</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i33d5bd299b9340ffa2032f0e7da6186f_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtMS0xLTEtMTIxNDYxNw_e970e87f-0a91-42df-a9c5-aefe99db9a16">2.18</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i33d5bd299b9340ffa2032f0e7da6186f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtMi0xLTEtMTIxNDYxNw_a736c6d4-cac4-46e3-8137-466604b57a70">10.62</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i33d5bd299b9340ffa2032f0e7da6186f_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtMy0xLTEtMTIxNDYxNw_4c8219db-f1d2-4219-a72e-1a3e655713bd">0.35</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icfa0ccac58f64afcae5a44efc34e90ba_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtNC0xLTEtMTIxNDYxNw_3d208397-a505-4832-92da-46198f262ac1">1.82</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icfa0ccac58f64afcae5a44efc34e90ba_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtNS0xLTEtMTIxNDYxNw_5f917858-c85a-4039-a468-3ca839110566">3.90</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icfa0ccac58f64afcae5a44efc34e90ba_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtNi0xLTEtMTIxNDYxNw_f5f287d4-dedf-4fc2-8d3e-617753b83ed7">4.05</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia488e571dde443e5856c2bd1602d2977_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtNy0xLTEtMTIxNDYxNw_624e4f9a-cabb-42f9-af72-13e4c7faa7a8">3.47</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia488e571dde443e5856c2bd1602d2977_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzgtOC0xLTEtMTIxNDYxNw_81b0175f-5ef7-4b5d-be01-36aee2303c8b">13.31</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4d4da3945fd54f628bfd478684cf3b3c_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktMS0xLTEtMTIxNDYxNw_df249ede-1d61-4235-8753-8792d98d9f2c">2.15</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4d4da3945fd54f628bfd478684cf3b3c_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktMi0xLTEtMTIxNDYxNw_91573318-2e41-4d90-ac3f-1332b93f816f">9.61</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i4d4da3945fd54f628bfd478684cf3b3c_I20211231" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktMy0xLTEtMTIxNDYxNw_425ea80b-6feb-46ad-9cbb-6dc3c85b77c0">0.01</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1a3fbfa827fe489b9621a6b300b3c82f_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktNC0xLTEtMTIxNDYxNw_ede876f6-290a-4602-a821-789750412270">1.78</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1a3fbfa827fe489b9621a6b300b3c82f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktNS0xLTEtMTIxNDYxNw_05897ac5-e671-4793-9cd3-5bf72d733bfe">3.84</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1a3fbfa827fe489b9621a6b300b3c82f_I20211231" decimals="4" name="bbva:HPI" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktNi0xLTEtMTIxNDYxNw_de8cc598-b071-4bd3-961f-d11eb370a8e3">3.93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i158a0e92a9f44c6889a78b3e87370155_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktNy0xLTEtMTIxNDYxNw_6474eb96-89ea-4874-b155-604b12bfaec2">3.46</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i158a0e92a9f44c6889a78b3e87370155_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo2MzA4ZTU5YjIxYzA0NzI4OWRjODQ1MTE2MTg5ZWNmYy90YWJsZXJhbmdlOjYzMDhlNTliMjFjMDQ3Mjg5ZGM4NDUxMTYxODllY2ZjXzktOC0xLTEtMTIxNDYxNw_e862516f-34f9-4c24-9377-d02a0ad057c9">13.40</ix:nonFraction> %</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:7.374%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.156%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Date</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unemployment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i794390d93e424490919a7d2ee0d692ca_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzItMS0xLTEtNzE0Nzc0_c5b5c82c-332f-4045-b536-e2bbb4a1c9bd">10.84</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i794390d93e424490919a7d2ee0d692ca_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzItMi0xLTEtNzE0Nzc0_65ae2ce2-5d50-4d25-be07-87ffee960e0d">11.43</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia123ef756ea74422947b7ac72c849479_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzItMy0xLTEtNzE0Nzc0_10e2d352-acd0-416a-8b9d-3334d9ecb406">5.14</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia123ef756ea74422947b7ac72c849479_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzItNC0xLTEtNzE0Nzc0_1c965f68-d523-4cb3-8835-5aad6a30a20d">15.86</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ac14f86e616433ca494b44a02a6c68f_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzItNS0xLTEtNzE0Nzc0_201270e4-1519-4fef-8f0d-83d527247fc1">8.43</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ac14f86e616433ca494b44a02a6c68f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzItNi0xLTEtNzE0Nzc0_a832e897-21c3-46d3-bfbb-d088a5886066">15.52</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i882da70437444ea2a34072c9b20bec6f_I20211231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzMtMS0xLTEtNzE0Nzc0_356c7fac-f627-4507-830f-7463caee94ff">0.28</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i882da70437444ea2a34072c9b20bec6f_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzMtMi0xLTEtNzE0Nzc0_f6783f2c-4a8e-4e39-8ce1-1b08fac573d2">7.90</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i815a18ae3b8541b3ae07a240fec2dbbc_I20211231" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzMtMy0xLTEtNzE0Nzc0_564a2397-3da3-46c5-9c06-7b2fc62b9446">2.34</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i815a18ae3b8541b3ae07a240fec2dbbc_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzMtNC0xLTEtNzE0Nzc0_8fa949ca-5ce2-4876-b2e3-23d4353a1a96">13.33</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i037b4109627346249a0168a793665141_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzMtNS0xLTEtNzE0Nzc0_943722cc-962b-452a-abba-684c816b6852">2.72</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i037b4109627346249a0168a793665141_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzMtNi0xLTEtNzE0Nzc0_acd9dcac-99c3-4787-b91d-c882a46d1d30">14.12</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idebf136747f548918d73bd24c781ef8e_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzQtMS0xLTEtNzE0Nzc0_4ce721dd-fe63-48b3-8b6c-b8b8d7195d4c">2.31</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idebf136747f548918d73bd24c781ef8e_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzQtMi0xLTEtNzE0Nzc0_71da9def-b3a3-4978-9f95-3a2405de269c">7.30</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id9f3300e2fbc4203b373b11f361f7da4_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzQtMy0xLTEtNzE0Nzc0_1577b40c-f753-4877-992a-ffca25f2107e">0.85</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id9f3300e2fbc4203b373b11f361f7da4_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzQtNC0xLTEtNzE0Nzc0_c6a3c0d9-7174-4e35-b955-138a7bda0da4">11.29</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i26d40913cda440fa92eeecffd651bfbe_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzQtNS0xLTEtNzE0Nzc0_55b74244-260f-42ed-a6bd-687752ab1e9b">2.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i26d40913cda440fa92eeecffd651bfbe_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzQtNi0xLTEtNzE0Nzc0_cbf76c93-13d7-4800-9fd9-6f10daa4e3bd">13.79</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc846f1969e04bba8748293cf711a99a_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzUtMS0xLTEtNzE0Nzc0_42c1bc4d-e7ff-4a54-9ba2-541b392af182">2.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc846f1969e04bba8748293cf711a99a_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzUtMi0xLTEtNzE0Nzc0_60de6edf-a37f-496d-aa65-8f2ef0afa59a">6.98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9175d173f64649eb83a10793f0efe8b3_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzUtMy0xLTEtNzE0Nzc0_a21eddb5-8d42-4adb-945b-b54eb33b6ea7">1.86</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9175d173f64649eb83a10793f0efe8b3_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzUtNC0xLTEtNzE0Nzc0_886003ce-b981-4f0a-a7c7-0c41c9d6ba66">9.19</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6a8f88a67f1b4ccda79da1a9e25aa31b_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzUtNS0xLTEtNzE0Nzc0_8d848953-ba92-4fd8-b863-9cf78e34b5c8">3.29</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6a8f88a67f1b4ccda79da1a9e25aa31b_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzUtNi0xLTEtNzE0Nzc0_70ee0b26-ba7a-4c04-af7d-f0af9f794b05">12.87</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iefe22877f62f4640a81c522c0a1a884c_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzYtMS0xLTEtNzE0Nzc0_c0cef58e-6b76-4b0d-9e4a-5c0f5fc29f0b">2.34</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iefe22877f62f4640a81c522c0a1a884c_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzYtMi0xLTEtNzE0Nzc0_b9011ada-3dc5-400a-a8b6-5432c5ad02bc">6.91</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iacbbb7b63ead4d3e945718cb1111e52b_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzYtMy0xLTEtNzE0Nzc0_c96a72e7-6d05-404f-8262-b99c2c02c7e7">1.88</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iacbbb7b63ead4d3e945718cb1111e52b_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzYtNC0xLTEtNzE0Nzc0_2565e49d-b266-498a-a1a8-7d2364868645">7.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i87b701790f484c96b20e36668e89024b_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzYtNS0xLTEtNzE0Nzc0_f8a15afc-7550-4273-b610-8117fd9b81f0">3.43</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i87b701790f484c96b20e36668e89024b_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzYtNi0xLTEtNzE0Nzc0_15727079-fcba-4bf1-9283-973e8810231a">12.13</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1caae9e4fd3f4eeba75f923fc7c72bf0_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzctMS0xLTEtNzE0Nzc0_4d198940-1769-4e7d-bfa5-b9abb68cbe8c">2.28</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1caae9e4fd3f4eeba75f923fc7c72bf0_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzctMi0xLTEtNzE0Nzc0_19a1312e-b982-4907-99b1-5e4db4d79c00">6.85</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie30b23d359d147159cdbafb7ab7f7fd0_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzctMy0xLTEtNzE0Nzc0_2a8e6e2f-4025-4b42-9e88-d33af9a748b4">1.83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie30b23d359d147159cdbafb7ab7f7fd0_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzctNC0xLTEtNzE0Nzc0_f2e7cc29-4fe7-43cf-b662-c4644c4c03ea">7.85</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7c7982d40c174b6bb7071d08b2816e78_I20211231" decimals="4" name="bbva:GDP" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzctNS0xLTEtNzE0Nzc0_1bf6fac9-2763-4edb-92ac-c557fdda449f">3.51</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7c7982d40c174b6bb7071d08b2816e78_I20211231" decimals="4" name="bbva:Unemployment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpkODNkMGFiNDc1Nzg0NDI4YjA2M2JkODliY2YxOWQ1Ni90YWJsZXJhbmdlOmQ4M2QwYWI0NzU3ODQ0MjhiMDYzYmQ4OWJjZjE5ZDU2XzctNi0xLTEtNzE0Nzc0_cfbd3ab4-50f8-4d6c-b443-2c0c28188031">11.71</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-60</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i46ed07c1307641c39fc1f3c987654278" continuedAt="i2bdd32e23fa6444f9622726335ac3171"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Sensitivity to macroeconomic scenarios</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A sensitivity exercise has been carried out on the expected losses due to variations in the key hypotheses as they are the ones that introduce the greatest uncertainty in estimating such losses. As a first step, GDP and the House Price Index have been identified as the most relevant variables. These variables have been subjected to shocks of +/- 100 bps in their entire window with impact of the macro models. Independent sensitivities have been assessed, under the assumption of assigning a 100% probability to each determined scenario with these independent shocks. </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ExpectedLossVariationAsOfDecemberTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90ZXh0cmVnaW9uOmY4ZDAzZTU1YWFhZjQwNzM4MzVmMGY4Y2NkN2VjNTQwXzEzNTA_a414b48e-4fa9-4c1f-80ff-ba36d4ca6c3d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Variation in expected loss is determined both by re-staging (that is: in worse scenarios due to the recognition of lifetime credit losses for additional operations that are transferred to stage 2 from stage 1 where 12 months of losses are valued: or vice versa in improvement scenarios) as well as variations in the collective risk parameters (PD and LGD) of each financial instrument due to the changes defined in the macroeconomic forecasts of the scenario. The variation in the expected loss for the Group and the main portfolios and geographical areas is shown below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"><tr><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.054%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expected loss variation as of December 31, 2022</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA Group</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fixed income</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- 100 bps</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iabca980224d44ceea4b590d79dc7a4eb_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMS0xLTEtMTM0MjIwNQ_d0d71938-5a34-4177-a034-31dee5b9598c">223</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i89cd250e1009454dbe182589db77b7ba_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMi0xLTEtMTM0MjIwNQ_a6ff96ed-f28f-4efe-9941-afcbf34d2aaf">151</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ideaabd67cb634f09934cfedd3a677ed6_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMy0xLTEtMTM0MjIwNQ_bf8a9816-4da6-46fd-b946-b26a75c5f379">67</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i736e5fe620d64f238636bbf2133af823_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtNC0xLTEtMTM0MjIwNQ_39d6e6e8-fae1-415b-a953-c7d53929dc44">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ief159291e28c44d9bb3208a50c27f9d0_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtNS0xLTEtMTM0MjIwNQ_a83a820b-7457-4b73-9af1-901dcd9373ae">118</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i626270b8c4af4a8b9b2f61d1fa0f7740_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtNi0xLTEtMTM0MjIwNQ_f3851570-2c36-4b87-b14e-0e2d9d8e5a17">54</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2361588eaf1848448d821220a90f1794_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtNy0xLTEtMTM0MjIwNQ_b20ba737-cb4c-4f4c-959a-5022cffbb9b6">62</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iec73482f43e34251bf46546b5c451501_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtOC0xLTEtMTM0MjIwNQ_f7727e26-9ed4-4c0a-ad88-2a6028d0c231">67</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iddeeeaa175a0405faff003d7565c1869_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtOS0xLTEtMTM0MjIwNQ_0e100a38-2b1b-4f02-8c73-0b3463ce1b81">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i728d035c45e44e1f995f383dd454ac6c_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMTAtMS0xLTEzNDIyMDU_922104cf-3859-47af-9688-987a4a6cbca4">63</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i526db24b772d4ba091a2595b8f185035_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMTEtMS0xLTEzNDIyMDU_fbd84ee0-b8d1-4b4d-b1e6-88d2f079bba9">19</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8b9f8947d5604832aeefcfaf362bc7e7_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMTItMS0xLTEzNDIyMDU_99bdc6c2-1adc-4de7-be3a-b813ce1424d9">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i11da41e49a6c4107a5b7abd5fc588c11_I20221231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzQtMTMtMS0xLTEzNDIyMDU_cdf623b9-8a8d-49ce-a3ea-9deb2f198746">12</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+100 bps</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="iabca980224d44ceea4b590d79dc7a4eb_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMS0xLTEtMTM0MjIwNQ_67537bac-998b-4d07-b0e0-d9e42af4a101">195</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i89cd250e1009454dbe182589db77b7ba_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMi0xLTEtMTM0MjIwNQ_e75726a3-d039-494f-9494-4e54c47b85ac">135</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ideaabd67cb634f09934cfedd3a677ed6_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMy0xLTEtMTM0MjIwNQ_6c2e8052-4f00-4fc3-a138-3b21694f6d70">55</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i736e5fe620d64f238636bbf2133af823_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtNC0xLTEtMTM0MjIwNQ_acc7194d-1250-4165-a669-598e4d8ebc9d">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ief159291e28c44d9bb3208a50c27f9d0_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtNS0xLTEtMTM0MjIwNQ_b7c8e2fd-2b98-4ca3-8856-2fc53eba3838">95</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i626270b8c4af4a8b9b2f61d1fa0f7740_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtNi0xLTEtMTM0MjIwNQ_24d95017-6a40-4ee3-aefb-332a915dea8c">42</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i2361588eaf1848448d821220a90f1794_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtNy0xLTEtMTM0MjIwNQ_fb37d776-3fd6-47ca-807b-910c15e516ee">52</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="iec73482f43e34251bf46546b5c451501_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtOC0xLTEtMTM0MjIwNQ_eaca8f2d-983f-4a03-abb5-a34d1f0179ae">63</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="iddeeeaa175a0405faff003d7565c1869_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtOS0xLTEtMTM0MjIwNQ_c0838d11-1a48-4086-809a-d174d0fd561e">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i728d035c45e44e1f995f383dd454ac6c_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMTAtMS0xLTEzNDIyMDU_42c5c6e5-956a-43c4-90c9-57c189a8691f">60</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i526db24b772d4ba091a2595b8f185035_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMTEtMS0xLTEzNDIyMDU_8ed2a1f2-7421-4242-85ad-588e447cabe5">18</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i8b9f8947d5604832aeefcfaf362bc7e7_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMTItMS0xLTEzNDIyMDU_bc7e3780-37a8-4aae-a67a-25ef2f46d36c">5</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i11da41e49a6c4107a5b7abd5fc588c11_I20221231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzUtMTMtMS0xLTEzNDIyMDU_dd9fd99d-f103-40d4-9678-385a5d086e9e">11</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Housing price</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- 100 bps</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i626270b8c4af4a8b9b2f61d1fa0f7740_I20221231" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzctNi0xLTEtMTM0MjIwNQ_9855a5b5-89fd-40ba-a2a4-0e412c7b53ea">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2361588eaf1848448d821220a90f1794_I20221231" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzctNy0xLTEtMTM0MjIwNQ_18402390-9f2c-4300-a238-47a6cc1a537b">23</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i728d035c45e44e1f995f383dd454ac6c_I20221231" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzctMTAtMS0xLTEzNDIyMDU_42d0193d-7e92-41ea-9cc1-bfd8b3d2ab5c">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+100 bps</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i626270b8c4af4a8b9b2f61d1fa0f7740_I20221231" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzgtNi0xLTEtMTM0MjIwNQ_967c55fc-6902-41ea-bd52-57e1c84251dd">1</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i2361588eaf1848448d821220a90f1794_I20221231" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzgtNy0xLTEtMTM0MjIwNQ_6dda7d48-182f-43ce-b0b7-b412521e3f5a">22</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i728d035c45e44e1f995f383dd454ac6c_I20221231" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTo1MTkxYWRhOTU5ZGE0YTBhYTNlYTI4OGQxOTk0NDEwMC90YWJsZXJhbmdlOjUxOTFhZGE5NTlkYTRhMGFhM2VhMjg4ZDE5OTQ0MTAwXzgtMTAtMS0xLTEzNDIyMDU_c378543e-5de1-446d-be22-e6a33d7c8bd7">3</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"><tr><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.054%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expected loss variation as of December 31, 2021</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA Group</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">GDP</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fixed income</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Total Portfolio</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Companies</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Retail</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;- 100 bps</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3309e2b186724895b83a3fcb59af88ec_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMS0xLTEtMTM0MjIyMA_ba22f96a-540a-4623-a207-2aa4f1a8c150">237</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i71676c42cb354938a38757a45688381b_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMi0xLTEtMTM0MjIyMA_197095fc-01a7-4e87-818f-5057b0c4e12d">165</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ief42dd61c6274ba583495f6de310d448_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMy0xLTEtMTM0MjIyMA_5b404e78-2375-4f7b-b6e9-a1c853fed1d4">46</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i70158c82eff34de292b4e1859458bd5e_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtNC0xLTEtMTM0MjIyMA_2bc9520d-18ec-433b-a8e4-38e19007b87b">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3582f185a3254acca03f2417982045a7_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtNS0xLTEtMTM0MjIyMA_af31549c-1a25-4815-af24-163af7d629aa">92</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8e28a7a6bd164e2b901f92320d61dd9d_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtNi0xLTEtMTM0MjIyMA_fdee915b-c333-4083-b5eb-c7be20e21765">19</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2950b04003a646a79724a30dde5e75c1_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtNy0xLTEtMTM0MjIyMA_cf9b7bc9-fbb5-4c43-b4df-bb53ec12c15c">58</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i89e75161890042f1905d9217306ef666_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtOC0xLTEtMTM0MjIyMA_32b27dcd-2156-4497-bb97-e97464aabb02">72</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if3f09102fd4e4f89a9a3b6af4f6f9132_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtOS0xLTEtMTM0MjIyMA_b77b79f7-74bd-472e-b6ab-57608f764fd9">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibaccc689164444eb857ae9ea5c98389c_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMTAtMS0xLTEzNDIyMjA_0bed3656-39ef-4a9b-9c67-e36c1406abb7">65</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib641e10094b848eab79e691764cace32_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMTEtMS0xLTEzNDIyMjA_b0b9a871-b72a-4001-a017-3926d36e8152">17</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if9b8dfe07c664711a5da41c7088bb19f_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMTItMS0xLTEzNDIyMjA_21e44ac0-f698-4ca3-9f0d-17ce9598b35d">6</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2d7c2c7516f44017872aedac346d3e7b_I20211231" decimals="4" name="bbva:GDP100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzQtMTMtMS0xLTEzNDIyMjA_fe49b9d8-e6ed-47a4-ab67-7f2b91b804a7">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;+100 bps</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i3309e2b186724895b83a3fcb59af88ec_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtMi0xLTEtMTM0MjIyMA_d8973a09-c4a4-428b-97db-9bc4462c5b82">158</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ief42dd61c6274ba583495f6de310d448_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtNC0xLTEtMTM0MjIyMA_ca4c87dd-9db4-4be2-a941-7a4c3c945d68">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i3582f185a3254acca03f2417982045a7_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtNS0xLTEtMTM0MjIyMA_590c9bfd-1f7a-40ee-838b-02a95e4ce52a">88</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i8e28a7a6bd164e2b901f92320d61dd9d_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtNi0xLTEtMTM0MjIyMA_98e5649d-beb5-46b9-b358-4c744c4554fe">18</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i2950b04003a646a79724a30dde5e75c1_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtNy0xLTEtMTM0MjIyMA_f72488bb-9ce8-4569-bbb7-49e646629a03">57</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i89e75161890042f1905d9217306ef666_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtOS0xLTEtMTM0MjIyMA_47f39e7f-ae32-45b9-af9f-3a9ead3b4daa">4</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ibaccc689164444eb857ae9ea5c98389c_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtMTAtMS0xLTEzNDIyMjA_679fc4b0-da1f-4170-ac89-74c5c3c1120e">61</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ib641e10094b848eab79e691764cace32_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtMTEtMS0xLTEzNDIyMjA_899a1c32-a7e5-41ec-8fed-13a2a276c897">17</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="if9b8dfe07c664711a5da41c7088bb19f_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtMTItMS0xLTEzNDIyMjA_fefb834e-6765-41be-9c71-0aafbcdf31dc">6</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i2d7c2c7516f44017872aedac346d3e7b_I20211231" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzUtMTMtMS0xLTEzNDIyMjA_1096a936-80b8-4423-b2e4-f86703e20e7b">10</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Housing price</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;- 100 bps</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8e28a7a6bd164e2b901f92320d61dd9d_I20211231" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzctNi0xLTEtMTM0MjIyMA_bd69b797-174c-4812-beba-11d94c3682e3">4</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2950b04003a646a79724a30dde5e75c1_I20211231" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzctNy0xLTEtMTM0MjIyMA_511119a6-aaf8-4469-93a2-121c6a38fe71">54</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibaccc689164444eb857ae9ea5c98389c_I20211231" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzctMTAtMS0xLTEzNDIyMjA_271ca417-2a1f-4b17-bfa9-1f96b27f4cad">5</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;+100 bps</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i8e28a7a6bd164e2b901f92320d61dd9d_I20211231" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzgtNi0xLTEtMTM0MjIyMA_3a1bcc7a-421a-4aeb-8d59-4d7b6fad7d53">4</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i2950b04003a646a79724a30dde5e75c1_I20211231" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzgtNy0xLTEtMTM0MjIyMA_36960551-9e1b-447d-ba29-8985fb045a01">53</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ibaccc689164444eb857ae9ea5c98389c_I20211231" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjQvZnJhZzpmOGQwM2U1NWFhYWY0MDczODM1ZjBmOGNjZDdlYzU0MC90YWJsZTpjMWZmZTQwYWI0YjY0MmI0YWJlZTZkZjgyZTMyMWQ1ZS90YWJsZXJhbmdlOmMxZmZlNDBhYjRiNjQyYjRhYmVlNmRmODJlMzIxZDVlXzgtMTAtMS0xLTEzNDIyMjA_1a3359a7-3c64-420d-b82c-c485ea52dbff">5</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Additional adjustments to expected loss measurement</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group periodically reviews its individual estimates and its models for the collective estimate of expected losses as well as the effect of macroeconomic scenarios on them. In addition, the Group may supplement the expected losses to account for the effects that may not be included, either by considering additional risk factors, or by the incorporation of sectorial particularities or particularities that may affect a set of operations or borrowers, following a formal internal approval process established for this purpose.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, in the case of Spain, the expected losses of operations considered unlikely to pay were reviewed, adjusting, in the model, the severity of these transactions to align it with that of impaired loans, which resulted in the recording of an additional provision of &#8364;250 million in the income statement for the year 2022. Similarly, during 2021, for clients benefiting from the measures of RDL 6/2012, loss given default was reviewed and adjusted. The remaining amount of the 2021 adjustment at the end of 2022 was &#8364;138 million, with no significant variation in year. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The complementary adjustments pending allocation to specific operations or clients as of December 31, 2022 totaled &#8364;302 million, of which &#8364;170&#160;million corresponded to BBVA, S.A., &#8364;92 million to Mexico, &#8364;25 million to Peru, &#8364;11 million to Colombia and &#8364;5 million to Chile. In comparison, as of December 31, 2021, the complementary adjustments pending allocation to specific operations or clients amounted to &#8364;311 million, of which &#8364;226 million corresponded to Spain, &#8364;68 million to Mexico and &#8364;18 million euros to Peru. The variation in the year is due to, on the one hand, the revision or partial consumption of the adjustments that were deemed necessary in connection with payment deferrals, public guarantees or sectors most affected by the pandemic and, on the other hand, the additional losses amounting to &#8364;150 million relating to exposures to the corporate portfolios mainly of Spain, Mexico, Peru and Colombia (wholesale borrowers and small and medium enterprises), which could be more affected by the economic context of high inflation, interest rates or energy prices.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-61</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_667"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.2.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i2bdd32e23fa6444f9622726335ac3171" continuedAt="icb4f956f9d94432088c6268a75f7730f">Credit risk exposure</ix:continuation></span></div><ix:continuation id="icb4f956f9d94432088c6268a75f7730f" continuedAt="ia5b5d63ce91f4bb1a68af734c3d7d5df"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> <ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MaximumCreditRiskExposureTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzI3Mzk_ba27ab33-c585-4783-98c5-dd14a224d034" continuedAt="i4a58f7c2e5e64e8d847980a6cc698832" escape="true">BBVA Group&#8217;s credit risk exposure by headings in the consolidated balance sheets as of December 31, 2022, 2021 and 2020 is provided below. It does not consider the loss allowances and the availability of collateral or other credit enhancements to enable compliance with payment obligations. The details are broken down by financial instruments:</ix:nonNumeric></span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:continuation id="i4a58f7c2e5e64e8d847980a6cc698832" continuedAt="ia177fd9c182b47c8887e14b0fd8b9537"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:51.904%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.300%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum credit risk exposure (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December            <br/> 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading </span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice7ea6ebf7bc40949b207bde1e07171b_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzItMi0xLTEtNzE0Nzc0_7fe10870-4402-403b-adc8-0c98874a5750">70,763</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i216584395abe4e4793ef6d5ce0518705_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzMtMi0xLTEtNzE0Nzc0_852238c3-6a06-4c6d-b3db-8b275daa0efa">4,404</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6268a17aea994c9c90fb00e1acf3e50d_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzQtMi0xLTEtNzE0Nzc0_07c9f225-e2e1-4aae-8b0c-0e119bd9d0ec">24,367</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38996b119b0b4eb5a11dfa07344549eb_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzUtMi0xLTEtNzE0Nzc0_0de4156f-f747-496a-a96b-c47cd3f9304a">41,993</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9141bfda444143b38609e0ea3f7942d9_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzYtMi0xLTEtNzE0Nzc0_850c291a-8a2b-4ec8-b99a-e2af3a779887">6,888</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabc9b5bd24d34dd9b6607c6fbe6cf4c7_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzctMi0xLTEtNzE0Nzc0_fec6b9a9-7831-4384-9948-a187204d3de0">6,511</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c26153214754a91a5be02642ab77191_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzgtMi0xLTEtNzE0Nzc0_b702bbcd-b6d1-458b-9f9e-8e7fe97d4f44">129</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffb3ed18d3bc49e394f27313da7d2839_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzktMi0xLTEtNzE0Nzc0_1ed91e31-5ee8-4d6b-af2f-f36082393144">247</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3465c70cccf14f0187f7c126a9c356e0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzEwLTItMS0xLTcxNDc3NA_57647b23-4c9d-433f-9def-2d25a1cd9429">913</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives (trading and hedging) </span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32989fcd540942d385fe1906aa6122bf_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzExLTItMS0xLTcxNDc3NA_8a34e466-66a1-47a1-900c-6b77d784f213">53,101</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i554f548175a84d719a5ecec980a176b0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzEyLTItMS0xLTcxNDc3NA_59aeb856-621c-4396-a0f8-d096ac64e2bd">59,100</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a79029ace384f74a80b26d4c077479d_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzEzLTItMS0xLTcxNDc3NA_b393c018-1ac9-4201-94b4-f94f616530fd">1,198</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6ff5d8ecc5c64aec964b49a6e1faba45_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE0LTItMS0xLTcxNDc3NA_5a6b23dc-0a37-4de7-b43b-5b84c4800b6e">57,876</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66e35b35830248cd91f1a9dfd953923a_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE0LTMtMS0xLTcxNDc3NA_ec22bbf8-a722-4ba8-b51f-b684633f45a4">57,028</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic48ec1592b4c4e629b51a46c29c7d44f_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE0LTQtMS0xLTcxNDc3NA_7ca6c912-43e4-4530-afc0-252d63626428">822</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0bfef4eabcc4e178ae1f8add39a6f1c_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE0LTUtMS0xLTcxNDc3NA_7ed64fe6-85d3-488a-87ad-5b1abe3ed276">26</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53b9fe4b99af4380aa85bb666281666c_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE1LTItMS0xLTcxNDc3NA_a8d10d4b-a060-4968-b16d-e7f7480c7ac6">26</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b3e021d59b44602a17f2a2d3e2df790_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE1LTMtMS0xLTcxNDc3NA_0cf4a028-aea4-4709-830e-0f135f03e549">26</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0700cfe9ef9245e888d7b270a2e22090_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE1LTQtMS0xLTcxNDc3NA_62db213f-df0a-458d-ad10-98a7c2fa73e4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icca4d14ddf504e3d949011b709813c59_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE1LTUtMS0xLTcxNDc3NA_6cbf69ab-ba21-4a46-875e-9f18cc4a7dc1">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4af3eac78e74c0c98d91feef11888dc_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE2LTItMS0xLTcxNDc3NA_de7befc1-cb96-4b84-9000-114f36f1515b">433,445</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaff7171244e048f19b57c71e8cc21cd0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE2LTMtMS0xLTcxNDc3NA_cab4c54c-abde-4466-a17e-2c9575d38339">386,048</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2d0d27bd5f14811b86c90fce6db1799_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE2LTQtMS0xLTcxNDc3NA_cdd9606d-2932-48eb-8b66-feff9fcc6ad9">33,873</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie52c2634ac17411ba774b685605867f0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE2LTUtMS0xLTcxNDc3NA_bf252cd9-e640-4b3a-88d4-acab430767d9">13,523</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie1b460f4eea14addab0d3666276fd13c_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE3LTItMS0xLTcxNDc3NA_5026037a-7c59-4988-a3e6-4de872a5b643">43,700</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3552a89be2e049cbb9bbbde034aa6c32_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE3LTMtMS0xLTcxNDc3NA_569438cd-87b1-44bc-b9de-319b0ce02cf0">43,433</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d3de93589e14c80bfc87a2736de4fc4_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE3LTQtMS0xLTcxNDc3NA_6f0f6e15-7656-4656-8d63-330bada0201b">237</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i580caff2aab34195973a6d9c567a2df8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE3LTUtMS0xLTcxNDc3NA_707ab454-cc35-423f-925f-5da19f7c3319">30</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idfcd09a789de4a1990b47d8362e2e611_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE4LTItMS0xLTcxNDc3NA_3b386909-1574-454a-845d-98a66a99850b">4,420</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9317b1a16b354123a56f05e9a83b3c09_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE4LTMtMS0xLTcxNDc3NA_6cfe56ed-a031-4ec2-b60f-f133f41b9363">4,420</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i80bd3ea8bbc646a08721236cea1334cd_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE4LTQtMS0xLTcxNDc3NA_8568e34b-b1d7-4ee2-8bbb-425f33d2c7bf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icdc40b92a1f44062b62965d9d3978577_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzE4LTUtMS0xLTcxNDc3NA_6bb73235-5834-4889-aa78-75e96f224b26">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id93f0a64d3bf4c65a52669a07c22c0a1_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzI1LTItMS0xLTcxNDc3NA_42e43996-6611-4c82-a848-2b2f8f163eff">16,066</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9ebde1c5b6d4a1385df1d9a4763443e_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzI1LTMtMS0xLTcxNDc3NA_feaeeb32-6c09-4f05-9dff-cbfd33bcd6c3">15,997</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ba0a667fe0f48afb1789ae1a6ac50d8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzI1LTQtMS0xLTcxNDc3NA_9b3d92af-b575-4432-aacd-57adeb2ed899">69</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="id324176bb49e4b1bbbb858e12baeccec_I20221231" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzI1LTUtMS0xLTcxNDc3NA_2a36af65-d336-4165-9c2b-687792c614bd"></ix:nonFraction></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic282591b3bfe4907bf966316f2e99ff8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzMwLTItMS0xLTcxNDc3NA_57682b82-389d-46a9-8cc7-0dae4056d374">369,260</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i814b986850d54b25b5e011dbc3b8b15b_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzMwLTMtMS0xLTcxNDc3NA_4deb7d5a-47b0-4211-9ad8-03ff10554764">322,199</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i337bc956806e4f3ea7d1008be1ff295b_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzMwLTQtMS0xLTcxNDc3NA_ceac5688-8f4f-433b-9aed-fff909a7d422">33,568</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i389c86af5c994528b08f0e4b13df5a69_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzMwLTUtMS0xLTcxNDc3NA_53d8c5b4-fc4f-4e15-859e-1c03f51a8f65">13,493</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets risk</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i14ec0f01b4894118999cba5d6595de4a_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM1LTItMS0xLTcxNDc3NA_11572b4e-3f6c-4388-8ca0-4004676768db">624,210</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loan commitments and financial guarantees</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1dd10d4a76b45d2810bdfa77279467c_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM2LTItMS0xLTcxNDc3NA_3aada913-b251-4384-9e2e-942dc6066199">192,568</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ideadcebeebc545ab88de71e45e5d62e7_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM2LTMtMS0xLTcxNDc3NA_8cfd320f-6848-4fc6-b5b6-752c1cf2a4fe">181,427</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6054c58a4d648eb8240bccb66395e6a_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM2LTQtMS0xLTcxNDc3NA_0fd54c32-063f-4c2c-8798-e9537d351e3c">9,993</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id143d590a80d415d995f4eeb6d5f7cc6_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM2LTUtMS0xLTcxNDc3NA_39b8e729-30e7-47d5-b391-22492d1ac31a">1,147</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdc0e8cef6b84fdb9c11f5549bac3750_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM3LTItMS0xLTcxNDc3NA_a60750bc-fa32-43a2-af95-f2d26cd0ffe4">136,920</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6352136dcdfc49efb4d1939ec1362044_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM3LTMtMS0xLTcxNDc3NA_1a3addf6-710a-433b-b6fe-11865675bafc">130,459</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51a1473b27c849eb84c679dc9160c520_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM3LTQtMS0xLTcxNDc3NA_bb4dde8e-b502-4e54-9a01-5a5066d6ac9f">6,283</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9cec8c7ce01540f6943238aed2c7330e_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM3LTUtMS0xLTcxNDc3NA_f476e0b9-7b02-47f7-906a-a18e86e9cf2f">177</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41fe0e5dd08348fb95f4be97f614487f_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM4LTItMS0xLTcxNDc3NA_02bb885c-0d0a-4387-8418-1939abdf7515">16,511</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c8ee55c1a6f4dcb9d6f50f79616df66_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM4LTMtMS0xLTcxNDc3NA_d87112ae-446a-42a8-b270-a7b87516726f">15,214</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i168cb6bf2427434b9d2c29dc96adbc71_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM4LTQtMS0xLTcxNDc3NA_b5999e25-4adf-49bd-9db6-04820d8f5a58">1,015</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib512ecea4d424c71903be718fdd4f1b8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM4LTUtMS0xLTcxNDc3NA_08391946-16fa-419a-b429-09ad70b559e6">281</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7df13b84910f4a8bb1db209383836a28_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM5LTItMS0xLTcxNDc3NA_eed94440-f9db-44ee-a4c6-4519b766eb9b">39,137</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31c233ecb9a14c12a50860cd2b66b3b5_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM5LTMtMS0xLTcxNDc3NA_61480568-1e9a-420f-a4fe-b83ae5a6bd5f">35,753</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a656901536b4ed3a4bf23b50711cf27_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM5LTQtMS0xLTcxNDc3NA_824ca774-cc11-4598-b293-69887a38f030">2,695</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8af1c6b79bd74f33b2cf1055fcc7c273_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzM5LTUtMS0xLTcxNDc3NA_5a89e385-2add-49cc-b5cb-24048cf94e73">689</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total maximum credit exposure</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id9b3da41a516445f88ba0d0588f5cc3d_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyMDhjMmI0YTI1ODQ0NTU4OWNlMDYxMjczZGIwZWViOC90YWJsZXJhbmdlOjIwOGMyYjRhMjU4NDQ1NTg5Y2UwNjEyNzNkYjBlZWI4XzQwLTItMS0xLTcxNDc3NA_414b51d3-f445-44bb-b646-2e49d1acd2d6">816,778</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td></tr></table></ix:continuation></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-62</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia5b5d63ce91f4bb1a68af734c3d7d5df" continuedAt="iac0ce3119c2e43f3b4c7af78063e6094"><ix:continuation id="ia177fd9c182b47c8887e14b0fd8b9537"><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:51.904%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.300%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maximum credit risk exposure (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December<br/>2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading </span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5f7697ff788484fa9d44cacab4bd4d4_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzItMi0xLTEtNzE0Nzc0_81b732d5-716f-437f-8a23-82bc040939fd">92,560</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i240361cfeef347e2b3d3ad171678c813_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzMtMi0xLTEtNzE0Nzc0_a68c62fa-09a2-41fa-a5b0-05b8536deda8">15,963</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id616366bf1bf439b953047bae7ba857c_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzQtMi0xLTEtNzE0Nzc0_0e2972a1-e8ca-416f-a7ba-6366456bbe18">25,790</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07825f746d784e77b49fe7c9427f11b4_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzUtMi0xLTEtNzE0Nzc0_58a66622-a511-4a8a-8eac-6660fde9ec67">50,807</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b73ed0021d243d6a963f9c40484c4a8_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzYtMi0xLTEtNzE0Nzc0_38efbef2-0f41-4b7e-8d69-d5dbb50d1012">6,086</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7560778f4b764e90a20c5d1ad3e8169f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzctMi0xLTEtNzE0Nzc0_b9bb1057-b605-47b4-b173-040df2655ef6">5,303</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f5412d70a634da58aa95a6ca22beb13_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzgtMi0xLTEtNzE0Nzc0_00a24783-e721-4625-838f-a2357d42715f">128</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a7b519a276c42c181ff888ab5f68c07_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzktMi0xLTEtNzE0Nzc0_11b96dc0-f8f4-4c6d-ac3f-b3f87751a4ef">655</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8f67745685a44e6b17fe83ca0d2e8e0_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzEwLTItMS0xLTcxNDc3NA_c37f6a34-c9dd-4ae0-a58d-9ea9f0093aa3">1,092</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives (trading and hedging) </span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf16da2dd3194062bd87bb695347adda_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzExLTItMS0xLTcxNDc3NA_dc7f30cf-16b1-4dfa-8d1c-6d9c676915d0">43,687</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26e9de0ed54944f48709205cd2ec787b_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzEyLTItMS0xLTcxNDc3NA_3cd0a556-cb5e-44b2-9848-93f042b50f57">60,495</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaff75a22e14a482083ad9192323dfa6d_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzEzLTItMS0xLTcxNDc3NA_1eb974f8-8156-492d-88ad-6e4cb5fcc9d0">1,320</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb5c611231c246d2bbfdf0c42cbb9503_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE0LTItMS0xLTcxNDc3NA_22b6f138-9975-49a1-a913-711088b45e19">59,148</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e0ef44c49474ffc9537fcdc3e89b8a1_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE0LTMtMS0xLTcxNDc3NA_f15d57a4-05cd-44ff-9f45-53cce8441a21">58,587</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad13918ae54f49c5821607f46b617ef5_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE0LTQtMS0xLTcxNDc3NA_e627b935-8021-4cf9-8f85-06beec58f8a6">561</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31f81a79f8ba4d42bed4cf7733a0bb95_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE0LTUtMS0xLTcxNDc3NA_4781fc3e-4e3a-4674-8b83-03086eab69c5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5e1db147aed48c289e4f5e1a0369433_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE1LTItMS0xLTcxNDc3NA_ac675fc5-07f5-41e2-9175-55f7882e18af">27</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6beda5a0a34a41f78b6109fafbdbb279_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE1LTMtMS0xLTcxNDc3NA_dba740f6-888e-4693-abe7-f70ab7b1e941">27</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i670aa5df852e40ac8cb70c6794ea6bb8_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE1LTQtMS0xLTcxNDc3NA_979bde4e-2128-40c8-82d3-f458d01c0d21">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f2ac3acaf2c44ba968a98d06132d3f0_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE1LTUtMS0xLTcxNDc3NA_a3d16916-7f3d-4f84-a435-26762fabbe17">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if82f2379ed944e328c5c7d914842bc59_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE2LTItMS0xLTcxNDc3NA_f430a3cd-85a7-4d48-8052-0a3942c82307">383,870</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ab9bc2b174a4df597836cfb4af5da52_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE2LTMtMS0xLTcxNDc3NA_65526119-e293-40db-a013-89190a18f338">334,772</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cd600e3fa4d4f6195b817cd3cef1aa8_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE2LTQtMS0xLTcxNDc3NA_33eddaf8-cd0f-47a1-8298-93d72af05acd">34,418</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic77a6f434949454a834e757387dfa6fa_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE2LTUtMS0xLTcxNDc3NA_38520d48-a169-445a-87ab-1c7e61ca7065">14,680</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i211419a23bd84ddda6dfdeb102ab4dd1_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE3LTItMS0xLTcxNDc3NA_dd3d536a-f54f-4ab6-a864-7991c280bf8f">34,833</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30a8e77dd4124d54ac795e27eb7bf233_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE3LTMtMS0xLTcxNDc3NA_5b3ef86b-e572-4309-acae-212d417e44b2">34,605</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if288a7a554634a9cbf1249f1021264f2_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE3LTQtMS0xLTcxNDc3NA_ea48a139-3fd9-456e-8698-e497775678ba">205</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7f55ba088e34fa1bf92c55d0b71c96a_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE3LTUtMS0xLTcxNDc3NA_497b5e6c-6712-4010-a793-98dc4e1cc544">22</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dfd4bc6641e4736926bbb2928166776_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE4LTItMS0xLTcxNDc3NA_0898e422-db9a-42ce-a663-7cf350d0cd61">5,687</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic71383280a9e4ad583f05eed1a6d896d_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE4LTMtMS0xLTcxNDc3NA_d6de7bd9-4b05-4ae1-ad7a-044ea95d8d7a">5,687</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d4fee84d83642649ee7e83eeb7cde9b_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE4LTQtMS0xLTcxNDc3NA_816e12e1-7f12-43b9-9832-45d8b99e8906">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8a1f28233c14e59be4e67d96ddeb659_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE4LTUtMS0xLTcxNDc3NA_09c1b5ed-6434-477d-a47b-55ab7fbd0805">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i40a5bf3b2bce430aa82801076d4bfc5f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE5LTItMS0xLTcxNDc3NA_92e426db-d752-4571-afdb-67e29a0f0a22">13,295</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i924342383c6740ecbf3c1fe81fdca21d_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE5LTMtMS0xLTcxNDc3NA_5494ee31-8477-42a1-ba5f-914e5e063f21">13,285</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9827bbc2b3d147a68d8cc6db66954ef8_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE5LTQtMS0xLTcxNDc3NA_3061d55f-353e-4b2b-8802-9aa1a12210bd">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8148a18d52ba4a4aaf2fa50e3f87f013_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzE5LTUtMS0xLTcxNDc3NA_c6c58e40-7b95-4a61-ac0c-87339d530946">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63da34aadaa64a7db8f512e7519625fb_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIwLTItMS0xLTcxNDc3NA_556bb32c-a4b2-4a1d-94c3-2670daad20e1">330,055</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7ee1f0077b74c1e8c122e1e33b2d90e_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIwLTMtMS0xLTcxNDc3NA_162aad91-0291-444a-99b0-345842f760b9">281,195</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98ed475f12a24b85933e0fafb0aed5f2_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIwLTQtMS0xLTcxNDc3NA_6e56913f-8b91-4459-997c-27bf0dc9051a">34,203</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4a448fed80d4db18beed09aa0215f7f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIwLTUtMS0xLTcxNDc3NA_7b14115d-4bd2-4451-aa70-d89c7226e79b">14,657</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets risk</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if04e98fbf8e4400eb3588f14f1eab74d_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIxLTItMS0xLTcxNDc3NA_8712f4fe-3d8a-4715-8e08-56cc1b9da064">587,789</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loan commitments and financial guarantees</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic14e5acd3a9f4170b516f3c838afd756_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIyLTItMS0xLTcxNDc3NA_8935b15d-98da-459c-9555-09eed7428c0b">165,941</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3b7b816baf347f3a16c9c0f02b53393_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIyLTMtMS0xLTcxNDc3NA_4545534b-356b-4cf8-add4-47bbdcf937b2">152,914</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1fd9a66cedae4fe782a0423cb79b9297_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIyLTQtMS0xLTcxNDc3NA_074845fa-b39a-49d2-b7e4-db7675825e5b">12,070</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55772ffedacb497a9045ce6540bc7869_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIyLTUtMS0xLTcxNDc3NA_ca32c879-8dbc-48b7-9ac1-c886f25ada0a">957</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8694980f847740babcbff6f2e69939be_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIzLTItMS0xLTcxNDc3NA_d5a0744e-5b0e-46ce-9986-58fd75b0b14b">119,618</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6175916e72ff441086b35e51296bbbb1_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIzLTMtMS0xLTcxNDc3NA_e16ac83a-0a9a-4cf4-be8e-2d822e296a63">112,494</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6862f52477ae4c8aabb57a012de321cc_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIzLTQtMS0xLTcxNDc3NA_0899f294-c173-478e-abc7-2bea7175dbb5">6,953</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53cd39237caf493493224997290f5597_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzIzLTUtMS0xLTcxNDc3NA_1e5b0121-d85f-4d02-bb8f-93f730afb5f9">171</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i57c3291867e440b28a8504605023e79f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI0LTItMS0xLTcxNDc3NA_84b14919-50e9-4259-b02e-e9aa9cc65e02">11,720</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53027eea9ff0404e9f3b2d5635d82ffa_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI0LTMtMS0xLTcxNDc3NA_ff4fd271-b257-4259-912e-73f798cd5fd5">10,146</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i373dc0fca56b4e3cb238eb41ec7b599b_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI0LTQtMS0xLTcxNDc3NA_21536c34-00c4-4af6-bd8d-652b3c17b0d2">1,329</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i70c28ff24829453e9a3a1a96d8129e23_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI0LTUtMS0xLTcxNDc3NA_2bd4f710-afc9-4711-b5df-129b7272cd7a">245</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i65a19ba0610740eaa852fd955ece5923_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI1LTItMS0xLTcxNDc3NA_e7f73b0d-a849-4f9a-8c47-3fbcb2d4f158">34,604</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9f6a066b5d44ab8b09bff1d07d5760f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI1LTMtMS0xLTcxNDc3NA_de688534-cefa-4067-a9df-445ab95578c9">30,274</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53595d6280a94e3f9fc177160e6dd333_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI1LTQtMS0xLTcxNDc3NA_351e1926-931a-4ef5-b1d7-49295e15e123">3,789</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic38775b226df4a668cc67f8004604cdb_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI1LTUtMS0xLTcxNDc3NA_f636b595-e8f0-490a-b04d-927f550c2d89">541</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total maximum credit exposure</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45c92a8a88eb4569b733a90cabcac63a_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToyZTlmZmZjZGFlNTc0M2E2OGM3NTlmOGEwZjE0YmEwNi90YWJsZXJhbmdlOjJlOWZmZmNkYWU1NzQzYTY4Yzc1OWY4YTBmMTRiYTA2XzI2LTItMS0xLTcxNDc3NA_04ab20a3-45ab-4cd6-8cc2-82f1717ec48a">753,730</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:51.904%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.300%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum credit risk exposure (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading </span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e04f1ea90dd4506bf62f6be864a4900_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzItMi0xLTEtNzE0Nzc0_5c6ccbb8-fe77-4fad-9cba-ae0c4fed5ca4">65,696</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8deb0642134a40f99ef28e551051c44b_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzMtMi0xLTEtNzE0Nzc0_cd322970-b5b5-45cd-93ad-770fd67a2b50">11,458</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id78de750504347a7b7476d0908046aa4_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzQtMi0xLTEtNzE0Nzc0_75fab0ef-3ed9-4dab-8497-f9694d560c05">23,970</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29499895f1b64e05bf543f5362b5ff8e_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzUtMi0xLTEtNzE0Nzc0_d41966b5-247b-4a56-a3d3-7874b1867ff2">30,268</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i392d430276d245a6979b3061415e6a85_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzYtMi0xLTEtNzE0Nzc0_c15db448-9be3-47ba-838a-bc96d7a5cd82">5,198</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1eeb6a4ee714816bff941a7b7110ff3_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzctMi0xLTEtNzE0Nzc0_f6a6c33f-9dea-43e7-9aa8-af21833573b0">4,133</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i883951e601074b56a69dc9b0e6845ef7_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzgtMi0xLTEtNzE0Nzc0_84bad779-aeb1-4486-9a50-a430e3c433c9">356</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07b3a4292b6f498aa6b8765a7a198438_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzktMi0xLTEtNzE0Nzc0_5461ea16-6fda-4bae-9da8-5554e0bdd4bb">709</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if1d5d26e65fc4a598dc31fd3bb7a2e9c_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzEwLTItMS0xLTcxNDc3NA_ef533faa-52b3-46c6-a0d1-ac6dacc47641">1,117</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives (trading and hedging) </span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icad41eeadd9c4b4ea0947e41ac5d4f97_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzExLTItMS0xLTcxNDc3NA_a3f5c6c4-e7a7-4b89-af90-8bf1ee39e1ed">46,302</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99e98605ce3e44cf860679b044783b8d_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzEyLTItMS0xLTcxNDc3NA_e71388d8-b9f7-4e50-927f-de4c860df454">69,537</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02c9fc61ba614a169d05571d232129b9_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzEzLTItMS0xLTcxNDc3NA_dfb65847-80a1-4ce4-b1fd-73fd08d80ea5">1,100</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0242731aba244618b42c9a28689c4558_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE0LTItMS0xLTcxNDc3NA_3f164047-586d-4d9b-ac56-1917fa211606">68,404</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f33dd3396d44b5c85ea0ce0eed49d21_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE0LTMtMS0xLTcxNDc3NA_3de3c466-3bf8-4293-a885-27321e20709b">67,995</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifda288d74e314a66a64e3c359e2de587_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE0LTQtMS0xLTcxNDc3NA_3ed15559-69e2-4a4a-afc3-c3f311cf39a0">410</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b73418d9ca742cb98a39325639f7c86_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE0LTUtMS0xLTcxNDc3NA_f35d2360-cb91-4842-84dd-65ee53adb485">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6669baf8d08d43818407e880c9f477b8_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE1LTItMS0xLTcxNDc3NA_52b427b7-4f3f-48a5-b2ac-6218110d72be">33</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64bb141e75914d79ba36f176cd1e06d5_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE1LTMtMS0xLTcxNDc3NA_445b3e79-6886-4cae-a7c0-355297f8b99e">33</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3f404c5a75b4183a80e8cb42cfb4086_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE1LTQtMS0xLTcxNDc3NA_f1e7bff3-3989-43fa-a034-0f56983a48d5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i529b2b6256d1466589a4764bd1d5ae96_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE1LTUtMS0xLTcxNDc3NA_3d611427-3e9f-4e3e-ad79-075c00a3f9db">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b90fb94b66445179dabe1fccfd8613a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE2LTItMS0xLTcxNDc3NA_529af383-8acc-4816-aaa7-553aefb4e6f6">379,857</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d2e16f445674c66b4f04322601a3c95_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE2LTMtMS0xLTcxNDc3NA_787d6ea6-4d2b-4383-b20b-a4e9dfd7bb8a">334,552</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9fbc95a26dc441bba0fe22ec0261cfb7_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE2LTQtMS0xLTcxNDc3NA_b8ffd477-d848-47c6-975c-923a8b4b6885">30,607</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7692c8336be4dc48ba49b00cb04539f_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE2LTUtMS0xLTcxNDc3NA_9ee61f9e-bdd7-4ebd-9c1a-dc79bea8cf27">14,698</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41438901cfa44a4392e42a8b6ae04cac_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE3LTItMS0xLTcxNDc3NA_34fd6ada-fbd9-419a-b694-c808917c632d">35,785</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1dd8054039634b21bc7fb8a43883065f_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE3LTMtMS0xLTcxNDc3NA_8e9eae89-02ae-4234-addb-e64a8c568575">35,759</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99876b841dca4309b2f0b3b8e0c81ecd_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE3LTQtMS0xLTcxNDc3NA_c00570f9-7d60-4000-8f71-89b8cb7fd326">6</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45f95234dd7a408c9b67e805651aa5d7_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE3LTUtMS0xLTcxNDc3NA_3f3d6838-5e1f-4a86-a49f-dbaaf763689d">20</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i68762051b03645cda50627f95eb504e9_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE4LTItMS0xLTcxNDc3NA_ac9f0721-ddcf-4a54-b3b1-543775ac60df">6,229</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2de6205901a74d308f1411c73c7e2713_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE4LTMtMS0xLTcxNDc3NA_847111fb-7b08-4e5d-b352-d7e89d6c8e99">6,229</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3805c221a3d4d4884638501f0614a34_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE4LTQtMS0xLTcxNDc3NA_1d3ec4f5-111d-48ce-a8b2-909213e6bce3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i987f052bbfc24411acd2ba10eaa57604_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE4LTUtMS0xLTcxNDc3NA_38cb7f45-f17d-44ae-9bb7-39201dd4cb24">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa5268ec3b394cdda5d5a563d845be85_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE5LTItMS0xLTcxNDc3NA_4c3ae61f-4499-4d5d-80bc-614452e541eb">14,591</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22b090529c88436d8013279a972eebe4_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE5LTMtMS0xLTcxNDc3NA_5bf77e07-d561-4291-aade-22863163a29c">14,565</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6205f3fdec23474d9cefce66331bd3eb_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE5LTQtMS0xLTcxNDc3NA_0a38a9b2-fd53-48cf-a205-87287ff3ff13">20</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i019df32ba9944483b6314fb402157636_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzE5LTUtMS0xLTcxNDc3NA_8a67246e-2b78-41e8-bc4d-f811ea733e31">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7965f171582a4d038f85d9d50e6c2ec4_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIwLTItMS0xLTcxNDc3NA_0888e75a-8985-4141-b011-9e68e8a60983">323,252</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5f8b5363ca74af097b3c804788ccd3a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIwLTMtMS0xLTcxNDc3NA_e7528744-fc4d-42c4-8d42-3740b0859a98">277,998</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6f8b6cb9f75041b88efc99b990a4d01a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIwLTQtMS0xLTcxNDc3NA_db52c775-5722-462d-b91b-6c79eae1b4b8">30,581</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc9dac06218844128c36bfbcddd3ccb9_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIwLTUtMS0xLTcxNDc3NA_f1f3b042-96c3-4f22-8f67-9bd5efb34d89">14,672</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets risk</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iac20f510fafc4188a9f16c5a2b32baef_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIxLTItMS0xLTcxNDc3NA_f82307ae-2fea-43cc-a104-3b6ec630dbeb">567,705</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loan commitments and financial guarantees</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie99e435d0b254dcaad46bf5941c4ef53_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIyLTItMS0xLTcxNDc3NA_8a33d93f-63d4-4d40-9a1f-1c6bf4746c23">179,440</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88e5ca7f686d4b4cb468962f0f30fa97_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIyLTMtMS0xLTcxNDc3NA_1fbcd20d-58f2-40e7-a79a-d8a49f4ce7ec">165,726</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia16db7fdf67f40579ade96f7a69fb8b2_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIyLTQtMS0xLTcxNDc3NA_b3391fcb-4762-479b-b9df-887a138fb04e">12,682</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4dccfd88fe94c7599df106de4c27614_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIyLTUtMS0xLTcxNDc3NA_0ef4af33-8475-4aa3-92a2-f62864e0df31">1,032</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia190a5fcd15643bbaf5de01efe02c61a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIzLTItMS0xLTcxNDc3NA_2ff4ad54-d5c3-4c58-ac1c-f72168060223">132,584</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i077b3cc1c21b4d1bbcf3221d89bcc29d_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIzLTMtMS0xLTcxNDc3NA_1bbc33c2-e5a1-46ab-a0fb-981f9701718f">124,104</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2149cf00c0bc483cbadc2edb7b5c23cb_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIzLTQtMS0xLTcxNDc3NA_4089e30b-d7b1-41dd-9337-f55a87815861">8,214</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d0d9e2d83614e9fa27441e057862310_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzIzLTUtMS0xLTcxNDc3NA_67bd8108-7530-4a62-8e7c-990c1f7680de">265</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b691cce6a4f4e50887294e02b0c71c3_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI0LTItMS0xLTcxNDc3NA_b76a34d6-3a97-4483-b4a5-386f4c49f0de">10,665</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide1e63944c7b41a38e37576fac7693ef_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI0LTMtMS0xLTcxNDc3NA_d7df3ec7-063a-4c6e-b8b5-1933f8e1e7f1">9,208</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if26c5432ed544869b2b565522f854381_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI0LTQtMS0xLTcxNDc3NA_aeb896da-5525-4947-8638-84cc105c52c5">1,168</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9ada33eab404c368bc121ce92bbe3b9_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI0LTUtMS0xLTcxNDc3NA_09f62ab6-e60f-475d-9ec5-93d741320055">290</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe45442a3f3a4e2e81b5bec5d035ff79_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI1LTItMS0xLTcxNDc3NA_cbb8f19f-5992-46f6-9652-df0af9b735aa">36,190</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e9d3c581eda4c508f05cb1afe9c72f3_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI1LTMtMS0xLTcxNDc3NA_8f1854ee-5568-41ab-af0b-a0b6594d94c3">32,414</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c80edd67ea64c138c52406005030b23_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI1LTQtMS0xLTcxNDc3NA_94d093e3-f9d3-4700-aa8c-7d3090ef173b">3,300</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11a9fbe3aaf14047ad425588d20f7df2_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI1LTUtMS0xLTcxNDc3NA_af9df7fc-7135-4e74-8ae3-62ff584038bd">477</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total maximum credit exposure</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i429cb8a21d68433aa9316ff00c51e32a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo2MDYwZmFmYzAyNmE0YWIxYTg1N2EwNDY1OTU3ZDRmMC90YWJsZXJhbmdlOjYwNjBmYWZjMDI2YTRhYjFhODU3YTA0NjU5NTdkNGYwXzI2LTItMS0xLTcxNDc3NA_ee8fd85f-86bf-4753-93b9-ebf89becdcbb">747,145</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td></tr></table></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-63</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iac0ce3119c2e43f3b4c7af78063e6094" continuedAt="idcd28fd2278545f0a3f9f59827579344"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The maximum credit exposure presented in the table above is determined by type of financial asset as explained below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In the case of financial instruments recognized in the consolidated balance sheets, exposure to credit risk is considered equal to its carrying amount (not including loss allowances) with the only exception of trading and hedging derivatives.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The maximum credit risk exposure on financial commitments and guarantees granted is the maximum that the Group would be liable for if these guarantees were called in, or the higher amount pending to be disposed from the customer in the case of commitments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The calculation of risk exposure for derivatives is based on the sum of two factors: the derivatives fair value and their potential risk (or "add-on").</span></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As of December 31, 2022, there are no financial assets classified as purchased or originated credit impaired in the consolidated balance sheets of the BBVA Group.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzI3NDY_6627b8d3-f4fb-4e7b-9056-f760ec4952ab" continuedAt="i60e4ddd26be14012b4ef002f88d9a184" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The breakdown by geographical area and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> of the maximum credit risk exposure, the accumulated allowances recorded and the carrying amount of the loans and advances to customers as of December 31, 2022, 2021 and 2020 is shown below:</span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.307%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross exposure</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accumulated allowances</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Spain </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9cc868caa3148afae8a0db04bb0e0e0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtMS0xLTEtNzE0Nzc0_2be4d104-48c4-4da7-8fbd-deca01a5a915">214,126</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7d8cab3241b24d829e3758938dbcb17c_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtMi0xLTEtNzE0Nzc0_024cfbce-6e57-43c3-9e7d-c7262d6bcae4">187,037</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i856ca04cd8524d4b9315b18962697dbb_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtMy0xLTEtNzE0Nzc0_0a697035-ff38-4dd6-8d61-f8e228c97465">19,621</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27ccdb190fcb42f9b78aeadb692eb4eb_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtNC0xLTEtNzE0Nzc0_d77cee20-e273-41ea-9e65-7046c858809c">7,468</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib9cc868caa3148afae8a0db04bb0e0e0_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtNS0xLTEtNzE0Nzc0_8362a8ff-e19a-4ddc-bfff-05e01cb51511">4,860</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7d8cab3241b24d829e3758938dbcb17c_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtNi0xLTEtNzE0Nzc0_ee84f472-3680-45d8-8fd0-1d2f27c2b9fa">518</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i856ca04cd8524d4b9315b18962697dbb_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtNy0xLTEtNzE0Nzc0_a4648807-1750-4a0d-bdd3-be211390da5c">759</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i27ccdb190fcb42f9b78aeadb692eb4eb_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtOC0xLTEtNzE0Nzc0_764dcd37-cd37-4158-ac24-9abfb9e5a77e">3,583</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9cc868caa3148afae8a0db04bb0e0e0_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtOS0xLTEtNzE0Nzc0_2895cd03-8066-4824-8c92-5d409af9ae56">209,266</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7d8cab3241b24d829e3758938dbcb17c_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtMTAtMS0xLTcxNDc3NA_758d7661-4afb-49c3-bda2-dfaac0c2dd11">186,519</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i856ca04cd8524d4b9315b18962697dbb_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtMTEtMS0xLTcxNDc3NA_d6df50e3-6c37-4191-8fa8-8c4d24558d8d">18,862</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27ccdb190fcb42f9b78aeadb692eb4eb_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzMtMTItMS0xLTcxNDc3NA_a0117c2a-9994-4750-a21d-a009b7c347a9">3,885</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75fb2d48e8bc469ab06aa5f361d1e32f_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtMS0xLTEtNzE0Nzc0_b6e85e1e-b72e-497e-b7ad-a2a67695b559">74,252</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56ac671994194255b3801b1196b520c8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtMi0xLTEtNzE0Nzc0_6f44234f-6322-4eff-a505-46e9145b3643">66,971</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1881beb5bfa4952be5690694b569b10_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtMy0xLTEtNzE0Nzc0_3b88f099-e9e4-4df0-8e5f-d3c9d442eb37">5,342</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87669a18d53d4a6facc71dc9e885ff58_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtNC0xLTEtNzE0Nzc0_36f43c36-fe6a-4464-8d48-70e8b0302da2">1,939</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i75fb2d48e8bc469ab06aa5f361d1e32f_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtNS0xLTEtNzE0Nzc0_712d919b-0f44-4d2f-82f5-6e8857ece4fd">2,496</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i56ac671994194255b3801b1196b520c8_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtNi0xLTEtNzE0Nzc0_a0d2e7e6-ee70-40e5-9bef-1d73fec98932">955</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id1881beb5bfa4952be5690694b569b10_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtNy0xLTEtNzE0Nzc0_f862cf74-0fd0-4ca6-93af-57abb669aebc">475</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i87669a18d53d4a6facc71dc9e885ff58_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtOC0xLTEtNzE0Nzc0_7e7d3a0d-085a-4bec-ad4c-327af1eebbe5">1,066</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75fb2d48e8bc469ab06aa5f361d1e32f_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtOS0xLTEtNzE0Nzc0_8679083e-b0bd-438d-952d-36615041d7be">71,756</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56ac671994194255b3801b1196b520c8_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtMTAtMS0xLTcxNDc3NA_ea71c32e-ccb8-4e21-87a2-6d025b3c6b1f">66,017</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1881beb5bfa4952be5690694b569b10_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtMTEtMS0xLTcxNDc3NA_af3013a1-97a9-409d-a382-84a169be487e">4,866</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87669a18d53d4a6facc71dc9e885ff58_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzQtMTItMS0xLTcxNDc3NA_c4f82d73-87a1-431d-8235-8d9ef5a80878">873</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Turkey</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4cfcc8cf33b481b9b5cef3c1bb96bfa_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtMS0xLTEtNzE0Nzc0_3ac01a18-1355-4ff5-9559-b2b65d66187f">39,547</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i902903f37a84420f901aa99d3d919fbb_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtMi0xLTEtNzE0Nzc0_4c5cbd59-1ce5-4db2-86d9-ea2e362e1479">32,755</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i491c7b3c9726477390ee52408231a062_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtMy0xLTEtNzE0Nzc0_8cbe8b5b-d83e-4e39-9cfb-76c34fdc2f86">4,436</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i430d49f99b2e4ca6924b61ec197ff0bf_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtNC0xLTEtNzE0Nzc0_bccfc0bd-7bbb-4c9f-8a51-9978ed80878f">2,356</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia4cfcc8cf33b481b9b5cef3c1bb96bfa_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtNS0xLTEtNzE0Nzc0_0c2b3e3e-9a83-4a27-8056-b11054387e15">2,105</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i902903f37a84420f901aa99d3d919fbb_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtNi0xLTEtNzE0Nzc0_011d6f11-5aca-45c4-8cd1-ca1dd0a2d21d">224</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i491c7b3c9726477390ee52408231a062_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtNy0xLTEtNzE0Nzc0_c2eed8f5-db05-4fbd-bb60-9ad56b243217">358</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i430d49f99b2e4ca6924b61ec197ff0bf_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtOC0xLTEtNzE0Nzc0_75dbacf9-f568-4447-97d8-1b45c38e2741">1,523</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4cfcc8cf33b481b9b5cef3c1bb96bfa_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtOS0xLTEtNzE0Nzc0_b8d4879a-6a40-46b5-977f-8dc2df77a124">37,443</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i902903f37a84420f901aa99d3d919fbb_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtMTAtMS0xLTcxNDc3NA_30be2291-5b63-4d88-ad2c-0ff5a1e0a95e">32,531</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i491c7b3c9726477390ee52408231a062_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtMTEtMS0xLTcxNDc3NA_c0249ab2-7cce-47be-a3e1-bff78955c50f">4,078</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i430d49f99b2e4ca6924b61ec197ff0bf_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzUtMTItMS0xLTcxNDc3NA_ca0036c8-1dc2-45d9-a00d-35607983f977">833</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">South America</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c8c592b5382410ba16e92862751c0b1_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtMS0xLTEtNzE0Nzc0_f5b144ce-bf5d-43aa-9bc0-a639fa62df87">40,288</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66e995a069804102891a434a8e208f24_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtMi0xLTEtNzE0Nzc0_d053bcbf-da75-400d-9e71-3415bc6b16cd">34,401</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if2cceef4ec384dfebc5b496838b35259_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtMy0xLTEtNzE0Nzc0_9ddfbb85-d16b-453c-991f-565fef92130b">4,166</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa1c9f77c6ca42bd8202e215bfd6e2f6_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtNC0xLTEtNzE0Nzc0_83490a19-1e9e-474e-b749-9914a6d978d1">1,721</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5c8c592b5382410ba16e92862751c0b1_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtNS0xLTEtNzE0Nzc0_c714a38e-b7fd-46e2-a66c-ead87fbef3a6">1,768</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i66e995a069804102891a434a8e208f24_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtNi0xLTEtNzE0Nzc0_f3a12465-8cd2-4342-a69f-82b99585b6f7">318</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if2cceef4ec384dfebc5b496838b35259_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtNy0xLTEtNzE0Nzc0_687c7acb-e6e7-44ec-9183-fabe2f258a41">345</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaa1c9f77c6ca42bd8202e215bfd6e2f6_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtOC0xLTEtNzE0Nzc0_edc077e3-0232-4206-b113-579de83ace79">1,105</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c8c592b5382410ba16e92862751c0b1_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtOS0xLTEtNzE0Nzc0_76c14548-a49b-4bb5-b562-a1e1038142db">38,519</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66e995a069804102891a434a8e208f24_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtMTAtMS0xLTcxNDc3NA_e168321b-f62a-4dde-9f54-ad271354c078">34,083</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if2cceef4ec384dfebc5b496838b35259_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtMTEtMS0xLTcxNDc3NA_86fbda44-27a4-4fb2-8a4f-3979d49fc75f">3,821</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa1c9f77c6ca42bd8202e215bfd6e2f6_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzYtMTItMS0xLTcxNDc3NA_8ea5a785-23cc-40c2-9efb-3637a1606c97">615</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if29038835dee496dbd62fb83c7ce8ca0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctMS0xLTEtNzE0Nzc0_b587b378-4d30-4abe-9228-a39526f2041c">1,047</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if18f8238ec7e473aa11ea40646517bbe_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctMi0xLTEtNzE0Nzc0_c9a4e14b-ae3f-4fc4-9605-0da4c6c4c0f8">1,035</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f3dbe86ca9c474a8557f5a27b1cc3b8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctMy0xLTEtNzE0Nzc0_ae141298-d230-460f-a362-3a742e246e6f">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a05eb5317d34504aed744aa34ddb5b2_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctNC0xLTEtNzE0Nzc0_230ea209-8c12-4cda-a1e6-f79b23ed43cc">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if29038835dee496dbd62fb83c7ce8ca0_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctNS0xLTEtNzE0Nzc0_21790def-f0bb-431b-877e-46e8dfff6a85">8</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if18f8238ec7e473aa11ea40646517bbe_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctNi0xLTEtNzE0Nzc0_402c1bd2-8249-457f-be10-fc4fab8d67b2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f3dbe86ca9c474a8557f5a27b1cc3b8_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctNy0xLTEtNzE0Nzc0_ad294b2e-2197-4047-8982-31f54cd6e9f9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2a05eb5317d34504aed744aa34ddb5b2_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctOC0xLTEtNzE0Nzc0_24b2ff43-4603-441a-a23c-1d2f03a6a12b">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if29038835dee496dbd62fb83c7ce8ca0_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctOS0xLTEtNzE0Nzc0_54944d93-c564-4256-9906-8a54958fd307">1,039</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if18f8238ec7e473aa11ea40646517bbe_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctMTAtMS0xLTcxNDc3NA_2f83043a-2cc0-4a2e-8dea-ee46e1fa5ad6">1,035</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f3dbe86ca9c474a8557f5a27b1cc3b8_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctMTEtMS0xLTcxNDc3NA_b13281e8-c5c5-49d2-9a5a-3cc948dc4a71">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a05eb5317d34504aed744aa34ddb5b2_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzctMTItMS0xLTcxNDc3NA_086d77bd-0958-444c-8bfb-d1c658b99af9">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fa0f1883a414891a9edf171f6610fd8_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtMS0xLTEtNzE0Nzc0_eb6b1215-de4a-4251-b2a0-dc85aaa079a9">369,260</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58b5b96a4ff1419b812cde38248c7318_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtMi0xLTEtNzE0Nzc0_b56b6043-8e27-44af-bd02-2413dad5d15b">322,199</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8293131b1d9c40359534498f91bb6571_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtMy0xLTEtNzE0Nzc0_b1127239-7686-476b-83d8-858f6287f00e">33,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide0c0b71086344c4b2fe59f3ab3a900d_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtNC0xLTEtNzE0Nzc0_d0892793-a6dd-42d3-b435-ad8712c284b2">13,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7fa0f1883a414891a9edf171f6610fd8_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtNS0xLTEtNzE0Nzc0_1aa1ecc5-c6f7-4676-8d15-ee379c71038a">11,237</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i58b5b96a4ff1419b812cde38248c7318_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtNi0xLTEtNzE0Nzc0_4c493223-3207-4454-ad77-c6a756ea9b1d">2,014</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8293131b1d9c40359534498f91bb6571_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtNy0xLTEtNzE0Nzc0_062c1d66-e658-43c9-a07f-b04bd18a1d61">1,938</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ide0c0b71086344c4b2fe59f3ab3a900d_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtOC0xLTEtNzE0Nzc0_6e2c82d4-f900-4bea-afec-1ab3bbc3923c">7,284</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fa0f1883a414891a9edf171f6610fd8_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtOS0xLTEtNzE0Nzc0_b9677e1d-3dcf-446f-967e-96e8629059e7">358,023</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58b5b96a4ff1419b812cde38248c7318_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtMTAtMS0xLTcxNDc3NA_b4b14239-6b2a-40eb-b721-33583f693932">320,185</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8293131b1d9c40359534498f91bb6571_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtMTEtMS0xLTcxNDc3NA_4719cd5c-5473-4c9b-8490-9658ae054c6e">31,629</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide0c0b71086344c4b2fe59f3ab3a900d_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzgtMTItMS0xLTcxNDc3NA_075d5091-7f27-4e33-99f9-d665ad4b9914">6,208</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: individual</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i651b72b76bf542b6a35a303a6e972829_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzktNS0xLTEtNzE0Nzc0_1e151488-5d38-4bc3-958e-bd2446109be1">2,164</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia3961584608e45b081a6fe38cbb9e3f3_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzktNi0xLTEtNzE0Nzc0_821f155c-afb2-43cc-8350-f27829456ad2">21</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i43f65346c83548d7a7de05c430f2e6f9_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzktNy0xLTEtNzE0Nzc0_60501854-4825-4855-8b7b-8f2766276b3b">604</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2be289e254bd4a1c933cd2f72bdccdb1_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzktOC0xLTEtNzE0Nzc0_a65c0a0d-9a9c-4f6f-b139-5c87f319085a">1,539</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: collective</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8a0adab979e746f5a102f6f956da3891_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzEwLTUtMS0xLTcxNDc3NA_5c4009c5-d83c-4ea9-b3e7-5ed9257d5afe">9,073</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i82659b4f859d4b31b26aab22acf68210_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzEwLTYtMS0xLTcxNDc3NA_49bdb16d-23e4-4e3b-b04b-5ca0d5caa3f9">1,994</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i851000405a5543929c3371764731e481_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzEwLTctMS0xLTcxNDc3NA_69774b00-e294-4765-be63-0fade448fd52">1,334</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i36fd6e82c0db46a6934fc4ec9ec39df3_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3M2JlNGYzY2I1ZWM0MWEwOTdhMzYzY2UyNThkMTU4NS90YWJsZXJhbmdlOjczYmU0ZjNjYjVlYzQxYTA5N2EzNjNjZTI1OGQxNTg1XzEwLTgtMS0xLTcxNDc3NA_851ab3e9-b77f-4bf3-b5bd-f34c184cea8c">5,745</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjUyODYx_ad694e1e-95ba-4880-a073-8bb95b61ccfb" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Spain includes all countries where BBVA, S.A. operates.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjUyOTk0_9abc4297-440b-47b8-8768-cfe24109359f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Turkey includes all countries in which Garanti BBVA operates.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjUzMTc5_8fe695aa-b393-4064-a3e7-6cee32faac4b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU0MzM4_44855bf9-ea8b-4bfb-96b2-c447da1c1212" footnoteRole="http://www.xbrl.org/2003/role/footnote">(4) The amount of the accumulated allowances includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2022, the remaining balance was &#8364;190 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the operations or are applied to the value corrections when the losses materialize. </ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:11.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.307%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accumulated allowances</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Spain </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i064024d6a5104b8cb50b0135a116f408_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtMS0xLTEtNzE0Nzc0_61737fde-1cf4-4954-aadc-603dbc4ec4ab">201,405</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab36af31a9fc4133bcea5b8c8524438f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtMi0xLTEtNzE0Nzc0_b7ca111f-2674-42c5-9250-21a27595063b">171,883</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i478fa96a2a274eb3bea76b221111e3bf_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtMy0xLTEtNzE0Nzc0_1a740c56-6b6f-400a-929f-1bbdb285f8ca">21,380</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d4594a619704d4e9b03ea5e11e808c0_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtNC0xLTEtNzE0Nzc0_73795bd4-330b-468a-aee5-adfb4e71f562">8,143</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i064024d6a5104b8cb50b0135a116f408_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtNS0xLTEtNzE0Nzc0_c9f571d1-11da-4b1c-b59b-1ee6fd01dc8d">5,277</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iab36af31a9fc4133bcea5b8c8524438f_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtNi0xLTEtNzE0Nzc0_d2530b3c-9949-4db1-bed8-a086478dd729">722</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i478fa96a2a274eb3bea76b221111e3bf_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtNy0xLTEtNzE0Nzc0_521d4d3c-4f1e-4ab5-8223-448563aed306">923</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8d4594a619704d4e9b03ea5e11e808c0_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtOC0xLTEtNzE0Nzc0_1cc448f6-42f6-43b2-a47a-9f30f93f27d4">3,631</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i064024d6a5104b8cb50b0135a116f408_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtOS0xLTEtNzE0Nzc0_cfe2dfc6-3065-4a2c-bb9d-0899967c5b5d">196,129</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab36af31a9fc4133bcea5b8c8524438f_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtMTAtMS0xLTcxNDc3NA_1f6037fc-8467-465b-82a8-5fb1f958e4b5">171,161</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i478fa96a2a274eb3bea76b221111e3bf_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtMTEtMS0xLTcxNDc3NA_941652b9-15ff-4886-a20e-d9db97dec6f8">20,457</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d4594a619704d4e9b03ea5e11e808c0_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzMtMTItMS0xLTcxNDc3NA_4a732616-8868-4bd8-bffb-b307bdcbcafb">4,511</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iafafd79176f84840963090e041643952_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtMS0xLTEtNzE0Nzc0_7e0225b1-1ffe-4506-9e14-183fa3037777">57,847</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97f9525ee8594d3faa7a77ee77fa634b_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtMi0xLTEtNzE0Nzc0_7a5a5a1d-bd83-4949-a6e7-740638c6feb4">51,665</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67ce7cc8e99d4d6d8d30f2073cf4f137_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtMy0xLTEtNzE0Nzc0_5bb0a859-ff80-4cc5-bdb4-28424860f65c">4,261</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18a1f7924ea5448e962cd884a456e91c_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtNC0xLTEtNzE0Nzc0_9d75f827-8193-44c9-a7fd-4c3fc24ea5e1">1,921</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iafafd79176f84840963090e041643952_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtNS0xLTEtNzE0Nzc0_ae9738d1-ce87-4d59-adef-b2a344497ca1">2,038</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i97f9525ee8594d3faa7a77ee77fa634b_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtNi0xLTEtNzE0Nzc0_ee1cf559-1e41-41a0-b9c7-c1465f5bfe3d">740</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i67ce7cc8e99d4d6d8d30f2073cf4f137_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtNy0xLTEtNzE0Nzc0_2a6a919d-d2bf-47b5-b8bd-d1f2be1e021b">381</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i18a1f7924ea5448e962cd884a456e91c_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtOC0xLTEtNzE0Nzc0_9e49447a-73ba-4e85-8e2b-f7062eb419c1">916</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iafafd79176f84840963090e041643952_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtOS0xLTEtNzE0Nzc0_ad85ee5a-2106-47b2-b366-7ebc4a4c97c6">55,809</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97f9525ee8594d3faa7a77ee77fa634b_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtMTAtMS0xLTcxNDc3NA_3b8d5e95-ee5b-4a19-85eb-b737d4d563ba">50,925</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67ce7cc8e99d4d6d8d30f2073cf4f137_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtMTEtMS0xLTcxNDc3NA_047a4230-a5c0-478d-a07d-d95a99eaeb76">3,880</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18a1f7924ea5448e962cd884a456e91c_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzQtMTItMS0xLTcxNDc3NA_de9baa04-7e2b-4f6f-86ba-7d968b9b7106">1,005</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Turkey</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcb42c56c54d46f8817377e0528ed76a_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtMS0xLTEtNzE0Nzc0_d22654f1-daec-47c5-a559-fb27ce46dbc5">33,472</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9790f4cb7db64cdab96c87a188a49a6c_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtMi0xLTEtNzE0Nzc0_937c3930-f9fd-4f29-9ef7-8bcf0e858355">26,497</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2440dc28cd745e78fc9651ac0640aee_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtMy0xLTEtNzE0Nzc0_787ef446-497c-43a1-96e4-f4565e4a659a">4,134</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d6e176fbac94464aced9807ea2c7b75_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtNC0xLTEtNzE0Nzc0_6e1941d3-7af5-4630-b817-8edd666b4083">2,841</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibcb42c56c54d46f8817377e0528ed76a_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtNS0xLTEtNzE0Nzc0_a3782413-41f1-43cd-a178-3bbd0f9c4700">2,058</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9790f4cb7db64cdab96c87a188a49a6c_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtNi0xLTEtNzE0Nzc0_b888870a-c7ec-461d-8706-43417122236c">224</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id2440dc28cd745e78fc9651ac0640aee_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtNy0xLTEtNzE0Nzc0_0942fb7b-2752-4df6-ab96-33dae3ce34eb">424</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d6e176fbac94464aced9807ea2c7b75_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtOC0xLTEtNzE0Nzc0_248b5848-1530-4a86-b67c-8416adb2a853">1,410</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcb42c56c54d46f8817377e0528ed76a_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtOS0xLTEtNzE0Nzc0_8153981f-dbef-453a-a167-88276f9703b8">31,414</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9790f4cb7db64cdab96c87a188a49a6c_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtMTAtMS0xLTcxNDc3NA_262dad56-447d-4a88-81e6-8c733359a675">26,273</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2440dc28cd745e78fc9651ac0640aee_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtMTEtMS0xLTcxNDc3NA_d2403d84-467c-4bb4-8376-57892d97ea2a">3,711</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d6e176fbac94464aced9807ea2c7b75_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzUtMTItMS0xLTcxNDc3NA_24b567bd-74c8-45a7-8d7c-513dfb16488c">1,431</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">South America</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib605da74ce664ae2930d0a4080bb8729_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtMS0xLTEtNzE0Nzc0_0b26d555-e6f3-4e36-9b73-b2723a349ac5">36,335</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dd06143c6ca47d6b483531883d015b9_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtMi0xLTEtNzE0Nzc0_bd46f4c7-22ee-4a4d-9330-bc1198b6b3cf">30,166</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i254f2ebd191747e8865bb2675dffd209_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtMy0xLTEtNzE0Nzc0_5e3bf1ef-0b88-4e03-95d3-26da875fcab5">4,425</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31797f5e47f94cba930523c047406a34_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtNC0xLTEtNzE0Nzc0_b1a0407c-cca0-4607-8677-c30045741c35">1,744</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib605da74ce664ae2930d0a4080bb8729_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtNS0xLTEtNzE0Nzc0_a593c388-e95b-4a07-9a63-6b1d538251dd">1,736</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5dd06143c6ca47d6b483531883d015b9_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtNi0xLTEtNzE0Nzc0_7123019c-6aa1-46cc-b35f-5fad110761fa">277</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i254f2ebd191747e8865bb2675dffd209_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtNy0xLTEtNzE0Nzc0_eab542ae-1638-47b0-b80b-75cf6951a6b2">362</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i31797f5e47f94cba930523c047406a34_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtOC0xLTEtNzE0Nzc0_c4576ff6-01a4-4925-b6a3-5f9169fcc193">1,096</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib605da74ce664ae2930d0a4080bb8729_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtOS0xLTEtNzE0Nzc0_d019e12d-2acd-453e-b795-4c139cc5b5bc">34,599</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dd06143c6ca47d6b483531883d015b9_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtMTAtMS0xLTcxNDc3NA_4547fa5f-8977-4119-a89f-db79499eb224">29,889</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i254f2ebd191747e8865bb2675dffd209_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtMTEtMS0xLTcxNDc3NA_ec2ee9df-dd47-43a4-9df9-9390361ca260">4,062</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31797f5e47f94cba930523c047406a34_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzYtMTItMS0xLTcxNDc3NA_cef89249-461f-4026-b3c4-5bb046b9b636">648</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifda359baaee64d918a50686fd3af81b4_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctMS0xLTEtNzE0Nzc0_73aaccca-a96d-4ebf-9276-9eda3129db8c">996</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ffc021d5a7942598213c649b81ae504_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctMi0xLTEtNzE0Nzc0_f2b27352-9e0a-4a4f-a56a-8636f85fdf92">984</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2529d7b187e43679390a942cf731345_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctMy0xLTEtNzE0Nzc0_4f895d2a-8e67-4f72-8c97-8df7c43b7129">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9d0c8acb16a470a8156eb61cb4087de_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctNC0xLTEtNzE0Nzc0_e3a71e5b-218c-45ba-860b-aff851729aad">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ifda359baaee64d918a50686fd3af81b4_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctNS0xLTEtNzE0Nzc0_9caf69c3-4966-4089-9fa2-c55a9f0ca59a">8</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4ffc021d5a7942598213c649b81ae504_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctNi0xLTEtNzE0Nzc0_acad0bb4-0d44-47b7-aa8d-53a732d49f2a">1</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2529d7b187e43679390a942cf731345_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctNy0xLTEtNzE0Nzc0_3bfa17e1-503d-418b-955e-3748037fa868">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib9d0c8acb16a470a8156eb61cb4087de_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctOC0xLTEtNzE0Nzc0_5b801f4a-b81e-4940-9c97-b4da6243406a">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifda359baaee64d918a50686fd3af81b4_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctOS0xLTEtNzE0Nzc0_d7713316-9c6a-485e-99e8-cf946be7341e">988</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ffc021d5a7942598213c649b81ae504_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctMTAtMS0xLTcxNDc3NA_5387417a-87f8-457a-8583-900fc1f8ba8e">983</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2529d7b187e43679390a942cf731345_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctMTEtMS0xLTcxNDc3NA_ebd8aa93-6bea-42df-9c73-cdc1ce3b1c83">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9d0c8acb16a470a8156eb61cb4087de_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzctMTItMS0xLTcxNDc3NA_98240bc7-0e9f-4f8e-86dd-38d593aa2554">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5a22fcad06a4196b457dcbf9cae393d_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtMS0xLTEtNzE0Nzc0_57bf8abe-b236-47d3-864d-ef7c9edb01f2">330,055</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica4256b1e45b466e84bcf391d7f2e7ac_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtMi0xLTEtNzE0Nzc0_d013313b-1b20-49f2-a78d-0d7e72411cf5">281,195</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33bbf5231219428a8523cfb8c79e1240_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtMy0xLTEtNzE0Nzc0_83febaba-72ac-4d53-85b1-f2ed0f1f9bde">34,203</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4a7dcf661c544cd87bb5d311699a836_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtNC0xLTEtNzE0Nzc0_4f00ab53-9efe-4366-9ca6-8786ad2543e9">14,657</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib5a22fcad06a4196b457dcbf9cae393d_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtNS0xLTEtNzE0Nzc0_152a8f6b-3a0c-4f90-977f-19aaaf1d30fe">11,116</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ica4256b1e45b466e84bcf391d7f2e7ac_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtNi0xLTEtNzE0Nzc0_29957927-50b3-4e8c-84db-bcd36f630871">1,964</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i33bbf5231219428a8523cfb8c79e1240_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtNy0xLTEtNzE0Nzc0_9c66a772-02a8-4acc-a6eb-188cb3268cd5">2,091</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie4a7dcf661c544cd87bb5d311699a836_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtOC0xLTEtNzE0Nzc0_2938fef1-78ce-462d-93a7-ab938edee34f">7,061</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5a22fcad06a4196b457dcbf9cae393d_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtOS0xLTEtNzE0Nzc0_ea41facf-3f7e-448b-a679-ae94c13e63be">318,939</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica4256b1e45b466e84bcf391d7f2e7ac_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtMTAtMS0xLTcxNDc3NA_ec7746e5-02d0-4a18-a8a0-15864acd0748">279,231</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33bbf5231219428a8523cfb8c79e1240_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtMTEtMS0xLTcxNDc3NA_61f9929d-fa94-41a5-a3fb-c832a7013843">32,112</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4a7dcf661c544cd87bb5d311699a836_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzgtMTItMS0xLTcxNDc3NA_c01db323-663d-4120-b5eb-6f7a3f59a681">7,596</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: individual</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia0736c9494b54b70b5ee32c38a5d27a5_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzktNS0xLTEtNzE0Nzc0_03481710-8394-474b-9f29-60afbb4d94e2">2,528</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ifbe16ed91e654c0aacaf301a9d1d83cc_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzktNi0xLTEtNzE0Nzc0_f92850fe-9add-4949-b39e-a3d3e61ee5f6">4</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i148bb9dcc1964c9da3d64e1a8e2ff728_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzktNy0xLTEtNzE0Nzc0_67deb2cc-4d5d-4e41-ae30-8d31c34aac3a">657</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2f16e95e2da34d15a20c8652bc929a38_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzktOC0xLTEtNzE0Nzc0_222e8520-6705-4c66-9ce1-a7ff2be4a50b">1,867</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: collective</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0af0441a4e154747a7046bf0c277fff8_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzEwLTUtMS0xLTcxNDc3NA_014b30e1-2460-45bb-ac9f-77a36f0cefdb">8,587</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i91f3f0bd7b1e454eb948e2b9e3f9e19e_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzEwLTYtMS0xLTcxNDc3NA_baf2b547-15f2-436e-8016-f372e9374b1c">1,959</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2c026d0dcb044273b0f6da6eb0f16f0b_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzEwLTctMS0xLTcxNDc3NA_82998679-ecc9-49c3-8e85-b41dfe274aba">1,434</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i300bc3911f4d4235b8e0d358127939bd_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpjYjM3MGViNDZjODY0NzU4OTEwYmE0YTg0N2EwNzhmNy90YWJsZXJhbmdlOmNiMzcwZWI0NmM4NjQ3NTg5MTBiYTRhODQ3YTA3OGY3XzEwLTgtMS0xLTcxNDc3NA_5c7baf69-088b-46c6-bc48-2e6db4815497">5,194</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU1OTEz_9fb34ce6-ff29-4757-8884-8178f8d9790f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Spain includes all countries where BBVA, S.A. operates.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU1OTE0_366c3bbb-9ec9-43c1-9998-03561086d16f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Turkey includes all countries in which Garanti BBVA operates.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU1OTE1_102e884c-8a50-4b57-88e7-cce742a68b9b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay. </ix:footnote></span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU1OTE2_d2b7e8e0-3c3b-4bce-ad59-16f77dd1bbb6" footnoteRole="http://www.xbrl.org/2003/role/footnote">(4) The amount of the accumulated allowances includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2021 the remaining balance was &#8364;266 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the operations or are applied to the value corrections when the losses materialize.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-64</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="idcd28fd2278545f0a3f9f59827579344" continuedAt="if76d988f043540d8b22aeb93c9354243"><ix:continuation id="i60e4ddd26be14012b4ef002f88d9a184"><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:12.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.082%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2020 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross exposure</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accumulated allowances</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Spain </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2df6a7cbf5949879276cc5dde68d2db_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtMS0xLTEtMTIxMTI5NA_5760941d-0ee4-46c6-8d08-fc5719647ce8">195,983</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03d83e3aecdb4ec1a0a3015f578d0467_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtMi0xLTEtMTIxMTI5NA_26e5040d-1a90-427f-ade5-86518e8bd967">171,397</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35856ede44d5426f909838464b75c547_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtMy0xLTEtMTIxMTI5NA_b247390a-a596-4378-8d83-ce1a4a6416b2">16,387</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie44184e5cfa44d8d8aa88bad09cf697a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtNC0xLTEtMTIxMTI5NA_e24fe787-e643-4630-9c7c-84f1156d5af4">8,199</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia2df6a7cbf5949879276cc5dde68d2db_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtNS0xLTEtMTIxMTI5NA_fdd1522e-0408-49a0-85ad-b24d0fbbdd06">5,679</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i03d83e3aecdb4ec1a0a3015f578d0467_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtNi0xLTEtMTIxMTI5NA_b681a1a6-9ccb-4ff8-9daf-5a89566ba6b7">753</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i35856ede44d5426f909838464b75c547_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtNy0xLTEtMTIxMTI5NA_9371db44-8a50-4b8f-b43d-74a0c9b91211">849</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie44184e5cfa44d8d8aa88bad09cf697a_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtOC0xLTEtMTIxMTI5NA_047eb488-e79e-4b07-9c59-f6c4f788f1ed">4,077</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2df6a7cbf5949879276cc5dde68d2db_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtOS0xLTEtMTIxMTI5NA_c8f8a234-0eb2-48d4-8f11-057c29f27bea">190,304</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03d83e3aecdb4ec1a0a3015f578d0467_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtMTAtMS0xLTEyMTEyOTQ_98351106-bb09-4289-824f-0a6ddc3fb504">170,644</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35856ede44d5426f909838464b75c547_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtMTEtMS0xLTEyMTEyOTQ_7a5f326b-3e6a-4322-85cf-297db6ed65c1">15,538</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie44184e5cfa44d8d8aa88bad09cf697a_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzMtMTItMS0xLTEyMTEyOTQ_99fbe933-3001-4e35-82db-1278e5ecb155">4,122</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie446c0f8e2d74898832f785072b6da40_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtMS0xLTEtMTIxMTI5NA_3bcf7305-bf4e-4590-aada-52308f25dce6">52,211</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8133e6e3c30a43438f15902fd39e263b_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtMi0xLTEtMTIxMTI5NA_f946881d-0afa-4e33-82c5-fa7b451d691c">46,373</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46fbaf85a2df4ed99ad50eff42855461_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtMy0xLTEtMTIxMTI5NA_abead275-d25c-4e86-a4cb-76e0c20cc6e2">4,071</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf24b2db04604799aa5eb8242e2839a3_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtNC0xLTEtMTIxMTI5NA_cef95a3f-4230-4457-bd78-b04ddd7b9bc0">1,767</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie446c0f8e2d74898832f785072b6da40_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtNS0xLTEtMTIxMTI5NA_cbe2fd4a-8a12-47f6-9e66-ce52a5e87c73">2,211</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8133e6e3c30a43438f15902fd39e263b_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtNi0xLTEtMTIxMTI5NA_c1353889-f01a-403a-bd81-051156db7e91">685</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i46fbaf85a2df4ed99ad50eff42855461_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtNy0xLTEtMTIxMTI5NA_f3feb35f-501d-40a5-affb-34490e9c996a">442</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icf24b2db04604799aa5eb8242e2839a3_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtOC0xLTEtMTIxMTI5NA_5820a2f5-6891-422c-a0bd-d2f529abf6fa">1,083</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie446c0f8e2d74898832f785072b6da40_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtOS0xLTEtMTIxMTI5NA_b2ca85de-518f-4183-9851-7e093cb7024d">50,000</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8133e6e3c30a43438f15902fd39e263b_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtMTAtMS0xLTEyMTEyOTQ_4c248f0a-14f2-444c-9332-1269a9990664">45,688</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46fbaf85a2df4ed99ad50eff42855461_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtMTEtMS0xLTEyMTEyOTQ_90e7c930-b177-4e7a-b11e-f51aaff007aa">3,628</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf24b2db04604799aa5eb8242e2839a3_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzQtMTItMS0xLTEyMTEyOTQ_d101be8c-9a66-43c9-b07c-2a216a317ee9">684</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Turkey</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4011c49c048640658ae78a0112c96fb3_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtMS0xLTEtMTIxMTI5NA_e6ac6dac-77ce-4aa7-a83d-27376adae014">39,633</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f09210a60dc42a3a686b91ea5502e45_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtMi0xLTEtMTIxMTI5NA_dcc83dfd-0afe-46a9-856b-39dc7337a490">30,832</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia50c09594e704a3bb7804ba14a49120a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtMy0xLTEtMTIxMTI5NA_b9dffd2c-d095-472e-8d4d-332199c911b9">5,806</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic722bd19d14b47279ee94140a3b4011b_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtNC0xLTEtMTIxMTI5NA_655d2242-03b5-445d-b18c-8104872bc88e">2,995</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4011c49c048640658ae78a0112c96fb3_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtNS0xLTEtMTIxMTI5NA_a2b47e08-46b3-4827-8de8-3fc550f08454">2,338</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8f09210a60dc42a3a686b91ea5502e45_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtNi0xLTEtMTIxMTI5NA_a60b3340-8bb7-452c-87bf-fd84afafe49b">246</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia50c09594e704a3bb7804ba14a49120a_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtNy0xLTEtMTIxMTI5NA_8ad8dc7c-5fce-47db-830c-2e4b1c9e07da">535</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic722bd19d14b47279ee94140a3b4011b_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtOC0xLTEtMTIxMTI5NA_59373b29-9837-4353-8290-c1dca8095bab">1,557</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4011c49c048640658ae78a0112c96fb3_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtOS0xLTEtMTIxMTI5NA_bf64e050-159e-4a72-ab04-6fba5b233d41">37,295</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f09210a60dc42a3a686b91ea5502e45_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtMTAtMS0xLTEyMTEyOTQ_8320958f-3150-44c2-afc6-df2db24d4e55">30,586</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia50c09594e704a3bb7804ba14a49120a_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtMTEtMS0xLTEyMTEyOTQ_5ba71449-f9b5-443c-bf12-c1c1856aa8f7">5,272</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic722bd19d14b47279ee94140a3b4011b_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzUtMTItMS0xLTEyMTEyOTQ_09524a55-6b7b-450d-af84-8bd6051bb113">1,438</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">South America</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice09deffd5ab40918c77a7bbb24e5f84_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtMS0xLTEtMTIxMTI5NA_c408b0cd-b702-421a-9f61-69592e5cd546">34,499</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b93f4bf994c4e20b851cd515dc13aab_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtMi0xLTEtMTIxMTI5NA_821fe18e-3b41-4531-9e37-20ee8d2351a0">28,484</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ecfcdd36c1f464b96dc172b1adc7396_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtMy0xLTEtMTIxMTI5NA_c74bd2b9-aae4-48dc-a8e0-2cb1d4dfcb7e">4,312</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i189da19fa9e549d2a6efcfa53611ec9a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtNC0xLTEtMTIxMTI5NA_88ee2083-6df1-4821-ac01-cfa3288a4542">1,703</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ice09deffd5ab40918c77a7bbb24e5f84_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtNS0xLTEtMTIxMTI5NA_3a63459b-e024-48df-99b1-b25e933df3cd">1,870</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7b93f4bf994c4e20b851cd515dc13aab_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtNi0xLTEtMTIxMTI5NA_1fbe4927-3c54-444e-a9eb-1411ed81501c">320</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8ecfcdd36c1f464b96dc172b1adc7396_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtNy0xLTEtMTIxMTI5NA_73ee981d-276a-4289-bc7f-b092e9cf6808">460</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i189da19fa9e549d2a6efcfa53611ec9a_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtOC0xLTEtMTIxMTI5NA_121a6c25-802d-40aa-a42a-92a83f62f8be">1,090</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice09deffd5ab40918c77a7bbb24e5f84_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtOS0xLTEtMTIxMTI5NA_56876713-cc63-42e0-bc12-12787f25bd1a">32,629</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b93f4bf994c4e20b851cd515dc13aab_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtMTEtMS0xLTEyMTEyOTQ_5708f13a-96a1-4b19-b877-c783ce4c11f3">3,852</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i189da19fa9e549d2a6efcfa53611ec9a_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzYtMTItMS0xLTEyMTEyOTQ_a7170c6a-4bfd-4f6b-9bf3-09672dde4948">612</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib163a52cf09b4b54b643d731d337b9f1_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctMS0xLTEtMTIxMTI5NA_214ef2de-69c4-4608-8c09-dc8e80db1772">925</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7839c1e173bf424dbce1bbedfd626a88_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctMi0xLTEtMTIxMTI5NA_4ac56195-10c5-4013-a41f-71220e65c64e">912</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e471dd07fe14846bf423dba7dea3d4a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctMy0xLTEtMTIxMTI5NA_674b3162-eed9-4ccc-8c22-f544637c06e1">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fe4646c1745459b95dd7bc17a08e350_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctNC0xLTEtMTIxMTI5NA_c595e4b4-fd2c-4b19-8e6a-8f23e5612ad3">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib163a52cf09b4b54b643d731d337b9f1_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctNS0xLTEtMTIxMTI5NA_b510bc47-e360-4a00-8fb4-154fa353399e">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7839c1e173bf424dbce1bbedfd626a88_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctNi0xLTEtMTIxMTI5NA_2c75f394-2686-4198-92bd-d5a5c160daa3">1</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e471dd07fe14846bf423dba7dea3d4a_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctNy0xLTEtMTIxMTI5NA_72024fa0-4416-4abe-ac72-b5cbfd1b28c1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7fe4646c1745459b95dd7bc17a08e350_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctOC0xLTEtMTIxMTI5NA_03c678f3-2692-4fc2-a663-49490cbf57ef">6</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib163a52cf09b4b54b643d731d337b9f1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctOS0xLTEtMTIxMTI5NA_8482de29-656b-4e68-b399-6a10eb0392d1">918</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7839c1e173bf424dbce1bbedfd626a88_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctMTAtMS0xLTEyMTEyOTQ_96d9d057-7c31-447b-a382-999db6a608a5">911</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e471dd07fe14846bf423dba7dea3d4a_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctMTEtMS0xLTEyMTEyOTQ_ad147c85-b0c2-46bd-8394-70198431257f">4</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fe4646c1745459b95dd7bc17a08e350_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzctMTItMS0xLTEyMTEyOTQ_baf7ff93-bc43-4f1f-aff5-20d4a5989aa4">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9af2e932c94d4512b76600569d3a320b_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtMS0xLTEtMTIxMTI5NA_8d9d6b1e-9012-49aa-a13e-f8b8a259b477">323,252</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18816a3d1c57446abb1d37183dc1d12a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtMi0xLTEtMTIxMTI5NA_5938d30b-9aad-48b7-a030-3baa4a37b15f">277,998</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37d49127e96645969bcfbd3ee9ee4164_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtMy0xLTEtMTIxMTI5NA_9dd52039-23d5-4222-9866-e4a80ea83f1d">30,581</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i767d10ebb3964f1591b6760f59d22b6e_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtNC0xLTEtMTIxMTI5NA_2227fee8-79ad-414f-95cc-1eefbe7dc3ac">14,672</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9af2e932c94d4512b76600569d3a320b_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtNS0xLTEtMTIxMTI5NA_6d74309e-36a1-40b4-ad5b-b1dfdf534d95">12,105</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i18816a3d1c57446abb1d37183dc1d12a_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtNi0xLTEtMTIxMTI5NA_e0c13d85-a92a-4fe5-814a-6f3df144b15f">2,005</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i37d49127e96645969bcfbd3ee9ee4164_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtNy0xLTEtMTIxMTI5NA_2fe7b0c3-ee9c-40a7-9176-e54147381c33">2,287</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i767d10ebb3964f1591b6760f59d22b6e_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtOC0xLTEtMTIxMTI5NA_d8214f0a-0492-4f79-bef8-8b12cf58873a">7,813</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9af2e932c94d4512b76600569d3a320b_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtOS0xLTEtMTIxMTI5NA_3539b689-13a9-4fca-af6f-011d79b8275b">311,147</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18816a3d1c57446abb1d37183dc1d12a_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtMTAtMS0xLTEyMTEyOTQ_b425ed92-45fc-411a-8281-22344116494e">275,993</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37d49127e96645969bcfbd3ee9ee4164_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtMTEtMS0xLTEyMTEyOTQ_a363ce62-44e2-48d9-805f-73cfc4d4acce">28,294</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i767d10ebb3964f1591b6760f59d22b6e_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzgtMTItMS0xLTEyMTEyOTQ_510b620c-7200-4e34-9bce-c0d932ca8536">6,860</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: individual</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6ee7e080322546aa8c7d962d8135f3be_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzktNS0xLTEtMTIxMTI5NA_d602c8fa-4d18-4a21-803e-e521ba0d5d1b">2,611</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i67662a5bf24a46489b5270bcd7693cc4_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzktNi0xLTEtMTIxMTI5NA_1ab59314-fa6f-4871-a008-93ae6cb6876f">10</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i484ef5ff4b574f699a113a13adb1dca5_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzktNy0xLTEtMTIxMTI5NA_3db7af52-c3ec-4e05-aaad-2213a20f496f">479</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i10fb1d7ac80e4d0a922c18bee82c9e13_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzktOC0xLTEtMTIxMTI5NA_62a3fadc-f135-4ad8-a1b0-9ee5aeedd8a3">2,122</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: collective</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic2337855587f49578875f2934b126d51_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzEwLTUtMS0xLTEyMTEyOTQ_d56230bd-1977-4449-a90b-c5e3b7a3a421">9,494</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i60ce14f8b150459290d1af6fd9b3c5ad_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzEwLTYtMS0xLTEyMTEyOTQ_12241963-0ba1-4b49-90d1-9c0f5935aec5">1,995</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i96d721f4b74d4b7c95f880f3aeace6ac_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzEwLTctMS0xLTEyMTEyOTQ_21a1c3cd-01f9-411f-9c5c-7318e799cc8b">1,808</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6b67d72747c84644a2092279d1ef4793_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo5MTI2ZmQ4M2RkYjg0ZTQ5Yjc1YWVlMTEwNmJlYzYzMy90YWJsZXJhbmdlOjkxMjZmZDgzZGRiODRlNDliNzVhZWUxMTA2YmVjNjMzXzEwLTgtMS0xLTEyMTEyOTQ_d42e16a5-3210-428a-b6bd-225600bce985">5,691</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU3NDky_63583606-13d7-4982-9f55-3d9bb0d379bf" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Spain includes all countries where BBVA, S.A. operates.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU3NDkz_65ca3787-26f1-4545-a73d-646851c4f179" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Turkey includes all countries in which Garanti BBVA operates.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU3NDk0_ca206713-884b-495d-a004-09745ace252d" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzU3MTc0NjA0NjU3NDk1_83897601-740b-40f5-beb7-21559f327b0f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(4) The amount of the accumulated allowances includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2020 the remaining balance was &#8364;363 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the operations or are applied to the value corrections when the losses materialize</ix:footnote>.</span></div></ix:continuation><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzI3NTA_8e899208-ca20-4a8f-bd60-196cf6fd464d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown by counterparty of the maximum credit risk exposure, the accumulated allowances recorded, as well as the carrying amount by stages of loans and advances to customers as of December 31, 2022, 2021 and 2020 is shown below:</span></div><div style="margin-top:14pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:22.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.223%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross exposure</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Accumulated allowances</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public administrations</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i50b016b8bd6e4f24bab9155ebfcc433d_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtMS0xLTEtNzE0Nzc0_331087af-ee54-4e0f-a0e4-e2b756bc3ba7">20,922</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44187f966fd94dad96ed01e12f719f84_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtMi0xLTEtNzE0Nzc0_3950aa2c-0db2-4dfb-813c-85bb2cc9b197">20,582</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6cca48e5924491983ae742d26b042e0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtMy0xLTEtNzE0Nzc0_ab588474-fc19-43ba-9436-6bbed1901cda">302</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3a353a2e57c4bbeac282898d779d24b_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtNC0xLTEtNzE0Nzc0_6110336a-c0c9-4bd0-831c-9e1a8ae4c880">38</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i50b016b8bd6e4f24bab9155ebfcc433d_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtNS0xLTEtNzE0Nzc0_0512c9a0-f153-4441-816f-bf26c910e97c">30</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44187f966fd94dad96ed01e12f719f84_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtNi0xLTEtNzE0Nzc0_3e9510d6-f98f-4839-b071-671125ca32fa">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic6cca48e5924491983ae742d26b042e0_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtNy0xLTEtNzE0Nzc0_26847eb8-d074-488e-99f4-b64de2a83ce4">11</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib3a353a2e57c4bbeac282898d779d24b_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtOC0xLTEtNzE0Nzc0_28d0c6b0-ad7f-4a52-ada4-9f77543e72ad">11</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i50b016b8bd6e4f24bab9155ebfcc433d_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtOS0xLTEtNzE0Nzc0_53acefcd-7523-412d-a660-4290dc0febce">20,892</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44187f966fd94dad96ed01e12f719f84_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtMTAtMS0xLTcxNDc3NA_58318b88-f407-4463-93c1-c7e5e21f152b">20,574</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6cca48e5924491983ae742d26b042e0_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtMTEtMS0xLTcxNDc3NA_a443d6f2-580c-42f6-ad0b-74b60ffdaf81">291</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3a353a2e57c4bbeac282898d779d24b_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzMtMTItMS0xLTcxNDc3NA_5a85d119-c526-4323-8af5-5ad8a2046f2c">27</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c8f5f0d5df54c259e50515ed25b6b6f_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtMS0xLTEtNzE0Nzc0_ba64cc17-e016-45eb-aa9e-b0e14db07542">12,802</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i698eef3ce5e348f0b4743790bb371dcc_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtMi0xLTEtNzE0Nzc0_3800db28-5861-4312-82ec-cc0c058b7986">12,548</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715be018931e4b3e9aaaed4107846dbd_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtMy0xLTEtNzE0Nzc0_8e94bc5b-545a-47d8-b901-35c9ac0e163c">238</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98a6de65fbfc4e0d907a78ebfae4e499_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtNC0xLTEtNzE0Nzc0_2b3fd835-1cc6-4b34-a0a7-c6891ab006f1">17</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7c8f5f0d5df54c259e50515ed25b6b6f_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtNS0xLTEtNzE0Nzc0_b1242a6e-be5d-4599-a05a-f7c577d4a7a5">37</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i698eef3ce5e348f0b4743790bb371dcc_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtNi0xLTEtNzE0Nzc0_122a4095-ef00-4d87-9043-ca96aa358653">15</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i715be018931e4b3e9aaaed4107846dbd_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtNy0xLTEtNzE0Nzc0_e1d74f47-b86e-4251-a500-ff03fff911c3">12</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i98a6de65fbfc4e0d907a78ebfae4e499_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtOC0xLTEtNzE0Nzc0_1a4f4383-476b-4104-87d4-636ded90d14f">10</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c8f5f0d5df54c259e50515ed25b6b6f_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtOS0xLTEtNzE0Nzc0_7cdb293b-6e23-4343-822a-8b5fcba4f2f9">12,765</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i698eef3ce5e348f0b4743790bb371dcc_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtMTAtMS0xLTcxNDc3NA_6f9a3be5-a7cc-4a1f-837a-6bc083192753">12,533</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715be018931e4b3e9aaaed4107846dbd_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtMTEtMS0xLTcxNDc3NA_ab90c5da-3267-41fe-b18c-76754f922c41">226</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98a6de65fbfc4e0d907a78ebfae4e499_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzQtMTItMS0xLTcxNDc3NA_fdb285a8-3edb-4a66-bc8f-0540157d04d7">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8facc6567fb94f70b9b822a8a7576d9b_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtMS0xLTEtNzE0Nzc0_ab722ae9-4d10-4772-8643-2a236174e5c8">171,006</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5055181a4074d88aaef3d735f938bd3_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtMi0xLTEtNzE0Nzc0_981c1bb4-d90b-40d7-a193-a88ee635e594">149,579</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48972665077f41b49625595e4f011260_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtMy0xLTEtNzE0Nzc0_807bd29c-051e-4db7-a4ff-853636f1f4fe">15,087</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia75af44b70444a11a1e611d39ba85908_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtNC0xLTEtNzE0Nzc0_d613049d-8c63-4438-b718-3022850e9feb">6,340</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8facc6567fb94f70b9b822a8a7576d9b_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtNS0xLTEtNzE0Nzc0_28418e9d-efa1-4990-8895-e7dbd72336fd">5,495</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia5055181a4074d88aaef3d735f938bd3_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtNi0xLTEtNzE0Nzc0_c0b860c5-c929-4586-97ff-090cfb70fa60">675</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i48972665077f41b49625595e4f011260_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtNy0xLTEtNzE0Nzc0_e5c21a77-cd1b-4238-9e0c-ca554e866012">991</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia75af44b70444a11a1e611d39ba85908_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtOC0xLTEtNzE0Nzc0_06dd5ad2-3611-4931-955c-b870bf566a84">3,829</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8facc6567fb94f70b9b822a8a7576d9b_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtOS0xLTEtNzE0Nzc0_5cc31963-e2f2-403a-a1a6-c0e80bbadcbe">165,510</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5055181a4074d88aaef3d735f938bd3_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtMTAtMS0xLTcxNDc3NA_8d302267-e188-4bfb-ad97-9b8facff124a">148,903</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48972665077f41b49625595e4f011260_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtMTEtMS0xLTcxNDc3NA_e71b4139-4c51-45ee-aabe-c615606d5e5c">14,096</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia75af44b70444a11a1e611d39ba85908_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzUtMTItMS0xLTcxNDc3NA_1f68b290-0666-49b9-8693-217d9b7ba803">2,511</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia066ee8b57b2479b991f0dd053bd31c2_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtMS0xLTEtNzE0Nzc0_5ab9b59b-ecf3-4a17-99f4-1008467bda84">164,530</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib094fb658dbc4a0e9f4c9853b89d47e4_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtMi0xLTEtNzE0Nzc0_c4cf97ee-95ab-4bfd-ba8b-17add62daf18">139,491</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if61608d59eb34e388dfeef9536062545_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtMy0xLTEtNzE0Nzc0_cf08b09f-ebd9-4bf2-a943-7a97666ce374">17,941</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f6da041868e48c58bce7f90ea9acb0a_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtNC0xLTEtNzE0Nzc0_262eb831-30de-4506-beef-d543ef336b2f">7,098</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia066ee8b57b2479b991f0dd053bd31c2_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtNS0xLTEtNzE0Nzc0_3e8b6e61-6a8e-4971-af86-403f698b6838">5,675</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib094fb658dbc4a0e9f4c9853b89d47e4_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtNi0xLTEtNzE0Nzc0_4b754c8e-9cf1-4d21-9d13-d68ff8715297">1,316</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if61608d59eb34e388dfeef9536062545_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtNy0xLTEtNzE0Nzc0_326d6d10-b04a-43b4-a2d9-1477132e14f0">925</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3f6da041868e48c58bce7f90ea9acb0a_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtOC0xLTEtNzE0Nzc0_81461246-0aec-41ec-ba3a-ee7137686c93">3,434</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia066ee8b57b2479b991f0dd053bd31c2_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtOS0xLTEtNzE0Nzc0_27a33abe-6b2a-4cfc-b12e-01891da36ed1">158,855</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib094fb658dbc4a0e9f4c9853b89d47e4_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtMTAtMS0xLTcxNDc3NA_b39bdb6e-8db0-4722-a7a6-a9f3c4344646">138,175</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if61608d59eb34e388dfeef9536062545_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtMTEtMS0xLTcxNDc3NA_24cf17aa-209f-4d5a-b470-19e0a7cefd5b">17,017</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f6da041868e48c58bce7f90ea9acb0a_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzYtMTItMS0xLTcxNDc3NA_de722054-8aa4-466a-ab59-8a52cc7fca25">3,663</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4e44306de544334a4b89937a1550d88_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctMS0xLTEtNzE0Nzc0_5e3060bc-c6f1-4595-ab58-d0c4a13decbd">369,260</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2b2e5f57543455eb5d375a0765a94d1_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctMi0xLTEtNzE0Nzc0_7bc8e74a-ce3e-46c7-9fab-df8b00587c6b">322,199</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i759032e433904fd3b6cd2945d3bfacd0_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctMy0xLTEtNzE0Nzc0_f65d83c6-625c-4d81-8d52-c06bd2bb2984">33,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a9f443b53154d4d83b05930bf21069b_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctNC0xLTEtNzE0Nzc0_7bd57670-8755-485f-b07d-0814ba063d7a">13,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic4e44306de544334a4b89937a1550d88_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctNS0xLTEtNzE0Nzc0_dcccceec-e388-4992-b657-5392e18e3bf7">11,237</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia2b2e5f57543455eb5d375a0765a94d1_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctNi0xLTEtNzE0Nzc0_6ebdfa6e-9d99-4d9c-8c4e-e5fd1659bdcc">2,014</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i759032e433904fd3b6cd2945d3bfacd0_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctNy0xLTEtNzE0Nzc0_33913e0f-c728-453f-8cc8-c0b5b38b09cb">1,938</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2a9f443b53154d4d83b05930bf21069b_I20221231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctOC0xLTEtNzE0Nzc0_8e9e9d78-a04b-410c-a49c-6fb94bcf2ca6">7,284</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4e44306de544334a4b89937a1550d88_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctOS0xLTEtNzE0Nzc0_2db034df-08f1-4b02-97d3-49838954ad2b">358,023</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2b2e5f57543455eb5d375a0765a94d1_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctMTAtMS0xLTcxNDc3NA_c6462961-9579-4823-86f7-098ac95e0889">320,185</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i759032e433904fd3b6cd2945d3bfacd0_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctMTEtMS0xLTcxNDc3NA_1e70ea97-f133-47b9-869e-60bb9d668635">31,629</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a9f443b53154d4d83b05930bf21069b_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTpmY2RlNGI5ZmJjMjg0MDMwYjUwNjA4YjA4Yzk1MTBjNC90YWJsZXJhbmdlOmZjZGU0YjlmYmMyODQwMzBiNTA2MDhiMDhjOTUxMGM0XzctMTItMS0xLTcxNDc3NA_aab1e427-0a0c-416a-9865-490f48fddbed">6,208</ix:nonFraction></span></td></tr></table></div><div style="margin-top:14pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:22.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.223%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross exposure</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Accumulated allowances</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount</span></td></tr><tr><td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:1pt solid #FFFFFF;border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public administrations</span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6a80b03e56c4685af501e7f95595a98_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtMS0xLTEtNzE0Nzc0_b6eb5555-ae7d-49eb-874a-4f20441df103">19,719</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61a183d15d0a4db4b0922dadf2171999_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtMi0xLTEtNzE0Nzc0_c71c31c8-2a00-4dab-9d7d-484008e2c283">19,287</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24978c04905a4634a88ee5a219755614_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtMy0xLTEtNzE0Nzc0_52b2af1a-a7a1-4f8c-8f36-765d0d102aa6">369</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefd18eb9fe814357a4826341534c18e5_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtNC0xLTEtNzE0Nzc0_74c38f49-5dc1-4e13-b999-0b3a587a86b3">62</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie6a80b03e56c4685af501e7f95595a98_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtNS0xLTEtNzE0Nzc0_1f161aff-5a58-461a-95af-2a536c23f513">37</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i61a183d15d0a4db4b0922dadf2171999_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtNi0xLTEtNzE0Nzc0_88637b92-ad86-4212-95d8-95c256d08b2e">13</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i24978c04905a4634a88ee5a219755614_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtNy0xLTEtNzE0Nzc0_50064d46-53af-4d77-bf37-4bf9708a2eb2">5</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iefd18eb9fe814357a4826341534c18e5_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtOC0xLTEtNzE0Nzc0_7f8c22c4-1bf9-4e7b-947e-0710dc3ec18f">19</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6a80b03e56c4685af501e7f95595a98_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtOS0xLTEtNzE0Nzc0_9e4fc8a3-7b2c-444b-8899-e46681cb109b">19,682</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61a183d15d0a4db4b0922dadf2171999_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtMTAtMS0xLTcxNDc3NA_e67a09fb-15dd-4055-be76-8ac15697da33">19,274</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24978c04905a4634a88ee5a219755614_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtMTEtMS0xLTcxNDc3NA_c1d08f70-bfad-4dd9-8a75-066ccc47dba1">364</ix:nonFraction></span></td><td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefd18eb9fe814357a4826341534c18e5_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzMtMTItMS0xLTcxNDc3NA_0bcee28f-eabc-4dc4-bd3f-60ff26cc5a95">43</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b97c34646ad46d7b3de74f2c7b6ae6f_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtMS0xLTEtNzE0Nzc0_0c2325b2-f706-45e7-ba0a-f6eea8bd4e0f">9,826</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic53002592f1940ac997e3cd6287c4aa3_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtMi0xLTEtNzE0Nzc0_462a9e34-3b51-4f64-85bf-5625825d4271">9,672</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic98f4e67cd5e49e2b6d4fa302e394ad3_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtMy0xLTEtNzE0Nzc0_0d12235a-37c7-4423-889e-d69b75e7b265">131</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5c38b77abb547bca7a53c7517a02206_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtNC0xLTEtNzE0Nzc0_773aa211-d49d-466f-a580-b705d440c6c2">24</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4b97c34646ad46d7b3de74f2c7b6ae6f_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtNS0xLTEtNzE0Nzc0_76dbe149-6024-4348-a96b-9d593484118e">23</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic53002592f1940ac997e3cd6287c4aa3_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtNi0xLTEtNzE0Nzc0_e7210bb3-5a50-418b-ba47-af9053804c56">8</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic98f4e67cd5e49e2b6d4fa302e394ad3_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtNy0xLTEtNzE0Nzc0_1e3ad3a9-f01c-4e36-b261-ce4810cf4444">6</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id5c38b77abb547bca7a53c7517a02206_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtOC0xLTEtNzE0Nzc0_57333b87-59e4-4dad-979a-0a345a8c484b">9</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b97c34646ad46d7b3de74f2c7b6ae6f_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtOS0xLTEtNzE0Nzc0_410220e3-ac3e-4699-8037-7682de50905f">9,804</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic53002592f1940ac997e3cd6287c4aa3_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtMTAtMS0xLTcxNDc3NA_b2c43a63-a90c-47e7-99c2-422b77aa42ce">9,664</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic98f4e67cd5e49e2b6d4fa302e394ad3_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtMTEtMS0xLTcxNDc3NA_65fa8382-a071-496b-884a-e5326fd0292d">125</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5c38b77abb547bca7a53c7517a02206_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzQtMTItMS0xLTcxNDc3NA_c0df8b9a-3b94-449a-ab2e-fa40e7ad9ce0">15</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i804345726da0429386b6fcc7be6e1007_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtMS0xLTEtNzE0Nzc0_85f73685-b1dd-4e02-8ca8-6e890d4ae7a2">146,797</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i356683931c7e4d7f9054bda2a3050497_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtMi0xLTEtNzE0Nzc0_46d04d80-a790-491f-aae0-041509332933">120,140</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i086afb23581e491aa9b7072f6a02b0fb_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtMy0xLTEtNzE0Nzc0_758f723a-8b2c-4f8c-b5c5-b65139a8805b">19,366</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if32d54a0ca3a4e609243539bb97c9017_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtNC0xLTEtNzE0Nzc0_03661c26-fdb6-4acf-a952-d478a029e947">7,290</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i804345726da0429386b6fcc7be6e1007_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtNS0xLTEtNzE0Nzc0_323e844d-ca29-4adf-bb19-31ec7687ad31">5,804</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i356683931c7e4d7f9054bda2a3050497_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtNi0xLTEtNzE0Nzc0_676cb14e-6757-4877-8177-2b177d007118">759</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i086afb23581e491aa9b7072f6a02b0fb_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtNy0xLTEtNzE0Nzc0_3ad26820-bff2-4374-b534-409aaf64ee87">1,306</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if32d54a0ca3a4e609243539bb97c9017_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtOC0xLTEtNzE0Nzc0_7a223d13-0a69-4049-9633-46d380799dc3">3,738</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i804345726da0429386b6fcc7be6e1007_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtOS0xLTEtNzE0Nzc0_deceb6ac-77ab-44e8-be1d-3d0bb6c634b1">140,993</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i356683931c7e4d7f9054bda2a3050497_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtMTAtMS0xLTcxNDc3NA_f6e9378f-b95a-4c1f-b107-29219e2890e7">119,381</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i086afb23581e491aa9b7072f6a02b0fb_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtMTEtMS0xLTcxNDc3NA_a7b5d203-3365-4ad6-bd98-29890f69a073">18,060</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if32d54a0ca3a4e609243539bb97c9017_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzUtMTItMS0xLTcxNDc3NA_84e9a563-b684-4d3d-a3f4-bc3a7f4c8f43">3,552</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9adc967f7d9640aaaff46509e6953fe1_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtMS0xLTEtNzE0Nzc0_f230d8da-9040-46bf-aae1-b2e44383d413">153,714</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if2d4eda9f2344c1f8f636437e7396876_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtMi0xLTEtNzE0Nzc0_99353aa7-98a5-4f29-89ca-e1ca7d72904d">132,096</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88d31437f2bf42a2b1bab0241a4192f7_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtMy0xLTEtNzE0Nzc0_409c0578-a91d-44ab-b80f-5237792c5cdf">14,336</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9816a4a00eff45679fd7b2972e536287_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtNC0xLTEtNzE0Nzc0_2a293d69-7afb-4a94-9dc2-3660e3e0e631">7,281</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9adc967f7d9640aaaff46509e6953fe1_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtNS0xLTEtNzE0Nzc0_af2f0b42-157c-4b73-aefc-38c01a8bbfc3">5,253</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if2d4eda9f2344c1f8f636437e7396876_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtNi0xLTEtNzE0Nzc0_fc834421-b508-45b9-9753-eb57c457785d">1,184</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i88d31437f2bf42a2b1bab0241a4192f7_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtNy0xLTEtNzE0Nzc0_f7d5ae38-d348-41a4-a2c3-6dc0822c2672">773</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9816a4a00eff45679fd7b2972e536287_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtOC0xLTEtNzE0Nzc0_8a463b4c-35e0-4422-b07c-7693f56aba41">3,295</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9adc967f7d9640aaaff46509e6953fe1_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtOS0xLTEtNzE0Nzc0_eba5d30a-125a-4ea4-aaa2-152e0071c2b9">148,461</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if2d4eda9f2344c1f8f636437e7396876_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtMTAtMS0xLTcxNDc3NA_ca4f4341-ca40-44cb-ae2d-dbbcbf2910e0">130,912</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88d31437f2bf42a2b1bab0241a4192f7_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtMTEtMS0xLTcxNDc3NA_f729f857-50b0-4dae-83e8-52d65487714b">13,563</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9816a4a00eff45679fd7b2972e536287_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzYtMTItMS0xLTcxNDc3NA_edaa7caa-2264-4157-9516-878a93b33f2c">3,986</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0a625d32d784a4c8a883b39cbbaa280_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctMS0xLTEtNzE0Nzc0_cb9a5075-fd18-45ee-a98b-0421b6d671f0">330,055</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a11ae9500ea454e99e71bb6bef3a8a5_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctMi0xLTEtNzE0Nzc0_113fc109-175f-461a-898e-e2417f7c6e82">281,195</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib120ef5ac2424579932314e598729833_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctMy0xLTEtNzE0Nzc0_6ede11eb-b193-42f2-a488-de0eb06aa6d9">34,203</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9901bd94428b4dd99b8a5f0a7ca3021b_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctNC0xLTEtNzE0Nzc0_ec02bc3a-010d-4001-bd55-85f1004c2e26">14,657</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id0a625d32d784a4c8a883b39cbbaa280_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctNS0xLTEtNzE0Nzc0_52d7a294-963e-41ac-b1ce-2ccdc6bfb384">11,116</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4a11ae9500ea454e99e71bb6bef3a8a5_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctNi0xLTEtNzE0Nzc0_ee9b260a-ef9f-46a7-8103-da50c700e960">1,964</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib120ef5ac2424579932314e598729833_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctNy0xLTEtNzE0Nzc0_54ebe6c9-285f-4a3d-a81c-9ee1c5f051c5">2,091</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9901bd94428b4dd99b8a5f0a7ca3021b_I20211231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctOC0xLTEtNzE0Nzc0_2481c6e6-d70a-458a-9732-40a8953e2db7">7,061</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0a625d32d784a4c8a883b39cbbaa280_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctOS0xLTEtNzE0Nzc0_dcf33dd9-45eb-4954-b703-cb25e77f3d11">318,939</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a11ae9500ea454e99e71bb6bef3a8a5_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctMTAtMS0xLTcxNDc3NA_c1085e1d-2233-45b8-b6b1-7641b8e129df">279,231</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib120ef5ac2424579932314e598729833_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctMTEtMS0xLTcxNDc3NA_19a5451f-255b-4007-83d2-dce7faa2dc01">32,112</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9901bd94428b4dd99b8a5f0a7ca3021b_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo3MDRiNjY4NDk1YmE0NTY4OWExYTA1NTUxYmVlMDlhOC90YWJsZXJhbmdlOjcwNGI2Njg0OTViYTQ1Njg5YTFhMDU1NTFiZWUwOWE4XzctMTItMS0xLTcxNDc3NA_f276cdf2-ee38-4b87-bc04-fe7d9da4778d">7,596</ix:nonFraction></span></td></tr></table></div><div style="margin-top:14pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:22.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.223%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross exposure</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Accumulated allowances</span></td><td colspan="12" style="border-left:0.25pt solid #ffffff;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public administrations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia66fdb0c990f4e09865374dcd3d9b6aa_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtMS0xLTEtNzE0Nzc0_f16d9aca-170e-4d19-a348-8057d1d6ead9">19,439</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i89da3dca01274ed88691dd9577875934_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtMi0xLTEtNzE0Nzc0_cb2ab07b-fa9e-4344-b48a-a86c689efb21">19,163</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8e17ddf22fa4777bb5a7c6ccb1e81cf_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtMy0xLTEtNzE0Nzc0_679d38ab-856b-4059-a1c9-ec407d05b34f">200</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4f94fdc0348cbb933adfb713e2c8d_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtNC0xLTEtNzE0Nzc0_95d949fd-463f-48de-a187-e0564277fc9d">76</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia66fdb0c990f4e09865374dcd3d9b6aa_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtNS0xLTEtNzE0Nzc0_347e3f9f-9071-41fe-a825-06cfc8af21f1">48</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i89da3dca01274ed88691dd9577875934_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtNi0xLTEtNzE0Nzc0_52bf41a9-98fd-4260-8892-4f0076192d1b">14</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie8e17ddf22fa4777bb5a7c6ccb1e81cf_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtNy0xLTEtNzE0Nzc0_75e6c8b8-b318-4936-8be4-9d521e54ef54">9</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if3a4f94fdc0348cbb933adfb713e2c8d_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtOC0xLTEtNzE0Nzc0_f42842f2-05be-492b-b378-d81634ab9cf2">25</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia66fdb0c990f4e09865374dcd3d9b6aa_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtOS0xLTEtNzE0Nzc0_a3ee7261-a65b-4043-9362-68d9396ec0c1">19,391</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i89da3dca01274ed88691dd9577875934_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtMTAtMS0xLTcxNDc3NA_8e9601d9-aee5-4354-997f-397daad97ba2">19,149</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8e17ddf22fa4777bb5a7c6ccb1e81cf_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtMTEtMS0xLTcxNDc3NA_f6db89eb-f9eb-4ba7-8948-3f007622fbd3">191</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4f94fdc0348cbb933adfb713e2c8d_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzMtMTItMS0xLTcxNDc3NA_3ee0b4ab-6d8b-4f87-85ee-7fa0d6852b57">51</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id05ba34b446b408d995bd53a39b12aa7_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtMS0xLTEtNzE0Nzc0_a740828a-9a22-4280-8b17-9e5ca9d2e299">9,856</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56f08333ea964d818d1dd9db8abe02e4_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtMi0xLTEtNzE0Nzc0_d6b6da1a-dd2f-47f9-8323-7a2a043829c8">9,747</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6be16ac1f64d4a709db13a8d45b185cf_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtMy0xLTEtNzE0Nzc0_48cc3c8e-1f23-43c0-9005-477522c63b22">95</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i255c80beb50e4b3bb7d41c777ba49ce6_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtNC0xLTEtNzE0Nzc0_07c3b2cd-8e95-44b4-ab42-e92f6626a26b">14</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id05ba34b446b408d995bd53a39b12aa7_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtNS0xLTEtNzE0Nzc0_7656c960-da4e-4f63-88e5-637fbb7d3763">39</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i56f08333ea964d818d1dd9db8abe02e4_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtNi0xLTEtNzE0Nzc0_f5bd5feb-ec33-4082-b9d6-6f21f2b26242">25</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6be16ac1f64d4a709db13a8d45b185cf_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtNy0xLTEtNzE0Nzc0_6848a52b-9f39-426c-bd11-1a5a97f5aef1">6</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i255c80beb50e4b3bb7d41c777ba49ce6_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtOC0xLTEtNzE0Nzc0_29821dda-852e-4346-ae4b-93a5252a92ae">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id05ba34b446b408d995bd53a39b12aa7_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtOS0xLTEtNzE0Nzc0_084f718f-b911-4a94-b1ac-b2d9d25a2376">9,817</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56f08333ea964d818d1dd9db8abe02e4_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtMTAtMS0xLTcxNDc3NA_3c157205-26a6-4abe-9b2a-907d6a8d93be">9,722</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6be16ac1f64d4a709db13a8d45b185cf_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtMTEtMS0xLTcxNDc3NA_db25d567-eb97-42f1-aae5-7b8f1c9f47ce">88</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i255c80beb50e4b3bb7d41c777ba49ce6_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzQtMTItMS0xLTcxNDc3NA_d9a3c926-92fa-44b4-95b7-d3cd80a81754">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i205f2714eaf54829a5cb4bac0e46a26a_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtMS0xLTEtNzE0Nzc0_4e171371-31b7-4240-b13d-76e16953e3ba">142,547</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i582d67c5d9494123b7a3b1cd7d3cbaf8_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtMi0xLTEtNzE0Nzc0_400217ea-b17a-4077-8087-04b3af70272e">119,891</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaef4ff5a3a424e07bf9e52b2a7405f38_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtMy0xLTEtNzE0Nzc0_5e82bde4-e007-4b7d-bf2e-745bf29060bf">15,179</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i905ec883948e4ad082c5b69f2c3dafc0_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtNC0xLTEtNzE0Nzc0_67cf0bf6-e989-4e73-ac88-20fe31702ad2">7,477</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i205f2714eaf54829a5cb4bac0e46a26a_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtNS0xLTEtNzE0Nzc0_8692e34f-acf9-411b-8613-c82fba8c3ebd">6,123</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i582d67c5d9494123b7a3b1cd7d3cbaf8_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtNi0xLTEtNzE0Nzc0_def1fe2d-9b77-4837-85a4-dca652432784">774</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaef4ff5a3a424e07bf9e52b2a7405f38_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtNy0xLTEtNzE0Nzc0_3e256111-1a0c-4c1a-b76a-50cf473b13f9">1,110</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i905ec883948e4ad082c5b69f2c3dafc0_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtOC0xLTEtNzE0Nzc0_a7a535f8-1592-4fe6-b1cf-5c66bca7a039">4,239</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i205f2714eaf54829a5cb4bac0e46a26a_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtOS0xLTEtNzE0Nzc0_f84189c2-330b-4c9d-9027-2ccbf019ff75">136,424</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i582d67c5d9494123b7a3b1cd7d3cbaf8_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtMTAtMS0xLTcxNDc3NA_1964439a-fa68-4990-9fb9-f6c4e666fb8c">119,117</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaef4ff5a3a424e07bf9e52b2a7405f38_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtMTEtMS0xLTcxNDc3NA_eca6fe94-3930-4966-bacc-ea03e2ff0b10">14,069</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i905ec883948e4ad082c5b69f2c3dafc0_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzUtMTItMS0xLTcxNDc3NA_cbd1facf-d8cb-460f-be55-56f168385fc5">3,238</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61f430c1c57f49d7824d6300e0b747e1_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtMS0xLTEtNzE0Nzc0_78f9123e-9d6b-4dfc-8d2e-ed7d40dcf113">151,410</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba6264302a544e0d846ec175f9987fd2_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtMi0xLTEtNzE0Nzc0_8ebd8e94-c92b-428c-b0eb-c913d624a61a">129,196</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54c803a97d5d4a1c8a6269b8604a05f5_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtMy0xLTEtNzE0Nzc0_1eee6882-e152-43b6-b5bc-d6b3f0c56f9a">15,108</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1261bc0b51d641eabde59fd66093cdd6_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtNC0xLTEtNzE0Nzc0_c13a34b3-5742-4531-b8cf-00e412f8909d">7,106</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i61f430c1c57f49d7824d6300e0b747e1_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtNS0xLTEtNzE0Nzc0_0d8e102f-e700-4d34-b3b1-6ee3aae0c9e2">5,895</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iba6264302a544e0d846ec175f9987fd2_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtNi0xLTEtNzE0Nzc0_313dd16e-e05c-4794-adfe-03d2c5ed082a">1,192</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i54c803a97d5d4a1c8a6269b8604a05f5_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtNy0xLTEtNzE0Nzc0_df09edb6-0de4-4ae0-9be0-92f7839330ed">1,161</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1261bc0b51d641eabde59fd66093cdd6_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtOC0xLTEtNzE0Nzc0_1e0eede1-9d1b-46b3-abf7-407419c2c5d5">3,542</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61f430c1c57f49d7824d6300e0b747e1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtOS0xLTEtNzE0Nzc0_3b500dd6-90d9-4da4-9741-fdb6cb80ee6a">145,515</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba6264302a544e0d846ec175f9987fd2_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtMTAtMS0xLTcxNDc3NA_efce5de2-fc7e-40c4-b293-0bb5260759f0">128,005</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54c803a97d5d4a1c8a6269b8604a05f5_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtMTEtMS0xLTcxNDc3NA_a899cc8d-ea7d-4c3c-b5cc-0e6b33d189e6">13,946</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1261bc0b51d641eabde59fd66093cdd6_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzYtMTItMS0xLTcxNDc3NA_1320090f-998e-40d9-b11a-ead9943693ff">3,564</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2d011e2fca94743a3c048b140bc4957_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctMS0xLTEtNzE0Nzc0_be666033-8e66-41b7-b3b8-d1d6aa164694">323,252</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib88ce29e47824637aeaeaa791db5acc4_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctMi0xLTEtNzE0Nzc0_71d1dd44-807c-4545-8369-0cec92e496b5">277,998</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20b42d3e41f74333b4ac09d0c5d67fff_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctMy0xLTEtNzE0Nzc0_2f930c11-5864-4b80-891f-ad8bac214366">30,581</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i115817c21ea44c9381c40010820758b3_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctNC0xLTEtNzE0Nzc0_fe481ef1-7c95-4fd4-96aa-a8a5e850fcf0">14,672</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic2d011e2fca94743a3c048b140bc4957_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctNS0xLTEtNzE0Nzc0_1d4dd043-4271-4a35-8679-7f1e0361ea60">12,105</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib88ce29e47824637aeaeaa791db5acc4_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctNi0xLTEtNzE0Nzc0_f6d9e407-e5a9-4ec3-b08a-faaca2804eb4">2,005</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i20b42d3e41f74333b4ac09d0c5d67fff_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctNy0xLTEtNzE0Nzc0_aa0e4b9b-72c7-493a-9d82-035b2b93b76d">2,287</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i115817c21ea44c9381c40010820758b3_I20201231" decimals="-6" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctOC0xLTEtNzE0Nzc0_c3c2d5d9-9c78-4b9a-b496-e609b41760e8">7,813</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2d011e2fca94743a3c048b140bc4957_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctOS0xLTEtNzE0Nzc0_82ddca18-8f3c-45f4-8c23-5a45009d5eac">311,147</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib88ce29e47824637aeaeaa791db5acc4_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctMTAtMS0xLTcxNDc3NA_2cccae3c-eb71-4af4-a20a-ed017a1e17ac">275,993</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20b42d3e41f74333b4ac09d0c5d67fff_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctMTEtMS0xLTcxNDc3NA_556fa685-39fe-46cc-a620-973d6d360350">28,294</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i115817c21ea44c9381c40010820758b3_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTozODJiMWM1NzEwYjA0YWQ3YmVjYWZmODE2YmViNDJlNS90YWJsZXJhbmdlOjM4MmIxYzU3MTBiMDRhZDdiZWNhZmY4MTZiZWI0MmU1XzctMTItMS0xLTcxNDc3NA_85eab8ae-b2d3-44a9-862d-ebb51dcdaaac">6,860</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-65</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="if76d988f043540d8b22aeb93c9354243" continuedAt="id0ce5cfb13fd4a7fa0352b45abb021b7"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90ZXh0cmVnaW9uOjBkM2RhMDc3MzYxYTRhMjQ4NDMwZDUxZmM1N2JjNTE1XzI3NDQ_97d5880a-b08f-485b-b098-e9b4a28ee6b8" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown by counterparty and product of loans and advances, net of loss allowances, as well as the gross carrying amount by type of product, classified in different headings of the assets, as of December 31, 2022, 2021 and 2020 is shown below:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:23.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.537%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">General governments</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Households</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">On demand and short notice</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib01b4086f0154554993864d85690c090_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItMS0xLTEtNzE0Nzc0_1c260f4e-bddc-4439-be35-7a9691d9a283">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf5af24cdc8546569e5eaee7e1efa083_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItMi0xLTEtNzE0Nzc0_460c9be3-3cf5-4609-9b22-0f96d7ff2c54">6</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc2c9639ba5843e09a161b9d0e877162_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItMy0xLTEtNzE0Nzc0_3a097499-1db2-4dba-bcd3-1e6d445fad75">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0602144dc6b34762a01e707d28c903be_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItNC0xLTEtNzE0Nzc0_d5c81710-5cc4-405e-9c90-932bd12f15f8">352</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8a1fc8b692f847fe9caa28ae30a3ea7a_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItNS0xLTEtNzE0Nzc0_acade9b4-c5b4-42b2-b86b-9507f12fc6a9">2,810</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iecc33b3970144d8e8aefd6ebf16bf080_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItNi0xLTEtNzE0Nzc0_cb034d3b-93c1-48d9-a0df-c906cf46a918">933</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20476e7a0bbe4922b3657f60aecc2ca1_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItNy0xLTEtNzE0Nzc0_29a1871b-c5e7-413d-adb2-3455bea88de1">4,101</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3405ed467b24e5f97682c650a38caf7_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzItOC0xLTEtNzE0Nzc0_825fd30f-8b4c-49bb-92d9-c2cc528ba11c">4,266</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit card debt</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8ca9c408de54c27bc0ce653c60d54eb_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtMS0xLTEtNzE0Nzc0_badcde31-6f7e-40a1-ac98-60cf34e130c3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75e1ee54c5c54f6194e1f0ea59765f83_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtMi0xLTEtNzE0Nzc0_76b9b0eb-1a05-423b-b9dd-938366f21a24">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab6137e9a0634e16a2fc0f8c1cdedbe4_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtMy0xLTEtNzE0Nzc0_9a0f94a9-6d44-475c-a9ec-82654c3f7e09">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieffe81f475794ac3a629e47520f730c5_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtNC0xLTEtNzE0Nzc0_613efb71-c531-4bea-91ba-07a1491d38d8">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1dd08230f1b7458d9127b3607e1d169d_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtNS0xLTEtNzE0Nzc0_ecac69f2-bc67-4260-b569-2a6478091809">2,029</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib82160634d6843358e3c9540e1ddf442_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtNi0xLTEtNzE0Nzc0_eec263d1-8cd7-4764-bead-9151f36a5c63">16,865</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8a8c9cae3bc499aa2f1635e857eeab0_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtNy0xLTEtNzE0Nzc0_05ffd1fe-02a8-4c32-89ac-5dcf2462df0c">18,898</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a90c963e16a48bd87f7cb774fed1679_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzMtOC0xLTEtNzE0Nzc0_7b5bca43-70fa-4b6f-bde8-eae04dd45b57">19,985</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commercial debtors</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7e1d105e13445f49a133d2f4ef83cf2_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtMi0xLTEtNzE0Nzc0_7aa802c8-23e8-4f4e-932e-0ffc2c5f9c84">1,021</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f358adea577471b8692419aca9a39c6_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtMy0xLTEtNzE0Nzc0_f6339d0c-a5a9-4d20-a741-7f717c573fd8">24</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i244d17490f5e4c088f789ecc636e1815_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtNC0xLTEtNzE0Nzc0_0d48351d-b785-41c5-ada1-7e30220f7174">370</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i295b2b5b5ba84db786ca68f357a81dc7_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtNS0xLTEtNzE0Nzc0_5c707cfa-b859-4296-b22f-d118a4eba7e3">24,510</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35acd19a199f489e91bb032904c9ecb0_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtNi0xLTEtNzE0Nzc0_bccff7a6-27c9-48af-8915-40a18bfc8e88">85</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ef8e6e385d54b9bba325a590e9a4ab0_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtNy0xLTEtNzE0Nzc0_75660104-147d-439e-855f-5bd1fd2d0232">26,011</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fcfff5f51b14d138619b65fb96cfa1f_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzQtOC0xLTEtNzE0Nzc0_a29a8948-7d4f-4e43-9da8-e31ff2d2388d">26,254</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Finance leases</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a2b1f6adc744bceada43491c22857c6_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtMS0xLTEtNzE0Nzc0_d32f1449-95a3-41e3-a9f9-5dbb4a80fb26">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7471739ceb2b425e92c1d2e9d1c6b2b4_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtMi0xLTEtNzE0Nzc0_21075e32-4e8e-4a8c-a759-740526675e2c">195</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51fd3e02365b4481a42891bd46c27210_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtMy0xLTEtNzE0Nzc0_610c8ee5-5adf-443d-b237-9c6d0eabd535">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i147ce6c2853d4245ba686a64ab063aa3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtNC0xLTEtNzE0Nzc0_1f57d938-0e7a-4348-801a-b1e8cbb792b7">13</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic162f455b9c14e16a3b3ad134d0eb8a2_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtNS0xLTEtNzE0Nzc0_c089fd89-e0f6-4799-944c-119c0adc8540">8,040</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59813c6adb2b4405a3cb3a5fd5af12ac_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtNi0xLTEtNzE0Nzc0_7f26311c-448c-46a4-ab71-65b461e42d07">322</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa352d51d9b94c369497c5625814d82d_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtNy0xLTEtNzE0Nzc0_9fc141b6-6ff5-456b-88ae-ac51ae418f01">8,571</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6e37e7198bf4012a3302f15f9399757_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzUtOC0xLTEtNzE0Nzc0_a069d7ad-85a6-431e-8e39-fd7ec92f11f3">8,857</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reverse repurchase loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic504afc495a74d27b8bf2bbe531b808a_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtMS0xLTEtNzE0Nzc0_66cabacf-89e9-439d-85a4-bbcfbcf503e6">302</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibbe9f296a9944350bfc0d4739afe15c3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtMi0xLTEtNzE0Nzc0_c8938692-be87-4924-b47a-3140214eedd3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb861db29a044eb9b97a0fb579287d4f_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtMy0xLTEtNzE0Nzc0_0890cd26-923a-4e9d-acb8-a59e239b27fc">5,251</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b4224b6892041969ffbbcd87fa1b112_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtNC0xLTEtNzE0Nzc0_773b3623-ed36-4415-843e-6d87268091e4">102</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2fb6b1a4e29846c4b5716d4c6a49ed2b_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtNS0xLTEtNzE0Nzc0_75b9d908-5692-490b-b812-16619683c33a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30aa408e4e03496a856a53fc933a680a_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtNi0xLTEtNzE0Nzc0_60602165-a690-422f-b9e8-bf6093b9da5d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iac2e463f80394de3889fd2ae03f1f114_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtNy0xLTEtNzE0Nzc0_2b57d9af-b018-47d8-b195-763c4d75f7b5">5,655</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5839aeeecee94578bbced37f2a3d6864_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzYtOC0xLTEtNzE0Nzc0_bcefe802-1f6e-4a21-8273-c40896e3649e">5,674</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other term loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib18016c11ac14da1ba1dd75d7e6781d4_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctMS0xLTEtNzE0Nzc0_7c01f00f-0cfc-4f58-add8-e114fd021db8">3,802</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48ab7c7fe5d344e6aca1df437241d700_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctMi0xLTEtNzE0Nzc0_a81818c7-863d-4363-a2b7-0205e312caa2">19,438</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e7551c154594033a06c731bd93c97d0_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctMy0xLTEtNzE0Nzc0_05fc11fa-7177-48df-accf-fc9ad8b30d9e">4,009</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6084f1e2a5774ce6b201ae9d3f06a875_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctNC0xLTEtNzE0Nzc0_15cd8d5b-37a9-4221-aa6e-610587e487e6">7,995</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice32c34698ad478688a086e5d04023f6_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctNS0xLTEtNzE0Nzc0_c86a90fc-d741-48df-9d6d-e26797e4e69b">126,949</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d3d234cfc68442ba1a93dc45bca0839_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctNi0xLTEtNzE0Nzc0_f16a0581-a68b-4d69-9f14-054d862c7fce">139,925</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe560f42bb3843b3bfacdf71bc584d8b_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctNy0xLTEtNzE0Nzc0_7e32c4c4-cd3e-4842-be40-fee52f06a331">302,118</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3d550a147c94a22b65c8b6c3cd77908_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzctOC0xLTEtNzE0Nzc0_8ca431ec-af46-4f65-a6a8-77a658483aca">311,553</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Advances that are not loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i89f4d67d85b1467ea5e0a97cea8aa598_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtMS0xLTEtNzE0Nzc0_de59380a-93cd-40bd-b68b-986fb1b11214">296</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i676d3817edc04ec8b8033681eb27a95f_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtMi0xLTEtNzE0Nzc0_86b5767a-b12e-4ea7-9254-dd4b4a4a1c54">232</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i263a33de660f4c41ac1f91cbf06a057a_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtMy0xLTEtNzE0Nzc0_79d168b3-c2a4-435a-96e8-2c071550e3f0">6,772</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id627d26a4ac34ad7b30276ed16584aa8_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtNC0xLTEtNzE0Nzc0_2f9da257-f6e3-4905-bcd5-c94ea743889c">3,930</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if95763cab61946d7a80664868e9fd00d_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtNS0xLTEtNzE0Nzc0_f03ba187-1ec1-4399-ae47-30dfa3b3dcf2">1,333</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3490bf900d8446a49ddbff30f2da4c8a_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtNi0xLTEtNzE0Nzc0_29cd3ed1-c208-41a9-a803-98115c7a77df">811</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabe603d592e84eb2801ea0a9aa15e006_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtNy0xLTEtNzE0Nzc0_3c6232d4-e4a7-4105-9ddb-a5abde84dc60">13,374</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1fe19bd886d44fb8e77af731da87976_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzgtOC0xLTEtNzE0Nzc0_37aca449-949d-46d6-a9fa-bfb6e299ac9f">13,430</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">LOANS AND ADVANCES</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10bd0f61535346e19b74e6ccb63d4d99_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktMS0xLTEtNzE0Nzc0_35d4c116-ffce-4998-b24e-949aea613bc9">4,401</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8a2e723d62864729be27e878ac1f1a4d_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktMi0xLTEtNzE0Nzc0_a2370da3-c4b4-4361-ab6d-38fd3de4ab4b">20,892</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4676961f639e49b7a3e5096bbee15a14_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktMy0xLTEtNzE0Nzc0_71225cbb-52ce-4557-b3fd-4eb1487eda66">16,057</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i138cfbfeaffe4515b84306c4159bb022_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktNC0xLTEtNzE0Nzc0_88d8b31a-8c68-427f-8e38-6a8de73b8616">12,765</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i401e941f609e48ddbd6c01a04f83a9b6_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktNS0xLTEtNzE0Nzc0_c243155b-1561-43d1-bdbe-5cdacb62bd57">165,670</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia333c8ac8deb44719d4a76311bb769ce_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktNi0xLTEtNzE0Nzc0_6d62aad1-87a2-4ca1-9f69-0e7d9f168896">158,943</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i25e774b3684843c5bace33671c5d3445_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktNy0xLTEtNzE0Nzc0_4a821908-21de-4e21-acde-16ec871966e7">378,728</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf9a9019f99d4a72b4e90ae2188da442_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzktOC0xLTEtNzE0Nzc0_d5443897-155c-440e-9c90-6d1b88ab3add">390,019</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By secured loans</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: mortgage loans collateralized by immovable property</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i588e035cab90483e94c4e4ef57be8ced_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTItMS0xLTcxNDc3NA_6d01a983-1272-4221-b74e-be0c07990f1d">297</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f8106ec1f9d4c468b7988e45e0f6c1d_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTMtMS0xLTcxNDc3NA_875c4ae5-e6af-4fba-885f-f4d716576313">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id64d7855fc4149208f61baae6a40cbf9_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTQtMS0xLTcxNDc3NA_11ab2d93-37e7-4aae-9ea8-57035da982c3">337</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i037212ee38ce490fbf77653425998f48_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTUtMS0xLTcxNDc3NA_2eb59099-868b-4e1a-9a8c-f423db6e8560">23,970</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8b5149495c8489d82ba5a5d68c7bd47_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTYtMS0xLTcxNDc3NA_d8c5c335-1b7b-4468-bf4e-f12734ed3145">95,056</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i982ed7c3a4cd4860a0acc2a867aed12f_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTctMS0xLTcxNDc3NA_24289030-fdde-4460-b887-0c8d0dad9818">119,659</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i105a609f83ce455494688e651ccc8340_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzExLTgtMS0xLTcxNDc3NA_50336de8-5fd8-4ebe-be5f-b678f9fde7e0">122,719</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: other collateralized loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c48debcbbad457fbddd506fbd6d19f1_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTEtMS0xLTcxNDc3NA_95248bf3-a0e6-4fe4-b7ed-765910eadeba">498</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e5079db54d742bf86a3a6369207e644_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTItMS0xLTcxNDc3NA_b5e206b1-7053-4c01-b700-84c7a1b157bd">5,382</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e640410653b41f4a4bffd8b30657700_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTMtMS0xLTcxNDc3NA_25260b76-6fa5-4a42-bfbf-f2be65287739">5,073</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba82f33a4d7a440c89a632ea972753a5_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTQtMS0xLTcxNDc3NA_408b5671-6cf6-429f-ae94-ab463e87cb84">548</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia21b5211cbad4e5e85b64e9da044bd8c_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTUtMS0xLTcxNDc3NA_36395ac5-5f4b-497b-ae9b-19b29c2f90fe">6,635</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d67c114cd34486e8973f037b099f6c9_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTYtMS0xLTcxNDc3NA_0b7ecd8a-ffba-4015-b5ad-aa88b9074336">2,209</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28045f0bdc49420785fe5918982ba1a7_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTctMS0xLTcxNDc3NA_5d5510bd-56eb-4f22-9c56-99402f12967d">20,345</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6687c1bfea6d477cba00add8df8a564a_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzEyLTgtMS0xLTcxNDc3NA_a0ecfc58-5717-4b9a-b3ba-60fa4778d138">20,675</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By purpose of the loan</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: credit for consumption</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98b020d1c3874be998f294e21bc8fcd1_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE0LTYtMS0xLTcxNDc3NA_7abe117b-a5eb-4d40-a668-3f684c8c2cfd">51,344</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f4d8343eb0e425eb8f1b295ae533e23_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE0LTctMS0xLTcxNDc3NA_d1de984b-b455-4dcb-81d2-acafd5249981">51,344</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id397e489bc5d4a5aa4b9959d65fa6a3f_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE0LTgtMS0xLTcxNDc3NA_da262d9e-2284-4e05-8465-5a9c390fccee">54,718</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: lending for house purchase</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b4eb70192a64f6695904a70a4e0e584_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE1LTYtMS0xLTcxNDc3NA_fc1b2cd0-90de-47f4-9e5f-262cceda7174">95,249</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6e121c1da8c4398bc9045ffb60d4eb6_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE1LTctMS0xLTcxNDc3NA_9c8a445e-021e-412f-9588-07532c5757df">95,249</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ff8007ce0ae43f79b40578fbc10cd82_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE1LTgtMS0xLTcxNDc3NA_4ab98c8c-85d3-49e3-9b5c-a6d7fa8940ca">96,716</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By subordination</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: project finance loans</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6cb6a4a3eca74f2d9b0e65df0b171c33_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE3LTUtMS0xLTcxNDc3NA_a3d6dedc-9342-4e91-933d-f87d79450659">7,942</ix:nonFraction></span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7646a1fb5c5458c9e7971f25d61ab81_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE3LTctMS0xLTcxNDc3NA_65f6e698-7ad9-444b-9433-1916343399fb">7,942</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i266c9ffd70c54a14810af3ff2425e345_I20221231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZToxYzZhNmVjNjk1ODg0MjVlYmIxMDA0MzU2YWY5NDU5YS90YWJsZXJhbmdlOjFjNmE2ZWM2OTU4ODQyNWViYjEwMDQzNTZhZjk0NTlhXzE3LTgtMS0xLTcxNDc3NA_d282c9e0-0683-4068-82f2-f4777b67ea77">8,530</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:23.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.537%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2021 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">General governments</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Households</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">On demand and short notice</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i647ca6dde3244adba5b917cb833e426f_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzItMi0xLTEtNzE0Nzc0_d89c36cf-4623-44d3-9747-e58c7aa22909">6</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24c6bc37903c4f63ab07246993c26dc4_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzItNC0xLTEtNzE0Nzc0_5a6ee1c8-45de-4de5-b9d3-1205ec209eff">321</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e45e5bc05dc4a7ea748498d6d127225_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzItNi0xLTEtNzE0Nzc0_d226ac30-cc58-466a-862f-2d35a2e15281">495</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6c9c81339a44535b11c031cb6015bdd_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzItNy0xLTEtNzE0Nzc0_d6039e88-3c39-451d-93c1-46899b011bc8">3,161</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f2b74ca493e4577bb8336dca9159ae2_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzMtNC0xLTEtNzE0Nzc0_31a5ed51-1b2f-445b-89be-4fd186893482">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id54fcb31e4fb4cff8af19c566b46185b_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzMtNi0xLTEtNzE0Nzc0_74372a21-a8aa-4735-8b56-b8328fe69b15">12,523</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9dc0c56c418e443b9deef7e7809362c2_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzMtNy0xLTEtNzE0Nzc0_0245bd94-f512-4537-9c63-3adcf3ef05cf">14,030</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if251c8e8960f480c8897dc5a86cbadd7_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" 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name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzQtMi0xLTEtNzE0Nzc0_43181945-1db8-48d2-b064-538cd005748f">791</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e8e7caf546545259828ad7b6f369a4e_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzQtNC0xLTEtNzE0Nzc0_77870310-8053-4fb5-96b0-a00bcb382633">476</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i709424e2434b4a42a4da34b1c95f9533_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzQtNS0xLTEtNzE0Nzc0_50bf0839-a276-4897-84d7-873a0abe962e">18,191</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67871532cda34f63b274310351fce16a_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzQtNi0xLTEtNzE0Nzc0_a6f5fb63-685b-49ae-aa07-406d69a7f442">66</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e60f333d6654d99b74de59167db587e_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzQtNy0xLTEtNzE0Nzc0_f2f555cf-1d02-49bf-8dab-6e6ab5421481">19,524</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3989225d85f04fb29e0b8b77013e077d_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzQtOC0xLTEtNzE0Nzc0_c758487f-5e39-4935-888e-8ef1f6d58b47">19,766</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Finance leases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6dabdb581f344cb183a78160fb73474e_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtMi0xLTEtNzE0Nzc0_4ed2f327-a903-476d-9adc-11c2eb4e085d">191</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e6d89fcc49e45c1a7824bf1161e509a_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtMy0xLTEtNzE0Nzc0_94a8f019-d0b1-4162-ac78-9da5de8e982b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic97a7bed0cc34a79a439e2a88ce4d4ec_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtNC0xLTEtNzE0Nzc0_085d7488-0806-43f9-84d2-37f173b574ab">14</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4d20c154f2748f6ada981bf494283eb_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtNS0xLTEtNzE0Nzc0_f93e57ca-13a1-4a6f-931b-9fcb9f0c11b8">7,388</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5b6ffc17fff4a6ea819786670f9f3f0_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtNi0xLTEtNzE0Nzc0_b4f55cff-c9cc-4ccd-a2b4-765fbc0a567a">317</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b01c983c3314dbcac23659d276ed3c7_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtNy0xLTEtNzE0Nzc0_714082a2-a6b6-4e77-a7d7-ae84c4af915b">7,911</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92dd3b117ce7454eb7a0a2b4b45d60ad_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzUtOC0xLTEtNzE0Nzc0_d2ae47af-5386-4046-ad26-469fc23964b7">8,256</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reverse repurchase loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8310fd7c84904a2fba51d0cf2887a575_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtMS0xLTEtNzE0Nzc0_b4e3326f-a9b0-41b3-b224-4a3e00e1043f">1,192</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8acb2bf5d98a40dca46605670d362ffa_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtMi0xLTEtNzE0Nzc0_5991aeea-aaeb-4189-bba6-9f6366557043">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e2c2fcf33ab4774a4066d575145fa62_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtMy0xLTEtNzE0Nzc0_f134ed80-89f9-466b-ac7c-4578a2b367e2">2,788</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c2e6c8848d549ddae9cf9fdf3d36968_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtNC0xLTEtNzE0Nzc0_3de67dab-3dcf-47c4-9837-5ef1e903cfd1">23</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39e2f34b07c94b89bb0160bd69473949_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtNS0xLTEtNzE0Nzc0_4d36dd75-09d2-40dd-be51-e7cb0fb899f9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2d286f6090247a8ac6554d1436ea43c_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtNi0xLTEtNzE0Nzc0_d23e5a68-8a76-42b9-be61-6dced1ef06b8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34a78150ca5e4e749fbb1646bb5d7f2c_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtNy0xLTEtNzE0Nzc0_351ff9f1-b934-40ba-bff2-ab26b92caf6f">4,004</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49d5dbe0bf8147c0b16cb563d1606027_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzYtOC0xLTEtNzE0Nzc0_98133fca-85d5-40bd-bede-95f507c534a6">4,013</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other term loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i338d023907d047cd9463580671e80981_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctMS0xLTEtNzE0Nzc0_37ee6279-ddc7-452f-b75e-6a29aa2937c2">4,174</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e573e061c66425d905a0e7dd7e28452_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctMi0xLTEtNzE0Nzc0_c5ed59e9-700c-4902-86f1-0af61a3e9e31">18,440</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c06699d02554d69aaa9080e62e998bc_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctMy0xLTEtNzE0Nzc0_ed3c90d4-cf78-461b-92a2-4fccdfe6d7f3">4,004</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18cb6c8365a8486e974abb8875abe922_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctNC0xLTEtNzE0Nzc0_542646c9-2420-4897-9660-8da816e65a56">5,413</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33b4d13b209b484480f963a36ec38493_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctNS0xLTEtNzE0Nzc0_3c2fefd8-9bcf-435b-b9c8-4c432dd7b507">110,204</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1952120f88eb4a60be930dd8babcf2c9_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctNi0xLTEtNzE0Nzc0_6fd1c2f1-5b31-4103-ab88-10e707e1dcc7">134,505</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i594819702aba48128c808bc7205749b6_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctNy0xLTEtNzE0Nzc0_cfdb2919-7cc3-4382-a5e5-67b4e1300624">276,739</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i395120b1e0d1462aa0c0bbdec714a553_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzctOC0xLTEtNzE0Nzc0_038d1f6f-2f33-4bd9-b1e8-70f38d61c858">286,127</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Advances that are not loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bae1b13fd004619bc1507f9734256ed_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtMS0xLTEtNzE0Nzc0_f8d36251-1908-4e95-bb6f-60880ee0d06a">315</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88636eb2e5ce443e87f7003512a8ded5_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtMi0xLTEtNzE0Nzc0_56ff5b15-186b-4b7a-a55e-19882e742fc7">394</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibd62b1025497431aaff929a328135281_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtMy0xLTEtNzE0Nzc0_f8b8430c-82d6-4fa0-8673-4a7f849159a2">6,510</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i574052afe4bb4b9a85cf9c482af2c1e4_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtNC0xLTEtNzE0Nzc0_683ddda0-0d3d-40bd-b45f-347c6c698625">3,554</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27ce1149c7584f3290df94c71ad47a76_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtNS0xLTEtNzE0Nzc0_ac1eda91-4dcc-4dc5-b184-17c80b48b00e">1,805</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1521a82b0aa3480988d68f817203df8f_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtNi0xLTEtNzE0Nzc0_187547ee-1d66-4592-a52b-5f4b1ffd6e50">630</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i809f6a180c4541b3a5df41b81d7d3692_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtNy0xLTEtNzE0Nzc0_b4096fca-8d67-46e0-9f31-a4974d34b155">13,208</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6005d85f8d7c403b996df8f917abbcb3_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzgtOC0xLTEtNzE0Nzc0_da1f35bc-f87f-4118-ab51-d8e79a33a731">13,263</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">LOANS AND ADVANCES</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3798b31599c94829be03e36893fc8dc4_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktMS0xLTEtNzE0Nzc0_12965936-5a71-4955-a5e9-bda52f6337f2">5,681</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i342161344c5c42bbba842c71ede8acde_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktMi0xLTEtNzE0Nzc0_e74e1634-f743-4db9-bb0a-351d214ecd85">19,822</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b86d1df8e5949f599d48b57a36bd9a0_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktMy0xLTEtNzE0Nzc0_0b72845e-30cc-4f6f-b1e0-a20f809be511">13,303</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i265c1a58c0284d86a49ddd43d82d5236_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktNC0xLTEtNzE0Nzc0_67d36970-ce81-43d7-9cb9-aa861aa2d318">9,804</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iadab18171ad2452dba5e32440c8b05df_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktNS0xLTEtNzE0Nzc0_ee2e0edd-3698-433b-9dda-29b19bb4251f">141,431</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bdd4562e17640d2825cbc7821bdb5e9_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktNi0xLTEtNzE0Nzc0_5ef1ddb1-f1fa-4762-8f72-084430708ef1">148,536</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieba3490393da4d61935ea31d221b000b_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktNy0xLTEtNzE0Nzc0_7ab4c1ef-eb2e-4280-80ac-100cd1006efd">338,577</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06209647d3b44650837970acdf1ce0cd_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzktOC0xLTEtNzE0Nzc0_1438564e-82e9-485c-a552-6a388d8b26ea">349,719</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By secured loans</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: mortgage loans collateralized by immovable property</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i439b0b1235e449559c325a629d2dfe1f_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTItMS0xLTcxNDc3NA_7be58a23-6859-419e-8bcc-4ccf0f5e6bf2">324</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i895da54b925a48c4879a8dcc6cd97124_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTMtMS0xLTcxNDc3NA_6c5f0196-703e-4d62-b36c-99be7afba70b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7df801d7f9b844029c0a245f75a60873_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTQtMS0xLTcxNDc3NA_582a1eb3-a606-4a18-8a44-e19b8e1644e7">220</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47443fc8ed844377ba78082350e17107_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTUtMS0xLTcxNDc3NA_fb12ff77-0468-47e4-90dc-8e43b994fe24">21,531</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a3e98aef18649da8601cf24b0f6cfef_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTYtMS0xLTcxNDc3NA_e38a1ed6-4b28-4132-9e48-ed97064d82af">94,821</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i60ecd4724ed845858cbbc9eaa5d6a2c8_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTctMS0xLTcxNDc3NA_72d08b98-3dc8-41ca-a14d-8f44e4fd1628">116,897</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4358630260964d18a543d62ec5d61b62_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzExLTgtMS0xLTcxNDc3NA_5130b47b-659f-46ac-bb75-e46672002055">119,980</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: other collateralized loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91166c05464646368f2bbf0d903e6d97_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTEtMS0xLTcxNDc3NA_c5020d23-96a4-420a-bb54-6cb3cd5633de">1,180</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff4975e9d39d4d82843812ffb01977a9_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTItMS0xLTcxNDc3NA_9dac25c0-b26c-410b-8e72-8a34e09fe75f">1,413</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05f29e10fb534336ac52f051c1a3bbbb_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTMtMS0xLTcxNDc3NA_3b807a99-f512-4f72-b8f8-b0396d58feab">2,534</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63549593d5f44f72a94269672125fb20_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTQtMS0xLTcxNDc3NA_5585c63f-1c7b-466c-a6cd-50f316ff0eb8">390</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6061aae10124490cb50dcd36b3c61bb4_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTUtMS0xLTcxNDc3NA_864df8ee-a103-4ecc-85f4-36f1d791b9a8">3,512</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i387ada87b5b2485b86e2f9b151dda858_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTYtMS0xLTcxNDc3NA_c0006dbe-b5d1-4b4f-be6d-41c3bdf350e5">1,950</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76852873ad3b483a94b83608d5a9362b_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTctMS0xLTcxNDc3NA_c821f381-264b-4903-ab28-76012b75361f">10,979</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1610bc5305cb4643829df4071d93fb7d_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzEyLTgtMS0xLTcxNDc3NA_d3092681-c670-4c2d-993f-e00922a207cf">11,335</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By purpose of the loan</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: credit for consumption</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3881478a10ea474e94a731476fe2c551_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE0LTYtMS0xLTcxNDc3NA_104bf576-9756-4a65-96a2-0931046e5c02">42,294</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4bab66de6224a158910355b60111e02_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE0LTctMS0xLTcxNDc3NA_e12066d5-3efa-4ce4-8199-c73e8375a6a6">42,294</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3db00c7ba2f44b389fe5fc7279f79ad2_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE0LTgtMS0xLTcxNDc3NA_bc6ac994-e06f-40fe-8f24-155e6c42c1a3">45,236</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: lending for house purchase</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2dc7d2d0c5944c08b8db117ea3d0fd8b_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE1LTYtMS0xLTcxNDc3NA_62583aa4-7b53-42a8-9ef0-a52fd3406c39">95,209</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6a8e85f7937484cb316b13be8f5471f_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE1LTctMS0xLTcxNDc3NA_ad3b0294-5757-46ce-a4bf-2b6eb329066b">95,209</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabcbf3fa56af44449adda4f37a326809_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE1LTgtMS0xLTcxNDc3NA_2bb722e1-a32a-481c-988b-23ec53d47e52">96,612</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By subordination</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: project finance loans</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85ba1ded2a9b42c9b90e240ab5e203bd_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE3LTUtMS0xLTcxNDc3NA_b9e22ea0-c6fa-46cb-89bc-f6932fb3808e">8,863</ix:nonFraction></span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76659cd9d16a4f94b2db6b58fa3a1b8a_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE3LTctMS0xLTcxNDc3NA_b6469932-e89c-4061-b2a6-a638898cae91">8,863</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e69bb2af5214514b893d87d4a9a7159_I20211231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTo4Y2ZmNGY4Yjg3NzU0ZWM5Yjk5YjE3MWY3ZjZiZjFhMi90YWJsZXJhbmdlOjhjZmY0ZjhiODc3NTRlYzliOTliMTcxZjdmNmJmMWEyXzE3LTgtMS0xLTcxNDc3NA_601b7c5d-3e03-4957-b5b5-36540c93674c">9,423</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:23.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.537%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2020 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">General governments</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Households</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">On demand and short notice</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i243db23a45564abda3e4f2f7d7834106_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzItMi0xLTEtNzE0Nzc0_6bb8e148-df81-43fb-b853-27c612e7edde">7</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib33879077c5247f3b65fd6791dc9acb4_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzItMy0xLTEtNzE0Nzc0_d13f418e-13f2-4f47-a574-fe0bbfbc0063">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c6c844321424883b5d24fdbc9298cc1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzItNC0xLTEtNzE0Nzc0_a16f0170-8087-441e-959c-9294cb9b2718">502</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc3a56e5391f475e9c626b84df6665b6_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzItNS0xLTEtNzE0Nzc0_f67aed43-8534-4a4b-9665-e33e9de42edf">1,798</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifaee1632e6754f3b8883daed9fea4ac9_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzItNi0xLTEtNzE0Nzc0_fcbb781b-8085-41c6-acc9-431152c55c6d">528</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc0df663fa084de4b601215fb3cf25bb_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzItNy0xLTEtNzE0Nzc0_7430c87b-829d-4fc8-af15-04d4e5717465">2,835</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i84287873fc584f6dbf93cdd5125a115a_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzMtNC0xLTEtNzE0Nzc0_8406cab9-d6ad-443a-9e34-873aa917ab81">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5690547153e9459bb4f03181a7057419_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzMtNS0xLTEtNzE0Nzc0_dff8a731-8922-4bd6-b3e9-da247f4ea4a8">1,485</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9be4613ba9bf4f7c8c922160f9ed13f3_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzMtNi0xLTEtNzE0Nzc0_ae509ca4-46c5-40c9-929f-68220e924477">11,605</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1725e5cba7784573bc5713165e586bf8_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzMtNy0xLTEtNzE0Nzc0_1940395e-391a-4cdb-867d-c9b015524046">13,093</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6d7083e8d0304b59bf78f6f81236ec34_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzMtOC0xLTEtNzE0Nzc0_c233bd3e-e3c3-4eef-a5b8-f297c7f37b4a">14,220</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commercial debtors</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39c861e6c4e641f38d379acfee8b93d1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzQtMi0xLTEtNzE0Nzc0_358a9d5d-3363-4a26-86d2-9539d6d6b047">898</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17d14c8895194ab5810520de45b08668_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzQtNC0xLTEtNzE0Nzc0_fc36f716-92d5-47ad-8b04-94de67ab8c14">317</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3c7383034014ae9b2289dea72439d62_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzQtNS0xLTEtNzE0Nzc0_d581fb0d-b7f6-4ec9-b1d7-2ee458ec4a34">14,262</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d586848291f46bb91d87ed5b8b0a573_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzQtNi0xLTEtNzE0Nzc0_21a461a5-1ca9-443d-907b-b84858e2cb67">67</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1beb79406c1640b7b37108c5eed75e01_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzQtNy0xLTEtNzE0Nzc0_e27a7935-5c54-472b-a8a0-70fef10d8b14">15,544</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacb70df2a2854d108e893d2fd702cc8e_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzQtOC0xLTEtNzE0Nzc0_81c46c38-6700-470d-ae45-982c1490db4e">15,796</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Finance leases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i079237245c4f48efb4f9e12873deb119_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtMS0xLTEtNzE0Nzc0_d2405f03-b80d-42f0-a237-706d079e747d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f2232c9949549ebb52a2d6671971ce6_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtMi0xLTEtNzE0Nzc0_aad60249-b2ed-4ea9-b6af-01918b333832">197</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i864c33cd7ebf4a268854ac6065a6a299_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtMy0xLTEtNzE0Nzc0_495553cd-0e82-401d-9dc4-deb8c2ab399e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cea6039d7fe4d7b8bb8714ff538c311_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtNC0xLTEtNzE0Nzc0_d65111e9-2bb9-401e-9551-d39c9a937dfd">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73c4d1ec14ef429fb66f8c47f023e673_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtNS0xLTEtNzE0Nzc0_1dc436f8-d1ce-4ffc-92c6-6bd32548e95d">7,125</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie16076fd2e9a437eaf9cc0b0cdbfcae7_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtNi0xLTEtNzE0Nzc0_64417563-a402-4376-ab7a-537c667b2dd2">322</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59a3359300944045869043e0640902da_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtNy0xLTEtNzE0Nzc0_f2041eba-d887-4b25-b7ae-f7b7dc7c940c">7,650</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6338e7b880b437e9c8fa678ac2a799b_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzUtOC0xLTEtNzE0Nzc0_67194009-9b28-4c1a-acd4-4cd61d32a684">8,013</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reverse repurchase loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07101c82b488460d8135e3d0b1fc8d04_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtMS0xLTEtNzE0Nzc0_9335a145-6080-4ae5-bfac-82c91957bc06">472</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2db06543c354185b9d87a559924dcce_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtMi0xLTEtNzE0Nzc0_2d9ba086-ce0d-433e-baeb-35e1c062361d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ebbe1e4e43e4f35853f75d1ab304c20_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtMy0xLTEtNzE0Nzc0_44f2fd58-f0cf-4a78-82a6-8f4acd1f5cdc">1,914</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2904a97da9944c1eba415855397640bb_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtNC0xLTEtNzE0Nzc0_737e310b-657c-425f-af05-dccba5a92e93">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d9a2faa97454068a6ce2a1842cad765_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtNS0xLTEtNzE0Nzc0_139ec72f-4cbc-4ff9-8880-420fad31262a">71</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieff8998c42c4404facf51b74ccf99809_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtNi0xLTEtNzE0Nzc0_bf6623ad-0579-42e7-91ad-c8465e145073">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4cff308f1824566bc6e2cc0e18df5a2_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtNy0xLTEtNzE0Nzc0_5f5897c8-0c41-46d9-bdbc-7c9a820a757d">2,457</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbe72b715b1f46cbbe849ebe0de77346_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzYtOC0xLTEtNzE0Nzc0_d2c71d30-6cda-426c-90c0-3e257dfd29e4">2,463</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other term loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib96f5d070bf54fc580814ceb581fe5a6_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctMS0xLTEtNzE0Nzc0_f38b8f1a-6b1b-46e9-8d96-7ccae4c753b9">5,690</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5d360e4f32f4a448cdd2f29d35e5071_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctMi0xLTEtNzE0Nzc0_0c2e4f7b-6efe-486c-a7fc-f87f53f1a132">18,111</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85d4f1f700da488badb6b607631b8341_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctMy0xLTEtNzE0Nzc0_cdde6d59-7a6a-4c45-afe1-b6bf0407b05b">3,972</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85b01a10ebf5496c807fbd0aa6d834c2_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctNC0xLTEtNzE0Nzc0_491408e1-274d-46ea-bd82-ffe675e776fe">5,799</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52277f169fb94b78a05a45b085236835_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctNS0xLTEtNzE0Nzc0_b4bf3435-86ea-4212-8aaf-b419851a0df5">111,141</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddcc549794164ba5bfb49d807e84d9d5_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctNi0xLTEtNzE0Nzc0_9f5a416b-87f8-4a30-ad9a-40f8895af8be">132,603</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia09b62d4213247d397ac4df14d0aaf70_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctNy0xLTEtNzE0Nzc0_a1ccfbc8-c725-432c-a9fb-ed928dc9cac8">277,317</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7f3769c7064493d83941ae73a73dd65_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzctOC0xLTEtNzE0Nzc0_6ca3f0d1-3af0-42e8-ba3b-3d5d2a5992bc">287,467</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Advances that are not loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i14e1e27406814bc48be601186e89260b_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtMS0xLTEtNzE0Nzc0_7273b99e-b533-4868-bba8-f61000782ae0">48</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8dcb15f62f254b5cbd00efafd7324c67_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtMi0xLTEtNzE0Nzc0_e755f26c-d222-428b-ac56-fd24e99ed081">260</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4851366079d4119be101d64e1f1532f_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtMy0xLTEtNzE0Nzc0_8ba09bb1-3eef-4532-bdcd-aa1169af951e">8,721</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i762cf55ca3f54d47ad67b2b92717daa0_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtNC0xLTEtNzE0Nzc0_5aac1fa9-a89c-4765-b4c4-0ef05e322c12">3,191</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia612eb27b31b440e9c005af42623e6cb_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtNS0xLTEtNzE0Nzc0_77f29711-e9bf-4991-93d3-a7221037e34b">1,084</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c867f3670ad4f288a0b21c65f5801a5_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtNi0xLTEtNzE0Nzc0_7cada19a-ad57-42b0-bfc0-fb7fafe62d76">473</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6a83503bcc4423f81811eae1a7fa281_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtNy0xLTEtNzE0Nzc0_e50567bb-740a-41e9-9fda-2b1233661a9d">13,777</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i867e4262970b4b959ac49a5e5fef71dc_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzgtOC0xLTEtNzE0Nzc0_5bc3671b-cc12-4cbf-ba84-df8f1bf5aa8f">13,833</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">LOANS AND ADVANCES</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2673e5760cc84c0dbe33fcf8beaa724c_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktMS0xLTEtNzE0Nzc0_8c2e07db-0627-4819-8913-4d5b15eb52bc">6,209</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2325ac22cc4241829a7cbedfaa9c5272_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktMi0xLTEtNzE0Nzc0_2ba293c9-6a1b-4072-981c-a23b763fccd7">19,475</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i769508e4043a481a98809ef972c2e2ad_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktMy0xLTEtNzE0Nzc0_032ace01-bb9d-4e1a-9202-c5ff34f01151">14,608</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8dd9a161042649d9aba2410198d285cd_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktNC0xLTEtNzE0Nzc0_40766a34-4d4a-4389-bf5f-88ec4c3bb4de">9,817</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9330564fd4c24c5590c07e9b86935edf_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktNS0xLTEtNzE0Nzc0_75f51047-ca02-486e-a7ba-fb7c7d81fead">136,966</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bca835c00814ac6b9bd7327a540a683_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktNi0xLTEtNzE0Nzc0_4334c632-3a33-4681-89fb-4bd484a4dfc5">145,598</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4d261efc2814b8cb86cd16114d5bab4_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktNy0xLTEtNzE0Nzc0_dad5f932-d9e4-4518-9a9d-377fd027948c">332,672</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i972952c1532c4cac8254c326cce224ec_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzktOC0xLTEtNzE0Nzc0_1e8f4aca-1fb2-469c-8120-47affc438a5a">344,813</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By secured loans</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: mortgage loans collateralized by immovable property</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i064f0b06613d4380b588bbb541d69975_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTItMS0xLTcxNDc3NA_4e86af18-4463-4366-bca7-0b5609b51ecd">372</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0598ffaa9cdd4d19ae2bcfab171b35c8_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTMtMS0xLTcxNDc3NA_0b9c65e1-5381-4e7c-91d4-222a31a51eb6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i746e10c81ea44d14940cceb5187be120_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTQtMS0xLTcxNDc3NA_6ec25383-990c-46de-83ac-2b2f08814cb5">209</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i515e1a40153148d8ac11694ad0c83403_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTUtMS0xLTcxNDc3NA_091ad68f-31a9-4a4d-96ac-e5c3fe7b7708">22,091</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e87ab5cd00046d7a646c797623fd6f9_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTYtMS0xLTcxNDc3NA_9f447eb4-0d9b-4044-a5c7-07091b2e42a5">94,147</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5d8ce7a5ac74e148dc6e4e974878bbf_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTctMS0xLTcxNDc3NA_86ba7596-5510-418b-9f9a-adb4320418cd">116,819</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ae819898d88423c85e493bbf0b80ee5_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzExLTgtMS0xLTcxNDc3NA_c64a38b5-b100-47fd-840b-130f4b593f3d">120,194</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: other collateralized loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i287d48b48dd0467f9708c62ab88a51d7_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTEtMS0xLTcxNDc3NA_5123d316-4cd1-44a7-b56f-d4ca432a0df9">472</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d05ba5b6f504d36ae3a23d13a74382d_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTItMS0xLTcxNDc3NA_fcfc6c54-19a9-447e-9e83-270fcfcdf29c">952</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i266b6d9b388149ada3426bb7d6010d04_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTMtMS0xLTcxNDc3NA_82752abf-82c7-4afd-80f1-838ce401ec06">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f5cac8376894cc395fe996fdf905a6f_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTQtMS0xLTcxNDc3NA_a3bc630d-f9f4-4ecc-888c-a329c0b19aeb">317</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44769e295a7a46df91e428b0fb92be1e_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTUtMS0xLTcxNDc3NA_306316c5-064c-4849-a1c3-352dd5949079">3,763</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22e2554cdf594035bf09877977e6dd4d_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTYtMS0xLTcxNDc3NA_a8341b43-f2cc-4c7e-bfd6-f196c3991d48">2,059</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie22a34d92bb545eea81580a45cba2747_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTctMS0xLTcxNDc3NA_02ae2f48-b098-4d4b-95d9-fb1c563386d6">7,562</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife99fad276364de5945b998645b18660_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzEyLTgtMS0xLTcxNDc3NA_a7ddbbd3-ddc9-4890-b843-bbc470623c3c">7,776</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By purpose of the loan</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: credit for consumption</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib0fbe1e90d0c4929a7b66ddd1b933292_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE0LTYtMS0xLTcxNDc3NA_a2b2bf71-29c1-4ac5-b7c7-024a0b74eba2">39,799</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i600c7e7720624edda5dc57742e6417ee_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE0LTctMS0xLTcxNDc3NA_4fc5c822-ea51-4586-92ac-08fb93482c56">39,799</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i65171bd9f7a548189dcb7ea7d1055a13_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE0LTgtMS0xLTcxNDc3NA_36fb3f80-fb6d-4924-9d45-071971999081">43,037</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: lending for house purchase</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia54648c79ed842f98c9c0131b63105b1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE1LTYtMS0xLTcxNDc3NA_163c17c5-02c9-4b59-9d76-d05fff213290">94,098</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddbc7c89b958417f8eed6bab2bab6526_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE1LTctMS0xLTcxNDc3NA_ff6defc3-6cac-4501-a472-dc001807b3e4">94,098</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2d484844a2f4a3f8d35c0cd41839c80_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE1LTgtMS0xLTcxNDc3NA_6fe9af18-ba25-4f31-a9d7-c4f95d951001">95,751</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">By subordination</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: project finance loans</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifb3720864d534e7398341fcb09bff88a_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE3LTUtMS0xLTcxNDc3NA_836cfc36-1d25-4ad9-98e3-acf9d7fc6b75">10,721</ix:nonFraction></span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i723bb2e4524746318f25979e1a46d46c_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE3LTctMS0xLTcxNDc3NA_c474ea22-5333-4f74-8eeb-4daf8f86d689">10,721</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cc6e525dcea4a0c80c0694094d9109a_I20201231" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NjcvZnJhZzowZDNkYTA3NzM2MWE0YTI0ODQzMGQ1MWZjNTdiYzUxNS90YWJsZTphOTJkYmNjMDM0OTM0MjNhOTZiYTVjM2NmNDM2NzNjYy90YWJsZXJhbmdlOmE5MmRiY2MwMzQ5MzQyM2E5NmJhNWMzY2Y0MzY3M2NjXzE3LTgtMS0xLTcxNDc3NA_2ba11acd-acd1-4406-8905-b0c3588cf6eb">11,032</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-66</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_670"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.2.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="id0ce5cfb13fd4a7fa0352b45abb021b7" continuedAt="i733c148770a043f0bba65e4821a36381">Mitigation of credit risk, collateralized credit risk and other credit enhancements</ix:continuation></span></div><ix:continuation id="i733c148770a043f0bba65e4821a36381" continuedAt="i654e5e7e82ba4115b67204149677b9f4"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In certain cases, maximum credit risk exposure is reduced by collateral, credit enhancements and other actions which mitigate the Group&#8217;s exposure. The BBVA Group applies a credit risk hedging and mitigation policy deriving from a banking approach focused on relationship banking. The existence of guarantees could be a necessary but not sufficient instrument for accepting risks, as the assumption of risks by the Group requires prior evaluation of the debtor&#8217;s capacity for repayment, or that the debtor can generate sufficient resources to allow the amortization of the risk incurred under the agreed terms.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The policy of accepting risks is therefore organized into three different levels in the BBVA Group:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Analysis of the financial risk of the transaction, based on the debtor&#8217;s capacity for repayment or generation of funds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The constitution of guarantees that are adequate, or at any rate generally accepted, for the risk assumed, in any of the generally accepted forms: monetary, secured, personal or hedge guarantees; and finally</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Assessment of the repayment risk (asset liquidity) of the guarantees received.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This is carried out through a prudent risk policy that consists of the analysis of the financial risk, based on the capacity for reimbursement or generation of resources of the borrower, the analysis of the guarantee, assessing, among others, the efficiency, the robustness and the risk, the adequacy of the guarantee with the operation and other aspects such as the location, currency, concentration or the existence of limitations. Additionally, the necessary tasks for the constitution of guarantees must be carried out - in any of the generally accepted forms (collaterals, personal guarantees and financial hedge instruments) - appropriate to the risk assumed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The procedures for the management and valuation of collateral are set out in the corporate general policies (retail and wholesale), which establish the basic principles for credit risk management, including the management of collaterals assigned in transactions with customers. The criteria for the systematic, standardized and effective treatment of collateral in credit transaction procedures in BBVA Group&#8217;s wholesale and retail banking are included in the Specific Collateral Rules.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The methods used to value the collateral are in line with the best market practices and imply the use of appraisal of real-estate collateral, the market price in market securities, the trading price of shares in mutual funds, etc. All the collaterals received must be correctly assigned and entered in the corresponding register. They must also have the approval of the Group&#8217;s legal units.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The valuation of the collateral is taken into account in the calculation of the expected losses. The Group has developed internal models to estimate the realization value of the collaterals received, the time that elapses until then, the costs for their acquisition, maintenance and subsequent sale, from real observations based on its own experience. This modeling is part of the LGD estimation processes that are applied to the different segments, and is included within the annual review and validation procedures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following is a description of the main types of collateral for each financial instrument class:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Debt instruments held for trading: The guarantees or credit enhancements obtained directly from the issuer or counterparty are implicit in the clauses of the instrument (mainly guarantees of the issuer).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Derivatives and hedging derivatives: In derivatives, credit risk is minimized through contractual netting agreements, where positive- and negative-value derivatives with the same counterparty are offset for their net balance. There may likewise be other kinds of guarantees and collaterals, depending on counterparty solvency and the nature of the transaction (mainly collaterals).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The summary of the offsetting effect (via netting and collateral) for derivatives and securities operations as of December 31, 2022 is presented in Note 7.4.2.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Other financial assets designated at fair value through profit or loss and financial assets at fair value through other comprehensive income: The guarantees or credit enhancements obtained directly from the issuer or counterparty are inherent to the structure of the instrument (mainly personal guarantees).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, BBVA Group had no credit risk exposure of impaired financial assets at fair value through other comprehensive income (see Note 7.2.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial assets at amortized cost:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Loans and advances to credit institutions: These usually have the counterparty&#8217;s personal guarantee or pledged securities in the case of repos.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Loans and advances to customers: Most of these loans and advances are backed by personal guarantees extended by the customer. There may also be collateral to secure loans and advances to customers (such as mortgages, cash collaterals, pledged securities and other collateral), or to obtain other credit enhancements (bonds or insurances).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Debt securities: The guarantees or credit enhancements obtained directly from the issuer or counterparty are inherent to the structure of the instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial guarantees, other contingent risks and drawable by third parties: these have the counterparty&#8217;s personal guarantee or other types of collaterals.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-67</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i654e5e7e82ba4115b67204149677b9f4" continuedAt="i99b74e88f57a48b58aa2a9df01a0cbb9"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90ZXh0cmVnaW9uOjI3ZmQxOWQ4YjJlZDQyNTBiNjM2NDM1ZTBmNzg5NTIxXzEyOQ_8fe8357f-8206-4cbb-b9ea-7a0563307374" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The disclosure of impaired loans and advances at amortized cost covered by collateral (see Note 7.2.6), by type of collateral, as of December 31, 2022, 2021 and 2020, is the following: </span></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"><tr><td style="width:1.0%"></td><td style="width:22.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.596%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;border-bottom:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impaired loans and advances at amortized cost covered by collateral (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maximum exposure to credit risk</span></td><td colspan="15" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Of which secured by collateral</span></td></tr><tr style="height:21pt"><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Residential properties</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commercial properties</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Others</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3d5ff06bd764abfa0fb72dfed5d8a34_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzQtMS0xLTEtNzE0Nzc0_20d3961b-6e61-4850-9ee7-97203a8ec43c">13,493</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia0293f302e4c42e59373440594d3a000_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzQtMi0xLTEtNzE0Nzc0_3d2d05f5-bd8c-4ab1-acc7-293e678917c9">2,537</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i876c1836d3e644d2b81357b94a8101be_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzQtMy0xLTEtNzE0Nzc0_3a8d074d-e98c-4d16-a492-f1c58a686a49">849</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e9ccfa369f249b3bad291c017f2a667_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzQtNC0xLTEtNzE0Nzc0_6daa0f26-ce1b-459b-abac-9487d67017e1">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia63bb7f0388e4d8ba9d178ebb82e97f0_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzQtNS0xLTEtNzE0Nzc0_92d95aea-9c5b-490b-a371-5e5aff4d2381">52</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6d3a82527c1e4033bb2292677a0b354e_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzQtNi0xLTEtNzE0Nzc0_57c40e96-a139-4a4a-acc4-63c350b702f3">984</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7bf3ab29cee5442da78307282dfe241b_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzUtMS0xLTEtNzE0Nzc0_6a072673-484b-4a71-abbd-f5e2a3af0296">14,657</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea05fecea20a4238bef2726002dffdba_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzUtMi0xLTEtNzE0Nzc0_454b0a00-9dec-4569-b777-a26f37f826cd">2,875</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbfab74fd8a642d48dabc9e0ad989c48_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzUtMy0xLTEtNzE0Nzc0_5b01eb00-c51c-4075-9ea5-9fe25de54be6">1,068</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19a751ad3d054cc7ac8854779124e801_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzUtNC0xLTEtNzE0Nzc0_1f88b61b-3dd4-4855-8fdf-3d08c13c1a6d">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0d3bdd049184780a7f650a171ccc223_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzUtNS0xLTEtNzE0Nzc0_d1549aad-c48c-4024-92ad-8ccd1a68d78d">33</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if456aa6b590a453895b51bc05905991e_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzUtNi0xLTEtNzE0Nzc0_6f89836c-d096-4a26-a44d-32151c33ea77">886</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3fd3a21c44e54738a2f9d89c4617a4cc_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzYtMS0xLTEtNzE0Nzc0_928fc35d-a946-4f1e-a5b0-2459344f2baa">14,678</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49f1722d3ec6437da4a3ab150e76dbdd_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzYtMi0xLTEtNzE0Nzc0_c09e9d29-c1f6-4cb8-b1ac-3f578a528ff2">2,717</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c9a8926ccad4f63981f37672cfe7828_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzYtMy0xLTEtNzE0Nzc0_b1687719-863e-49b4-9e01-55d153cd656c">789</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i166ff67966324b77a88b031d61d8fa84_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzYtNC0xLTEtNzE0Nzc0_dc6cd16d-3367-43af-9f72-f4c5eb367b41">18</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i96bb977dcbb2448d9cb81c7657e010c0_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzYtNS0xLTEtNzE0Nzc0_a76d0531-9318-44e5-9d62-b0282ae5bc27">52</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i949e537d3fca49b78bd3cbe1a8c9de8b_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphODc2NmJhMWQ5YWI0ZjFhYTlmODNhMjA0MWViODMzNi90YWJsZXJhbmdlOmE4NzY2YmExZDlhYjRmMWFhOWY4M2EyMDQxZWI4MzM2XzYtNi0xLTEtNzE0Nzc0_c52f4f01-9bc5-46b7-b88c-86f558b03e7d">575</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:GuaranteesReceivedTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90ZXh0cmVnaW9uOjI3ZmQxOWQ4YjJlZDQyNTBiNjM2NDM1ZTBmNzg5NTIxXzEzMA_14083b98-7cb4-44a8-b1db-72150b313bc2" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The value of guarantees received as of December 31, 2022, 2021 and 2020, is the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:53.137%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.155%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Guarantees received (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Value of collateral</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b4a423662f246e1902411496b6fd493_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzItMS0xLTEtNzE0Nzc0_9c2af939-afe8-4ea1-9794-bd55569e2053">125,963</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i009edb03623b4285b4bc6593657d3455_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzItMi0xLTEtNzE0Nzc0_96c793d1-5187-4a97-a132-ac89c69bdce7">117,362</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd0800c72fc24532ab4022ff30954145_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzItMy0xLTEtNzE0Nzc0_0bed6b99-230e-465d-aa03-120e5f382683">116,900</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: guarantees normal risks under special monitoring</span></td><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19de710ac2824916b0c853267cc64999_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzMtMS0xLTEtNzE0Nzc0_bcb93769-e2a6-497a-b891-8895b6bb7718">12,826</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ae7e4ec66b3463f9ee6613d67a31e8f_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzMtMi0xLTEtNzE0Nzc0_4fd20efb-fb5f-4b1e-8ba6-883b862adbd3">11,768</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i786cf3d77cff4222a9a0a27be05bb46b_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzMtMy0xLTEtNzE0Nzc0_d621aa8d-f27d-40ed-8cb6-ce8b2597c8f8">11,296</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: guarantees non-performing risks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib773c996ec6c488493ab7b31257d3125_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzQtMS0xLTEtNzE0Nzc0_47fa48db-bbba-4712-b956-8992a37552be">3,440</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10f2a001108d4a6981fc384375527828_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzQtMi0xLTEtNzE0Nzc0_03fd53f1-2b1f-4a1c-a7c9-478d4b8672fa">3,981</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb00675a5aad4a8dbed79055327fe8f8_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzQtMy0xLTEtNzE0Nzc0_745a0719-1451-40cd-bf7a-74aad968a32a">3,577</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Value of other guarantees</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id80ac4131d774ab69a3cb378ac26c952_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzUtMS0xLTEtNzE0Nzc0_1f484acd-c413-41b7-ba1b-da8b5a96703e">40,050</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38a2ead04e354e378ccd82343acf5193_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzUtMi0xLTEtNzE0Nzc0_8f878a6c-e5f7-46e8-bfbc-9b2b62b316ca">48,680</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i251f629b60cf4068a8a2f45c051fa551_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzUtMy0xLTEtNzE0Nzc0_360454b5-0b80-40dc-a37d-7b3e943e9b78">47,012</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: guarantees normal risks under special monitoring</span></td><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cd3015326fd429d8199cd9e202db01c_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzYtMS0xLTEtNzE0Nzc0_94cf4c7d-4a32-4e05-bd50-65768e58e915">4,963</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccf238e165c043a08acd22edd2a65a08_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzYtMi0xLTEtNzE0Nzc0_53ee7f38-6dd4-4710-b7ce-9fd3c52ad464">7,404</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ede62dd9e6b484cbf67333ee0561998_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzYtMy0xLTEtNzE0Nzc0_772d640d-0afc-4eee-be02-7a974ab3d238">4,045</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: guarantees non-performing risks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31cca3da27b24c9a859c39c3e0d30c5b_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzctMS0xLTEtNzE0Nzc0_aa4d8862-d6de-404e-a22f-2f32aac0e18c">984</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7493a872c844a83bd7c767d3bebabcf_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzctMi0xLTEtNzE0Nzc0_18401d1b-fd3f-4340-abef-4af57cfe3d73">886</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5f5f403473246c2a250bb407fbf16b0_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzctMy0xLTEtNzE0Nzc0_8ecd9416-f608-461c-a7b2-456a1a5d6e47">575</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total value of guarantees received</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzgtMS0xLTEtNzE0Nzc0_52c0e759-5a9a-4b58-b69d-d6b84ee858f3">166,013</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzgtMi0xLTEtNzE0Nzc0_8353ceb1-7a9e-495b-a23e-99eb93be4c0a">166,042</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzAvZnJhZzoyN2ZkMTlkOGIyZWQ0MjUwYjYzNjQzNWUwZjc4OTUyMS90YWJsZTphZGZlNTU3ZDlhYjY0ZDRjYTc2Nzg4ZWE3NWFhYWFiZi90YWJsZXJhbmdlOmFkZmU1NTdkOWFiNjRkNGNhNzY3ODhlYTc1YWFhYWJmXzgtMy0xLTEtNzE0Nzc0_8efa00c9-21d3-4f91-af70-190ecb3367d2">163,912</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The maximum credit risk exposure of impaired financial guarantees and other commitments at December 31, 2022, 2021 and 2020 amounts to &#8364;1,147 million, &#8364;957 million and &#8364;1,032 million, respectively (see Note 7.2.2).</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_673"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.2.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i99b74e88f57a48b58aa2a9df01a0cbb9" continuedAt="i31953e1509ea420d9b56df1b9c3eb86d">Credit quality of financial assets that are neither past due nor impaired</ix:continuation></span></div><ix:continuation id="i31953e1509ea420d9b56df1b9c3eb86d" continuedAt="i1981d8031408446abc37ba8cbbeaeb88"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has tools that enable it to rank the credit quality of its transactions and customers based on an assessment and its correspondence with the probability of default (&#8220;PD&#8221;) scales. To analyze the performance of PD, the Group has a series of tracking tools and historical databases that collect the pertinent internally generated information. These tools can be grouped together into scoring and rating models.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Scoring</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Scoring is a decision-making model that contributes to both the arrangement and management of retail loans: consumer loans, mortgages, credit cards for individuals, etc. Scoring is the tool used to decide to originate a loan, what amount should be originated and what strategies can help establish the price, because it is an algorithm that sorts transactions by their credit quality. This algorithm enables the BBVA Group to assign a score to each transaction requested by a customer, on the basis of a series of objective characteristics that have statistically been shown to distinguish between the quality and risk of this type of transactions. The advantage of scoring lies in its simplicity and homogeneity: all that is needed is a series of objective data for each customer, and this data is analyzed automatically using an algorithm.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">There are three types of scoring, based on the information used and on its purpose:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Reactive scoring: measures the risk of a transaction requested by an individual using variables relating to the requested transaction and to the customer&#8217;s socio-economic data available at the time of the request. The new transaction is approved or rejected depending on the score.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Behavioral scoring: scores transactions for a given product in an outstanding risk portfolio of the entity, enabling the credit rating to be tracked and the customer&#8217;s needs to be anticipated. It uses transaction and customer variables available internally. Specifically, variables that refer to the behavior of both the product and the customer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Proactive scoring: gives a score at customer level using variables related to the individual&#8217;s general behavior with the entity, and to his/her payment behavior in all the contracted products. The purpose is to track the customer&#8217;s credit quality and it is used to pre-approve new transactions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Rating</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Rating tools, as opposed to scoring tools, focus on the rating of customers: companies, corporations, SMEs, general governments, etc. A rating tool is an instrument that, based on a detailed financial study, helps determine a customer&#8217;s ability to meet his/her financial obligations. The final rating is usually a combination of various factors: on one hand, quantitative factors, and on the other hand, qualitative factors. It is a middle road between an individual analysis and a statistical analysis.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-68</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i1981d8031408446abc37ba8cbbeaeb88" continuedAt="ifdb3bf2b532d41c590e764619324ba4a"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main difference between ratings and scorings is that the latter are used to assess retail products, while ratings use a wholesale banking customer approach. Moreover, scorings only include objective variables, while ratings add qualitative information. And although both are based on statistical studies, adding a business view, rating tools give more weight to the business criterion compared to scoring tools.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For portfolios where the number of defaults is low (sovereign risk, corporates, financial entities, etc.) the internal information is supplemented by &#8220;benchmarking&#8221; of the external rating agencies (Moody&#8217;s, Standard &amp; Poor&#8217;s and Fitch). To this end, each year the PDs compiled by the rating agencies at each level of risk rating are compared, and the measurements compiled by the various agencies are mapped against those of the BBVA master rating scale.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The probability of default of transactions or customers is calibrated with a long-term view, since its purpose is to measure the risk quality beyond its time of estimation, seeking to capture information representative of the behavior of the portfolios during a complete economic cycle (a long-term average probability of default). This probability is mapped to the master scale developed by the BBVA Group in order to facilitate a homogeneous classification of its different risk portfolios.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90ZXh0cmVnaW9uOjM1NzQ1NDk1YzFkNjQyMGM4YjY0YTVhY2FjZTdlYTlhXzY5_95f6c7e9-0ffa-48ab-88df-a77795d5aaa5" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below shows the abridged scale used to classify the BBVA Group&#8217;s outstanding risk as of December 31, 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.248%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.785%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.169%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.398%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Internal rating</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Probability of default</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(basis points)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reduced List (22 groups)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Minimum from &gt;=</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maximum </span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AAA</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i40098cdf48f1439c82668228cf1fe08f_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzItMi0xLTEtNzE0Nzc0_90d881ea-34b3-41e1-911f-43dffd46c993">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id28d256e5eeb46d0822e1dfa00ebf64b_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:fixed-zero" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzItNC0xLTEtNzE0Nzc0_caba233d-988e-4b28-84ac-2d28570afa2f">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AA+</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i74e5962c9db047f3925164942afadd1f_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzMtNC0xLTEtNzE0Nzc0_4c154354-b3e2-4e9d-b4ae-42fe7226018c">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AA</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib2f623ee240b444bb1b54d8fd0186721_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzQtMy0xLTEtNzE0Nzc0_30c6e00d-8ff6-4c4d-a48e-30dadb5dc05d">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if9ef82183534418ab9a136892465e2b8_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzUtNC0xLTEtNzE0Nzc0_cf46cda3-db03-4b9b-a2cd-771d13026903">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A+</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9b2bc166d8074ed7a11eb63c35bbd5f6_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzYtNC0xLTEtNzE0Nzc0_9f19ede2-d93c-48b8-9416-c835acb91cbe">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie64983b45bc648739f90cb52e2c3fa99_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzctMi0xLTEtNzE0Nzc0_b266cee2-e7ac-481e-a067-bca34eab8e4e">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2aa553fe484c49c6922ba270b799d224_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzctMy0xLTEtNzE0Nzc0_718208b2-4142-43d4-ac56-92efb083e94e">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i61b273feebed4bc988805b472e83ed39_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzctNC0xLTEtNzE0Nzc0_f2ab0c4a-c8c7-4326-a7ad-f65223cac60d">9</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A-</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6042d6adf3f840059e72b1ee9df161a1_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzgtMi0xLTEtNzE0Nzc0_aca224e6-8d6f-4ad2-ab69-7ec17f9b5765">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7fb9b8a2fe8f4e1d8204d10b87360297_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzgtMy0xLTEtNzE0Nzc0_f55c28f4-4064-417d-b0e6-f03d91d4771b">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3420e69d83304525a0eaa9f6d27d5117_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzgtNC0xLTEtNzE0Nzc0_c66760c2-a144-4d69-94a0-73c66a3299b6">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBB+</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3e3ccffda0a24cc782cf10ac01588e11_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzktMi0xLTEtNzE0Nzc0_b8f50cba-a007-4e4e-854a-2f9029c1b300">14</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i344ba1b6b23841918f05b8e26e1ef3b6_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzktMy0xLTEtNzE0Nzc0_7f8b37bc-e262-4e33-93cb-e4ee1c6e1e95">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i75a40d830dcc4c41a4ff45e14541a62f_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzktNC0xLTEtNzE0Nzc0_865283f6-2651-4e42-a372-e516b152d0ec">17</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBB</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5225e12248fb44b78a4dd2f05d5b1b23_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzEwLTItMS0xLTcxNDc3NA_39c0bfc9-454e-4360-b219-d432eaeccd52">20</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifb3b39d8dead4ea4ac9ec286f21d4500_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzEwLTMtMS0xLTcxNDc3NA_77d02fbf-3cd2-46b4-8a0d-cc09ecf11ea8">17</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6e1a534b3cf14186b3c42e66c5e87345_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzEwLTQtMS0xLTcxNDc3NA_f93c5752-d231-4017-8197-7882e9de213e">24</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBB-</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9d0860753c18473f817bb07190ec233d_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE2LTQtMS0xLTcxNDc3NA_5f5d2152-cd47-4399-abc5-d34ddfcd9021">581</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">B-</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5bfd271c925c4c55baf2b2bd300c3acd_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE3LTItMS0xLTcxNDc3NA_5ebcf887-ca68-428f-8298-721628467d4b">785</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia41d222c8b1042b6ab064f8d47a30cc3_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE3LTMtMS0xLTcxNDc3NA_9cdfd41d-73ec-4820-a533-96c5ffa877bb">581</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib4d566d02d6040aaac28a2cf02e21a3d_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE3LTQtMS0xLTcxNDc3NA_7b220b62-1920-46d7-85b6-9328f01c2b52">1,061</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CCC+</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic678ae1d50d24512979948b49b46d0ea_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE4LTItMS0xLTcxNDc3NA_c8790653-3af3-4597-a5c8-a0644fad024c">1,191</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i19fa2b9b055c42a58f5bade83040c95c_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE4LTMtMS0xLTcxNDc3NA_581f3ffe-a657-450f-9fae-1301dcea5dbc">1,061</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id579c3a2c4d04171a3e4a7254e00fb4c_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE4LTQtMS0xLTcxNDc3NA_c2c496b1-c8b7-4e6e-a75f-83e241b8f218">1,336</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CCC</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf008ca7e3e245b9b291f9751ca0dfd0_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE5LTItMS0xLTcxNDc3NA_10305814-0362-4aa3-8ec4-d849fe8224cb">1,500</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iccd6cc6259c6400fa69f540f08fd5ba1_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE5LTMtMS0xLTcxNDc3NA_43f8305c-ca80-4d29-a4bb-07739ccd25f8">1,336</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia1243ab1624249619e77fb7ded199a23_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzE5LTQtMS0xLTcxNDc3NA_8bac16ef-0a30-4d64-933f-db2806432b4c">1,684</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CCC-</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic0176da9712646ec9e63b0c240e130c7_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIwLTItMS0xLTcxNDc3NA_2d34d00f-1f0b-4509-9362-af78a9ca44ae">1,890</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib1334c62359b4ca7a0b010a983415a14_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIwLTMtMS0xLTcxNDc3NA_ab6e27bd-baef-4aa8-8027-605d9671cf6c">1,684</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia944558b45a644d3a6b5cc4f1b9789ec_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIwLTQtMS0xLTcxNDc3NA_01cc9795-9d99-43f9-9cf5-bafda2c5dce9">2,121</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CC+</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i719bb6fe1ca741c0be1c04648f6b1571_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIxLTItMS0xLTcxNDc3NA_aeb4e29e-b613-4a80-a3f6-588f5609cfad">2,381</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6bc302c572144f268c8b5a6c44f0f594_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIxLTMtMS0xLTcxNDc3NA_4246a898-7207-4fdc-a052-4ca0249da099">2,121</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i05f91ca2c21b4524a548ff9bf517ab66_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIxLTQtMS0xLTcxNDc3NA_e98accaf-7ce9-4d1c-b8a3-d776e1f6a11d">2,673</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CC</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1c4e4ec07afa42a9a77058fe1012c26c_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIyLTItMS0xLTcxNDc3NA_c7123bb5-80bf-4685-9a63-8522dff0ccb5">3,000</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i91141fb4740345848d365743338bc41d_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIyLTMtMS0xLTcxNDc3NA_e4ce59ef-bfa2-43ad-bdbe-6e2e974e7346">2,673</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i36a199321c0144f9b849f833a2fc3c88_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIyLTQtMS0xLTcxNDc3NA_8317c602-2dc6-4655-b0b1-4a74c2e17b5b">3,367</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CC-</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6f991cdfe9ec49ef81a554601a4ec473_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIzLTItMS0xLTcxNDc3NA_471ebed2-3420-4e29-804d-960fc55ff8fa">3,780</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib72297dc71e44fdf9ea95960e46d2a6b_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIzLTMtMS0xLTcxNDc3NA_b05245f3-08de-458d-a987-3e29f7c2e809">3,367</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iad0fe4db7d0e4739a572d93568efd455_D20220101-20221231" decimals="4" name="bbva:AbridgedScale" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo1MzY5M2VhZGIxNTI0Y2UzYTc5ZThiNjJmNzkxNTQwZi90YWJsZXJhbmdlOjUzNjkzZWFkYjE1MjRjZTNhNzllOGI2MmY3OTE1NDBmXzIzLTQtMS0xLTcxNDc3NA_8c3b701b-b85b-429d-b1ad-7f439af3742f">4,243</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These different levels and their probability of default were calculated by using as a reference the rating scales and default rates provided by the external agencies Standard &amp; Poor&#8217;s and Moody&#8217;s. These calculations establish the levels of probability of default for the BBVA Group&#8217;s Master Rating Scale. Although this scale is common to the entire Group, the calibrations (mapping scores to PD sections/Master Rating Scale levels) are carried out at tool level for each country in which the Group has tools available.</span></div><div style="margin-bottom:2pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90ZXh0cmVnaW9uOjM1NzQ1NDk1YzFkNjQyMGM4YjY0YTVhY2FjZTdlYTlhXzcw_835bbd6c-afab-4a32-a102-ae4d4b994d15" continuedAt="i9bd20dfb0b184c6a85bf0cc2a4e29dae" escape="true">The table below outlines the distribution of the gross carrying amount of loans and advances to customers, in percentage terms, of the BBVA Group, based on their probability of default within 12 months used in the calculation of the expected loss under IFRS 9, and their stages, as of December 31, 2022, 2021 and 2020:</ix:nonNumeric></span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-69</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ifdb3bf2b532d41c590e764619324ba4a" continuedAt="i3d240d0e7bdd4932b032591f7fd7c9f8"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><ix:continuation id="i9bd20dfb0b184c6a85bf0cc2a4e29dae"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.616%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Probability of default (basis points)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to 12 month ECL (stage 1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to lifetime ECL (stage 2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to 12 month ECL (stage 1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to lifetime ECL (stage 2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to 12 month ECL (stage 1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to lifetime ECL (stage 2)</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0 to 2</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ife32e08b6e6244eb80beb9933284d5b2_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzQtMS0xLTEtNzE0Nzc0_f40fdd1b-c2d4-4b15-bb3e-ebbef47551c3">5.1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id09a0ca5589c49bfa2e61d59e231564a_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzQtMi0xLTEtNzE0Nzc0_02e0fae7-8a37-43e2-b9af-4dab942c7118">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ieb86b5df5b6341739f91ac37cb8d4348_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzQtMy0xLTEtNzE0Nzc0_ba223534-c501-4058-9eee-0989ef626916">5.8</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4fdbbb177b504d6a9b1db3622ca07b4a_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzQtNC0xLTEtNzE0Nzc0_56166173-ee42-473a-aaed-dfa8f5e3096b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0891724144c647f58b7da7d30be7bad8_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzQtNS0xLTEtNzE0Nzc0_c769d7b8-531e-4939-8102-67e946c4d597">4.0</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifdbe305826b141719d01e34366300c0a_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzQtNi0xLTEtNzE0Nzc0_4c9c4846-be44-4fea-b1eb-b415569e7688">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 to 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44e66420ae8f41e1bbdffd7544a47704_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzUtMS0xLTEtNzE0Nzc0_66b07834-cec0-49bc-850a-4049893921f6">18.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia30c1496cb514e288fed6029753e74e6_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzUtMi0xLTEtNzE0Nzc0_90377687-9e7b-48ae-8daf-c725a3fec650">0.3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i49658a13bdc848f9b1dba7d1df449256_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzUtMy0xLTEtNzE0Nzc0_f868a59e-1a1c-4ad0-8743-056a8f79e690">15.7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3864400e95fc4a9d9367308642b65ed4_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzUtNC0xLTEtNzE0Nzc0_4d8bfdda-3583-4719-a3c6-11f75ee6ce93">0.1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5b4c56de60ea444391d043b90e08be0c_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzUtNS0xLTEtNzE0Nzc0_5f25086e-f6b8-400d-a80b-2d1fded1b02c">10.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i47dd3847c84c425e842d7e08da0e1d63_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzUtNi0xLTEtNzE0Nzc0_dc296c2b-5a72-4dbf-9abf-da86911d2ab4">0.1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 to 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0618192d8aa14420a3874f5279da8fd7_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzYtMS0xLTEtNzE0Nzc0_0ac3ea9d-0dc4-4ecf-b231-19360aca75b5">16.3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i30312831161d46eb88728f8c76af9cd0_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzYtMi0xLTEtNzE0Nzc0_b5742ad0-c2e1-45de-ba1b-da8e8d92c931">0.5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic324c7c5c66245db829aa89a10aeead9_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzYtMy0xLTEtNzE0Nzc0_fd1abbe2-0ba3-4c70-977a-9671d31b37b2">15.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9f78f4fe07f2417cb365980a56ddb001_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzYtNC0xLTEtNzE0Nzc0_683ebb14-9dc7-4e6e-8441-9dd40ea82644">0.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i787e236057194b29abd42cd330a7173a_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzYtNS0xLTEtNzE0Nzc0_9d12184b-7225-482b-8f4e-3bf3e308bc87">7.7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i417545f18ea14b56bb6dedf382f73234_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzYtNi0xLTEtNzE0Nzc0_54401324-ec31-4971-a2d8-f6dbfa552484">0.1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 to 39</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i65d3d43cfeb447a4b605d0ab98edc787_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzctMS0xLTEtNzE0Nzc0_f4c465f4-c48a-4b37-8232-1d01aebd60fd">18.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id8ab09a73d0d4a4a81991d9de2be928d_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzctMi0xLTEtNzE0Nzc0_ed3e3129-ace3-40ae-82db-458ffd2be679">0.8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7305526bf6bd476aaea1a2f2d15687ba_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzctMy0xLTEtNzE0Nzc0_95b34afb-9d21-4795-94b7-40691ffd968e">18.7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iec639209b5164c8fad6a52a57a9ba18b_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzctNC0xLTEtNzE0Nzc0_07596d05-a288-44cb-bbcb-3851853640f6">0.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf78647a63db4c9eb282cfe1b13ffb84_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzctNS0xLTEtNzE0Nzc0_5cf6fa9e-61cf-47b6-81a7-75b59d224cf6">26.8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic14b83bbd2e840258aaa41831d6f7e1c_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzctNi0xLTEtNzE0Nzc0_e2a50065-5061-4381-9612-a34991374612">0.5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39 to 194</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44a75fbd654f434085de6e030ec5583d_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzgtMS0xLTEtNzE0Nzc0_eaf844aa-8b4c-4270-8cf9-0ca3babdffe1">20.3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia2153bb579d24527923b90159e2a73c1_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzgtMi0xLTEtNzE0Nzc0_f4eae57a-136c-49a0-9d1a-5600630a15b6">2.3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i56fa1b48484a439587734f3a73b0969a_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzgtMy0xLTEtNzE0Nzc0_361340dd-40ef-432b-8b71-c3cbc920b8c2">19.1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic2e1fe59eb524f098b4b80909a185fcb_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzgtNC0xLTEtNzE0Nzc0_4df17a94-6da8-4136-9191-fdba697476bd">2.5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia238302831494fe895bec3024b48137a_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzgtNS0xLTEtNzE0Nzc0_adcd1b28-2a11-4c58-a6f4-9eb9d4772e92">24.0</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i97f9432598e249ffad7a844abbf26c1a_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzgtNi0xLTEtNzE0Nzc0_0897c72a-57db-4cad-98dd-5e1696b0c69d">2.3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">194 to 1,061</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e323730ccc64ca89f654d88ee5f9121_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzktMS0xLTEtNzE0Nzc0_d3ec368d-ee70-48ab-be21-e06f23848add">10.5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i93e81b37ec794876be561777f944445f_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzktMi0xLTEtNzE0Nzc0_7f5d34b0-83b4-471b-8744-067a27483f11">3.0</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idc419ec13ab34dd7a86ca8a90bc4294d_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzktMy0xLTEtNzE0Nzc0_922bc8fd-9ae4-4bcd-a99f-a10a70fce8ae">12.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ieda1bd1637d446fcbc3521616109db2d_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzktNC0xLTEtNzE0Nzc0_c704e224-13f7-49d3-8a66-08585cfddc29">3.8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1fbf37a0013a4108ac262326bc430284_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzktNS0xLTEtNzE0Nzc0_97610008-2f8f-4117-a520-a931c233a90d">15.1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie62dbeae53dd464a9e572cba2f5e8ccc_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzktNi0xLTEtNzE0Nzc0_00283d2a-27aa-49df-b3f3-55f8b0111d20">3.4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,061 to 2,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3be9940b21194c398f8a8378a2686b76_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEwLTEtMS0xLTcxNDc3NA_76ae3058-292c-4652-a280-3ae86585c2ae">1.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1fa8c114753a46cea8b2546d6932b16d_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEwLTItMS0xLTcxNDc3NA_69581f05-cbcd-491b-8543-a29b10a2f066">0.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic5a4224087df4198b80358b75db956b2_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEwLTMtMS0xLTcxNDc3NA_b5154019-d12f-4744-8ad6-226775e25c5b">1.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i39416254853443cd8c833022533397b5_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEwLTQtMS0xLTcxNDc3NA_684b0df7-a0f8-4698-89cb-aa2b3623da1d">1.5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i794740e48f3b41ed87f1f16691de38ad_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEwLTUtMS0xLTcxNDc3NA_3a823b13-a65e-4eae-83fe-9cabae1c6e66">1.5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i77c420411c4b4c258cec7e2ed9669671_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEwLTYtMS0xLTcxNDc3NA_18720127-9824-428c-a0b0-00f95a00c07a">1.2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&gt; 2,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie5ea71fe13904a3bb2ebe902329b9883_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzExLTEtMS0xLTcxNDc3NA_1af4ad05-6912-448c-9a85-b7f218493227">0.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i62550cfeed3a4f899bb106952f3825db_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzExLTItMS0xLTcxNDc3NA_1418a933-d024-43ef-bff0-b12d4a45e3af">1.1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i77fbd15c30c14fecbc112ce064e48054_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzExLTMtMS0xLTcxNDc3NA_21a3d417-6644-492b-84fe-6b0c396183fe">0.8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i221f88465a1f4f30bb80cbbe7b74077e_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzExLTQtMS0xLTcxNDc3NA_a717c52c-b9a4-4444-a658-78b38a2a0f59">1.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i12fed67c1316436b88884f27b37064bd_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzExLTUtMS0xLTcxNDc3NA_0880f2f3-e9e3-478d-9301-dabcfeb25f1a">0.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibdd94bc822874ef5af9893f76415bfd0_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzExLTYtMS0xLTcxNDc3NA_4ec4622e-9c63-4a5e-9f7e-41849fbfbe12">2.5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i06d40188195542c79c99b98048f3711f_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEyLTEtMS0xLTcxNDc3NA_7f04025e-3981-4f92-886b-3b29eae9ab58">91.0</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9065842524554752b941673d86ba0ecc_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEyLTItMS0xLTcxNDc3NA_aae775f3-f61f-49d0-9acd-eed0b34afcee">9.0</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i48c9da2f5074492496c7cb2726bf57c6_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEyLTMtMS0xLTcxNDc3NA_0b47b538-7dab-4646-a9ac-e487dbb455fd">89.4</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7fab98b979104b22b1448b720c03df76_D20210101-20211231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEyLTQtMS0xLTcxNDc3NA_da4045b4-d321-4304-8dbe-e4e14dea95dd">10.6</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id0ebbe767349492b853318b28658aaec_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEyLTUtMS0xLTcxNDc3NA_b7c3de13-2e7e-4bee-a320-7be827ce1463">89.9</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4aabd4d030ed44bb832a89cf2b667d27_D20200101-20201231" decimals="5" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTpkYjE2M2U1YzBmMmQ0ZTZlYjg3MTg2YjJhNmU0NDE2ZS90YWJsZXJhbmdlOmRiMTYzZTVjMGYyZDRlNmViODcxODZiMmE2ZTQ0MTZlXzEyLTYtMS0xLTcxNDc3NA_7af45418-4c2e-47ee-af52-59ba34edd8a8">10.1</ix:nonFraction></span></td></tr></table></ix:continuation></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90ZXh0cmVnaW9uOjM1NzQ1NDk1YzFkNjQyMGM4YjY0YTVhY2FjZTdlYTlhXzU3MTc0NjA0NjQ0NTM5_4e3b4bdd-2fdb-4d18-bec6-5438cb91bf6d" escape="true"><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below outlines the distribution of the BBVA Group by probability of default within 12 months used in the calculation of the expected loss under IFRS 9, and by stages of the gross carrying amount of contingent risk and commitments, in percentage terms, as of December 31, 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:51.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.784%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Probability of default (basis points)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to 12 month ECL</span></div><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#160;(stage 1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subject to lifetime ECL </span></div><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(stage 2)</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0 to 2</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ife32e08b6e6244eb80beb9933284d5b2_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzQtMS0xLTEtMTI3MDI3OA_def10f35-464a-417b-b88c-cefee35cefde">6.3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id09a0ca5589c49bfa2e61d59e231564a_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzQtMi0xLTEtMTI3MDI3OA_7f5b1cd9-0d72-4034-9a07-d7ef60a7bed9">0.2</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 to 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44e66420ae8f41e1bbdffd7544a47704_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzUtMS0xLTEtMTI3MDI3OA_fc74f4df-ce47-4a7f-9ca8-970f8f952e05">20.4</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia30c1496cb514e288fed6029753e74e6_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzUtMi0xLTEtMTI3MDI3OA_edbde797-b77d-49e3-93dc-2dc1e253d5b8">0.2</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 to 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0618192d8aa14420a3874f5279da8fd7_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzYtMS0xLTEtMTI3MDI3OA_4d56591b-fb9b-49c3-999b-24d8de568874">26.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i30312831161d46eb88728f8c76af9cd0_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzYtMi0xLTEtMTI3MDI3OA_1dffa76d-c0ba-433c-b26d-c05feb39b581">0.9</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 to 39</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i65d3d43cfeb447a4b605d0ab98edc787_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzctMS0xLTEtMTI3MDI3OA_376f1625-fcb4-4ed0-872c-bace1b80615c">19.8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id8ab09a73d0d4a4a81991d9de2be928d_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzctMi0xLTEtMTI3MDI3OA_37997012-1c66-40d4-9a40-dcde3c8b60d3">0.7</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39 to 194</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44a75fbd654f434085de6e030ec5583d_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzgtMS0xLTEtMTI3MDI3OA_7615bfa6-60ad-40e0-a45f-ca0481c49d59">14.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia2153bb579d24527923b90159e2a73c1_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzgtMi0xLTEtMTI3MDI3OA_ebede985-a4a1-4072-bb94-a8b331116ab0">1.1</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">194 to 1,061</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5e323730ccc64ca89f654d88ee5f9121_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzktMS0xLTEtMTI3MDI3OA_aaa3c538-0c49-4f47-b7f5-75f6c3455f9a">6.1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i93e81b37ec794876be561777f944445f_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzktMi0xLTEtMTI3MDI3OA_e9537968-61b0-4e2a-b1fa-76dce55b588b">1.5</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,061 to 2,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3be9940b21194c398f8a8378a2686b76_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzEwLTEtMS0xLTEyNzAyNzg_652935f6-3ed3-4f70-b4d3-4d5eeb2c3778">0.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1fa8c114753a46cea8b2546d6932b16d_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzEwLTItMS0xLTEyNzAyNzg_9b864590-b356-4d24-a4bd-5ee896f696b9">0.2</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&gt; 2,121</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie5ea71fe13904a3bb2ebe902329b9883_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzExLTEtMS0xLTEyNzAyNzg_6e45490f-6bec-42db-810b-d34690fe8033">0.2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i62550cfeed3a4f899bb106952f3825db_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzExLTItMS0xLTEyNzAyNzg_1957a1b9-03c4-4b43-976a-1cd60f486edf">0.4</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i06d40188195542c79c99b98048f3711f_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzEyLTEtMS0xLTEyNzAyNzg_2897e60b-f5de-4c13-8828-a32555fb4075">94.8</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9065842524554752b941673d86ba0ecc_D20220101-20221231" decimals="5" name="bbva:ProbabilityOfDefaultOfContingentRiskAndCommitments" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzMvZnJhZzozNTc0NTQ5NWMxZDY0MjBjOGI2NGE1YWNhY2U3ZWE5YS90YWJsZTo5YzlkMDcxMmU1MTM0ZmJkYTU0MDRhMjY4MDRkOTkzYi90YWJsZXJhbmdlOjljOWQwNzEyZTUxMzRmYmRhNTQwNGEyNjgwNGQ5OTNiXzEyLTItMS0xLTEyNzAyNzg_e01f4e32-a244-4345-a88e-e97aff534055">5.2</ix:nonFraction></span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-70</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_676"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.2.5</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i3d240d0e7bdd4932b032591f7fd7c9f8" continuedAt="id825e46cab2e4c88a18d3178b7d3b82d">Impaired loan risks</ix:continuation></span></div><ix:continuation id="id825e46cab2e4c88a18d3178b7d3b82d" continuedAt="i87364ce7db874067a3da7c05924651e2"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ImpairedSecuredLoansRisksTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90ZXh0cmVnaW9uOjIzYWQ1YTRiMWNmYjQ1NzY5YThmMDgxZjZmNmVmYTUwXzIwNDA_af24fd6b-c31f-4600-86a4-a795acca0739" continuedAt="i92058d7dbdbc4deaadc25817237d79c0" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of loans and advances within financial assets at amortized cost by counterparties, including their respective gross carrying amount, impaired amount and accumulated impairment as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:44.354%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.308%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impaired loans and advances</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Accumulated impairment </span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impaired loans and advances as a % of the total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Central banks</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" 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name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzYtMy0xLTEtNzE0Nzc0_707e24e5-dc8e-4320-a756-e8517ddfafc0">5,495</ix:nonFraction>)</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id6dfa8a164cb46cf9847413f4750820a_I20221231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzctMy0xLTEtNzE0Nzc0_9febdc7f-369e-4fbd-9325-76a6f2b742c3">151</ix:nonFraction>)</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia4cf29e3e86d4f478cf5e26c75951d3c_I20221231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzEyLTItMS0xLTcxNDc3NA_17124290-e4f2-4793-b4ce-d958b018e424">784</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85c3749dec054ac1831b99fbfe145f0d_I20221231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzE4LTItMS0xLTcxNDc3NA_971a8b50-65c8-4c12-96e0-8ed18944ea96">718</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3dab2a496e8c48749cbe826455083979_I20221231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzE5LTItMS0xLTcxNDc3NA_6194fe2c-abcd-4cf8-969f-5ac6118b42df">169</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie0edd14853a042d183c6f2a8b14a0162_I20221231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzIzLTItMS0xLTcxNDc3NA_39a6f94e-aa53-4101-bb48-39a1c055f40d">138</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2f0cf6b6447a459b92eb3f2db9c295d6_I20221231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo2YWZkOTUxNjY3Y2U0OTNmOWU1MWM0MTJiMDBhNzhmYS90YWJsZXJhbmdlOjZhZmQ5NTE2NjdjZTQ5M2Y5ZTUxYzQxMmIwMGE3OGZhXzI1LTItMS0xLTcxNDc3NA_affe1dcf-a44e-45ae-aa0e-3d7011a424c5">101</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i46837ae4c98b45ee8c49705992f71d6b_I20221231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-71</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:continuation id="i87364ce7db874067a3da7c05924651e2" continuedAt="i4452efaece5a4f9abb6a293ed804287d"><ix:continuation id="i92058d7dbdbc4deaadc25817237d79c0" continuedAt="i47463f8c1d5e4868ba3ae5f314e7e00d"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:44.354%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td 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name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzQtMy0xLTEtNzE0Nzc0_d7421be9-b950-4e99-b624-8a044e93735b">19</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i725e990ea7cc47b0a261bb00bd79dd7e_I20211231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzQtNC0xLTEtNzE0Nzc0_c8757289-9027-401c-b8db-14e1d3700729">&#8212;</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ac3743eb954494dbd9c776b0b69eb05_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzUtMS0xLTEtNzE0Nzc0_03cd768f-0a3e-4d15-aaf1-0bfe0cd8292c">9,826</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ac3743eb954494dbd9c776b0b69eb05_I20211231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzUtMi0xLTEtNzE0Nzc0_4d462d4c-55eb-4345-bfd4-41d9aea47986">24</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3ac3743eb954494dbd9c776b0b69eb05_I20211231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzUtMy0xLTEtNzE0Nzc0_0b7e88b4-ce1d-405b-99d0-c1b4222da126">23</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3ac3743eb954494dbd9c776b0b69eb05_I20211231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzUtNC0xLTEtNzE0Nzc0_c9179a5f-09e6-46e0-9a0f-526b88e956dd">0.2</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61702275d8e04cf5a097e8886ca6092e_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzYtMS0xLTEtNzE0Nzc0_551294c5-4251-49e1-80a1-75b044ccc50c">146,797</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61702275d8e04cf5a097e8886ca6092e_I20211231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzYtMi0xLTEtNzE0Nzc0_c7694064-8c0a-42ee-bcab-9527190bee47">7,290</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i61702275d8e04cf5a097e8886ca6092e_I20211231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzYtMy0xLTEtNzE0Nzc0_94bc705a-54b4-490d-894d-112e41066cd8">5,804</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i61702275d8e04cf5a097e8886ca6092e_I20211231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzYtNC0xLTEtNzE0Nzc0_7694053a-7160-4ee0-9e41-f077b81e8266">5.0</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba85f24dd20f4f7f91e512a82161f4cd_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzctMS0xLTEtNzE0Nzc0_6390cfb8-5761-40cb-be04-c7a9ae9d1649">4,077</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba85f24dd20f4f7f91e512a82161f4cd_I20211231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzctMi0xLTEtNzE0Nzc0_ebbfde97-7cbc-4237-ad86-96464c022dcb">125</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iba85f24dd20f4f7f91e512a82161f4cd_I20211231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzctMy0xLTEtNzE0Nzc0_a5212103-65fb-4d04-ab14-24ed54543248">154</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iba85f24dd20f4f7f91e512a82161f4cd_I20211231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzktMy0xLTEtNzE0Nzc0_ed4ed2a6-b3a1-42ed-bfcb-8c61d18cf34b">867</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic13affc70d374de7a9fd7b2a6fbb5904_I20211231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzEwLTItMS0xLTcxNDc3NA_a0d2458e-5b29-40c5-9233-bfaadf9bae45">570</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i131e1476d9cd4d249f05c638874a9513_I20211231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzE2LTItMS0xLTcxNDc3NA_22ce0964-a08f-46bb-bbf1-4ca16bb1f4a2">117</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic5450f943a644690adebb67ba30d5153_I20211231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTo1ZmM2MjBhZjZkNDI0NDM0OGJmN2NhNTQwNDI3NmJmMi90YWJsZXJhbmdlOjVmYzYyMGFmNmQ0MjQ0MzQ4YmY3Y2E1NDA0Mjc2YmYyXzI0LTMtMS0xLTcxNDc3NA_f4fa9190-ebfc-4a3b-904e-52bf35c7dbcc">95</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2b841329650e4a6e9448e38e41005704_I20211231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaa0eb7dd2d443b095a7a7ef8874c2f7_I20201231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzQtMi0xLTEtNzE0Nzc0_11c46315-6796-42ee-9cf7-389a5a6e4355">6</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieaa0eb7dd2d443b095a7a7ef8874c2f7_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzQtMy0xLTEtNzE0Nzc0_586599a2-5504-4b93-b48a-66a43ce7aeb9">16</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ieaa0eb7dd2d443b095a7a7ef8874c2f7_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzQtNC0xLTEtNzE0Nzc0_616b4032-7a54-47c8-bddb-6e6413f6afc3">&#8212;</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other financial corporations</span></td><td 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style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5b60a28fd0c4045a401d1a2ce480996_I20201231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzUtMi0xLTEtNzE0Nzc0_03fc5689-c385-40f8-b497-ae81ca5cd904">14</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id5b60a28fd0c4045a401d1a2ce480996_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzUtMy0xLTEtNzE0Nzc0_b1efda35-99aa-4e48-8ba5-5031cfb7b896">39</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id5b60a28fd0c4045a401d1a2ce480996_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzUtNC0xLTEtNzE0Nzc0_6b8e1a6c-1bea-4f6c-951f-87b1e9998c92">0.1</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i563ab6817e46422985ba9c25bf085787_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzYtMS0xLTEtNzE0Nzc0_982f24d9-2bd9-45de-a16e-75d60537d2ce">142,547</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzYtMy0xLTEtNzE0Nzc0_0f3102a7-09e0-4a89-9d0b-cc22ffd480a2">6,123</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i563ab6817e46422985ba9c25bf085787_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzYtNC0xLTEtNzE0Nzc0_79dbf126-4762-4331-bd0b-b05709795750">5.2</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td 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name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzctMy0xLTEtNzE0Nzc0_b222abc9-27b0-402f-b722-eb38b581c4d3">108</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i357f00d064a9405595db1e914dbce955_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzctNC0xLTEtNzE0Nzc0_58add268-e0b6-4691-b72b-78ebacceb9cf">3.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mining and quarrying</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae562e4d9c394d9dbeab6fb047f9f866_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzgtMS0xLTEtNzE0Nzc0_c7db7413-23c4-4df9-9e05-f2831cd9d28d">4,349</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae562e4d9c394d9dbeab6fb047f9f866_I20201231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzgtMi0xLTEtNzE0Nzc0_71a84370-5c83-453c-9f01-ef453f02b8f8">47</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iae562e4d9c394d9dbeab6fb047f9f866_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzgtMy0xLTEtNzE0Nzc0_e66a0876-d939-419e-b570-ce768f183ea2">59</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iae562e4d9c394d9dbeab6fb047f9f866_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzgtNC0xLTEtNzE0Nzc0_442810ef-57de-4cb6-960c-ecc0fc1bfbc8">1.1</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Manufacturing</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i265dd0e8a48e4190888a338c9ca7ca78_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzktMS0xLTEtNzE0Nzc0_6925f6cd-9309-4d4d-9a57-3a70e47bb42e">33,771</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i265dd0e8a48e4190888a338c9ca7ca78_I20201231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzktMy0xLTEtNzE0Nzc0_512dd2d4-dbd7-45bb-acd0-0d073d9a877e">1,129</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i265dd0e8a48e4190888a338c9ca7ca78_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzEwLTMtMS0xLTcxNDc3NA_8422d30a-8933-4fb6-80c7-88b15b4f67d2">509</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if6a8d8270976406b909510b921aeb337_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i888859b56aab4884be28f2e4f51171f7_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzExLTEtMS0xLTcxNDc3NA_b55ecfdb-311a-4509-844f-3f23effa38aa">899</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i888859b56aab4884be28f2e4f51171f7_I20201231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzExLTItMS0xLTcxNDc3NA_529d7503-f38b-48e9-8762-e489beaaa479">17</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i888859b56aab4884be28f2e4f51171f7_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzExLTQtMS0xLTcxNDc3NA_29472914-d68b-4625-9892-4461b1dab383">1.9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8ac9e51c6214b369657f14b96b3cf71_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzEyLTEtMS0xLTcxNDc3NA_d059aaf8-e972-478a-86a4-a03c0236eb12">10,019</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8ac9e51c6214b369657f14b96b3cf71_I20201231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzEyLTItMS0xLTcxNDc3NA_ae92606c-e460-4251-86f6-cb41468f6ea7">1,397</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id8ac9e51c6214b369657f14b96b3cf71_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzEyLTMtMS0xLTcxNDc3NA_998a28ec-bd11-4c75-a4c3-b50662c605fc">722</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id8ac9e51c6214b369657f14b96b3cf71_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzEyLTQtMS0xLTcxNDc3NA_467e5983-b64c-4dd5-b49a-331a881afc01">13.9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale and retail trade</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE0LTMtMS0xLTcxNDc3NA_b546f902-c10b-4423-a1ab-612d5be5e4a0">368</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id62ebc36c4724787ba00865c963d7d43_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE0LTQtMS0xLTcxNDc3NA_cfe08b51-136b-4eb0-80ac-29c5e10d8428">6.0</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accommodation and food service activities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE2LTMtMS0xLTcxNDc3NA_9616efb9-7973-42ff-8ccb-22ca5cb7e052">60</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i82d8a48c1657439cabffc0bd44d54c28_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2b6fdce6969474ba7e9260d0fe9b289_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE3LTEtMS0xLTcxNDc3NA_a2556cf6-da58-4399-bb40-45640badc270">5,298</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2b6fdce6969474ba7e9260d0fe9b289_I20201231" decimals="-6" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE4LTItMS0xLTcxNDc3NA_5d66ea51-0c1d-4fd1-bfdc-f5d2dc0cd6bf">617</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i21acb49da3a9432f8e317bafb8dad176_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE4LTMtMS0xLTcxNDc3NA_ff3542f9-a749-4bb9-aa91-b4a86d55569c">494</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i21acb49da3a9432f8e317bafb8dad176_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE5LTItMS0xLTcxNDc3NA_4c10d32a-89e5-48aa-9808-d181f9cad49f">177</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib8176b1e7c5544e5a54d9e2d34d529b3_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE5LTMtMS0xLTcxNDc3NA_32432850-4903-445f-b4ba-c88822624e78">124</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib8176b1e7c5544e5a54d9e2d34d529b3_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzE5LTQtMS0xLTcxNDc3NA_9acea433-7068-4e8c-ab8c-ff11aaaacd0d">6.1</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administrative and support service activities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64fa7a23047e4266a7acc44ab31ee24d_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzIwLTEtMS0xLTcxNDc3NA_ff2b6e06-3105-4713-ace2-aa8b28897cfc">3,955</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64fa7a23047e4266a7acc44ab31ee24d_I20201231" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzIwLTItMS0xLTcxNDc3NA_68c44374-7db3-4d98-9ea0-50334fa33f33">142</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i64fa7a23047e4266a7acc44ab31ee24d_I20201231" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzIwLTMtMS0xLTcxNDc3NA_c2525d01-bd41-4a73-81ea-5d21b7706ed9">192</ix:nonFraction>)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i64fa7a23047e4266a7acc44ab31ee24d_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idfeacfd9d6954d86b81997bc4c82facf_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI1LTEtMS0xLTcxNDc3NA_81fee29e-f885-4b6a-a84a-02c52f637255">3,871</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idfeacfd9d6954d86b81997bc4c82facf_I20201231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI1LTQtMS0xLTcxNDc3NA_e358dc5d-1cfd-4d40-b70f-fd7b23a39087">5.1</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Households</span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2dac72c161f846ccab7295b496fd6cba_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI2LTEtMS0xLTcxNDc3NA_707c660e-c9f4-47b9-a864-f7ac028c20fb">151,410</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2dac72c161f846ccab7295b496fd6cba_I20201231" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI2LTMtMS0xLTcxNDc3NA_3a5a69a3-98e0-4843-998b-12042478c1fa">5,895</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2dac72c161f846ccab7295b496fd6cba_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI2LTQtMS0xLTcxNDc3NA_2ab51502-7d6a-46a1-ab7a-f9eb621e7b7c">4.7</ix:nonFraction></span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:0.5pt solid #1873b9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LOANS AND 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contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI3LTMtMS0xLTcxNDc3NA_016637c1-bb3a-453d-b477-688a1b1f5db2">12,141</ix:nonFraction>)</span></td><td colspan="2" style="background-color:#5AC4C4;border-top:0.5pt solid #1873b9;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="3" name="bbva:PercentageOfImpairmentLossRecognisedForLoansAndAdvances" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmZDM3MjdiZjBhYzg0NjRiYmE4ZWEyODkwNmRjZTA5OC90YWJsZXJhbmdlOmZkMzcyN2JmMGFjODQ2NGJiYThlYTI4OTA2ZGNlMDk4XzI3LTQtMS0xLTcxNDc3NA_463f712a-26e5-4554-8693-3abd8e1f0fbd">4.3</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-top:0.5pt solid #1873b9;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr></table></ix:continuation></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90ZXh0cmVnaW9uOjIzYWQ1YTRiMWNmYjQ1NzY5YThmMDgxZjZmNmVmYTUwXzIwNDE_8509c640-3902-4eab-8a4f-0a80399a2f39" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes during the years 2022, 2021 and 2020 of impaired financial assets and guarantees given are as follows:</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.071%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.845%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in impaired financial assets and guarantees given (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzItMi0xLTEtNzE0Nzc0_65ab2d26-80e4-4489-a445-80d3c5dba385">15,467</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzItMy0xLTEtNzE0Nzc0_a7714adb-84ff-4594-a8a2-c0f1e24706c6">15,478</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzItNC0xLTEtNzE0Nzc0_9fa7bc22-09cd-42c6-aee9-2c6651100c31">16,770</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AdditionsOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzMtMi0xLTEtNzE0Nzc0_2a5484bd-66ad-449c-b011-90ecf3872e63">8,084</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AdditionsOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzMtMy0xLTEtNzE0Nzc0_2301aca8-27c1-482a-86e3-daa0c166c737">8,556</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AdditionsOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzMtNC0xLTEtNzE0Nzc0_8f17ba4c-0230-4983-bff2-7063323fc391">9,533</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decreases</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DecreaseOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzQtMi0xLTEtNzE0Nzc0_6edd2b14-6077-45e6-98b1-c6faf43637b2">5,742</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DecreaseOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzQtMy0xLTEtNzE0Nzc0_9e96194e-a344-435f-9819-6288733dd7ff">4,555</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreaseOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzQtNC0xLTEtNzE0Nzc0_98056564-7a7a-40ed-8d64-0f79b2884ea7">5,024</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzUtMi0xLTEtNzE0Nzc0_0990ecfd-a160-42dc-95f8-87292254288a">2,342</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzUtMy0xLTEtNzE0Nzc0_215623c8-d82e-4d4a-a0e2-2e719de943f9">4,001</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzUtNC0xLTEtNzE0Nzc0_47c0e1cd-e697-4066-a8d7-e15091641a35">4,509</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts written-off</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzYtMi0xLTEtNzE0Nzc0_c165c117-3027-474c-8af2-f16e4b20f25f">2,771</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzYtMy0xLTEtNzE0Nzc0_e7e69786-e5a4-403d-a71a-7a8af188d68a">3,613</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzYtNC0xLTEtNzE0Nzc0_ef8229e6-16a4-4b2c-a364-86795d147b9f">3,603</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzctMi0xLTEtNzE0Nzc0_96cfdda3-4864-4086-8352-6fce2651f095">517</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzctMy0xLTEtNzE0Nzc0_11b0cbda-030f-4e14-b41b-3631563b873e">399</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzctNC0xLTEtNzE0Nzc0_60e6c606-4d9e-42dd-98f3-cf53c33ab8e5">968</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzgtMi0xLTEtNzE0Nzc0_0cf42c70-b73b-48f0-a453-24a6f60b924c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzgtMy0xLTEtNzE0Nzc0_c8c207df-c799-4280-be57-c8ffd78027d6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzgtNC0xLTEtNzE0Nzc0_86b19f68-66cd-4061-9b2b-a1dde553ae41">1,230</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end </span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzktMi0xLTEtNzE0Nzc0_4c01d966-be50-4c19-9e5f-0e12533e2ba9">14,521</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzktMy0xLTEtNzE0Nzc0_bcd0f910-5fe5-4697-b9cc-8947516ba6f3">15,467</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpmYWIwNzY4N2RkOTQ0NWY1OWI0OGI3Mzg2YzYzODRjMS90YWJsZXJhbmdlOmZhYjA3Njg3ZGQ5NDQ1ZjU5YjQ4YjczODZjNjM4NGMxXzktNC0xLTEtNzE0Nzc0_2f4784e5-2103-4dc3-9e67-e06c5ca0744a">15,478</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90ZXh0cmVnaW9uOjIzYWQ1YTRiMWNmYjQ1NzY5YThmMDgxZjZmNmVmYTUwXzU3MTc0NjA0NjUzOTcw_f878070f-9b66-433d-9c30-d5629a09ce7e" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of monetary recoveries as well as mortgage foreclosures and real estate assets received in lieu of payment.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-73</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i0e601aa1d36f40a0b12d3751ad92e872" continuedAt="i2421ca06570c45f3b00d87d2eae891d3"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90ZXh0cmVnaW9uOjIzYWQ1YTRiMWNmYjQ1NzY5YThmMDgxZjZmNmVmYTUwXzIwNDM_5b55a92d-2827-4ea3-9a30-44594aa16408" escape="true"><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The changes during the years 2022, 2021 and 2020 in financial assets derecognized from the consolidated balance sheet as their recovery is considered unlikely ("write-offs"), is shown below:</span></div><div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.969%"><tr><td style="width:1.0%"></td><td style="width:44.001%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.609%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in impaired financial assets written-off from the balance sheet (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzItMi0xLTEtNzE0Nzc0_b4118bc8-ecda-411b-a250-6503202216bf">21,990</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzItMy0xLTEtNzE0Nzc0_1a6663e7-aa01-404b-8c73-9b67b1827d4e">22,001</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzItNC0xLTEtNzE0Nzc0_779b2c00-d1ab-4d53-ab8b-725fc820cc23">26,245</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies held for sale</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:CompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzMtMi0xLTEtNzE0Nzc0_ad904a5d-baf5-4c8b-a849-0678c87c4cde">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:CompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzMtMy0xLTEtNzE0Nzc0_f451d12e-595f-42fb-a8ae-e14538979e4e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:CompaniesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzMtNC0xLTEtNzE0Nzc0_0b2cd17e-6879-4ac4-98e6-db04b45dd914">4,646</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzQtMi0xLTEtNzE0Nzc0_d514d5f6-8182-4761-b3ad-b1ba5100dcf3">2,871</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzQtMy0xLTEtNzE0Nzc0_5d5bc53d-1993-4b5a-8586-c885f5b0fc42">3,709</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzQtNC0xLTEtNzE0Nzc0_709f2381-3a68-45a6-836a-a17dac809fca">3,440</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzUtMi0xLTEtNzE0Nzc0_c9c11b27-6142-4380-a8dc-39f05995c6f0">2,431</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzUtMy0xLTEtNzE0Nzc0_ab892db1-82c9-4a60-a5c2-1ccf1a782755">3,605</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzUtNC0xLTEtNzE0Nzc0_ff402040-84d3-4043-a32e-b83507196040">2,715</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Re-financing or restructuring</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ReFinancingOrRestructuring" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzYtMi0xLTEtNzE0Nzc0_86d2975f-5d92-4641-bb99-5555d428b2e7">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ReFinancingOrRestructuring" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzYtMy0xLTEtNzE0Nzc0_a870403f-2900-4272-9c24-5f3174bb7447">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ReFinancingOrRestructuring" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzYtNC0xLTEtNzE0Nzc0_4eede880-376b-41e3-b9b0-aa9217560da7">7</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Cash recovery</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzctMi0xLTEtNzE0Nzc0_e9668ef6-13e7-4aa3-9ca1-394d9747233e">390</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzctMy0xLTEtNzE0Nzc0_a6beea46-7a6a-47fb-9be1-063e93ea3f82">423</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzctNC0xLTEtNzE0Nzc0_3c104283-8102-4ad5-a0d6-71f25bba1215">339</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreclosed assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DecreaseForeclosedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzgtMi0xLTEtNzE0Nzc0_9468568c-2346-42fd-8fce-0b49263a0a81">25</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DecreaseForeclosedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzgtMy0xLTEtNzE0Nzc0_07fd921e-eff2-4420-aa07-b10c7cf662a0">17</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreaseForeclosedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzgtNC0xLTEtNzE0Nzc0_47b554f1-ccc4-44a6-92b7-43ed359a6a4d">479</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:4.5pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Sales </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DecreaseSales" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzktMi0xLTEtNzE0Nzc0_3857d11f-aeaf-4c21-a680-095ce73e500a">1,498</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DecreaseSales" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzktMy0xLTEtNzE0Nzc0_7a477a2e-3739-4008-b121-eeb658b1f3aa">2,437</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreaseSales" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzktNC0xLTEtNzE0Nzc0_ef683d7a-1276-4c2e-9429-f6399ce49ef2">1,223</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Debt forgiveness</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DecreaseDebtForgiveness" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEwLTItMS0xLTcxNDc3NA_0c34ae54-7cb0-4e87-8ef0-168216608deb">368</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DecreaseDebtForgiveness" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEwLTMtMS0xLTcxNDc3NA_a663687b-6095-46e3-b86a-9414df9900bf">599</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreaseDebtForgiveness" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEwLTQtMS0xLTcxNDc3NA_df895179-d55c-441d-b213-d9addf56c523">607</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Time-barred debt and other causes </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DecreaseTimeBarredDebtAndOtherCauses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzExLTItMS0xLTcxNDc3NA_1e934883-d21d-4c8b-bd8a-6b43e334ff53">147</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DecreaseTimeBarredDebtAndOtherCauses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzExLTMtMS0xLTcxNDc3NA_2f067dde-e7d0-4962-affd-9dfea675bc2a">129</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreaseTimeBarredDebtAndOtherCauses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzExLTQtMS0xLTcxNDc3NA_af4b796e-89ed-4c29-8d72-7bbcc56a2a2f">60</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NetExchangeDifferencesWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEyLTItMS0xLTcxNDc3NA_3cb04dbd-c1a8-4e4b-a9a6-ce2e306e9637">165</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetExchangeDifferencesWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEyLTMtMS0xLTcxNDc3NA_4b82b201-c328-48d0-ad0a-f75219d7c58d">116</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetExchangeDifferencesWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEyLTQtMS0xLTcxNDc3NA_c5043f30-88e0-404a-a07a-05589ce0ed2a">323</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEzLTItMS0xLTcxNDc3NA_ee810b97-1f95-43bb-a517-9cdaceff8f8a">22,595</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEzLTMtMS0xLTcxNDc3NA_09daeffa-c28b-4c7f-950e-4ac335f10cfb">21,990</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90YWJsZTpkNzNkM2MyNWQwNDM0NDY3ODI4YmJkYzE0OTY4ZTg3Mi90YWJsZXJhbmdlOmQ3M2QzYzI1ZDA0MzQ0Njc4MjhiYmRjMTQ5NjhlODcyXzEzLTQtMS0xLTcxNDc3NA_7df8eab4-91ee-465a-8d98-d0849057e9ae">22,001</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> <ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90ZXh0cmVnaW9uOjIzYWQ1YTRiMWNmYjQ1NzY5YThmMDgxZjZmNmVmYTUwXzU3MTc0NjA0NjUxNzM0_63354573-a2fc-4f38-9c57-f61b691fecff" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The balance of 2020 relates mainly to the Group companies included in the agreement for the sale of the U.S. business to PNC (see Notes 3 and 21).</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzYvZnJhZzoyM2FkNWE0YjFjZmI0NTc2OWE4ZjA4MWY2ZjZlZmE1MC90ZXh0cmVnaW9uOjIzYWQ1YTRiMWNmYjQ1NzY5YThmMDgxZjZmNmVmYTUwXzU3MTc0NjA0NjUxNzM1_c002bafd-0d37-4978-ae55-612814577b70" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Includes principal and interest.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As indicated in Note 2.2.1, although they have been derecognized from the consolidated balance sheet, the BBVA Group continues to attempt to collect on these written-off financial assets, until the rights to receive them are fully extinguished, either because it is a time-barred financial asset, the financial asset is forgiven, or other reason.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_679"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.2.6</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"><ix:continuation id="i2421ca06570c45f3b00d87d2eae891d3" continuedAt="i490cc10de528463ab5f6ff9283a4f3c5">Loss allowances</ix:continuation></span></div><ix:continuation id="i490cc10de528463ab5f6ff9283a4f3c5" continuedAt="i3a6f9abd66af43c6b7f292fa463540b1"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90ZXh0cmVnaW9uOjhmZTU3ODY5NTAxYjQyYWY5NzMwZTQ3MDA3YjBhMGMyXzI2Mw_1e70020c-3b89-4c25-ad1f-20f878cf5985" continuedAt="i628f9dbd084d4510908ffa3efdec844b" escape="true"><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements, measured over a 12-month period, in gross accounting balances and accumulated loss allowances during 2022, 2021 and 2020 are recorded on the consolidated balance sheet as of December 31, 2022, 2021 and 2020 in order to cover the estimated impairment or reversal of impairment on loans and advances measured at amortized cost. </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in gross accounting balances of loans and advances at amortized cost. Year 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61bf501c7cba4d3cb2c295928a1c2284_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzItMS0xLTEtNzE0Nzc0_94823f62-2f8b-4f67-bc74-98f57cc25a81">300,167</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i762a37fc7cca49eba0ac22ee596e0b0f_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzItMi0xLTEtNzE0Nzc0_087edfa2-836d-4468-b82f-60fab2b582c0">34,213</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i597bbbb689bf4ebe9358bee943271a3e_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzItMy0xLTEtNzE0Nzc0_a0bffe4a-f3ef-43d5-a4f2-dc092defcbe7">14,657</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c55ab66c8ea4bfeadddc713430b0364_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzItNC0xLTEtNzE0Nzc0_8b96d800-4cd4-4ffe-9a34-569318947375">349,037</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers of financial assets:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzMtMS0xLTEtNzE0Nzc0_8a3a4e57-ae55-42b9-896e-c12ec78549fe">5,041</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzMtMi0xLTEtNzE0Nzc0_6810e1af-2268-417c-afaa-d18a6e2d5396">3,914</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzMtMy0xLTEtNzE0Nzc0_1fd0b14d-5906-4928-9a16-c759db7ca7e6">1,128</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzMtNC0xLTEtNzE0Nzc0_af376129-1c68-4da7-94d7-3be032f7d8ae">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 1 to stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzQtMS0xLTEtNzE0Nzc0_cff12232-c880-4758-bf0d-adacf34111ce">12,726</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzQtMi0xLTEtNzE0Nzc0_814dce5d-131e-47ac-bcce-002ab0e47a93">12,726</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzQtMy0xLTEtNzE0Nzc0_7a056840-c97b-4e8c-aecb-8b83963a350e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzQtNC0xLTEtNzE0Nzc0_0dd3bc35-411e-4151-98e5-af6ec7c1e3b1">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 2 to stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzUtMS0xLTEtNzE0Nzc0_26de5e16-ad3e-4c38-bcd3-99e18f364a0c">8,537</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzUtMi0xLTEtNzE0Nzc0_2d6bbc30-f21c-4387-a73b-62bed21973e6">8,537</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzUtMy0xLTEtNzE0Nzc0_1958a1f5-79e4-4108-be54-0c4a64d0da51">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzUtNC0xLTEtNzE0Nzc0_72b1918e-5785-4a64-9758-ef1c13dc3312">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers to stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzYtMS0xLTEtNzE0Nzc0_104cd7f1-c611-4bfe-8150-6524f07168ae">1,941</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzYtMi0xLTEtNzE0Nzc0_ee192000-4397-496a-9c7c-8a85292dd717">1,831</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzYtMy0xLTEtNzE0Nzc0_19687487-0137-47a1-9e67-73d8faacfd1e">3,773</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:TransfersToStage3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzYtNC0xLTEtNzE0Nzc0_e0dbbf29-72fa-4adb-a786-068617abd2e5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzctMS0xLTEtNzE0Nzc0_fc16f2fe-237d-4a2d-888a-123e0db5197d">1,089</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzctMi0xLTEtNzE0Nzc0_4c6740fa-5a4c-4167-b884-6af73505ea41">1,556</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzctMy0xLTEtNzE0Nzc0_2d02d60d-e791-468f-afa6-f0c42e254de0">2,645</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzctNC0xLTEtNzE0Nzc0_b0ede28a-3c36-40b4-94c6-240268807d9b">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net annual origination of financial assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzgtMS0xLTEtNzE0Nzc0_42235ea9-6e8c-4959-a15f-61fe2790f7dd">44,465</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzgtMi0xLTEtNzE0Nzc0_241f3d64-b0c2-4bd7-9297-67cd62de427f">4,201</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzgtMy0xLTEtNzE0Nzc0_edf7a1c0-5635-4090-975a-7f722da0e000">258</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzgtNC0xLTEtNzE0Nzc0_d9ef87f2-549f-4f4e-8b1f-4b2d53acc79f">40,522</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Becoming&#160;write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzktMS0xLTEtNzE0Nzc0_0ccc001f-26ff-4e59-bd16-467635f0ed8f">63</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzktMi0xLTEtNzE0Nzc0_ac371ed3-1f17-4681-a01d-9f81bb0f7668">35</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzktMy0xLTEtNzE0Nzc0_793414a2-c119-4fdb-a7e0-f5d08958338b">2,432</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzktNC0xLTEtNzE0Nzc0_f676fce8-7a21-4339-aa6b-9587ce9b9c6f">2,530</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzExLTEtMS0xLTcxNDc3NA_4d40049a-5185-40f9-a46d-ba225c066160">2,447</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzExLTItMS0xLTcxNDc3NA_ccefde2a-2cbc-445b-a9bb-ae26c535d492">18</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzExLTMtMS0xLTcxNDc3NA_61237b14-1d22-446c-8c5a-95ab505a2a17">461</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzExLTQtMS0xLTcxNDc3NA_d63e241d-4b87-4825-bc9e-f29da7885f92">2,004</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Modifications that do not result in derecognition</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEyLTEtMS0xLTcxNDc3NA_a7887e8c-c33d-4917-aacd-29254bbb3781">2</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEyLTItMS0xLTcxNDc3NA_2d09fbe8-73c1-4fc3-bedb-d9a1347e3221">29</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEyLTMtMS0xLTcxNDc3NA_2e0da488-325b-433e-aeea-19a5e1b867d2">113</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEyLTQtMS0xLTcxNDc3NA_a65e143f-bdfb-4ec5-8a7f-7d2a6b8e097c">140</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d8f044d15bf49d894d091a8eaba9b37_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEzLTEtMS0xLTcxNDc3NA_6fa33c44-e3f6-495a-8471-8663ec0f11f7">643</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7f966daa1c24851a71cde7c1d293dd9_D20220101-20221231" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEzLTItMS0xLTcxNDc3NA_cadc68f7-7e2c-483e-8ca0-e6055914082a">301</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73aa5ba46428474a9d526b185d51c12c_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEzLTMtMS0xLTcxNDc3NA_48871987-2fc3-474e-9325-5c21c2f348a2">231</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i728ced120acd4f6a99f449bf6eb45763_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzEzLTQtMS0xLTcxNDc3NA_9f72fad7-5974-4a9f-b56a-ee4ac6df5923">573</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb7c0bd992624790aa931310ccd95794_I20221231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzE1LTEtMS0xLTcxNDc3NA_faec00d9-4ef8-4112-9ab2-69770b0f68b2">342,616</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ee16b4255a0468e8496086f8a3b21f3_I20221231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzE1LTItMS0xLTcxNDc3NA_a7a1cf5e-dd5e-4c91-b6e2-cb958f881333">33,636</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f6a62d254ed4efdbcde4eb7fe4db494_I20221231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzE1LTMtMS0xLTcxNDc3NA_9415d397-b0d8-4d1e-bfeb-10dcb2b1d9c0">13,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib792ba589717475eb736fe014d681b44_I20221231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTowMGI5NjEzMzM1Y2I0MWUwYmUwMjRhY2QzMzA1MjcyZS90YWJsZXJhbmdlOjAwYjk2MTMzMzVjYjQxZTBiZTAyNGFjZDMzMDUyNzJlXzE1LTQtMS0xLTcxNDc3NA_1c8f06d0-332c-4ad3-b7d6-720760c73e46">389,745</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-74</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i3a6f9abd66af43c6b7f292fa463540b1" continuedAt="iafa9893068c841c48308243fe4e38e7c"><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90ZXh0cmVnaW9uOjhmZTU3ODY5NTAxYjQyYWY5NzMwZTQ3MDA3YjBhMGMyXzI2NA_1fb15c7c-eb35-4308-aa77-adeb21e42406" continuedAt="i4e76da2ad33b48a68143c72ea2e0204b" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in allowances of loans and advances at amortized cost. Year 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e2897c88292476d8461961154c78cc7_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzItMS0xLTEtNzE0Nzc0_8f913af6-5c8c-4837-8942-b432e27507bd">1,990</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i19699ce68dd142ed8c0d575a70483515_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzItMi0xLTEtNzE0Nzc0_3bda2d7c-74a4-455b-98d1-0209b39f2338">2,091</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3875a778926840f194f69913311364fd_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzItMy0xLTEtNzE0Nzc0_5ce949be-cf2a-4b6a-843c-0c19263704cb">7,061</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i899aa9052ce34e6493f990979eec9ac0_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzItNC0xLTEtNzE0Nzc0_70735208-d744-4f90-a5a7-d9202233396b">11,142</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers of financial assets:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzMtMS0xLTEtNzE0Nzc0_1270b9af-21cf-4079-8dfb-efb9a3477f1c">63</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzMtMi0xLTEtNzE0Nzc0_2cade15a-e83a-415f-b00c-46a3d8875f69">33</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzMtMy0xLTEtNzE0Nzc0_6200d134-72be-49b8-be32-b4c6f74b55df">1,570</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzMtNC0xLTEtNzE0Nzc0_e6edf769-2e41-4dba-ab03-76bea0c840f7">1,473</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 1 to stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzQtMS0xLTEtNzE0Nzc0_9ca1ef19-6a43-4935-935f-4632e29d577c">110</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzQtMi0xLTEtNzE0Nzc0_ac5da79a-1125-4fca-8fdc-196a1f1a134b">397</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzQtMy0xLTEtNzE0Nzc0_7513f5dd-a0f2-4634-9889-d15e27fffcba">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzQtNC0xLTEtNzE0Nzc0_7a77e9c4-4f0d-40a8-a6ca-bfb4d1ff7b5e">287</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 2 to stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzUtMS0xLTEtNzE0Nzc0_d2f973f1-8aac-48b1-8cd3-8aac917097af">91</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzUtMi0xLTEtNzE0Nzc0_aff466cb-86ec-43f4-8260-f5edbcf9c685">374</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzUtMy0xLTEtNzE0Nzc0_72b2fa0a-e515-4034-a5c4-db335dc4f00b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzUtNC0xLTEtNzE0Nzc0_7bee7cc5-3558-4f8f-aa7a-4e684f73d219">283</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers to stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzYtMS0xLTEtNzE0Nzc0_74b0ff97-d535-4fd9-83f4-a62c293ce8d0">51</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzYtMi0xLTEtNzE0Nzc0_f3362250-0acd-41bc-a8db-75c1cbaa304e">204</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzYtMy0xLTEtNzE0Nzc0_72a1b1ad-22c9-4228-88b8-b9f647e624d8">1,917</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzYtNC0xLTEtNzE0Nzc0_63f033db-11cd-4484-8cd0-75b269ae787b">1,662</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzctMS0xLTEtNzE0Nzc0_7395ea40-b61a-4ca7-945f-34507c931fa9">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzctMi0xLTEtNzE0Nzc0_e581a7b3-15cf-4b06-b4c2-3723c26c1188">148</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzctMy0xLTEtNzE0Nzc0_ab0fa53d-d43e-4146-832c-9a3ceecb7ef9">347</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzctNC0xLTEtNzE0Nzc0_810f65d6-a199-4397-8887-2143bbdc4de0">193</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net annual origination of allowances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzgtMS0xLTEtNzE0Nzc0_d695f5cd-6cb0-4df0-84ee-4a26fda02616">406</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzgtMi0xLTEtNzE0Nzc0_a800d0e0-b898-409a-ab50-909eef0e41ce">273</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzgtMy0xLTEtNzE0Nzc0_a66b3f81-3777-41f0-9fc1-c4cf0bfe2eac">663</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzgtNC0xLTEtNzE0Nzc0_7e11965a-ec83-46dc-b76e-c60438555d39">1,342</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Becoming&#160;write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzktMS0xLTEtNzE0Nzc0_3ae8a2f2-1cfb-4177-ac69-6fd454fc4ed3">186</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzktMi0xLTEtNzE0Nzc0_2cc313d5-d23e-4a79-8796-27ade8cc1ede">30</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzktMy0xLTEtNzE0Nzc0_6033708e-3ace-41f2-9089-e8721e8f6ef5">1,890</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzktNC0xLTEtNzE0Nzc0_ce382df5-e2fc-4169-b51e-3748d8b25f90">2,106</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzExLTEtMS0xLTcxNDc3NA_8f492ded-9653-4140-b737-a0a919b42bfb">87</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzExLTItMS0xLTcxNDc3NA_4de70a51-1f03-43dd-beb0-4901ad610a7a">248</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzExLTMtMS0xLTcxNDc3NA_9318c55a-4cd4-4525-bced-1bcb1d1fc948">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzExLTQtMS0xLTcxNDc3NA_fb7b2b58-202d-47d0-a9c2-55655a8e6429">161</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Modifications that do not result in derecognition</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEyLTEtMS0xLTcxNDc3NA_8b8d6d99-95ca-432b-a711-fdae30bf55c2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEyLTItMS0xLTcxNDc3NA_33e3fff3-7a11-4f15-94e8-4f4d256250fa">48</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEyLTMtMS0xLTcxNDc3NA_c52d2bb3-40dc-48ce-a583-d5e7aa017ab3">160</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEyLTQtMS0xLTcxNDc3NA_8b5a5ec5-e2ee-466d-ac15-af0ee8fcc191">112</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9620b3ae19ac4daaba4211e18ec73f27_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEzLTEtMS0xLTcxNDc3NA_36daad1b-be51-4a4e-a5c6-ea7103cee05d">168</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic40fa67e70274e5d9302621408e4bf49_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEzLTItMS0xLTcxNDc3NA_0a598b4f-b1f8-4467-88bb-2a9eb65d50bf">64</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85dcfe9b13df408daefc65e7652daf8b_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEzLTMtMS0xLTcxNDc3NA_45a0a169-a5cd-46b3-b6f7-c14a9ffe0fde">279</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e3dcc5a49aa4376a169f1f3c1e36ea9_D20220101-20221231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzEzLTQtMS0xLTcxNDc3NA_70031a19-72bb-46dd-8b84-8bdaf5dcd4b4">511</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic18b5c10c6024e379550e227cf78fa6c_I20221231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzE1LTEtMS0xLTcxNDc3NA_0733c5b8-414c-4ce5-b9e8-166f601895a6">2,065</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6abf8b98a7914c6a882622cdc5e5c8cb_I20221231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzE1LTItMS0xLTcxNDc3NA_f9a2ce97-51bb-4c24-84ea-758a299abb8f">1,942</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib565558badf64b0c9316eaa5188e1401_I20221231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzE1LTMtMS0xLTcxNDc3NA_3f3e8353-e241-4ba3-86ca-410603ef1ff8">7,284</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9732acef8c79421f99a26f9709c9bfb1_I20221231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo0MTQ5MGI4MTVlMjk0YWEzOGQ4MmFiYzUyYTZhMTIzOS90YWJsZXJhbmdlOjQxNDkwYjgxNWUyOTRhYTM4ZDgyYWJjNTJhNmExMjM5XzE1LTQtMS0xLTcxNDc3NA_33db70c3-13b9-4eb4-a8e1-c78b098b5593">11,291</ix:nonFraction>)</span></td></tr></table></ix:nonNumeric></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the year ended December 31, 2022, the impairment charges recognized under the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification" amounted to &#8364;<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90ZXh0cmVnaW9uOjhmZTU3ODY5NTAxYjQyYWY5NzMwZTQ3MDA3YjBhMGMyXzMyOTg1MzQ4ODQ2ODc_f7333814-bcc6-457f-a63d-3ac62b9efa41">3,379</ix:nonFraction> million (&#8364;<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90ZXh0cmVnaW9uOjhmZTU3ODY5NTAxYjQyYWY5NzMwZTQ3MDA3YjBhMGMyXzMyOTg1MzQ4ODQ2OTM_8943137a-97d8-4ffc-a632-b6309c03a965">3,034</ix:nonFraction> million and &#8364;5,179 million for the years ended December 31, 2021 and 2020, respectively) (see Note 47). Additionally, as of December 31, 2021, the Group estimated that the update in the definition of credit impairment (default) (see Note 2.2.1) led to an increase of &#8364;1,262 million in impaired financial assets. In terms of allowances for impairment, the impact of this update was considered non-significant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, the macroeconomic environment has deteriorated, with a downward revision of growth expectations in an inflationary environment with a generalized increase in energy commodity prices and interest rates. This has resulted in an increase in allowances for impairment of financial assets with respect to the previous year, through additional adjustments in an environment of global growth throughout the year and through the adjustments reflected in the portfolios and sectors most vulnerable to this environment.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:continuation id="i628f9dbd084d4510908ffa3efdec844b" continuedAt="i012c069067d34bd38dbdb386494035b5"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in gross accounting balances of loans and advances at amortized cost. Year 2021 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb0ec340fb02484e801dcb2c6c27cecc_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzItMS0xLTEtNzE0Nzc0_324ddb18-1e50-4b25-8500-52d92632c9a4">298,793</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic13bcb578aa14c169b7240f72e3b2747_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzItMi0xLTEtNzE0Nzc0_3e558259-ef4c-4e98-9de7-21b957bf87c3">30,601</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib635c7b6faeb424f98d08cd5e7791b70_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzItMy0xLTEtNzE0Nzc0_9e3b6a45-15fb-4efc-94cf-05a4c916fdc1">14,678</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd523ad35e3a4ae793c9ce67299aa831_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzItNC0xLTEtNzE0Nzc0_a1785e2c-ad58-4822-a861-cbd9154cfbb3">344,072</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers of financial assets:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzMtMS0xLTEtNzE0Nzc0_4691f8ec-e4ed-45b0-985d-6c77ee037a2f">10,785</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzMtMi0xLTEtNzE0Nzc0_0bb37e50-08e0-44d0-820c-b8920c26f870">8,640</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzMtMy0xLTEtNzE0Nzc0_593c8a3a-5d1d-4258-a568-8603735274de">2,145</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzMtNC0xLTEtNzE0Nzc0_f217af67-a007-4e94-95aa-9f348d737318">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 1 to stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzQtMS0xLTEtNzE0Nzc0_c1bf7dc3-a715-40f1-97bb-ca1a52ce7706">14,482</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzQtMi0xLTEtNzE0Nzc0_25c85a61-8a3d-48c9-8c1e-c3e34b8ea106">14,482</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzQtMy0xLTEtNzE0Nzc0_cce5a7f6-ef7f-40c8-acdd-6d52151439d8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzQtNC0xLTEtNzE0Nzc0_e927e4dc-d743-4f37-8336-a47cf07294b0">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 2 to stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzUtMS0xLTEtNzE0Nzc0_77ee1620-51e1-44b4-857d-92278db1f503">4,905</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzUtMi0xLTEtNzE0Nzc0_c043f137-8736-4dee-b298-ea5d9b2bb7de">4,905</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzUtMy0xLTEtNzE0Nzc0_b2821c22-1348-40d7-b52e-6d38869ef095">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzUtNC0xLTEtNzE0Nzc0_70f6d371-446c-41d8-875d-ab798211ffc4">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers to stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzYtMS0xLTEtNzE0Nzc0_3a445bd2-80a2-4904-a607-56a5929ebfb4">1,772</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzYtMi0xLTEtNzE0Nzc0_ea16b37d-ba12-4a36-adaf-1806a021e047">1,945</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzYtMy0xLTEtNzE0Nzc0_f0525544-66f7-4f5c-8a71-b0e5a5589d4b">3,717</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="bbva:TransfersToStage3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzYtNC0xLTEtNzE0Nzc0_5114ea01-c37d-493b-873e-934c0f30d40d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzctMS0xLTEtNzE0Nzc0_11354b3e-f66e-43a8-845c-c65a2fbf99a9">564</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzctMi0xLTEtNzE0Nzc0_f8d92bb2-2c9a-44c6-87ac-3ca0f8a392c6">1,009</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzctMy0xLTEtNzE0Nzc0_17d42f93-0241-4617-bd7a-470bdbab9398">1,573</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzctNC0xLTEtNzE0Nzc0_2d34cde3-43c6-4c4c-bf13-84bc253e10af">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net annual origination of financial assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzgtMS0xLTEtNzE0Nzc0_29872f69-7bc3-465b-97de-af9acc54ca7c">17,876</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzgtMi0xLTEtNzE0Nzc0_a3d6e52b-253d-458e-afd2-6e051e808c15">4,729</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzgtMy0xLTEtNzE0Nzc0_fa26b444-38e7-417b-9c96-82a1ed979ba1">1,217</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzgtNC0xLTEtNzE0Nzc0_ea1364ce-b65a-4d40-af8f-dc610cc71922">14,364</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Becoming&#160;write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzktMS0xLTEtNzE0Nzc0_c737ab99-6ece-4e69-abdf-ca1501498f67">74</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzktMi0xLTEtNzE0Nzc0_d51b2685-2ef8-46fa-9800-f1fd7ec1027e">68</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzktMy0xLTEtNzE0Nzc0_55df1f9e-e928-4ad3-a0a4-7a3f2e6c2dd8">3,095</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzktNC0xLTEtNzE0Nzc0_4c322c54-15bb-473f-beee-b916a58501e9">3,237</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzExLTEtMS0xLTcxNDc3NA_aca52af8-78b4-4151-92c6-58f90df742d5">6,054</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzExLTItMS0xLTcxNDc3NA_2f7a4b90-9725-474a-9b35-a9c47182a838">1,902</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzExLTMtMS0xLTcxNDc3NA_5d0fc6e3-c991-4f3e-a809-42c37a61e61c">216</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzExLTQtMS0xLTcxNDc3NA_37d8daca-921c-45a7-aae9-e8b430bc9700">8,172</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Modifications that do not result in derecognition</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEyLTEtMS0xLTcxNDc3NA_933e93cf-6828-4743-afef-186926047340">187</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEyLTItMS0xLTcxNDc3NA_e8a825c3-d0e8-4eee-960d-bc75dd949546">1,642</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEyLTMtMS0xLTcxNDc3NA_6196cb68-ce62-45f8-99ef-161d32b03ea8">189</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEyLTQtMS0xLTcxNDc3NA_4c8e0553-a1c8-44ca-a340-5e2db1f8a0f1">2,018</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e38a3bb69f45c08e37494f4bdee68f_D20210101-20211231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEzLTEtMS0xLTcxNDc3NA_524dc47e-8b5d-47fa-87cc-97a734bfed63">224</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i461b0e7a065b449882e45ecdac7641e7_D20210101-20211231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEzLTItMS0xLTcxNDc3NA_d22f4584-0a72-44c8-85f5-c0725c89be9d">29</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id2a5a57634ef434bb9019f7171c5216b_D20210101-20211231" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEzLTMtMS0xLTcxNDc3NA_b9c138a6-7b69-4fe1-a903-12f0fb4bb0a8">261</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7c98e6ac3f8c46e996ed8daacd850b4b_D20210101-20211231" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzEzLTQtMS0xLTcxNDc3NA_d33d54aa-7aa0-4e42-bef5-7313e06e02ce">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61bf501c7cba4d3cb2c295928a1c2284_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzE1LTEtMS0xLTcxNDc3NA_e0ee20d6-9540-4177-af36-957358d08fd8">300,167</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i762a37fc7cca49eba0ac22ee596e0b0f_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzE1LTItMS0xLTcxNDc3NA_207e6700-c772-4e74-aed8-acba199d9413">34,213</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i597bbbb689bf4ebe9358bee943271a3e_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzE1LTMtMS0xLTcxNDc3NA_6a1329b4-420f-4ef8-85dc-a0a8b1befc7c">14,657</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c55ab66c8ea4bfeadddc713430b0364_I20211231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo4ZTE3NjU1ZjkyYzQ0MmJhOWNlM2FmZjZhYTFjMzZkNS90YWJsZXJhbmdlOjhlMTc2NTVmOTJjNDQyYmE5Y2UzYWZmNmFhMWMzNmQ1XzE1LTQtMS0xLTcxNDc3NA_907fc32e-c279-411b-b011-9c38c25d3494">349,037</ix:nonFraction></span></td></tr></table></ix:continuation></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:continuation id="i4e76da2ad33b48a68143c72ea2e0204b"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in allowances of loans and advances at amortized cost. Year 2021 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ice0bd5f3dc17429d93e132e9450eff0d_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzItMS0xLTEtNzE0Nzc0_fa0337fb-0680-43a0-b618-0e2a535820a5">2,037</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6d8726efc0484499ab6ecdf1f180fb7e_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzItMi0xLTEtNzE0Nzc0_ec24436f-2e2c-496f-af89-9de3150b428f">2,289</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i23d5111e552944aab9201583c889f5ce_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzItMy0xLTEtNzE0Nzc0_821763de-2a20-4217-acb2-930a17ba9229">7,815</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2dbc2e1bf0964c3e9fc7145bf0cc7e57_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzItNC0xLTEtNzE0Nzc0_dd240a0d-9d12-4623-9a6d-9626d8e6377d">12,141</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers of financial assets:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzMtMS0xLTEtNzE0Nzc0_aa074e72-7310-4be5-8f11-ff7382013eaf">187</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzMtMi0xLTEtNzE0Nzc0_6ac187f5-9f8c-477c-9c6d-a65936eae0e7">441</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzMtMy0xLTEtNzE0Nzc0_19d770bb-c14f-43fd-a2b2-60c33d486818">2,521</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzMtNC0xLTEtNzE0Nzc0_bf1388f8-8c3b-4128-a860-ed637c96cadf">1,893</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 1 to stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzQtMS0xLTEtNzE0Nzc0_1db2ee88-3eb1-4a13-af4a-725a1f48276f">139</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzQtMi0xLTEtNzE0Nzc0_cf4feba6-54c8-4e48-8679-7e33800724cb">602</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzQtMy0xLTEtNzE0Nzc0_2e6a7342-59fa-4c91-a2fd-c1f9a06429bd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzQtNC0xLTEtNzE0Nzc0_0387bcae-d0a0-48c4-b719-af0b6cffcde8">463</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 2 to stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzUtMS0xLTEtNzE0Nzc0_1c75d302-a507-47e5-beb8-700a6c0ffdc3">60</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzUtMi0xLTEtNzE0Nzc0_6e86f5ce-b4f5-4ef8-a55b-91b5ebdfcbc5">307</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzUtMy0xLTEtNzE0Nzc0_300d0622-dd04-4b27-b135-5468250ce0d2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzUtNC0xLTEtNzE0Nzc0_66f804e1-0977-4356-af43-077670ca642a">247</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers to stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzYtMS0xLTEtNzE0Nzc0_f370f81d-f161-4b67-9a37-241b6d74d6e0">111</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzYtMi0xLTEtNzE0Nzc0_a67310ce-42dc-44ee-8ace-b46738cb8134">802</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzYtMy0xLTEtNzE0Nzc0_eb6c9f47-7002-46e8-a6be-9839ef2dee3f">2,775</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzYtNC0xLTEtNzE0Nzc0_ebd6c885-f2ea-4191-a4ed-8cdaa72d0cad">1,862</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzctMS0xLTEtNzE0Nzc0_58dd1d6c-820d-4e7b-b514-2fe9e5f4a55e">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzctMi0xLTEtNzE0Nzc0_ff268349-92ce-4f40-85f2-c7da6334d5ce">66</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzctMy0xLTEtNzE0Nzc0_f266bc45-7986-4725-8531-086ed385ad2c">254</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzctNC0xLTEtNzE0Nzc0_67ee185a-523d-45a2-bc9b-282e128893da">185</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net annual origination of allowances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzgtMS0xLTEtNzE0Nzc0_132c9100-abb8-40c2-af1f-6859c5f76fd5">563</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzgtMi0xLTEtNzE0Nzc0_84e58f5e-ac5c-46b7-9746-ce424833e0b3">57</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzgtMy0xLTEtNzE0Nzc0_c993ff7a-df5b-4fb8-8836-aeb75393084d">314</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzgtNC0xLTEtNzE0Nzc0_0d6675b4-51ea-439b-a613-2d248daf6185">933</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Becoming&#160;write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzktMS0xLTEtNzE0Nzc0_f4e4667d-b4c9-4d69-9a11-19cf52b94692">45</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzktMi0xLTEtNzE0Nzc0_2884a6bb-9352-440d-9970-2603afca52ea">56</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzktMy0xLTEtNzE0Nzc0_c1da31fa-5785-42a5-8172-08853171d7f4">2,694</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzktNC0xLTEtNzE0Nzc0_2015455e-452f-425b-9ef3-35340334b329">2,795</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzExLTEtMS0xLTcxNDc3NA_e7005c24-c235-4110-a029-4ac433769f41">70</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzExLTItMS0xLTcxNDc3NA_c935e016-daea-46ef-9765-a6bf2b739bbb">270</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzExLTMtMS0xLTcxNDc3NA_062fe37e-0cbf-455e-8c5a-5022de258c7b">719</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzExLTQtMS0xLTcxNDc3NA_0fd9881a-6f85-4104-a3c2-dc73ce397a7c">519</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Modifications that do not result in derecognition</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEyLTEtMS0xLTcxNDc3NA_1edc1648-0b3c-4512-9972-f71b9e737886">12</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEyLTItMS0xLTcxNDc3NA_0551a440-40de-4542-8d5d-e0181f0a1db3">79</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEyLTMtMS0xLTcxNDc3NA_bcfec739-2b68-485d-a313-7278a7c9512f">122</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEyLTQtMS0xLTcxNDc3NA_cf392072-7ca9-44c8-a65e-ddef0740f635">189</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f02995740da41449be2b715a9ca905b_D20210101-20211231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEzLTEtMS0xLTcxNDc3NA_a310a1aa-e18f-4029-800d-3bebe1071af3">297</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0cb858cc11a4359a8e1d618c8544a61_D20210101-20211231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEzLTItMS0xLTcxNDc3NA_87a5ea1c-c087-4460-999a-1b0438630e3d">106</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38d5ac98dfd44a7aa5dd1ad183fde3c6_D20210101-20211231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEzLTMtMS0xLTcxNDc3NA_a789076a-5d71-46a1-b5c2-f03c15f903a8">298</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34eecf1d72684b949dc637a4e316148f_D20210101-20211231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzEzLTQtMS0xLTcxNDc3NA_bc6c4b62-e987-417e-952f-6d72320ac9be">701</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e2897c88292476d8461961154c78cc7_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzE1LTEtMS0xLTcxNDc3NA_cd2855c6-c6f9-46b1-bde7-642fb464f5b5">1,990</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i19699ce68dd142ed8c0d575a70483515_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzE1LTItMS0xLTcxNDc3NA_f62513cf-8d62-4d35-b8df-cc395a939238">2,091</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3875a778926840f194f69913311364fd_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzE1LTMtMS0xLTcxNDc3NA_7169ea01-0fd6-4815-bf16-9b72b4d72e6b">7,061</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i899aa9052ce34e6493f990979eec9ac0_I20211231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTpiYTdjOTc1YTljZTg0ZTNkODk1ZmE2NmI0M2FkNTA1ZS90YWJsZXJhbmdlOmJhN2M5NzVhOWNlODRlM2Q4OTVmYTY2YjQzYWQ1MDVlXzE1LTQtMS0xLTcxNDc3NA_a2da5701-5668-4ed6-9c3b-48a4250fec50">11,142</ix:nonFraction>)</span></td></tr></table></ix:continuation></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-75</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iafa9893068c841c48308243fe4e38e7c" continuedAt="i40a2dbb0c0804eda9fee8980a68faa2c"><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:continuation id="i012c069067d34bd38dbdb386494035b5"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;Changes in gross accounting balances of loans and advances at amortized cost. Year 2020 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d03a68748f646e1b99e1004d441c8c3_I20191231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzItMS0xLTEtNzE0Nzc0_4b691251-6322-4a10-ba0c-a556d9980466">363,234</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib13d58fac8b84b5b9d83a81ef6af917b_I20191231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzItMi0xLTEtNzE0Nzc0_961a80c3-4045-4086-b045-17c6d152f2c5">33,518</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic93412b63f414400a15e89393f992f5b_I20191231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzItMy0xLTEtNzE0Nzc0_ac7685cf-656d-497d-b72c-fb05244cae0f">15,959</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5a7f2c56dac438e842d2ff516070e65_I20191231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzItNC0xLTEtNzE0Nzc0_a8e5f2c8-befa-4469-8c6a-b474464e2189">412,711</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers of financial assets:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzMtMS0xLTEtNzE0Nzc0_32cc1b18-eb51-46e2-be09-2730ddc93098">11,935</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzMtMi0xLTEtNzE0Nzc0_5ddc7f2a-9484-4c6a-9ea0-8cd3bc5755e7">8,807</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzMtMy0xLTEtNzE0Nzc0_c9f90c0d-99ed-4441-a54f-0b5b6961244c">3,128</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzMtNC0xLTEtNzE0Nzc0_858c5cb1-ea54-495d-af83-29a30f6308cb">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 1 to stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzQtMS0xLTEtNzE0Nzc0_0b95ba00-142a-4d5d-9054-d2c88fcbc400">15,843</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzQtMi0xLTEtNzE0Nzc0_ee7c8301-adf8-48be-902f-0c9362cab673">15,843</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzQtMy0xLTEtNzE0Nzc0_96b4779c-b0ca-4f53-a245-e92e63152113">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzQtNC0xLTEtNzE0Nzc0_818c14d7-4034-4664-b16d-53730a8ad890">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 2 to stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzUtMS0xLTEtNzE0Nzc0_44d52fc1-8cb8-4187-a44c-108be817dc44">5,107</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzUtMi0xLTEtNzE0Nzc0_defc49cd-f3ff-4bff-b9d8-5b246a3b00cf">5,107</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzUtMy0xLTEtNzE0Nzc0_28704b02-74ba-43d1-bca3-0d1ad300f985">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzUtNC0xLTEtNzE0Nzc0_d74bdf76-d8ac-4146-bbe7-05eeccfc8e13">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers to stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzYtMS0xLTEtNzE0Nzc0_fb49d300-037c-45f4-a867-033a67b1ad4e">1,701</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzYtMi0xLTEtNzE0Nzc0_e21cc924-c260-43b1-84b4-ee7aadfda6a7">2,659</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzYtMy0xLTEtNzE0Nzc0_6cf28784-50d8-43f9-b991-d747cc31e76c">4,359</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="bbva:TransfersToStage3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzYtNC0xLTEtNzE0Nzc0_a4417e48-8757-4f18-9fe4-76b6adee136c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzctMS0xLTEtNzE0Nzc0_c4cb3609-9aa0-456a-ad54-bafafdf61db7">502</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzctMi0xLTEtNzE0Nzc0_4d7c1205-cb53-4a5e-a688-848c937dbe95">729</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzctMy0xLTEtNzE0Nzc0_c99a505a-6aab-44fe-9a23-b29db5b7d7cd">1,231</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzctNC0xLTEtNzE0Nzc0_005aed29-c301-47b0-b38b-856ef544b68d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net annual origination of financial assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzgtMS0xLTEtNzE0Nzc0_8efb3242-64af-4e09-b1f5-c9ebbb244fab">16,119</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzgtMi0xLTEtNzE0Nzc0_e1d2ff9d-17d3-4514-8baa-af52eb229d87">827</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzgtMy0xLTEtNzE0Nzc0_feffba81-f8ff-41f2-b156-e3dd0ccf0fbf">102</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzgtNC0xLTEtNzE0Nzc0_eb04509a-42d7-410c-9e94-67809c738873">15,395</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Becoming&#160;write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzktMS0xLTEtNzE0Nzc0_354dd532-1665-4f91-a94b-47369a80b99c">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzktMi0xLTEtNzE0Nzc0_3162dcef-95a6-4ca1-bcdd-c2d3d77ecd74">2</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzktMy0xLTEtNzE0Nzc0_ca82222f-7e2c-42b4-b575-ef0eefe62054">2,944</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzktNC0xLTEtNzE0Nzc0_8daa410d-4581-4d42-b34b-1214d5c36ad5">2,949</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzExLTEtMS0xLTcxNDc3NA_f120f07d-9c6d-4822-8045-d05161a19f99">21,472</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzExLTItMS0xLTcxNDc3NA_9135f1d7-02ac-4b49-b577-fbd4a94d9710">2,342</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzExLTMtMS0xLTcxNDc3NA_5ec7fc74-6f26-4b5d-bc5b-aa43fa53b9bf">1,157</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzExLTQtMS0xLTcxNDc3NA_fde1a117-5e47-4519-9c65-4d18456cc2de">24,970</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Modifications that do not result in derecognition</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEyLTEtMS0xLTcxNDc3NA_8e7981ff-e3dd-43e7-99aa-41604c02fadf">204</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEyLTItMS0xLTcxNDc3NA_32309bd8-797a-4d37-adc4-8efec167525f">827</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEyLTMtMS0xLTcxNDc3NA_7571269b-bfdd-45f4-88e5-eb989daefe07">511</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEyLTQtMS0xLTcxNDc3NA_f3ea2a7d-78ee-4027-a3cc-518df9f44b5d">1,134</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEzLTEtMS0xLTcxNDc3NA_674eae32-e584-48a0-a91d-5b007100612a">283</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEzLTItMS0xLTcxNDc3NA_13014dd1-c323-4220-987a-c6242bf4ab3e">190</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEzLTMtMS0xLTcxNDc3NA_36d009d1-2870-4687-b057-47d3805879cd">270</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzEzLTQtMS0xLTcxNDc3NA_d96aae2f-942a-4968-bc12-8657e539389b">204</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08210df167f14bf3af9890c0bf9d3385_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTEtMS0xLTEyMTU3ODY_e6547408-1010-4ee3-b2cf-eb1b8bf2e0cc">46,664</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i875f3c9f3eea4722bcc5780de17eb977_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTItMS0xLTEyMTU3ODY_ae104cd9-12ba-48d0-879d-85eb9db0fa2b">9,190</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2bd46efca1734c1992782f4317c3805d_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTMtMS0xLTEyMTU3ODY_2e645b7c-e342-440e-8e8d-e49b2ebbd78b">1,192</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i75c21c4f2cd94e86a175ae7462d8e9a8_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTQtMS0xLTEyMTU3ODY_c0f82865-9e30-4af8-9571-c965dd35f5d8">57,045</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb0ec340fb02484e801dcb2c6c27cecc_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTEtMS0xLTcxNDc3NA_3fc374ec-dbd6-4322-be62-14bd87b9ad35">298,793</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic13bcb578aa14c169b7240f72e3b2747_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTItMS0xLTcxNDc3NA_65ecfae3-4f40-4bcf-b5d3-805d72d3f631">30,601</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib635c7b6faeb424f98d08cd5e7791b70_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTMtMS0xLTcxNDc3NA_83e4ca7c-69a6-4986-8509-d02a3c55707f">14,678</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd523ad35e3a4ae793c9ce67299aa831_I20201231" decimals="-6" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTphODViZWQ3NDQ3MzA0ZmNmYmE1NTQ4NGJmNjk2ZmE3Yi90YWJsZXJhbmdlOmE4NWJlZDc0NDczMDRmY2ZiYTU1NDg0YmY2OTZmYTdiXzE0LTQtMS0xLTcxNDc3NA_d41b32c4-622b-411f-89ad-0341a479f062">344,072</ix:nonFraction></span></td></tr></table></ix:continuation></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><ix:nonNumeric contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" name="bbva:ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90ZXh0cmVnaW9uOjhmZTU3ODY5NTAxYjQyYWY5NzMwZTQ3MDA3YjBhMGMyXzU3NzI0MzYwNDU4ODYx_54b1d434-8e4a-4c45-b2c6-96f533b99d75" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in allowances of loans and advances at amortized cost. Year 2020 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iee72cad3667d40b8bce0ba1cc2cfbaea_I20191231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzItMS0xLTEtMTIxMjMxNQ_2bec0277-7dee-4590-be3c-2b8957282f62">2,149</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08be01aad91f4ff185d22f99ee995ced_I20191231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzItMi0xLTEtMTIxMjMxNQ_aaf43417-0f6b-4288-ab6a-9c5076ba79f8">2,183</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6de428c99f174a2e9eabf30fb71a15b4_I20191231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzItMy0xLTEtMTIxMjMxNQ_a101facc-7a79-4f47-8868-2b66113bac68">8,094</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4c249ebf581a40cca4fd72cd51bbbc99_I20191231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzItNC0xLTEtMTIxMjMxNQ_25058905-1eac-43cc-ba3f-0f5fe5a01a3a">12,427</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers of financial assets:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzMtMS0xLTEtMTIxMjMxNQ_fe04fde1-410a-44e7-b106-2df1ba858ac3">184</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzMtMi0xLTEtMTIxMjMxNQ_653779ef-6d83-4572-a9c2-bcd3f6787ea8">511</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzMtMy0xLTEtMTIxMjMxNQ_2a9ea36a-7b41-4076-ae2d-267858cafae3">1,806</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzMtNC0xLTEtMTIxMjMxNQ_78df6371-1653-4752-92d7-6568a79344ad">2,133</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 1 to stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzQtMS0xLTEtMTIxMjMxNQ_d56810b1-faeb-4898-93ba-9b4610cbcd25">156</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzQtMi0xLTEtMTIxMjMxNQ_08c8788d-0a7d-43ef-a67d-93b06b47e091">923</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzQtMy0xLTEtMTIxMjMxNQ_32e9b289-62aa-48ea-9dd9-5a0e983935cd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzQtNC0xLTEtMTIxMjMxNQ_365591e2-0747-4be7-8788-bcd3dc718443">766</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 2 to stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzUtMS0xLTEtMTIxMjMxNQ_4791292b-c2f6-4699-859d-d9468ecc0728">50</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzUtMi0xLTEtMTIxMjMxNQ_cbffb72a-7173-4429-8bf5-925da26e6e2d">253</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzUtMy0xLTEtMTIxMjMxNQ_3906da81-73c5-4ba7-ba93-04af38b6c2bc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzUtNC0xLTEtMTIxMjMxNQ_8f3117ea-768e-41ab-86a6-d35cac69c7eb">202</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers to stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzYtMS0xLTEtMTIxMjMxNQ_6c0f2af0-d9c7-4286-9a5f-2a817dd34e48">81</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzYtMi0xLTEtMTIxMjMxNQ_ada725a8-a9aa-4e7b-a9f2-bdbe468f8ea8">218</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzYtMy0xLTEtMTIxMjMxNQ_4c654889-db94-415d-beb9-6f014d5c652a">1,950</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzYtNC0xLTEtMTIxMjMxNQ_7e3b2374-72fd-4af5-86df-d124037ecdf9">1,652</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Transfers from stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzctMS0xLTEtMTIxMjMxNQ_e1cf66e6-2826-49d3-b7dd-a99c50ca629f">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzctMi0xLTEtMTIxMjMxNQ_018541fb-9d4e-49f9-993d-ace2d0fb3af3">59</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzctMy0xLTEtMTIxMjMxNQ_94b8d526-1d87-436d-9d23-213218a5ad98">144</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzctNC0xLTEtMTIxMjMxNQ_78ad16b8-099e-46d7-8f7c-61db21a994e2">83</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net annual origination of allowances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzgtMS0xLTEtMTIxMjMxNQ_05fc8629-3551-45be-8901-07ca8f4c131d">872</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzgtMi0xLTEtMTIxMjMxNQ_5f955e78-5b9f-43eb-80c7-a72415f020a9">795</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzgtMy0xLTEtMTIxMjMxNQ_01c43451-4513-4798-933c-61683de9dc58">1,329</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzgtNC0xLTEtMTIxMjMxNQ_500d47e0-0139-409e-90f8-4815955fb044">2,996</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Becoming&#160;write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzktMS0xLTEtMTIxMjMxNQ_c44f2b34-1b31-41da-a5b7-075d57b5162c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzktMi0xLTEtMTIxMjMxNQ_bb501c48-8381-40a7-8e36-bc06df79b391">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzktMy0xLTEtMTIxMjMxNQ_976838ec-73ff-4567-bfa2-d0af3832094f">2,567</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzktNC0xLTEtMTIxMjMxNQ_6dd8d953-adee-4314-bec5-765fb25c0e0b">2,568</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzExLTEtMS0xLTEyMTIzMTU_ebf2e193-f325-43af-be56-88b2cb637a31">227</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzExLTItMS0xLTEyMTIzMTU_7384c846-bf49-4240-8196-066ea3548c61">256</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzExLTMtMS0xLTEyMTIzMTU_85d5d9e4-8c32-418c-b4a1-4f9748199ab9">721</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzExLTQtMS0xLTEyMTIzMTU_7492a94a-3323-457e-aa62-50d48fab48fc">1,204</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Modifications that do not result in derecognition</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEyLTEtMS0xLTEyMTIzMTU_96e2ed6a-138f-4a64-a4c5-6bbddd13d088">12</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEyLTItMS0xLTEyMTIzMTU_f70b4f80-a7d0-4234-bc54-ba9a2657dad4">118</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEyLTMtMS0xLTEyMTIzMTU_48047ab1-3aaf-4a5b-ad9a-59602408fb45">177</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEyLTQtMS0xLTEyMTIzMTU_273a982a-0a48-444c-9368-dcda16c76feb">283</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEzLTEtMS0xLTEyMTIzMTU_b6f75b3d-9731-427a-ba18-dce504403eda">160</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEzLTItMS0xLTEyMTIzMTU_12d49aae-6937-420e-a2dc-8ba8591baa9e">618</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEzLTMtMS0xLTEyMTIzMTU_6ec8ae11-c4ac-44e2-b033-a09d822770cf">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzEzLTQtMS0xLTEyMTIzMTU_909f4803-9dc6-4901-b8a9-c422558592c6">803</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2cd0214ee4aa445f9b74a8059290880f_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE0LTEtMS0xLTEyMTIzMTU_4f49b729-0faa-46f5-9ddc-1583856b8ebb">401</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cd23f1d168f43d7990f2cb55c88c3bf_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE0LTItMS0xLTEyMTIzMTU_0c40f529-e078-4bc9-b25b-f8caea3b6b70">444</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3feb0f619c0d4d79a23c818f331c4118_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE0LTMtMS0xLTEyMTIzMTU_af37c353-3afc-4220-860b-ff8160563502">278</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id711362675cd4123b0224d127484696d_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE0LTQtMS0xLTEyMTIzMTU_611c916b-0a90-466e-9359-a93cde9e590d">1,123</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ice0bd5f3dc17429d93e132e9450eff0d_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE1LTEtMS0xLTEyMTIzMTU_6395e1d4-b435-44b4-b79f-ab1d422bbdf0">2,037</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6d8726efc0484499ab6ecdf1f180fb7e_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE1LTItMS0xLTEyMTIzMTU_d3864418-4e36-446d-b925-eafd2e957868">2,289</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i23d5111e552944aab9201583c889f5ce_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE1LTMtMS0xLTEyMTIzMTU_93715024-755d-4087-ac73-6e379e5e416d">7,815</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2dbc2e1bf0964c3e9fc7145bf0cc7e57_I20201231" decimals="-6" sign="-" name="bbva:GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82NzkvZnJhZzo4ZmU1Nzg2OTUwMWI0MmFmOTczMGU0NzAwN2IwYTBjMi90YWJsZTo5OWRjM2E4MzRiNmM0NzY4YTU4Y2MyMGQ1MmM5ZmNhZS90YWJsZXJhbmdlOjk5ZGMzYTgzNGI2YzQ3NjhhNThjYzIwZDUyYzlmY2FlXzE1LTQtMS0xLTEyMTIzMTU_038af417-ab65-47c9-a9ea-17f73471fd75">12,141</ix:nonFraction>)</span></td></tr></table></ix:nonNumeric></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The loss allowances recorded in the balance sheet to cover the impairment or reversal of impairment estimated in the debt securities amounted to &#8364;214, &#8364;126 and &#8364;145 million as of December 31, 2022, 2021 and 2020, respectively. The variation is mainly due to changes in credit risk variations, mainly in Garanti BBVA, BBVA, S.A. and BBVA Argentina.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> Additionally, the loss allowances recorded in the balance sheet to cover the impairment or reversal of the impairment estimated in the commitments and guarantees given amounted to &#8364;770, &#8364;691 and &#8364;728 million as of December 31, 2022, 2021 and 2020, respectively (see Note 24). The variation is mainly driven by changes due to origination and acquisition in Garanti BBVA.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_17592186047109"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.2.7</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"><ix:continuation id="i40a2dbb0c0804eda9fee8980a68faa2c" continuedAt="i822a9af7ddf64005826611b99d926d01">Refinancing and restructuring transactions </ix:continuation></span></div><ix:continuation id="i822a9af7ddf64005826611b99d926d01" continuedAt="i6e126095c1b44811be6d0e19ba9d18eb"><div style="text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Group policies and principles with respect to refinancing and restructuring transactions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Refinancing and restructuring transactions (see definition in the Glossary) are carried out with customers who have requested such a transaction in order to meet their current loan payments if they are expected, or may be expected, to experience financial difficulty in making the payments in the future.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The basic aim of a refinancing and restructuring transaction is to provide the customer with a situation of financial viability over time by adapting repayment of the loan incurred with the Group to the customer&#8217;s new situation of fund generation. The use of refinancing and restructuring for other purposes, such as to delay loss recognition, is contrary to BBVA Group policies. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s refinancing and restructuring policies are based on the following general principles:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Refinancing and restructuring is authorized according to the capacity of customers to pay the new installments. This is done by first identifying the origin of the payment difficulties and then carrying out an analysis of the customers&#8217; viability, including an updated analysis of their economic and financial situation and capacity to pay and generate funds. If the customer is a company, the analysis also covers the situation of the industry in which it operates. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-76</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i6e126095c1b44811be6d0e19ba9d18eb" continuedAt="i080d18c838ec4202a1f89b9340e77f10"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">With the aim of increasing the solvency of the transaction, new guarantees and/or guarantors of demonstrable solvency are obtained where possible. An essential part of this process is an analysis of the effectiveness of both the new and original guarantees. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">This analysis is carried out from the overall customer or group perspective. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Refinancing and restructuring transactions do not in general increase the amount of the customer&#8217;s loan, except for the expense inherent to the transaction itself. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The capacity to refinance and restructure a loan is not delegated to the branches, but decided on by the risk units. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The decisions made are reviewed from time to time with the aim of evaluating full compliance with refinancing and restructuring policies. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These general principles are adapted in each case according to the conditions and circumstances of each geographical area in which the Group operates, and to the different types of customers involved.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the case of retail customers (private individuals), the main aim of the BBVA Group&#8217;s policy on refinancing and restructuring a loan is to avoid default arising from a customer&#8217;s temporary liquidity problems by implementing structural solutions that do not increase the balance of the customer&#8217;s loan. The solution required is adapted to each case and the loan repayment is made easier, in accordance with the following principles: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Analysis of the viability of transactions based on the customer&#8217;s willingness and ability to pay, which may be reduced, but should nevertheless be present. The customer must therefore repay at least the interest on the transaction in all cases. No arrangements may be concluded that involve a grace period for both principal and interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Refinancing and restructuring of transactions is only allowed on those loans in which the BBVA Group originally entered into.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Customers subject to refinancing and restructuring transactions are excluded from marketing campaigns of any kind.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the case of non-retail customers (mainly companies, enterprises and corporates), refinancing/restructuring is authorized according to an economic and financial viability plan based on:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Forecasted future income, margins and cash flows to allow entities to implement cost adjustment measures (industrial restructuring) and a business development plan that can help reduce the level of leverage to sustainable levels (capacity to access the financial markets).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Where appropriate, the existence of a divestment plan for assets and/or operating segments that can generate cash to assist the deleveraging process.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The capacity of shareholders to contribute capital and/or guarantees that can support the viability of the plan.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with the Group&#8217;s policy, the conclusion of a loan refinancing and restructuring transaction does not mean the loan is reclassified from "impaired" or "significant increase in credit risk" to normal risk. The reclassification to "significant increase in credit risk" or normal risk categories must be based on the analysis mentioned earlier of the viability, upon completion of the probationary periods described below. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group maintains the policy of including risks related to refinanced and restructured loans as either:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">"Impaired assets", as although the customer is up to date with payments, they are classified as unlikely to pay when there are significant doubts that the terms of their refinancing may not be met; or</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">"Significant increase in credit risk" until the conditions established for their consideration as normal risk are met.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets classified as "Impaired assets" should comply with the following conditions in order to be reclassified to "Significant increase in credit risk":</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The customer has to have paid a significant part of the pending exposure.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">At least one year must have elapsed since the later of: i) the time at which the restructuring measures were extended, ii) the time when the exposure was classified as deteriorated, iii) the end of any grace period included in restructuring agreements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The customer does not have past due payments and objective criteria, demonstrating the borrower&#180;s ability to pay, have been verified.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The conditions established for assets classified as &#8220;Significant increase in credit risk&#8221; to be reclassified out of this category are as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The customer must have paid past-due amounts (principal and interest) since the date of the renegotiation or restructuring of the loan or other objective criteria, demonstrating the borrower&#180;s ability to pay, have been verified; none of its exposures is more than 30 days past-due.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-77</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i080d18c838ec4202a1f89b9340e77f10" continuedAt="i55c3ae10ec0b493bb7a9548ce3477530"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">At least two years must have elapsed since completion of the renegotiation or restructuring of the loan or, if later, the date of reclassification from the deteriorated category. Regular payments must have been made during at least half of this probation period; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">It is unlikely that the customer will have financial difficulties and, therefore, it is expected that the customer will be able to meet its loan payment obligations (principal and interest) in a timely manner.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The economic impact caused by the COVID-19 pandemic required the adaptation of the repayment schedule of a large volume of loans in all geographies and portfolios. In general, support was given through the granting of deferrals that comply with the principles established by the EBA, which allowed for the application of a differential accounting and prudential treatment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Renewals and renegotiations are classified as normal risk, provided that there is no significant increase in risk. This classification is applicable initially, and in the event of any deterioration, the criteria established in the existing policy are followed. In this sense, the aforementioned conditions are considered, including, among others, the requirement that the facility is not more than 30 days past due and that it has not been identified as 'unlikely to pay'.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s refinancing and restructuring policy provides for the possibility of two modifications in a 24 month period for loans that are not in compliance with the payment schedule.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The internal models used to determine allowances for loan losses consider the restructuring and renegotiation of a loan, as well as re-defaults on such a loan, by assigning a lower internal rating to restructured and renegotiated loans than the average internal rating assigned to non-restructured/renegotiated loans. This downgrade results in an increase in the probability of default (PD) assigned to restructured/renegotiated loans (with the resulting PD being higher than the average PD of the non- renegotiated loans in the same portfolios).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In any case, a restructuring will be considered impaired when the reduction in the present net value of the financial obligation is greater than 1%, in line with the management criteria introduced during 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For quantitative information on refinancing and restructuring transactions see Appendix VIII.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_682"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.2.8</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"><ix:continuation id="i55c3ae10ec0b493bb7a9548ce3477530" continuedAt="i6186aa3e2fc243529a0a08b69f7f95fb">Risk concentration</ix:continuation></span></div><ix:continuation id="i6186aa3e2fc243529a0a08b69f7f95fb" continuedAt="i62192d6bcb7d4429bf620a1f7215b872"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Policies for preventing excessive risk concentration </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to prevent the build-up of excessive risk concentrations at the individual, sector, portfolio and geography levels, BBVA Group maintains updated maximum permitted risk concentration indices which are tied to the various observable variables related to concentration risk. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Together with the limits for individual concentration, the Group uses the Herfindahl index to measure the concentration of the Group's portfolio and the banking group's subsidiaries. At the BBVA Group level, the index reached implies a "very low" degree of concentration.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The limit on the Group&#8217;s exposure or financial commitment to a specific customer therefore depends on the customer&#8217;s credit rating, the nature of the risks involved, and the Group&#8217;s presence in a given market, based on the following guidelines:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The aim is, as much as possible, to reconcile the customer's credit needs (commercial/financial, short-term/long-term, etc.) with the interests of the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Any legal limits that may exist concerning risk concentration are taken into account (relationship between risks with a customer and the capital of the shareholder&#180;s entity that assumes them), the markets, the macroeconomic situation, etc.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The aim is to seek inter and intra-sector diversification in coherence with the metrics defined in the RAF for the Group and for the banking group's subsidiaries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk concentrations by geography</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the main figures in the most significant foreign currencies in the consolidated balance sheets is set forth in Appendix IX.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Sovereign risk concentration </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Sovereign risk management</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The identification, measurement, control and monitoring of risk associated with sovereign risk transactions is carried out by a centralized unit within the BBVA Group's Risk Area. Its basic functions are preparing reports (called financial programs) on the countries with which it maintains cross-border risks (i.e. risks taken in a foreign currency from outside the country with borrowers in the country, whether public or private) and sovereign risks (i.e. risks with the local Sovereign of the country where the risk-taking unit is located), monitoring those risks, establishing risk limits, assigning ratings to the countries analyzed and, in general, supporting the Group in any information request regarding this type of transaction. The risk policies established in the financial programs are approved by the relevant risk committees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The country risk unit tracks the evolution of the risks associated with the various countries to which the Group are exposed (including sovereign risk) on an ongoing basis in order to adapt its risk and mitigation policies to any macroeconomic and political changes that may occur. Moreover, it regularly updates its internal ratings and forecasts for these countries. The methodology is based on the assessment of quantitative and qualitative parameters which are in line with those used by certain multilateral organizations (the International Monetary Fund (IMF), the World Bank, etc.) rating agencies and export credit organizations.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-78</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i62192d6bcb7d4429bf620a1f7215b872" continuedAt="ie53e6faa989145cebced24a0c31e587d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For additional information on sovereign risk in Europe see Appendix IX.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk related to the developer and Real Estate sector in Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The sale of impaired assets concluded in 2018. Currently, there is no risk concentration in the developer and real estate sector, taking into account that its weight in total wholesale risks in Spain is approxi</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">mately 10%, while compared with the total risks in the portfolio (wholesale and retail), the Real Estate risk assumed would be around 3%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Policies and strategies established by the Group to deal with risks related to the developer and real-estate sector</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Group has teams specializing in the management of the Real Estate Sector risk, given its economic importance and specific technical component. This specialization is not only in risk teams, but throughout the handling, commercial, problem risks and legal, etc. It also includes the research department of the BBVA Group (BBVA Research), which helps determine the medium/long-term vision needed to manage this portfolio. The policies established to address the risks related to the developer and real-estate sector, aim to accomplish, among others, the following objectives: to avoid concentration in terms of customers, products and regions; to estimate the risk profile for the portfolio; and to anticipate possible worsening of the portfolio within a sector is highly cyclical.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Specific policies for analysis and granting of new developer risk transactions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the analysis of new transactions, the assessment of the commercial operation in terms of the economic and financial viability of the project has been one of the constant. The monitoring of the work, sales prospects and the legal situation of the project are essential aspects for the admission and follow-up of new real estate transactions. With regard the participation of the Risk Acceptance teams, they have a direct link and participate in the committees of areas such as Valuation, Legal, BBVA Research and Recoveries. This guarantees coordination and exchange of information in all the processes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this context, and within the current Real Estate cycle, the strategy with clients is subject to an Asset Allocation limit and to an action framework that allows defining a target portfolio, both in volume and in credit quality.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk monitoring policies</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The base information for analyzing the real estate portfolios is updated monthly. There is a systematic monitoring of developments under close monitoring with the evolution of works and sales. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Policies applied in the management of real estate assets in Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The internal Rules on Real Estate Financing, which establish recommendations for financing a new housing development business, are reviewed and updated annually.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The recommendations represent guidelines about how to manage the credit admission activity of BBVA Group entities based on best practices of markets in which this activity is performed. It is expected that a high percentage of the current transactions will be in compliance with the latter.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For quantitative information about the risk related to the developer and Real-Estate sector in Spain see Appendix IX. </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_685"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-27pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:13.11pt"><ix:continuation id="ie53e6faa989145cebced24a0c31e587d" continuedAt="i8f1691993ec643d7b0f6953819ca38f8">Structural risk</ix:continuation></span></div><ix:continuation id="i8f1691993ec643d7b0f6953819ca38f8" continuedAt="ie29dc81af96942468669d7ac5d30a8a0"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The structural risks are defined, in general terms, as the possibility of suffering losses in the banking book due to adverse movements in market risk factors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the Group, the following types of structural risks are defined, according to their nature: interest rate risk, credit spread risk, exchange rate risk and equity risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The scope of structural risks in the Group excludes market risks in the trading book that are clearly delimited and separated and are part of the Market Risks category. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Assets and Liabilities Committee (ALCO) is the main responsible body for the management of structural risks regarding liquidity/ funding, interest rate, credit spread, currency, equity and solvency. Every month, with the participation of the CEO and representatives from the areas of Finance, Risks and Business Areas, this committee monitors the structural risks and is presented with proposals with regard to action plans related with its management for its approval. These management proposals are made by the Finance area with a forward-looking focus, maintaining the alignment with the risk appetite framework, trying to guarantee the recurrence of results and financial stability, as well as to preserve the solvency of the entity. All balance sheet management units have a local ALCO, which is permanently attended by members of the Corporate Center, and there is a corporate ALCO where management strategies are monitored and presented in the Group's subsidiaries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The GRM area acts as an independent unit, ensuring adequate separation between the management and risk control functions, and is responsible for ensuring that the structural risks in the Group are managed according to the strategy approved by the Board of Directors.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-79</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ie29dc81af96942468669d7ac5d30a8a0" continuedAt="i1d86634c6c5d480ba9def3f17a756815"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Consequently, GRM deals with the identification, measurement, monitoring and control of those risks and their reporting to the corresponding corporate bodies. Through the Global Risk Management Committee (GRMC), it performs the function of control and risk assessment and is responsible for developing the strategies, policies, procedures and infrastructure necessary to identify, evaluate, measure and manage the significant risks that the BBVA Group faces. To this end, GRM, through the corporate unit of Structural Risks, proposes a scheme of limits that defines the risk appetite set for each of the relevant structural risk types, both at Group level and by management units, which will be reviewed annually, reporting the situation periodically to the Group's corporate bodies as well as to the GRMC.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, both the management system and the control and measurement system for structural risks are necessarily adjusted to the Group's internal control model, complying with the evaluation and certification processes that comprise it. In this sense, the tasks and controls necessary for its scope of action have been identified and documented, supporting a regulatory framework which includes specific processes and measures for structural risks, from a broad geographical perspective.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Within the three lines of defense scheme in which BBVA's internal control model is based according to the most advanced standards in terms of internal control, the first line of defense is maintained by the Finance area, which is responsible for managing the structural risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a second line of defense, GRM is in charge of identifying risks, and establishing policies and control models, periodically evaluating their effectiveness.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the second line of defense, there are also the Internal Risk Control units, which independently review the Structural Risk control, and Internal Financial Control, which carries out a review of the design and effectiveness of the operational controls over structural risk management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The third line of defense is represented by the Internal Audit area, an independent unit within BBVA Group, which is responsible for reviewing specific controls and processes.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_688"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.3.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i1d86634c6c5d480ba9def3f17a756815" continuedAt="i415ad4fd96e0455e8d2a00308dd39c2c">Interest rate risk and credit spread in the banking book</ix:continuation></span></div><ix:continuation id="i415ad4fd96e0455e8d2a00308dd39c2c" continuedAt="if663da8820134ca79a12368737e90c05"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The structural interest-rate risk (IRRBB) is related to the potential impact that variations in market interest rates have on an entity's net interest income and equity. In order to properly measure IRRBB, BBVA Group takes into account all the main sources of this risk: repricing risk, yield curve risk, option risk and basis risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assessment of structural interest rate risk is carried out with an integral vision, combining two complementary points of view: the effects of interest rate shifts in net interest income (short term) and their impact on the economic value of equity (long term). In addition, the impact on the market value of the financial instruments of the banking book, as a result of changes in the market interest rates (IRRBB) or the credit spreads (CSRBB), will be assessed as it may have an impact on the income statement and/or equity due to their accounting treatment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The exposure of a financial entity to adverse interest rates movements is a risk inherent to the development of the banking business, which is also, in turn, an opportunity to create economic value. Therefore, interest rate risk must be effectively managed so that it is limited in accordance with the entity&#8217;s equity and in line with the expected economic result.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In BBVA, the purpose of structural interest rate risk management is to maintain the stability of the net interest income in the event of interest rate fluctuations. It contributes to a recurrent generation of earnings, limit the capital consumption due to structural interest rate risk and monitor potential mark-to-market impacts on &#8220;held to collect and sell&#8221; (HtC&amp;S) portfolios. Likewise, the spread risk management in banking book portfolios is aimed at limiting the impact on the valuation of fixed income instruments, which are used for balance sheet liquidity and interest rate risk management purposes in order to increase diversification, and maintain the spread risk at levels aligned with the total volume of the investment portfolio and the equity of the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These functions fall to the Global ALM (Asset &amp; Liability Management) unit, within the Finance area, who, through ALCO, aims to guarantee the recurrence of results and preserve the solvency of the entity, always adhering to the risk profile defined by the management bodies of the BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Structural interest rate risk management is decentralized, and is carried out independently in each entity included in the structural balance sheet (banking book) of the BBVA Group, keeping the exposure to interest rates and credit spreads movements aligned with the strategy and the target risk profile of the Group, and in compliance with the regulatory requirements according to the EBA guidelines.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Nature of interest rate risk and credit spread risk </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Repricing risk arises due to the difference between the repricing or maturity terms of the assets and liabilities, and represents the most frequent interest rate risk faced by financial entities. However, other sources of risk such as changes in the slope and shape of the yield curve, the reference to different indexes and the optionality risk embedded in certain banking transactions, are also taken into account by the risk control system.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, the credit spread risk (CSRBB) of fixed-income portfolios in the banking book arises from the potential impact on the value of fixed-income portfolios and credit derivatives registered at fair value produced by a variation in the level of credit spreads associated with those instruments/issuers and that are not explained by default risk or by movements in market interest rates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's structural interest-rate risk management and control process includes a set of metrics and tools that enable the capture of additional sources to properly monitor the risk profile of the Group, backed-up by assumptions that aim to characterize the behavior of the balance sheet items with the maximum accuracy.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-80</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="if663da8820134ca79a12368737e90c05" continuedAt="i08e312bc5d4b4b63af7d181e74453366"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The IRRBB and CSRBB measurement is carried out on a monthly basis, and includes probabilistic measures based on simulation methods of interest rate curves and credit spread shocks. The corporate methodology enables to capture additional sources of risk to the interest rate parallel shifts, such as the changes in slope shape and the basis of yield curves. Additionally, sensitivity analysis to multiple parallel shocks of different magnitude are also assessed on a regular basis. The process is run separately for each currency to which the Group is exposed, considering, at a later stage, the diversification effect among currencies and business units.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The risk measurement model is complemented by the assessment of ad-hoc scenarios, stress tests and reverse stress. Stress tests incorporate extreme scenarios both in market interest rates and in behavioral assumptions, in addition to the assessment of market scenarios by BBVA Research and the set of prescriptive scenarios defined according to EBA guidelines.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The internal measurement systems and models are subjected to a process of review and continuous improvement in order to keep them aligned with EBA guidelines.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Key assumptions of the model</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to measure structural interest rate risk, the setting of assumptions on the evolution and behavior of certain balance sheet items is particularly relevant, especially those related to products without an explicit or contractual maturity which characteristics are not established in their contractual terms and must be therefore estimated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assumptions that characterize these balance sheet items must be understandable for the areas and bodies involved in risk management and control and remain duly updated, justified and documented. The modeling of these assumptions must be conceptually reasonable and consistent with the evidence based on historical experience, reviewed at least once a year and, if any, the behavior of the customers induced by the business areas. These assumptions are regularly subject to a sensitivity analysis to assess and understand the impact of the modelling on the risk metrics.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The approval and update of the IRRBB behavioral models is subject to the corporate governance under the scope of GRM analytics. Thus, all the models must be duly inventoried and catalogued and comply with the requirements for their development, updating and changes management set out in the internal procedures. They are also subject to the corresponding internal validations and follow-up requirements established based on their relevance, as well as to backtesting procedures against experience to ratify the validity of the assumptions applied.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In view of the heterogeneity of the financial markets, customers and products in the multiple jurisdictions, each one of the entities of the Group is responsible for determining the behavior assumptions to be applied to the balance sheet items, always under the guidelines and the applicability of the corporate models existing in the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balance sheet behavioral assumptions stand out those established for the treatment of items without contractual maturity, mainly for demand customer deposits, and those related to the expectations on the exercise of interest rate options, especially relating to loans and deposits subject to prepayment risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the modelling of demand deposits, a segmentation of the accounts in several categories is previously carried out depending on the characteristics of the customer (retail / wholesale) and the product (type of account / transactionality / remuneration), in order to outline the specific behavior of each segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to establish the remuneration of each segment, the relationship between the evolution of market interest rates and the interest rates of managed accounts is analyzed, with the aim of determining the translation dynamic (percentages and lags) of interest rates variations to the remuneration of the accounts. In this regard, consideration is given to the potential limitations in the repricing of these accounts in scenarios of low or negative rates, with special attention to retail customers, through the establishment of floors in the remuneration. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The behavior assigned to each category of accounts is determined by an analysis of the historical evolution of the balances and the probability of cancellation of the accounts. For this, the volatile part of the balance assigned to a short-term maturity is isolated, thus avoiding fluctuations in the level of risk caused by specific variations in the balances and promoting stability in the management of the balance. Once the stable part is identified, a medium / long term maturity model is applied through a decay distribution based on the average term of the accounts and the conditional cancellation probabilities throughout the life of the product.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, the behavior modeling incorporates, where appropriate, the relationship between the evolution of the balance of deposits and the levels of market interest rates, especially in low rate environments. Consequently, the effect of rate variations on the stability of the deposits as well as the potential migration between the different types of products (on demand and time deposits) in each interest rate scenario are incorporated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Equally relevant is the treatment of early cancellation options embedded in credit loans, mortgage portfolios and customer deposits. The evolution of market interest rates may condition, along with other variables, the incentive that customers have to prepay loans or deposits, modifying the future behavior of the balance amounts with respect to the forecasted contractual maturity schedule.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The detailed analysis of the historical information related to prepayment data, both partial and total prepayment, combined with other variables such as interest rates, allows estimating future amortizations and, where appropriate, their behavior linked to the evolution of such variables through the relationship between the incentive of the customer to prepay and the early cancellation speed.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-81</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i08e312bc5d4b4b63af7d181e74453366" continuedAt="id4121c15ebd54c80a6e3f011123a1a26"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90ZXh0cmVnaW9uOjg3M2M4MTQ1Y2Q0MDQ4YmJiNWY2MGJiMDY4MmNlNGVkXzY2MA_4e79ce18-0086-496e-9d7a-71ae664aa4e3" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below shows the profile of average structural interest rate risk and credit spread risk of the fixed income portfolio in the banking book classified as Hold to Collect &amp; Sale (HtC&amp;S) in terms of sensitivities of the main currencies for the BBVA Group in 2022:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.815%"><tr><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.570%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Sensitivity to interest-rate and credit spread analysis. Year 2022</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate risk</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;Credit spread</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on net interest income</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point increase</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point decrease</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point increase</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point decrease</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point increase</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0946a22ba3104512a197e5c391d6ddb5_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzQtMS0xLTEtNzE0Nzc0_86b9aa99-823c-4660-bb3d-2bad6123fa5a">[1.5% , 3.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="iaad1225df43c4b81ad7a4be9657121e1_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzQtMi0xLTEtNzE0Nzc0_a480adde-a04d-4ed0-b41f-f7335e26a4a4">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0946a22ba3104512a197e5c391d6ddb5_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzQtMy0xLTEtNzE0Nzc0_51a01a63-dd0b-4b03-ae69-9b7167c0d4c2">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="iaad1225df43c4b81ad7a4be9657121e1_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzQtNC0xLTEtNzE0Nzc0_dfc69d2b-bbe8-44f1-8623-d909f1f32ae6">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0946a22ba3104512a197e5c391d6ddb5_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzQtNS0xLTEtNzE0Nzc0_3dce37aa-200b-437e-af4e-eb3227acbd95">[-1.5% , -0.5%]</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexican peso</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4e0bd5657a3641a1a8f63db6537409bf_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzUtMS0xLTEtNzE0Nzc0_7a7c65ef-d4cb-4666-89b5-08c4cf3351d8">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i1417537390ca460893f784d9c18485a6_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzUtMi0xLTEtNzE0Nzc0_1e989643-7a67-4a32-8d76-caab63af2560">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4e0bd5657a3641a1a8f63db6537409bf_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzUtMy0xLTEtNzE0Nzc0_74649d47-a89e-4ccb-8b70-c380a05e933e">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i1417537390ca460893f784d9c18485a6_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzUtNC0xLTEtNzE0Nzc0_93957762-aa9a-47f3-9b9e-ab44ba6ab400">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4e0bd5657a3641a1a8f63db6537409bf_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzUtNS0xLTEtNzE0Nzc0_0b8819e4-22bd-45da-bb47-be1bf051c1b7">[-0.5% , 0.5%]</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">U.S. dollar</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if7f1fc77f06b422ebb5b845d85dcbb6d_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzYtMS0xLTEtNzE0Nzc0_2ee403b9-c066-4c32-a23d-7ffca50881f7">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia2a63fb12fb942a49aa7fd4c4f009133_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzYtMi0xLTEtNzE0Nzc0_3567bab3-d596-4194-9186-1a697c8da4bd">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if7f1fc77f06b422ebb5b845d85dcbb6d_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzYtMy0xLTEtNzE0Nzc0_7841ab34-f292-4bd7-b385-7af31ec49da8">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia2a63fb12fb942a49aa7fd4c4f009133_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzYtNC0xLTEtNzE0Nzc0_94daaee7-ce94-4998-a0e5-9addea90f5e3">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if7f1fc77f06b422ebb5b845d85dcbb6d_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzYtNS0xLTEtNzE0Nzc0_217a78bb-8c49-4219-b344-cea4c0478773">[-0.5% , 0.5%]</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkish lira</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i42e73f0be1ea43d88317066976c115dc_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzctMS0xLTEtNzE0Nzc0_321a9c7e-2414-4c6b-8a92-830b20232f89">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i5b4bfbd6c8204b478e4d7d8ba7cbe1e7_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzctMi0xLTEtNzE0Nzc0_510080d2-c1b6-467c-b360-e9c08f7705ae">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i42e73f0be1ea43d88317066976c115dc_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzctMy0xLTEtNzE0Nzc0_822ca94c-58b3-4c86-8874-249dc4ef68ab">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i5b4bfbd6c8204b478e4d7d8ba7cbe1e7_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzctNC0xLTEtNzE0Nzc0_42f9a79a-89de-4903-a2b0-54b25f732e35">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i42e73f0be1ea43d88317066976c115dc_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzctNS0xLTEtNzE0Nzc0_0c63a7d9-1781-423f-a9fb-205abfced559">[-0.5% , 0.5%]</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ic9b5fe8984a14f058991589ac38b6118_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzgtMS0xLTEtNzE0Nzc0_54c247d8-70fd-4938-a246-c9c9579e4265">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib5d642062ccb42abb2aaf79c8ff5b598_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzgtMi0xLTEtNzE0Nzc0_847fe2ec-729c-4e15-a645-256d8753ad49">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ic9b5fe8984a14f058991589ac38b6118_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzgtMy0xLTEtNzE0Nzc0_21d49708-f7b2-4d61-8299-878a8fdbde26">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib5d642062ccb42abb2aaf79c8ff5b598_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzgtNC0xLTEtNzE0Nzc0_8a61c3d8-9627-4b15-8211-cb275b4034a3">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ic9b5fe8984a14f058991589ac38b6118_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzgtNS0xLTEtNzE0Nzc0_55c263a8-83aa-4134-91de-0fa5b2679dd3">[-0.5% , 0.5%]</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA Group</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i6543064968f54fa8b452929142ee6cbc_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzktMS0xLTEtNzE0Nzc0_f133132e-6f02-4f21-a3c6-c38a5cabe211">[3.5% , 5.5%]</ix:nonNumeric></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i6f59cf4d2b5e4ffcb8b6ae5dab725af2_D20220101-20221231" name="bbva:PercentageImpactOnNetInterestIncome" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzktMi0xLTEtNzE0Nzc0_ca7dd0d2-dcd0-4a0c-b766-1a33e5120d58">[-5.5% , -3.5%]</ix:nonNumeric></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i6543064968f54fa8b452929142ee6cbc_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzktMy0xLTEtNzE0Nzc0_d3f1f0e7-d67e-488d-84b1-1169aa9bfea9">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i6f59cf4d2b5e4ffcb8b6ae5dab725af2_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValue" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzktNC0xLTEtNzE0Nzc0_2b99321b-872d-4757-a493-3f1d8b4ea57f">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i6543064968f54fa8b452929142ee6cbc_D20220101-20221231" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90YWJsZTowODg5NmM3NzJmYTM0MTA0OTVjZTFkYzM4ZjQ2ZDNhZS90YWJsZXJhbmdlOjA4ODk2Yzc3MmZhMzQxMDQ5NWNlMWRjMzhmNDZkM2FlXzktNS0xLTEtNzE0Nzc0_2050e74a-5caa-4c06-bdbc-d1d849ed8e53">[-3.5% , -1.5%]</ix:nonNumeric></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90ZXh0cmVnaW9uOjg3M2M4MTQ1Y2Q0MDQ4YmJiNWY2MGJiMDY4MmNlNGVkXzU3MTc0NjA0NjQ3MzMx_19a2692a-2df0-4a7e-81ae-4a5385568422" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Percentage of "12 months" net interest income for the BBVA Group.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90ZXh0cmVnaW9uOjg3M2M4MTQ1Y2Q0MDQ4YmJiNWY2MGJiMDY4MmNlNGVkXzU3MTc0NjA0NjQ3MzMy_83dee32a-e5f6-45d9-ac35-94e78a999310" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Percentage of CET1 (Fully Loaded) for BBVA Group</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82ODgvZnJhZzo4NzNjODE0NWNkNDA0OGJiYjVmNjBiYjA2ODJjZTRlZC90ZXh0cmVnaW9uOjg3M2M4MTQ1Y2Q0MDQ4YmJiNWY2MGJiMDY4MmNlNGVkXzU3MTc0NjA0NjQ3MzMz_77e78179-dc61-4aae-9626-9b9dc763a98d" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) In Euro and Pound sterling (included in "Other"), negative interest rates scenarios are allowed up to plausible levels</ix:footnote>.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The year 2022 was characterized by a change in the cycle in terms of monetary policy as a result of the high inflation rates observed in most Western economies. The effects of the high energy prices and the bottlenecks in the supply chain, which still persisted due to the COVID-19 pandemic, were exacerbated from March onwards by the outbreak of the war between Russia and Ukraine. In this context, the central banks embarked on a restrictive monetary policy strategy with interest rate hikes, which is still in force and is expected to last during most of 2023. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At an aggregate level, BBVA seeks to maintain a moderate risk profile, in accordance with the established objective, having positive sensitivity to interest rate hikes in the net interest income.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding relevant events in the financial markets, the ECB began the process of raising interest rates in July 2022 with the aim of curbing inflation, with a rise of 250 basis points in the year, and the FED, for its part, implemented increases of 425 basis points in 2022. Furthermore, additional increases are expected in 2023 (such as the rise by the Fed (0.25 basis points) and the ECB (0.5 basis points), announced on February 1 and February 2, 2023, respectively) since inflation remains at high levels. In relation to fixed income markets, valuations have been affected by the strong general increase in interest rates and the widening of risk premiums, in line with inflation expectations, which are expected to continue above reference levels. Spanish and Italian debt spreads worsened with widenings relative to the German curve, especially in the case of Italy. As for Mexico and South America, the flattening movements have been similar to those of the United States, continuing with the rate hike cycle. Turkey, for its part, has set the monetary policy rate at 9.0%, making successive cuts of 500 basis points between August and November 2022.</span></div><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most relevant aspects related to the main geographical areas are the following:</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Spain has a balance sheet characterized by a high proportion of variable-rate loans (basically mortgages and corporate lending) and liabilities composed mainly by customer demand deposits. The ALCO portfolio acts as a management lever, hedging the bank's balance sheet by mitigating its sensitivity to interest rate fluctuations. The balance sheet interest rate risk profile remained stable during the year, Spain being the geographical area of the Group with the highest positive sensitivity to rates.</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the end of September 2022 the ECB set the benchmark interest rate at 2.5%, the marginal deposit facility rate at 2% and the marginal loan facility rate at 2.75%. Thus, the European benchmark interest rates (EURIBOR) showed significant increases in the year. In this regard, customer spread is starting to benefit from interest rate hikes, which is expected to continue in the coming quarters.</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Mexico continues to show a balance between fixed and variable interest rates positions, which limits sensitivity to interest rates fluctuations. In terms of assets that are most sensitive to interest rate fluctuations, the commercial portfolio stands out, while consumer loans and mortgages are mostly at a fixed rate. With regard to customer funds, there is a high proportion of non-interest bearing deposits, which are insensitive to interest rate movements. The ALCO portfolio is invested primarily in fixed-rate sovereign bonds with limited maturities. The monetary policy rate stands at 10.50%, 500 basis points above the end-of-year level of 2021. Regarding client spread, there has been an improvement in 2022, favored by both the contained cost of deposits and the positive evolution of yields on loans.</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In Turkey, loans, which are mostly fixed-rate and have relatively short maturities, and the ALCO portfolio limit the sensitivity of  interest margins, both with respect to the Turkish lira and foreign currencies. However, the economic value risk increased in 2022 mainly due to the compulsory purchases of bonds required by the local supervisor. Customer spread improved in 2022 due to the lower cost of deposits.</span></div><div style="margin-bottom:8pt;margin-top:8pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In South America, the interest rate risk profile remains low as most countries in the area have a fixed/variable composition and maturities that are very similar for assets and liabilities, with limited net interest income sensitivity. In addition, in balance sheets with several currencies, interest rate risk is managed for each of the currencies, showing a limited level of risk. The central banks of Peru and Colombia rose the benchmark interest rates by 500 and 900 basis points, respectively, in 2022. Customer spreads improved in Peru, impacted by the interest rates hike, while falling in Colombia, as liabilities (mainly deposits) repriced faster than assets following the sharp interest rates hike.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-82</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_691"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.3.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="id4121c15ebd54c80a6e3f011123a1a26" continuedAt="i7c21002dd64c448da104f0aeb0d22e14">Structural exchange-rate risk </ix:continuation></span></div><ix:continuation id="i7c21002dd64c448da104f0aeb0d22e14" continuedAt="i3a2aede4802244a9b73b2c5008e5851a"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Structural exchange rate risk, is defined as the possibility of impacts on solvency, equity value and results driven by fluctuations in the exchange rates due to exposures in foreign currencies. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Structural exchange rate risk is inherent to the business of international banking groups, such as BBVA, that develop their activities in different geographies and currencies. At a consolidated level, structural exchange-rate risk arises from the consolidation of holdings in subsidiaries with functional currencies other than the euro. Its management is centralized in order to optimize the joint management of permanent foreign currency exposures, taking diversification into account. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The purpose of structural exchange rate risk management is protecting solvency by limiting volatility of the consolidated CET1 ratio and income to consolidate denominated in a currency other the euro in the Group, as well as to limit the capital requirements under exchange rate fluctuations to which the Group is exposed due to its international diversification. The ALM Global corporate unit, through the ALCO, is responsible for the management of this risk all through an active hedging policy, deliberately taken for each objective, and fully aligned with the management strategy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the corporate level, the risk monitoring metrics included in the limits framework are aligned with the Risk Appetite Framework, and are targeted to control the effects on the solvency through the economic capital metric and the fluctuations in the Common Equity Tier I fully loaded (CET1 fully loaded) consolidated ratio, as well as the maximum deviation in the Group's attributable profit. The probabilistic metrics make it possible to estimate the joint impact of exposure to different currencies taking into account the different variability in exchange rates and their correlations. These metrics are supplemented with additional assessment indicators.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The suitability of these risk assessment metrics is reviewed on a regular basis through backtesting exercises. The final element of structural exchange-rate risk control is the stress and scenario analysis aimed to assess the vulnerabilities of foreign currency structural exposure not contemplated by the risk metrics and to serve as an additional tool when making management decisions. The scenarios are based both on historical situations simulated by the risk model and on the risk scenarios provided by BBVA Research.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The purpose of the exchange rate risk management of BBVA's long term investments, which arises mainly from its foreign franchises, is to preserve the capital ratios of the Group and to maintain the stability of the profits. The year 2022 was characterized by the weakness of the euro, especially pronounced in the first nine months of the year. Thus, the US dollar, which for some part of the year was trading below parity, closed the year with an appreciation of 6.2% against the euro. Among the emerging currencies, the Mexican peso appreciated strongly (11.0% against the euro) on the back of the positive perception of the country's fundamentals and the aforementioned weakness of the euro. The lira was again penalized in 2022 (-23.7%) by an unorthodox economic policy in a context of high inflation. As for the performance of South American currencies, the Peruvian sol was solid (11.0%), while the Chilean peso, somewhat more volatile, managed to appreciate against the euro (4.4%). The Colombian peso (-12.1%) and the Argentine peso (-38.3%) depreciated against the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA maintains management policies for the main investments in emerging countries in respect of, in average terms, between 40% and 50% of the aggregate attributable profit in non-euro currencies expected to be generated by the group in the next twelve months and around 70% of the aggregate excess capital in non-euro currencies. In relation to the CET1 capital ratio, the estimated impact at the end of 2022 of a 10% depreciation in the relevant currency was as follows: Mexican peso (-5 basis points); Turkish lira (-5 basis points) and U.S. dollar (+19 basis points). </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90ZXh0cmVnaW9uOjk2NjZmMTIxZTFkZTQ2MzY5YjEwMjU3MmEyNTY5MzhiXzQz_4b334d77-f018-4aff-88b0-1b82b855445d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the years 2022, 2021 and 2020, the estimated sensitivities of the result attributable to the parent company are shown below, taking into account the coverage, against depreciations and appreciations of 1% of the average rate in the main currencies. To the extent that hedging positions are periodically modulated, the sensitivity estimate attempts to reflect an average (or effective) sensitivity in the year:</span></div><div style="margin-bottom:22pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:bottom"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Sensitivity to 1% change (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexican peso</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i771fef3c9b4442f28e5cf1eaa0eba1a3_D20220101-20221231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzMtMS0xLTEtNzE0Nzc0_8e97d71a-9c6c-4b9d-a439-4f2e6f0b1487">19.1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4fa09ed9dba146cdabdc068126ca251a_D20210101-20211231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzMtMi0xLTEtNzE0Nzc0_ac432a03-18b9-4dfa-a32a-696b2b813b75">14.0</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8991d2b8070422c89fbe7ffd400e67e_D20200101-20201231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzMtMy0xLTEtNzE0Nzc0_28fa16ae-93c3-4ece-a9f4-bd11352aeb3b">4.9</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkish lira</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43e4ea32eee24c09bd70e48b84f6af9b_D20220101-20221231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzQtMS0xLTEtNzE0Nzc0_98a4d64b-5482-4a7c-93bb-dfa6119bb247">3.5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e6477981ab94626b53a0429570103f6_D20210101-20211231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzQtMi0xLTEtNzE0Nzc0_6aad2e49-e9f5-4003-a47a-62add353f60f">4.7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63c5a66ea31a4f9ca540f0cd678a9035_D20200101-20201231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzQtMy0xLTEtNzE0Nzc0_4fe7ca28-b2cb-4f24-8744-e896ecf33d64">4.5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Peruvian sol</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i69fc4031c6b440af9a37c5b8f3c5ee1e_D20220101-20221231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzUtMS0xLTEtNzE0Nzc0_2ffb4bda-be84-4557-bb46-ba18a18a7899">0.7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd142522e43942bbb0168658dfac1b59_D20210101-20211231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzUtMi0xLTEtNzE0Nzc0_82561183-7110-492a-b418-9de733ebcdd4">0.3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05099e1aa6624f02a69e62917d78f086_D20200101-20201231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzUtMy0xLTEtNzE0Nzc0_2adbede2-9605-444b-8641-5f995fd746d4">0.4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chilean peso</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0a825f58f98e41c58d777d5ec6c21903_D20220101-20221231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzYtMS0xLTEtNzE0Nzc0_6fd208ca-35cc-4a80-9620-1ba070ae8a4c">0.4</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8df31bd7b2b2409b9f1d601b63f2a815_D20210101-20211231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzYtMi0xLTEtNzE0Nzc0_b44acde4-28d2-4877-931a-a9ea56497711">0.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if09f9d198d9741bcab018cdaf60395a8_D20200101-20201231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzYtMy0xLTEtNzE0Nzc0_8a75545a-e65a-414a-ab83-8c1df3c63919">0.3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Colombian peso</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f18cde2a4414663aff293a20f0aa1f1_D20220101-20221231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzctMS0xLTEtNzE0Nzc0_685c3eab-ecc8-4d92-aa45-76482a0625ec">0.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf899ad12e594721b457da786952d8bf_D20210101-20211231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzctMi0xLTEtNzE0Nzc0_b0fe803f-b163-4f3a-8343-e814d0eeae53">1.1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iac08f9ba708f4dae8f51555349af75c7_D20200101-20201231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzctMy0xLTEtNzE0Nzc0_1e5eb76d-3eb4-4ce1-98e0-73d1eeacca92">1.4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Argentine peso</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88276b18f23e4100a00dca4d421f4593_D20220101-20221231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzgtMS0xLTEtNzE0Nzc0_2f0310ec-35cd-4484-befc-7893994e15ff">1.9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1422989fe438463a8aa328b6baf874b5_D20210101-20211231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzgtMi0xLTEtNzE0Nzc0_c2c18a3c-e3d6-4059-8a7d-3f814d1be6e0">0.6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33527254dc4c4d1cba106c5ba987170b_D20200101-20201231" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV82OTEvZnJhZzo5NjY2ZjEyMWUxZGU0NjM2OWIxMDI1NzJhMjU2OTM4Yi90YWJsZToxYjU5MjRhYTZiNmM0OTM5ODVhZDA2MWQxMWVmOGM5YS90YWJsZXJhbmdlOjFiNTkyNGFhNmI2YzQ5Mzk4NWFkMDYxZDExZWY4YzlhXzgtMy0xLTEtNzE0Nzc0_8a61d775-5344-435d-839d-e1586696906e">0.9</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_694"></div><div style="margin-bottom:13pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.3.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i3a2aede4802244a9b73b2c5008e5851a" continuedAt="i031627ad28354af796a013fbdc4079f7">Equity risk in the banking book</ix:continuation></span></div><ix:continuation id="i031627ad28354af796a013fbdc4079f7" continuedAt="id42ab86d10824ea299eeb73684921fdd"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Equity risk in the banking book refers to the possibility of suffering losses in the value of positions in shares and other equity instruments held in the banking book with long or medium term investment horizons due to fluctuations in the value of equity indexes or shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Group's exposure to structural equity risk arises largely from minority shareholdings held on industrial and financial companies, and in new business (innovation). This exposure is modulated in some portfolios with positions held on derivative instruments on the same underlying assets, in order to adjust the portfolio sensitivity to potential changes in equity prices. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-83</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="id42ab86d10824ea299eeb73684921fdd" continuedAt="i5e387ed1649e49088d0d6a81c18f7f62"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The structural equity risk management is aimed at increasing the income-generating capacity of those shares held by the Group, limiting the capital requirements for equity risk and narrowing the impact on the solvency level through a proactive management of the portfolio using hedges. The function of managing the main structural equity portfolios is a responsibility of the specialized units of the corporate areas of Global ALM, Strategy &amp; M&amp;A and Client Solutions (Banking for Growth Companies). Their activity is subject to the corporate structural equity risk management policy, complying with the defined management principles and Risk Appetite Framework.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The structural equity risk metrics, designed by GRM according to the corporate model, contribute to the effective monitoring of the risk by estimating the sensitivity and the capital necessary to cover the possible unexpected losses due to changes in the value of the shareholdings in the Group's investment portfolio, with a level of confidence that corresponds to the objective rating of the entity, taking into account the liquidity of the positions and the statistical behavior of the assets to be considered</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to analyze the risk profile in depth, stress tests and scenario analysis of sensitivity to different simulated scenarios are carried out. They are based on both past crisis situations and forecasts made by BBVA Research. These analyses are carried out regularly to assess the vulnerabilities of structural equity exposure not contemplated by the risk metrics and to serve as an additional tool when making management decisions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Backtesting is carried out on a regular basis on the risk measurement model used.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Equity markets in Europe and the United States were negatively affected in 2022 by the tightening of financial conditions carried out by the Central Banks due to the rise in inflation. In many cases, the adjustment in share prices is attributed mainly to a correction in the valuation metrics than to a significant deterioration in relation to the expectation of corporate profits. The Spanish stock market closed the year with smaller falls than those presented by the main indices of other geographies in the euro area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Structural equity risk, measured in terms of economic capital, has raised during the last year due to the higher exposure taken. The aggregate sensitivity of the BBVA Group&#8217;s consolidated equity to a 1% fall in the price of shares of the companies making up the equity portfolio increased to &#8364;-24 million as of December 31, 2022, compared to &#8364;-27 million as of December 31, 2021. This estimation takes into account the exposure in shares valued at market prices, or if not applicable, at fair value (excluding the positions in the Treasury Area portfolios) and the net delta-equivalent positions in derivatives on the same underlyings.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_17592186047120"></div><ix:continuation id="i5e387ed1649e49088d0d6a81c18f7f62" continuedAt="ic9ba4a7c306c468db368c0b58c7cb72d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">7.3.4     IBOR reform</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On August 27, 2020, the IASB issued the second phase of the reform of the IBOR reference indices, which involves the introduction of amendments to IFRS 9, IAS 39, IFRS 7, IFRS 4 and IFRS 16, to ensure that the financial statements reflect the economic effects of this reform in the best possible way. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These amendments focus on the accounting for financial instruments, once a new risk-free reference index (Risk Free Rate, hereinafter &#8220;RFR&#8221;) has been introduced. The modifications introduce the accounting relief for changes in the cash flows of financial instruments directly caused by the IBOR reform if they take place in a context of "economic equivalence", by updating the effective interest rate of the instrument. Additionally, they introduce a series of exemptions to the hedging requirements so as not to have to interrupt certain hedging relationships. However, similar to the phase 1 amendments (which entered into force already in 2020) (see Note 15), the phase 2 amendments do not contemplate exceptions to the valuation requirements applicable to hedged items and hedging instruments in accordance with IFRS 9 or IAS 39. Thus, once the new reference index has been implemented, the hedged items and hedging instruments must be valued in accordance with the new index, and the possible ineffectiveness that may exist in the hedge will be recognized in profit or loss. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The IBOR transition to RFR is considered to be a complex initiative, which affects BBVA Group in different geographical areas and business lines, as well as in a multitude of products, systems and processes. The main risks to which the Group is exposed due to the transition are; (1) risk of litigation related to the products and services offered by the Group; (2) legal risks derived from changes in the documentation required for existing operations; (3) financial and accounting risks, derived from market risk models and from the measurement, hedging, cancellation and recognition of the financial instruments associated with the benchmark indices; (4) price risk, derived from how changes in the indices could impact the pricing mechanisms of certain instruments; (5) operational risks, as the reform may require changes to the Group's IT systems, business reporting infrastructure, operational processes and controls, and (6) behavioral risks derived from the potential impact of customer communications during the transition period, which could lead to customer complaints, regulatory penalties or reputational impact. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Group established a transition program, provided with a robust governance structure by means of an Executive Steering Committee, with representation from senior management of the affected areas, which reports directly to the Group's Global Leadership Team. At the local level, each geographical area has defined its own governance structure with the participation of senior management. The coordination among geographical areas is realized through the Project Management Office (PMO) and the Global Working Groups that incorporate a multi-geographic and transversal view on the areas of Legal, Risk, Regulatory, Finance and Accounting and Engineering. The project also involves both Corporate Assurance of the different geographical areas and business lines and Global Corporate Assurance of the Group. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This transition project has taken into account the different approaches and periods of transition to the new RFRs when evaluating the various risks associated with the transition, as well as defining the lines of action in order to mitigate them. BBVA is aligned with the Good Practices issued by the ECB that outline how banks can better structure their governance, identify related risks and create contingent action plans and documentation in relation to the transition of reference rates.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-84</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic9ba4a7c306c468db368c0b58c7cb72d" continuedAt="i5cbf3969d4d440209b31fb3cb7f8f3a9"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The entity has actively collaborated in the IBOR transition, both for its support and participation in the sectorial working groups and for its commitment to remediate the contracts with its counterparties. In this sense, the entity has carried out a process of communication and contact with the counterparties to modify the terms of the contractual relations in such a way that said agreements have been modified using different mechanisms: through the inclusion of addenda to the contracts, by the adherence to industry standard protocols, the transition of operations by clearing house, the cancellation of contracts and subscription of new ones, or by the transition through other legislative mechanisms. This process has been managed through the monitoring mechanisms and indicators that have been developed by the working groups within the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The official discontinuation date for LIBORs exUSD (GBP, CHF, EUR, JPY), LIBOR USD 1-week and 2-month indices was December 31, 2021, and for EONIA was January 3, 2022. However, the Financial Conduct Authority (FCA) and the European Commission have established a legal safeguard in the event that there are some operations that could not be migrated before such discontinuation dates. In the case of the FCA, said legal safeguard, called Synthetic LIBOR, would apply only to contracts referenced to LIBOR GBP and LIBOR JPY in terms of 1, 3 and 6 months, and allows the index to continue to be applied for an additional period. However, the FCA has announced its decision to continue publishing the synthetic LIBOR JPY for all its terms until December 31, 2022, the synthetic LIBOR GBP 1 month and 6 months until March 31, 2023 and the synthetic LIBOR GBP 3 month until March 2024. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the European Commission, through what is known as the "Statutory Fallback", provides a legal safeguard for EONIA contracts and for LIBOR CHF (which entered into force on January 1, 2022), so that in the contracts subject to this measure, said indices are automatically replaced, by legal requirement, with the new indices. BBVA maintains non-significant balances in the aforementioned synthetic LIBOR GBP and synthetic LIBOR JPY, which already have a transition solution communicated and agreed with the clients pending execution in systems at the beginning of 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding LIBOR USD, references will be discontinued in the terms still in force on June 30, 2023 (except for the one-week and two-month terms that were already discontinued in 2021, as we have said previously). Currently the different international regulators are studying the application of legal safeguards similar to the one mentioned above. Such is the case in the United States, where a federal law has already been approved to designate a statutory fallback in contracts that do not contemplate or regulate a transition of the LIBOR USD index.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this regard, the BBVA Group is actively working to modify all its contracts referenced to LIBOR USD to the corresponding RFRs (SOFR). As of December 31, 2022, the Group continues to maintain financial assets and liabilities whose contracts are referenced to LIBOR USD including, among others, for loans, deposits and debt issuances as well as underlying derivative financial instruments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the case of the EURIBOR, the European authorities have encouraged modifications in its methodology so that it meets the requirements of the European Regulation of Reference Indices, so this index does not disappear.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:HedgingInstrumentsAffectedByIborTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RleHRyZWdpb246NTNjOTI1NzNmNzU0NDI4NWFjYjhlYmM4NTg0Nzc5M2RfNTcxNzQ2MDQ2NDQ1ODc_5739bc0a-ec12-41e3-935d-525796af619e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below is the BBVA Group's exposure to financial assets and liabilities maturing after the transition dates of these IBORs to their corresponding RFRs. The table shows, in the case of loans and advances, asset and liability debt instruments, deposits and commitments, their gross amounts and, in the case of derivatives, their notional value, in each case as of December 31, 2022: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:36.188%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.226%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Millions of Euros </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans &amp; Advances</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt Securities Assets</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt Securities Issued (Liabilities)</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deposits</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives (notional)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Synthetic LIBOR GBP and JPY</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0427023645654114a0dbc8c06bf6bda3_D20220101-20221231" decimals="-6" name="bbva:SyntheticLIBORGBPAndJPY" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfMy0xLTEtMS0xMjE1OTQ5_ff8f4402-bb63-4e5e-b7e2-3d212b9274a8">76</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28d3526bea8e4e9aa5f111e361e57c22_D20220101-20221231" decimals="-6" name="bbva:SyntheticLIBORGBPAndJPY" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfMy0yLTEtMS0xMjE1OTQ5_156a2c85-20e2-4cd3-83f0-bc42e64b839c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13050d8e1aec436cab71bda8424017bc_D20220101-20221231" decimals="-6" name="bbva:SyntheticLIBORGBPAndJPY" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfMy0zLTEtMS0xMjE1OTQ5_b3c65c4a-9d12-43d7-b0e6-009709f0b194">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia12873147a374b8a8bb547982fd4130f_D20220101-20221231" decimals="-6" name="bbva:SyntheticLIBORGBPAndJPY" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfMy00LTEtMS0xMjE1OTQ5_0fa9db1f-cbc9-4557-bea6-3374008cf4c7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacaaf8af33864cc294ce44c73ec55398_D20220101-20221231" decimals="-6" name="bbva:SyntheticLIBORGBPAndJPY" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfMy01LTEtMS0xMjE1OTQ5_ebc5736c-0526-4d4e-a587-afa0ddf5b4c5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIBOR USD with maturity &gt; June 30, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0427023645654114a0dbc8c06bf6bda3_D20220101-20221231" decimals="-6" name="bbva:LIBORUSDMaturityAfterJune302023" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNC0xLTEtMS0xMjE1OTQ5_81232d19-4d58-4b57-b414-7802d0e2bf18">16,539</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28d3526bea8e4e9aa5f111e361e57c22_D20220101-20221231" decimals="-6" name="bbva:LIBORUSDMaturityAfterJune302023" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNC0yLTEtMS0xMjE1OTQ5_c640d86e-736e-4fef-99df-4dd5e6d9e197">171</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13050d8e1aec436cab71bda8424017bc_D20220101-20221231" decimals="-6" name="bbva:LIBORUSDMaturityAfterJune302023" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNC0zLTEtMS0xMjE1OTQ5_e1a1eef0-4a65-4775-842b-647d9993c027">1,977</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia12873147a374b8a8bb547982fd4130f_D20220101-20221231" decimals="-6" name="bbva:LIBORUSDMaturityAfterJune302023" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNC00LTEtMS0xMjE1OTQ5_6a80dbb0-2558-4451-859b-def204c8c8d8">159</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacaaf8af33864cc294ce44c73ec55398_D20220101-20221231" decimals="-6" name="bbva:LIBORUSDMaturityAfterJune302023" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNC01LTEtMS0xMjE1OTQ5_ded5e649-ea02-4b68-9beb-1e286b7f0c09">423,468</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0427023645654114a0dbc8c06bf6bda3_D20220101-20221231" decimals="-6" name="bbva:TotalGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNS0xLTEtMS0xMjE1OTQ5_a0309fe5-351b-4860-83b1-cd33b593c7a6">16,615</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28d3526bea8e4e9aa5f111e361e57c22_D20220101-20221231" decimals="-6" name="bbva:TotalGrossCarryingAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNS0yLTEtMS0xMjE1OTQ5_21ca1622-166d-4c2e-a0e0-ac614fb9422c">171</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13050d8e1aec436cab71bda8424017bc_D20220101-20221231" decimals="-6" name="bbva:TotalGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNS0zLTEtMS0xMjE1OTQ5_40a08499-99a3-416f-b13d-5cd6274856b3">1,977</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia12873147a374b8a8bb547982fd4130f_D20220101-20221231" decimals="-6" name="bbva:TotalGrossCarryingAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNS00LTEtMS0xMjE1OTQ5_179bd865-2084-4c29-a20c-85c558472e9e">159</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacaaf8af33864cc294ce44c73ec55398_D20220101-20221231" decimals="-6" name="bbva:TotalGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xNzU5MjE4NjA0NzEyMC9mcmFnOjUzYzkyNTczZjc1NDQyODVhY2I4ZWJjODU4NDc3OTNkL3RhYmxlOjBjYzIyMGY3NWYwOTRiYjVhNjQ2MTQ1NjE3N2E0MTMzL3RhYmxlcmFuZ2U6MGNjMjIwZjc1ZjA5NGJiNWE2NDYxNDU2MTc3YTQxMzNfNS01LTEtMS0xMjE1OTQ5_afe95896-3c8a-46bf-9499-58cf67b85803">423,468</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The 96% of the exposure of derivative instruments is either settled by Clearing Houses (mainly the London Clearing House) or are operations with counterparties currently adhering to the International Swaps and Derivatives Association (ISDA) protocols, specifically the following: ISDA 2020 IBOR Fallback Protocol and June 2022 Benchmark Module of the ISDA 2021 Fallback Protocol.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_697"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:14.46pt"><ix:continuation id="i5cbf3969d4d440209b31fb3cb7f8f3a9" continuedAt="ie9c278b29b9f4da988a3a5b4842c0071">Market risk</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="ie9c278b29b9f4da988a3a5b4842c0071" continuedAt="i191a181d00974e66972db6780f0aaf17">Market risk originates from the possibility of experiencing losses in the value of positions held as a result of movements in market variables that affect the valuation of financial assets and liabilities. Market risk in the Group's trading portfolios stems mainly from the portfolios originated by Global Markets valued at fair value and held for the purpose of trading and generating short-term results. Market risk in the field of banking book is clearly and distinctly addressed and can be broken down into structural risks relating to interest rate and credit spread, exchange rate and equity (see Note 7.3).</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_700"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.4.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i191a181d00974e66972db6780f0aaf17" continuedAt="i1e39e7492a1842fdba86ce4f7fd665ce">Market risk in trading portfolios </ix:continuation></span></div><ix:continuation id="i1e39e7492a1842fdba86ce4f7fd665ce" continuedAt="i7acd385892b64a24b2ca40b5653813d8"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main risks in the trading portfolios can be classified as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Interest-rate risk: This arises as a result of exposure to movements in the different interest-rate curves involved in trading. Although the typical products that generate sensitivity to the movements in interest rates are money-market products (deposits, interest-rate futures, call money swaps, etc.) and traditional interest-rate derivatives (swaps and interest-rate options such as caps, floors, swaptions, etc.), practically all the financial products are exposed to interest-rate movements due to the effect that such movements have on the valuation of the financial discount.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-85</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i7acd385892b64a24b2ca40b5653813d8" continuedAt="i99e0a4b9eba34361886e1f18dfb655c7"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Equity risk: This arises as a result of movements in share prices. This risk is generated in spot positions in shares or any derivative products whose underlying asset is a share or an equity index. Dividend risk is a sub-risk of equity risk, arising as an input for any equity option. Its variation may affect the valuation of positions and it is therefore a factor that generates risk on the books.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Exchange-rate risk: This is caused by movements in the exchange rates of the different currencies in which a position is held. As in the case of equity risk, this risk is generated in spot currency positions, and in any derivative product whose underlying asset is an exchange rate. In addition, the quanto effect (operations where the underlying asset and the instrument itself are denominated in different currencies) means that in certain transactions in which the underlying asset is not a currency, an exchange-rate risk is generated that has to be measured and monitored.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Credit-spread risk: Credit spread is an indicator of an issuer's credit quality. Spread risk occurs due to variations in the levels of spread of both corporate and government issues, and affects positions in bonds and credit derivatives.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Volatility risk: This occurs as a result of changes in the levels of implied price volatility of the different market instruments on which derivatives are traded. This risk, unlike the others, is exclusively a component of trading in derivatives and is defined as a first-order convexity risk that is generated in all possible underlying assets in which there are products with options that require a volatility input for their valuation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The metrics developed to assess market risk in the BBVA Group are aligned with market practices and are implemented consistently across all the local market risk units. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Measurement procedures are established in terms of the possible impact of negative market conditions on the trading portfolio of the Group's Global Markets units, both under ordinary circumstances and in situations of heightened risk factors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The standard metric used to measure market risk is Value at Risk (hereinafter &#8220;VaR&#8221;), which indicates the maximum loss that may occur in the portfolios at a given confidence level (99%) and time horizon (one day). This statistic value is widely used in the market and has the advantage of summing up in a single metric the risks inherent to trading activity, taking into account how they are related and providing a prediction of the loss that the trading book could sustain as a result of fluctuations in equity prices, interest rates, foreign exchange rates and credit spreads. Additionally, for certain positions, other risks need to be considered, such as a credit spread, base, volatility or correlation risk. </span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">With respect to the risk measurement models used by the BBVA Group, the Bank of Spain has authorized the use of the internal market risk model to determine bank capital requirements deriving from risk positions on the BBVA, S.A. and BBVA Mexico trading book, which jointly accounted for around 63%, 77% and 72% of the Group&#8217;s trading-book market risk as of December 31, 2022, 2021 and 2020. For the rest of the geographical areas where the Group operates (applicable mainly to the Group&#180;s South America subsidiaries and Garanti BBVA), bank capital for the risk positions in the trading book is calculated using the Standardized Approach defined by the Basel Committee on Banking Supervision (which is referred to herein as the "standard model&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The current management structure includes the monitoring of market-risk limits, consisting of a scheme of limits based on specific metrics according to market activities, (VaR (Value at Risk), economic capital, as well as stop-loss limits for each of the Group&#8217;s business units). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The model used estimates VaR in accordance with the historical simulation methodology, which involves estimating losses and gains that would have taken place in the current portfolio if the changes in market conditions that took place over a specific period of time in the past were repeated. Based on this information, it predicts the maximum expected loss of the current portfolio within a given confidence level. This model has the advantage of reflecting precisely the historical distribution of the market variables and not assuming any specific distribution of probability. The historical period used in this model is two years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">VaR figures are estimated with the following methodologies:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">VaR without smoothing, which awards equal weight to the daily information for the previous two years. This is currently the official methodology for measuring market risks for the purpose of monitoring compliance with risk limits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">VaR with smoothing, which gives a greater weight to more recent market information. This metric supplements the previous one. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The use of VaR by historical simulation methodology as a risk metric has many advantages, but also certain limitations, among which it is worth highlighting:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The estimate of the maximum daily loss of the Global Markets portfolio positions (with a confidence level of 99%) depends on the market movements of the last two years, not picking up the impact of large market events if they have not occurred within that historical window</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The use of the 99% confidence level does not consider potential losses that can occur beyond this level. To mitigate this limitation, different stress exercises are also performed, as described later.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the same time, and following the guidelines established by the Spanish and European authorities, BBVA incorporates metrics in addition to VaR with the aim of meeting the Bank of Spain's regulatory requirements with respect to the calculation of bank capital for the trading book. Specifically, the measures incorporated in the Group since December 2011 (stipulated by Basel 2.5) are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">VaR: In regulatory terms, the VaR charge incorporates the stressed VaR charge, and the sum of the two (VaR and stressed VaR) is calculated. This quantifies the losses associated with the movements of the risk factors inherent to market operations (including interest-rate risk, exchange-rate risk, equity risk and credit risk, among others). Both VaR and stressed VaR are rescaled by a regulatory multiplier (between three and four) and by the square root of ten to calculate the capital charge.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-86</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i99e0a4b9eba34361886e1f18dfb655c7" continuedAt="i220b651910d34b36a866ace3ce737487"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Specific Risk - Incremental Risk Capital (&#8220;IRC&#8221;). Quantification of the risks of default and changes of the credit ratings of the bond and derivative positions and debt funds with daily look-through or significant benchmark (correlation &gt; 90%) in the trading portfolio. The IRC charge is exclusively applied in entities in respect of which the internal market risk model is used (i.e. BBVA, S.A. and BBVA Mexico). The IRC charge is determined based on the associated losses (calculated at 99.9% confidence level over a one year horizon under the hypothesis of constant risk) due to a rating change and/or default of the issuer with respect to an asset. In addition, the price risk is included in sovereign positions for the specified items.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Specific Risk: Securitization, correlation portfolios and Investment funds without look-through. Capital charges for securitizations and correlation portfolios are assessed based on the potential losses associated with the occurrence of a credit event in the underlying exposures. They are calculated by the standard model. The scope of the correlations portfolios refers to the First To Default (FTD)-type market operation and/or tranches of market CDOs and only for positions with an active market and hedging capacity. Capital charge for Funds include losses associated with volatility and credit risk of the underling positions of the fund. All charges are calculated by the standard model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Validity tests are performed regularly on the risk measurement models used by the Group. They estimate the maximum loss that could have been incurred in the assessed positions with a certain level of probability (backtesting), as well as measurements of the impact of extreme market events on risk positions (stress testing). As an additional control measure, backtesting is conducted at a trading desk level in order to enable more specific monitoring of the validity of the measurement models.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Market risk in 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group&#8217;s market risk related to its trading portfolio remained in 2022 at low levels compared to other risks managed by BBVA, particularly credit risk. This is due to the nature of the business. In 2022, the average VaR was &#8364;27 million, below the figure of 2021, with a maximum level in the year reached on January 12, 2022 of &#8364;36 million. The evolution in the BBVA Group&#8217;s market risk during 2022, measured as VaR without smoothing (see Glossary) with a 99% confidence level and a 1-day horizon (shown in Millions of Euros) is as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><img src="bbva-20221231_g3.jpg" alt="bbva-20221231_g3.jpg" style="height:380px;margin-bottom:5pt;vertical-align:text-bottom;width:650px"/></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">By type of market risk assumed by the Group's trading portfolio, the main risk factor for the Group continued to be that linked to interest rates, with a weight of 54% of the total at December 31, 2022 (this figure includes the spread risk). The relative weight of this risk has slightly decreased compared with the close of 2021 (57%). Exchange-rate risk accounted for 22% of the total risk, increasing its weight with respect to December 2021 (16%), while equity, volatility and correlation risk has increased, with a weight of 11% at the close of 2022 (vs. 9% at the end of 2021).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-87</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i220b651910d34b36a866ace3ce737487" continuedAt="ifdd967c4dcf942739a9b9f9405e511da"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:VaRByRiskFactorTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90ZXh0cmVnaW9uOmUyMTRhOWJhOGQxMzQ1MzE4YjBmNGIyNzg4ZjRjMzc0XzU5Mw_373a8b91-36db-4a80-8e9a-2e01d83f694c" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020 the VaR was &#8364;29 million, &#8364;31 million and &#8364;28 million, respectively, with the following breakdown:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:24.940%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.230%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">VaR by Risk Factor (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest/Spread risk</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Currency risk</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stock-market risk</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Vega/Correlation risk</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Diversification effect </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR average in the year</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72290614c0544c8fadaf74e8bafd44d6_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzMtMS0xLTEtNzE0Nzc0_555df378-317e-478c-8752-f5171b1ce255">33</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18cbd66dbd6644339876fc3d56db430d_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzMtMi0xLTEtNzE0Nzc0_226f20c7-781a-45d6-897d-39eb7ed2c476">8</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8e9bb08b74a4e8fb365204adf8fe5d4_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzMtMy0xLTEtNzE0Nzc0_dd188bba-97b4-4df7-9ea3-d89ea56af523">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97793b6f74a44108b853f07ec6fe1846_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzMtNC0xLTEtNzE0Nzc0_c24236d9-7349-4cd9-b7bf-b55ca11190ff">7</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6545148f610141f58c4c08abf9a1b4d0_I20221231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzMtNS0xLTEtNzE0Nzc0_91028056-cb6d-4db5-a6c9-ef4d1539d513">23</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5bbfb26eee0f40d994513d7e76455532_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzMtNi0xLTEtNzE0Nzc0_3834b975-f8c6-4517-a84b-632406a99fd5">27</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR max in the year</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1660255b46e0442e8a5b45196a65f2a9_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzQtMS0xLTEtNzE0Nzc0_0d708fa4-0011-462b-839c-41127301d25e">35</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib31d1a9baf8a43c7a249c961348577cd_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzQtMi0xLTEtNzE0Nzc0_94e5f95c-e002-4352-ba95-d6d0ec3a7555">12</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic83466d57b2046c285e875bdafe97981_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzQtMy0xLTEtNzE0Nzc0_bcacee39-7f89-4c2c-9099-c63546d61283">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iceba061955d64c40bbca8c7c641d0049_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzQtNC0xLTEtNzE0Nzc0_5c660aac-ed4c-4e16-b712-ddf497451d4b">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iac2dbafb1376450f8123ad3c0de0d53e_I20221231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzQtNS0xLTEtNzE0Nzc0_9c7829e3-6686-44b3-959a-ae70f78a04ae">24</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34679225e46f4b8794d75a7444ab3b93_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzQtNi0xLTEtNzE0Nzc0_cef053d9-d059-47e1-8f9d-139d55b80490">36</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR min in the year</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99b2adcc91cc4cf592893327e92afe08_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzUtMS0xLTEtNzE0Nzc0_0dd8cc7c-d282-46dd-b44b-a5df36505429">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42d6d407eb1d4d89b6f0260438a99ece_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzUtMi0xLTEtNzE0Nzc0_bdd195aa-3f33-40c7-9a7b-979822bfbb2c">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iac9d1cf232a9481f828c3b7e322e9253_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzUtMy0xLTEtNzE0Nzc0_9101c082-cf05-421d-96e7-ba7211e04f38">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie40f0295db3742f0b4704cf3646bfae4_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzUtNC0xLTEtNzE0Nzc0_3a0c820d-0c96-4814-8953-483f5656c671">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie2f9951175174ef78a49546fe4dc00dd_I20221231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzUtNS0xLTEtNzE0Nzc0_712d3f26-7f37-45d0-b7a8-9fd34610f8b7">28</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88a1c25cd8a44987ac2cb2f814fbe73a_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzUtNi0xLTEtNzE0Nzc0_8357cbfd-6cdb-4c8d-95cc-f4010cfe3353">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">End of period VaR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic247ba986bbb41d4ac30a66987827b4d_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzYtMS0xLTEtNzE0Nzc0_24585a16-0955-4325-82a9-254695716aef">32</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id170e9b030784333afc8aca1ad2b2e74_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzYtMi0xLTEtNzE0Nzc0_d1cdfd68-e09c-4184-b2e3-2a45843bfe88">13</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d7f7d872f5d4efe8554f5a6722afe7e_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzYtMy0xLTEtNzE0Nzc0_f142b7c2-ff97-4adb-ad42-2ddf771a800f">7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f5b981c0dba403bbf867214a49f2805_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzYtNC0xLTEtNzE0Nzc0_34af0c8d-08ef-4263-ab1f-48c6bf71b7f6">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb48191d4ea74733ad315ca4c3659ebb_I20221231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzYtNS0xLTEtNzE0Nzc0_126d2406-48ca-48cc-8c24-82f3bc1920e9">28</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4fbc879b16574d369fc941c1fce85ec5_I20221231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzYtNi0xLTEtNzE0Nzc0_7a1ddf28-c075-476b-b0f3-cdf9a865f35b">29</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR average in the year</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia55c50a744bf4721b451ae0b3e38c2af_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzktMS0xLTEtNzE0Nzc0_d3120c28-cbba-4a73-b78a-a0ad7e9e530d">33</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb3fc7f0523a4441af337a3339441407_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzktMi0xLTEtNzE0Nzc0_906c60c0-03ea-4d9d-b2c3-09b27561fece">10</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5df48f4474fc4a9da7b0a5a9fe9fd7ee_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzktMy0xLTEtNzE0Nzc0_e2d45f99-69cf-4959-8388-511e88c6aae2">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4668c54003ab4432a37f2b49637a5729_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzktNC0xLTEtNzE0Nzc0_c2f5b033-cb51-446d-a7e3-5e321bbb7c06">11</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5e7011279646446ca7beed5adbfd23d2_I20211231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzktNS0xLTEtNzE0Nzc0_c206b4aa-e5ba-4193-9479-2a7f3c086125">28</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3242bc80d00f4a91abe7b26f0b37b0d8_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzktNi0xLTEtNzE0Nzc0_0c42c840-5014-4764-953a-f09eb580ce82">29</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR max in the year</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3510fe342bb45c6a8e5fafcaf2b4cf0_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEwLTEtMS0xLTcxNDc3NA_48f7d277-7e88-4b97-9e34-49e6df025402">32</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa073b143f004aee8e0b4bc8de676633_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEwLTItMS0xLTcxNDc3NA_f50c415a-43ff-4438-a69d-5f0d986b1e02">13</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06be93dcebb04a978f9430e47b53c632_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEwLTMtMS0xLTcxNDc3NA_a83ce014-e5a8-4eb7-918f-a7ee9ca0d52a">4</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fed8f039c6c4ed490e4fa60de455c4f_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEwLTQtMS0xLTcxNDc3NA_ce87a905-ce70-4fb5-84b8-dae9e2cdc522">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ief061871fd634cf180e534d0ab488085_I20211231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEwLTUtMS0xLTcxNDc3NA_cc65927c-62b1-4995-bfc9-1d8698f864f5">14</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddd186db33c543e8b0df92ce8462f81b_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEwLTYtMS0xLTcxNDc3NA_96806a1a-2c29-4f4c-aff7-7b1664579c5d">36</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR min in the year</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17003e7c9c014516b982c17fd16000dd_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzExLTEtMS0xLTcxNDc3NA_cda09f5d-1eec-4edd-88f1-26c03a6c7e61">27</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a07dad4c89e40f28a21ddc196ac7fcb_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzExLTItMS0xLTcxNDc3NA_09dbf751-ad34-433d-8638-f0f31eba5e9f">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifda5e2d592c74c03b23ba94b22f1fbe9_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzExLTMtMS0xLTcxNDc3NA_15817309-9253-4cd4-9cda-8cb06cca7b20">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4516e5bd005740479f373f9abdba6689_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzExLTQtMS0xLTcxNDc3NA_b2def981-ffa5-457f-ae3d-cd2e838e988a">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i73fba386bc5046fca2052961c0ff2080_I20211231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzExLTUtMS0xLTcxNDc3NA_a85218d6-416e-4b4d-b05e-525d2cecec6a">25</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i04d6b36ac0364b63a7e526a3aed549a6_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzExLTYtMS0xLTcxNDc3NA_64f3beaa-c145-4997-a798-c5e7b4bc7057">22</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">End of period VaR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0da1790817b54a9bbf61d60beacd83d5_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEyLTEtMS0xLTcxNDc3NA_d6366d4a-c9e0-43a0-bf7c-5a785bcb4b52">34</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e0cd16ab9dd493ab9c540fde38f239c_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEyLTItMS0xLTcxNDc3NA_d9684c96-7537-4315-98a1-9cc2e2b25e86">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff544a7ea5834792a7b73d8e42259119_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEyLTMtMS0xLTcxNDc3NA_e2e81baa-aace-4c6d-8cb4-a6e416748df2">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if77ebf281f6e475e953e10f02ced26e9_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEyLTQtMS0xLTcxNDc3NA_bd0c4c83-a26f-4bcd-97ab-6c497de28de5">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7d8e9ea693da4dba945fecaa2255d964_I20211231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEyLTUtMS0xLTcxNDc3NA_44719e57-78b4-4897-990c-23931c146465">29</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idedeeacfe54b4564b5553f6dfa436b68_I20211231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzEyLTYtMS0xLTcxNDc3NA_ff410e1f-1104-4b41-b297-46c8887c3193">31</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR average in the year</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b8e8aa6212642cb93b115e31437a760_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE1LTEtMS0xLTcxNDc3NA_2bc42e5a-c534-4ae9-bf8a-e456606376bc">29</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1eaa3d71949343bd959677befb6f0806_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE1LTItMS0xLTcxNDc3NA_ad14abf7-34f4-483b-a499-b1ba4070faef">12</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if07fdbde22a74148a2878a47042c8e8a_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE1LTMtMS0xLTcxNDc3NA_c7f4f5bd-3dc9-4eab-9b42-125fbe2e9d65">4</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i025d0fa7f1bf4797bda78196026a0c72_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE1LTQtMS0xLTcxNDc3NA_ba8df4cc-aba2-4bf7-8656-f0faff5e137d">11</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i21920499488b4c5c87c5401baf26f00d_I20201231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE1LTUtMS0xLTcxNDc3NA_1ae3dede-f5ef-49f5-a042-15290d50cac0">28</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b4e54733aa9497eacbb18ec19ffa2f7_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE1LTYtMS0xLTcxNDc3NA_58ed37c3-7e9f-486a-90fb-0791078e4a44">27</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR max in the year</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i950cf45d6d904678af99828c41c56b3e_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE2LTEtMS0xLTcxNDc3NA_e98cfccc-413b-4395-ae78-5d69b77145c6">39</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76571ef2310a4ff59d9bd607cf7d20b7_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE2LTItMS0xLTcxNDc3NA_a7824d10-5b88-48ca-9ea9-aa5dc406dce2">20</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2bd757399ae483a93fb8c9434a60336_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE2LTMtMS0xLTcxNDc3NA_4d6cc0b8-a2ea-4acb-84a3-e4f6e1dbcc9d">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35f064361b9d4ada825791cf46a13a68_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE2LTQtMS0xLTcxNDc3NA_50101975-9c33-4357-9a7d-b8439b5b70e6">20</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6313a71e8e7446e2a36a19c4973908e8_I20201231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE2LTUtMS0xLTcxNDc3NA_f0878230-cf39-4e63-906b-914b11ad46f5">14</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i752482af0cf8481fb57ec67a0977e967_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE2LTYtMS0xLTcxNDc3NA_095fd342-7f13-4678-9783-1b523431186b">39</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VaR min in the year</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabdc25e1949d4bcd9ee5f6508bd2553e_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE3LTEtMS0xLTcxNDc3NA_a11f8284-5551-4d4c-8b57-8b824df79875">20</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i647092c736224255bae5ca8faa6ed275_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE3LTItMS0xLTcxNDc3NA_272a19a6-f6ef-43b4-b2bf-1fe4761f5a96">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i789e3e968d97465bb5561271c2b33510_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE3LTMtMS0xLTcxNDc3NA_a906e08b-1ad7-4f9e-9216-72b6d9746d87">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffdf5bcaccb140a8a9698c8daa3ac5d0_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE3LTQtMS0xLTcxNDc3NA_b600fe83-9457-4d6c-9226-4292e3848c3b">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i91d8b73f36e549be8d06848eac89e346_I20201231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE3LTUtMS0xLTcxNDc3NA_843009d5-3100-4d8b-961f-f07fd82a7451">39</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0002f028df5d47cfaec4cf035f63d3b8_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE3LTYtMS0xLTcxNDc3NA_78a1b78b-0862-4dfd-8a99-ae81f760f52b">18</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">End of period VaR</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i898db8a4902141b4bbe896c1e1a4f8b5_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE4LTEtMS0xLTcxNDc3NA_09991531-8f20-47ca-b354-bf0e57993458">32</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b0face792b74d5ba9b6edb4806e7cf8_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE4LTItMS0xLTcxNDc3NA_4d096960-0747-430e-9de7-000888a6b0ef">12</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc8e1447983e4180bc849ceacb0fe961_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE4LTMtMS0xLTcxNDc3NA_fd97eee4-49c3-493e-89a8-2ff875aff8d2">2</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf3dcb7718bf46a9ab83f1bbff543761_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE4LTQtMS0xLTcxNDc3NA_2d8de373-8715-4d51-8e9f-f8956dd0a276">11</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i745968e8ecf0426db8fa12ef7b0d5ca9_I20201231" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE4LTUtMS0xLTcxNDc3NA_128480e4-a580-4c11-a9a0-f85f290eda38">29</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1e34d7a95ec1443b8f5250183b95795b_I20201231" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTpjY2QyZDBkMjQ0YTY0ODFlOTgyY2U0OTY1ZmY5YjdmOS90YWJsZXJhbmdlOmNjZDJkMGQyNDRhNjQ4MWU5ODJjZTQ5NjVmZjliN2Y5XzE4LTYtMS0xLTcxNDc3NA_c5b4f0a9-6583-473b-b30e-28b8bf562b9a">28</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90ZXh0cmVnaW9uOmUyMTRhOWJhOGQxMzQ1MzE4YjBmNGIyNzg4ZjRjMzc0XzU3MTc0NjA0NjQ3MDE0_0b8d6dd5-100c-4fe8-971b-7b901a23f242" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The diversification effect is the difference between the sum of the average individual risk factors and the total VaR figure that includes the implied correlation between all the variables and scenarios used in the measurement.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Validation of the internal market risk model</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The internal market risk model is validated on a regular basis by backtesting in both, BBVA, S.A. and Global Markets Mexico (in BBVA Mexico). The aim of backtesting is to validate the quality and precision of the internal market risk model used by BBVA Group to estimate the maximum daily loss of a portfolio, at a 99% level of confidence and a 250-day time horizon, by comparing the Group's results and the risk measurements generated by the internal market risk model. These tests showed that the internal market risk model of both, BBVA, S.A. and Global Markets Mexico is adequate and precise.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Two types of backtesting have been carried out in 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">"Hypothetical" backtesting: the daily VaR is compared with the results obtained, not taking into account the intraday results or the changes in the portfolio positions. This validates the appropriateness of the market risk metrics for the end-of-day position.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">"Real" backtesting: the daily VaR is compared with the total results, including intraday transactions, but discounting the possible minimum charges or fees involved. This type of backtesting includes the intraday risk in portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, each of these two types of backtesting was carried out at a risk factor or business type level, thus making a deeper comparison of the results with respect to risk measurements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the period between the year ended December 31, 2021 and the year ended December 31, 2022, the backtesting of the internal VaR calculation model was carried out, comparing the daily results obtained to the risk level estimated by the internal VaR calculation model. In that period, there was no negative exception in BBVA, S.A. In BBVA Mexico, there were two negative exceptions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the end of the year the comparison showed the internal VaR calculation model was working correctly, within the "green" zone (0-4 exceptions), thus validating the internal VaR calculation model, as has been the case each year since the internal market risk model was approved for the Group. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Stress testing analysis</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A number of stress tests are carried out on the BBVA Group's trading portfolios. First, global and local historical scenarios are used that replicate the behavior of an extreme past event, such as for example the collapse of Lehman Brothers or the "Tequilazo" crisis. These stress tests are complemented with simulated scenarios, where the aim is to generate scenarios that have a significant impact on the different portfolios, but without being anchored to any specific historical scenario. Finally, for some portfolios or positions, fixed stress tests are also carried out that have a significant impact on the market variables affecting these positions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Historical scenarios</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The historical benchmark stress scenario for the BBVA Group is Lehman Brothers, whose sudden collapse in September 2008 led to a significant impact on the behavior of financial markets at a global level. The following are the most relevant effects of this historical scenario:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Credit shock: reflected mainly in the increase of credit spreads and downgrades in credit ratings. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-88</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ifdd967c4dcf942739a9b9f9405e511da" continuedAt="ida78d09759694f0aa07993eb41a8aa9c"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Increased volatility in most of the financial markets (giving rise to a great deal of variation in the prices of different assets (currency, equity, debt).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Liquidity shock in the financial systems, reflected by a major movement in interbank curves, particularly in the shortest sections of the euro and dollar curves.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Simulated scenarios</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Unlike the historical scenarios, which are fixed and therefore not suited to the composition of the risk portfolio at all times, the scenario used for the exercises of economic stress is based on resampling methodology. This methodology is based on the use of dynamic scenarios that are recalculated periodically depending on the main risks affecting the trading portfolios. On a data window wide enough to collect different periods of stress (data are taken from January 1, 2008 until the date of the assessment), a simulation is performed by resampling of historic observations, generating a distribution of losses and gains that serve to analyze the most extreme of births in the selected historical window. The advantage of this methodology is that the period of stress is not predetermined, but depends on the portfolio maintained at each time, and making a large number of simulations (10,000 simulations) allows a greater richness of information for the analysis of expected shortfall than what is available in the scenarios included in the calculation of VaR.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main features of this approach are: a) the generated simulations respect the correlation structure of the data, b) there is flexibility in the inclusion of new risk factors and c) it allows the introduction of a lot of variability in the simulations (desirable for considering extreme events).</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ImpactOfTheStressTestTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90ZXh0cmVnaW9uOmUyMTRhOWJhOGQxMzQ1MzE4YjBmNGIyNzg4ZjRjMzc0XzU5NQ_56ccc0be-74ad-49a1-b5d0-c91f1dc7bd1f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The impact of the stress test under multivariable simulation of the risk factors of the portfolio based on the expected shortfall (expected shortfall calculated at a 97.5% confidence level, 20 days) as of December 31, 2022 is as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:20.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.149%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact of the stress test (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Europe</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peru</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Venezuela</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Argentina</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected shortfall</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i85a5316a4cda4c1595fdedd74fc6d92b_I20221231" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItMS0xLTEtNzE0Nzc0_a17c1b36-59ec-436a-9bdc-4ccb18e95719">86</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i22e84a0ca7d14866aede340d8676c112_I20221231" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItMi0xLTEtNzE0Nzc0_6b81ff42-e2ad-4855-96b4-ad372ecdec36">42</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibba5fa0c584642e88f8554d99af770c2_I20221231" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItMy0xLTEtNzE0Nzc0_d3451ae4-542a-4fc5-b2f4-5baf7ee47e8b">7</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28da7b8b4e10400c900c3763807b65ca_I20221231" decimals="-6" name="bbva:ExpectedShortfall" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItNC0xLTEtNzE0Nzc0_6f6bd643-db28-499d-97e2-614e379055ea">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4af88d883247458bb04a187267a40fbb_I20221231" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItNS0xLTEtNzE0Nzc0_4810cd7a-89d9-40c7-8717-8085fb580e9c">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if48a68860a6c4c8faf4ecd88da41915d_I20221231" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItNi0xLTEtNzE0Nzc0_2d6bea88-a63c-4f5b-87c4-3b6c330bd7b6">4</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia415f5f8708d4530b5224a9a50df465c_I20221231" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDAvZnJhZzplMjE0YTliYThkMTM0NTMxOGIwZjRiMjc4OGY0YzM3NC90YWJsZTowYjBlNTI2MjE5ZmY0OTI5ODI4YjM0N2IyNGI1MGU1NC90YWJsZXJhbmdlOjBiMGU1MjYyMTlmZjQ5Mjk4MjhiMzQ3YjI0YjUwZTU0XzItNy0xLTEtNzE0Nzc0_341ce419-3ba3-4dc2-9117-d0289eeb1717">22</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_703"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.4.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"><ix:continuation id="ida78d09759694f0aa07993eb41a8aa9c" continuedAt="ic59ae0a77dc7479781552812fddfe112">Financial instruments offset</ix:continuation></span></div><ix:continuation id="ic59ae0a77dc7479781552812fddfe112" continuedAt="i176e070b6aec4e45997730b871971e5a"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets and liabilities may be netted in certain cases. In particular, they are presented for a net amount on the consolidated balance sheet only when the Group's entities satisfy the provisions of IAS 32, so they have both the legal right to net recognized amounts, and the intention of settling the net amount or of realizing the asset and simultaneously paying the liability.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, the Group has presented as gross amounts assets and liabilities on the consolidated balance sheet for which there are master netting arrangements in place, but for which there is no intention of settling the net amount. The most common types of events that trigger the netting of reciprocal obligations are bankruptcy of the entity, surpassing certain level of indebtedness threshold, failure to pay, restructuring and dissolution of the entity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the current market context, derivatives are contracted under different framework contracts being the most widespread the ones developed by the International Swaps and Derivatives Association (&#8220;ISDA&#8221;) and, for the Spanish market, the Framework Agreement on Financial Transactions (&#8220;CMOF&#8221;). Almost all portfolio derivative transactions have been concluded under these framework contracts, including in them the netting clauses mentioned in the preceding paragraph as "Master Netting Agreement", greatly reducing the credit exposure on these instruments. Additionally, in contracts signed with counterparties, the collateral agreement annexes called Credit Support Annex (&#8220;CSA&#8221;) in ISDA and Appendix III in CMOF are included, thereby minimizing exposure to a potential default of the counterparty.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, many of the transactions involving assets purchased or sold under a repurchase agreement are transacted through clearing houses that articulate mechanisms to reduce counterparty risk, as well as through the signing of various master agreements for bilateral transactions, the most widely used being the Global Master Repurchase Agreement (GMRA), published by the International Capital Market Association (&#8220;ICMA&#8221;), to which the clauses related to the collateral exchange are usually added within the text of the master agreement itself. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-89</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i176e070b6aec4e45997730b871971e5a" continuedAt="ib1dd26c5bb604f049b850a873bfe0989"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90ZXh0cmVnaW9uOmRiODg4YjU5ZDYzMDQ0Y2NhMmZmODM5M2E0MTViYzczXzQw_d2b8ea0e-40bd-4b5a-ae73-855c03b9c7ae" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A summary of the effect of offsetting (via netting and collateral) for derivatives and securities operations is presented below as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"><tr><td style="width:1.0%"></td><td style="width:30.014%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.271%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.271%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.271%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.271%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.271%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.275%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effect of offsetting for derivatives and securities operation (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amounts not offset in the consolidated balance sheets (D)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amounts recognized (A)</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amounts offset in the consolidated balance sheets (B)</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amount presented in the consolidated balance sheets (C=A-B)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash collateral received/ pledged</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amount (E=C-D)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and hedging derivatives</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 / 15</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8711a767f47a45ecb43b42b66cd4bfb5_I20221231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzQtMi0xLTEtNzE0Nzc0_cae17b0e-1eee-488b-bab8-72fe30c351a8">52,354</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8711a767f47a45ecb43b42b66cd4bfb5_I20221231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzQtMy0xLTEtNzE0Nzc0_c9cd4854-c00c-44ca-a672-c26bc228a218">10,554</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8711a767f47a45ecb43b42b66cd4bfb5_I20221231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzQtNC0xLTEtNzE0Nzc0_a54c4413-55ed-4d9e-bd04-99ab671db752">41,800</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8711a767f47a45ecb43b42b66cd4bfb5_I20221231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzQtNS0xLTEtNzE0Nzc0_00d463be-85af-44ce-a75b-a584645ab318">29,251</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8711a767f47a45ecb43b42b66cd4bfb5_I20221231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzQtNi0xLTEtNzE0Nzc0_64813910-7430-43f2-ac25-a568177fc124">11,461</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8711a767f47a45ecb43b42b66cd4bfb5_I20221231" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzQtNy0xLTEtNzE0Nzc0_414b9c4c-e03c-4f69-93fa-b57f8902719e">1,088</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase, securities borrowing and similar agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i376f6d79174840c299379fd20fe9963e_I20221231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzUtMi0xLTEtNzE0Nzc0_a023e99f-c2a7-4902-a351-2b97ab3a82df">47,111</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i376f6d79174840c299379fd20fe9963e_I20221231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzUtMy0xLTEtNzE0Nzc0_ba64896d-8257-40ca-b132-68c641ebda95">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i376f6d79174840c299379fd20fe9963e_I20221231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzUtNC0xLTEtNzE0Nzc0_1fcdca30-46b2-4bc6-bc27-3e2420aed634">47,111</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i376f6d79174840c299379fd20fe9963e_I20221231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzUtNS0xLTEtNzE0Nzc0_6a7c6535-28ec-4b51-a33a-ccdf60011a41">47,217</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i376f6d79174840c299379fd20fe9963e_I20221231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzUtNi0xLTEtNzE0Nzc0_5aaba6a1-6b68-4056-91cd-527952cd7dcb">970</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i376f6d79174840c299379fd20fe9963e_I20221231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzUtNy0xLTEtNzE0Nzc0_51bf50d6-f3e2-4629-a4df-c3c6060e3bae">1,077</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb2016c8949c43649d8141a708b14547_I20221231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzYtMi0xLTEtNzE0Nzc0_adc980cf-0b20-4478-811f-d04e2b2e8443">99,465</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb2016c8949c43649d8141a708b14547_I20221231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzYtMy0xLTEtNzE0Nzc0_0ae93a17-7114-438f-bd16-19212da771e9">10,554</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb2016c8949c43649d8141a708b14547_I20221231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzYtNC0xLTEtNzE0Nzc0_5679126c-3dd0-44d5-af58-b29153d477c9">88,911</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb2016c8949c43649d8141a708b14547_I20221231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzYtNS0xLTEtNzE0Nzc0_422f039a-6978-4eb1-b1af-e9050bdb43ab">76,468</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb2016c8949c43649d8141a708b14547_I20221231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzYtNi0xLTEtNzE0Nzc0_4653aa05-aa00-4d4a-b4fa-b4f1006db018">12,431</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb2016c8949c43649d8141a708b14547_I20221231" decimals="-6" name="bbva:NetAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzYtNy0xLTEtNzE0Nzc0_ffbd7ccc-610d-4f95-83d0-e86b2f8c6045">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and hedging derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 / 15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bb15498d89b4e1dbb75c26b6c07521f_I20221231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzctMi0xLTEtNzE0Nzc0_9a5d236a-735b-4244-b06e-550c0941db2c">51,767</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bb15498d89b4e1dbb75c26b6c07521f_I20221231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzctMy0xLTEtNzE0Nzc0_97202997-1a25-4001-b43c-991f227d4fe0">10,554</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bb15498d89b4e1dbb75c26b6c07521f_I20221231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzctNC0xLTEtNzE0Nzc0_15b0937d-3aa4-4938-86f1-f5995c537e8c">41,213</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bb15498d89b4e1dbb75c26b6c07521f_I20221231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzctNS0xLTEtNzE0Nzc0_d994efd5-0ab0-4de4-af4a-36e2eb0f368c">31,063</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bb15498d89b4e1dbb75c26b6c07521f_I20221231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzctNi0xLTEtNzE0Nzc0_6425acf3-bd27-47b3-9e01-40a3bf7e5005">9,498</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3bb15498d89b4e1dbb75c26b6c07521f_I20221231" decimals="-6" name="bbva:NetAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzctNy0xLTEtNzE0Nzc0_b7a5f8b8-7b68-46f3-ad73-bef3c382d50b">651</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase, securities lending and similar agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023a4f7353ae4496a0d034641904ef90_I20221231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzgtMi0xLTEtNzE0Nzc0_91ee23d6-8edc-4643-84f8-cbfb65c555c4">54,382</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023a4f7353ae4496a0d034641904ef90_I20221231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzgtMy0xLTEtNzE0Nzc0_86a95f4f-277a-4a40-8e81-beb47e0ea1ca">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023a4f7353ae4496a0d034641904ef90_I20221231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzgtNC0xLTEtNzE0Nzc0_62d304f6-389a-47f0-b601-5f05ff6ee165">54,382</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023a4f7353ae4496a0d034641904ef90_I20221231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzgtNS0xLTEtNzE0Nzc0_8abf31e0-004b-4492-85d2-e804e0e55a6f">53,439</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023a4f7353ae4496a0d034641904ef90_I20221231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzgtNi0xLTEtNzE0Nzc0_359af1c3-50a1-45bf-bf15-2f3ba1bed2b2">586</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023a4f7353ae4496a0d034641904ef90_I20221231" decimals="-6" name="bbva:NetAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzgtNy0xLTEtNzE0Nzc0_b978c2a1-6cd2-4c82-b3f5-a462e6843493">357</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3dd4449b48b40cb846b504a722b6e4d_I20221231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzktMi0xLTEtNzE0Nzc0_47c153e2-790e-44a4-99c2-472253b35610">106,149</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3dd4449b48b40cb846b504a722b6e4d_I20221231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzktMy0xLTEtNzE0Nzc0_d7a20cba-424d-41f9-b256-5f48562b3e3a">10,554</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3dd4449b48b40cb846b504a722b6e4d_I20221231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzktNC0xLTEtNzE0Nzc0_cd3d0fe0-4b7a-4bed-bbce-72dcd37d5f61">95,594</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3dd4449b48b40cb846b504a722b6e4d_I20221231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzktNS0xLTEtNzE0Nzc0_dc3140ee-e438-4dec-9c27-6a6706a4ed26">84,502</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3dd4449b48b40cb846b504a722b6e4d_I20221231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzktNi0xLTEtNzE0Nzc0_9f1f43ba-c9f8-4729-a46e-2151cbf25e44">10,084</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3dd4449b48b40cb846b504a722b6e4d_I20221231" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzktNy0xLTEtNzE0Nzc0_11e6fced-fd18-4107-b493-aeef89df329f">1,008</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and hedging derivatives</span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 / 15</span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6e482836dae425b992b7174fe4e34c9_I20211231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzExLTItMS0xLTcxNDc3NA_c8fcda0f-a9d5-4db7-998d-9c9d74eca92f">36,349</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6e482836dae425b992b7174fe4e34c9_I20211231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzExLTMtMS0xLTcxNDc3NA_bdd4827c-8d37-42fc-bdd3-4c688dd60681">3,611</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6e482836dae425b992b7174fe4e34c9_I20211231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzExLTQtMS0xLTcxNDc3NA_cbb82d64-4743-4af4-8348-3cfa2d38de5d">32,737</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6e482836dae425b992b7174fe4e34c9_I20211231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzExLTUtMS0xLTcxNDc3NA_9bd9c25a-8f81-4a3a-8dc8-da94069e889b">22,524</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6e482836dae425b992b7174fe4e34c9_I20211231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzExLTYtMS0xLTcxNDc3NA_2b05a127-dfac-4107-8c8b-c54a8c720ad5">8,758</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6e482836dae425b992b7174fe4e34c9_I20211231" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzExLTctMS0xLTcxNDc3NA_da81762a-22e4-4b77-a419-3a7906d23320">1,456</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase, securities borrowing and similar agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4253effad4fb3a01c787a6479b2f4_I20211231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEyLTItMS0xLTcxNDc3NA_d042ce42-2dd0-4128-aeb8-f9b03c8a2601">54,296</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4253effad4fb3a01c787a6479b2f4_I20211231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEyLTMtMS0xLTcxNDc3NA_e4a1401e-f1dd-4a29-9e23-19d3d5c7cc42">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4253effad4fb3a01c787a6479b2f4_I20211231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEyLTQtMS0xLTcxNDc3NA_584cae69-0d2b-4979-8caf-f91886a57ea6">54,296</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4253effad4fb3a01c787a6479b2f4_I20211231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEyLTUtMS0xLTcxNDc3NA_0c965849-5f8b-47a2-a574-b76d4c232d9c">55,010</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3a4253effad4fb3a01c787a6479b2f4_I20211231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEyLTYtMS0xLTcxNDc3NA_e88e24e8-c28e-4aaa-ad62-b7c6527154c8">2,213</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if3a4253effad4fb3a01c787a6479b2f4_I20211231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEyLTctMS0xLTcxNDc3NA_d4d4901d-af4d-4f01-b472-d5a99937c82a">2,927</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4296f8a629a34ff7bd4ecaf489a80bff_I20211231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEzLTItMS0xLTcxNDc3NA_ef1da115-c0d1-40c9-b88c-22d89c3983f9">90,645</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4296f8a629a34ff7bd4ecaf489a80bff_I20211231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEzLTMtMS0xLTcxNDc3NA_524d8b05-3964-45e8-ad2e-069669034a54">3,611</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4296f8a629a34ff7bd4ecaf489a80bff_I20211231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEzLTQtMS0xLTcxNDc3NA_d842fa97-c2a8-497b-abf7-4198b4e81641">87,034</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4296f8a629a34ff7bd4ecaf489a80bff_I20211231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEzLTUtMS0xLTcxNDc3NA_12c8c2fb-025c-4807-ae9e-bc0e5d7dbc34">77,534</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4296f8a629a34ff7bd4ecaf489a80bff_I20211231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEzLTYtMS0xLTcxNDc3NA_ee6f7bb2-e62e-4ba6-b81a-2f71417356fc">10,971</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4296f8a629a34ff7bd4ecaf489a80bff_I20211231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzEzLTctMS0xLTcxNDc3NA_db47832f-9f7c-4f9f-8f1a-25ef48b498c8">1,471</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and hedging derivatives</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 / 15</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie51a65fb32bd4dbc8ef3f0abe655e159_I20211231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE0LTItMS0xLTcxNDc3NA_8fe3bf19-bb91-4135-b800-e87e65cd5dc3">37,916</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie51a65fb32bd4dbc8ef3f0abe655e159_I20211231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE0LTMtMS0xLTcxNDc3NA_1bb9ded3-7f68-44ef-ab26-497a60b062c1">3,584</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie51a65fb32bd4dbc8ef3f0abe655e159_I20211231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE0LTQtMS0xLTcxNDc3NA_c7cd7940-3a7c-430a-a753-698c17a12c9f">34,331</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie51a65fb32bd4dbc8ef3f0abe655e159_I20211231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE0LTUtMS0xLTcxNDc3NA_5e923616-c4dc-4a98-927c-4598a57d0a4e">22,524</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie51a65fb32bd4dbc8ef3f0abe655e159_I20211231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE0LTYtMS0xLTcxNDc3NA_170c0234-2e00-41f1-afeb-d441acf8903c">10,119</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie51a65fb32bd4dbc8ef3f0abe655e159_I20211231" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE0LTctMS0xLTcxNDc3NA_080eedbe-736d-4eee-883c-cef46af2cbe4">1,688</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase, securities lending and similar agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe14f5b283a34a5c95e095f411709b9d_I20211231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE1LTItMS0xLTcxNDc3NA_6f4311e9-682f-410b-ab25-6fbaab318aad">54,159</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe14f5b283a34a5c95e095f411709b9d_I20211231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE1LTMtMS0xLTcxNDc3NA_f5d9cb02-f8ec-4ee4-9c96-d26eebd80549">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe14f5b283a34a5c95e095f411709b9d_I20211231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE1LTQtMS0xLTcxNDc3NA_19ae2e9e-21aa-499d-92ae-fa742aab83e6">54,159</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe14f5b283a34a5c95e095f411709b9d_I20211231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE1LTUtMS0xLTcxNDc3NA_6f6b45bc-a7f0-4a6a-a95a-939545c68c0b">58,174</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe14f5b283a34a5c95e095f411709b9d_I20211231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE1LTYtMS0xLTcxNDc3NA_084b89c9-43a7-45e1-9e1d-e433a69d2a03">679</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibe14f5b283a34a5c95e095f411709b9d_I20211231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE1LTctMS0xLTcxNDc3NA_a7896767-11cf-4a84-b073-214a7a35ca0f">4,694</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bc5ca6225ef4c829b9b189bbfdeabbb_I20211231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE2LTItMS0xLTcxNDc3NA_c0b2e791-6991-4f2e-864b-f83a32f08f00">92,074</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bc5ca6225ef4c829b9b189bbfdeabbb_I20211231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE2LTMtMS0xLTcxNDc3NA_e02414d4-3b6d-430f-8137-c2eaa50b5af0">3,584</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bc5ca6225ef4c829b9b189bbfdeabbb_I20211231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE2LTQtMS0xLTcxNDc3NA_04318f53-17f6-48db-87b5-ea3673d36084">88,490</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bc5ca6225ef4c829b9b189bbfdeabbb_I20211231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE2LTUtMS0xLTcxNDc3NA_2b5f526b-3906-4b5e-9035-a4a9524a0b7d">80,698</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bc5ca6225ef4c829b9b189bbfdeabbb_I20211231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE2LTYtMS0xLTcxNDc3NA_5ed4c7ae-c862-435a-b6cb-4b36cff4602c">10,798</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1bc5ca6225ef4c829b9b189bbfdeabbb_I20211231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE2LTctMS0xLTcxNDc3NA_a6f3cbbc-dc2a-4fdc-b2b4-7ad870d34fb3">3,006</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and hedging derivatives</span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 / 15</span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f3c31d629ee4b4ba68549e73dac286b_I20201231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE4LTItMS0xLTcxNDc3NA_68f3da82-f3ce-4d9c-9f65-f3d45bb9be43">47,862</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f3c31d629ee4b4ba68549e73dac286b_I20201231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE4LTMtMS0xLTcxNDc3NA_3c8e8b07-29dd-40be-ac80-06689d3bdbcf">5,688</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f3c31d629ee4b4ba68549e73dac286b_I20201231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE4LTQtMS0xLTcxNDc3NA_94d5092a-187a-4759-b3fa-070a6c61b7f2">42,173</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f3c31d629ee4b4ba68549e73dac286b_I20201231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE4LTUtMS0xLTcxNDc3NA_385e689e-f83e-4cde-86bb-443d3642f34e">33,842</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f3c31d629ee4b4ba68549e73dac286b_I20201231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE4LTYtMS0xLTcxNDc3NA_7f5c8f7b-89f9-451c-acaf-d69d644a4619">9,018</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9f3c31d629ee4b4ba68549e73dac286b_I20201231" decimals="-6" sign="-" name="bbva:NetAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE4LTctMS0xLTcxNDc3NA_709b9930-59b4-4c0b-b710-cdbe60b486ef">686</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase, securities borrowing and similar agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id73afa91a30f4ce9896d85a3f1eac501_I20201231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE5LTItMS0xLTcxNDc3NA_397ce267-4220-4548-ba45-8f2249892e09">32,121</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id73afa91a30f4ce9896d85a3f1eac501_I20201231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE5LTMtMS0xLTcxNDc3NA_191a0c3e-10be-4c0e-8ee0-b6f47ee3924d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id73afa91a30f4ce9896d85a3f1eac501_I20201231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE5LTQtMS0xLTcxNDc3NA_e3f187d0-b958-45db-8731-b622d2bf8958">32,121</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id73afa91a30f4ce9896d85a3f1eac501_I20201231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE5LTUtMS0xLTcxNDc3NA_55babc8f-017a-49fb-8426-9ae7629b6446">32,762</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id73afa91a30f4ce9896d85a3f1eac501_I20201231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE5LTYtMS0xLTcxNDc3NA_79725b52-32fb-4cd0-89ad-7ad70bef9ecb">161</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id73afa91a30f4ce9896d85a3f1eac501_I20201231" decimals="-6" sign="-" name="bbva:NetAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzE5LTctMS0xLTcxNDc3NA_3a6890ae-4e84-41fa-b0e3-2612aa7b6806">802</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5c128f9b4a841898f56e9a039c82084_I20201231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIwLTItMS0xLTcxNDc3NA_8f95887e-6521-4236-9c6c-77e219398b70">79,983</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5c128f9b4a841898f56e9a039c82084_I20201231" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIwLTMtMS0xLTcxNDc3NA_c6269fa7-3a46-446a-8155-fdc6021fb575">5,688</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5c128f9b4a841898f56e9a039c82084_I20201231" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIwLTQtMS0xLTcxNDc3NA_a91cc094-aa60-49f4-81f1-5eef1cdd7574">74,294</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5c128f9b4a841898f56e9a039c82084_I20201231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIwLTUtMS0xLTcxNDc3NA_c6fe51c6-3ea1-477c-8a15-26463af20548">66,604</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5c128f9b4a841898f56e9a039c82084_I20201231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIwLTYtMS0xLTcxNDc3NA_41c85407-256d-4ead-97ed-c5f004a514d1">9,178</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib5c128f9b4a841898f56e9a039c82084_I20201231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIwLTctMS0xLTcxNDc3NA_492bea43-395a-48e9-834c-c47f0c79b159">1,488</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and hedging derivatives</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 / 15</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367242d63dc849fba4ace42ce01ba278_I20201231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIxLTItMS0xLTcxNDc3NA_34c1a38f-2946-4b95-b70b-218963e1784f">49,720</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367242d63dc849fba4ace42ce01ba278_I20201231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIxLTMtMS0xLTcxNDc3NA_486d5b43-3544-45f9-98eb-f5752bdff443">5,722</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367242d63dc849fba4ace42ce01ba278_I20201231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIxLTQtMS0xLTcxNDc3NA_815adf8a-aa9b-4f19-ad5b-d63a1c6f73ad">43,998</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367242d63dc849fba4ace42ce01ba278_I20201231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIxLTUtMS0xLTcxNDc3NA_549b47ae-e886-4ca8-9313-a7067e249794">33,842</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367242d63dc849fba4ace42ce01ba278_I20201231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIxLTYtMS0xLTcxNDc3NA_23ddab75-dd8f-43bb-8787-48db6623ae63">9,435</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367242d63dc849fba4ace42ce01ba278_I20201231" decimals="-6" name="bbva:NetAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIxLTctMS0xLTcxNDc3NA_97a84650-9e9e-4bf7-8a72-11560fabc558">721</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase, securities lending and similar agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c95145d2dd4171af1a2ab550a43da2_I20201231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIyLTItMS0xLTcxNDc3NA_11116f30-5d5f-46c9-afb0-7c54bcc1a227">41,571</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c95145d2dd4171af1a2ab550a43da2_I20201231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIyLTMtMS0xLTcxNDc3NA_bbfc20e4-265a-4a22-99e8-7766f290860a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c95145d2dd4171af1a2ab550a43da2_I20201231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIyLTQtMS0xLTcxNDc3NA_c01cbaea-0750-4937-8f07-1e4577bb8edd">41,571</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c95145d2dd4171af1a2ab550a43da2_I20201231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIyLTUtMS0xLTcxNDc3NA_47e9ab05-cc9d-45e0-86b8-0eed193bc24e">42,298</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c95145d2dd4171af1a2ab550a43da2_I20201231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIyLTYtMS0xLTcxNDc3NA_340c6234-6a6f-4d1b-9cd2-78f43ff8da0c">1,619</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia8c95145d2dd4171af1a2ab550a43da2_I20201231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIyLTctMS0xLTcxNDc3NA_fa43cddf-2d1b-45f6-9814-2872f5b97382">2,346</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00321e1234564c9daeace37331b090eb_I20201231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIzLTItMS0xLTcxNDc3NA_6ac4d568-3e98-4393-8151-653109a06fcb">91,291</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00321e1234564c9daeace37331b090eb_I20201231" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIzLTMtMS0xLTcxNDc3NA_15fc28aa-4b86-49aa-81c2-cb4218b72b80">5,722</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00321e1234564c9daeace37331b090eb_I20201231" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIzLTQtMS0xLTcxNDc3NA_936e83c7-f524-481c-ac1d-90ff7b8f5cc0">85,569</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00321e1234564c9daeace37331b090eb_I20201231" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIzLTUtMS0xLTcxNDc3NA_4cfa4a52-70b5-47d0-ad85-389aa5ee35bd">76,140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00321e1234564c9daeace37331b090eb_I20201231" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIzLTYtMS0xLTcxNDc3NA_a5c0d121-3466-4774-ac11-63af98dbf2e4">11,054</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i00321e1234564c9daeace37331b090eb_I20201231" decimals="-6" sign="-" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MDMvZnJhZzpkYjg4OGI1OWQ2MzA0NGNjYTJmZjgzOTNhNDE1YmM3My90YWJsZTphZmFhMGZlMGVlMjk0MzEyYjEzMmVjNzA4ODY5MWRjZS90YWJsZXJhbmdlOmFmYWEwZmUwZWUyOTQzMTJiMTMyZWM3MDg4NjkxZGNlXzIzLTctMS0xLTcxNDc3NA_6c323d32-b87d-4f72-814f-5687f74b894c">1,624</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amount of recognized financial instruments within derivatives includes the effect in case of compensation with counterparties with which the Group holds netting agreements, while, for repos, it reflects the market value of the collateral associated with the transaction.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_706"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.5</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="ib1dd26c5bb604f049b850a873bfe0989" continuedAt="i3d9707d31fde4025bec7b71df34c88cd">Liquidity and Funding risk</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i3d9707d31fde4025bec7b71df34c88cd" continuedAt="i3b201fb3ec85407ba3f79430d11fce3b">Liquidity and funding risk is defined as the incapacity of a bank in meeting its payment commitments due to lack of funds or that, to face those commitments, should have to make use of funding under burdensome terms.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_709"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.5.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i3b201fb3ec85407ba3f79430d11fce3b" continuedAt="i2f8b27ac0e2546f087d8446790c3733b">Liquidity and Funding Strategy and Planning</ix:continuation></span></div><ix:continuation id="i2f8b27ac0e2546f087d8446790c3733b" continuedAt="i572ab2eecc4f4fc38e8aa9970badc6c4"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group is a multinational financial institution whose business is focused mainly on retail and commercial banking activities. In addition to the retail business model, which forms its core business, the Group engages in corporate and investment banking, through the global CIB (Corporate &amp; Investment Banking) division.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Liquidity and Funding Risk Management aims to maintain a balance sheet structure which allows a sustainable business model. The Group&#8217;s liquidity and funding strategy is based on the following pillars:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The principle of the funding self-sufficiency of its subsidiaries, meaning that each of the Liquidity Management Units (LMU) must cover its funding needs independently on the markets where it operates. This avoids possible contagion due to a crisis affecting one or more of the Group&#8217;s LMU.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Stable customer deposits as the main source of funding in all the LMU, in accordance with the Group&#8217;s business model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Diversification of the sources of wholesale funding, in terms of maturity, market, instruments, counterparties and currencies, with recurring access to the markets.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-90</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i572ab2eecc4f4fc38e8aa9970badc6c4" continuedAt="i746f4cff427d40dda9bd1240dcdd65fa"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Compliance with regulatory requirements, ensuring the availability of ample liquidity buffers, of high quality, as well as sufficient instruments as required by regulations with the capacity to absorb losses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Compliance with the internal Liquidity Risk and Funding metrics, while adhering to the Risk Appetite level established for each LMU at any time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Liquidity and Funding Risk Management aims, in the short term, to prevent an entity from having difficulties in meeting its payment commitments in due time and form or that, to meet them, it has to resort to obtaining funds in burdensome conditions that deteriorate the image or reputation of the entity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the medium term, its objective is to support the suitability of the Group's financial structure and its evolution, within the framework of the economic situation, the markets and regulatory changes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This management of structural and liquidity funding is based on the principle of financial self-sufficiency of the entities that comprise it. This approach helps prevent and limit liquidity risk by reducing the Group&#8217;s vulnerability during periods of high risk. This decentralized management prevents possible contagion from a crisis affecting only one or a few Group entities, which must act independently to meet their liquidity requirements in the markets where they operate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Within this strategy, the BBVA Group is organized into eight LMU composed of the parent company and the bank subsidiaries in each geographical area, plus the branches that depend on them.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, the policy for managing liquidity and funding risk is also based on the model&#8217;s effectiveness and on the planning and integration of risk management into the budgeting process of each LMU, according to the liquidity and funding risk appetite that it decides to assume in its business. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Liquidity and funding planning is part of the strategic processes for the Group&#8217;s budgetary and business planning. This objective is to allow a recurrent growth of the banking business with suitable maturities and costs within the established risk tolerance levels by using a wide range of instruments which allow the diversification of the funding sources and the maintenance of a high volume of available liquid assets.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_712"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.5.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i746f4cff427d40dda9bd1240dcdd65fa" continuedAt="if0ad9a33ca394c2385cead3ff26ff74e">Governance and monitoring</ix:continuation></span></div><ix:continuation id="if0ad9a33ca394c2385cead3ff26ff74e" continuedAt="i610c4f391158422fbde5b919caded31b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The responsibility for liquidity and funding management in the development of normal business activity lies with the Finance area as a first line of defense in managing the risks inherent to this activity, in accordance with the principles established by the EBA and in line with the most demanding standards, policies, procedures and controls in the framework established by the governing bodies. Finance, through the Balance-Sheet Management area, plans and executes the funding of the structural long-term gap of each LMU and proposes to the Assets and Liabilities Committee (ALCO) the actions to be taken on this matter, in accordance with the policies established by the Risk Committee in line with the metrics of the Risk Appetite Framework approved by the Board of Directors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finance is also responsible for preparing the regulatory reporting of liquidity, coordinating with the responsible areas in each LGU the necessary processes to cover the requirements at corporate and regulatory level, ensuring the integrity of the information provided.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">GRM is responsible for ensuring that the liquidity and financing risk in the Group is managed in accordance with the framework established by governing bodies. It also deals with the identification, measurement, monitoring and control of such risks and their communication to the relevant corporate bodies. In order to carry out this task properly, the Risk function in the Group has been configured as a single, global function, independent of the management areas.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, the Group has, in its second line of defense, an Internal Risk Control unit, which performs an independent review of the control of Liquidity and Funding Risk, and a Financial Internal Control Unit that reviews the design and effectiveness of the controls operations on liquidity management and reporting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As the third line of defense of the Group's internal control model, Internal Audit is in charge of reviewing specific controls and processes in accordance with a work plan that is drawn up annually.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group&#8217;s fundamental objectives regarding the liquidity and funding risk are determined through the Liquidity Coverage Ratio (LCR) and through the Loan-to-Stable Customer Deposits (LtSCD) ratio. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The LCR ratio is a regulatory metric that aims to guarantee the resilience of entities in a scenario of liquidity tension within a time horizon of 30 days. Within its risk appetite framework and system of limits and alerts, BBVA has established a required LCR compliance level for the entire Group and for each individual LMU. The internal levels required are aimed at efficiently meeting the regulatory requirement, at a loose level above 100%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The LtSCD ratio measures the relationship between net lending and stable customer funds. The aim is to preserve a stable funding structure in the medium term for each of the LMU which make up the BBVA Group, taking into account that maintaining an adequate volume of stable customer funds is key to achieving an appropriate liquidity profile. In geographical areas with dual-currency balances, the indicator is also controlled by currency to manage the mismatches that might occur.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Stable customer funds are considered to be the financing obtained and managed from the LMU among their target customers. Those funds are characterized by their low sensitivity to market changes and by their less volatile behavior at aggregated level per operation due to the loyalty of the customer to the entity. The stable resources are calculated by applying to each identified customer segment a haircut determined by the analysis of the stability if the balances by which different aspects are evaluated (concentration, stability, level of loyalty). The main source of stable resources arises from wholesale funding and retail customer funds.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-91</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i610c4f391158422fbde5b919caded31b" continuedAt="ic5c3714421a348da9b2d18721749ac03"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to establish the target (maximum) levels of LtSCD in each LMU and provide an optimal funding structure reference in terms of risk appetite, the corporate Structural Risks unit of GRM identifies and assesses the economic and financial variables that condition the funding structures in the different geographical areas. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, liquidity and funding risk management aims to achieve a proper diversification of the funding structure, avoiding excessive dependence on short-term funding by establishing a maximum level for the short-term funds raised, including both wholesale financing and the least stable proportion of customer funds In relation to long-term financing, the maturity profile does not present significant concentrations, which makes it possible to adapt the schedule of the planned issuance plan to the best financial conditions in the markets. Lastly, concentration risk is monitored at LMU level, with the aim of ensuring a correct diversification of both the counterparty and type of instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">One of the fundamental metrics within the general management framework of the liquidity and funding risk is the maintenance of a liquidity buffer consisting of high quality assets free of charges which can be sold or offered as collateral to obtain funding, either under normal market conditions or in stress situations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Finance area is responsible for the collateral management and determining the liquidity buffer within the BBVA Group. According to the principle of auto-sufficiency of the Group's subsidiaries, each LMU is responsible for maintaining a buffer of liquid assets which complies with the regulatory requirements applicable under each jurisdiction. In addition, the liquidity buffer of each LMU must be aligned with the liquidity and funding risk tolerance as well as the management limits set and approved for each case.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this context, the short-term resistance of the liquidity risk profile is promoted, striving to ensure that each LMU has sufficient collateral to deal with the risk of the closing of wholesale markets. Basic capacity is the internal metric for the management and control of short-term liquidity risk, which is defined as the relationship between the explicit assets available and the maturities of wholesale liabilities and volatile resources, at different time periods up to one year, with special relevance at 30 and 90 days, with the objective of preserving the survival period above 3 months with the available buffer, without considering the balance inflows.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a fundamental element of the liquidity and financing risk monitoring scheme, stress tests are carried out. They enable to anticipate deviations from the liquidity targets and the limits set in the appetite, and to establish tolerance ranges in the different management areas. They also play a major role in the design of the Liquidity Contingency Plan and the definition of specific measures to be adopted to rectify the risk profile if necessary.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For each scenario, it is checked whether BBVA has a sufficient stock of liquid assets to meet the liquidity commitments/outflows in the different periods analyzed. The analysis considers four scenarios: one central and three crisis-related (systemic crisis; unexpected internal crisis with a considerable rating downgrade and/or affecting the ability to issue in wholesale markets and the perception of business risk by the banking intermediaries and the entity&#8217;s clients; and a mixed scenario, as a combination of the two aforementioned scenarios). Each scenario considers the following factors: existing market liquidity, customer behavior and sources of funding, the impact of rating downgrades, market values of liquid assets and collateral, and the interaction between liquidity requirements and the development of BBVA's credit quality.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The stress tests conducted on a regular basis by GRM reveal that BBVA maintains a sufficient buffer of liquid assets to deal with the estimated liquidity outflows in a scenario resulting from the combination of a systemic crisis and an unexpected internal crisis, during a period of longer than 3 months in general for the different LMU (including Turkey closing the year above 6 months), including in the scenario of a significant downgrade of the Bank&#8217;s rating by up to three notches.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Together with the results of the stress tests and the risk metrics, the early warning indicators play an important role within the corporate model and the Liquidity Contingency Plan. They are mainly indicators of the funding structure, in relation to asset encumbrance, counterparty concentration, flights of customer deposits, unexpected use of credit facilities, and of the market, which help anticipate possible risks and capture market expectations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finance is the area responsible for the elaboration, monitoring, execution and update of the liquidity and funding plan and of the market access strategy to assist in and improve the stability and diversification of the wholesale funding sources.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to implement and establish management in an anticipated manner, limits are set on an annual basis for the main management metrics that form part of the budgeting process for the liquidity and funding plan. This framework of limits contributes to the planning of the joint future performance of:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The loan book, considering the types of assets and their degree of liquidity, as well as their validity as collateral in collateralized funding. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Stable customer funds, based on the application of a methodology for establishing which segments and customer balances are considered to be stable or volatile funds based on the principle of sustainability and recurrence of these funds. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Projection of the credit gap, in order to require a degree of self-funding that is defined in terms of the difference between the loan-book and stable customer funds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Incorporating the planning of securities portfolios into the banking book, which include both fixed-interest and equity securities, and are classified as financial assets at fair value through other comprehensive income and at amortized cost, and additionally on trading portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The structural gap projection, as a result of assessing the funding needs generated both from the credit gap and by the securities portfolio in the banking book, together with the rest of on-balance-sheet wholesale funding needs, excluding trading portfolios. This gap therefore needs to be funded with customer funds that are not considered stable or on wholesale markets.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-92</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic5c3714421a348da9b2d18721749ac03" continuedAt="i27ff4414154d4e289dc3ddf48adbb8ac"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a result of these funding needs, the BBVA Group plans the target wholesale funding structure according to the tolerance set in each LMU target.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Thus, once the structural gap has been identified and after resorting to wholesale markets, the amount and composition of wholesale structural funding is established in subsequent years, in order to maintain a diversified funding mix and guarantee that there is not a high reliance on short-term funding (short-term wholesale funding plus volatile customer funds).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In practice, the execution of the principles of planning and self-funding at the different LMU results in the Group&#8217;s main source of funding being customer deposits, which consist mainly of demand deposits, savings deposits and time deposits. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As sources of funding, customer deposits are complemented by access to the interbank market and the domestic and international capital markets in order to address additional liquidity requirements, implementing domestic and international programs for the issuance of commercial paper and medium and long-term debt.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The process of analysis and assessment of the liquidity and funding situation and of the inherent risks is a process carried out on an ongoing basis in the BBVA Group, with the participation of all the Group areas involved in liquidity and funding risk management. This process is carried out at both local and corporate level. It is incorporated into the decision- making process for liquidity and funding management, with integration between the risk appetite strategy and establishment and the planning process, the funding plan and the limits scheme.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_715"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.5.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"><ix:continuation id="i27ff4414154d4e289dc3ddf48adbb8ac" continuedAt="i34f13e7249f147198efd972f0a8e79cc">Liquidity and funding performance</ix:continuation></span></div><ix:continuation id="i34f13e7249f147198efd972f0a8e79cc" continuedAt="iaab26197beef441f899f7910e21aa2b8"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group maintains an adequate and dynamic funding structure with a predominantly retail nature, where customer resources represent the main source of funding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, in an environment of higher uncertainty, liquidity conditions have remained comfortable in all the countries where the BBVA Group operates. It should be noted that the war in Ukraine has not had a significant impact on the liquidity and funding situation of the BBVA Group units.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_718"></div><ix:continuation id="iaab26197beef441f899f7910e21aa2b8" continuedAt="i05d08e3f7ade44f883e661dd89e24edc"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LtSCDByLMUTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90ZXh0cmVnaW9uOjE5Y2U4YmZhZmYwMTQxNTg5MmI3YzQ5MzE4ZTMyMjkwXzEyMw_ca1de4a6-bb6e-481a-8caf-b4d1f326a679" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The performance of the indicators show that the funding structure remained steady during 2022, 2021 and 2020, in the sense that all LMU held self-funding levels with stable customer resources above the requirements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:38.345%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.087%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LtSCD by LMU</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group (average)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzItMS0xLTEtNzE0Nzc0_fa4c9615-8c52-4965-babb-718d881f243e">96</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzItMi0xLTEtNzE0Nzc0_2e3eeb85-2099-491c-8a9d-9a5f0f61f355">95</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzItMy0xLTEtNzE0Nzc0_4c8c8ba4-bfa3-49e1-8500-1ef5d7094c37">95</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA, S.A.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i860f0929b02740888a3cc0f4dab5d352_D20220101-20221231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzMtMS0xLTEtNzE0Nzc0_d4957d74-f660-406a-9033-913c86411345">98</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8530f82fc1f743999cfc896bcfb0fbd0_D20210101-20211231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzMtMi0xLTEtNzE0Nzc0_a307819b-6782-4dd1-949b-4befa285ab06">98</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="idee1d35144b64affb845e7fc0c6110da_D20200101-20201231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzMtMy0xLTEtNzE0Nzc0_35e48823-5807-45fb-80bd-3451309d43db">97</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia11cace6f1c54c1181e52b092d735728_D20220101-20221231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzUtMS0xLTEtNzE0Nzc0_dc37141e-1ecd-4a2e-b415-c2f081837be1">98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icd2b667b65e7401196ae3ef169b78ee3_D20210101-20211231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzUtMi0xLTEtNzE0Nzc0_1bb840a5-64fa-430c-a0ea-9d8865526752">93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie0d2882e6c1a4ce6bf607b23641b9fbb_D20200101-20201231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzUtMy0xLTEtNzE0Nzc0_6546bf8f-2ed8-4b85-ad5f-b59221f168dc">98</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Garanti BBVA</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i14765b47bc124aa3acb15c7d9b732445_D20220101-20221231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzYtMS0xLTEtNzE0Nzc0_9ca3e4cf-592e-4cd1-bbff-15b9b50195b8">83</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i880863b63584438ab507032339e165c0_D20210101-20211231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzYtMi0xLTEtNzE0Nzc0_0d8cd289-8ec9-4a5e-bb94-6cec4be0a7ce">81</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i55fa1dfaf16f4a20984e51822a1c971a_D20200101-20201231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzYtMy0xLTEtNzE0Nzc0_d009cd04-94bb-4045-8fab-89c7177be026">95</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other LMU</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id19789f428204af28470497846ab4a0b_D20220101-20221231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzctMS0xLTEtNzE0Nzc0_ef249313-2c3d-4048-86d3-2cc39f5df6c7">96</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0c51010958bd47e1898a63cade2fc1cf_D20210101-20211231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzctMi0xLTEtNzE0Nzc0_417e893f-a0e1-4a82-9987-bc9fa149202d">93</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i049c097023df43e7986bb99bf0d12c2b_D20200101-20201231" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MTgvZnJhZzoxOWNlOGJmYWZmMDE0MTU4OTJiN2M0OTMxOGUzMjI5MC90YWJsZTozZTA2NDhjNzg3OTU0YzIxYTc2YjE1ZWE3MTlhZDgyOC90YWJsZXJhbmdlOjNlMDY0OGM3ODc5NTRjMjFhNzZiMTVlYTcxOWFkODI4XzctMy0xLTEtNzE0Nzc0_a357232a-ac12-4309-b054-28ddbb37a240">86</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_721"></div><ix:continuation id="i05d08e3f7ade44f883e661dd89e24edc" continuedAt="i00de849e15074ae992b6e75a9cc0f201"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With respect to LCR, the Group has maintained a liquidity buffer at both a consolidated and individual level in </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">2022</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">. As a result, the ratio has remained comfortably above 100%, with the consolidated ratio as of December 31, </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">2022</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> standing at 159%.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LCRMainLMUTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90ZXh0cmVnaW9uOjYzOTljZDg0NzMyMDQwNjlhZDljZjgzZDg0Mzg0NWNmXzU3NzI0MzYwNDcxMDUz_8cb9d685-19c2-41c1-bd20-394d1a4c941d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Although this requirement is only established at a Group level, for banks in the Eurozone, the minimum level required is comfortably exceeded in all subsidiaries. It should be noted that the calculation of the Consolidated LCR does not allow the transfer of liquidity between subsidiaries, so no excess liquidity may be transferred from these entities for the purpose of calculating the consolidated ratio. If the impact of these highly liquid assets was considered, the LCR would be 201%, or 42 basis points above the required level.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LCR main LMU</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzItMS0xLTEtMTI0MDU1MA_6459bd81-7e36-4764-aa54-2deb36ffc6bd">159</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzItMi0xLTEtMTI0MDU1MA_54806388-40e3-44ab-b8b5-ce6a63e1cbda">165</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzItMy0xLTEtMTI0MDU1MA_2d9d611a-8f7e-4715-81a1-2c56de18304b">149</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA, S.A.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0efe2b6bccab43bab188c9db413c2a64_I20221231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzMtMS0xLTEtMTI0MDU1MA_78d05d27-59f9-452f-a9f1-92b7757c77a5">186</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifa58863dcccd4a1c81011e4e04c8ddd8_I20211231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzMtMi0xLTEtMTI0MDU1MA_94a059ab-fa35-4ec8-9d47-af8d96dd46fa">190</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib7a2fc785986422baca9662bf3ca95c5_I20201231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzMtMy0xLTEtMTI0MDU1MA_62411dd2-e0ae-4551-83d1-76a946b6c169">173</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3062bdb6e7c24b62979acd6b641583c3_I20221231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzUtMS0xLTEtMTI0MDU1MA_708f0af7-569d-4015-9cf8-f19707ecd784">199</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i69b5930d86354001a93c080d18552e85_I20211231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzUtMi0xLTEtMTI0MDU1MA_886ff7d4-376a-4f9c-b930-445f0612f37d">245</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8e74088b612144cdb077b7d612cda204_I20201231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzUtMy0xLTEtMTI0MDU1MA_a4959d4c-b8b0-42fd-a24f-e4f5e40ea608">196</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Garanti BBVA</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ied60ae02a1284ddbb18ffb35e09a50d8_I20221231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzYtMS0xLTEtMTI0MDU1MA_574b27b0-90ad-4537-859c-41d57ee63571">185</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ice16e6434b0e4b2db82733ff3c0a690c_I20211231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzYtMi0xLTEtMTI0MDU1MA_de7ff466-8512-4b71-9147-5cc1b16e4eb7">211</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifc835f1c6c334ee7855ad8cd05dfd42d_I20201231" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTphZTUyOWNiNWVjNjk0NmU2YmYyMTU2MWQ3MjhhNGZiZi90YWJsZXJhbmdlOmFlNTI5Y2I1ZWM2OTQ2ZTZiZjIxNTYxZDcyOGE0ZmJmXzYtMy0xLTEtMTI0MDU1MA_5938a560-595d-4f2e-8179-d0d1cb2b2624">183</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">One of the key elements in BBVA's Group liquidity and funding management is the targeted maintenance of large high quality liquidity buffers in all business areas where the group operates. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Each entity maintains a consistent liquidity buffer at the individual level for BBVA, S.A. and for each of its subsidiaries, such as BBVA Mexico, Garanti BBVA and the Latin American subsidiaries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this respect, the Group has maintained for the last 12 months an average volume of high quality liquid assets (HQLA) amounting to &#8364;140.3 billion, among which, 95% correspond to maximum quality assets (LCR Level 1).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-93</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i00de849e15074ae992b6e75a9cc0f201" continuedAt="i1f2b249c034d4601bf278a1cffdb3c77"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LiquidityAvailableByInstrumentTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90ZXh0cmVnaW9uOjYzOTljZDg0NzMyMDQwNjlhZDljZjgzZDg0Mzg0NWNmXzU3NzI0MzYwNDcxMDU0_cc116fed-5fb4-496e-914e-ba584d02d8a2" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below shows the liquidity available by instrument as of December 31, 2022, 2021 and 2020 for the most significant entities based on prudential supervisor&#8217;s information (Commission Implementing Regulations (EU) 2017/2114 of November 9, 2017):</span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:21.242%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liquidity available by instrument (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA, S.A.</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA Mexico</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Garanti BBVA</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and withdrawable central bank reserves</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfdf7df98fc94be88ce7d020c93dc16a_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtMS0xLTEtMTI0MDU1MA_787633ce-8e91-4972-b4d7-9e527cc15f90">48,271</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d7aa752aedd42cf9d8b0e3f12472c4f_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtMi0xLTEtMTI0MDU1MA_6c90d93e-a731-494a-91fc-f1f0adcef8f0">35,258</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i881429f58c1a4a8c84e60154857cfd7c_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtMy0xLTEtMTI0MDU1MA_ba8a83b3-e385-4db4-a8ea-14774badacc2">39,330</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7301aac1af4c44a1a04b6ff27f91dbb6_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtNC0xLTEtMTI0MDU1MA_eabe3553-2f29-4e42-b4a1-8a9a778b9d13">12,865</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6f03192e2170403295681bb1408267d8_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtNS0xLTEtMTI0MDU1MA_fa7d9d95-8903-435a-a7a6-156e2d72ac6a">12,146</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2205838aaad94c31a944ef1d6e316797_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtNi0xLTEtMTI0MDU1MA_8cf87d69-a654-4a5d-9787-245296c4f220">8,930</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61cdf530798c4272a501fa0f28236b53_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtNy0xLTEtMTI0MDU1MA_a2563bbd-c545-40de-b1e8-5e03244acc54">6,731</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a485d5cefe549be82c6a8599661c220_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtOC0xLTEtMTI0MDU1MA_6b1bf0c7-1c0d-4e8a-bfdb-278c24c01cae">8,179</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55680e7a2eef4145ad25c23e230f2bf9_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtOS0xLTEtMTI0MDU1MA_70ed4caa-18de-490f-b0bc-06d2ccb121ed">6,153</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b059b2293034a6883054f5f5f1b4f0d_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtMTAtMS0xLTEyNDA1NTA_ba92b2fa-fa13-442e-bcb4-1336b89637ff">5,265</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i80a6aa3e88a94fac85c9abb519354f01_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtMTEtMS0xLTEyNDA1NTA_47b768bc-057f-443e-a21c-2ad2d0a33964">6,469</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i364217b580234780be2a796981cf2b44_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzMtMTItMS0xLTEyNDA1NTA_155e12f2-46ad-4214-813d-89885dcd7ba4">6,831</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 1 tradable assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82d3b12ba9d7456eb7f9222959f3e2a1_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtMS0xLTEtMTI0MDU1MA_fa19a41b-7ae5-4433-a4c6-0bac36ff4dfc">33,081</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4307c8be751a480ab46c4c7ad64b01cd_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtMi0xLTEtMTI0MDU1MA_cbdb0f72-e8f3-43ac-b4c8-8a7be2b2914a">37,272</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03339496690145f89666d45e6fbf1604_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtMy0xLTEtMTI0MDU1MA_baeac91c-def2-4829-83f9-d4a126e377e5">48,858</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id56d1fc6c68e425dba550a5605c392cb_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtNC0xLTEtMTI0MDU1MA_2caa4420-19a2-4791-b521-29791b17090c">13,974</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61f89a67e1cb449283eda1678a392f11_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtNS0xLTEtMTI0MDU1MA_b2c3aa1f-ab76-47c6-8f82-c05bd5d3ad2f">13,881</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7868c006e204c249bdceac5a55b5573_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtNi0xLTEtMTI0MDU1MA_5826de3b-b588-4c5f-85a6-6c7875036cad">9,205</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife9c872f4efa447c869550ba8c83ad2c_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtNy0xLTEtMTI0MDU1MA_3f727ee6-cc3c-46bc-a836-e041e7ad979d">9,165</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5e43700f7ac44838e2b29a32e08859c_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtOC0xLTEtMTI0MDU1MA_25b7a93e-2650-4753-884c-7fc7d6b12ed9">5,549</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e435f508c4c4dfcbf038cec10f8f82f_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtOS0xLTEtMTI0MDU1MA_3b8418f6-eb5b-4295-bc4a-33ef035b43c6">7,019</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a77c6820e594f84b2cdbf1a1ede334f_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtMTAtMS0xLTEyNDA1NTA_7e31ae6b-45b9-4633-83a6-624bcadeeaa2">7,836</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2fca535292ff4a75b07d4f444f594c59_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtMTEtMS0xLTEyNDA1NTA_07a697a0-6a10-4e70-bb7c-ab06378af404">6,036</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9af7dd712c04b0ea569d1085417320b_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzQtMTItMS0xLTEyNDA1NTA_430a865b-558a-44cd-a21b-d4aeeb8ba995">6,237</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 2A tradable assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e8253df0f9549a7881dea47a7fdd911_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtMS0xLTEtMTI0MDU1MA_e91d5766-a867-4bed-9eb7-e7607958183d">3,450</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78558720d66343e68272a5db4520c997_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtMi0xLTEtMTI0MDU1MA_984e493e-278a-4ded-a795-6fef31611b62">5,234</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic35c7ddc9c2d4f42a7d83d73bd1a9233_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtMy0xLTEtMTI0MDU1MA_943ec387-b807-4ddf-bf05-4b48181ff8c7">5,119</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e800bb5f6d340a4948b0910b9990203_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtNC0xLTEtMTI0MDU1MA_ada58daa-7278-4f52-a581-f461e3687563">47</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice025d273acd4a63afeb09515dbd9d7b_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtNS0xLTEtMTI0MDU1MA_3e22cf6a-9bdb-4584-87dd-23b65240a5b8">74</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e1ed182271d4db4863dbcb6dc2b08a5_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtNi0xLTEtMTI0MDU1MA_5efaa9e7-39d0-4b36-810e-1845888356e5">106</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41e3753c21504a3b924be3df5aac65ce_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtNy0xLTEtMTI0MDU1MA_2b168cf8-b586-431f-a5a7-55d94cbe32ff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i296fc643797e46778db8d742a7376616_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtOC0xLTEtMTI0MDU1MA_5e988838-0d61-49a4-bbb8-bd3cc4790360">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8168c99e6894cf193a3a5650cb10233_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtOS0xLTEtMTI0MDU1MA_948b68eb-6a3f-4585-9f34-ea3cc7884829">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i96274fa94f9e471582903aba08010c44_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtMTAtMS0xLTEyNDA1NTA_71c74ab8-673a-443b-9e88-5bfb00dcd04f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib88c7246a87545dcbb0e6e7f5df90ceb_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtMTEtMS0xLTEyNDA1NTA_17e874cb-298f-4eac-a711-9565b224e62a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35665c28db724c218e9946c9dd4d54af_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzUtMTItMS0xLTEyNDA1NTA_c683f0ad-3a8b-4160-b852-f7d3b4ee5ab1">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 2B tradable assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf03b8a7932e4a928082c011a20bfd7b_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtMS0xLTEtMTI0MDU1MA_45f9b1ee-d8a5-4990-8785-7eef2539aefd">3,471</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b0f1855fd034179be1e96eb5dcad854_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtMi0xLTEtMTI0MDU1MA_1547e313-7a1e-434b-a0ff-1ec522fbc0ee">9,492</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i36eb1d11153a4263892b8fcb9aec9544_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtMy0xLTEtMTI0MDU1MA_47401cc4-cc87-49d3-b1cf-9371381a8131">6,080</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i092f2dd7d61b4c3990d14c6a84fb2770_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtNC0xLTEtMTI0MDU1MA_061c0995-4c60-4c10-a598-3d861f3de845">35</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63de4c40b0114c77b12679d8f0cbdaa9_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtNS0xLTEtMTI0MDU1MA_dfc43b94-d155-49c5-b35f-549af512b6d9">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0548f265fd884d6fafa89d82d1dd2c8c_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtNi0xLTEtMTI0MDU1MA_310209a0-0ab3-4ce7-8911-748ffc367325">11</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c57f4aefd404944969637e6f8e7ab88_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtNy0xLTEtMTI0MDU1MA_f5a11c00-23f6-499e-af42-7e3c4cf9fe3b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie46aa86eaf43417c82bfaa6a74a77ecd_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtOC0xLTEtMTI0MDU1MA_3cdd2c28-22a4-40bd-803f-12a7092e3500">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54d50853c900401aa75980883e59178e_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtOS0xLTEtMTI0MDU1MA_873879b9-9c6f-450d-b355-b2a99a0d0b34">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8981f38bcd574b11a92c27ecec1c5fec_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtMTAtMS0xLTEyNDA1NTA_809d3c9c-0303-4984-9753-0ff71fc1ccb6">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i385ddffac76241c5b24181bc5147dcdb_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtMTEtMS0xLTEyNDA1NTA_ca320cb8-2120-4554-99ef-af72b93fe3f8">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i036e7ddd34e1421e9e8d18227219032a_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzYtMTItMS0xLTEyNDA1NTA_e4961c1b-0247-44ef-a0d7-914f996bb9cf">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other tradable assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d9a6eb240c342e7a3e14ba3faf46ff2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctMS0xLTEtMTI0MDU1MA_ba448df8-f4b7-4cc1-9874-17cb523a60b1">22,708</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4e8c87966f54850a236767ea9386101_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctMi0xLTEtMTI0MDU1MA_504d2b5a-3569-41ce-b0dd-b20597b74d73">27,870</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c4baae822244da79107c2cdef908c7f_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctMy0xLTEtMTI0MDU1MA_c1036d84-d544-4de2-860e-80ca33d98a56">20,174</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9573cd99137b40858ed68ec52b0fd75c_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctNC0xLTEtMTI0MDU1MA_58274613-5a1d-4ddd-8f53-0e43bd217370">467</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i715c7dcc5df4403a83e2a8392b8c6341_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctNS0xLTEtMTI0MDU1MA_d9393e47-dea3-4bb9-be57-181a4933bd1e">343</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if52a0980d4df476a9bbd24ef99eeb305_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctNi0xLTEtMTI0MDU1MA_e3891a9f-ad3c-41ce-b4ed-26019e11e152">421</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i809343b6d89a456e9ed2d04f21c625f2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctNy0xLTEtMTI0MDU1MA_83922025-4106-40d0-95ff-a3e13b849a13">285</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c343280d7f54e5ab07878650e758a88_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctOC0xLTEtMTI0MDU1MA_cdf9c99d-27dc-450e-b962-e534277824af">722</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e50108ebd0547078f34a3265640b134_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctOS0xLTEtMTI0MDU1MA_7e8b17ad-27b0-4b9e-bd1c-a3e9a7a3685f">701</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i70ae239ff9be486ea7bd01439116772e_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctMTAtMS0xLTEyNDA1NTA_558084e1-bb95-4664-905c-0ea38d2807a2">1,035</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id979ec30311649c8a7d43ff16d264469_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctMTEtMS0xLTEyNDA1NTA_a072db34-009b-4d91-b036-cb477564f861">934</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c9d38805e9b4df59edab25c8e7f0dec_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzctMTItMS0xLTEyNDA1NTA_d9d95e02-c130-4e0f-b82c-6f85f94d3b55">745</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non tradable assets eligible for central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9affc3b70b046f0b652d29f9bfcdc51_I20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzgtMTEtMS0xLTEyNDA1NTA_ed2b3c33-b0f9-4ea4-986a-e16f9fdb3d37">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3cf3aa384a684c5ea71840d0d0a3528d_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzgtMTItMS0xLTEyNDA1NTA_34bc3653-a9e3-41c2-89bc-c543ea6294ae">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cumulated counterbalancing capacity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5660a1f23784e81b4613a21142307ab_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktMS0xLTEtMTI0MDU1MA_dd65b746-06b8-4469-a145-2fc3085ca742">110,981</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i25c2f5044e1a443a810325139273fb99_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktMi0xLTEtMTI0MDU1MA_2efffde3-157c-4e4d-b2e9-103f4f49da22">115,127</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1285a86b1cff47a6879c4db3b7eb1c0b_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktMy0xLTEtMTI0MDU1MA_3149517a-bc10-4c40-b026-fadb49bb117a">119,560</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8349636315d4926972d452e4e880a99_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktNC0xLTEtMTI0MDU1MA_8c96f605-4cd6-4e81-8122-21e664235263">27,388</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8bdff3d2204c4076bcf34509753629dd_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktNS0xLTEtMTI0MDU1MA_851beb83-20d1-421c-a3f2-2ac3ce1747d9">26,472</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if20eb4c4a9dd425a98d92702e0c59dab_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktNi0xLTEtMTI0MDU1MA_17f25e44-e7ec-43f5-a1c7-d78a528c21ea">18,672</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i355d5b8344e24511a6739630d3d14b75_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktNy0xLTEtMTI0MDU1MA_2a9f8e64-a6c9-4b55-84f6-4c1639e63a8d">16,181</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibea60953df4d434ebd72147f326f5deb_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktOC0xLTEtMTI0MDU1MA_1a56771d-627a-45b8-ab79-ede2b1dded53">14,449</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabf19df5e5214aa28376053585ed982b_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktOS0xLTEtMTI0MDU1MA_c64d900b-14b3-4374-be12-15c9993bc4c3">13,873</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i520f3842e82f41178e1a37296bc0ff6b_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktMTAtMS0xLTEyNDA1NTA_7c669579-6b45-4191-a3b1-d9fc996a8399">14,136</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b773d8c796343a1bca717931e4f23eb_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktMTEtMS0xLTEyNDA1NTA_7d70c3b0-4c82-4fe6-8dd1-e7b67a88762c">13,440</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i731d3eb48be84288b4cc70b5a4a85b6e_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTo5OTBmM2M3NGJhMDA0YTliODAzYWNhYjM1NThkZGY2YS90YWJsZXJhbmdlOjk5MGYzYzc0YmEwMDRhOWI4MDNhY2FiMzU1OGRkZjZhXzktMTItMS0xLTEyNDA1NTA_4e88eff9-d5fe-4a51-8f1a-b1bbfba13e59">13,814</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Net Stable Funding Ratio (NSFR), defined as the result between the amount of stable funding available and the amount of stable funding required, requiring banks to maintain a stable financing profile in relation to the composition of their assets and off-balance sheet activities. This ratio should be at least 100% at all times. The NSFR ratio of the BBVA Group, stood at 135% as of December 31, 2022.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NSFRMainLMUTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90ZXh0cmVnaW9uOjYzOTljZDg0NzMyMDQwNjlhZDljZjgzZDg0Mzg0NWNmXzU3NzI0MzYwNDcxMDU1_b1276b6c-5301-46d2-aa49-ef4a23f2ec8b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The NSFR of BBVA Group and its main LMU at December 31, 2022, 2021 and 2020, was the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:49.439%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.389%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">NSFR main LMU</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020 &#8317;&#185;&#8318;</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzItMS0xLTEtMTI0MDU1MA_ec75f862-6819-4a4d-944e-ec3a798aad45">135</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzItMi0xLTEtMTI0MDU1MA_67f1068f-d410-4ec8-aeca-1ebee8daa0ba">135</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzItMy0xLTEtMTI0MDU1MA_ab19bb0a-0149-4c25-8c3e-822c607f9008">127</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA, S.A.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if2fb61ebde4b44768340d5160ff455d5_I20221231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzMtMS0xLTEtMTI0MDU1MA_86d9bdde-5174-4f67-9a27-8d4eb7d6cf0d">125</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia14e56da5ca243459f326bd2db68e8fe_I20211231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzMtMi0xLTEtMTI0MDU1MA_a1502e7c-849f-4cf5-aedd-b9d1576e4f33">126</ix:nonFraction> %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6639446307a9451d8047b682059e31e4_I20201231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzMtMy0xLTEtMTI0MDU1MA_3b6bdfbf-52ef-4bb5-97df-d764aaf512f4">121</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iae88701413464856bf1df49f3e85b64f_I20221231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzQtMS0xLTEtMTI0MDU1MA_42d892ac-625d-4dd4-bd04-f238746de3aa">143</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i45a76ea2007e458bb77e77018ecea267_I20211231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzQtMi0xLTEtMTI0MDU1MA_69f10854-ddf0-47a7-9986-163a56933f29">149</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib0f258a20fd241e38223e62facf5221a_I20201231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzQtMy0xLTEtMTI0MDU1MA_2ccf6f64-38dd-43d2-b8e2-b1c8e23a699a">138</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Garanti BBVA</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i80f0c0d03813497587266c1fb37abc1f_I20221231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzYtMS0xLTEtMTI0MDU1MA_76fb57be-5aa6-45bd-b03d-dd6921e2e5b5">166</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6770ee1af6d047a6a215010ef9489973_I20211231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzYtMi0xLTEtMTI0MDU1MA_f9efd9fb-216b-4e90-8d6b-039dfbe8d381">162</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2d252b3e890744fcb1e7cb162ff906d8_I20201231" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkZmMxNDg3NDhkMTM0NGRhYWY1ZTc3OTJlNTc0Yzc5Yi90YWJsZXJhbmdlOmRmYzE0ODc0OGQxMzQ0ZGFhZjVlNzc5MmU1NzRjNzliXzYtMy0xLTEtMTI0MDU1MA_aef07040-3246-4860-a2eb-927e041e66f3">154</ix:nonFraction> %</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90ZXh0cmVnaW9uOjYzOTljZDg0NzMyMDQwNjlhZDljZjgzZDg0Mzg0NWNmXzU3MTc0NjA0NjU4MTMx_2f785cc8-b326-4c01-a5cd-ff5fdf4705cb" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) 2020 Ratio calculated based on the Basel requirements.</ix:footnote></span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ResidualMaturitiesByContractualPeriodsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90ZXh0cmVnaW9uOjYzOTljZDg0NzMyMDQwNjlhZDljZjgzZDg0Mzg0NWNmXzU3NzI0MzYwNDcxMDU2_7c9dc149-74cf-4213-bdbf-c3a69754909f" continuedAt="ib1e6ab6442784a859e203b012bcad15e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below is a matrix of residual maturities by contractual periods based on supervisory prudential reporting as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.238%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022. Contractual maturities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Demand </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 3 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 6 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6 to 9 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9 to 12 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 2 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2 to 3 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 5 years </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i392a2a9179804ce780836d2c58bf7dd4_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtMS0xLTEtMTI0MDU1MA_29c4b223-dea7-4428-b18c-fc9fea499941">9,227</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia56e716cde6e4ee58db0259f8acfb672_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtMi0xLTEtMTI0MDU1MA_a698dd93-8722-489d-be55-226c2764bcc1">66,497</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie1bae79fb57047be94a0314e6a1c2e5c_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtMy0xLTEtMTI0MDU1MA_c8abf957-3cb3-447d-848b-9e0209b1690f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97c8baf7929f4b999ae5e5944a40523b_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtNC0xLTEtMTI0MDU1MA_9752c7d1-156b-49eb-bc9e-9f3a6e8c9f96">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d71373658414644a62603f16abe893b_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtNS0xLTEtMTI0MDU1MA_f66a0edc-e975-4438-9d84-64e939c0c585">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb19c795edb34a46b3123d500554e294_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtNi0xLTEtMTI0MDU1MA_acdecac9-32f4-4f85-a579-b86c4a1bdc8c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e635c1684e0493fbddfb1aab24b66a2_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtNy0xLTEtMTI0MDU1MA_83172fa9-13db-4785-8779-398941ec81e5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia87e35677bd1496ebf5add8f45e5093a_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtOC0xLTEtMTI0MDU1MA_486c0949-7373-457c-b130-c861ef671b0c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i170210c5758844a9af6b42767ab45ee7_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtOS0xLTEtMTI0MDU1MA_30d30468-a8af-4fa4-8ed2-75169b4709e6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ac6b4b097094a0fbd96628473374223_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtMTAtMS0xLTEyNDA1NTA_f41dcfe1-71a7-4c37-a80d-326439941624">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4189da9da0440e8b9912c4ea118dffe_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzMtMTEtMS0xLTEyNDA1NTA_a92b42b3-cefe-4a4d-ad55-222e6f580a1b">75,724</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits in credit entities</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43bb3dd07016419194f6f31cec703d08_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtMS0xLTEtMTI0MDU1MA_de261875-2424-4268-9a81-3029ab392f67">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3fd1d4c7224840b784fbee29e7e11555_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtMi0xLTEtMTI0MDU1MA_fba7d6aa-7c3e-4e27-b5a9-e4bf3fe6a29c">3,870</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i84c88af8b98b4c59b8f4ebae0ddcf013_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtMy0xLTEtMTI0MDU1MA_5e69d39e-41e5-48f3-b990-aba79520ce91">319</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46c515c52c7c4491955fc0c6bcbfbad8_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtNC0xLTEtMTI0MDU1MA_c2ed06cb-5e3b-4786-b3cb-2f25b4aec5a9">433</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic967e39b5e1747658a63fff2b3f51f13_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtNS0xLTEtMTI0MDU1MA_c95e8d7c-508c-4f9e-8015-a526333719cd">434</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e7feee6bd2f4ad2b852672b3186d6ec_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtNi0xLTEtMTI0MDU1MA_ab5238cb-d773-49ac-ac79-e6af8b126679">468</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f6fce7615004c0599d500f3cbcb20fc_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtNy0xLTEtMTI0MDU1MA_e6f30201-b032-427c-bc84-bdc59ea1b9e5">242</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00812f4448ac434c99dbfb58bfee7cd4_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtOC0xLTEtMTI0MDU1MA_47a129e1-c9cd-455f-b4a7-ddb9dec59126">183</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c668c7a50c64ca1af70055458f65a6e_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtOS0xLTEtMTI0MDU1MA_5eadded3-7eb8-4974-af24-857d33980fab">6</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id9474a829eab479183c65161b0c730d7_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtMTAtMS0xLTEyNDA1NTA_c1343e4d-7126-466f-9412-bc2c836823fd">83</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia742f3897a184c8d93a03a5b5f5a1f1e_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzQtMTEtMS0xLTEyNDA1NTA_c021fc1c-a99c-4582-adc0-461016734a34">6,040</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits in other financial institutions</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i60b3f3d491a54923baf2cd2681e3c437_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtMS0xLTEtMTI0MDU1MA_3c060b3b-5969-4aa6-8652-e1425c39ec7a">3</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i288272ac454c49fdb0ea39969cf00512_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtMi0xLTEtMTI0MDU1MA_b0269b2a-0f87-43d8-a2b4-472939bc4193">2,199</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdc11687d5814496a693a5ac583e8b36_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtMy0xLTEtMTI0MDU1MA_4465c98b-5363-4d38-b0e6-a520c2234712">1,012</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a299969027d41a585258b6cb5c2f9fb_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtNC0xLTEtMTI0MDU1MA_50e1995b-980e-4b71-a1c3-2432c066d05b">746</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e74081dfee6406b8fd712f9a7b31a52_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtNS0xLTEtMTI0MDU1MA_0535d5c8-ae26-4312-a9a3-4fe018aa3e65">516</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13b9383e4fef4c159402576562db89a8_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtNi0xLTEtMTI0MDU1MA_a00403ca-346c-4423-875d-bfc63c2f085e">344</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4bbae258eb844f782952c15c53d6339_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtNy0xLTEtMTI0MDU1MA_86f1b159-b98c-4a5b-b0d6-efeef6ce77d7">971</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f860d44de604234b57b566185f40dff_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtOC0xLTEtMTI0MDU1MA_84c891e6-cd43-4f04-8ac0-b737515ab35b">816</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if71eb40995fe45b1a2631fc472a48f33_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtOS0xLTEtMTI0MDU1MA_ab53be80-721d-497a-8113-746beb7ad8c3">551</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6800fbdbce6648a8b19efd22d561962f_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtMTAtMS0xLTEyNDA1NTA_659b493c-b716-464f-bd0a-8a1a52ed4d41">830</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2a97bd676104c51b40a53800aa1b10c_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzUtMTEtMS0xLTEyNDA1NTA_cd31e1fe-7407-40b0-bb3f-f23b981b3035">7,988</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repo, securities borrowing and margin lending</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib0af09c1e49b4ecea41464774f97d9cd_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtMS0xLTEtMTI0MDU1MA_04073202-faae-4aed-9ef9-e5d2c6912f0c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if523f21b589b456f8a2536b3809d96c0_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtMi0xLTEtMTI0MDU1MA_1dc9b764-1e75-4515-bcfe-04f5972e100d">31,049</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e3bd34917704be892ec3e60d6fae50f_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtMy0xLTEtMTI0MDU1MA_b2a9f042-49ea-45f7-b43f-354d70829bf9">5,743</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9113ebac36ab481eaea5cf46b090fd76_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtNC0xLTEtMTI0MDU1MA_932fbb7b-7048-4c4d-b0f5-79147accc005">3,368</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i908067692c6846e387bfc8ac6485b809_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtNS0xLTEtMTI0MDU1MA_13c8107d-4b8d-4075-a596-17350149ca5e">1,432</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07767d6e452048bdb9da2d97cf4e1a50_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtNi0xLTEtMTI0MDU1MA_2773f9de-2e7f-4d24-bf42-272390b8e476">1,127</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4265bd804a344433abf013eeb82600bf_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtNy0xLTEtMTI0MDU1MA_6c3f08fe-f869-40f2-89c6-bbbc2bc61da0">4,582</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i942036f6f0ef4dbbb0a68cc0195b76e8_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtOC0xLTEtMTI0MDU1MA_e1602b61-5c23-4e90-ae91-37cae5a6f3c6">1,354</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e6e7a4ecac34803b699a6087a372567_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtOS0xLTEtMTI0MDU1MA_9ce50c0a-d489-4914-9502-7e34eec0c2e0">2,400</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2afed1b178274755924652dde04713b4_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtMTAtMS0xLTEyNDA1NTA_60b96abf-9ddb-4080-8607-d3ebaa27742a">289</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic61ebd7f34d749b89728b9a27cb4cb0a_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzYtMTEtMS0xLTEyNDA1NTA_fd1406b7-a80a-487d-8247-93e947bad582">51,343</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ba0ee8b98314416bbab7b7a8ad519ed_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctMS0xLTEtMTI0MDU1MA_a278fe5e-768e-4d53-9aa6-3a6c04701213">99</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i341e63583e024f18ae58f7bef502bb38_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctMi0xLTEtMTI0MDU1MA_34ba60d8-fcba-4fcb-9ad4-57a6163ff64c">24,622</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1d1f27c819d64dbf9502392cea8fa83a_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctMy0xLTEtMTI0MDU1MA_6d7fdb57-6311-4f73-b294-4c0142a60c91">32,009</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a8cefefe0fe4dd99fb103f0ef5e64ab_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctNC0xLTEtMTI0MDU1MA_a8f84c03-69fd-406c-801e-4831adffd981">25,622</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if80ef056495d4abaa8c31c3fe1c5ce6e_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctNS0xLTEtMTI0MDU1MA_e74e8ae6-5584-4c89-8bd2-bd4482d71e45">14,827</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b313f2cd79a4b0bb633eb8c26196d95_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctNi0xLTEtMTI0MDU1MA_cb9d6a11-508d-41f7-92c6-efb8e5c99a4f">16,766</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9546808c5db349bf8b9c0a96cac75f63_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctNy0xLTEtMTI0MDU1MA_64acdd65-0667-45a2-87c8-393e0f9a7210">41,049</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f64a111697c4883a20a04909a5036e1_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctOC0xLTEtMTI0MDU1MA_2fcab380-1edf-4db3-bd73-473c8502119a">32,510</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if35a3c5b326f497ba2408aa9eaa99577_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctOS0xLTEtMTI0MDU1MA_bcf36278-fd86-404e-8319-28bdcda0566b">43,828</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7d05a069f33c426bba390232ea83c651_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctMTAtMS0xLTEyNDA1NTA_2afdb344-18e1-4d98-9012-7afc3080149e">96,201</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6cb6ddc7aa945a5a7f501330b38da01_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzctMTEtMS0xLTEyNDA1NTA_ecf6005d-b51a-4a3c-825e-ea6d49633060">327,534</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securities' portfolio settlement</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7142fd19301546ac979e86187644279c_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtMS0xLTEtMTI0MDU1MA_945cf45f-c9ef-455f-be3d-20047853905b">1</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i552d792ddb2c43fab1b9beac42adc660_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtMi0xLTEtMTI0MDU1MA_1e6a6d8a-82f1-4b37-95e8-52c383bcc241">4,031</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic159ce275ce741a9a6beb48d5313c020_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtMy0xLTEtMTI0MDU1MA_6b3e3100-414a-48f6-8b26-899dac276012">4,107</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae36e3cbef794a5da36ce6cd3205bbb9_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtNC0xLTEtMTI0MDU1MA_1216a385-f719-4320-8004-542f2bc847f4">8,200</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15675fb2596e4d659f00ba6f9169416c_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtNS0xLTEtMTI0MDU1MA_847f42f3-4e50-4e66-8c29-4bee36250d9b">4,305</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1fa3d5d94be4443f9212736403232cbe_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtNi0xLTEtMTI0MDU1MA_063b05b7-2aae-493f-b810-e200148cb975">4,746</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i614f3d2f20d74270a5a8bb317bc720ef_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtNy0xLTEtMTI0MDU1MA_c3b01dc8-c5b6-4978-83ed-4bb122acc55c">18,417</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i794ef8e1872e4ec4819736c39fffe6ce_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtOC0xLTEtMTI0MDU1MA_a391eb8a-bd22-49d2-8beb-4144959c9b4c">8,744</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7900d081b5f849b69495a381ebc2bc32_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtOS0xLTEtMTI0MDU1MA_314fc2bc-347c-46b6-8215-2b5e6bd1796a">23,307</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i622a10367f874a8daebcbb362bb33d35_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtMTAtMS0xLTEyNDA1NTA_04bf88f0-6953-4a90-a085-433f7e48dcb0">31,480</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64a5c7e22ba94e4493f9772dbf019e54_I20221231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTowMGVkOTVlMTE4NTM0ZDhhOWNjNDJiYTI3YzRhYjRlYy90YWJsZXJhbmdlOjAwZWQ5NWUxMTg1MzRkOGE5Y2M0MmJhMjdjNGFiNGVjXzgtMTEtMS0xLTEyNDA1NTA_b55491cb-3ca7-4509-b702-611bb1597528">107,338</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.238%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022. Contractual maturities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Demand </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 3 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 6 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6 to 9 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9 to 12 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 2 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2 to 3 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 5 years </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Wholesale funding</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa81dd7b2ea546f297f770d29114bd29_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtMS0xLTEtMTI0MDU1MA_0b55f3c9-387f-4afe-b64d-01f94e0a6144">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7f44d2e0ed2468fa53be6240d442640_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtMi0xLTEtMTI0MDU1MA_b3c0036c-7e7e-447c-b602-064da2105e48">1,841</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf8b25c4914846ff8b0feb1ccf7d4506_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtMy0xLTEtMTI0MDU1MA_60103901-4558-4816-b274-5d36fc52e08d">4,434</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica1d590dcdfe4ffb8d4fdd28f8722c50_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtNC0xLTEtMTI0MDU1MA_fff42aec-41f6-4de1-a98d-6161321ca0b8">1,050</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i607137c96d9845d58f45862a4afcc5b8_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtNS0xLTEtMTI0MDU1MA_0c13d5ec-0e57-422f-9c4d-0e9c8b811867">3,148</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb35077f79bc40d7b06db02e5e6e9a07_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtNi0xLTEtMTI0MDU1MA_39eb833c-584f-42e8-bc68-84df6c4d74e3">2,017</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccddd5c475c3435397c3bb5a52cd70c2_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtNy0xLTEtMTI0MDU1MA_e97e34c7-398e-4cca-871a-374247bc46e5">6,318</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibbc7a836e126446190829f4b71523eeb_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtOC0xLTEtMTI0MDU1MA_d8cf7ba4-91ae-43b0-8eaf-fedbb81bc7bc">9,423</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf12c279209c4de9898a52454ecf678b_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtOS0xLTEtMTI0MDU1MA_df5797c6-9ea2-48f4-a093-32823a15f3ce">13,282</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fe45457c4b24266bc5838ba3e2c7b06_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtMTAtMS0xLTEyNDA1NTA_f054ff04-d90f-425b-bb4a-74c6ba5e633a">18,145</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf2772c263494d16adbf0baf9fed8998_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzMtMTEtMS0xLTEyNDA1NTA_43cd7535-b993-4d00-a674-7384e9e39f13">59,658</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from financial institutions</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1825b1ba3d2541f68134cc30897cae17_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtMS0xLTEtMTI0MDU1MA_88e17cef-6aea-49b4-81a1-72ad47d75d3c">2,176</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99bac7e7adb241ca8067952b5d6e99d7_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtMi0xLTEtMTI0MDU1MA_fd596e2f-a624-4b40-a50e-1eecd6ac0d9e">7,885</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f9f06dc0abd4e009e289c29a7113987_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtMy0xLTEtMTI0MDU1MA_4afc7b47-4769-4fa3-97fb-80998f5f2828">628</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92be3f7464694df4abe9fd81bcf4d0b5_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtNC0xLTEtMTI0MDU1MA_ab2cb2bb-22bc-4636-b8fa-6a105c05ddff">806</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5248521b272428482fd1c8135e83b18_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtNS0xLTEtMTI0MDU1MA_145dc474-ca88-4d25-8f91-01aa1749c785">56</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3182d23bc704685a87945ea77606079_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtNi0xLTEtMTI0MDU1MA_7f6a4313-d98b-46e6-b616-c2d385281e8f">694</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icee40b81ae8b43ba906b5cb41ebe464c_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtNy0xLTEtMTI0MDU1MA_47a2e7c9-ca99-4e07-8772-019877df79a2">648</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cfeaebf5dfd4368a7eab88bebdbeb28_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtOC0xLTEtMTI0MDU1MA_6710c9e7-c211-4af9-8091-bef307b1e7d0">211</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7d00acad44884a3ba585f3a6df024d0d_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtOS0xLTEtMTI0MDU1MA_cc22d55e-2c1f-4575-9d3e-95be729e91fa">396</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib741f594edb146a7bf06d33485fe9144_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtMTAtMS0xLTEyNDA1NTA_6476551f-5a9c-42e3-9e97-bbb60c0ff84b">399</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07bc21ab8e124f2b8b75473244a4604e_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzQtMTEtMS0xLTEyNDA1NTA_812d25a0-ded5-499e-91ff-9ccc86dc8358">13,899</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from other financial institutions and international agencies</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i917923fb3d8848cdb836b9e77986e3fc_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtMS0xLTEtMTI0MDU1MA_0e885985-8bde-4c8f-8f5f-41d156789728">7,392</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67f210ef87af4e6e9954ba308a32aa51_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtMi0xLTEtMTI0MDU1MA_041bed1a-fcd6-414d-9ac1-8a511c35e15c">5,760</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib650f14d0a8842b6939e72f9a773be30_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtMy0xLTEtMTI0MDU1MA_e85dd738-fdfe-4974-9dc6-c5d40ec1f967">1,465</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c1089040d764acfb0ec17355c51e3c2_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtNC0xLTEtMTI0MDU1MA_a2d45576-a69f-40c1-8a94-84ae33d397ec">464</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if24746cfdc95444094005042ad23c307_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtNS0xLTEtMTI0MDU1MA_1ecedc66-7384-4a67-83a9-f0a936b14567">379</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d80a9d8d9e8481f9d94e41b0bfee050_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtNi0xLTEtMTI0MDU1MA_89a3d499-dc98-4430-b648-fc45bd582c79">758</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71faac72b163416baa006b67ad7cbf6c_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtNy0xLTEtMTI0MDU1MA_acc2204d-4407-42e8-b32c-2a96869b4f19">700</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20487a7ce8a1473797cb0116e9a9b184_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtOC0xLTEtMTI0MDU1MA_3c808b13-31b4-4dbf-a29a-23196c5b65d8">293</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i994a48d81abd4e4dae136b8addad8c88_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtOS0xLTEtMTI0MDU1MA_3c3a22a3-99f0-4fa7-9331-daaa0ee57d90">594</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieab4395eb6a04905b829953b547ae415_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtMTAtMS0xLTEyNDA1NTA_ad5c2f1b-fd37-4bf4-8aba-fc9f058b8aaa">727</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44770cb213a247a29a2a4b87d3da40f7_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzUtMTEtMS0xLTEyNDA1NTA_b84e31d7-ea96-42c4-9845-0860851f5030">18,532</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30f664fe8c5a424b946635bb263311b3_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtMS0xLTEtMTI0MDU1MA_7a42b616-dea6-4909-a09c-8d54a38f6653">302,667</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib73956c29f4343e5ab72ec44997c9fb0_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtMi0xLTEtMTI0MDU1MA_5dcb4b4d-ed54-4476-94e4-9e98fe95ffba">38,951</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf34e0fca57c41cab2bccf5b02bbee26_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtMy0xLTEtMTI0MDU1MA_c855130a-ae56-472f-953c-e64322b6aa49">18,542</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72ab8f3be7f8412099a129e3da0cfbbd_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtNC0xLTEtMTI0MDU1MA_cc000297-50a9-4585-a325-605e2017d9a8">6,776</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0db5994b31bb40eca76622fe5d50cafd_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtNS0xLTEtMTI0MDU1MA_8ac24c60-3181-40e7-bb21-a9698080e0cd">2,575</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic04ed405c42b4c1aa66d720f0b6781c1_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtNi0xLTEtMTI0MDU1MA_32e69125-a3b6-4637-bfe6-fa782c1179d2">2,870</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8bf6bd446cd248a98c33e5b4e830893b_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtNy0xLTEtMTI0MDU1MA_1872f6d6-a988-4a61-9d48-de1ab4afd306">1,476</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00828a66a88343b98854df9a63993e4a_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtOC0xLTEtMTI0MDU1MA_645ca203-fbc0-4d5e-b88f-4839b76719de">1,276</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5254f7cc6939427fbf31744b894b6483_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtOS0xLTEtMTI0MDU1MA_6b8f4d4c-d754-4905-8392-6e60e1c5f0e2">798</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id89ded08378d4976a6a21a06ce56bd40_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtMTAtMS0xLTEyNDA1NTA_183c3b55-1f78-44c3-a80c-0e3043037d7a">273</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic773ddfee3f34fc3973280802ce01d47_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzYtMTEtMS0xLTEyNDA1NTA_cd14fdc6-27a4-4d0b-b8b5-a9ba971d8906">376,203</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Security pledge funding</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05a82789ee8245bea305972206d83417_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctMS0xLTEtMTI0MDU1MA_8c5870f8-fdcf-4897-a561-29a3673b0781">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i399b45ddb74e4175828383caaa0c6454_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctMi0xLTEtMTI0MDU1MA_710b5e1e-5b47-4854-98df-f67662f8fd4b">51,638</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00222c9ef5f347d5bf7f31d011281639_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctMy0xLTEtMTI0MDU1MA_d87f1a28-d9af-4aa7-bd0b-ddda19bc234f">14,543</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dd9140cb6b74644bd0d5591338bd854_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctNC0xLTEtMTI0MDU1MA_45390e65-0125-4c7e-afdf-c695528e8d37">17,736</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia025fc8843eb4694a99be3e9e6fd04f6_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctNS0xLTEtMTI0MDU1MA_fe4b70f9-b20f-4204-8d96-0b5ea4e84ccf">866</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3df4abf91494e2ab39d6eac90730ddd_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctNi0xLTEtMTI0MDU1MA_5fe7b764-f3fb-4961-8a59-1ae23eee317b">1,503</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib90b28797d9044c69c9a913b8496afba_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctNy0xLTEtMTI0MDU1MA_34f8a4d4-ee6f-4a9f-84af-a75341d7d34e">8,136</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1f5bc238ed54b5ca1a3e4400024b547_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctOC0xLTEtMTI0MDU1MA_6423bcd5-8e74-4017-9b26-8418e4c68761">1,524</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i511199d7dae44dbaa29712aba4e73641_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctOS0xLTEtMTI0MDU1MA_e2740f5f-4552-4f92-a175-c4521a154026">3,493</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifab0e26980304e8086bfc9606b736a8f_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctMTAtMS0xLTEyNDA1NTA_7ce7c354-9b38-476a-9dbd-6d7113034dd3">575</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1118b88b3f8f4135ad5c1967220629cf_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzctMTEtMS0xLTEyNDA1NTA_5f500898-3dca-4426-96b5-bd3332e23b77">100,013</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives, net</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c182640e5154fdfa79e95891fcddbb0_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtMS0xLTEtMTI0MDU1MA_1eb7f8c3-54c0-4b24-878c-a837e12e2422">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9b5865f407d24519ab661c4b3871e726_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtMi0xLTEtMTI0MDU1MA_ee912426-77dd-4e00-8396-a597b09c407c">253</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i963ea03387c14c0599c4b988bb431acd_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtMy0xLTEtMTI0MDU1MA_9201ab21-a093-4d3c-b7d9-a8163237e5d8">24</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i17147c64835149c585af1d5349c4f577_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtNC0xLTEtMTI0MDU1MA_b79ce467-2ed6-44a3-b345-9aa5cf0e05c9">1,010</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i696b94bf3cf64aee8836d5820bb117ad_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtNS0xLTEtMTI0MDU1MA_1c1c7af4-e1c5-4f90-8356-a7388be2f6cf">23</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6129b1ad88f6461bb6c0847c631afab2_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtNi0xLTEtMTI0MDU1MA_715e6f60-4fe3-4470-a9ca-ecceb9283413">175</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if138ea3cae8a41f5abf301ba61d745ce_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtNy0xLTEtMTI0MDU1MA_d7d42ba4-84e8-4c27-844e-86077f372c21">40</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id9876a3e7f3c4b8ca9bf424f9aefa6e2_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtOC0xLTEtMTI0MDU1MA_64d45530-22a7-48b6-92c0-3eef93105c8d">153</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3e32bd8f01b4471ca03cfc55e1fea520_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtOS0xLTEtMTI0MDU1MA_d906a8ad-c1d0-4a91-8713-9763c3835d0e">466</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i66b680a228064f35bbf3c13653deacb2_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtMTAtMS0xLTEyNDA1NTA_81c9f746-6348-4a43-b6f3-5bfb4898360c">3,717</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i62913938dd784c27898a71f5fc40b6d2_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTpkOWYwN2MxNmQ0Nzk0MmIxOTE5MTY0OTA0ZTVmM2Q2Yy90YWJsZXJhbmdlOmQ5ZjA3YzE2ZDQ3OTQyYjE5MTkxNjQ5MDRlNWYzZDZjXzgtMTEtMS0xLTEyNDA1NTA_5fe66715-a928-44ee-8d73-88f2a8880ce7">5,383</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-94</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i1f2b249c034d4601bf278a1cffdb3c77" continuedAt="i53d6c8b4add94060b8fdb99512b755d0"><ix:continuation id="ib1e6ab6442784a859e203b012bcad15e"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.238%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021. Contractual maturities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Demand </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 3 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 6 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6 to 9 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9 to 12 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 2 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2 to 3 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 5 years </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c3b67fb011f415b86df157c13851f77_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtMi0xLTEtMTI0MDU1MA_2834b9b0-65c6-4c6b-a322-a181cbff1ccc">3,781</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0dd0c37bfccf47b086c1f93bfdb4fde0_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtMy0xLTEtMTI0MDU1MA_87e165d7-9dee-42eb-aec5-cdaa10e97da3">400</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie99c43eeb90249cabb2a9fa6f04c67a2_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtNC0xLTEtMTI0MDU1MA_7e1e8b0b-ff82-4c30-9150-665502697a84">790</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie50cb4280bac4ca19db096cbc43d888e_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtNS0xLTEtMTI0MDU1MA_660b17ae-ce25-4861-a05a-443e19720986">373</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i138d74540dbc4fe6acaa3e63d272f8f6_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtNi0xLTEtMTI0MDU1MA_a60aedaf-7404-4554-9540-baa660d8c42e">299</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i974e536b51b343fabb8eb51f841bb450_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtNy0xLTEtMTI0MDU1MA_82ab9749-e65b-44eb-b747-5ecf9c617a1d">211</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24ae5076f1404f6285f9e75e7bcd3fb7_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtOC0xLTEtMTI0MDU1MA_1b85009d-2ae6-4bb4-bab3-0cfb377be012">166</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d7c1c9e5b674d559c423d8d9a909a0a_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtOS0xLTEtMTI0MDU1MA_9311405d-f02d-411b-9658-465078228d02">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb91619b844044d8ae6a83b1d63900d0_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtMTAtMS0xLTEyNDA1NTA_660eee13-fb9c-480f-a082-62e1332b5a44">26</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i232599d38b4e45378e4c8dab559bab58_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzQtMTEtMS0xLTEyNDA1NTA_f18c0033-8c45-40ae-b023-1e64afaf18f7">6,056</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits in other financial institutions</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0fb985ceab54a258ab9e468cacf3cb9_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtMS0xLTEtMTI0MDU1MA_306ab1c1-9a8f-482b-81d0-a95e4dee789b">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4bab554baecd482d8e17bacdf35a17ea_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtMi0xLTEtMTI0MDU1MA_3f462a98-c188-43ab-96c1-a58b6c9c70aa">901</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdd08aa106d74a0ca663826305c6c01e_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtMy0xLTEtMTI0MDU1MA_56be2d1b-f954-4717-a68a-2d0ce1799985">801</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53a985322c5e4c0d96ba104a8b02ac38_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtNC0xLTEtMTI0MDU1MA_eac0f886-9544-4241-8b5b-03c1bc7b9d49">584</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90dc1a5eb2f44422bd9c1124837629a0_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtNS0xLTEtMTI0MDU1MA_1ae09684-e5df-4aef-8640-e39f41b8ca2b">727</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e0d6b6e2570492392d71feaf3855662_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtNi0xLTEtMTI0MDU1MA_a7a6c5f5-362f-4609-bdf5-7771aa4e077e">432</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58868a6452bf43ffb66cc759015ab429_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtNy0xLTEtMTI0MDU1MA_cd7ee563-9835-4897-a2d2-259dd3b63a17">694</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i140101b828d041f18aa1df8ede18fd8e_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtOC0xLTEtMTI0MDU1MA_3d8af1e0-731f-4bc6-9cfe-a43a4e85e502">470</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76f78befc40d48728527f0b18ee255ea_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtOS0xLTEtMTI0MDU1MA_903cd008-0c72-4500-afcb-2dd7b9bb2310">261</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1039961e3ada4a5e902cc2b78766a474_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtMTAtMS0xLTEyNDA1NTA_f1817373-02c4-4f5c-b54d-b5e06bd00bc6">469</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9163f00a7ddc4167a6c6e63548d859e3_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzUtMTEtMS0xLTEyNDA1NTA_22767e89-cbdd-4696-baf6-625b479f28d3">5,343</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repo, securities borrowing and margin lending</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8be91a816584b3d89d5be4561472607_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtMS0xLTEtMTI0MDU1MA_63ee0aa6-2ab4-4a72-ae67-4831fe9395fb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic60112b687e644859acd1712253acff2_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtMi0xLTEtMTI0MDU1MA_322b80dd-34bf-47b0-8c33-e7e28549f345">33,856</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd98183d00d841f28dae6d6b49fb120f_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtMy0xLTEtMTI0MDU1MA_6c93c940-79a8-462d-b59b-a005312324fc">11,611</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ba8309e323b4d6f9fbed6e6d7bce8ec_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtNC0xLTEtMTI0MDU1MA_048f9d30-3a37-488a-abfd-f6c26eb70639">2,945</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i57429e79dd50462dac05aca737566356_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtNS0xLTEtMTI0MDU1MA_26cc34e8-3826-4e8e-a52c-a2265eaaf123">1,063</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i40edd37a552245e492b8815f050fe011_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtNi0xLTEtMTI0MDU1MA_5e9cf133-7018-469c-9725-32d8fa01dfb2">1,692</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85c047252ef141ddb7a8340cd84a7123_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtNy0xLTEtMTI0MDU1MA_b254b27f-390e-4006-bf07-602637d550a2">2,188</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c250813742a432ab3a22b3ab815bb59_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtOC0xLTEtMTI0MDU1MA_7f5a9cff-4d6d-49bc-b8ae-b09d01ded9d1">2,239</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib2b9bc4915d746d7862846506e3071d3_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtOS0xLTEtMTI0MDU1MA_88f9ed51-267d-4550-9f3b-0aa360d3e418">1,118</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c5252ff9df3452196a8c9fd8d5ef18f_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtMTAtMS0xLTEyNDA1NTA_d9c90472-1d77-4848-953b-b4046c936dfc">739</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7fdbd2818174488a7f519a10b4649a8_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzYtMTEtMS0xLTEyNDA1NTA_8ee721f9-e4da-4dbc-83ea-347be578ff9d">57,451</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ca6e918408841bebfba5088aeb2e8ba_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctMS0xLTEtMTI0MDU1MA_5f1e9cbf-b308-44a6-902f-872f0785db9b">174</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa7c16a6782a442ab6b5b5b93a3d948d_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctMi0xLTEtMTI0MDU1MA_02788f9e-cc06-4ff5-a5e2-daae57a80f36">18,531</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3cccf09de8984e5da448508bcee35ff2_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctMy0xLTEtMTI0MDU1MA_9e903ee6-ed82-4846-bc44-aade36b4d20a">23,185</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i627162e42b9e466984268640270f8d94_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctNC0xLTEtMTI0MDU1MA_e6cb7a29-a171-4285-9ac6-8cf27c43d1ca">22,141</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec7dab6aa387409ebd36dccd0d266c91_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctNS0xLTEtMTI0MDU1MA_3e6e1f03-f3ec-481f-afec-1b155a988811">11,769</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i604dfce6822f4347959b6e5435987418_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctNi0xLTEtMTI0MDU1MA_08e6f03a-2a38-4a31-b6be-71086295144a">13,782</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5b0af29fd9b4cec8f4da741ab095b06_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctNy0xLTEtMTI0MDU1MA_43a12823-2102-4dec-94cb-7d2ca1674b13">39,656</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ida482248515343aead12d66ffc833338_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctOC0xLTEtMTI0MDU1MA_0d756eda-f667-437f-b570-3987ba50eebc">30,049</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i136b048bbd4d4ee6961ec32d64d3accb_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctOS0xLTEtMTI0MDU1MA_2e8ec500-d3b9-4778-90ba-e9444d713bac">44,508</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc51d79236d14ec684c282636a6aa427_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctMTAtMS0xLTEyNDA1NTA_05d70ecf-c3a8-4677-822a-e86f32a1b372">94,780</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ce1c541ca88415a9176dacabae0b623_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzctMTEtMS0xLTEyNDA1NTA_35ac7d7b-7a5f-4173-aab4-e9e32b1c5f81">298,574</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securities' portfolio settlement</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icdc9d770b535482c90e3f0eb1c54d8af_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtMS0xLTEtMTI0MDU1MA_1a9c3a2c-e0da-45bc-a35f-8e3b92d6bbc0">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d813cc7474c417d835d3ea5bbfe36a7_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtMi0xLTEtMTI0MDU1MA_469b2018-031d-405d-ac5f-80ff59f543c9">1,779</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21e07b8bed7a4a88ba6a83a8da48504e_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtMy0xLTEtMTI0MDU1MA_9b541130-4e9c-4088-bf74-c1ebc6c6f9b0">3,606</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7499eb45af8f40699a05934842812007_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtNC0xLTEtMTI0MDU1MA_25f1497a-b0a2-4369-a32e-0b7d99e8961e">3,395</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic09de24e70f64ca1abfafca0af36f4a7_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtNS0xLTEtMTI0MDU1MA_0b60ecd0-a074-4a9d-bed1-2b75caadb04e">2,333</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8363e50cdf884e79a5bc848f2e337c2b_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtNi0xLTEtMTI0MDU1MA_3235508a-1518-41af-bb02-dffbbb27afae">3,958</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88590af6d51c4fc9a51605aa16a1142c_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtNy0xLTEtMTI0MDU1MA_29bce791-bc2c-4964-b946-74375abf5815">18,854</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a1d1aff425c41a5bb623721fda35082_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtOC0xLTEtMTI0MDU1MA_2fa16659-1575-464b-a126-5e3209eb9273">13,135</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8012c62f51f54f29ad7729e68cdaec2f_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtOS0xLTEtMTI0MDU1MA_292f2513-17ca-4de5-9356-85709defa8c8">17,214</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7410eaf55ac46a988456af13732a003_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtMTAtMS0xLTEyNDA1NTA_83d60c86-c96d-4012-82a5-608c1744fb55">47,331</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic69c051702024909819635adc91818fe_I20211231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToxYzhmNjc0OTE2ZTQ0YTAwODVkYWMyMWZkN2E3NWJlOS90YWJsZXJhbmdlOjFjOGY2NzQ5MTZlNDRhMDA4NWRhYzIxZmQ3YTc1YmU5XzgtMTEtMS0xLTEyNDA1NTA_6e894e97-3087-4218-b7cf-30c79da2c866">111,614</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.238%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021. Contractual maturities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Demand </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 3 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 6 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6 to 9 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9 to 12 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 2 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2 to 3 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 5 years </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Wholesale funding</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefd8a83874a349d696c3b3166bc9077b_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtMS0xLTEtMTI0MDU1MA_9b4c2b22-ba62-4e89-87e8-9ee2a0536f4b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4fe2b831e76c47c88bf9dc0f4dea9a7d_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtMi0xLTEtMTI0MDU1MA_7d10b182-4c9b-454b-9f61-8771c7691d2f">3,065</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bbe0e3f2a6b46cb83aa9ab84a5a8a7a_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtMy0xLTEtMTI0MDU1MA_e687d2e5-67e9-4c0f-8b15-6ef40cd19d18">1,077</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied14d498681642cfa76240679d33535a_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtNC0xLTEtMTI0MDU1MA_eb80441c-4a11-45be-a6b3-6aba4eeb64cc">3,498</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie9eab80420fa4d7ba2cd9b67a99d1ebb_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtNS0xLTEtMTI0MDU1MA_dd008a07-aaaa-437c-b84d-dc81b655211d">2,914</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacd765f3f2a840f9ada17a9df9a186fd_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtNi0xLTEtMTI0MDU1MA_3d12bd50-a869-49c0-abf8-47b735f0966a">1,885</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cbb1ec33b624de49148eab8d5158250_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtNy0xLTEtMTI0MDU1MA_bcac93c6-409d-483d-ac8e-af6c26de898e">9,477</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07952149c37645cd88e1cbc35c3cffb3_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtOC0xLTEtMTI0MDU1MA_1b660cfd-2239-4617-8c23-fa549bbcde19">4,931</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6b35ef166c94aeb9dd41b1931c41700_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtOS0xLTEtMTI0MDU1MA_d8335d04-c753-4113-921a-c0261af9fcbb">12,332</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88a6e4b6fdfd4ca08554de7a4c202a18_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtMTAtMS0xLTEyNDA1NTA_6337de7f-f9a0-478d-95c8-c795c59d0840">19,991</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id45bf950bbbb41a4bedbbb1997265174_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzMtMTEtMS0xLTEyNDA1NTA_a446000f-0e7f-4dda-a74f-49ae2dc932c6">59,169</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from financial institutions</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i499fbd61f3f94514a7f1bd66a88881ab_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtMS0xLTEtMTI0MDU1MA_c2c5fc15-28a9-4dcd-af31-1150fd9d1d1c">1,936</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6372bfef3a7e40ec870ebf53f539d975_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtMi0xLTEtMTI0MDU1MA_ef57b3c3-08e7-49af-a3db-9f7ceb76974c">4,257</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15fb28987a6e4152a03b31e315d1bb2f_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtMy0xLTEtMTI0MDU1MA_02123330-fe53-492d-868d-e09699fd9688">415</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i84c242f780a1453fb5ac27639b9e7d89_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtNC0xLTEtMTI0MDU1MA_6d5e7293-e6b3-4cd6-a09a-01ab2c2b2243">825</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91abcbacd38f4b17b1e22bc97ac332e0_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtNS0xLTEtMTI0MDU1MA_4f4af5e5-ef6f-4545-b7f2-53f1ebb60d40">183</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic55fbfc5505e4ea595fa7daf25bb471f_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtNi0xLTEtMTI0MDU1MA_aa18622b-c0f4-47a5-ad74-5b8db7dd86fa">924</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d72b60f489e44668a685af9dbdecb5c_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtNy0xLTEtMTI0MDU1MA_3d157c84-78ca-4f5c-bc6a-ac61c933eb52">496</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d1b7eddd33847f08d65dd85b6e0c334_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtOC0xLTEtMTI0MDU1MA_f31da7d8-3f05-4053-af4a-09677d0eccdc">146</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd65b470f53c40f0b5c6819de7266d4c_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtOS0xLTEtMTI0MDU1MA_f4570a4c-90cd-4642-af8f-ba38f14ad348">146</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i059bfa81284248f1aefafe13cbc2aa08_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtMTAtMS0xLTEyNDA1NTA_4de6ff4e-fc93-4be5-bf23-c37d126ec2d7">579</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibbcb1fd0d9eb4b54a093e65422babdec_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzQtMTEtMS0xLTEyNDA1NTA_2b72d796-1943-44f8-9899-69f58023c08f">9,907</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from other financial institutions and international agencies</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2840285799e24d8489948f640665c3ad_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtMS0xLTEtMTI0MDU1MA_c7c06afa-a5d9-4350-94d2-b31aabe159fe">8,894</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0876b35829ca476aaa9c5200d6b668b8_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtMi0xLTEtMTI0MDU1MA_15a22ead-a9a5-419d-9b07-f4a0684b4cbf">2,728</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1f1ceafff06446383d13b76f7c8a60f_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtMy0xLTEtMTI0MDU1MA_18022239-cabb-4a51-83d5-954e77ca0bec">1,700</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fb976b71bd04b7e81fe525f5490614f_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtNC0xLTEtMTI0MDU1MA_5a0f6b1d-6aa1-491a-a65d-fd84ff2c65c0">382</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8baafbc37c1d4b07a411298f0adf32f9_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtNS0xLTEtMTI0MDU1MA_dfe83b95-5b32-43ab-92d9-e5d4af4476d0">289</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4f407c8e7924d8aabc2c2f441085f90_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtNi0xLTEtMTI0MDU1MA_b762d623-08df-4616-9540-869618e10764">227</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41cc1bc55efc4025b73cc0c2b26365c9_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtNy0xLTEtMTI0MDU1MA_41d0a86f-3c69-4695-b74a-b97299068737">578</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b3fc1c32db04e3eac4a6f72eb911f55_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtOC0xLTEtMTI0MDU1MA_eb40154a-2e4b-4c17-87a8-57881155d25b">231</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i225057925f6d4a0db258b7d8e184b8d3_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtOS0xLTEtMTI0MDU1MA_b5b5255c-1bf8-43a4-9fc7-fcf5f1aa3662">337</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i050585bc49a54333bf1bda6e62707c88_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtMTAtMS0xLTEyNDA1NTA_5c6852c5-89cb-4025-9519-d447ce620bc4">722</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i995ace3141d641f285e58c8a6a164162_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzUtMTEtMS0xLTEyNDA1NTA_d2e4fe10-f3e1-4a2a-aa9f-a301dfc61a29">16,087</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba2b2a0e5056400ab0f6d4e17fd2e2c7_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtMS0xLTEtMTI0MDU1MA_84087bc5-7796-4c1b-8651-379c55cdb651">281,812</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bc447f3dd0946bc87987fa21cfa2f3a_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtMi0xLTEtMTI0MDU1MA_0efcfdd5-ccd5-4057-b7bf-96b56ff2d4b7">28,806</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i65630edb6d59488fa88afe558904abcb_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtMy0xLTEtMTI0MDU1MA_902bcd70-bacd-42e7-9e50-43a61d07f328">11,814</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4183bf7fc7224136aa13fbdb2ed63909_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtNC0xLTEtMTI0MDU1MA_1d3122d9-d123-4619-842e-df0482326083">4,867</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2eff5cee80654d319d4be12c368532e3_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtNS0xLTEtMTI0MDU1MA_6138c82a-36d8-4428-a2e3-24be8b81715c">1,717</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0213f04fa64446a3b2ca21e63950e591_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtNi0xLTEtMTI0MDU1MA_b08ca314-778c-45bd-8968-07fc3e16f76d">1,520</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05f22f4dc4434947944274e5c7b933cb_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtNy0xLTEtMTI0MDU1MA_617add1b-5057-4526-87ed-4823a121b623">1,740</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic64d7b43163045e990f0684611c45f49_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtOC0xLTEtMTI0MDU1MA_a6302701-8d5c-448b-a3d9-e2405d642ff1">578</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibae323c4575e485dbdcbaa2d29e8c0d0_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtOS0xLTEtMTI0MDU1MA_26c2373d-a2a0-4222-9120-78e3ea598b05">863</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd1d9d238b644257b6cf2dfe1fa87fb3_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtMTAtMS0xLTEyNDA1NTA_aba02f42-0cf4-49bd-877e-04dff56c60d4">416</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a6a8dedfc7342fcaee1b00af1b341da_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzYtMTEtMS0xLTEyNDA1NTA_9943fbec-5ddf-4cdb-862f-21d9f2852792">334,132</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Security pledge funding</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia87fdac4006d495fa3b5de08f23e6dfb_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctMS0xLTEtMTI0MDU1MA_d8c881aa-a3f8-4646-ac2f-b0c2b0ead6e6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3a0b63006b5491cb574c0757e473275_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctMi0xLTEtMTI0MDU1MA_5814a080-bb1b-436d-ab20-c9048b2d34ea">52,437</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8f23aa334a44c4c9547f0f17d7d1568_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctMy0xLTEtMTI0MDU1MA_d58b895d-1f6b-499c-802d-761de8036602">6,858</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id36a02a17e8f463ba312b224c9d761ab_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctNC0xLTEtMTI0MDU1MA_14e9c194-8a1d-4025-9114-a2e04dd222ad">2,485</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01ca7d1e6fcc403fb9eae7700fb18077_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctNS0xLTEtMTI0MDU1MA_88ff5c4f-93d2-4237-9e30-2cd789aeffa7">1,513</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide34f0a06cce4b8ab31c4ee9cc0cf301_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctNi0xLTEtMTI0MDU1MA_d8ed1a10-c8c9-4b9d-8221-20975b311139">8,252</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9933747cdc66404a8dc1dd82b974dfb8_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctNy0xLTEtMTI0MDU1MA_782ae7f1-12bc-49f2-8dd9-fe993d559f84">29,954</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia98552662c9946ec924cdb5ba09af45c_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctOC0xLTEtMTI0MDU1MA_31b0326e-fb44-4387-972c-337f57e4bc6f">5,527</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i993dbbcc7b9e4756bf899d9f89ea4ecd_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctOS0xLTEtMTI0MDU1MA_c464e470-f54b-438e-96f8-421e4ae1e74c">4,755</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iac8d0342fb1b419dbdd225f8b77b5ed7_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctMTAtMS0xLTEyNDA1NTA_28d49831-3040-4578-8db6-750bbc7d3e15">1,490</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85457ef2a3b84e5bb2e42429b10cbb3c_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzctMTEtMS0xLTEyNDA1NTA_cea80c58-3ee0-4b49-9537-e8de026cb7bf">113,269</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives, net</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i01080f4f27ac459ba03112a16687164f_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtMS0xLTEtMTI0MDU1MA_ac3befb6-39be-4a56-b260-db7db1bed554">33</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if2366494368d455c975485cf1c9b8c44_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtMi0xLTEtMTI0MDU1MA_7fb6178a-eb3d-4810-9b32-4be6678c9782">395</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i62d4c44bc0524a71841525a4d6847c89_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtMy0xLTEtMTI0MDU1MA_d5e74afe-5600-4085-bb09-517bdbc7f65b">176</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0b2d81abbd304b2a9836949b62a04331_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtNC0xLTEtMTI0MDU1MA_a0cba000-b15d-45f1-878a-64b80d14c783">326</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4908a88b4f6842c99b0e723d8f28204f_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtNS0xLTEtMTI0MDU1MA_39f2a5ee-1255-4b65-addf-7162b2c652ff">66</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i729ded07e24e4e49949d77ccd94d8d55_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtNi0xLTEtMTI0MDU1MA_a1e38d91-68b9-4b7b-9c1e-25379687ca64">641</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58ff4af8ab4f4df58e879f04e595374c_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtNy0xLTEtMTI0MDU1MA_8666b8ee-7227-4a11-b16f-5e44bd16a6c1">100</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6958c7f56db5482ea5155521edf658dc_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtOC0xLTEtMTI0MDU1MA_02cc269c-d534-4522-badc-0bee3921d7b3">122</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i19444f3606cd466da89a1bb742f3ae2c_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtOS0xLTEtMTI0MDU1MA_e63c77d9-457a-479b-ad78-7e59ada2f7ee">155</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i411732b8e9f8449a8569ff4c97d680b7_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtMTAtMS0xLTEyNDA1NTA_bd94203a-5d1f-476d-831e-89abaa9c0832">66</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iba33d7cca2964dc6aa906eb6fa3a019a_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjMyZTgxZjU2MDU0Yzk0OGUzN2ZlYjEwYWRkN2RkOS90YWJsZXJhbmdlOjJiMzJlODFmNTYwNTRjOTQ4ZTM3ZmViMTBhZGQ3ZGQ5XzgtMTEtMS0xLTEyNDA1NTA_5b55e99e-4abf-4d65-9152-beb33819a8ba">1,880</ix:nonFraction>)</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.238%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020. Contractual maturities (Millions of Euros) &#8317;&#185;&#8318;</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Demand </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 3 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 6 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6 to 9 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9 to 12 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 2 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2 to 3 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 5 years </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3325aaaab4c463b9acdf5025754d9d4_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzMtMS0xLTEtMTI0MDU1MA_14987fc8-ca72-4b60-85ec-bf645e3cd5b7">42,518</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid 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contextRef="i295a7529b6b84ce1898888ce9fd4c3d0_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzMtMy0xLTEtMTI0MDU1MA_77b7b4dd-9111-49bc-b052-6dc45c94f165">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idad2f14735e24afb840fa3875eaaefe7_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzMtMTEtMS0xLTEyNDA1NTA_4edb26e9-5ac6-447e-bb23-5ac7544f3c17">75,258</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits in credit entities</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e3370a8bf44465da63d950df4edda65_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtMS0xLTEtMTI0MDU1MA_daf1baa9-e587-4c2a-b674-6bdad0e8cad3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35cd119ac2244db3ab8ac2207ba0658c_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtMy0xLTEtMTI0MDU1MA_62e28448-c76d-43ee-9421-90297971cfcf">677</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3fa74d8e20244cddb63e747ec7eb7358_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtNC0xLTEtMTI0MDU1MA_4ff22bb7-2b4d-4364-bf32-3d95c5730e34">921</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie1d8875d9bdd412497f211fa50d9b4e0_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtNS0xLTEtMTI0MDU1MA_2b6c76ba-3528-4b63-a03c-3f5acbb69834">356</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id50d093199704f458bf4e223b1576916_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtNi0xLTEtMTI0MDU1MA_ecd8df1d-d2d6-4862-baac-4311d368d7ae">461</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8354c1d384224f378a81231ed7e2befa_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtNy0xLTEtMTI0MDU1MA_f01d9b7b-e3bb-4665-a464-5f7fd8a65567">117</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0b3c5a25d294c01b4856fcec74e4d61_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtOC0xLTEtMTI0MDU1MA_f4b93f48-230c-43fa-b4f5-50f995df6bc6">120</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99ae589be8e04221bb3cddf6056458b0_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtOS0xLTEtMTI0MDU1MA_3d14e05c-2b36-44b7-bc8b-d61597c43c18">2</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a4b8d582cc743e9965cb11f0003c879_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtMTAtMS0xLTEyNDA1NTA_77712641-db72-477e-8d2f-787aba1eae14">39</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0842ff7af9e41329131b700ac30c402_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzQtMTEtMS0xLTEyNDA1NTA_ba1c3bad-0e09-4608-a624-a8cc60840b29">6,309</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits in other financial institutions</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8992818bd89b40f289b1f6a06e843134_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtMS0xLTEtMTI0MDU1MA_db75a83c-18d8-4003-8ef8-8972f7ed20fd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77d6c588978748ca90e8a16fdfd39489_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtMi0xLTEtMTI0MDU1MA_930ca67c-fde0-41e5-8a76-686da14cce85">2,202</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i670a1a25c7e042cc8107eb7bb93135be_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtMy0xLTEtMTI0MDU1MA_c0c8f339-cfd8-4f69-b6cc-55dc3790321a">855</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32f0da83c8ee459c902db5f3fa7618ee_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtNC0xLTEtMTI0MDU1MA_751e9a8b-ecf7-4206-81ea-8035e3ae0ab7">797</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabc2e813e5564a78a7d62727434f8593_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtNS0xLTEtMTI0MDU1MA_9a1888d5-332d-4c0d-bfe1-3fcbf73dc9f1">734</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4ab4aa961e14a329f218477dc274fdf_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtNi0xLTEtMTI0MDU1MA_ce8012ca-d19d-4e51-ac31-56027976c3a0">543</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i96236d3470364d7686deca9ddb62dfc4_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtNy0xLTEtMTI0MDU1MA_8ac5ffa8-cb1b-435f-aa91-0be26106e8da">1,251</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98f9163977b0497d84e7c69aa5759f33_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtOC0xLTEtMTI0MDU1MA_e7cf277c-2bf1-40a1-a82a-ca9c7a1c8678">721</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12ea2fb3dbee412dbe06ab27d9492148_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtOS0xLTEtMTI0MDU1MA_2be3b8ff-1478-4611-93a0-97a157ecb65a">515</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia386ea2285d94f1e9da89d0aa1094dbe_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtMTAtMS0xLTEyNDA1NTA_1384a72f-6438-41ba-a1b2-419f8d5a3ca1">500</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1c56bf68de14438a19bf564a84c1ab1_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzUtMTEtMS0xLTEyNDA1NTA_bee03df5-7319-46d7-abe8-0f38233d689d">8,119</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repo, securities borrowing and margin lending</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0261f2f3f5f4be9b7bfea082ddfd9dc_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtMS0xLTEtMTI0MDU1MA_12a53978-a484-40d7-9e05-757fcdab4382">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90c12a0060be4f51a50692f13eb6d8eb_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtMi0xLTEtMTI0MDU1MA_18f25b66-859a-48ae-bbce-6e220c40c454">20,033</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f10787678744c4998b2bfcb37b70d2e_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtMy0xLTEtMTI0MDU1MA_d6925146-3520-4646-8fb1-3998952b865d">4,757</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibd10cd2bde6449cc980ad8932d389202_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtNC0xLTEtMTI0MDU1MA_734af20e-30e4-48f6-b740-258e78b92126">1,351</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b90d829e8124a1395c06b8160470b5b_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtNS0xLTEtMTI0MDU1MA_b7c26b76-d089-45ba-9d84-d06ad79e7135">364</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic251fd17f1bc4be2b735af7284408542_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtNi0xLTEtMTI0MDU1MA_c32533e0-8b67-414b-b98e-c6dc33f164ea">368</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1631de97da0c4571b7c117c1325aad8b_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtNy0xLTEtMTI0MDU1MA_e7dc7a5a-b914-463e-baeb-104d4105f850">3,320</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7310807a99854d3a9c4eb18c88fae218_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtOC0xLTEtMTI0MDU1MA_232214b2-4c1a-49e0-ad37-8880f5d81b05">1,849</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79a458f4ba0143258fa81a6d188c37da_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtOS0xLTEtMTI0MDU1MA_ef3bb73b-9983-4a27-8b0d-e566c622248f">891</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72914170edf54c61ba59f561635776e8_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtMTAtMS0xLTEyNDA1NTA_4755d202-80bf-4bd8-b764-7f6c8d8dba34">1,089</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43611cf2a0aa48528da595c83229ea1b_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzYtMTEtMS0xLTEyNDA1NTA_d12c48ae-1c46-4d49-b6e9-e051f7f4225b">34,021</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e257bea9f494883908f5042d2e6fa27_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctMS0xLTEtMTI0MDU1MA_796c8921-d5d2-4a33-b0e3-1d2d4f20bf77">279</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie9d60cf664f9472eaa50fba77408251e_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctMi0xLTEtMTI0MDU1MA_5aaf69d5-3f72-41c2-90b4-bd8527412b6b">16,939</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c4c8392bb8d420bbef271371eb780cc_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctMy0xLTEtMTI0MDU1MA_1c6a9b81-bb1f-4147-bd87-e9f44b1bc5dc">24,280</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd0fc9d8931740e5b31de1de51ddc44d_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctNC0xLTEtMTI0MDU1MA_bc5767d6-9a14-485f-8ebb-d9329ea164d3">23,012</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ebcb229abd049fe9983b6729a47d54c_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctNS0xLTEtMTI0MDU1MA_8584a08d-872d-4731-a02b-60e5e5b9fe95">15,579</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd89ad10bf4541b6bb6f5596339fa72d_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctNi0xLTEtMTI0MDU1MA_8ff48fe2-8dce-4d75-be02-bb625826f8c1">17,032</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49e017db3bc74f1382d3c49b1e0a2368_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctNy0xLTEtMTI0MDU1MA_b2f99f81-c5f2-4898-abe1-fd80f0301d82">46,182</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia88a5e455c664ce1a7a668d67b46999e_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctOC0xLTEtMTI0MDU1MA_a6f61445-ee87-4e5d-9283-ab053f6b27c4">38,851</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2eb0d0a5434b43558b7bbf30e0555749_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctOS0xLTEtMTI0MDU1MA_60adee9f-410c-4eef-8a24-aa8653bf26d7">51,709</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i536731b8364343a197edc5abd4bae852_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctMTAtMS0xLTEyNDA1NTA_96b8987b-79cc-46fd-8575-2a7f1f542482">110,173</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb7144ebb64f4f558293d3fe000f0891_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzctMTEtMS0xLTEyNDA1NTA_b32fb9bc-4cce-48d3-a49b-0150b3ec471f">344,036</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securities' portfolio settlement</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44dd6c28f7d243819e38d5d9f86ed2ff_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtMS0xLTEtMTI0MDU1MA_ea7a9d08-2fa8-43a3-b995-fa501c1ecc85">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1dfe73aca85b4d0e99a5dbb7b1a84029_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtMi0xLTEtMTI0MDU1MA_9ae1eb77-0676-4d07-a7eb-2eb9e2d87aa2">3,896</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i540f59358e134b55a20370387ae0f4bd_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtMy0xLTEtMTI0MDU1MA_a4b1af7c-aaac-4fe6-898d-40746c2fb5fb">6,680</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa11a28fc4ac4317919b505211775042_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtNC0xLTEtMTI0MDU1MA_78794645-fd45-401b-a59b-80efb6f25639">6,557</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6613bee4322b46a790db87d98ca1f1ce_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtNS0xLTEtMTI0MDU1MA_615ebf1f-1eb2-4b54-81a5-b29f9cc74433">5,084</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0eb6ff8771f44ea4a1f01ee82ba392e7_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtNi0xLTEtMTI0MDU1MA_eedd1af1-5283-457e-a7ee-bbd6a7cbb166">13,014</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c31bb89d68340c494d399be9fc292e8_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtNy0xLTEtMTI0MDU1MA_88158cc7-7d28-42c1-b922-b02147dd1315">9,858</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i594f35af515b4046a6be23be89a944c7_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtOC0xLTEtMTI0MDU1MA_49726844-96eb-4af7-bb0c-b024a690a6df">15,494</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia700ec34f9304e009f7c5f3a4bc5022a_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtOS0xLTEtMTI0MDU1MA_76f8445f-1b79-4c0d-8554-e64a4334fbe8">17,231</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87a67fbef708454bb02f42fe8f9e5300_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtMTAtMS0xLTEyNDA1NTA_b333c6e7-3f5d-4688-8019-4feeb4733088">50,045</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ee38b5f19504badba38afc58f3ec77c_I20201231" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZTozYTRjYmQ1YzEwZDM0YTM3Yjg3ZWYxN2Y1ZjRhODUyMi90YWJsZXJhbmdlOjNhNGNiZDVjMTBkMzRhMzdiODdlZjE3ZjVmNGE4NTIyXzgtMTEtMS0xLTEyNDA1NTA_b8f763b6-cdca-4e38-bc88-ad19af5ea480">127,859</ix:nonFraction></span></td></tr></table><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90ZXh0cmVnaW9uOjYzOTljZDg0NzMyMDQwNjlhZDljZjgzZDg0Mzg0NWNmXzU3MTc0NjA0NjU4NDc4_f5f6a2f1-2afc-466f-b869-8bcfe077eee6" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) I</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">t includes the balance of the companies in the United States (see Notes 3 and 21).</span></ix:footnote></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.238%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020. Contractual maturities (Millions of Euros) &#8317;&#185;&#8318;</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Demand </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 3 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 6 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6 to 9 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9 to 12 months</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1 to 2 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2 to 3 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3 to 5 years </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Wholesale funding</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1dac45efe1134c568b55c7dbaf247762_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtMS0xLTEtMTI0MDU1MA_c594f922-69a3-4b32-ab25-98b9196f7698">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a32c5f6cdc4447bb93ebea47c368202_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtMi0xLTEtMTI0MDU1MA_6928ae9c-f3e9-4048-a2c8-5da877439fb7">4,750</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7bbdfb05bdb04affa66da95995c969c6_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtMy0xLTEtMTI0MDU1MA_377d4479-206d-4474-9ea5-7118e43a4441">2,618</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87a4f58f507b4c9fa3d724c1641c315b_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtNC0xLTEtMTI0MDU1MA_ad4b7f09-b02e-4a2a-942a-a4741e482ad0">3,963</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia78224f118754da68842ab2f49aba470_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtNS0xLTEtMTI0MDU1MA_77d15a41-cbd7-4d3e-838b-6bd135b51c58">1,283</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6f09f14074b4c1eb03d9c85d6ba576e_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtNi0xLTEtMTI0MDU1MA_a4704e7c-4c7b-4c77-919d-2e98284eea37">1,543</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0a9bacbc835142a5898fbacd57cd9543_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtNy0xLTEtMTI0MDU1MA_463e5ceb-98d8-427c-9e31-9e64e79cba2b">10,573</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie07c6a4826554ba18ddd4b65f4110fd4_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtOC0xLTEtMTI0MDU1MA_d60cff2a-6057-4b32-913a-9ae40f315380">7,505</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iadacda87d118433981c250482bafca13_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtOS0xLTEtMTI0MDU1MA_364b6930-75c2-4842-8534-5c015e5e2821">12,793</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefd6d355c6bb439ea41aab116b91f028_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtMTAtMS0xLTEyNDA1NTA_bce6931d-f486-406e-9b1f-65c51446b85c">23,839</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia96e8e8910114d8c945850ae8678376d_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzMtMTEtMS0xLTEyNDA1NTA_3cc000bf-f2e0-4f8f-94df-694011783749">68,868</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from financial institutions</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78643f07833545fe8b56c96daaf62437_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtMS0xLTEtMTI0MDU1MA_efa3586d-e53d-44ef-97e3-a5c969d654c8">8,838</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i931bbf6a8d964f3b98fd7e7d70d45322_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtMi0xLTEtMTI0MDU1MA_f58bbfec-36f4-4a7a-990c-0d59fe79a37a">7,859</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifbfbaa6819dc45d09c90446d329cb06e_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtMy0xLTEtMTI0MDU1MA_6df56dd3-d38a-43f9-ba7b-1ef6b3c50dea">254</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e79f857585b4ebdac9ad045d0c7b4e0_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtNC0xLTEtMTI0MDU1MA_de6a5899-abe3-49f1-994d-80d23705cf8b">741</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibaba5240e6b7465a978895707f531d31_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtNS0xLTEtMTI0MDU1MA_4848b47a-09a0-4f3d-93ab-195ca3afe129">152</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b0f4b4d208243f8a7efff6cebd3f2cf_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtNi0xLTEtMTI0MDU1MA_347a0aba-dbe3-4cfb-93da-f449eb8d7a18">726</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie45a9c4b273c4375ab0356185f848f1f_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtNy0xLTEtMTI0MDU1MA_da48cf24-1580-4a7b-b046-306a6f8847f2">825</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367abfdfddc64bdf892bc522989006bb_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtOC0xLTEtMTI0MDU1MA_bf0dbd01-89c9-4d71-980f-019f4e80caa2">189</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f69ae18fa154a3c98d1e2713868bb2f_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtOS0xLTEtMTI0MDU1MA_03a20276-21e1-4d18-b4e5-1b50e3a4641b">166</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c44ff08e584438f9300e1b4bc4399cc_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtMTAtMS0xLTEyNDA1NTA_53bac7de-3c96-4cf2-afe0-4ea2da4551a3">371</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdecffddcde74e74b6d56955b31e2a03_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzQtMTEtMS0xLTEyNDA1NTA_667e6514-f8aa-41d9-a97d-0aef85c4fa18">20,120</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from other financial institutions and international agencies</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5f1e075c8094b189c099bebbdfffeee_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtMS0xLTEtMTI0MDU1MA_52b4dce3-3d03-48c3-85c4-f54d4111cb8f">12,735</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54677b0c69154039a13a428bd74715bb_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtMi0xLTEtMTI0MDU1MA_066ed179-0427-4c54-b1bc-582e067f694a">4,324</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7175e73dcd5e4fc6ba41b696e01a136b_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtMy0xLTEtMTI0MDU1MA_3e161d7b-5a0d-4c48-aa84-5c3d5680c7ac">2,694</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8c675f82673463e902ad4015b32dc66_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtNC0xLTEtMTI0MDU1MA_f1107a94-9d5f-425c-9e5f-6743892e43cf">588</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6f7c96142974296be54fb67db5826be_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtNS0xLTEtMTI0MDU1MA_831712a5-706c-469c-8574-58d08529473c">353</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7cf8d276d3a245bc8923d6917fc04d48_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtNi0xLTEtMTI0MDU1MA_c0fb52d8-447d-43a9-ae8c-ea20fb23cf00">272</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i600495e5af764b9083f0c0e82b288351_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtNy0xLTEtMTI0MDU1MA_d46a1a18-7bd6-49d4-aa30-b00b881d4c2e">957</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dca91e2edf84784b0a80082a98de0ff_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtOC0xLTEtMTI0MDU1MA_5ec665c0-5141-4a9e-9faa-4f60b44d0368">337</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i735d661038414c1e9b23f8d29712de95_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtOS0xLTEtMTI0MDU1MA_f58fc280-8b86-4c39-ac69-0f047753761c">459</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59595a5df6dd49f5a1e034ff7083b050_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtMTAtMS0xLTEyNDA1NTA_e2c3787b-f5c5-428d-8af5-7ca1c47424e1">870</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icdfa2a6954de4a2a967f0564e86af721_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzUtMTEtMS0xLTEyNDA1NTA_c17eba56-7a81-4654-a54e-9a7f9a2607cf">23,589</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i918db38725a14456b24f35899f8593fd_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtMS0xLTEtMTI0MDU1MA_afb155e4-cbdc-4d14-b8f9-29e3143e780b">308,360</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9776d8404de6449989440a716d13e572_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtMi0xLTEtMTI0MDU1MA_57e29c00-2a25-4e10-84fe-f4076aefa748">39,978</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54c764d47e244f9a8f91800d511ab42e_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtMy0xLTEtMTI0MDU1MA_9573f78c-7ce9-40cc-8fd9-48de6295c27c">13,416</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ae43b25aa0e4b06960c4e5e4995700a_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtNC0xLTEtMTI0MDU1MA_6fd85a25-62b5-42d9-88ce-3841e9e04a50">6,808</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c51b7353b0746149ecf69cbce1395d8_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtNS0xLTEtMTI0MDU1MA_c184846f-ca4b-4954-b250-7cd9ea48a7b6">4,526</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6c5dc93543b4332ae6a8470aff31cf0_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtNi0xLTEtMTI0MDU1MA_50ebb6e2-4680-424b-8db5-c2d6b6253d81">4,366</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad34c7249baa45e3a2c4505a5e836874_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtNy0xLTEtMTI0MDU1MA_2580255a-a2d2-45ba-bf4f-b0f1268ac329">3,361</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ef3a6761c9941c089ad309711bf3df3_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtOC0xLTEtMTI0MDU1MA_5c68b51e-84a6-4871-baa2-96d9aadbf04d">1,213</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1295ee9b948b4fe9a05b29d74c621161_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtOS0xLTEtMTI0MDU1MA_95e67c65-0993-4a52-8288-5045d6fbba2f">869</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7026ba44fee4ea5a616e65299da0cd9_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtMTAtMS0xLTEyNDA1NTA_5c6e80f0-7b84-4183-8c23-8878f9a86853">799</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i418cd6f99b9c492f8fc2626699877f86_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzYtMTEtMS0xLTEyNDA1NTA_9066e5d1-aadf-4f5e-959e-d029f34c5fa6">383,694</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Security pledge funding</span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7071369be1e498e8eaaee40a25c9508_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctMS0xLTEtMTI0MDU1MA_75d29ef7-bfe0-4021-a6c1-931227b60102">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i74a06b0725d9438c9ed98f3ba59c9830_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctMi0xLTEtMTI0MDU1MA_c4be9758-7ff8-4b8a-b7c8-5629555e0891">41,239</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ad94d3babf74b84bf40d9667f592327_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctMy0xLTEtMTI0MDU1MA_8c6ed264-d466-4cd5-a34c-a02bce873ea7">5,301</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf7d00a2257f4c15b47bd062a8688fb1_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctNC0xLTEtMTI0MDU1MA_271636cb-1d00-466b-8350-b3ee63d2911f">1,643</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief5a619d823746d88a9d01216d9583f0_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctNS0xLTEtMTI0MDU1MA_7238c667-7ae5-4da3-86a4-4932f8daeb1a">1,192</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19c81a089bf345a19e4a744602d7addf_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctNi0xLTEtMTI0MDU1MA_0d460ca7-108c-4828-b398-4765e8a3c046">368</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ee78fcfe2864bf89b71c0bd6ae8a739_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctNy0xLTEtMTI0MDU1MA_b87c1bfa-f8d1-4958-a782-d0261af1e318">11,304</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i090df1266dd249b796760d5d8099407f_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctOC0xLTEtMTI0MDU1MA_e517b8c2-f25a-4451-814d-949727c0ef93">28,510</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfaf808146bd4ee09dbe1f1f29a13eff_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzctOS0xLTEtMTI0MDU1MA_2e5f2ae0-7e4a-4bd6-af95-2c990f5a3e20">3,740</ix:nonFraction></span></td><td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3970cbc619994ea6a1b5768bfdea578b_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" 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unitRef="eur" contextRef="i7e4f93e9c16744128b60f72696d29af5_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzgtMS0xLTEtMTI0MDU1MA_b00179f6-54e9-47ac-ac44-035ae95eccd7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id4df69a9090347b48e83df17138d32ae_I20201231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzgtMi0xLTEtMTI0MDU1MA_5b2dbf72-64ac-48bf-a7e3-4aed28951834">722</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0cd39e24ba144f13a8fbc8c0c74868f4_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzgtNS0xLTEtMTI0MDU1MA_7b6d385c-f2be-4f8f-8be3-33733c43e95c">85</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia9ca7e09b77e4f349e7b7493d05b7ee2_I20201231" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjEvZnJhZzo2Mzk5Y2Q4NDczMjA0MDY5YWQ5Y2Y4M2Q4NDM4NDVjZi90YWJsZToyYjgyMDZkODkzODk0MDk5OTA3MTBjYjY1ODFlOTMzYi90YWJsZXJhbmdlOjJiODIwNmQ4OTM4OTQwOTk5MDcxMGNiNjU4MWU5MzNiXzgtNy0xLTEtMTI0MDU1MA_fafbbafa-7124-4cf8-a134-4bb9e44a3501">400</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:2pt solid #FFFFFF;border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i77c0302b84ac45138242f116a9338e97_I20201231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">t includes the balance of the companies in the United States (see Notes 3 and 21)</span></ix:footnote></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With regard to the financing structure, the loan portfolio is mostly financed by retail deposits. The &#8220;demand&#8221; maturity bucket mainly contains the retail customer sight accounts whose behavior historically showed a high level of stability and little concentration. According to a behavior analysis which is done every year in every entity, this type of account is considered to be stable and for liquidity risk purposes receive a better treatment.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-95</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i53d6c8b4add94060b8fdb99512b755d0" continuedAt="i143fd6780d4048bf9e2faffd4e26fab1"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The most relevant aspects related to the main geographical areas are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.74pt">BBVA, S.A. has maintained an adequate liquidity position. Commercial activity has generated liquidity due to greater growth in customer deposits than in loans, especially in the last quarter of the year. In December, the Bank began the repayment of the TLTRO III program for an amount of &#8364;12 billion, corresponding to approximately one third of the total drawdown amount. On the other hand, in order to maintain sufficient collateral available, mortgage coverage and territorial bonds have been issued for an amount of &#8364;2 billion, which are held by BBVA. Likewise, mortgage securitizations were issued and are held by BBVA, generating collateral for an amount of &#8364;4.4 billion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In BBVA Mexico, commercial activity has drained liquidity during 2022, due to the growth in lending activity that exceeded the growth of customer funds. Despite this, BBVA Mexico continues to hold a liquidity position that is deemed to be adequate and has carried out a cost-efficient funding management in an environment of rising rates.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:16.82pt">In Turkey, in the year 2022, the lending gap in local currency has been reduced, due to a greater growth in Turkish lira-denominated deposits than in loans. The lending gap in foreign currency has increased due to reductions in foreign currency deposits as a result of the measures established by the Turkish central bank to encourage Turkish lira deposits, partially offset by lower loans in foreign currency. Garanti BBVA continues to maintain a liquidity position which is considered to be adequate. For its part, the Central Bank of Turkey has continued to implement measures in order to reduce the dollarization of the economy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In South America, the liquidity situation remains adequate throughout the region. In Argentina, liquidity continues to increase in the system and in BBVA due to a higher growth in deposits than in loans in local currency. In BBVA Colombia, lending activity grew more than funds, though this did not compromise the liquidity position of the bank due to the increase in longer-term deposits. BBVA Peru maintained stable liquidity levels, thanks to the solid growth of deposits in an environment of reduced local currency lending due to the expiration of loans covered by COVID-19 programs. The recent political instability has not had a material impact on liquidity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main wholesale financing transactions carried out by the companies of the BBVA Group are listed below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In relation to BBVA, S.A. during the year 2022 it has made an issuance of senior non-preferred debt in an amount of &#8364;1 billion, two series of senior non-preferred debt securities in an aggregate amount of USD 1.8 billion, six series of senior preferred debt securities in an aggregate amount of &#8364;4.1 billion, a senior preferred bond (green bond) issuance for &#8364;1.3 billion and two senior preferred bond (green bond) issuances in an aggregate amount of 425 million Swiss francs. Additionally, in May 2022, the convertible preferred shares (CoCos) issued by BBVA in May 2017 were redeemed early and in June 2022 a loan securitization transaction was completed in connection with vehicle financing loans for an amount of &#8364;1.2 billion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">For its part, BBVA Mexico issued a sustainable bond for 10 billion Mexican pesos (approximately &#8364;480 million), consequently becoming the first private bank to carry out an issue of this type in Mexico, taking as reference the TIIE rate (Interbank Equilibrium Interest Rate used in Mexico).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:13pt">Garanti BBVA renewed 100% of a syndicated loan indexed to environmental, social and corporate governance criteria consisting of two separate tranches of USD 283.5 million and &#8364;290.5 million, respectively, both maturing in one year. It also renewed the second part of a syndicated loan (USD 155 million or &#8364;239 million), renewing 65% of its amount, in line with its strategy and in line with the banks of the peer group. Garanti BBVA also carried out a sustainable financing round of USD 75 million in 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:13pt">BBVA Colombia closed a financing with International Finance Corporation (IFC) for USD 60 million over 3 years. A financing transaction of USD 200 million over 5 years and another of USD 40 million over 3 years was also carried out.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_724"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7.5.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="i143fd6780d4048bf9e2faffd4e26fab1" continuedAt="i3ddf2788d6fb411a92855c81f728cf72">Asset encumbrance</ix:continuation></span></div><ix:continuation id="i3ddf2788d6fb411a92855c81f728cf72" continuedAt="ibed1cf66c401405f8a593edac948d539"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EncumberedAndUnencumberedAsstesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90ZXh0cmVnaW9uOjQ1MmQ3NTdkNDEzZDQ0OTlhYzEwMDY3N2ZjOTY1ZGE0XzY1OA_22644b66-3f6b-4042-be63-a32779555ea2" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the encumbered (those provided as collateral for certain liabilities) and unencumbered assets are broken down as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:20.625%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.371%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.378%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Encumbered and unencumbered assets (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Encumbered assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="18" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unencumbered assets</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Book value </span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Book value </span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75f1ae30429f4e37a40c4243cf8a9ccf_I20221231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzQtMS0xLTEtNzE0Nzc0_3e59e712-192c-46bd-af4e-4b09cfdd0501">92,916</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i155473f43116453183b7ff0e51ed69d3_I20211231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzQtMi0xLTEtNzE0Nzc0_5b2cf92d-05fd-48c4-9fac-05b9ebc39719">114,336</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b596f1790ca45c58d21de049a994fa2_I20201231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzQtMy0xLTEtNzE0Nzc0_ddfc0a3a-f2d7-40f3-8266-2bea015cfbe7">121,999</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75f1ae30429f4e37a40c4243cf8a9ccf_I20221231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzQtNy0xLTEtNzE0Nzc0_4796184e-222c-43ae-90db-4bb93faf6420">620,257</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i155473f43116453183b7ff0e51ed69d3_I20211231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzQtOC0xLTEtNzE0Nzc0_1c33cbae-38d7-4732-bde9-5741bc453cfa">548,548</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b596f1790ca45c58d21de049a994fa2_I20201231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzQtOS0xLTEtNzE0Nzc0_b00033e9-d5a6-45fe-a304-848380f43fdc">614,260</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee922fe79cc64524923a9f35ee8d92b3_I20221231" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtMS0xLTEtNzE0Nzc0_dfffdec4-bd3e-440c-a8ed-ad1625352060">819</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i788df77217ff46f4a8ef651cdfad9ee8_I20211231" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtMi0xLTEtNzE0Nzc0_bfb3e313-3783-4ba4-a8d9-69b2c883c537">307</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d41bf8f4c4c4b35bf35f0c2d6bb7782_I20201231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtMy0xLTEtNzE0Nzc0_e79dea72-dc33-49a2-a31f-cd1ce178a2e1">2,134</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76e95f94f9514071bbe07e93a8d60880_I20221231" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtNC0xLTEtNzE0Nzc0_3965d316-bb50-4c6f-b361-a37470ccdf14">819</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b469e98020448e189a6caeadeb585b1_I20211231" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtNS0xLTEtNzE0Nzc0_c0408306-f213-4aa5-8f74-22442ff4616d">307</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf8c779841b4489dab3598b5456126c9_I20201231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtNi0xLTEtNzE0Nzc0_33843fc6-0c40-42a0-9307-af5ed798f743">2,134</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee922fe79cc64524923a9f35ee8d92b3_I20221231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtNy0xLTEtNzE0Nzc0_028df3bf-aab9-406e-8b08-a2f54e758626">11,293</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i788df77217ff46f4a8ef651cdfad9ee8_I20211231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtOC0xLTEtNzE0Nzc0_c62ccf30-bf2c-4398-b2f7-9674f8388d10">22,280</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d41bf8f4c4c4b35bf35f0c2d6bb7782_I20201231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtOS0xLTEtNzE0Nzc0_ace7b95c-6dfe-42e6-8223-7e4e5eea2efc">14,556</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76e95f94f9514071bbe07e93a8d60880_I20221231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtMTAtMS0xLTcxNDc3NA_880f975a-8e5d-46fb-9ba5-f58afc9a4473">11,293</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b469e98020448e189a6caeadeb585b1_I20211231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtMTEtMS0xLTcxNDc3NA_1ac8b99b-e66a-4f16-8e04-25ffc8807279">22,280</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf8c779841b4489dab3598b5456126c9_I20201231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzUtMTItMS0xLTcxNDc3NA_70db94e1-70d6-49ed-aa62-76a520821134">14,556</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21ff4bf2b08344aeb9c80c5d8ee044ce_I20221231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtMS0xLTEtNzE0Nzc0_0f852544-12da-4685-a04b-ac39a77cb6bb">33,533</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i219b0ad9a45d4835ae502662895eed32_I20211231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtMi0xLTEtNzE0Nzc0_c5961041-1077-4933-8382-b74145454715">31,557</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id26bd3d45cd449fb89dfd8f284e57423_I20201231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtMy0xLTEtNzE0Nzc0_590b6ac7-e29a-4e5a-b302-a47297bcbd30">29,379</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb493be0d04449e9970239c7f1e86710_I20221231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtNC0xLTEtNzE0Nzc0_a4bfee84-f81a-4402-9809-5bf5af11db8d">32,291</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia29147d3cb474ea6ae2a00f6e047a0f0_I20211231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtNS0xLTEtNzE0Nzc0_c9f33aa2-7939-48eb-9abd-0fa490fdbd88">29,527</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd9a5157042942c8b169b325bd2228fe_I20201231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtNi0xLTEtNzE0Nzc0_5331c373-3459-4f7f-8422-f3a2a2a86618">26,112</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21ff4bf2b08344aeb9c80c5d8ee044ce_I20221231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtNy0xLTEtNzE0Nzc0_e3769781-45b0-489d-97d8-f532e6aef690">93,238</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i219b0ad9a45d4835ae502662895eed32_I20211231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtOC0xLTEtNzE0Nzc0_74ac7e64-b5fb-477b-be73-77d39ff02d83">89,307</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id26bd3d45cd449fb89dfd8f284e57423_I20201231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtOS0xLTEtNzE0Nzc0_282cb98d-2096-4fe7-a9f1-03f9267922c8">100,108</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb493be0d04449e9970239c7f1e86710_I20221231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtMTAtMS0xLTcxNDc3NA_4484a734-f851-443b-b8a9-cc68666a227f">93,238</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia29147d3cb474ea6ae2a00f6e047a0f0_I20211231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtMTEtMS0xLTcxNDc3NA_b79fc572-de7e-4b23-91ff-01426d974b75">89,307</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd9a5157042942c8b169b325bd2228fe_I20201231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzYtMTItMS0xLTcxNDc3NA_63a9a97a-8b85-4530-be01-dd10dce4328a">100,108</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances and other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26a5ec8931604f239d90c1e0d1f765f1_I20221231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzctMS0xLTEtNzE0Nzc0_eebd30bb-c993-4c84-b51d-e29e049b5497">58,563</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52bf3c1d99714cfd91d61f8b8af83816_I20211231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzctMi0xLTEtNzE0Nzc0_6e77bc73-ec3f-4a9f-81d8-dcb768c5da33">82,472</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia61b680778404ee0b54a66be045e00e8_I20201231" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzctMy0xLTEtNzE0Nzc0_1e1b1124-f4b5-41d6-890d-6289b6529b1b">90,486</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26a5ec8931604f239d90c1e0d1f765f1_I20221231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzctNy0xLTEtNzE0Nzc0_dd981f7b-7898-49d2-bf5c-f3d35437616a">515,726</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52bf3c1d99714cfd91d61f8b8af83816_I20211231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzctOC0xLTEtNzE0Nzc0_09f0565c-96b5-4f05-b2f5-6ccf9d995064">436,962</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia61b680778404ee0b54a66be045e00e8_I20201231" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTo5MzM3N2ZiOTY0YzI0YTI3YmRmOGUzMjQ3MjdhNDJiNy90YWJsZXJhbmdlOjkzMzc3ZmI5NjRjMjRhMjdiZGY4ZTMyNDcyN2E0MmI3XzctOS0xLTEtNzE0Nzc0_71c85d80-c2e5-4379-a9f5-803664987e19">499,595</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The committed value of "Loans and Advances and other assets" corresponds mainly to loans linked to the issue of covered bonds, territorial bonds or long-term securitized bonds (see Note 22.4) as well as those used as a guarantee to access certain funding transactions with central banks. Debt securities and equity instruments correspond to underlying that are delivered in repos with different types of counterparties, mainly clearing houses or credit institutions, and to a lesser extent central banks. Collateral provided to guarantee derivative transactions is also included as committed assets.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-96</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ibed1cf66c401405f8a593edac948d539"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CollateralPledgesReceivedTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90ZXh0cmVnaW9uOjQ1MmQ3NTdkNDEzZDQ0OTlhYzEwMDY3N2ZjOTY1ZGE0XzY1OQ_81aefca2-3faf-445d-8e65-3475b55c1c1d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, collateral pledges received mainly due to repurchase agreements and securities lending, and those which could be committed in order to obtain funding are provided below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.916%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Collateral received (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value of encumbered collateral received or own debt securities issued</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value of collateral received or own debt securities issued available for encumbrance</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value of collateral received or own debt securities issued not available for encumbrance</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Collateral received</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ed4f0a49eb946c69fa21cb7a3d198f5_D20220101-20221231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtMS0xLTEtNzE0Nzc0_d8234ac0-f6d1-4cf3-8b48-2f57220e694c">40,701</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6378e28d85c4580b262e94744ba3594_D20210101-20211231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtMi0xLTEtNzE0Nzc0_8e9bcc25-3cfa-4d66-b6b9-644943a29403">40,905</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie34620e72c0a41e2b8c73b3e88667860_D20200101-20201231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtMy0xLTEtNzE0Nzc0_bd10bfef-24fb-426a-9d62-e73c8b988b19">30,723</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ed4f0a49eb946c69fa21cb7a3d198f5_D20220101-20221231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtNC0xLTEtNzE0Nzc0_19dab6b6-85ce-4dff-8db4-ea3380574448">9,415</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6378e28d85c4580b262e94744ba3594_D20210101-20211231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtNS0xLTEtNzE0Nzc0_bddc5f04-049f-4d4c-98a8-0f5c7a624769">17,029</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie34620e72c0a41e2b8c73b3e88667860_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtNi0xLTEtNzE0Nzc0_b7e933dc-d9ab-418b-bc8a-b202df7d8fa3">8,652</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ed4f0a49eb946c69fa21cb7a3d198f5_D20220101-20221231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtNy0xLTEtNzE0Nzc0_037a1a9c-19f5-4fab-a7ec-545004727106">1,279</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6378e28d85c4580b262e94744ba3594_D20210101-20211231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtOC0xLTEtNzE0Nzc0_1983961e-41b2-42a4-a921-926d6f663df3">1,719</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie34620e72c0a41e2b8c73b3e88667860_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzMtOS0xLTEtNzE0Nzc0_dce3e647-6b7f-4e4b-a63a-c09fd19a0ef8">1,071</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7d2d357885a84cb781d8dbadaa4941c2_D20220101-20221231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzQtMS0xLTEtNzE0Nzc0_f74bc3d3-4b4c-4c1f-8459-49f4d3122552">323</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i835584e0ec66443eafb09e1b8375e55c_D20210101-20211231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzQtMi0xLTEtNzE0Nzc0_4844e16f-451a-4b7f-b560-e737c87ecc7e">289</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i084f39c16c6d4a88921894a50a4ad9c8_D20200101-20201231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzQtNS0xLTEtNzE0Nzc0_c87fadb3-145c-45f2-ab62-a88759210cb9">265</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i084f39c16c6d4a88921894a50a4ad9c8_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzQtNy0xLTEtNzE0Nzc0_c2677544-c5bd-4343-902a-94b2d203e8cf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i835584e0ec66443eafb09e1b8375e55c_D20210101-20211231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" 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format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzUtMS0xLTEtNzE0Nzc0_7ea08487-08c4-495b-87a9-2324e89b664e">40,378</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4aabb38690d74d9b97f6a725aa75eadd_D20210101-20211231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzUtMi0xLTEtNzE0Nzc0_9271cede-13a3-449c-85ff-0ee7ff99369a">40,616</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7a069edf4fd408897f8485bada755fd_D20200101-20201231" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzUtMy0xLTEtNzE0Nzc0_e84f5951-c525-49e5-95d9-889d555b49fa">30,484</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f6751fc57444101b8b3ca0032622157_D20220101-20221231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzUtNC0xLTEtNzE0Nzc0_b8be6d84-42ef-41bd-a2c6-951af59c61f9">8,656</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4aabb38690d74d9b97f6a725aa75eadd_D20210101-20211231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzUtNS0xLTEtNzE0Nzc0_05c7cf56-a11c-4fb8-9171-dd711500af7a">16,764</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7a069edf4fd408897f8485bada755fd_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzUtOC0xLTEtNzE0Nzc0_f68f9b56-e790-4dab-a9dc-100412728b91">1,719</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7a069edf4fd408897f8485bada755fd_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzctNC0xLTEtNzE0Nzc0_9a02e873-fdad-4cde-a2e8-c912f8c4baa5">92</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ba65ce8f10346f7a92268f135f93da0_D20210101-20211231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzctNS0xLTEtNzE0Nzc0_c67f5a82-04ad-444e-8926-db09846b4737">50</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1243410e331b47668144bedd85df5eec_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzctNi0xLTEtNzE0Nzc0_13668857-3efa-42d4-a3ec-f1ed7394a5fa">94</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3005fbc8c7384e56b652e0845d22a331_D20220101-20221231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzctNy0xLTEtNzE0Nzc0_40ee2cf5-d050-4064-93c1-4f5928c7e8ec">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ba65ce8f10346f7a92268f135f93da0_D20210101-20211231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzctOC0xLTEtNzE0Nzc0_8585a096-192f-490e-aef5-f48e4e304cf0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1243410e331b47668144bedd85df5eec_D20200101-20201231" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTphYzliMjU2YjQwZjA0YmE2YWNmOWZiNjlkNGQzYzExMi90YWJsZXJhbmdlOmFjOWIyNTZiNDBmMDRiYTZhY2Y5ZmI2OWQ0ZDNjMTEyXzctOS0xLTEtNzE0Nzc0_f9e7b661-7644-4546-be55-f4e7bd077540">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The guarantees received in the form of reverse repurchase agreements or security lending transactions are committed by their use in repurchase agreements, as is the case with debt securities. </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SourcesOfEncumbranceTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90ZXh0cmVnaW9uOjQ1MmQ3NTdkNDEzZDQ0OTlhYzEwMDY3N2ZjOTY1ZGE0XzY2MA_82457f99-5fef-4425-9e11-2ac42f2e3685" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, financial liabilities issued related to encumbered assets in financial transactions as well as their book value were as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.248%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.076%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Sources of encumbrance (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Matching liabilities, contingent liabilities or securities lent</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets, collateral received and own<br/>debt securities issued other than covered bonds and ABSs encumbered</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Book value of financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c60ba9bbb8412e98a84f65eb5811e2_I20221231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzMtMS0xLTEtNzE0Nzc0_0babdad7-a2d3-4a96-b4d0-44d5e392be79">122,400</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9a23bba2c0a492fb3c2754fcf81f1d1_I20211231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzMtMi0xLTEtNzE0Nzc0_ea2a65f2-0c39-4bc9-a29b-2dc54c6e581a">137,242</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i493c455a54b44fcdae26143503baaeca_I20201231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzMtMy0xLTEtNzE0Nzc0_b5eafca1-aedc-41f7-b96a-2e2c3e103612">131,352</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8c60ba9bbb8412e98a84f65eb5811e2_I20221231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzMtNC0xLTEtNzE0Nzc0_1b6b452f-e12f-471a-8c63-24c1e68090be">128,628</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9a23bba2c0a492fb3c2754fcf81f1d1_I20211231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzMtNS0xLTEtNzE0Nzc0_06c97445-9ee1-416b-9f49-b1014b617eac">151,275</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i493c455a54b44fcdae26143503baaeca_I20201231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzMtNi0xLTEtNzE0Nzc0_4e1d5351-506e-48b8-84f5-6bfe98cfdf70">147,523</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98be58922b574873a5c5f1a106cd891b_I20221231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzQtMS0xLTEtNzE0Nzc0_7027e228-2d9f-42a2-b158-28756b35854d">15,950</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e4fb6dcf204f6b82b3ac6a22ad9169_I20211231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzQtMi0xLTEtNzE0Nzc0_b32a9e69-17b2-4f0c-b523-e0cbd8ceda6f">15,368</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06c9c5eaf73c4838bd3c5843ea8683b1_I20201231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzQtMy0xLTEtNzE0Nzc0_49d616c7-43ad-4676-989c-240947e6db0f">16,611</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98be58922b574873a5c5f1a106cd891b_I20221231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzQtNC0xLTEtNzE0Nzc0_60abfea9-33bd-44e7-b4b8-f789fed9ef71">16,699</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1e4fb6dcf204f6b82b3ac6a22ad9169_I20211231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzQtNS0xLTEtNzE0Nzc0_373f3e4f-614f-4cd6-9fc0-6d5acbbf32d5">15,191</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06c9c5eaf73c4838bd3c5843ea8683b1_I20201231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzQtNi0xLTEtNzE0Nzc0_b09a0921-5dd8-4c93-b7a3-f68e4fc598a3">16,348</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9783088077a544e28187e7724aa36333_I20221231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzUtMS0xLTEtNzE0Nzc0_22b8e652-df31-43ec-8875-0f4949bb017e">95,728</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03e22c1147f3450c875a4e8785c53300_I20211231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzUtMi0xLTEtNzE0Nzc0_731b9f63-2fe9-4f8e-849c-44f21de7626c">109,311</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44503948eef449d1900764aefc3d2c44_I20201231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzUtMy0xLTEtNzE0Nzc0_2e2c64a1-1725-4ef0-8171-bf9116159147">98,668</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9783088077a544e28187e7724aa36333_I20221231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzUtNC0xLTEtNzE0Nzc0_999d3a74-395b-42b2-8fb1-6648162a95ee">99,077</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03e22c1147f3450c875a4e8785c53300_I20211231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzUtNS0xLTEtNzE0Nzc0_d75639a5-7685-4c98-860a-0536c08030e3">120,957</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44503948eef449d1900764aefc3d2c44_I20201231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzUtNi0xLTEtNzE0Nzc0_9237ccaf-e813-4e82-9a4c-c937e38c8140">111,726</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding subordinated debt</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i122796af546a48a8a65e696ad1cacfbd_I20221231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzYtMS0xLTEtNzE0Nzc0_23684475-88a5-460d-9f5c-e1e23538c7df">10,722</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3f2ff79c43c44eea3d825ec204efaf0_I20211231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzYtMi0xLTEtNzE0Nzc0_af2e74d2-c05d-419a-be53-1df6084482dd">12,563</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i529c048014554c13a97f36f80ca46c48_I20201231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzYtMy0xLTEtNzE0Nzc0_727f0054-3ba9-40ff-9450-7a67810a3aed">16,073</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i122796af546a48a8a65e696ad1cacfbd_I20221231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzYtNC0xLTEtNzE0Nzc0_8a164153-408a-42fe-89b8-7ce01e7119a6">12,852</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3f2ff79c43c44eea3d825ec204efaf0_I20211231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzYtNS0xLTEtNzE0Nzc0_c80ba98d-885f-4d2e-ab30-e4cbf75b67cb">15,127</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i529c048014554c13a97f36f80ca46c48_I20201231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzYtNi0xLTEtNzE0Nzc0_9c22d345-ba29-4a8c-bd92-428c5eaa4939">19,449</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other sources</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddc7a3bb09f343ecb575c9a6dd983e3a_I20221231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzctMS0xLTEtNzE0Nzc0_1eace508-f20a-4826-9cdf-67b4927db6cc">731</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37c8b61445754bcdb63a666b8d5098c8_I20211231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzctMi0xLTEtNzE0Nzc0_07654618-d5a6-4435-9647-ab1b5dd3fcb6">620</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5946789da8ce41c7968063c8c0dd0fd8_I20201231" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzctMy0xLTEtNzE0Nzc0_c2fa1563-1571-4cee-9005-fce567503629">653</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddc7a3bb09f343ecb575c9a6dd983e3a_I20221231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzctNC0xLTEtNzE0Nzc0_c5865632-3b43-43d4-98c8-4933ddac5b28">4,989</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37c8b61445754bcdb63a666b8d5098c8_I20211231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzctNS0xLTEtNzE0Nzc0_17b1a4dd-8a70-46e9-998e-f6c06aaed04b">3,966</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5946789da8ce41c7968063c8c0dd0fd8_I20201231" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjQvZnJhZzo0NTJkNzU3ZDQxM2Q0NDk5YWMxMDA2NzdmYzk2NWRhNC90YWJsZTpkOTM3NDcwZTM4YzI0NjBkODNkODVhZjc0NjYzNTc2OS90YWJsZXJhbmdlOmQ5Mzc0NzBlMzhjMjQ2MGQ4M2Q4NWFmNzQ2NjM1NzY5XzctNi0xLTEtNzE0Nzc0_90186994-b2f9-4778-9efe-db32c66ae128">5,202</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_727"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">8.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MjcvZnJhZzplODJkNDE0ZWUxMTI0ODQwYmU5YzQ3ZDY0NzUyNWYzNS90ZXh0cmVnaW9uOmU4MmQ0MTRlZTExMjQ4NDBiZTljNDdkNjQ3NTI1ZjM1XzEyMDY_23d2c091-aa7c-4399-a417-3ff58ac86b54" continuedAt="i6eb3ffb3d64c4a8588e5b5908c4e841c" escape="true">Fair value of financial instruments</ix:nonNumeric></span></div><ix:continuation id="i6eb3ffb3d64c4a8588e5b5908c4e841c" continuedAt="i0c3e382f7e1e4fbda7bba183180a189f"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Framework and processes control</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The process for determining the fair value established in the Group supports that financial assets and liabilities are properly recorded following the IFRS 13 principles, which defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants in the principal market or most advantageous market, at the measurement date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA has established, at a geographic level, a structure of Risk Operational Admission and Product Governance Committees responsible for validating and approving new products or types of financial assets and liabilities before being contracted. Local management responsible for valuation, which are independent from the business are members of these committees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These areas attempt to ensure, prior to the approval stage, the existence of not only technical and human resources, but also adequate informational sources to measure the fair value of these financial assets and liabilities, in accordance with the rules established by the valuation global area and using models that have been validated and approved by the responsible areas complying with the governance of BBVA Group's official models.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_730"></div><ix:continuation id="i0c3e382f7e1e4fbda7bba183180a189f" continuedAt="ia723e8f1fa4a44ab8fd2b4f0a6963290"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Fair value hierarchy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All financial instruments, both assets and liabilities are initially recognized at fair value, which at that point is equivalent to the transaction price, unless there is evidence to the contrary in the market. Subsequently, depending on the type of financial instrument, it may continue to be recognized at amortized cost or fair value through adjustments in the consolidated income statement or equity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When possible, the fair value is determined as the market price of a financial instrument. However, for many of the financial assets and liabilities of the Group, especially in the case of derivatives, there is no market price available, so its fair value is estimated on the basis of the price established in recent transactions involving similar instruments or, in the absence thereof, by using mathematical measurement models that are sufficiently tried and trusted by the international financial community. The estimates of the fair value derived from the use of such models take into consideration the specific features of the asset or liability to be measured and, in particular, the various types of risk associated with such asset or liability. However, the limitations inherent in the measurement models and possible inaccuracies in the assumptions and parameters required by these models may mean that the estimated fair value of an asset or liability does not exactly match the price for which the asset or liability could be exchanged or settled on the date of its measurement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, for financial assets and liabilities that show significant uncertainty in inputs or model parameters used for valuation, criteria is established to measure said uncertainty and activity limits are set based on these. Finally, these measurements are compared, as much as possible, against other sources such as the measurements obtained by the business teams or those obtained by other market participants.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-97</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia723e8f1fa4a44ab8fd2b4f0a6963290" continuedAt="i5678c8358e854256b844ecd0887c82a5"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The process for determining the fair value requires the classification of the financial assets and liabilities according to the measurement processes used as set forth below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Level 1: Valuation using directly the quotation of the instrument, observable and readily and regularly available from independent price sources and referenced to active markets that the entity can access at the measurement date. The instruments classified within this level are fixed-income securities, equity instruments and certain derivatives. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Level 2: Valuation of financial instruments with commonly accepted techniques that use inputs obtained from observable data in markets. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Level 3: Valuation of financial instruments with valuation techniques that use significant unobservable inputs in the market. As of December 31, 2022, the affected instruments at fair value accounted for approximately 0.57% of financial assets and 0.43% of the Group&#8217;s financial liabilities. Model selection and validation is undertaken by control areas outside the business areas.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_733"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">8.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="i5678c8358e854256b844ecd0887c82a5" continuedAt="i39133f7544634603beef23a75ddf309e">Fair value of financial instruments</ix:continuation></span></div><ix:continuation id="i39133f7544634603beef23a75ddf309e" continuedAt="ifba01177332e4eeebf3816909ba1e18d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90ZXh0cmVnaW9uOjg3NWJiODVhZTczMTQxYzJiZTBkYjdjM2YxN2RjMjExXzI4_1c4224b0-88e0-427b-8699-f2db35ba1564" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fair value of the Group&#8217;s financial instruments in the consolidated balance sheets and its corresponding carrying amounts, as of December 31, 2022, 2021 and 2020 are presented below: </span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:34.647%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.909%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.609%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#e9e9e9;border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value and carrying amount of the financial instruments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Value</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Value</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzQtMi0xLTEtMTIxMzQyMw_950aacd5-65e1-4a12-ab68-a5176fa23f47">79,756</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzQtMy0xLTEtMTIxMzQyMw_17ed3d93-1fd1-4188-b54c-123a12b862af">79,756</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzQtNC0xLTEtMTIxMzQyMw_82f41017-83cf-4d99-9afe-4d6ca5b0ffda">67,799</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzQtNS0xLTEtMTIxMzQyMw_1230eb60-a84d-41e1-abfd-214e23fa49d3">67,799</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzQtNi0xLTEtMTIxMzQyMw_3c71e13c-b882-4ce9-893a-06cf9aab0758">65,520</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzQtNy0xLTEtMTIxMzQyMw_e966b3ed-15b1-44f0-930f-f2d11e1bace8">65,520</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzUtMi0xLTEtMTIxMzQyMw_3daabfce-897d-412d-bc39-984a0bd69aa5">110,671</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzUtMy0xLTEtMTIxMzQyMw_607cd51d-4592-47a7-b655-15098d9515e2">110,671</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzUtNC0xLTEtMTIxMzQyMw_097db77e-1366-4af5-b39b-9fae20eb70db">123,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzUtNS0xLTEtMTIxMzQyMw_a58eb948-d9ce-42ae-8c17-4a2517e1a164">123,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzUtNi0xLTEtMTIxMzQyMw_ce50a722-d1b5-48ad-84de-af54a8ac5305">105,878</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzUtNy0xLTEtMTIxMzQyMw_b7e5537a-a0c2-4885-a739-9d47bd663816">105,878</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzYtMi0xLTEtMTIxMzQyMw_f3f9c57d-8347-4b04-bb74-4effb3ea9639">6,888</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzYtMy0xLTEtMTIxMzQyMw_fda461fe-0421-4309-824f-8851185a1c5b">6,888</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzYtNC0xLTEtMTIxMzQyMw_dd874cec-bd68-4d12-8e28-0b11c318282c">6,086</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzYtNS0xLTEtMTIxMzQyMw_f81403e9-586c-47e3-81d7-073ee843c803">6,086</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzYtNi0xLTEtMTIxMzQyMw_d1f23e97-af4e-471b-a1c1-5588877a4f6d">5,198</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzYtNy0xLTEtMTIxMzQyMw_7f6c3123-41df-4fc3-ba65-5febb4ce0ec8">5,198</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzctMi0xLTEtMTIxMzQyMw_316b0fce-f91b-4ebb-bd1d-d0ca165a87a3">913</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzctMy0xLTEtMTIxMzQyMw_9a20379c-4e0d-4db6-9f66-4dc4c972814d">913</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzctNC0xLTEtMTIxMzQyMw_573eb464-c9aa-4cc4-bebb-66a7c61e7fca">1,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzctNS0xLTEtMTIxMzQyMw_64f303cf-aa21-4e09-b2d4-955fb67f7d38">1,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzctNi0xLTEtMTIxMzQyMw_60363806-da52-403e-a3d0-1b5130673f4a">1,117</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzctNy0xLTEtMTIxMzQyMw_13195ab7-4b92-4f77-ad1c-25f1374c9269">1,117</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzgtMi0xLTEtMTIxMzQyMw_c425417e-f335-4fe8-8102-b7b356a4353b">58,980</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzgtMy0xLTEtMTIxMzQyMw_1934a20c-e5c0-4f50-a5bc-0a58ab9e700c">58,980</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzgtNC0xLTEtMTIxMzQyMw_a307f10e-832d-4f92-bd81-d23922fc8a1e">60,421</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzgtNS0xLTEtMTIxMzQyMw_4d379e29-6f87-478d-bf90-56ad0372ea61">60,421</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzgtNi0xLTEtMTIxMzQyMw_f185257c-798a-48a8-9ab1-eba2f5438c7f">69,440</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzgtNy0xLTEtMTIxMzQyMw_1ae4c52c-efc4-4705-98ec-f9aa96e5344a">69,440</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzktMi0xLTEtMTIxMzQyMw_0dbbaf42-11db-4d81-afae-0053eebf1fb2">422,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzktMy0xLTEtMTIxMzQyMw_e7a8d93b-30ac-41ee-b1c9-69bd1435ca0c">419,060</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzktNC0xLTEtMTIxMzQyMw_ac2b5332-9756-4525-b50e-d9e5d0f7010a">372,676</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzktNS0xLTEtMTIxMzQyMw_ed9143f0-f80c-46fe-9d7f-7f582347493a">377,451</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzktNi0xLTEtMTIxMzQyMw_57fc714a-2387-48bc-a97f-7e34b375bbb6">367,668</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzktNy0xLTEtMTIxMzQyMw_99322d37-959b-4799-9153-d4b2ad48aa30">374,267</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEwLTItMS0xLTEyMTM0MjM_c363e931-a4b0-44d6-b350-a3cb1770219e">1,891</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEwLTMtMS0xLTEyMTM0MjM_32237466-109b-463b-8eec-3a050770ad24">1,891</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEwLTQtMS0xLTEyMTM0MjM_52bac9eb-485b-47ed-8205-cda2e0f3216f">1,805</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEwLTUtMS0xLTEyMTM0MjM_10107ef1-40fe-4183-bd4c-3ea3602cfce7">1,805</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEwLTYtMS0xLTEyMTM0MjM_bf2a72bd-bb52-4832-a8a2-b3b0f44c201a">1,991</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEwLTctMS0xLTEyMTM0MjM_a217d295-75fe-483e-a250-430d18ac9e83">1,991</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEyLTItMS0xLTEyMTM0MjM_c3ad9a4f-6b9e-4b30-aa00-2cf5cc6ef1e7">95,611</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEyLTMtMS0xLTEyMTM0MjM_9e706f42-8707-4baf-b330-c03b424a92b0">95,611</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEyLTQtMS0xLTEyMTM0MjM_bf68645a-e0da-424e-826b-b31fd734923e">91,135</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEyLTUtMS0xLTEyMTM0MjM_b5b73984-11c8-4ca9-b55b-1aa964e03283">91,135</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEyLTYtMS0xLTEyMTM0MjM_5af5b2d8-5efe-4628-aea6-a6f5d44d5a8e">84,109</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEyLTctMS0xLTEyMTM0MjM_f8d8f7fd-013d-4fac-b2aa-47a568c4a9c9">84,109</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value through profit or loss </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEzLTItMS0xLTEyMTM0MjM_c109f47f-5b7a-47e3-9267-a0ac3d2fda36">10,580</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEzLTMtMS0xLTEyMTM0MjM_e3311dd6-c442-4601-9d02-435b7900f7f8">10,580</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEzLTQtMS0xLTEyMTM0MjM_a2cd9451-78b4-4c5e-9916-5b6468bf90cc">9,683</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEzLTUtMS0xLTEyMTM0MjM_98b24a1d-b0de-464e-a3c2-bbdf672e9c50">9,683</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEzLTYtMS0xLTEyMTM0MjM_00ee7a8b-9f46-4aea-b071-1127ccec543f">10,050</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzEzLTctMS0xLTEyMTM0MjM_83ff480e-3f20-4d90-a2d8-63d4d4dfb33f">10,050</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE0LTItMS0xLTEyMTM0MjM_d16b5147-963e-4f9e-93e8-403a612a8260">528,629</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE0LTMtMS0xLTEyMTM0MjM_118a2c2d-a27e-4e53-a853-067166d6ae6d">525,052</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE0LTQtMS0xLTEyMTM0MjM_7fe43a40-2de1-4d42-b577-60409091a017">487,893</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE0LTUtMS0xLTEyMTM0MjM_6c5b2d43-4d6f-4536-96d3-bd2ad3aa598e">488,733</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE0LTYtMS0xLTEyMTM0MjM_62f4c18c-0bcd-412d-8096-06cd48097a09">490,606</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE0LTctMS0xLTEyMTM0MjM_4748dd08-5318-4e42-b54f-62d61e815e4d">491,006</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE1LTItMS0xLTEyMTM0MjM_50131da2-260e-4db7-ba57-fa81d340cced">3,303</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811f87c51c3049e286009f241e1700c2_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE1LTMtMS0xLTEyMTM0MjM_aa039169-2382-43d5-9daa-b03196e90626">3,303</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #FFFFFF;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE1LTQtMS0xLTEyMTM0MjM_7988d6f7-0149-41aa-8edf-0ecb0872766c">2,626</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea9bc6e5fd5b43e8b8238185c178f200_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE1LTUtMS0xLTEyMTM0MjM_380fe950-bcb0-4487-9991-77db35c57915">2,626</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE1LTYtMS0xLTEyMTM0MjM_d761a1dd-d2a5-4925-a6b4-81d034f2784f">2,318</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfd6849f04254bc9a54c903dbdf73906_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzMvZnJhZzo4NzViYjg1YWU3MzE0MWMyYmUwZGI3YzNmMTdkYzIxMS90YWJsZTpiZGVjZTBlNDU0ZTI0MzlkOWRhMmQzZThjNGQzZTkwNC90YWJsZXJhbmdlOmJkZWNlMGU0NTRlMjQzOWQ5ZGEyZDNlOGM0ZDNlOTA0XzE1LTctMS0xLTEyMTM0MjM_80098d36-7524-48cd-bc6f-8c22a1ce1e4e">2,318</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Not all financial assets and liabilities are recorded at fair value. Information on financial instruments recorded at fair value and subsequently information of those recorded at amortized cost is provided (including their fair value although this value is not used when accounting for these instruments).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-98</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_736"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8.1.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"><ix:continuation id="ifba01177332e4eeebf3816909ba1e18d" continuedAt="i3df54f01449a461093099caa216ac4e1">Fair value of financial instruments recognized at fair value, according to valuation criteria</ix:continuation></span></div><ix:continuation id="i3df54f01449a461093099caa216ac4e1" continuedAt="i7f5fcaef48b841ce8082a559cc3f57dc"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below are the different elements used in the valuation technique of financial instruments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Active Market</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA considers an active market as a market that allows the observation of bid and offer prices representative of the levels to which the market participants are willing to negotiate an asset, with sufficient frequency and volume.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, BBVA would consider as traded in an &#8220;Organized Market&#8221; quotations for assets or liabilities from Over The Counter (OTC) markets when they are obtained from independent sources, observable on a daily basis and fulfil certain conditions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FairValueOfFinancialInstrumentsByLevelsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90ZXh0cmVnaW9uOmExZDdjNzQ4N2VmNzRhZTVhNjZjZWI4NzA5YjI4NzRjXzU3MTc0NjA0NjQ3OTc0_c56e6167-c0b4-4c38-959c-6ebc54a0c3cb" continuedAt="i4a4e5fceac5249e49a18a943dbf1ab52" escape="true">The following table shows the financial instruments carried at fair value in the consolidated balance sheets, broken down by level used to determine their fair value as of December 31, 2022, 2021 and 2020:</ix:nonNumeric></span></div><div><ix:continuation id="i4a4e5fceac5249e49a18a943dbf1ab52"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.969%"><tr><td style="width:1.0%"></td><td style="width:45.089%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.965%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.276%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.120%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.276%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.120%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.120%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.348%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair Value of Financial Instruments by Levels (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieecb4c8378cb4959b865d6a7a3f82a49_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtMS0xLTEtMTI0MDYwMQ_6368a7df-f2bd-4275-9a2a-589c3f7383cb">22,710</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i582bc0d308c34d3981970df0e6a1f123_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtMi0xLTEtMTI0MDYwMQ_e681c43f-5142-4cd7-8a11-41f330714da6">85,636</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib43bdc0f6b26447bb470c45adda709e9_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtMy0xLTEtMTI0MDYwMQ_f8339420-df71-412a-89c3-73e920c634e4">2,325</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife0a498869c948be8f61f9dd17400780_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtNC0xLTEtMTI0MDYwMQ_a7ffcb12-e4b6-4c9c-a44e-0c99a9fc619f">32,371</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1d3c0e3b6aa94138aa0b17a03d6022d2_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtNS0xLTEtMTI0MDYwMQ_7aa756bc-2eb0-4791-b4ed-745701b68105">87,736</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia115b3af03804d168035bec2cdd4c71c_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtNi0xLTEtMTI0MDYwMQ_69629bc5-c9a1-4672-905f-54bf3cf73080">3,386</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i712e8a87bb3a4e5f910010d62cf10943_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtNy0xLTEtMTI0MDYwMQ_f24e6cd5-1abe-4c28-b4a3-dfe7b7750ae8">32,555</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4aa841d216ba4483adb3154a4c6a38f8_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtOC0xLTEtMTI0MDYwMQ_fbe8e804-2d7d-48e4-b80d-3f9aefd59a5a">71,938</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6fd9c7e52b434f25b5a8b754775b6124_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzQtOS0xLTEtMTI0MDYwMQ_22e84014-dbfc-4c1b-8354-0470db672716">1,386</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity instruments </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if55f8f363b1d40b0a89428f8b3600d03_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtMS0xLTEtMTI0MDYwMQ_9500b511-07ae-4112-ae90-4ada137895f8">4,369</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccfc692b8779456f89184c98b9711aae_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtMi0xLTEtMTI0MDYwMQ_ec787d3f-a67f-4369-bc96-1bde13b58244">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4c2eaeaf19240f4877fc157bf7b222d_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtMy0xLTEtMTI0MDYwMQ_18a0cadf-27fe-4db4-8a2c-62c3a7909460">34</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i69df6f6793654fa88d7afb1eb0afae34_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtNC0xLTEtMTI0MDYwMQ_846040e5-0ac0-401b-ba88-67f795182e27">15,925</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdc4dee8bd9546cb8b42b15203e9c8b9_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtNS0xLTEtMTI0MDYwMQ_96a1289c-5249-40c7-93a9-814edc7b6931">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93296c1f3d1948ee9fcc2f10ebe3054a_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtNi0xLTEtMTI0MDYwMQ_945cbab7-0dc5-44cc-855b-cc616872f28d">37</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d29ed0c7c554e31bb884989cc0a0e55_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtNy0xLTEtMTI0MDYwMQ_f644a4ba-0a0f-426d-877a-4fb5cf97d3a5">11,367</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a04935304934b7ea6d82a7fa52dae16_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtOC0xLTEtMTI0MDYwMQ_0d524c90-c20d-4a12-8017-98ac1d3c1c2b">31</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d07ba95f2a649688fb95b66e505417d_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzUtOS0xLTEtMTI0MDYwMQ_750f6234-edf9-4d64-943a-3cc2815c8f47">60</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8fd2b064f1d3440a8a3b1105f0f6f4d4_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtMS0xLTEtMTI0MDYwMQ_d2872135-7b33-4cd2-8abf-5efcc236a1cf">16,284</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6e574e300574f199266d14cd1379d2a_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtMi0xLTEtMTI0MDYwMQ_d4d2826d-0de4-45cc-85b3-fbd52c88c153">7,934</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9272d4c460742a09093ebec4c26f07b_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtMy0xLTEtMTI0MDYwMQ_cf187fee-4206-4307-b43a-3a7f783ebf3e">148</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i929d0b4a60a54ba88a142d447a27cf51_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtNC0xLTEtMTI0MDYwMQ_1b74dc6e-4e17-4936-a59b-27c35e7f8b78">11,877</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i385b10f303ca4dfbb586b0055334731a_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtNS0xLTEtMTI0MDYwMQ_2fd3eb06-ea3c-41bd-9c0f-299fe54cedcb">13,725</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c8273bdfd42419691128304628e0273_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtNi0xLTEtMTI0MDYwMQ_94ae056e-372e-41b6-9b9b-d71a60079ff5">189</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i133d1d30248c428f92980ab0db00797c_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtNy0xLTEtMTI0MDYwMQ_f6a3b926-59aa-4338-abce-a556765ec619">12,790</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b2810a7b5e745d49cb009600c3873e2_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtOC0xLTEtMTI0MDYwMQ_d04cdd2d-aec5-4820-a08e-c7edf2388158">11,123</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6520210b81c048c29861525265635ae8_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzYtOS0xLTEtMTI0MDYwMQ_aaa19230-72ce-49b5-bfce-ce808b963779">57</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c08a461d2154e739cdecd85c2c1a6ba_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctMS0xLTEtMTI0MDYwMQ_7ccb9f4b-7be0-47f7-a6ac-2b00ef90505e">1,262</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib644cb39610b4e999e0e0d4b33084cef_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctMi0xLTEtMTI0MDYwMQ_03f97085-7a96-4b1a-91cf-0d1a1a27df0c">39,562</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52120b22709c44f7bc14ebac8c281f11_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctMy0xLTEtMTI0MDYwMQ_aa6fa08f-4ebf-4940-a624-1aaaa17478e0">1,169</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42b3dbbbffce43b19fa8771b72a8e8ad_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctNC0xLTEtMTI0MDYwMQ_a34912d1-efb6-4e3b-96a9-dedd234e29aa">615</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e5e48ef6e7944e085273cfa0cb37245_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctNS0xLTEtMTI0MDYwMQ_d1134753-a126-4a50-9a72-bcbed493819e">47,279</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie061702494894e1c826e1e41fab983d1_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctNi0xLTEtMTI0MDYwMQ_40417934-387b-4d48-9303-102571426616">2,913</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i751a2cfdd27741c58cbc9b96972c3076_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctNy0xLTEtMTI0MDYwMQ_ce5016eb-3228-474c-b63c-e798a6b6e8eb">2,379</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff45edff31194a60b408bbb1e56390f7_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctOC0xLTEtMTI0MDYwMQ_07ae0825-f878-4565-8087-bdc7390d7603">26,741</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddf73e9e5e274eac912e1ac3be93f76f_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzctOS0xLTEtMTI0MDYwMQ_5aea745e-95d9-4ab2-8ca0-c84c45774519">1,148</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ided08b15ccb844c793807fd231eb4be7_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtMS0xLTEtMTI0MDYwMQ_aedfa1a6-b6bf-4e35-ad94-911a84052f3c">795</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5529667e81042ca9eec7132d31d83b9_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtMi0xLTEtMTI0MDYwMQ_05f1a619-52f0-4f39-b595-45fcf8fd09c6">38,140</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26e45814ee254bf68d876afb9c3deab3_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtMy0xLTEtMTI0MDYwMQ_e57a24bc-ed6e-498a-a39b-dc467b7cadf8">974</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51d572894ddd41e7969ce9a01b8f7dca_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtNC0xLTEtMTI0MDYwMQ_3ae19f69-4368-4b37-81dd-89cd7d104a10">3,954</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3c76266e6b9430ead5006a1eb7293fb_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtNS0xLTEtMTI0MDYwMQ_ca015e01-e674-48ef-bfc8-c75aa188b37f">26,732</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if975e5b405c64f379edb519131eeda85_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtNi0xLTEtMTI0MDYwMQ_bbaf311e-42b9-4c07-ae7e-f971af04f3e0">247</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i50a9f3f4e1904db2b062bb656931567e_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtNy0xLTEtMTI0MDYwMQ_65f1b342-a683-4149-9cd9-fd71d45e6fa8">6,019</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c3978bc7e284aa48eeae6fee2d4e379_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtOC0xLTEtMTI0MDYwMQ_d31b7d9d-cc50-43c3-928e-9394a9eefc5c">34,043</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1e3d63809c3c447081ad1885a9481d02_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzgtOS0xLTEtMTI0MDYwMQ_6f94a86b-1741-4b5d-9d4b-ab9c2b69e702">121</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea1a6497a19b4e989c592e6b8da10a7f_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktMS0xLTEtMTI0MDYwMQ_e92fdace-c467-4bbf-8e51-847c969e41db">5,720</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10c62b5b934d414eaa4013d6a48eced5_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktMi0xLTEtMTI0MDYwMQ_195043c8-dc56-4304-a5c4-dc7304edfedd">151</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa0b594c49bf44daa3d6530a393eea3e_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktMy0xLTEtMTI0MDYwMQ_be9bf682-c493-4e93-ae91-36e717f3c722">1,017</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia279e06ce26c42c2b288a4d3fe5e4cae_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktNC0xLTEtMTI0MDYwMQ_4c3c0d74-7dc0-40eb-ae93-32c5d45eb93e">4,378</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56dcdee9b78d41b7b7604554c775b8a6_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktNS0xLTEtMTI0MDYwMQ_47ed5d44-53a8-489c-bc25-1fe78200c563">522</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib97695117f4345b2885c5802f9b470a3_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktNi0xLTEtMTI0MDYwMQ_8e934cee-c708-4141-ac27-2584c2d89c86">1,186</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia1eb1cc377634ddcb4dd9a9fe92d4522_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktNy0xLTEtMTI0MDYwMQ_9a408b75-7294-4b68-b5ec-09039d1dcd55">3,826</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie1f3e999c8dd4bfba9e44c1afb0c156c_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktOC0xLTEtMTI0MDYwMQ_dfab349a-d9c4-4ca8-b359-2fec13a9402f">381</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6889903512b341eb8b5538ff04ddb7b8_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzktOS0xLTEtMTI0MDYwMQ_cb1a5882-be0d-480b-9006-5f547c267471">992</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72198b755bdc4c3b99db4b736bbd9dac_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTEtMS0xLTEyNDA2MDE_807193c1-0b95-4017-874e-c0fb0a5ffa70">5,457</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a51091d199f4c1b9ecd7cc85f0aa7ba_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTItMS0xLTEyNDA2MDE_afb13f6e-dee1-4959-aeb7-7689f1867d4b">40</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4fcb0b64e8b47efb9bf25c54b76d7e3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTMtMS0xLTEyNDA2MDE_31f9178e-fcf5-40f7-8d4e-3980badf41c1">1,014</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic174ae2596314fdfbf3cabb63644b0ff_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTQtMS0xLTEyNDA2MDE_2f5c52d6-cd55-46b9-891d-1ad240e347cc">4,158</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2845ea5860034942ae2a257121b7b713_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTUtMS0xLTEyNDA2MDE_df0938bd-466e-4fc6-b8c0-0c5e274371fe">394</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e33f6700d894769a581ec2fc806bfd4_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTYtMS0xLTEyNDA2MDE_6ab48e8a-edb3-4c52-9a1f-147f8c85962c">751</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia15e59d4ab6349d39725e93ff8db1c74_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzEwLTctMS0xLTEyNDA2MDE_e3d99a99-e042-4f45-9093-63937a6dd2b5">3,612</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1360a7168a064a7b8e273add3558096f_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzExLTUtMS0xLTEyNDA2MDE_5ccb3f63-09e4-42a4-9125-1c278e9dbe29">128</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic645ec64bfa442eeabd2114cb01e4249_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzExLTgtMS0xLTEyNDA2MDE_0f913240-8443-4a6b-aaa1-8d38696db31b">324</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f51b8018b774b33925dd30699fce9df_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE2LTctMS0xLTEyNDA2MDE_3aa80a6a-a162-485e-92aa-791325f91d0a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb94d7df316c4e6aae85c6db4250b079_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE2LTgtMS0xLTEyNDA2MDE_cba80b6a-967f-410c-a880-7ea5d5909c1f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41d433b428084df49b6baf7b5d1f6ba7_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE2LTktMS0xLTEyNDA2MDE_d44de439-7cfa-4e0d-bd28-0c0c2fc27d4b">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ida509a9b666e4f4cbb16da2987fd2c66_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTEtMS0xLTEyNDA2MDE_fd386040-1784-49f7-ab08-4bff94259364">48,235</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c21db63f7e1493fa0d6f9daf5efdd82_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTItMS0xLTEyNDA2MDE_cf5f2c47-63fb-483c-8f49-cc7f9c0ba35d">10,237</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47ea5261830a4983a3846c36872bc769_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTMtMS0xLTEyNDA2MDE_1c297025-52f1-4d9c-8f73-a71c0b39ee95">508</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief53fc91cf4543eb83e3795f14730d57_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTQtMS0xLTEyNDA2MDE_6e5458da-947b-4465-a19a-23eb75451722">52,157</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i082e117309244638a66412d79b0c46da_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTUtMS0xLTEyNDA2MDE_22a96749-f001-48aa-817f-9b070768ee71">7,545</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d56b760dc814ad6be3ce610533a8cc8_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTYtMS0xLTEyNDA2MDE_93741e39-d9d8-411c-bda5-66f349b899dc">719</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e87617943a74e3aaa768b2b89135760_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTctMS0xLTEyNDA2MDE_14ada2b4-bbc1-47b3-9f54-9b43ca7b3ed0">60,976</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie19650ec63964f68ac48cd7844a62897_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTgtMS0xLTEyNDA2MDE_f633ef6c-184a-4b6f-be96-0f59e2927c6d">7,866</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3cfd9e5085a4d7dbdfcf4fa21f0084f_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE3LTktMS0xLTEyNDA2MDE_41f7bd44-7b4f-4120-b8d9-7fc10013ce02">598</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i247e11f9df8c42939c4eaeaa130fc438_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTEtMS0xLTEyNDA2MDE_502eff97-960b-4a30-8d09-3e4f493c78ae">1,040</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8bbdbab945443efb37c54b891ec056c_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTItMS0xLTEyNDA2MDE_34ac2720-abec-43c8-a9b5-7f778775d4ca">58</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i96c301f207684bb0961cce6e38cd93bd_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTMtMS0xLTEyNDA2MDE_9cd26b0c-7919-4277-a4c3-a11b8dd1a493">100</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic13cb33ad9d84645ba3b516b6a05f938_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTQtMS0xLTEyNDA2MDE_482148a2-411d-4811-abdb-2373e38a64c3">1,178</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib353b37ae7784b408a0eca03b45d694b_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTUtMS0xLTEyNDA2MDE_5110bbbf-6d16-4f88-a589-d402f29e0448">36</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9d72de8972e410b960b07e988190d5e_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTYtMS0xLTEyNDA2MDE_1add8f0e-4354-4b98-bed0-7d09e663e895">106</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i816f45375db942fd9594abcb29e67ab9_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTctMS0xLTEyNDA2MDE_738ed09c-b5cb-4951-80c4-58338f6116a9">961</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22d55cbc4527492082065c5bc087707e_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTgtMS0xLTEyNDA2MDE_69908e09-21ed-49f7-b78c-bbf07eae3baa">34</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17ebbc769fd04d619638db150e0272b9_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE4LTktMS0xLTEyNDA2MDE_6fc15248-3d51-497b-9f14-795d11f9a3a2">105</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5beae3ed3b84109bc3c89fec6bb9c0b_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTEtMS0xLTEyNDA2MDE_96ff7dba-73ee-4652-9d16-11d596715f61">47,169</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1ef366dbd5a4fe7b520ca65accb22df_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTItMS0xLTEyNDA2MDE_e84c93ed-881b-49e8-a7fe-154344ba989a">10,179</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0ad2a8b15ec4deda1bd115c9b934b10_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTMtMS0xLTEyNDA2MDE_3b896932-4b30-4952-beda-dbda70e0487c">408</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06ff2c9f389e4dacb878f12570f73aa8_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTQtMS0xLTEyNDA2MDE_6b43ee1a-db36-4cf3-ae46-6d0c8dd86fd8">50,952</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93c2112294f345bc92d1d06622edeacf_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTUtMS0xLTEyNDA2MDE_9b53046d-fc38-4f7e-ab84-1a443465c5c9">7,509</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63f114aa053542da9ca38f9b1bdcaa5e_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTYtMS0xLTEyNDA2MDE_37b9754e-dbdf-49b8-ac68-88ae5529e79b">613</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00387536f6e7453c9e6ade7142be8ec4_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTctMS0xLTEyNDA2MDE_6bc945c0-ef55-4701-bc2b-cb6657a5cd66">59,982</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e30b8bba8fd4e93ab638fa27649e655_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTgtMS0xLTEyNDA2MDE_95bd7507-b3ef-4307-8656-1138a2c2384e">7,832</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae811e257c53483395c7dcd09172c9f4_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzE5LTktMS0xLTEyNDA2MDE_0fd3f2a0-4199-4c00-8b8f-7c90402a58fc">493</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94f838b2adbc4bcc8d7afa1e6e2d0a73_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIxLTQtMS0xLTEyNDA2MDE_90eb87fd-0408-4a37-85b3-be95a61ccd9a">63</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa1d449fb7544082a34fd4accd639c6e_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" 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colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities held for trading </span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i57a779a74fb449538cb117a7eed5817b_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTEtMS0xLTEyNDA2MDE_fd2f5fdb-4453-4912-8eed-3d9c49bf260c">20,611</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8185a16ac0bd426e8e0c9330773bac8c_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTItMS0xLTEyNDA2MDE_c5d978a6-e035-4763-b4d9-3d04f05967e8">73,871</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic20b9f2cd4f841e089c19710bd5cc38d_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTMtMS0xLTEyNDA2MDE_707491f0-ddf4-4a73-ade6-70cc3def7d1e">1,129</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica72cc6e300d4bdcbbf815ba56e5736e_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTQtMS0xLTEyNDA2MDE_11b7847d-c568-4235-8be2-d0a586990d43">26,215</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id421b9a7bf4c4a56bd59f0845d60b665_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTUtMS0xLTEyNDA2MDE_553ba5a3-6296-42d1-b94c-2f7d08c6f40e">64,305</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic27d124c5c24461f9f17b3a4d322e536_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTYtMS0xLTEyNDA2MDE_f991dbf8-0d30-42d9-a0b4-8e2260330d11">615</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43495df7f81243889e4a53b6c3e8d7fb_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTctMS0xLTEyNDA2MDE_5894f23b-a5b0-438f-840d-fd441198fc81">27,587</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98620731e060430f9627d40b10eb946b_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTgtMS0xLTEyNDA2MDE_bd3491d2-4027-4f58-a3d1-69285053eaed">56,127</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaec8d0a17e64d49840f2e83fcc34105_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzIzLTktMS0xLTEyNDA2MDE_c3a475b3-e514-4927-85e8-855d503c9797">395</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice6ecec9288b4c4f95aa5e77608a36ef_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTEtMS0xLTEyNDA2MDE_75252224-3a11-4d32-ab25-374765c492e4">746</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if25ac4a116ea40ff938ef5ed71a03b3d_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTItMS0xLTEyNDA2MDE_63da3c8a-0a73-40f1-87ca-05bc030893b0">36,161</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a52c044e5e949358fde7ffbfe298268_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTMtMS0xLTEyNDA2MDE_5b1aba40-c9e2-4b30-a343-cf547bfe24be">1,002</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44b32cf238d54331b583cd47bf104946_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTQtMS0xLTEyNDA2MDE_03b36027-3302-4df1-bd2b-c3ea7976291c">4,755</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff4e23c3b2cd4a6ebaabb4b1a408fd53_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTUtMS0xLTEyNDA2MDE_0d46037f-ed14-4919-b66e-9d89c2181e50">26,560</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c569992f59848c0a4fe54159279ba7b_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTYtMS0xLTEyNDA2MDE_9b1cd570-7c31-45a6-8053-6e7faa05fd4a">389</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63076c9989184e9b80a7ef9979bd8a04_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTctMS0xLTEyNDA2MDE_e996cded-7c42-4ad3-8f99-73decbc4d7ff">7,402</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9801085a121d43bfa686025c334e31d9_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTgtMS0xLTEyNDA2MDE_4cc7e3a4-a5e6-43b3-b8bf-a34b8d3a3b81">34,046</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i57a1f6e6187c4e1d9c21e4eebc3665c2_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI0LTktMS0xLTEyNDA2MDE_730fa5db-5ab4-4cac-a708-c18e3ede6409">232</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0c2e88d3aa249ddaa003c2675666e59_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTEtMS0xLTEyNDA2MDE_7efcf1b2-b8b1-4e64-a7af-34862dba20d3">13,354</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0322e0955f1243e79beb610d03bc8345_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTItMS0xLTEyNDA2MDE_813f5543-7191-44b9-8ce1-9c6398f1302f">133</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc81539e6c6a4c8d9782442c230a14ba_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTMtMS0xLTEyNDA2MDE_3e616cb6-48f3-4945-8dff-87a7b2659826">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02f0dad61d1c4889879db1773b17e5e2_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTQtMS0xLTEyNDA2MDE_25d1a9e2-47b8-4e11-a1af-899efb19db78">15,124</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d1f4e14b25b4755be58e2808da3754d_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTUtMS0xLTEyNDA2MDE_feccd10f-6faf-4a28-a885-cef0f50ba59e">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica89bb3ea3a44bb4aa1bf5e141f8c27b_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTYtMS0xLTEyNDA2MDE_0d170d51-e682-4ae9-8ace-61e8b90229b2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i36e65150891d4663bfcd247c34d9761a_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTctMS0xLTEyNDA2MDE_2ef7e474-8801-47b5-8323-28a4439ef8dd">11,805</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f205dda8d0b4b9e8a5d7ca642d36645_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTgtMS0xLTEyNDA2MDE_a844c39d-28b3-48de-b20f-b86fea063349">504</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66edd05e82574d958ec7c91b53fb8a64_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI1LTktMS0xLTEyNDA2MDE_1cfd3f1e-9e87-4905-8bac-5d995aab4a22">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i087c74a3b9404e4db84c9c226911a360_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTEtMS0xLTEyNDA2MDE_bbbf83b3-43e0-4a23-b021-0d70e3c2c452">6,511</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i811e8564c38d4f97b731581b94e8b9ff_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTMtMS0xLTEyNDA2MDE_903d0abc-72b3-483a-b1c0-65b35361e1e2">127</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i562759b502764939871836da2af8d1c9_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTQtMS0xLTEyNDA2MDE_45581710-3640-4262-a15e-6f12956d30c1">6,335</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c6d7308c3f44e669316d573f8154d51_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTUtMS0xLTEyNDA2MDE_85d726b0-793f-4829-ab1b-58e767ff40e0">37,733</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfe44a9dd28d4b4b8126dde9261bc147_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTYtMS0xLTEyNDA2MDE_f49ac4bf-9ebb-4e8f-801f-2cc89b4eb6e1">226</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i69020b17d56d41d78dffcdd5258006d1_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTctMS0xLTEyNDA2MDE_525fcfb9-af23-4c14-8117-6f7e3d1d0076">8,381</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09f478ad49d34d469ed478dbb078fe07_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTgtMS0xLTEyNDA2MDE_25c160a3-7e8e-40ed-9bc9-6596aec7188c">21,577</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i560c68b029de4625ac50c5400d30088a_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI2LTktMS0xLTEyNDA2MDE_4b68aaa8-7921-4624-b4df-058611c3c8a4">159</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4aa7b537e8664b1898a828e730982f91_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTEtMS0xLTEyNDA2MDE_bd9aa256-9ba0-4248-9912-a4225aa1659b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09932ba4e0944811a46e2d86e2187930_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTItMS0xLTEyNDA2MDE_6520c41f-9474-407c-a6d3-b6236158d5b6">8,990</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffbb0ebac87f4e4a8268ded926fe5c39_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTMtMS0xLTEyNDA2MDE_daeee68d-2dab-4cd5-96fe-3313f19d698e">1,590</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6a2a61250f454d959b7c5fc3a06e3f5e_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTQtMS0xLTEyNDA2MDE_982cfbaf-6e14-417c-ada4-aaa0d3460cb5">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i818e749e44a74cf1a4c01194e2e007ae_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTUtMS0xLTEyNDA2MDE_1300e827-9e45-4427-a40c-949e540dac74">8,243</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c49680674245f4917ee59314463320_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTYtMS0xLTEyNDA2MDE_734d0c63-2be0-4f20-b635-71444842e0b3">1,439</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i378ce17b4d04422094bd709bde86794f_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTctMS0xLTEyNDA2MDE_798a9420-7e75-486a-a0d8-fe6c9e463be0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15bfbf642e0e4ef79b52732e414703fa_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTgtMS0xLTEyNDA2MDE_98ec8690-8ab3-4dc0-bdd9-70b8622dc18e">8,558</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife04a6323edf4d3095f9ce9affd653d3_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI4LTktMS0xLTEyNDA2MDE_bf8086c3-b3d0-4f66-8feb-7e0d35c513cc">1,492</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia43c6f0da687402e844776fb6ca69bc9_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTEtMS0xLTEyNDA2MDE_4c67e2b3-cee2-4b04-b57a-09da696ca7f8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fcd210f66b049e28ca94ef11f16a84c_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTItMS0xLTEyNDA2MDE_800558ce-9801-4f2a-b364-bb0210eb1e48">700</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie3265d89232e4f60a8f0644a8c32a30c_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTMtMS0xLTEyNDA2MDE_e32b8b7b-8bb6-4890-b43c-cb884cb39821">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94f3297f6ca74c75b04ab5a83bca0c95_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTQtMS0xLTEyNDA2MDE_77ac9bd8-a32a-4d59-8a0f-23852e50d47d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if52fba27788c44a48f47839a16f55846_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTUtMS0xLTEyNDA2MDE_c061eb00-42d0-4ee6-b392-27673cb14388">809</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iebda07f43df845a4b65c965faa0e6635_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTYtMS0xLTEyNDA2MDE_b2d98771-5872-42a0-ad72-fa42d0ff6974">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i392945cf7d4a436290698f8cf6aca616_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTctMS0xLTEyNDA2MDE_b65fb0f7-8f49-4367-8ec5-d5872b6faa7b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i50d2c0a9d64c42279cc30f8839665302_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTgtMS0xLTEyNDA2MDE_df8c3b3a-964b-4017-95fa-c7f6e0e9ed5a">902</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iead0ba605cdb44adbb0c99c838a8ddfb_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzI5LTktMS0xLTEyNDA2MDE_47259853-59d9-4a9b-bc5f-d73bce5d3197">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Debt certificates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72772618654f4f4a93f89ee70025f595_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTEtMS0xLTEyNDA2MDE_1103abac-ca67-408a-bc42-7f6f02d2ed97">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief189e2b2e634fbc932740a30a23c0a6_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTItMS0xLTEyNDA2MDE_8dc92364-f6ce-4e8d-ba06-332075942ce8">1,698</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb5110e9b5ed4392af1aee8205f9b9b7_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTMtMS0xLTEyNDA2MDE_28434f16-de66-4bc9-86fb-efb7d067853d">1,590</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72f870e220004d31b77f6b92adbb0271_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTQtMS0xLTEyNDA2MDE_cd1fbd2e-0484-492f-af15-e546ae29dc42">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c28b8e3d00348b9a9c30a878e54da9c_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTUtMS0xLTEyNDA2MDE_3e7d8a15-6550-45c7-96d9-9914a0c68c92">1,956</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ac7c74d38b3479e89036626bfa76b3c_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTYtMS0xLTEyNDA2MDE_2dab3ef8-1171-43bd-8e28-baf16146a888">1,439</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3cedfc37129b47a393c7b92334ed8b79_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTctMS0xLTEyNDA2MDE_14da24b2-71a2-4ac1-ad07-2bee6d8a6495">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7883b5c146c64edf8efc375d724a67ab_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTgtMS0xLTEyNDA2MDE_4e5932e0-fd52-4320-a2b3-cc119827a59e">3,038</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94d15dcb5dfb4ec28faa9970af66020a_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMwLTktMS0xLTEyNDA2MDE_8662869e-152e-478c-8610-cb4312c1f72b">1,492</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i451bd39f924d4de29f0cdcac01acb22b_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTEtMS0xLTEyNDA2MDE_9b9f9e8d-7d3b-40b2-a9c0-0fb20e0f8dea">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4351fa5d360240229d310acc83b1682f_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTItMS0xLTEyNDA2MDE_5d19af47-431c-4f42-b757-183feec099bc">6,592</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ef415d9649e4bfdaab43451c7e37009_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTMtMS0xLTEyNDA2MDE_5082a590-9a16-4174-ba8c-7268542a75e2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia572f303640a414da8f58f3f4e435a9a_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTQtMS0xLTEyNDA2MDE_520b907b-38dc-42be-a568-b95f8fe30215">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6137c5356c3a4f0791db2ff91fc53d25_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTUtMS0xLTEyNDA2MDE_a1923a77-a59f-4391-b84d-f080ce1a9980">5,479</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56e5904b00214fdb81e3a7e18eb3146f_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTYtMS0xLTEyNDA2MDE_b9e19baa-9f95-4695-9360-dfe80656a148">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99a7f13c9d124e23a68e74c5bfc97001_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTctMS0xLTEyNDA2MDE_93015711-349e-488b-8ea6-866637490b2b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c2c54f75c6944eabfb7e139f70d056c_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTgtMS0xLTEyNDA2MDE_db0bf5bf-e99b-4707-a284-a7e9bea2426a">4,617</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ec603b7bd324727bce17f9a139999da_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMxLTktMS0xLTEyNDA2MDE_15e9c828-618f-44da-abd0-0a7b52df7e68">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75967f08125a4c78a21a8d40f8dccc9b_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTEtMS0xLTEyNDA2MDE_3770625f-a1a1-44a5-839f-432e399ce3ac">100</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48335d84460d42b9b8df8d8e9ee41755_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTItMS0xLTEyNDA2MDE_ef752119-316b-45aa-93e3-1ab7313337a9">3,179</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i487dde7d38824a0b864c9d02ca808a0c_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTMtMS0xLTEyNDA2MDE_abc94169-c66b-47ad-a48a-7b6b0671075a">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3198cae42a4041fc9c5187cddae64ae7_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTQtMS0xLTEyNDA2MDE_704fcde7-7056-468c-9d5a-29997c6ee05c">53</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa1d449fb7544082a34fd4accd639c6e_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTUtMS0xLTEyNDA2MDE_134de361-d36d-4fb8-b5c5-d2f966b2ee3e">2,573</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabfb9c8bda064d59a080dc2d21ee4228_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTYtMS0xLTEyNDA2MDE_60ffabe5-80f5-44a6-883f-bc2e7658f147">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7cc69aa942684fa1b3dcf378bcd60b9f_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTctMS0xLTEyNDA2MDE_7637bd5e-492c-4699-8179-fd8fe564e127">53</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91988be4353f4da69de3610e92011522_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTgtMS0xLTEyNDA2MDE_89673e4a-291a-48be-b76a-48ba15065cf4">2,250</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33698229ceee4f5ba81e7ea00def057f_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5ZjMxNzhjNGEyMDE0YTY5OWJmODg1MGJmZmFiNzRkYS90YWJsZXJhbmdlOjlmMzE3OGM0YTIwMTRhNjk5YmY4ODUwYmZmYWI3NGRhXzMyLTktMS0xLTEyNDA2MDE_a2e7a052-1239-4c99-af30-1e2e5e2962ab">15</ix:nonFraction></span></td></tr></table></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments recorded at fair value classified under Levels 2 and 3, based on the type of financial asset and liability and the corresponding balances as of December 31, 2022, 2021 and 2020.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-99</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt"><ix:continuation id="i7f5fcaef48b841ce8082a559cc3f57dc" continuedAt="i4781452695da4061b7e25f2219d96134"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90ZXh0cmVnaW9uOmExZDdjNzQ4N2VmNzRhZTVhNjZjZWI4NzA5YjI4NzRjXzU3NzI0MzYwNDYxODYz_7160c6c1-c948-4967-8956-1af791369f67" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:17.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.619%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.006%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.930%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Fair value of Financial Instruments by levels. (Millions of Euros)</span></td></tr><tr style="height:8pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Valuation techniques</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Observable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Unobservable inputs</span></td></tr><tr style="height:8pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a01828c7d31419e9a7792285e738495_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzQtMS0xLTEtMTI0MDYwMQ_645e8d59-262b-483e-90f2-5346bddd4d6e">85,636</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i971f47bb7dfc4e39a236f14c1e5226fa_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzQtMi0xLTEtMTI0MDYwMQ_4f39ced5-0c53-460b-9ca6-56662fb5fbb2">2,325</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28ba27ec39c649ee9acb8eff2d24d75c_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzQtMy0xLTEtMTI0MDYwMQ_a4424992-4b38-4ced-9447-f5c8bdd04308">87,736</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e256cb1e1434ce4ad377f237a054c60_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzQtNC0xLTEtMTI0MDYwMQ_85285780-efa0-4adb-a2b6-acbd2bceabeb">3,386</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i62b1f150232047879a3bf98025b54092_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzQtNS0xLTEtMTI0MDYwMQ_805b30e4-f886-4097-9c66-b776a5d6736b">71,938</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a169f2f128243819bd3de592b171312_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzQtNi0xLTEtMTI0MDYwMQ_7387d24b-845e-4bab-aff5-7a804de4f4e9">1,386</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Equity instruments </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i04b029cc0de14554947b481be097e14d_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtMS0xLTEtMTI0MDYwMQ_dcf975d0-2e78-4766-9954-48b93c71e4d5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32524ffee60b416ba4ababe8076ad005_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtMi0xLTEtMTI0MDYwMQ_37283cc1-1279-4261-b5be-49993edc1e47">34</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i353cb9b483d04d05872703493a893409_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtMy0xLTEtMTI0MDYwMQ_5361b9af-116b-4aca-9423-a86b170670b6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd5765cafa6a49a4b9f79438b5a8c68b_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtNC0xLTEtMTI0MDYwMQ_226578d3-4148-4210-8704-294d7acd5e56">37</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i428d2c23a090403fa2191c5fec8316cf_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtNS0xLTEtMTI0MDYwMQ_b6dc06f3-9011-4ca0-aeba-638fafe7bc6b">31</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52c3f1a180a24fb3ac9aa3381422e408_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtNi0xLTEtMTI0MDYwMQ_9e96559f-48de-46c5-a0cf-ae7eaf540d4d">60</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib101ba4028754c048d6a8639be8c68fd_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtNy0xLTEtMTI0MDYwMQ_84b206c2-0375-4899-a077-0b6405dd143e">Comparable pricing (Observable price in a similar market)<br/>Net asset value</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib101ba4028754c048d6a8639be8c68fd_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtOC0xLTEtMTI0MDYwMQ_0d0f25b7-c748-411b-ba6d-16a7c6088da8">- Brokers quotes<br/>- Market operations<br/>- NAVs published</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib101ba4028754c048d6a8639be8c68fd_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzUtOS0xLTEtMTI0MDYwMQ_683f7859-4159-48d4-857a-1fee5ae3cb7e">-NAV provided by the administrator of the fund</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib736b752c4df49869c68f57b996518b3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtMS0xLTEtMTI0MDYwMQ_34421263-6096-457a-9636-bd34e7e0b70f">7,934</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieeba4b801e4c4814ace31fb344f7902b_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtMi0xLTEtMTI0MDYwMQ_f991aa5f-5e30-4919-92ad-585ab0e018e3">148</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4cd36f31bc54563865e50d2904d82a7_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtMy0xLTEtMTI0MDYwMQ_df6e1e88-201c-4469-86a3-0d486e9f6714">13,725</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03390f6bae1140e59847a54395e5f7a4_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtNC0xLTEtMTI0MDYwMQ_067db3f2-5307-492a-8dc9-4f1c97c2d452">189</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c326b7baa1746b682566ad701fd7d28_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtNS0xLTEtMTI0MDYwMQ_45f4adba-f68c-4040-a950-dc765081512d">11,123</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64f2884c180440dab4788004e7efd473_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtNi0xLTEtMTI0MDYwMQ_69ccee89-6b79-4080-8b72-ffe17c1bd7d8">57</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i473e3f5ced4e4c9293efbd463bad8534_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtNy0xLTEtMTI0MDYwMQ_86dbf351-fa08-41a8-b451-529d2d0e533d">Present-value method<br/>(Discounted future cash flows)<br/>Observed prices in non-active markets</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i473e3f5ced4e4c9293efbd463bad8534_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtOC0xLTEtMTI0MDYwMQ_ef5eb553-bf87-4f3a-9ca0-6f87d01242d9">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Non active markets prices</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i473e3f5ced4e4c9293efbd463bad8534_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzYtOS0xLTEtMTI0MDYwMQ_82e6c3b6-6afa-4f9c-8a61-2b6b65639872">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Recovery rates</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i16d03edb694f438f96597971b747a3b2_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctMS0xLTEtMTI0MDYwMQ_9093afcd-6437-4ab9-9244-995da55e410b">39,562</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ee11c9b5a6d42ca9bac7ace6a08a0c7_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctMi0xLTEtMTI0MDYwMQ_4f0abff4-1440-4017-8a7a-43bbc9cf8547">1,169</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6c363665a0449d99108f781d0b1924e_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctMy0xLTEtMTI0MDYwMQ_63f02323-dc4b-465e-b380-681975325d01">47,279</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i730d8ca4fd8d48759bd917315ad65f56_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctNC0xLTEtMTI0MDYwMQ_fa7bdc78-d091-4b72-bc16-235a413c82e8">2,913</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i479c1745c52c4c359ee72e7e09f3add6_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctNS0xLTEtMTI0MDYwMQ_e2be6cf9-a363-4ea6-a0c7-d1d7724bf1cc">26,741</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i851a767108fd4fdaad8d4a5257b2bcb0_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctNi0xLTEtMTI0MDYwMQ_92a758e0-cfa2-4d70-8d73-3383e5102454">1,148</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i1601468892ff425bb6d8bd27b1566f41_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctNy0xLTEtMTI0MDYwMQ_7078c574-99db-44a7-a271-f812f1ed5942">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i1601468892ff425bb6d8bd27b1566f41_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctOC0xLTEtMTI0MDYwMQ_d52675cb-6968-454b-bb65-15e4fbf5fb86">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Funding interest rates observed in the market or in consensus services<br/>- Exchange rates</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i1601468892ff425bb6d8bd27b1566f41_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzctOS0xLTEtMTI0MDYwMQ_a8a67fe5-4209-4bc5-aeb0-6e64e96c1a60">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Recovery rates<br/>- Funding interest rates not observed in the market or in consensus services</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d3c6ee39d7443c4a0ed55a7502154ce_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzgtMS0xLTEtMTI0MDYwMQ_9e0f9c69-17cb-45e2-b018-3e0e9754fb5d">38,140</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5a702447b39427f8047b38eb546507d_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzgtMi0xLTEtMTI0MDYwMQ_14043756-1194-40fe-9d74-82f08e6d1a3e">974</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9bb275aace24cf4bb98ac9f2c4f29a9_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzgtMy0xLTEtMTI0MDYwMQ_a244b723-2937-44a3-b270-76c428ecb074">26,732</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2a227471180490c9af2b675ff8b696f_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzgtNC0xLTEtMTI0MDYwMQ_ce27a5f6-4c87-48d4-9040-0e61362b08c9">247</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28ba2f7fb3fc48dbb25914256e5e32d2_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzgtNS0xLTEtMTI0MDYwMQ_f071a24c-48f9-4171-a6e3-607a5d568563">34,043</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9643a24d2c194ac7b0708ab28932f96a_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzgtNi0xLTEtMTI0MDYwMQ_6fdf3555-a842-411f-b1db-3eeeae2d079c">121</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:50pt"><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i51be4e4b75b94a66a724a786b444589f_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktMS0xLTEtMTI0MDYwMQ_ed8699aa-a31d-4e73-a4ea-a3e5dd697e75"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i6d08dcbb01b948488fe65914b92fd2ea_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktMi0xLTEtMTI0MDYwMQ_3b38b3b6-37f1-4c34-9efe-2e7bcf3f0d91"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ibb83e68723494855913e9bda215da033_I20211231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktMy0xLTEtMTI0MDYwMQ_b74b8b01-cd1c-4e50-bffe-1c48cc5bdc0f"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ia18d3b21767e4425be0e2817061e9abc_I20211231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktNC0xLTEtMTI0MDYwMQ_61f3db33-478e-464c-8771-0e75999c963f"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i98b9789aa8de495b959ed10b5062905e_I20201231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktNS0xLTEtMTI0MDYwMQ_94e977b9-3be9-4f9c-b8a8-321dd55637fb"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i26b32739b59e4e32b8fa6bb43c9cbf14_I20201231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktNi0xLTEtMTI0MDYwMQ_4b180217-e7c6-4907-a5fb-6642ae41f90f"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ibb579a2c71e6437e8d810f7bbff54b2f_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktNy0xLTEtMTI0MDYwMQ_a4d3236d-9c50-4db5-9e54-48f46ef5bd22">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76, Hull-White and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, Hull-White and LGM<br/>Other Interest rate Options: Black 76, Hull-White and LGM<br/>Constant Maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="5" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7740cef826b34e4e9f6746badfd3a180_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktOC0xLTEtMTI0MDYwMQ_af8965fb-9c39-47f1-975e-b273f3c1be1f">-  Exchange rates<br/>-  Market quoted future prices<br/>-  Market interest rates<br/>-  Underlying assets prices: shares, funds, commodities<br/>-  Market observable volatilities  <br/>-  Issuer credit spread levels<br/>-  Quoted dividends<br/>-  Market listed correlations</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ibb579a2c71e6437e8d810f7bbff54b2f_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzktOS0xLTEtMTI0MDYwMQ_0b72d622-1dc4-4af8-8217-02da37bf5d3f">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:23pt"><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ie2f0ad5f8f5347a5b725f92774510683_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" 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contextRef="i1ccf4841661d46f6b014e4a5ed133aba_I20201231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzEwLTYtMS0xLTEyNDA2MDE_5f1cff63-63c5-4d5a-8e70-823e8b4e5bb2"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i20c52d54625b4d24ac54527ad03a5f22_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzEwLTctMS0xLTEyNDA2MDE_31610ede-54ba-40d8-b452-a9bb84944da2">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local Volatility, Momentum adjustment and Heston</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i20c52d54625b4d24ac54527ad03a5f22_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzEwLTktMS0xLTEyNDA2MDE_e4102a1f-ee7d-4f7d-bb11-320a5f941e35">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</ix:nonNumeric></span></td></tr><tr style="height:23pt"><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ia532697c8478447eabc4eeefeb2c2d2f_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzEzLTctMS0xLTEyNDA2MDE_17a40567-58aa-4eee-b73b-3587a28402ec">Commodities: Momentum adjustment and discounted cash flows</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec3d81be87e04a3d843b1929abf6ed1f_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE0LTEtMS0xLTEyNDA2MDE_26a2a270-db6f-4373-bd51-83bfdccc6125">151</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i789b9815577242eaaddde87cf57183a4_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE0LTItMS0xLTEyNDA2MDE_eae13fd3-805c-49c8-abb6-5912bd8750ee">1,017</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i553193ccdba9426aa60dcdba0461edbe_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE0LTMtMS0xLTEyNDA2MDE_c67b9877-26c9-44cd-b728-50bcd3b1e95a">522</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2a1187bd1204876b7181b9929608618_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE0LTQtMS0xLTEyNDA2MDE_7ce530fc-02d8-47e5-8a2b-98986eb8604a">1,186</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ba77777f32f4fe0a2c5a86151ab5a62_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE0LTUtMS0xLTEyNDA2MDE_ab4a3d3d-ef3e-4078-8e73-c83dd48a7668">381</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8627f47cfbdc4ea9970b894555f0e447_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE0LTYtMS0xLTEyNDA2MDE_49f10f90-28fb-49d8-8634-5a8cf003e2f7">992</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #242424;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #242424;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i462293f3afdf4e02bc4b218f7d205668_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTEtMS0xLTEyNDA2MDE_1a05f935-4a81-4dc9-a5d1-933cf16b497f">40</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c50e95223754d38a8e1c826ed16fef8_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTItMS0xLTEyNDA2MDE_d873f26f-fc4b-40da-88fe-de1ccb36e7f2">1,014</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4b4db196b654d4fa383751411d94b15_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTMtMS0xLTEyNDA2MDE_4e6fc034-3fef-4b81-8415-a8c7fbc19f6b">394</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6108076e39d44f15a4bf10ab04f76bbb_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTQtMS0xLTEyNDA2MDE_ef7badb6-b9cd-4874-82a2-1dab61cdf90e">751</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6d309e3bf994d38a2e24029b2965bf3_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTUtMS0xLTEyNDA2MDE_8b94cacf-6d76-4116-bec9-10fb99e41c4f">57</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib63bb903d73346bbb1fbf5bd0a5ff529_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTYtMS0xLTEyNDA2MDE_c05310ee-18cb-4434-80f7-01bd75a859a0">465</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0bf766b240e043ac8ed5b73ce46ab02d_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTctMS0xLTEyNDA2MDE_03464a76-1187-49ec-88c8-08a41239a32b">Comparable pricing (Observable price in a similar market)<br/>Net asset value</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0bf766b240e043ac8ed5b73ce46ab02d_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTgtMS0xLTEyNDA2MDE_7b2298d4-f279-41c7-817b-287701685c49">- Brokers quotes<br/>- Market operations<br/>- NAVs published</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0bf766b240e043ac8ed5b73ce46ab02d_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE1LTktMS0xLTEyNDA2MDE_97b03b31-73f0-467d-806a-d3c596ea0a55">- NAV provided by the administrator of the fund</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide22e0af14944504a4cab3f563b3f1a0_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE2LTEtMS0xLTEyNDA2MDE_9edc7a99-e70f-4999-84f6-b519bfec5c23">111</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic02d4228deb84e06af8058b1da4ab6f5_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE2LTctMS0xLTEyNDA2MDE_94a63a3c-baa8-40e0-9491-f16a68a05d66">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i9f0224f1622b43cf8a6b838e715cca4d_D20220101-20221231" name="bbva:ObservableInputs" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE2LTktMS0xLTEyNDA2MDE_d4d30dbe-2888-457f-b7a4-84c8cb848459">- Prepayment rates<br/>- Issuer credit risk<br/>- Recovery rates</ix:nonNumeric><br/></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i238129c173fe4fb986984dbc7868b3fb_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTEtMS0xLTEyNDA2MDE_e6e890fd-d8cb-4086-9c89-abda5f6bfc72">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i605ffc0e62b5448fbcef33e22bec0d26_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTItMS0xLTEyNDA2MDE_7979c9bb-75bd-42c6-9d64-6943264813f0">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i382890b1b1ca40ca8129a171cb71e92b_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTMtMS0xLTEyNDA2MDE_d7b10dfe-7806-4a11-a913-a15a850d466d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddbeb728b7344e04a7e33a73a3ccf356_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTQtMS0xLTEyNDA2MDE_e2cf5d20-326d-480c-a8bf-42c6d7d64267">435</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2da312884827421a808d04e5088a55e3_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTYtMS0xLTEyNDA2MDE_943a088c-4286-48cc-b2d6-4a34d4de5510">499</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4384c148a6094463af5c4f36e151bd4c_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTctMS0xLTEyNDA2MDE_6c094b6d-47f3-4f47-b96c-2b8d0b995561">Specific liquidation criteria regarding losses of the EPA proceedings<br/>PD and LGD of the internal models, valuations and specific criteria of the EPA proceedings <br/>Discounted future cash flows</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4384c148a6094463af5c4f36e151bd4c_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE3LTktMS0xLTEyNDA2MDE_642028a7-e679-4eca-9679-100b96529bae">- Prepayment rates<br/>- Business plan of the underlying asset, WACC, macro scenario<br/>- Property valuation</ix:nonNumeric></span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE4LTYtMS0xLTEyNDA2MDE_8adc42ae-4961-4dcb-b943-1407fde97048">&#8212;</ix:nonFraction></span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i9d06f42a8659469e96d10a5d12c9e224_D20220101-20221231" name="bbva:ValuationTechniques" 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contextRef="i06d31fad06c241efa1b536f889d1d3ed_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE5LTEtMS0xLTEyNDA2MDE_388b6c79-7074-4747-8d27-8cf3def2eee1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c68bece03d44c4c89ab62fbfb352066_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE5LTMtMS0xLTEyNDA2MDE_79aa2630-97f2-48f1-957e-7ddda8baee40">176</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c1b1957761c4d67b8d1528b5fdf4760_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE5LTUtMS0xLTEyNDA2MDE_adb65446-8aef-4cce-b5eb-1926a1aa4d29">178</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i60b605d09d2f43bd9e1a782f1552aaf5_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzE5LTYtMS0xLTEyNDA2MDE_c054a994-cf19-453e-8914-45dba7ee5666">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie95fd4c4325c4174956462cea8e86e31_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIwLTEtMS0xLTEyNDA2MDE_89a5ec62-3eef-49f0-a351-86e95f801aa3">10,237</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72b904886b50443ca75dc7ac5a29ed3c_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIwLTItMS0xLTEyNDA2MDE_04155814-0e95-439f-816d-3b68a34a2cc3">508</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4bbff19b00640f7b896e1c8c544d394_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIwLTMtMS0xLTEyNDA2MDE_5b6c6c64-c511-4354-93cd-6ba3ee9cb816">7,545</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f894c108d3f4678bf8cebb42c87a003_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIwLTQtMS0xLTEyNDA2MDE_533993c1-4118-4b63-9210-cc9c83b95ef3">719</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7234bd61bb0546c9b42c079d696610ec_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIwLTUtMS0xLTEyNDA2MDE_bbc033a6-cf66-4b9f-86dc-c3110c46460d">7,866</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i806c90f89bff455a996669a88c32c194_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIwLTYtMS0xLTEyNDA2MDE_c3b3216e-facc-46ed-b0cb-27c6db40a126">598</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9cf7719808494ab290f76601db6b5c78_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTEtMS0xLTEyNDA2MDE_8844fb10-b7e9-451c-867f-dffa748dbc23">58</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27b2d27983fa4a36871860635e7ffd40_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTItMS0xLTEyNDA2MDE_aa15a62a-d5bb-44bb-82cd-122fce7919dd">100</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ida48fdcb9fcc4eb3931eb9c0b6fd789a_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTMtMS0xLTEyNDA2MDE_5910e521-02d7-4df1-b96a-0dd013257984">36</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i730eddf1d4dc4a76bbb8ec41c602e9e0_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTQtMS0xLTEyNDA2MDE_17dd6522-00e0-4dcd-8000-46fbc907891d">106</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75cfc391cacb47f3bc3b47dc3d53da72_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTUtMS0xLTEyNDA2MDE_ba0508af-1116-468a-a0f8-18313627442e">34</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdd7e72056c5445181b7462695a0c646_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTYtMS0xLTEyNDA2MDE_9f2a805a-f14f-4bfd-bc74-89f9555cfd62">105</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i730f904cf14144a095794fee623649aa_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTctMS0xLTEyNDA2MDE_7f32b3f2-8d2a-4c0d-9ca4-fa30635cde58">Comparable pricing (Observable price in a similar market)<br/>Net asset value</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i730f904cf14144a095794fee623649aa_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTgtMS0xLTEyNDA2MDE_02233098-a580-4316-b9cf-6cb6386edb97">- Brokers quotes<br/>- Market operations<br/>- NAVs published</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i730f904cf14144a095794fee623649aa_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIxLTktMS0xLTEyNDA2MDE_2365008b-af27-4c45-abee-3c4a17eb34ae">- NAV provided by the administrator of the fund</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if1dd56bd42134bd58f3d689dbec7b809_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTEtMS0xLTEyNDA2MDE_a7a2e000-3f38-4d86-bd55-682e24e4b353">10,179</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i477116f4d07f4f269021f27e9e4e92fa_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTItMS0xLTEyNDA2MDE_19e9660f-5225-40ea-8700-165da9a1cc8c">408</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i252fa4246c2848a993ebf151948f23b4_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTMtMS0xLTEyNDA2MDE_0219d745-6aa3-46e3-b863-b3a8df2dc5a5">7,509</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bd3727c29ac4533ac924ea3408b53d8_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTQtMS0xLTEyNDA2MDE_686c0ab1-abbd-4d63-8c80-63e379b4ab1a">613</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3fe7ab467ce414a855c7508ef038815_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTUtMS0xLTEyNDA2MDE_3a6f9ba0-2526-4da0-9f96-5e9e3ee07188">7,832</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367a258b92ca419ca02e9773b167ace1_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTYtMS0xLTEyNDA2MDE_fbbc67a9-8936-4178-bdc7-2155e5a2fc0c">493</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4a5541b455b943548ef01757c2e1b478_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTctMS0xLTEyNDA2MDE_34b44021-3f3a-4836-8d24-5cb611bac2bc">Present-value method<br/>(Discounted future cash flows)<br/>Observed prices in non-active markets</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4a5541b455b943548ef01757c2e1b478_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTgtMS0xLTEyNDA2MDE_63f7c492-58e8-4052-9b0e-69567391b8cc">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Non active market prices</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4a5541b455b943548ef01757c2e1b478_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIyLTktMS0xLTEyNDA2MDE_03ccc9bc-53c2-4b28-a68c-bb468b3551ab">- Prepayment rates<br/>- Issuer credit risk<br/>- Recovery rates</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%">Hedging derivatives</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7b9aca49971485da1c9b1a8ab7e865d_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIzLTEtMS0xLTEyNDA2MDE_f095a61f-6e3b-4169-a785-9f14409ad7f8">1,887</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idac9f8ca047347bbb576d29e216b3364_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIzLTItMS0xLTEyNDA2MDE_5ab960f6-a32b-4e4c-ae6f-922c52078ca8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2922c1f0c0594597a1b3283d5097b0fb_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIzLTMtMS0xLTEyNDA2MDE_0032a200-aebb-4050-b06c-cea28beeca76">1,733</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib99bfb7f9a934c429d56d64ebb4c3c9e_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIzLTQtMS0xLTEyNDA2MDE_0c5aec16-f5e8-424f-b1fc-6dc97d8eb048">9</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3245d10587bc491da7173b59d96fa034_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIzLTUtMS0xLTEyNDA2MDE_a12c2fd5-2d17-45f0-8a7e-0b7c5a64406b">1,862</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:4pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i131f262169314a769c0f085957563b4b_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzIzLTYtMS0xLTEyNDA2MDE_2e483042-6c85-4d60-9d57-23234e2bc14e">8</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:47pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i1ed1b05f7ede41f8b83a9b34c0705461_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI0LTEtMS0xLTEyNDA2MDE_824f94fb-a97f-45aa-b72b-6eb79a29bb50"></ix:nonFraction></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="icc97f6f893ce4b72a1c967586a18966c_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI0LTItMS0xLTEyNDA2MDE_9ea3503f-ab06-4060-98a9-8452e8ab0851"></ix:nonFraction></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i93fd608226b94d4aa05149a0e005d698_I20211231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI0LTMtMS0xLTEyNDA2MDE_68a92fd3-419c-4091-8669-fc9268f8802f"></ix:nonFraction></td><td colspan="3" style="border-top:1pt solid 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#000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i74e1c8b910654fa190ece1f90f2d538b_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI0LTctMS0xLTEyNDA2MDE_243ef959-9b7a-45b5-8fc8-98f3ff23e366">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black, Hull-White and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, Hull-White and LGM<br/>Other Interest rate Options: Black 76, Hull-White and LGM<br/>Constant maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #242424;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="icb4ca1b57c7b45ceb501bad29b507c64_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI0LTgtMS0xLTEyNDA2MDE_0d3e6c91-7d84-4310-b32b-61271adb8c47">-  Exchange rates<br/>-  Market quoted future prices<br/>-  Market interest rates<br/>-  Underlying assets prices: shares, funds, commodities<br/>-  Market observable volatilities  <br/>-  Issuer credit spread levels<br/>-  Quoted dividends<br/>-  Market listed correlations</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i74e1c8b910654fa190ece1f90f2d538b_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI0LTktMS0xLTEyNDA2MDE_3856ade2-b7f2-4ec1-aeef-9208d5a5b1d7">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #242424;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i0fc8257211c34daaa7afa75aff88540c_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI1LTEtMS0xLTEyNDA2MDE_0c251239-c558-40bc-aaff-9174a0540573"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #242424;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i77d27fc304fe4f49b6bc50c8a06eb6fa_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" 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#242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7bc3f971f2614dc6b1254b13b6dddb8d_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI1LTctMS0xLTEyNDA2MDE_fa138ad9-9674-4d86-9fbb-cd820f159713">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, Black 76, Momentum adjustment and Heston</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7bc3f971f2614dc6b1254b13b6dddb8d_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI1LTktMS0xLTEyNDA2MDE_8735fca5-2119-4f9e-9b89-25e46a2fbc88">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</ix:nonNumeric></span></td></tr><tr style="height:30pt"><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="border-top:0.5pt solid #242424;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i59a81674d8e34467a35b6d090839113b_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI2LTEtMS0xLTEyNDA2MDE_26f92546-222f-427c-8419-2c12dff895ee"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #242424;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i27a234a2c192448389a1fc03e6b11fca_I20221231" xsi:nil="true" name="ifrs-full:Assets" scale="6" 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style="border-bottom:1pt solid #242424;border-top:0.5pt solid #242424;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i3cdcb0b6339846229ccc06e5f041793d_I20201231" xsi:nil="true" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI4LTYtMS0xLTEyNDA2MDE_0e42001d-0581-433b-8e79-e545d22e08ad"></ix:nonFraction></td><td colspan="3" style="border-bottom:1pt solid #242424;border-top:0.5pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i0f0d5e9331f141b5a4e927da23909299_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpiYmI1OTdhZWU4MzA0OGZhOWY1YjMzZGU0YzI3MjI2Yi90YWJsZXJhbmdlOmJiYjU5N2FlZTgzMDQ4ZmE5ZjViMzNkZTRjMjcyMjZiXzI4LTctMS0xLTEyNDA2MDE_7ddfee5d-0272-4ac7-9ba9-46fd616b24bd">Commodities: Momentum adjustment and Discounted cash flows</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:1pt solid #242424;padding:0 1pt"></td></tr></table></ix:nonNumeric></ix:continuation></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-100</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i4781452695da4061b7e25f2219d96134" continuedAt="ibdf540f68c884a248a0ee24483e3af35"><div style="margin-bottom:10pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90ZXh0cmVnaW9uOmExZDdjNzQ4N2VmNzRhZTVhNjZjZWI4NzA5YjI4NzRjXzU3NzI0MzYwNDYxODY0_1aab4274-8db1-43c2-a088-f724c353a034" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.676%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.160%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.858%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair Value of Financial Instruments by Levels.(Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Valuation techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Observable inputs</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unobservable inputs</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Financial liabilities held for trading </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19decb639ee74593b956be165516bd8a_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzQtMS0xLTEtMTI0MDYwMQ_3d11da76-18da-403e-b2ea-92a25426027d">73,871</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba494efde451431caf2cdb540a6dfb80_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzQtMi0xLTEtMTI0MDYwMQ_226362ac-c872-4b3f-b927-150f2b323f34">1,129</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie61db02d5c9f42e79e84b1c9fa2cfa5f_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzQtMy0xLTEtMTI0MDYwMQ_c220ac6b-e1cc-4aa5-97eb-4502bce28165">64,305</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66602614325e4265938285196dab187a_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzQtNC0xLTEtMTI0MDYwMQ_ad94e990-c94f-4280-b8d7-313bf1705705">615</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7e649d0bce74fb3af42cc9731d2ac78_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzQtNS0xLTEtMTI0MDYwMQ_4cc7ee12-2472-4b31-ac11-933eeadeff38">56,127</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c9b4e4acf834e9aa735d6f87eaed547_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzQtNi0xLTEtMTI0MDYwMQ_4086c5c0-8ecd-401a-9ad0-941d7e4d4dbe">395</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id368c5dd51af49e3aa29603a99036078_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtMS0xLTEtMTI0MDYwMQ_6d2f2c1a-5e27-42df-8c9a-102a5af6ac3c">37,577</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieec1480dadca45869997b3fe25ab1950_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtMi0xLTEtMTI0MDYwMQ_0df51b3e-f5c3-49eb-8929-e4c4fc2da352">127</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib541b268e2d44d78904e8e5f72707a5e_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtMy0xLTEtMTI0MDYwMQ_a89d9a5b-8e94-42c9-ba3d-30c4a3dce931">37,733</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i079e5cc5669f4771adfe5533757d4929_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtNC0xLTEtMTI0MDYwMQ_9dfaa608-bc24-44a6-b88c-821833b36e07">226</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02c2eb374f36477fa9a705de8e5f4e35_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtNS0xLTEtMTI0MDYwMQ_032ccdc3-64f7-426d-8e0f-77e5e4ccf72c">21,577</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe0a2d180eaa4648abfb007def264a36_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtNi0xLTEtMTI0MDYwMQ_1bd90fe6-4ee8-4a94-a957-85db97cb67b9">159</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia800127ab4ba4f41806fd1a2641997f0_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtNy0xLTEtMTI0MDYwMQ_1774fa1d-85c1-4f61-baf3-81a059f71b71">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia800127ab4ba4f41806fd1a2641997f0_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtOC0xLTEtMTI0MDYwMQ_a49f6954-442e-4f3e-ba68-a9a9a5cb65ef">- Interest rate yield<br/>- Funding interest rates observed in the market or in consensus services<br/>-  Exchange rates</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia800127ab4ba4f41806fd1a2641997f0_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzUtOS0xLTEtMTI0MDYwMQ_a7af901c-5a0d-4e6f-89ef-c9fc1f67c1bf">- Funding interest rates not observed in the market or in consensus services</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b255c833b149c0aeb49bdd071366b6_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzYtMS0xLTEtMTI0MDYwMQ_505a899b-4542-49d5-9241-f48989b437fe">36,161</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b0746b588c54ceea8976ddabf7e291c_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzYtMi0xLTEtMTI0MDYwMQ_047027c9-f623-4a50-bd6f-69f2f032b6bc">1,002</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee12b969fd034898adabc52b026fd078_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzYtMy0xLTEtMTI0MDYwMQ_2a94a77c-9965-4d28-9add-6b49966e57e8">26,560</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023eeeb51d3447249930b608be46aaf6_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzYtNC0xLTEtMTI0MDYwMQ_3141a683-19b5-41a0-bb23-c5040e8426e6">389</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3e428c057ef4024b7b4f76b2bfb464a_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzYtNS0xLTEtMTI0MDYwMQ_ab0d8b91-2b33-4838-8507-24b8b42fb410">34,046</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iebafddb9955843ab89598bc9f4be4b5f_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzYtNi0xLTEtMTI0MDYwMQ_d193eda4-631d-43f9-9150-97ed086e2dde">232</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i05eb12658783492a99909ab347146373_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctMS0xLTEtMTI0MDYwMQ_6df1a0a4-a2d6-4596-8b81-b5573797fc78"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ia17dda5027d54399860faba55b51178e_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctMi0xLTEtMTI0MDYwMQ_f6c6dd50-33d7-4df6-9622-258d8627112e"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i5c2ed65b49474ac68ce5da462cdf96d0_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctMy0xLTEtMTI0MDYwMQ_d11c4fd6-2a29-4254-9660-3b9929609fc9"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i16a4d0be432444959841ae5cc7c23472_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctNC0xLTEtMTI0MDYwMQ_971a5933-9aea-4d98-a76c-afa51c9c675f"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i3301ddf0c506474c818a220ffbc25065_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctNS0xLTEtMTI0MDYwMQ_33367701-8dbd-45e2-930c-8aceea6a9219"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ibde9bc4833814d4a8b2958b0298d66d8_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctNi0xLTEtMTI0MDYwMQ_2282bdda-97b7-49b0-a232-ad9221205372"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i5f626d73980f4870b059f382c5252eca_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctNy0xLTEtMTI0MDYwMQ_b5678e41-3f17-441c-8dec-a405295c4679">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76, Hull-White and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, Hull-White and LGM<br/>Other Interest rate Options: Black 76, Hull-White, SABR and LGM<br/>Constant Maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="4" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i90aad815be49490e8c14a53e58e0aa63_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctOC0xLTEtMTI0MDYwMQ_3331e494-b3ee-4eea-a21c-2232df7a5318">-  Exchange rates<br/>-  Market quoted future prices<br/>-  Market interest rates<br/>-  Underlying assets prices: shares, funds, commodities<br/>-  Market observable volatilities  <br/>-  Issuer credit spread levels<br/>-  Quoted dividends<br/>-  Market listed correlations</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i5f626d73980f4870b059f382c5252eca_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzctOS0xLTEtMTI0MDYwMQ_c5cf9efa-05b0-4f04-b863-0a8dd52d1dde">- Beta<br/>- Correlation between tenors<br/>- Interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ia56f565f17124011ba14612b0c242444_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtMS0xLTEtMTI0MDYwMQ_e95fdd8a-3f77-4a61-8a3b-6733b6be9618"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i4a303489a4dd4becbab6eba8519696fa_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtMi0xLTEtMTI0MDYwMQ_817d1f99-00ba-4178-890d-824aa9a8bee8"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="icec3c192cab740f8b6e82e1a50ebb748_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtMy0xLTEtMTI0MDYwMQ_82e78daa-5411-4f8a-9d83-d00546b64c7d"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ib650083be8a44ce6b921b4da6900b229_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtNC0xLTEtMTI0MDYwMQ_48e39267-ee2d-4c01-b865-0190813d146a"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i160adce1df224dc89eff21a85c3bd367_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtNS0xLTEtMTI0MDYwMQ_fb66b32f-2e69-4c42-b744-badabfa5f1ac"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i640c8cf2c3304959aa61d955703c18d9_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtNi0xLTEtMTI0MDYwMQ_bd091135-f414-4020-b74e-be5e99a635fb"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i286c17ae72bc4c0fb0f1ba9251f17197_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtNy0xLTEtMTI0MDYwMQ_f9456bdf-1ce8-4761-a024-f445a63a6b2f">Future and Equity forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i286c17ae72bc4c0fb0f1ba9251f17197_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzgtOS0xLTEtMTI0MDYwMQ_baddb16a-745b-427e-9587-c7e94e4365a3">- Volatility of volatility<br/>- Assets correlation</ix:nonNumeric></span></td></tr><tr style="height:33pt"><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i29fd9503717b4ca5aeb697e175896545_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktMS0xLTEtMTI0MDYwMQ_5f1041ea-fece-4daf-af47-0a60aff5478b"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i1a523a219be344a796616dc9909f7ac2_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktMi0xLTEtMTI0MDYwMQ_c75c5ee0-43f4-4b9e-9f6c-0cc17c70f44a"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="iadcbaf970a694a089632485f81bc145b_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktMy0xLTEtMTI0MDYwMQ_37f797e1-89ca-4075-88aa-acd07b3b1cbc"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktNS0xLTEtMTI0MDYwMQ_ac3f8ce4-e68d-4188-b5da-f843372bf5db"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i6bcea987c3ab4db3aadcaa0916451552_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktNi0xLTEtMTI0MDYwMQ_f83f8435-6725-4d88-8f74-2065fbef9720"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i967e30ecb4e843f0896f5ab93326e300_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktNy0xLTEtMTI0MDYwMQ_dac49df0-7035-43a3-9d6d-379bb7c9a3be">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local volatility, momentum adjustment</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i967e30ecb4e843f0896f5ab93326e300_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzktOS0xLTEtMTI0MDYwMQ_0cf57234-4968-4f53-b1c2-93d22d683749">- Volatility of volatility<br/>- Assets correlation</ix:nonNumeric></span></td></tr><tr style="height:33pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Credit</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i9f6df5d4ab8f4a58b9fa3ebb8af53f76_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTEtMS0xLTEyNDA2MDE_5f1a00f4-bd2d-434f-b217-fd7e428e5ca5"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i9077b2ecc5464695bc0b319e738cbbb5_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTItMS0xLTEyNDA2MDE_a03bce55-6ff8-48a2-87e1-f70121ff49c2"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i7938a3f457e043b5961c677f4d0e4f23_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTMtMS0xLTEyNDA2MDE_f6d3e06d-5254-4004-8f90-baea5f98f8a0"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTUtMS0xLTEyNDA2MDE_063690a4-b0d2-4865-8eea-b1af0fca7fd0"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="id8ca49cb35614503b4b296f518bc5f5b_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTYtMS0xLTEyNDA2MDE_974fc6ae-3ba6-4777-8184-86a846c7e215"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib5f15e7c9d6d47db9fe6b4173066e44a_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTctMS0xLTEyNDA2MDE_61d897b3-f854-4638-ae69-9a070ea1a3c0">Credit Derivatives: Default model and Gaussian copula</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ib5f15e7c9d6d47db9fe6b4173066e44a_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEwLTktMS0xLTEyNDA2MDE_fee076f5-1012-4765-95b0-65d4876f0e5e">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Commodities</span></td><td colspan="3" style="border-top:0.5pt 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzExLTItMS0xLTEyNDA2MDE_6f87aec7-cdac-497d-b57f-1785730c5dda"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="if6a3ce0cd5ff48cb9b927e5e513449e0_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzExLTMtMS0xLTEyNDA2MDE_6dd43e6a-929f-43ee-9ce1-65472cdf17f4"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzExLTUtMS0xLTEyNDA2MDE_964d3e65-45f4-4015-a60c-739b77a44451"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="idc8add0511364df88cb5c824cca41fd3_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzExLTYtMS0xLTEyNDA2MDE_9064cb51-f289-48df-902e-b17d969450b5"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ibca073f18d244832ac2d033a1ee3acab_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzExLTctMS0xLTEyNDA2MDE_24973ab1-ea57-4f3b-8c4b-e47da70cc2eb">Commodities: Momentum adjustment and discounted cash flows</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#DADADA;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #242424;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Short positions </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic38cce457e8844968191001426dab5b5_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEyLTEtMS0xLTEyNDA2MDE_4c352d64-ce97-4246-b14a-3c1e6ab1d792">133</ix:nonFraction></span></td><td colspan="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9eeee54d802945a0820c7218f78cf69b_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEyLTMtMS0xLTEyNDA2MDE_154bb450-f601-456f-8654-5140803574de">11</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabcede802c564cc8b0f05be45f461671_I20211231" decimals="-6" name="ifrs-full:Liabilities" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEyLTUtMS0xLTEyNDA2MDE_96cf7a47-f623-4c21-b12c-f044a2365a36">504</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6fb6b1bfa8f34ffdaa163ca93981a242_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEyLTctMS0xLTEyNDA2MDE_be583913-3414-4b4a-a09c-26a910d012a3">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="id04149a5d68142648f2f10b7f5be5cea_D20220101-20221231" name="bbva:UnobservableInputs" 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style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8ace277cc1649ad99d4be394fbb6086_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTEtMS0xLTEyNDA2MDE_659a0db3-e6c9-40c9-9da3-978fe96583a0">8,990</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3cd78a9b4ff452199b064a7e7aa14b4_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTItMS0xLTEyNDA2MDE_f673e5c4-78b7-4352-bedd-41515a68087b">1,590</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71cdedad4f114662b4d0b46705d1f299_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTMtMS0xLTEyNDA2MDE_bcf6830a-2e4c-4764-b9d6-378dd0d073fe">8,243</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17fbee652c584a268bafdc14aab7e188_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTQtMS0xLTEyNDA2MDE_9a18550d-47c2-4ebb-9386-2ce3cd63616b">1,439</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72d1438180a741348ffda67027187da7_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTUtMS0xLTEyNDA2MDE_5bc1db71-c1bd-4029-b802-304c91394723">8,558</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if62c025b3d474b4cb9b8cad54ccebc51_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTYtMS0xLTEyNDA2MDE_70849972-5503-4fe1-a059-f444d3ac08a0">1,492</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i8145e77818514fbfa0a9f9ccffeb2c67_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTctMS0xLTEyNDA2MDE_36a66dc1-af3e-403e-8f5d-5b37b806b38f">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><ix:nonNumeric contextRef="i8145e77818514fbfa0a9f9ccffeb2c67_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTgtMS0xLTEyNDA2MDE_92ef3137-31f7-4335-b2ed-78dd1c11a636"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">- Prepayment rates</span><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">- Issuer&#180;s credit risk</span></div><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">- Current market interest rates</span></div></ix:nonNumeric></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i8145e77818514fbfa0a9f9ccffeb2c67_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzEzLTktMS0xLTEyNDA2MDE_4190dfe8-1501-4b2c-b868-eee6f2f14edf">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cda451e8886487ca0ba4cca98577e3a_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE0LTEtMS0xLTEyNDA2MDE_6569be85-5462-48e1-8a07-20f22d4f0906">3,179</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1876ad430f124a5496bb93fd57674857_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE0LTItMS0xLTEyNDA2MDE_4a3f8583-1d5d-4722-8d88-3559425e616d">25</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i25c4426587a84931830c45201172ac72_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE0LTMtMS0xLTEyNDA2MDE_8b9985e8-e64b-4002-a2cd-411761c4a634">2,573</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieca2abb08ca6489da8f905697356b01f_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE0LTQtMS0xLTEyNDA2MDE_16544c41-2e17-4962-91c0-bb35a1b92249">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibbb3b2fbb83549e1ba5e170645675fb0_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE0LTUtMS0xLTEyNDA2MDE_3b0c5ffe-ed30-4023-ac51-03fc15181783">2,250</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie97ac66f71d44056901fc52e25f561af_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE0LTYtMS0xLTEyNDA2MDE_0e2364f6-a919-462e-a982-e19fc73085f9">15</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr style="height:63pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i50f521bfcc7146e8bee3f9909dff50ff_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTEtMS0xLTEyNDA2MDE_05c1dc9e-447d-4e76-9307-0cb115c4b0d5"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i8c2dbf8fd9a24c40b3a07b410df5b71b_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTItMS0xLTEyNDA2MDE_05d1b763-faa7-4ae1-ad75-30938fccbb9e"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="if026440506174b54ae9f6ad32b117c96_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTMtMS0xLTEyNDA2MDE_b1e4fed8-2153-44e2-8d0b-9aa4b6b0325a"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i6e154daf47e64b88bf4b617fc0e1501c_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTQtMS0xLTEyNDA2MDE_0e79cfc5-09b6-4afd-a031-4dbfff1c6b1c"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="if79feffe0879493ca73a5ecc6da746a1_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTUtMS0xLTEyNDA2MDE_a2a48c05-ed31-47a9-999a-25adb518215d"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i4329241e9f8940f39bc9c3dfec30466c_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTYtMS0xLTEyNDA2MDE_05a4c642-bec3-4baf-80f1-a2bfd98f6265"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i33d6d4ffdae049dbab7b808522a17c5c_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTctMS0xLTEyNDA2MDE_476d5e9a-0e04-4116-9a9e-dfaa1c375bd2">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76, Hull-White and SABR<br/>Bond options: Black 76<br/>Swaptions: Black, Hull-White and LGM<br/>Other Interest rate Options: Black 76, Hull-White, SABR and LGM<br/>Constant Maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="icc01108cad1243618621770baa477335_D20220101-20221231" name="bbva:ObservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTgtMS0xLTEyNDA2MDE_84f49b10-c8a5-495a-977e-f6a15247cd43">-  Exchange rates<br/>-  Market quoted future prices<br/>-  Market interest rates<br/>-  Underlying assets prices: shares, funds, commodities<br/>-  Market observable volatilities  <br/>-  Issuer credit spread levels<br/>-  Quoted dividends<br/>-  Market listed correlations</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i33d6d4ffdae049dbab7b808522a17c5c_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE1LTktMS0xLTEyNDA2MDE_5a15cf5c-e34d-4820-91b4-8f96521dede6">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:33pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i952ddd3e9a4e43b0b452a705939a276f_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTEtMS0xLTEyNDA2MDE_db4c1f05-a9f0-45de-a37a-e758da403799"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ifab58af5066d4cc19da8b56c1ebdf2fc_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTItMS0xLTEyNDA2MDE_ea3858bf-f79b-4bd3-b762-6748c8e9d188"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i02f03b697da24b0d912659404ed0ae7e_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTMtMS0xLTEyNDA2MDE_2c53f894-e2e4-4e6a-b39f-6bf17763c280"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ic4b1fb293baf4393b0cdfb2d40ae6453_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTQtMS0xLTEyNDA2MDE_3720af4d-ea20-4d1e-ab0a-1b3ce7836cd0"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i1d8c5aac643c4d04bdf0035eac725c35_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTUtMS0xLTEyNDA2MDE_28b9af53-2fab-480d-a428-7af83e9f03a4"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i3e7ad977ea554725bce55712dbb16a47_I20201231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTYtMS0xLTEyNDA2MDE_fac6794c-c2da-4a4f-9ae9-84a0afe76db7"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i55ff8f3c8e714a0e861dc1b3f742cf57_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTctMS0xLTEyNDA2MDE_fd5dc2d7-c04f-4c14-a8f3-f479f79cd899">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i55ff8f3c8e714a0e861dc1b3f742cf57_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE2LTktMS0xLTEyNDA2MDE_e3674d44-2f1e-4101-b79f-f7a3b3e5f8e3">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</ix:nonNumeric></span></td></tr><tr style="height:33pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ibf6a5dd7c76c464db319a3db16c9c503_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE3LTEtMS0xLTEyNDA2MDE_d8f0cd36-017e-4c0e-896c-8e3d35393744"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i1673399910f5476f8b466eea690879e9_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE3LTItMS0xLTEyNDA2MDE_19d763f4-24c2-4fc4-ab60-ec4dc58cba75"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="iec9a2c2e50ee4cb6af5e4a70ff1091ca_I20211231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE3LTMtMS0xLTEyNDA2MDE_756a7ea2-d9f0-4ac8-b0ac-ac43bd9b5f32"></ix:nonFraction></td><td colspan="3" style="border-top:0.5pt solid 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#000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268d01b2c9294656a78d303c31e46800_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE3LTctMS0xLTEyNDA2MDE_6e62c95e-0fd9-4125-ab54-ea631165d7aa">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local Volatility, momentum adjustment</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i268d01b2c9294656a78d303c31e46800_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE3LTktMS0xLTEyNDA2MDE_28efb6ce-7900-417a-92f6-bbe97b23ee34">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</ix:nonNumeric></span></td></tr><tr style="height:33pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Credit</span></td><td colspan="3" style="border-top:0.5pt 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contextRef="idfc5658ad58d40a7b03c46f652956cbc_D20220101-20221231" name="bbva:UnobservableInputs" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE4LTktMS0xLTEyNDA2MDE_f78ed43b-abfe-4ebe-9990-f5c0f04a87d2">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</ix:nonNumeric></span></td></tr><tr style="height:15pt"><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">Commodities</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i658f85602a3448509a4ed91dea7040c5_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE5LTEtMS0xLTEyNDA2MDE_3cf25f1f-b35a-4cc5-ac40-d9a3b63d4459"></ix:nonFraction></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i168fe58bc5de4bc2910fe6bfbc56387b_I20221231" xsi:nil="true" name="ifrs-full:Liabilities" scale="6" 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style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i011338d39f614c8993987cc5584eba62_D20220101-20221231" name="bbva:ValuationTechniques" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTplNGJmMzRlMWZkMmU0MTNjYTZhNmJkMDhlMzdlYzM2Zi90YWJsZXJhbmdlOmU0YmYzNGUxZmQyZTQxM2NhNmE2YmQwOGUzN2VjMzZmXzE5LTctMS0xLTEyNDA2MDE_b9565d33-9069-4ad7-a503-1e86af08c186">Commodities: Momentum adjustment and discounted cash flows</ix:nonNumeric></span></td><td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000;padding:0 1pt"></td></tr></table></ix:nonNumeric></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:115%">Main valuation techniques</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main techniques used for the assessment of the majority of the financial instruments classified in level 3, and its main unobservable inputs, are described below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The net present value (net present value method): This technique uses the future cash flows of each financial instrument, which are established in the different contracts, and discounted to their present value. This technique often includes many observable inputs, but may also include unobservable inputs, as described below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Credit Spread: This input represents the difference in yield of a debt security and the reference rate, reflecting the additional return that a market participant would require to take the credit risk of that debt security. Therefore, the credit spread of the debt security is part of the discount rate used to calculate the present value of the future cash flows.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Recovery rate: This input represents the percentage of principal and interest recovered from a debt instrument that has defaulted.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-101</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ibdf540f68c884a248a0ee24483e3af35" continuedAt="ic84b40eeaf6d485999dfc483e4acccfd"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Comparable prices (similar asset prices): This input represents the prices of comparable financial instruments and benchmarks used to calculate a reference yield based on relative movements from the entry price or current market levels. Further adjustments to account for differences that may exist between financial instrument being valued and the comparable financial instrument may be added. It can also be assumed that the price of the financial instrument is equivalent to the comparable instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Net asset value: This technique utilizes certain assumptions to use net asset value as representative of fair value, which is equal to the total value of the assets and liabilities of a fund published by the managing entity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Gaussian copula: This model is used to integrate default probabilities of credit instruments referenced to more than one underlying CDS (Credit Default Swaps). The joint density function used to value the instrument is constructed by using a Gaussian copula that relates the marginal densities by a normal distribution, usually extracted from the correlation matrix of events approaching default by CDS issuers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Black 76: variant of Black Scholes model, whose main application is the valuation of bond options, cap floors and Swaptions where the behavior of the Forward and not the Spot itself, is directly modeled.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Black Scholes: The Black Scholes model postulates log-normal distribution for the prices of securities, so that the expected return under the risk neutral measure is the risk free interest rate. Under this assumption, the price of vanilla options can be obtained analytically, so that inverting the Black- Scholes formula, the implied volatility for process of the price can be calculated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Heston: This model, typically applied to equity OTC options, assumes stochastic behavior of volatility. According to which, the volatility follows a process that reverts to a long-term level and is correlated with the underlying equity instrument. As opposed to local volatility models, in which the volatility evolves deterministically, the Heston model is more flexible, allowing it to be similar to that observed in the short term today.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Libor market model: This model assumes that the dynamics of the interest rate curve can be modeled based on the set of forward contracts that compose the underlying interest rate. The correlation matrix is parameterized on the assumption that the correlation between any two forward contracts decreases at a constant rate, beta, to the extent of the difference in their respective due dates. The input &#8220;Credit default volatility&#8221; is a volatility input of the credit factor dynamic applied in rate/credit hybrid operative. The multifactorial frame of this model makes it ideal for the valuation of instruments sensitive to the slope or curve, including interest rate option.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Local Volatility: In the local volatility models, the volatility, instead of being static, evolves deterministically over time according to the level of moneyness (i.e. probability that the option has a positive value on its date of expiration) of the underlying, capturing the existence of volatility smiles. The volatility smile of an option is the empirical relationship observed between its implied volatility and its strike price. These models are appropriate for options whose value depends on the historical evolution of the underlying which use Monte Carlo simulation technique for their valuation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Unobservable inputs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:UnobservableInputsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90ZXh0cmVnaW9uOmExZDdjNzQ4N2VmNzRhZTVhNjZjZWI4NzA5YjI4NzRjXzU3MTc0NjA0NjQ4MzIx_edeadea9-0660-434c-8b8e-7ae8798d690b" continuedAt="i7c2dc212eaf742db86862a9d57eaeceb" escape="true">Quantitative information of unobservable inputs used to calculate level 3 valuations is presented below as of December 31, 2022, 2021 and 2020.</ix:nonNumeric></span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-102</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic84b40eeaf6d485999dfc483e4acccfd" continuedAt="i04af9e17dabc4e8dab9926e19c66436a"><ix:continuation id="i7c2dc212eaf742db86862a9d57eaeceb" continuedAt="ibffbbd7076cf4a7bbd3fced6bb656882"><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:19.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.624%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unobservable inputs. December 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial instrument</span></td><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation technique(s)</span></td><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant unobservable inputs</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Min</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Max</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Units</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt Securities</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="ib2808f351572423896c6ce013385a7d6_D20220101-20221231" decimals="4" name="bbva:CreditSpread" format="ixt:fixed-zero" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzItMy0xLTEtMTI0MDYwMQ_466a3b5e-be43-438a-8ff1-08f546a8f56c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i780df0e5aef641b987c31add4217df6b_D20220101-20221231" decimals="4" name="bbva:CreditSpread" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzItNC0xLTEtMTI0MDYwMQ_f7c3c65f-095b-4c3f-9115-708774315313">111</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i53b7df38ea5f42e383519ca8b86f8205_D20220101-20221231" decimals="4" name="bbva:CreditSpread" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzItNS0xLTEtMTI0MDYwMQ_ac6be0a0-0347-4903-87fc-280357d3176f">1,538</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">bp</span></td></tr><tr style="height:13pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recovery rate</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib2808f351572423896c6ce013385a7d6_D20220101-20221231" decimals="2" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzMtMy0xLTEtMTI0MDYwMQ_f7ecd084-d669-41aa-9026-d9b6a528aa40">0</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i780df0e5aef641b987c31add4217df6b_D20220101-20221231" decimals="2" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzMtNC0xLTEtMTI0MDYwMQ_1540891e-6248-4725-8273-568aeb04557b">39</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i53b7df38ea5f42e383519ca8b86f8205_D20220101-20221231" decimals="1" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzMtNS0xLTEtMTI0MDYwMQ_56b02d9b-0bf7-4f63-b8ca-502be1ae660d">40</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable Pricing</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i74f42cf39aec42949698764f8cc7bfa7_D20220101-20221231" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzQtMy0xLTEtMTI0MDYwMQ_c3b6b253-12a2-4e81-9f0f-74500a4147ea">2</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6f21bb49c50f49bbb79f236136a57d6a_D20220101-20221231" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzQtNC0xLTEtMTI0MDYwMQ_ff8b8842-fb5f-4b6e-8d2f-98a7039add46">94</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i319104577c12451a991a626222bc61a4_D20220101-20221231" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzQtNS0xLTEtMTI0MDYwMQ_dd64db85-9b99-46b8-b7a6-2ee8e11e059f">139</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity/Fund instruments</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net Asset Value</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable Pricing</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repo funding curve</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iacc259847bfe4347ad7375ed7e64d6d6_D20220101-20221231" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzctMy0xLTEtMTI0MDYwMQ_c1ef40c8-990a-4a6c-a571-f17dbb1256bb">0.71</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5bf5ba51157d4b49ba63f9e464152e17_D20220101-20221231" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzctNC0xLTEtMTI0MDYwMQ_fe1bbd2d-783e-48f0-a731-8e533c5b06bc">3.48</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i282cd9ffcb5c432a8311944a2ce7b1bd_D20220101-20221231" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzctNS0xLTEtMTI0MDYwMQ_9a124f29-65b5-4537-8ec4-39eb7c7b70df">5.52</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Abs Repo rate</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gaussian Copula</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation default</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id63143cdcc6243e4ba14408a1cb21fd9_D20220101-20221231" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzgtMy0xLTEtMTI0MDYwMQ_6ea868a5-41b8-48a1-a249-6cc904238baa">26</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i005a84412ed54692ab27de6e3b98ce26_D20220101-20221231" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzgtNC0xLTEtMTI0MDYwMQ_9458db8a-d9f7-453e-b1b4-ddaf7507e0b9">44</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3fc39eb71f2c4b81b8a8b31d2860d1e8_D20220101-20221231" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzgtNS0xLTEtMTI0MDYwMQ_c4c9514f-0711-4ff5-8ca9-209cecca3f6d">58</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Black 76</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i300f8c7709024805935b01f04d2f6e2d_D20220101-20221231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzktMy0xLTEtMTI0MDYwMQ_af02f781-920f-4190-baf2-767ecc298cc0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ibd05930a77f34d62a7676c14cd8538d4_D20220101-20221231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzktNC0xLTEtMTUxODIzNw_a9bcbe43-1f06-4ea6-b954-4c074053aed1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i34bb7a202a7a4a299ae5c9738f120f89_D20220101-20221231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzktNS0xLTEtMTUxODIzNw_be7fd59a-3c70-4f3e-908f-a57abf04ab02">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity Derivatives</span></td><td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on equities, baskets of equity, funds</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i1f956e18f971422b9f96b9adcaf35845_D20220101-20221231" decimals="2" sign="-" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzExLTMtMS0xLTEyNDA2MDE_b26e336d-e4fb-4ac2-9fdf-e8967ea7f67d">93</ix:nonFraction> %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9350706b8339429ab62360b7deced184_D20220101-20221231" decimals="2" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzExLTQtMS0xLTEyNDA2MDE_a0afe84e-963b-4ccc-9f16-1342efb1f46f">59</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i47842dd0aadf4ef3bc09bea90389e2e5_D20220101-20221231" decimals="2" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzExLTUtMS0xLTEyNDA2MDE_19060b3f-445a-4f0f-ad0c-abad2f048170">99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i1f956e18f971422b9f96b9adcaf35845_D20220101-20221231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzEyLTMtMS0xLTEyNDA2MDE_7ab5af60-31be-4fad-b500-48f3f04e49c0">7.81</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i9350706b8339429ab62360b7deced184_D20220101-20221231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzEyLTQtMS0xLTEyNDA2MDE_08895e36-25bc-44ee-b011-d9de683e9ab8">32.62</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i47842dd0aadf4ef3bc09bea90389e2e5_D20220101-20221231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzEyLTUtMS0xLTEyNDA2MDE_459188b1-6023-460c-a6ce-fd10547cf55b">98.71</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FX Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on FX underlyings</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i919a2ed2789e4ff39b62ad28de1894fc_D20220101-20221231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzEzLTMtMS0xLTEyNDA2MDE_aeb536b6-d214-407b-85b1-edad20bcaed9">5.32</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i1ec11b4182c041aaacea481547011df9_D20220101-20221231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzEzLTQtMS0xLTEyNDA2MDE_5e6aa256-3f80-498e-b5dc-a619531e95c4">11.93</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ibabfa43dd4114b9599f07eda2c742bff_D20220101-20221231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzEzLTUtMS0xLTEyNDA2MDE_9b431a49-ee27-49d3-b82a-4046c881b984">20.73</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr style="height:22pt"><td colspan="3" rowspan="3" style="border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IR Derivatives</span></td><td colspan="3" rowspan="3" style="border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on IR underlyings</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Beta</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib7460b239eaf4d359042422512657def_D20220101-20221231" decimals="4" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE0LTMtMS0xLTEyNDA2MDE_4329a462-3b53-476e-bb83-0f2385dc91b2">0.25</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if097b94ae01046bda27adeb35be2d1db_D20220101-20221231" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE0LTQtMS0xLTEyNDA2MDE_f6a0bde3-0772-4f28-a47c-ddc072539fa6">2</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i131a9212e3e34c6884a7ec6dcdce9c07_D20220101-20221231" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE0LTUtMS0xLTEyNDA2MDE_6d1773f5-ade0-4f81-91b0-3371092456c6">18</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation rate/credit</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ib7460b239eaf4d359042422512657def_D20220101-20221231" decimals="0" sign="-" name="bbva:CorrelationRateCredit" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE1LTMtMS0xLTEyNDA2MDE_ab27017d-3f2c-4c7b-9147-4ff792907895">100</ix:nonFraction> %)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i131a9212e3e34c6884a7ec6dcdce9c07_D20220101-20221231" decimals="0" name="bbva:CorrelationRateCredit" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE1LTUtMS0xLTEyNDA2MDE_f717bc1e-038f-42f9-bbe0-6651fe86eb52">100</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation rate/inflation</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ib7460b239eaf4d359042422512657def_D20220101-20221231" decimals="2" name="bbva:CreditDefaultVolatility" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE2LTMtMS0xLTEyNDA2MDE_82d9e2f8-5831-49b9-a263-5fa2ce9472cd">51</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="if097b94ae01046bda27adeb35be2d1db_D20220101-20221231" decimals="2" name="bbva:CreditDefaultVolatility" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE2LTQtMS0xLTEyNDA2MDE_b9e7fcf8-3a30-4cdb-bd8f-8b72f6fcd90e">66</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i131a9212e3e34c6884a7ec6dcdce9c07_D20220101-20221231" decimals="2" name="bbva:CreditDefaultVolatility" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo5OWQ0YTBjMmRhMzc0YzNmOTliYmUxN2VkN2JjMWU4Yy90YWJsZXJhbmdlOjk5ZDRhMGMyZGEzNzRjM2Y5OWJiZTE3ZWQ3YmMxZThjXzE2LTUtMS0xLTEyNDA2MDE_f052e624-ab94-4c21-8709-68e2e980b3cd">76</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Due to the diversity of valuation models of equity valuations, we would not include all the unobservable inputs or the quantitative ranges of them. </span></div><div style="margin-bottom:10pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.969%"><tr><td style="width:1.0%"></td><td style="width:18.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.050%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.050%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.697%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.836%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#e9e9e9;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unobservable inputs. December 2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial instrument</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation technique(s)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant unobservable inputs</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Min</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Max</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Units</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt Securities</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i8125e8b9017249f0a4d0b5ac04ec5ec3_D20210101-20211231" decimals="4" name="bbva:CreditSpread" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzItMy0xLTEtMTI0MDYwMQ_69e33ce6-45f3-4821-95dc-a632070f3fdf">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i1e28f084f4724338a17a4bbb7236639c_D20210101-20211231" decimals="4" name="bbva:CreditSpread" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzItNC0xLTEtMTI0MDYwMQ_2ff94d8e-e778-44dd-9127-41b29880de20">125</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="if168c48e28874db5ad170ad62e6e590f_D20210101-20211231" decimals="4" name="bbva:CreditSpread" format="ixt:num-dot-decimal" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzItNS0xLTEtMTI0MDYwMQ_3264760d-55e5-4167-b978-f7cfecfd7308">2,374</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">bp</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recovery rate</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8125e8b9017249f0a4d0b5ac04ec5ec3_D20210101-20211231" decimals="4" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzMtMy0xLTEtMTI0MDYwMQ_722cd1ac-b3b8-46c5-b751-cd7a2dddb7f1">0</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1e28f084f4724338a17a4bbb7236639c_D20210101-20211231" decimals="4" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzMtNC0xLTEtMTI0MDYwMQ_9af4406f-a8b7-4938-b4f0-2497a937475d">37</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if168c48e28874db5ad170ad62e6e590f_D20210101-20211231" decimals="1" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzMtNS0xLTEtMTI0MDYwMQ_e658d324-e438-4cbf-b6ce-b33d0fff5b7f">40</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable Pricing</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i53c7de3e2eff41559cf9e75d1b239859_D20210101-20211231" decimals="3" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzQtMy0xLTEtMTI0MDYwMQ_f2e72247-ec18-4214-a270-67d77cc31b18">0.1</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i6df197f9bae843f38427b4601a230d3c_D20210101-20211231" decimals="4" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzQtNC0xLTEtMTI0MDYwMQ_0ba3ece6-ffdc-4727-ab6f-4edc3ce0ad70">97</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iddef064c2eb84377bd9ad8555f5677b3_D20210101-20211231" decimals="4" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzQtNS0xLTEtMTI0MDYwMQ_f2d35839-3e54-4299-979c-fe1681e05c7e">144</ix:nonFraction> %</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity/Fund instruments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net Asset Value</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable Pricing</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repo funding curve</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i02b2636368594e309fd830686d2f85af_D20210101-20211231" decimals="4" sign="-" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzctMy0xLTEtMTI0MDYwMQ_1f4d2ccc-af99-4462-8fdd-7e8fcaac80f3">2.71</ix:nonFraction> %)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i269bf8fc7a5e4d6b9015a8eed24067ac_D20210101-20211231" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzctNC0xLTEtMTI0MDYwMQ_becc9bac-50b9-4268-b5c6-cc483026e950">1.16</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ica1ccdd3dfa544b8a03583d47e126cca_D20210101-20211231" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzctNS0xLTEtMTI0MDYwMQ_ac02aa50-2ea0-427e-b39a-866fec664a6d">4.99</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Abs Repo rate</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gaussian Copula</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation default</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i49d2d5dc20264145b63ddc800c2b810e_D20210101-20211231" decimals="4" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzgtMy0xLTEtMTI0MDYwMQ_6979d065-80a3-4401-a8c4-d0a6f113d910">35</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9a729a19f06245749e113b15a469f113_D20210101-20211231" decimals="4" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzgtNC0xLTEtMTI0MDYwMQ_5ede1059-476a-4db7-a280-3a09e5a38564">43</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8ee1883acede49d090b55505fea16f0d_D20210101-20211231" decimals="4" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzgtNS0xLTEtMTI0MDYwMQ_cccd0c60-26dd-42b1-a50a-52aa3452a4ba">53</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Black 76</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ib728867b7f0a4640bd7f594c74ba1725_D20210101-20211231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzktMy0xLTEtMTI0MDYwMQ_54d37dcd-badd-4291-a570-9778ba687c23">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i5ee627a3cf3a4262aabeee8a3de3bc70_D20210101-20211231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzktNC0xLTEtMTUxODI1OA_8971be1f-1ad8-4f78-8626-714ec1c3e664">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i87874e88f9b744008150065e78604751_D20210101-20211231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzktNS0xLTEtMTUxODI1OA_556df1a5-9546-4d90-ba14-49ea8b96f48b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity Derivatives</span></td><td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on equities, baskets of equity, funds</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ia843b699115240498bc3246ee73f6458_D20210101-20211231" decimals="2" sign="-" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzExLTMtMS0xLTEyNDA2MDE_6639ae4d-5c27-4543-93c5-0d5bba916c52">88</ix:nonFraction> %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifcc496d157be4d8199f3027f197c961b_D20210101-20211231" decimals="1" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzExLTQtMS0xLTEyNDA2MDE_cf4249b9-b563-4423-88a4-27dbd512a7d1">60</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i625e785d0b5946f7abaef18b8bc1d7d6_D20210101-20211231" decimals="2" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzExLTUtMS0xLTEyNDA2MDE_a0d832d8-b188-4dc5-af4b-7c9fcd8c6cd4">99</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ia843b699115240498bc3246ee73f6458_D20210101-20211231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzEyLTMtMS0xLTEyNDA2MDE_0997e3e6-2dfa-4522-b338-972ecca342a3">5.57</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ifcc496d157be4d8199f3027f197c961b_D20210101-20211231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzEyLTQtMS0xLTEyNDA2MDE_d356843b-34f9-4d4e-b364-b843f422dd3e">26.30</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i625e785d0b5946f7abaef18b8bc1d7d6_D20210101-20211231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzEyLTUtMS0xLTEyNDA2MDE_9870e7b8-8c8e-410c-a338-4ff9644fdbe1">62.00</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FX Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on FX underlyings</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i7d6b04048a094ad29dda5452570cbcc2_D20210101-20211231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzEzLTMtMS0xLTEyNDA2MDE_659a46a2-2dc3-4221-94c9-9f05082adb58">3.96</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i72990bd8b98743409df342ddc1ee8262_D20210101-20211231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzEzLTQtMS0xLTEyNDA2MDE_9049676c-30bf-4762-98b9-865134397245">9.71</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ia9f89562da6c419c8905a15afb376a25_D20210101-20211231" decimals="6" name="bbva:Volatility" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzEzLTUtMS0xLTEyNDA2MDE_6366afe0-bfd9-4c28-8d06-22c0cdd46c1f">16.34</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IR Derivatives</span></td><td colspan="3" rowspan="3" style="border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on IR underlyings</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Beta</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i15bdc64f17a9449eab6aedf2ba25ee0e_D20210101-20211231" decimals="4" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE0LTMtMS0xLTEyNDA2MDE_c84a2c61-3a38-4772-9e0d-95eeb4c52f81">0.25</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ieb8895f6fe24481da135b531ce906788_D20210101-20211231" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE0LTQtMS0xLTEyNDA2MDE_8a997f4e-2128-4359-87a9-fb2edc9043cf">2</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3aaa0863642d41c58d3120dc4a6f609b_D20210101-20211231" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE0LTUtMS0xLTEyNDA2MDE_5ef608e5-fe4a-4d27-97c1-229eaa1a5949">18</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation rate/credit</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i15bdc64f17a9449eab6aedf2ba25ee0e_D20210101-20211231" decimals="0" sign="-" name="bbva:CorrelationRateCredit" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE1LTMtMS0xLTEyNDA2MDE_133511c3-e004-4cce-b886-a780b0a62d0f">100</ix:nonFraction> %)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3aaa0863642d41c58d3120dc4a6f609b_D20210101-20211231" decimals="0" name="bbva:CorrelationRateCredit" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE1LTUtMS0xLTEyNDA2MDE_0e52e875-fc14-425d-ba81-03d4dcd754ae">100</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit default volatility</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i15bdc64f17a9449eab6aedf2ba25ee0e_D20210101-20211231" decimals="2" name="bbva:CreditDefaultVolatility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE2LTMtMS0xLTEyNDA2MDE_f4425ed5-07e0-450e-a71c-bb6eb94db588">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ieb8895f6fe24481da135b531ce906788_D20210101-20211231" decimals="2" name="bbva:CreditDefaultVolatility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE2LTQtMS0xLTEyNDA2MDE_306cb198-8a99-4fb9-af55-47f111764125">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i3aaa0863642d41c58d3120dc4a6f609b_D20210101-20211231" decimals="2" name="bbva:CreditDefaultVolatility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTpkZTcxMTBlMjE2NjU0Nzc0YmFhNzVjZWU2ODhiYWJmOC90YWJsZXJhbmdlOmRlNzExMGUyMTY2NTQ3NzRiYWE3NWNlZTY4OGJhYmY4XzE2LTUtMS0xLTEyNDA2MDE_daccd17b-cdeb-42a6-bae7-1960b6bdb02a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Due to the diversity of valuation models of equity valuations, we would not include all the unobservable inputs or the quantitative ranges of them. </span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:232%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-103</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i04af9e17dabc4e8dab9926e19c66436a" continuedAt="i1f2abe8a4cde4e48ad45f6c650969a72"><ix:continuation id="ibffbbd7076cf4a7bbd3fced6bb656882"><div style="margin-bottom:2pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:20.967%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.622%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.162%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#e9e9e9;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unobservable inputs. December 2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial instrument</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation technique(s)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant unobservable inputs</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Min</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Max</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Units</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id801acb8b60d4b119b2771c6f2133716_D20200101-20201231" decimals="0" name="bbva:CreditSpread" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzItMy0xLTEtMTI0MDYwMQ_91b2e7f2-3aca-426f-b7fc-7c45c2b68d95">4</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibcfb2488c92f4434bd1758ada4f2052c_D20200101-20201231" decimals="0" name="bbva:CreditSpread" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzItNC0xLTEtMTI0MDYwMQ_749a41ac-5cac-489b-ad05-df8636065567">47</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaa1af2d8a082470c9bbc8f02f2c79364_D20200101-20201231" decimals="0" name="bbva:CreditSpread" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzItNS0xLTEtMTI0MDYwMQ_72e9eb0e-2b21-4628-af15-e65f8549d611">564</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">bp</span></td></tr><tr style="height:13pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recovery rate</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id801acb8b60d4b119b2771c6f2133716_D20200101-20201231" decimals="4" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzMtMy0xLTEtMTI0MDYwMQ_5302b19a-155a-40c1-bdda-a50d61467b56">0</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibcfb2488c92f4434bd1758ada4f2052c_D20200101-20201231" decimals="2" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzMtNC0xLTEtMTI0MDYwMQ_17937b4a-2a8e-49be-8365-8b0494c07536">37</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaa1af2d8a082470c9bbc8f02f2c79364_D20200101-20201231" decimals="4" name="bbva:RecoveryRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzMtNS0xLTEtMTI0MDYwMQ_3894ebe4-1fa4-476c-b58a-0a6dbaab9a6b">40</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i51df21d1bd19404c9745038278f437db_D20200101-20201231" decimals="4" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzQtMy0xLTEtMTI0MDYwMQ_cd05fb2a-e9b4-43d0-88f1-3d158503041f">0.1</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i41a0eda6e7a440e1bdb2bb783ead8a3e_D20200101-20201231" decimals="4" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzQtNC0xLTEtMTI0MDYwMQ_b883829a-6068-41fe-9602-6334cb535e1c">100</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i017aa79e77a04bf182e7179c13de5aab_D20200101-20201231" decimals="4" name="bbva:ComparablePricesInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzQtNS0xLTEtMTI0MDYwMQ_a92548c3-0008-44e8-b436-857052cf5a6f">144</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity/Fund instruments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net asset value</span></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repo funding curve</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i0991248682a44290836be2b6a77a58b9_D20200101-20201231" decimals="4" sign="-" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzctMy0xLTEtMTI0MDYwMQ_14ac7bab-2c5e-448a-9f4c-bfec19aa1494">1.18</ix:nonFraction> %)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i976edb5e4b8d4d07b5bbc0de3967f3ab_D20200101-20201231" decimals="4" sign="-" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzctNC0xLTEtMTI0MDYwMQ_1ee26bfe-78b4-490b-8176-929d8f7c208a">0.25</ix:nonFraction> %)</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ibe6a26426cce4632aaf509a3718d4a7f_D20200101-20201231" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzctNS0xLTEtMTI0MDYwMQ_65b20a9b-d93f-4e27-b507-a291c029667d">0.74</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Abs Repo rate</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gaussian Copula</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation default</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iab1c9d6de1794201bbf1434de35204e0_D20200101-20201231" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzgtMy0xLTEtMTI0MDYwMQ_856d49da-c442-4eaf-be34-f1fd450319be">30</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iec4f451d963d42ab894714f595aa722e_D20200101-20201231" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzgtNC0xLTEtMTI0MDYwMQ_c30cfae9-2e15-4b4c-a4b6-1c47f914eab3">45</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i5bc46f062869405da9f801df4ff33e8c_D20200101-20201231" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzgtNS0xLTEtMTI0MDYwMQ_3912edb8-0f83-41db-9722-4a49c6907303">61</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Black 76</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ib1717992ae9e47af8fa318e9d27353f3_D20200101-20201231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzktMy0xLTEtMTI0MDYwMQ_375644ac-523f-45c8-b1b5-25825acce073">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i23e32eb2f30d4351a6311aa0a526ba9f_D20200101-20201231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzktNC0xLTEtMTUxODM0Ng_29c2b6cf-a959-4bae-b947-2c6200310b20">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i87e0c6371c87424a94a46445c81f7387_D20200101-20201231" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzktNS0xLTEtMTUxODM0Ng_a1210ac1-b644-46b1-ad93-e51a02bb0307">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity OTC option</span></td><td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on equities, baskets of equity, funds</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="ie7c7968923cc484f943bea2fdee23542_D20200101-20201231" decimals="2" sign="-" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzExLTMtMS0xLTEyNDA2MDE_04b0a83c-91e4-44ba-8de0-3d4bcd5b22b7">77</ix:nonFraction> %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92bd9b6fad70423393b9d317b0d159ab_D20200101-20201231" decimals="2" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzExLTQtMS0xLTEyNDA2MDE_416752d6-8acd-4696-874d-ad570676a29f">51</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ifdca546d11ae4cdd9e07a3574d931b7f_D20200101-20201231" decimals="2" name="bbva:Correlations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzExLTUtMS0xLTEyNDA2MDE_f4847039-257b-4972-b454-5db252f6f7c9">98</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ie7c7968923cc484f943bea2fdee23542_D20200101-20201231" decimals="2" name="bbva:Volatility" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzEyLTMtMS0xLTEyNDA2MDE_ed28ed49-cf00-4536-a2af-4bdeda371824">6.52</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i92bd9b6fad70423393b9d317b0d159ab_D20200101-20201231" decimals="2" name="bbva:Volatility" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzEyLTQtMS0xLTEyNDA2MDE_4bdd04f3-bcf6-4ca3-b7bc-b3681d1b8378">29.90</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="ifdca546d11ae4cdd9e07a3574d931b7f_D20200101-20201231" decimals="2" name="bbva:Volatility" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzEyLTUtMS0xLTEyNDA2MDE_2465a989-1672-4ead-804b-0d7c15198384">141.77</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FX derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on FX underlyings</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i8b30b9c583384a47baa4b3e1ad0b23d7_D20200101-20201231" decimals="2" name="bbva:Volatility" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzEzLTMtMS0xLTEyNDA2MDE_b0b1a4b5-9bad-4541-96b0-227e552da502">4.11</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="icbbe5ee399234082ae19d174efd25afd_D20200101-20201231" decimals="2" name="bbva:Volatility" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzEzLTQtMS0xLTEyNDA2MDE_3cbad0cf-78b4-4340-9009-69ecc0a64b5a">10.00</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i58369aab38044bce91f65d65533f875c_D20200101-20201231" decimals="2" name="bbva:Volatility" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzEzLTUtMS0xLTEyNDA2MDE_3ae55c47-7ecf-4363-88f8-1fd03cfdfe9e">16.14</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr><tr style="height:22pt"><td colspan="3" rowspan="3" style="border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IR derivatives</span></td><td colspan="3" rowspan="3" style="border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option models on IR underlyings</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Beta</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1fe0f3e5e79c47c4bef66e584dc85aca_D20200101-20201231" decimals="4" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE0LTMtMS0xLTEyNDA2MDE_5d81165c-5b7f-404b-84b0-5a448a6845f9">0.25</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if05047d6774547af823647f2049f79de_D20200101-20201231" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE0LTQtMS0xLTEyNDA2MDE_4b64e9df-ac64-499b-b897-c9e86464cf11">2</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3ac9f24b41db46a49dfd9401d25a3e07_D20200101-20201231" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE0LTUtMS0xLTEyNDA2MDE_22bea3f2-f70a-49be-a6f7-a8da616f862f">18</ix:nonFraction> %</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation rate/Credit</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i1fe0f3e5e79c47c4bef66e584dc85aca_D20200101-20201231" decimals="0" sign="-" name="bbva:CorrelationRateCredit" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE1LTMtMS0xLTEyNDA2MDE_f208e93e-4113-4aca-92b3-bfaf553c1780">100</ix:nonFraction> %)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3ac9f24b41db46a49dfd9401d25a3e07_D20200101-20201231" decimals="0" name="bbva:CorrelationRateCredit" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE1LTUtMS0xLTEyNDA2MDE_e48f8a1d-1560-48bd-98c4-9117659dc982">100</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr style="height:21pt"><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit default Volatility</span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i1fe0f3e5e79c47c4bef66e584dc85aca_D20200101-20201231" decimals="2" name="bbva:CreditDefaultVolatility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE2LTMtMS0xLTEyNDA2MDE_a37a8a3f-88aa-4c54-9640-71a6cab970f2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="if05047d6774547af823647f2049f79de_D20200101-20201231" decimals="2" name="bbva:CreditDefaultVolatility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE2LTQtMS0xLTEyNDA2MDE_29e6bc62-7b9c-456e-8c47-35495b613e3d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="vegas" contextRef="i3ac9f24b41db46a49dfd9401d25a3e07_D20200101-20201231" decimals="2" name="bbva:CreditDefaultVolatility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83MzYvZnJhZzphMWQ3Yzc0ODdlZjc0YWU1YTY2Y2ViODcwOWIyODc0Yy90YWJsZTo1ZmQ5MjE5YjlkODA0YzE1OWNiNTk3OGYxOTliYWFhMy90YWJsZXJhbmdlOjVmZDkyMTliOWQ4MDRjMTU5Y2I1OTc4ZjE5OWJhYWEzXzE2LTUtMS0xLTEyNDA2MDE_265aed8e-1cf1-4908-845c-d4174e82ca42">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vegas</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Due to the diversity of valuation models of equity valuations, we would not include all the unobservable inputs or the quantitative ranges of them. </span></div><div style="margin-bottom:10pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_739"></div><ix:continuation id="i1f2abe8a4cde4e48ad45f6c650969a72" continuedAt="ia9cbf378e0f74ba583d2d76cbc5660cc"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Adjustments to the valuation </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Under IFRS 13, the entity must estimate the value taking into account the assumptions and conditions that market participants would have when setting the price of the asset or liability on the valuation date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to comply with the fair value requirements, the entity applies adjustments to the fair valuation considering inherent and counterparties&#180; default criteria, funding valuation risk and valuation risks due to valuation uncertainty and related to the prudent valuation criteria. The above is aligned with the regulatory requirements (EBA CRR 105.10) and considers the model risk, liquidity risk (Bid / Offer) and price uncertainty risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:133%">Adjustments to the valuation for risk of default</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fair value of liabilities should reflect the entity's default risk, which includes, among other components, its own credit risk. Taking this into account, the Group makes valuation adjustments for credit risk in the estimates of the fair value of its assets and liabilities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These adjustments are calculated by estimating Exposure At Default, Probability of Default and Loss Given Default, which are based on the recovery levels for all derivative products on any instrument, deposits and repos at the legal entity level (all counterparties under a same master agreement), in which BBVA has exposure.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Credit Valuation Adjustment (hereinafter &#8220;CVA&#8221;) and Debit Valuation Adjustments (hereinafter &#8220;DVA&#8221;) are included in the valuation of derivatives, both assets and liabilities, to reflect the impact on the fair value of the counterparty credit risk and its own, respectively. The Group incorporates in its valuation, for all exposures classified in any of the categories valued at fair value, both the counterparty credit risk and its own. In the trading portfolio, and in the specific case of derivatives, credit risk is recognized through such adjustments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a general rule, the calculation of CVA is the sum of the expected positive exposure in time t, the probability of default between t-1 and t, and the Loss Given Default of the counterparty. Consequently, the DVA is calculated as the sum of the expected negative exposure in time t, the probability of default of BBVA between t-1 and t, and the Loss Given Default of BBVA. Both calculations are performed throughout the entire period of potential exposure.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The calculation of the expected positive and negative exposure is done through a Montecarlo simulation of the market variables involved in all trades&#8217; valuation under the same legal netting set. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The information needed to calculate the probability of default and the loss given default of a counterparty comes from the credit markets. The counterparty&#8217;s Credit Default Swaps are used if liquid quotes are available. If a market price is not available, BBVA has implemented a mapping process based on the sector, rating and geography of the counterparty to assign probabilities of default and loss given default calibrated directly to market.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">An additional adjustment for Own Credit Adjustment (OCA) is applied to the instruments accounted for by applying the Fair Value Option permitted by IFRS 9. The related amounts recognized in the consolidated balance sheet as of December 31, 2022, related to OCA were &#8364;333 million.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-104</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia9cbf378e0f74ba583d2d76cbc5660cc" continuedAt="id9fe487973e8471d95a576302266b678"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts recognized in the consolidated balance sheets as of December 31, 2022, 2021 and 2020 related to the valuation adjustments incorporated to the credit assessment derivative assets amounted to &#8364;-158 million &#8364;-121 million and &#8364;-142 million, respectively as Credit Valuation Adjustments (CVA), and amounted to &#8364;135 million, &#8364;104 million and &#8364;124 million, respectively as Debit Valuation Adjustment (DVA). The impact recorded under &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221; in the consolidated income statement for the year ended December 31, 2022 and 2021 corresponding to the mentioned adjustments was a net impact of &#8364;0 million, and for the year ended 2020 was a loss of &#8364;-29 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:133%">Valuation adjustments for financing risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fair value of the positions recorded at fair value must reflect the entity's financing risk. Taking into account the above, the Group makes adjustments for financing risk valuation (Funding Valuation Adjustment FVA) in the estimates of the fair value of its assets and liabilities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The adjustment to the valuation for financing risk incorporates the cost of financing implicit in the valuation of positions at fair value. This adjustment reflects the cost of funding for non-collateralized or partially collateralized operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, as of December 31, 2022, 2021 and 2020, &#8364;-16 million, &#8364;-11 million and &#8364;-9 million related to the FVA were recognized in the consolidated balance sheet, being the impact on results &#8364;-7 million, &#8364;-1 million and &#8364;-1 million, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:133%">Valuation adjustments for valuation uncertainty</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fair value of the positions recorded at fair value must reflect the valuation risk derived from the uncertainty in the valuation for concepts of pure uncertainty of prices, liquidity risk and model risks. This adjustment is aligned with the regulatory requirements for prudent valuation via valuation adjustments with an impact on CET1, and meets the requirements of EBA CRR 105.10 for this purpose.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The adjustment to the valuation for liquidity incorporates an adjustment for Bid / Offer spreads in the valuation of positions that do not meet the necessary conditions to be considered a Market Maker operation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The adjustment to the valuation for model risk captures the uncertainty in the price associated with the products valued with the use of a valuation model ("Mark to Model") given the existence of more than one possible model applicable to the valuation of the product or the calibration of its parameters from the observations of inputs in the market.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The adjustment to the valuation for price uncertainty includes the uncertainty associated with the dispersion in the values observed in the market for the prices taken in the valuation of assets or as inputs in the valuation models.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The impact recorded under &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221; in the consolidated income statement for the year ended December 31, 2022 corresponding to the mentioned adjustments was a net impact of &#8364;-43 million. An adjustment was also made as of December 31, 2022 on financial assets at fair value through other comprehensive income for a total of &#8364;-19 million. </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_742"></div><ix:continuation id="id9fe487973e8471d95a576302266b678" continuedAt="i6f4b490f3ca241dca804db238701da79"><div style="margin-bottom:8pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Financial assets and liabilities classified as level 3</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90ZXh0cmVnaW9uOjFmZDFhYWMzN2MwNTRlMGQ5Yzk4NjAyNzJhMmZhYzJhXzY2Mg_55f6f47c-38d8-4de1-8be2-f6ddf6e5f523" escape="true"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in the balance of level 3 financial assets and liabilities included in the consolidated balance sheets are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:45.279%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.841%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets level 3: Changes in the year (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id813e30e71104b609fb69f73ddabcf9e_I20211231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzMtMS0xLTEtMTIxMzU3OQ_96473d1c-9ce6-464d-b265-4e3a58e5c026">5,301</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37a076aced5548ccb0dd89d07a9fc92e_I20211231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzMtMi0xLTEtMTIxMzU3OQ_35a77153-3e89-4375-86a6-554f5dc4d09a">2,054</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0705fafb7a648feb634065c9b907402_I20201231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzMtMy0xLTEtMTIxMzU3OQ_d3807b2d-f083-4216-9ab3-b702b74be519">2,984</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51ac9d7fe22d42e1a3fae46556ac625c_I20201231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzMtNC0xLTEtMTIxMzU3OQ_874f90cc-08a7-463d-94c9-85eca3db1944">1,902</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5efe68b919142c499169edcbc87cd2e_I20191231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzMtNS0xLTEtMTIxMzU3OQ_ba33d3dd-0e13-44e1-a00c-f69ed84987be">3,316</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bf1c7d3d7df49ab9c8f97d1ff5823cf_I20191231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzMtNi0xLTEtMTIxMzU3OQ_ae004032-4d13-4706-b5b5-4f9bf38db798">2,103</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in fair value recognized in profit and loss</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0ab19774e3c4e29ab6091ac1ae428f3_D20220101-20221231" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzQtMS0xLTEtMTIxMzU3OQ_edd21129-cd72-4132-a08f-7064087a98fa">289</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i618acea180e34bfeb19ae6e293ce8f0d_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzQtMi0xLTEtMTIxMzU3OQ_eff94729-3c21-4303-953f-493e50116df6">131</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7cb4251094f41348c15cad91674b3ab_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzQtMy0xLTEtMTIxMzU3OQ_381298c9-372b-44bf-b812-9aff219fff33">338</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a64f2f3ca7d42728061c9d7ffdbcd4c_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzQtNC0xLTEtMTIxMzU3OQ_af74b840-9dbc-4151-ae30-db9505881372">143</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieed9b45e92fe47418af673992a3fbeb1_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzQtNS0xLTEtMTIxMzU3OQ_4032c552-892d-4e2e-b27c-6a79f55968fa">611</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if483152e4e5f4ac7a8ad8b4116f5f7aa_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzQtNi0xLTEtMTIxMzU3OQ_62194186-4419-4987-a52d-8dcba1758d45">296</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in fair value not recognized in profit and loss</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie0ab19774e3c4e29ab6091ac1ae428f3_D20220101-20221231" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzUtMS0xLTEtMTIxMzU3OQ_1abb7a64-ffe0-4b5d-a7ff-4f4649e2aca1">62</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i618acea180e34bfeb19ae6e293ce8f0d_D20220101-20221231" decimals="-6" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzUtMi0xLTEtMTIxMzU3OQ_31a54c4f-dcaa-474c-a840-07a8e0396980">14</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7cb4251094f41348c15cad91674b3ab_D20210101-20211231" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzUtMy0xLTEtMTIxMzU3OQ_631ae5ab-2f85-4462-b1a4-29c0b3555721">47</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2a64f2f3ca7d42728061c9d7ffdbcd4c_D20210101-20211231" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzUtNC0xLTEtMTIxMzU3OQ_38f93a1e-2dc0-4970-b811-f706dacd04ec">10</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieed9b45e92fe47418af673992a3fbeb1_D20200101-20201231" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzUtNS0xLTEtMTIxMzU3OQ_bbe0797e-c6f7-44d7-8329-d33f646439e1">89</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if483152e4e5f4ac7a8ad8b4116f5f7aa_D20200101-20201231" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzUtNi0xLTEtMTIxMzU3OQ_9a6bd7b2-de96-4287-aae2-beecd0e7af77">4</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisitions, disposals and liquidations </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie0ab19774e3c4e29ab6091ac1ae428f3_D20220101-20221231" decimals="-6" sign="-" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzYtMS0xLTEtMTIxMzU3OQ_65906aba-aff6-42d1-a364-5c6d14d9cafc">864</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i618acea180e34bfeb19ae6e293ce8f0d_D20220101-20221231" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzYtMi0xLTEtMTIxMzU3OQ_95935a6a-7b8e-4195-a4c8-65c05fc834d9">782</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7cb4251094f41348c15cad91674b3ab_D20210101-20211231" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzYtMy0xLTEtMTIxMzU3OQ_9be2e1fc-cb43-4dfb-b79b-f7838acc583b">2,531</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a64f2f3ca7d42728061c9d7ffdbcd4c_D20210101-20211231" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzYtNC0xLTEtMTIxMzU3OQ_1e9435b0-c621-4249-8f6b-6fc63676e0fb">156</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieed9b45e92fe47418af673992a3fbeb1_D20200101-20201231" decimals="-6" sign="-" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzYtNS0xLTEtMTIxMzU3OQ_df8fcf86-9b85-42cd-a7b3-f54f8b0bdb6d">725</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if483152e4e5f4ac7a8ad8b4116f5f7aa_D20200101-20201231" decimals="-6" sign="-" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzYtNi0xLTEtMTIxMzU3OQ_11a38439-182f-4ab4-b2fb-37f314b9df36">652</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers to level 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie0ab19774e3c4e29ab6091ac1ae428f3_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetTransfersToLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzctMS0xLTEtMTIxMzU3OQ_c5f81396-f83e-438b-86f6-937cf8431aba">750</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i618acea180e34bfeb19ae6e293ce8f0d_D20220101-20221231" decimals="-6" name="bbva:NetTransfersToLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzctMi0xLTEtMTIxMzU3OQ_ca1fa4aa-a8bb-4016-bfd1-8be942944fb8">74</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7cb4251094f41348c15cad91674b3ab_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetTransfersToLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzctMy0xLTEtMTIxMzU3OQ_12d576ce-e4e3-4222-98f0-841c4fd48204">436</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2a64f2f3ca7d42728061c9d7ffdbcd4c_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetTransfersToLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzctNC0xLTEtMTIxMzU3OQ_416edb79-f426-4343-a619-02f4ba20148b">80</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieed9b45e92fe47418af673992a3fbeb1_D20200101-20201231" decimals="-6" name="bbva:NetTransfersToLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzctNS0xLTEtMTIxMzU3OQ_49cf9494-d0c6-4acc-bcbe-579b7ce86737">549</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if483152e4e5f4ac7a8ad8b4116f5f7aa_D20200101-20201231" decimals="-6" name="bbva:NetTransfersToLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzctNi0xLTEtMTIxMzU3OQ_2556268a-b8b1-40a3-a2df-f2ed32bdeea9">199</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and others</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie0ab19774e3c4e29ab6091ac1ae428f3_D20220101-20221231" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzgtMS0xLTEtMTIxMzU3OQ_7cac7e07-e1eb-48dc-afff-585c63994144">64</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i618acea180e34bfeb19ae6e293ce8f0d_D20220101-20221231" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzgtMi0xLTEtMTIxMzU3OQ_89825540-4aea-4deb-86db-add99f2ab90b">50</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7cb4251094f41348c15cad91674b3ab_D20210101-20211231" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzgtMy0xLTEtMTIxMzU3OQ_80cb5e24-57be-444f-95a5-3f76cdef85d1">69</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2a64f2f3ca7d42728061c9d7ffdbcd4c_D20210101-20211231" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzgtNC0xLTEtMTIxMzU3OQ_a262a165-0cc3-44ed-9aa8-7a778568a00d">56</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieed9b45e92fe47418af673992a3fbeb1_D20200101-20201231" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzgtNS0xLTEtMTIxMzU3OQ_3203cfd2-420b-4710-b529-bb474121b2c6">160</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if483152e4e5f4ac7a8ad8b4116f5f7aa_D20200101-20201231" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzgtNi0xLTEtMTIxMzU3OQ_1b7eb505-ad1e-46ce-9965-5a03a2ecc5b0">35</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;Discontinued operations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0ab19774e3c4e29ab6091ac1ae428f3_D20220101-20221231" decimals="-6" name="bbva:DiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzktMS0xLTEtMTIxMzU3OQ_7c548731-3e02-4559-9558-b240248b5af4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i618acea180e34bfeb19ae6e293ce8f0d_D20220101-20221231" decimals="-6" name="bbva:DiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzktMi0xLTEtMTIxMzU3OQ_044fcc12-4f5d-432c-9346-da12cb121a86">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7cb4251094f41348c15cad91674b3ab_D20210101-20211231" decimals="-6" name="bbva:DiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzktMy0xLTEtMTIxMzU3OQ_21d8f3f5-56c0-4b5d-a0b1-ea933c475d1c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a64f2f3ca7d42728061c9d7ffdbcd4c_D20210101-20211231" decimals="-6" name="bbva:DiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzktNC0xLTEtMTIxMzU3OQ_8ed6fc32-2070-4561-9fef-419e1218118d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieed9b45e92fe47418af673992a3fbeb1_D20200101-20201231" decimals="-6" sign="-" name="bbva:DiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzktNS0xLTEtMTIxMzU3OQ_ca0bd350-c2bb-4a76-bdce-af5a14650a07">518</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if483152e4e5f4ac7a8ad8b4116f5f7aa_D20200101-20201231" decimals="-6" sign="-" name="bbva:DiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzktNi0xLTEtMTIxMzU3OQ_b54760a6-6d5a-4d92-bff0-c068623a07ae">5</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f27b22cba9b4fe1acfb4e52e47f1116_I20221231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzEwLTEtMS0xLTEyMTM1Nzk_691f34c5-8e53-433b-8e00-19c3eb203f07">3,850</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f7ddbae5b354ea6a17df55edf5ab947_I20221231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzEwLTItMS0xLTEyMTM1Nzk_9a9c0791-61fc-41b4-acc1-4974be5955d1">2,743</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id813e30e71104b609fb69f73ddabcf9e_I20211231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzEwLTMtMS0xLTEyMTM1Nzk_813583ee-cd25-4387-b01b-af408589b478">5,301</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37a076aced5548ccb0dd89d07a9fc92e_I20211231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzEwLTQtMS0xLTEyMTM1Nzk_a62e8622-7d9e-460c-9ccf-c46a2503e0f5">2,054</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0705fafb7a648feb634065c9b907402_I20201231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzEwLTUtMS0xLTEyMTM1Nzk_6edfbb44-2970-473c-8c26-b82bb5c893fe">2,984</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51ac9d7fe22d42e1a3fae46556ac625c_I20201231" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90YWJsZTpkMjM0YWU0ODE3OWE0OTlmOGRlN2YzYTQzZjdlMmExNi90YWJsZXJhbmdlOmQyMzRhZTQ4MTc5YTQ5OWY4ZGU3ZjNhNDNmN2UyYTE2XzEwLTYtMS0xLTEyMTM1Nzk_ba805a18-1099-40c7-8ab9-9ccff59a3deb">1,902</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90ZXh0cmVnaW9uOjFmZDFhYWMzN2MwNTRlMGQ5Yzk4NjAyNzJhMmZhYzJhXzU3MTc0NjA0NjQ2OTM0_2130662b-4325-43bd-9355-9b4265779f19" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2022, 2021 and 2020. Valuation adjustments are recorded under the heading &#8220;Gains (losses) on financial assets and liabilities (net)&#8221;.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90ZXh0cmVnaW9uOjFmZDFhYWMzN2MwNTRlMGQ5Yzk4NjAyNzJhMmZhYzJhXzU3MTc0NjA0NjQ3Mzg1_01d6e13b-e836-4036-b669-d6ed0c873f98" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Of which, in 2021, the assets roll forward is comprised of &#8364;2,742 million of acquisitions and &#8364;211 million of disposals. The liabilities roll forward is comprised of &#8364;213 million of acquisitions and &#8364;57 million of sales.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDIvZnJhZzoxZmQxYWFjMzdjMDU0ZTBkOWM5ODYwMjcyYTJmYWMyYS90ZXh0cmVnaW9uOjFmZDFhYWMzN2MwNTRlMGQ5Yzk4NjAyNzJhMmZhYzJhXzU3MTc0NjA0NjQ3NjQw_7ff50a0d-3228-4b29-9bec-8c550fae3b5f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3)The balance of 2020 corresponds mainly to the companies in the United States included in the USA Sale (see Notes 3 and 21).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In 2022, the net volume of exposures classified as level 3 has been reduced. This reduction is mainly concentrated in repurchase agreements positions, derived from the rotation of the portfolio towards positions with better observability in the equity market of the inputs applied at their fair value. Additionally, the reduction in the volume of level 3 exposures of repurchase agreement positions is mitigated by the increase in the volume of level 3 exposures in derivatives, for which there is worse observability in the market of the inputs applied in their fair value.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In 2021 there was an increase in the trading portfolio mainly due to the evolution of loans and advances and their corresponding funding with deposits. In line with this increase in the activity, and despite the improvement in the inputs used to value these assets in the market, there was an increase in the volume of exposures classified as level 3 which mainly corresponded to the temporary acquisitions of assets. </span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In 2020, there was a reduction in financial assets held for trading and financial liabilities held for trading classified as Level 2 in the fair value hierarchy for an amount of &#8364;1,918 million and a reduction in financial assets held for trading and financial liabilities held for trading classified as level 3 in the fair value hierarchy for an amount of &#8364;461 million euros.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-105</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i6f4b490f3ca241dca804db238701da79" continuedAt="if825234245e74fbbbea54d51d02fb960">For the years ended December 31, 2022, 2021 and 2020, the profit/loss on sales of financial instruments classified as level 3 recognized in the consolidated income statement was not material.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_745"></div><ix:continuation id="if825234245e74fbbbea54d51d02fb960" continuedAt="i44efce339a95488581b3e47b1994387b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Transfers among levels</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Global Valuation Area, in collaboration with the Group, has established the rules for an appropriate financial instruments held for trading classification according to the fair value hierarchy defined by IFRS.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On a monthly basis, any new assets added to the portfolio are classified, according to this criterion, by the subsidiaries. Then, there is a quarterly review of the portfolio in order to analyze the need for a change in classification of any of these assets.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TransferBetweenLevelsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90ZXh0cmVnaW9uOjNiNmY4ZDI3OGZiNDRjN2Q4YWVlZTAzOWVkODFkYTZmXzU3NzI0MzYwNDU4NDkw_53ae9407-6aa1-4441-9310-e8dade3f0f0f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial instruments transferred among the different levels of measurement for the years ended December 31, 2022, 2021 and 2020 are at the following amounts in the consolidated balance sheets as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.815%"><tr><td style="width:1.0%"></td><td style="width:31.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.507%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.183%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Transfers among levels. December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">From:</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">To:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1 </span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4c5bfe952414e1a8a24bb1ccedfe530_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzQtMi0xLTEtMTI0MDYyNg_d9bc5789-037b-4296-a245-ad67da1015c4">683</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4c5bfe952414e1a8a24bb1ccedfe530_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzQtMy0xLTEtMTI0MDYyNg_3538f50d-8d20-4fc9-95df-49b70c6cebe7">1</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7556babeca04b19971cfe8c178b8a19_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzQtNC0xLTEtMTI0MDYyNg_6cfd2481-698d-4feb-bf29-219831d83c23">1,909</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7556babeca04b19971cfe8c178b8a19_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzQtNS0xLTEtMTI0MDYyNg_e03e086f-ca59-4874-99ad-1cf57731033b">340</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5bef092330ff4ede9248f217bf81d5ff_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzQtNi0xLTEtMTI0MDYyNg_0e0bde62-ccaf-487b-bf14-0e52927bfce8">24</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5bef092330ff4ede9248f217bf81d5ff_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzQtNy0xLTEtMTI0MDYyNg_bf053934-0b58-427f-ad34-be769b6f9de6">911</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2eb6e45a46e4c7a8dbc3bb3aacbefea_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzUtMi0xLTEtMTI0MDYyNg_d9c5033b-910a-4f00-a466-a65de481772e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2eb6e45a46e4c7a8dbc3bb3aacbefea_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzUtMy0xLTEtMTI0MDYyNg_32420f11-134a-4145-a463-41d0ff0aa1f6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcd3add30f7e4cb8b364485440fed9a6_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzUtNC0xLTEtMTI0MDYyNg_6584cb07-c364-4959-b733-24d61482b13e">243</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcd3add30f7e4cb8b364485440fed9a6_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzUtNS0xLTEtMTI0MDYyNg_67ea841d-b202-4814-a189-f157aa781c11">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4039a19264a45b9b6bc913082373ada_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzUtNi0xLTEtMTI0MDYyNg_d04fb7a5-c1e6-4e7c-aa1f-8f6a44efbec3">53</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4039a19264a45b9b6bc913082373ada_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzUtNy0xLTEtMTI0MDYyNg_a5a2c757-760c-44a1-8da5-17a93299e0b8">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b52a310c8a848aa9270fbcf4925063e_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzYtMi0xLTEtMTI0MDYyNg_b3f854ab-ff6a-42ad-98e9-21e6d5ea86cf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b52a310c8a848aa9270fbcf4925063e_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzYtMy0xLTEtMTI0MDYyNg_90702e4f-9c84-4337-9c61-afe5be8e15ed">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e38ea9ffa484a31b1c750a585d8eaba_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzYtNC0xLTEtMTI0MDYyNg_becd555e-6d76-4335-903f-86fdd4f81982">123</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e38ea9ffa484a31b1c750a585d8eaba_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzYtNS0xLTEtMTI0MDYyNg_9bd61af7-e752-4a5e-b805-60b0f4418624">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6e1d0313eed497e89800474af4261d3_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzYtNi0xLTEtMTI0MDYyNg_381eb98d-a24c-4a31-89eb-98b2969e33c1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6e1d0313eed497e89800474af4261d3_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzYtNy0xLTEtMTI0MDYyNg_e02dfdc1-95d0-45e1-b1ef-da2e840e57bb">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1da7f356ab4e4ec4ae19d23f5688c200_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzctMi0xLTEtMTI0MDYyNg_8240424b-8ac8-4a8a-b904-a92beb1795fe">1,723</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1da7f356ab4e4ec4ae19d23f5688c200_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzctMy0xLTEtMTI0MDYyNg_20178d76-a8cf-4d20-9690-032f5d21e3b5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c1b1dc01b441c8acae0672f891e799_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzctNC0xLTEtMTI0MDYyNg_0b658600-8aba-4e81-a83e-13d462260c03">715</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c1b1dc01b441c8acae0672f891e799_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzctNS0xLTEtMTI0MDYyNg_91a1c46e-4ab3-4e67-8b17-7acf07f2b477">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24ce4bb750ab423cb249c4c294f54b09_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzctNi0xLTEtMTI0MDYyNg_e148f5c6-fe18-4528-9408-82aeec4e2467">18</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24ce4bb750ab423cb249c4c294f54b09_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzctNy0xLTEtMTI0MDYyNg_abcbb7f5-c967-4a2c-afa5-039b11d75e0c">83</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica9fdd62a5cb47ca97aebcd569a5dd9c_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzgtMi0xLTEtMTI0MDYyNg_8cfc4151-adda-4dda-926a-7789a02059d2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica9fdd62a5cb47ca97aebcd569a5dd9c_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzgtMy0xLTEtMTI0MDYyNg_e886d97d-e1b4-4053-a1a0-d97a98fa0bad">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f64407f233b4dfaa36a3c0fc4736304_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzgtNC0xLTEtMTI0MDYyNg_02c22ea3-295d-4fd7-b7de-bb12fdfbc688">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f64407f233b4dfaa36a3c0fc4736304_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzgtNS0xLTEtMTI0MDYyNg_9aaac399-fe97-4ec0-9d9c-170e49d2dcde">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5654c956fad44655a82f61f52008f337_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzgtNi0xLTEtMTI0MDYyNg_d1ef30dd-e1c3-42d9-9f4d-457727a05f2e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5654c956fad44655a82f61f52008f337_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzgtNy0xLTEtMTI0MDYyNg_dfa30afe-d548-4fd3-86ff-4c968cd4532e">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifba4c16a655946f790d6998df1b34ca3_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzktMi0xLTEtMTI0MDYyNg_8ee12318-f728-4ee1-8bf7-ca0664a77b9d">2,407</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifba4c16a655946f790d6998df1b34ca3_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzktMy0xLTEtMTI0MDYyNg_69e84aa7-f854-4faa-a58c-72667bc52e09">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92f272f2c2e548f08cf07d397c584a8b_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzktNC0xLTEtMTI0MDYyNg_3508959e-d3df-4162-a16c-fb968691a7f2">2,990</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92f272f2c2e548f08cf07d397c584a8b_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzktNS0xLTEtMTI0MDYyNg_16b4fa5e-e079-403c-838f-74348ae242ec">340</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad638da6f0d64817a34dea389931c553_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzktNi0xLTEtMTI0MDYyNg_b3acc6d7-7164-4dae-9069-91c80c36f031">95</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad638da6f0d64817a34dea389931c553_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzktNy0xLTEtMTI0MDYyNg_41feef04-5246-46b7-ab7d-d56687125bb8">996</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8502874815c49798ca7cd562a89672b_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzExLTQtMS0xLTEyNDA2MjY_5d8a1b98-3918-4aa4-a67a-50cd80701148">239</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia82c4d5b4af74ef489b10985b953b296_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzExLTUtMS0xLTEyNDA2MjY_1997848f-e61f-47fc-b95e-674cea374aec">141</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e09ddc1b73d47d68ffba4de8104d588_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzExLTctMS0xLTEyNDA2MjY_f5c89347-abe3-41bf-85a6-00a27c314672">258</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7019b3188fce4b25b6c55acbfbb40cad_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEyLTItMS0xLTEyNDA2MjY_01384ebd-a836-42ad-b9c6-c59fe2bc56c8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7019b3188fce4b25b6c55acbfbb40cad_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEyLTUtMS0xLTEyNDA2MjY_f7633766-cfb9-469e-a07e-48e84ff76a28">221</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48ac9cd86c3c4a1dafafc0906cdbc704_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEyLTYtMS0xLTEyNDA2MjY_0e1f4821-d78f-4bb8-baa6-8eae831d1ba3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48ac9cd86c3c4a1dafafc0906cdbc704_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEyLTctMS0xLTEyNDA2MjY_9b4747fd-18da-433e-81aa-4f091f8f6d9d">55</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8df2fb4379e642f7966c5e0457425f4b_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEzLTItMS0xLTEyNDA2MjY_be56f85e-85a9-4a23-b821-fcf8427447ef">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8df2fb4379e642f7966c5e0457425f4b_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEzLTMtMS0xLTEyNDA2MjY_bf4c0c77-0948-4b52-ba15-1bd75f0fdc37">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i897c9ddb880a41339306a8068fb3e687_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEzLTQtMS0xLTEyNDA2MjY_dddd31c5-6755-4381-b70c-c4e620b5ebbf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i897c9ddb880a41339306a8068fb3e687_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEzLTUtMS0xLTEyNDA2MjY_f8081a3d-3eb5-460b-897a-90a878fb1b35">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf08439915d6403ead9a68dc4b706163_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEzLTYtMS0xLTEyNDA2MjY_31ca5e61-e792-4a0d-bc01-a81bfb0c4f3f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf08439915d6403ead9a68dc4b706163_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzEzLTctMS0xLTEyNDA2MjY_8ef7fb85-3629-4062-9b82-0e5228309908">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bce47c7ca5e4d9f8ee3d6916bf6ec49_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzE0LTItMS0xLTEyNDA2MjY_aa8fdc9a-bd6f-424e-b977-67eaa99b472c">524</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bce47c7ca5e4d9f8ee3d6916bf6ec49_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzE0LTMtMS0xLTEyNDA2MjY_4fbd17f6-9855-4fc1-8748-92d0b36fa90c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc9a04cb184d4d458eb30daf9c8602fb_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzE0LTQtMS0xLTEyNDA2MjY_9258c064-a999-4536-b67a-e1bbaa8a1242">239</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc9a04cb184d4d458eb30daf9c8602fb_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzE0LTUtMS0xLTEyNDA2MjY_9d1aff4f-6c4d-44b5-a6d6-4e4778ced4a0">387</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ff697e572d14980aedbc9083a0b3e97_D20220101-20221231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzE0LTYtMS0xLTEyNDA2MjY_e1ba045e-192b-45a1-a33c-b5a6f17bb104">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ff697e572d14980aedbc9083a0b3e97_D20220101-20221231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTo4NzM3ZmJiODVkMjU0ZTY0YWRlZmUyZTE4MDdkNTc5Yi90YWJsZXJhbmdlOjg3MzdmYmI4NWQyNTRlNjRhZGVmZTJlMTgwN2Q1NzliXzE0LTctMS0xLTEyNDA2MjY_8ba87752-007d-455e-8fd6-c2de2533ac37">313</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:20.779%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.909%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.909%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.067%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Transfer among levels (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="18" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="18" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">From:</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">To:</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1 </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1 </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i60d81bdc285d45a59c8db55f680e99e3_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtMi0xLTEtMTI0MDYyNg_0651a8e8-e64e-47cb-b86f-0f7a869b73e2">924</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i60d81bdc285d45a59c8db55f680e99e3_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtMy0xLTEtMTI0MDYyNg_ad4b1d12-dd43-4854-abd6-2aeb4c1eb557">2</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73618eedeea2494798c7776d5a5b10f3_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtNC0xLTEtMTI0MDYyNg_bf1b0e60-c00e-4b9f-9782-b531e7c9c5de">35</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73618eedeea2494798c7776d5a5b10f3_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtNS0xLTEtMTI0MDYyNg_4729a640-5ae5-437e-8d28-bd7c64d72f65">184</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39925dbcd05a436a8b86ecfb81b9d39f_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtNi0xLTEtMTI0MDYyNg_b3a6de3d-b44e-49dd-923b-0fc67f4f40b7">10</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39925dbcd05a436a8b86ecfb81b9d39f_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtNy0xLTEtMTI0MDYyNg_e9e666a2-9f42-4b93-be2a-1e7a699a97e3">637</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90ee396d2d3b496698c0cbe5567cfb6b_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtOC0xLTEtMTI0MDYyNg_891aa8e5-0331-4b70-bcdc-dff5cf43ede1">1,460</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90ee396d2d3b496698c0cbe5567cfb6b_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtOS0xLTEtMTI0MDYyNg_fb7961dc-2880-4038-a3b0-9fd16fde2cf2">11</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63bec76613a847ca870079291424d188_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtMTAtMS0xLTEyNDA2MjY_439f7460-3293-434c-bd2f-8279e1990fdf">203</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63bec76613a847ca870079291424d188_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtMTEtMS0xLTEyNDA2MjY_e97a053f-43fc-4e8b-a980-ebb9805fbffc">548</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dac415bc80d4f418056669c51ee1e18_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzUtMTItMS0xLTEyNDA2MjY_dc5f0170-031f-4f0d-b8a6-d5529ea4eac7">4</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dac415bc80d4f418056669c51ee1e18_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzktMTAtMS0xLTEyNDA2MjY_a9727951-1cfc-41e0-a325-c4c2e2627ec4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic47e41626d4b45c7ba20e355dfad6066_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzktMTEtMS0xLTEyNDA2MjY_7fae74a7-2d2e-425b-9c66-651c78cc9b87">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6dd1bd09e65049ed8e83d229d1344be7_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzktMTItMS0xLTEyNDA2MjY_e8f60604-fc12-4438-a171-ec121f344d3a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6dd1bd09e65049ed8e83d229d1344be7_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzktMTMtMS0xLTEyNDA2MjY_627a5636-8cb0-4443-87bf-d686beccaa83">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66751032632a49b2a9c9fd4fb80fe024_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTItMS0xLTEyNDA2MjY_99489ce3-7b0f-4aeb-8b50-02212fd8446b">1,528</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66751032632a49b2a9c9fd4fb80fe024_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTMtMS0xLTEyNDA2MjY_f585bb21-45c7-4cf2-a57d-237427434370">19</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10996ab4fac64c76a53a824ab6b68a9a_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTQtMS0xLTEyNDA2MjY_62a4aef3-7638-4d5e-ad7c-33b037c124fc">542</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10996ab4fac64c76a53a824ab6b68a9a_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTUtMS0xLTEyNDA2MjY_05613051-af20-4460-ad97-31513558dc52">234</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8ee11ca45ba46168142879c556ddf99_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTYtMS0xLTEyNDA2MjY_16706c4c-da59-4b8a-bfd0-718b608884f7">24</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8ee11ca45ba46168142879c556ddf99_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTctMS0xLTEyNDA2MjY_8520e309-7973-47b0-92b0-7ca1fc3d8eab">665</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85ec501e67234039ae29486444004676_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTgtMS0xLTEyNDA2MjY_87456726-a701-4339-a480-7bbe4001d10a">2,096</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85ec501e67234039ae29486444004676_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTktMS0xLTEyNDA2MjY_40163c1a-be79-4980-98b3-b79f64bc2e05">22</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bc9ed678ea949a4bb8ad48bebebf72d_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTEwLTEtMS0xMjQwNjI2_82348007-3667-45f1-8d17-40f3a3ef3c95">342</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bc9ed678ea949a4bb8ad48bebebf72d_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTExLTEtMS0xMjQwNjI2_f5639f04-dfaa-455e-ac52-e397444c6ada">652</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id39098addaea4e88ab5f87779605cae3_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTEyLTEtMS0xMjQwNjI2_3e0e6488-04c4-48bb-999c-cfcbd1227356">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id39098addaea4e88ab5f87779605cae3_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEwLTEzLTEtMS0xMjQwNjI2_b13a4615-85ec-4da6-8b05-fe177986174c">121</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied345a4e30d0470a840f2f023ac4b654_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEyLTItMS0xLTEyNDA2MjY_4ec5ee29-fac2-4dbb-b223-6ef8c46f6030">562</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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contextRef="i75f936596efc4ec0897e072953b46fd3_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzEyLTQtMS0xLTEyNDA2MjY_63b7cb54-adfb-4456-a2b5-fc7360e4430f">24</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75f936596efc4ec0897e072953b46fd3_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE0LTktMS0xLTEyNDA2MjY_9dd963e9-6ac8-4894-89d0-5bcead6c61d7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1de4e5f053fc44fca2192b06c3dc65a6_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE0LTEwLTEtMS0xMjQwNjI2_d0750d64-dca4-40d2-a117-9878c07a1af6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1de4e5f053fc44fca2192b06c3dc65a6_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE0LTExLTEtMS0xMjQwNjI2_28a21141-5cea-4f58-ae8f-c112e73ec2ff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00087ff316554420a5eca3969e1b8c41_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE0LTEyLTEtMS0xMjQwNjI2_dad09f82-d594-4848-b6de-66f72f208597">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00087ff316554420a5eca3969e1b8c41_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE0LTEzLTEtMS0xMjQwNjI2_fec9ad6c-ec8f-4085-bbff-125724c1437c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6f8f800ff3f4eb99b3954af6953f03e_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTItMS0xLTEyNDA2MjY_02e91b1e-ecfd-4a59-a6ce-681412997880">562</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6f8f800ff3f4eb99b3954af6953f03e_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTMtMS0xLTEyNDA2MjY_561dad21-0d6e-4553-83a6-e15a3f3b7f62">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b5ca3782698451ebc63f820df253e36_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTQtMS0xLTEyNDA2MjY_5edfe7af-8e65-4751-a461-f246e83519eb">24</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b5ca3782698451ebc63f820df253e36_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTUtMS0xLTEyNDA2MjY_dcf62f39-6c78-443f-9349-265e52ca66cf">95</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b2865117b5c400596b1f520eb527ecf_D20210101-20211231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTYtMS0xLTEyNDA2MjY_f0878cb9-0650-4157-8323-e70e65e1597a">15</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b2865117b5c400596b1f520eb527ecf_D20210101-20211231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTctMS0xLTEyNDA2MjY_78890463-fadc-4fe3-bcfa-b3e9306c79fb">160</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39a2fd37ba24415a95e7b21cc417545d_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTgtMS0xLTEyNDA2MjY_9c51e1e7-39d4-4b61-ab7d-6ac3ca587b6c">8</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39a2fd37ba24415a95e7b21cc417545d_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTktMS0xLTEyNDA2MjY_034d7121-1242-4959-9b23-f0296aa74ace">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if830dfc425a044088397664073ab07e1_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTEwLTEtMS0xMjQwNjI2_f6f9411c-c862-4416-8d9a-964b0da411d8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if830dfc425a044088397664073ab07e1_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTExLTEtMS0xMjQwNjI2_69e036b0-b9c0-4eab-9b1b-0de60a554ae7">236</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f58a88aa8c74735ae0571c432d6c6b4_D20200101-20201231" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTEyLTEtMS0xMjQwNjI2_31417ae3-5204-43a2-909a-a07ed2b78a5b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f58a88aa8c74735ae0571c432d6c6b4_D20200101-20201231" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDUvZnJhZzozYjZmOGQyNzhmYjQ0YzdkOGFlZWUwMzllZDgxZGE2Zi90YWJsZTozZTY5ZTRmNGFiZmE0NjY3OGRiMDdlMzdjMGM4MWY2MC90YWJsZXJhbmdlOjNlNjllNGY0YWJmYTQ2Njc4ZGIwN2UzN2MwYzgxZjYwXzE1LTEzLTEtMS0xMjQwNjI2_71770810-8e7e-4fd5-85a4-429dac67ac81">40</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-106</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i44efce339a95488581b3e47b1994387b" continuedAt="i1996b5bf36744aec899bca078556a760">The amount of financial instruments that were transferred among levels of valuation during the year ended December 31, 2022 corresponds to the above changes in the classification among levels since such financial instruments modified some of their features. Specifically, transfers among Levels 1 and 2 occurred mainly in derivatives and debt securities. Transfers from Level 2 to Level 3 were mainly related to derivatives and deposits at fair value through profit or loss, and in relation to transfers from Level 3 to Level 2, this generally affected derivatives and loans and advances held for trading.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_748"></div><ix:continuation id="i1996b5bf36744aec899bca078556a760" continuedAt="ib57133e6b45544fea5ba4102c7cb5261"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Sensitivity analysis</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Sensitivity analysis is performed on financial instruments with significant unobservable inputs (financial instruments included in level 3), in order to obtain a reasonable range of possible alternative valuations. This analysis is carried out based on the criteria defined by the Global Valuation area in line with the official regulatory requirements for Prudent Valuation metrics, taking into account the nature of the methods used for the assessment and the reliability and availability of inputs and proxies used. In order to establish, with a sufficient degree of certainty, the valuation risk that is incurred in such assets without applying diversification criteria between them.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90ZXh0cmVnaW9uOjgyOGQ3OWU3NWJkNzQzYmFhMTgyMmFjNTFiNjRiOGM2XzE0_ea5ca355-ab17-4a80-a7be-a062c0017771" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the effect on profit for the year and total equity of changing the main unobservable inputs used for the measurement of level 3 financial instruments for other reasonably possible unobservable inputs, taking the highest (most favorable input) or lowest (least favorable input) value of the range deemed probable, would be as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:33.568%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.070%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial instruments level 3: sensitivity analysis (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Potential impact on consolidated<br/>&#160;income statement </span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Potential impact on<br/>other comprehensive income</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Most favorable hypothesis</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Least favorable hypothesis</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Most favorable hypothesis</span></td><td colspan="6" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Least favorable hypothesis</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzUtMi0xLTEtMTIwODU1NA_fb5c7356-c71f-4824-a901-b0417787b093">33</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib6bc8db2109447ae9b8edf994d269c25_I20221231" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzUtMy0xLTEtMTIwODU1NA_6af5fa67-1cf9-4f92-816d-3a23065e6900">33</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i186d24d3bd8f4eddb0f5615be0f0090b_I20211231" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzUtNC0xLTEtMTIwODU1NA_4cba28a6-2acf-41c1-b0f6-17fca64a576e">57</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c619f7a09724b95a5018a85b888b1ba_I20221231" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" 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contextRef="i0dd443b6130a498c832303956e2b7e5e_I20221231" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzEwLTEtMS0xLTEyMDg1NTQ_476804f9-edee-40c3-aec1-f8df1bda90a0">135</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c4be5e181d74e1785a351380344f6ec_I20211231" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzExLTItMS0xLTEyMDg1NTQ_cb8c88f2-77e6-441b-b01d-25b785ab2569">16</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9fe407b722764ce3ba545cfa71defd04_I20221231" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE1LTMtMS0xLTEyMDg1NTQ_86152590-342d-48be-ba35-81cb205df90d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i186d24d3bd8f4eddb0f5615be0f0090b_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE1LTQtMS0xLTEyMDg1NTQ_ca77816b-9853-40da-afba-3a8ef63a616f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c619f7a09724b95a5018a85b888b1ba_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE1LTUtMS0xLTEzNzA2Mzc_068ede8d-5f0f-4c4f-b085-4d3ad21f92d5">25</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59da5d0cfdc04efc8714826b7d772722_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE1LTYtMS0xLTEzNzA2Mzc_f6f0021e-32de-45d6-9455-7c2117d1e8d1">41</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iad65282e93db44d98f6b4edae9731ba3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE1LTctMS0xLTEzNzA2Mzc_d931a285-d507-4308-8f9d-531a53e7144a">25</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7538f007ed9646c8afd200cd3a727076_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE1LTgtMS0xLTEzNzA2Mzc_87071356-0884-4cc5-b2d9-a2e11e500f9a">43</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0dd443b6130a498c832303956e2b7e5e_I20221231" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTEtMS0xLTEyMDg1NTQ_5b468bcc-1b5e-4cf4-b40e-bf66b2cbe3b1">168</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c4be5e181d74e1785a351380344f6ec_I20211231" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTItMS0xLTEyMDg1NTQ_b20d4eef-e1c3-465c-aee5-25d5be278561">68</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib6bc8db2109447ae9b8edf994d269c25_I20221231" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTMtMS0xLTEyMDg1NTQ_c78699a6-bffa-489c-b984-2c6997aeb0f7">169</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i186d24d3bd8f4eddb0f5615be0f0090b_I20211231" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTQtMS0xLTEyMDg1NTQ_c33465f9-f978-488c-939e-0a0765f6b3ae">93</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c619f7a09724b95a5018a85b888b1ba_I20221231" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTUtMS0xLTEzNzA2Mzc_03631d0b-5d01-492a-b00e-5767293978c8">25</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59da5d0cfdc04efc8714826b7d772722_I20211231" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTYtMS0xLTEzNzA2Mzc_69f34cf9-b95e-4376-bdc5-76e5b249c5a3">41</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iad65282e93db44d98f6b4edae9731ba3_I20221231" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTctMS0xLTEzNzA2Mzc_b1e1ce8c-44ce-49d3-b56d-11f6a95593c0">25</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7538f007ed9646c8afd200cd3a727076_I20211231" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE2LTgtMS0xLTEzNzA2Mzc_c27bfa38-f57d-43b4-9990-dec3b7081c90">43</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0dd443b6130a498c832303956e2b7e5e_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTEtMS0xLTEyMDg1NTQ_166b6820-c2fc-479a-b3da-092c3855bd25">7</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c4be5e181d74e1785a351380344f6ec_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTItMS0xLTEyMDg1NTQ_66d3943f-1073-4828-85b2-7964cdd7ad99">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib6bc8db2109447ae9b8edf994d269c25_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTMtMS0xLTEyMDg1NTQ_1b218e2b-2b4d-4088-b76f-f15b0f73f4a4">7</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i186d24d3bd8f4eddb0f5615be0f0090b_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTQtMS0xLTEyMDg1NTQ_e7656535-b5a1-4dd6-bb6d-04edcc986b64">3</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c619f7a09724b95a5018a85b888b1ba_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTUtMS0xLTEzNzA2Mzc_744ec96f-46f3-457c-9652-229c4893f684">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59da5d0cfdc04efc8714826b7d772722_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTYtMS0xLTEzNzA2Mzc_5fb1b621-5bfc-42c6-b1e1-e18207264199">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad65282e93db44d98f6b4edae9731ba3_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTctMS0xLTEzNzA2Mzc_da370923-4f89-4c56-a769-dca525076daa">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7538f007ed9646c8afd200cd3a727076_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE4LTgtMS0xLTEzNzA2Mzc_b01f3544-cade-4b0e-b449-b8e7f15f4ce5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0dd443b6130a498c832303956e2b7e5e_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTEtMS0xLTEzNzA2Mzc_fef675ab-74a6-4cef-9954-bb9e1a75b68d">7</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c4be5e181d74e1785a351380344f6ec_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTItMS0xLTEzNzA2Mzc_8c51bda9-4a02-4470-b2bc-371f21061c49">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib6bc8db2109447ae9b8edf994d269c25_I20221231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTMtMS0xLTEzNzA2Mzc_381793bd-e086-4600-9af7-2eae1463cdfb">7</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i186d24d3bd8f4eddb0f5615be0f0090b_I20211231" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTQtMS0xLTEzNzA2Mzc_3070b7c2-3df6-469d-b884-047ecc56b786">3</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7c619f7a09724b95a5018a85b888b1ba_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTUtMS0xLTEzNzA2Mzc_4bf4cc09-c41f-4b17-bcf8-3908d18e019d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59da5d0cfdc04efc8714826b7d772722_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTYtMS0xLTEzNzA2Mzc_9f6160d8-a55c-4140-ad79-b1c30a3938d3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad65282e93db44d98f6b4edae9731ba3_I20221231" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTctMS0xLTEzNzA2Mzc_9c2ca057-b2ec-4c27-8428-546932dd8bd8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7538f007ed9646c8afd200cd3a727076_I20211231" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NDgvZnJhZzo4MjhkNzllNzViZDc0M2JhYTE4MjJhYzUxYjY0YjhjNi90YWJsZTphMTY2MDY4YzEwOWU0MjFjYjBmOGU4NmFmZDJhYjM2ZC90YWJsZXJhbmdlOmExNjYwNjhjMTA5ZTQyMWNiMGY4ZTg2YWZkMmFiMzZkXzE5LTgtMS0xLTEzNzA2Mzc_2aaf12c7-36f7-463c-9c7f-5527afad36d2">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_751"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">8.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"><ix:continuation id="ib57133e6b45544fea5ba4102c7cb5261" continuedAt="ib0be4a4d3d5849659c30977a0342f22e">Fair value of financial instruments carried at cost, by valuation criteria</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_754"></div><ix:continuation id="ib0be4a4d3d5849659c30977a0342f22e" continuedAt="i193b1caa4cf54bdcbedae4b3ff10f4f8"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The valuation technique used to calculate the fair value of financial assets and liabilities carried at cost are presented below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Cash, balances at central banks and other demand deposits / loans to central banks / short-term loans to credit institutions/ repurchase agreements: in general, their fair value approximates to their book value, due to the nature of the counterparty and because they are mainly short-term balances in which the book value is the most reasonable estimation of the value of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Loans to credit institutions which are not short-term and loans to customers: In general, the fair value of these financial assets is determined by the discount of expected future cash flows, using market interest rates at the time of valuation adjusted by the credit spread and taking all kind of behavioral hypothesis if it is considered to be relevant (prepayment fees, optionality, etc.).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Debt securities: Fair value estimated based on the available market price or by using internal valuation methodologies.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-107</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i193b1caa4cf54bdcbedae4b3ff10f4f8" continuedAt="i1810f2e8daac46e2ba9380840fc4eec5"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Deposits from central banks: for recurrent liquidity auctions and other monetary policy instruments of central banks / short-term deposits, from credit institutions / repurchase agreements / short term customer deposits: their book value is considered to be the best estimation of their fair value.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Deposits of credit institutions which are not short-term and term customer deposits: these deposits are valued by discounting future cash flows using the interest rate curve in effect at the time of the adjustment adjusted by the credit spread and incorporating any behavioral assumptions if this proves relevant (early repayments, optionalities, etc.).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Debt certificate (Issuances): The fair value estimation of these liabilities depends on the availability of market prices or by using the present value method: discount of future cash flows, using market interest rates at valuation time and taking into account the credit spread.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_757"></div><ix:continuation id="i1810f2e8daac46e2ba9380840fc4eec5" continuedAt="i0e43d6b084d94564b6828cbe988544ad"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90ZXh0cmVnaW9uOjUzNDRlOTlhMzliMzQ3Mzk5NjJmOTFiZmI4NjgzMzVjXzE5_b9d9f1d2-a8fa-4114-ac62-f70cca275a75" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table presents the fair value of key financial instruments carried at amortized cost in the consolidated balance sheets as of December 31, 2022, 2021 and 2020, broken down according to the method of valuation used for the estimation:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.562%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#e9e9e9;border-bottom:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value of financial instruments at amortized cost by Levels (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzQtMy0xLTEtNzE0Nzc0_7b11c8b3-2942-490b-8ade-567e878e60da">293</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie983f37e45274e2aa681aaf681e5edf9_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzQtNi0xLTEtNzE0Nzc0_19eb2873-eb0d-4885-8b1c-ed1cf9a0ec08">218</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8eedee1fd5954a199ef43361d3138505_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzQtOC0xLTEtNzE0Nzc0_74eb0aba-1669-4954-a824-7deb70b2e32c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i854737fb284649248bf6eaa768ff19a7_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzQtOS0xLTEtNzE0Nzc0_3758b587-b51c-4deb-abe1-210a43a8c5c3">165</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51c6053cdde845b48351f7dcd4fc81a3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtMS0xLTEtNzE0Nzc0_8e84712f-d9d9-4604-9812-74b1b94daabb">34,555</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94965458385b45d1b18a8c6253f2a181_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtMi0xLTEtNzE0Nzc0_8020454b-b78f-46da-9316-776dcd7fcf66">13,393</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18abc78efd7b404eaadd637d3f2b775c_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtMy0xLTEtNzE0Nzc0_4221c3e9-f7fd-46b3-ad23-cc2c7aa21a7c">371,112</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ab531c95eb74215bf89e46abb23e9ea_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtNC0xLTEtNzE0Nzc0_09b68854-a109-42fb-b654-5a1392ee5dbf">33,213</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c73d87ac92b41b2a6dcbd2f7036ff52_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtNS0xLTEtNzE0Nzc0_a402a1a2-a5d8-4878-b1da-5754151fc5dc">13,033</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f849298055b436daf824481b923a71a_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtNi0xLTEtNzE0Nzc0_bd5ba9b5-cd34-429f-ba90-e38966ec9032">331,205</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5ab19256c4d4af1b52d0609d9740ef0_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtNy0xLTEtNzE0Nzc0_def33832-fee7-4698-ab93-83d197ceb634">35,196</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6a293c380e0e4f9ab7f6aaa0d68b7305_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtOC0xLTEtNzE0Nzc0_424ae379-016c-498b-80f7-9f421b83f556">15,066</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6b84cfbd10a44038a6879da7eea7e02_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzUtOS0xLTEtNzE0Nzc0_b0b770a6-2f7b-4991-bb95-b0479345adde">324,005</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1e34313df1c45a6bc2ff667059ec3ee_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctMS0xLTEtNzE0Nzc0_2201a9f2-fd50-4947-8de1-777d75fb4d8e">77,112</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i884c4276e32746669b265ec7680f28d3_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctMi0xLTEtNzE0Nzc0_b243bce3-8f42-4381-b10f-f6383fb09e57">266,194</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia21c9d7303bf4ce6a0ef99a77fa06ade_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctMy0xLTEtNzE0Nzc0_5f2dd8c4-52b7-45a2-88c0-17217252be72">181,746</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i186861aa442e47e795940d7eddc8af08_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctNC0xLTEtNzE0Nzc0_2e01339a-8ce6-4ae9-8348-45e8ba854396">91,870</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20bbc612b0624523b12532e4c1e51bc2_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctNS0xLTEtNzE0Nzc0_f55de864-622e-4228-b0a3-d78a66975252">243,847</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibccdf779162049d08cbbbab54240e5bf_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctNi0xLTEtNzE0Nzc0_35e3b261-4146-46c8-b408-8986836e88c8">153,016</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e0507a666634f579df2239e630dd33e_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctNy0xLTEtNzE0Nzc0_ce7a96ea-2fe5-4cd9-8f52-3ac3e9ccd936">90,839</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e6f43fc94bb4f8f8387796b4a4fef50_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctOC0xLTEtNzE0Nzc0_31008d7c-c2b0-49ce-9105-bbcf2f3ccde0">255,278</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc13fc28fdf24e739a985db5fc1308f0_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NTcvZnJhZzo1MzQ0ZTk5YTM5YjM0NzM5OTYyZjkxYmZiODY4MzM1Yy90YWJsZTo5ZjAyYWVmNDVhZmY0ZDM0OTBkMTc2ZTc3ZmFlY2RmMC90YWJsZXJhbmdlOjlmMDJhZWY0NWFmZjRkMzQ5MGQxNzZlNzdmYWVjZGYwXzctOS0xLTEtNzE0Nzc0_732b7f4a-3c7c-480b-9ab5-a683f2694766">144,889</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_760"></div><ix:continuation id="i0e43d6b084d94564b6828cbe988544ad"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90ZXh0cmVnaW9uOjA5OTU1YjMxNmJmYzQxNzliMGMxNWNmMjIzNzllYTFjXzI0_0e9b3108-a8c9-42c7-bf82-986fa0740aaa" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main valuation techniques and inputs used to estimate the fair value of financial instruments accounted for at amortized cost and classified in levels 2 and 3 is shown below. These are broken down by type of financial instrument and the balances correspond to those as of December 31, 2022, 2021 and 2020:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:20.009%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.311%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair Value of financial Instruments at amortized cost by valuation technique (Millions of Euros)</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation technique(s)</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Main inputs used</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:23pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94965458385b45d1b18a8c6253f2a181_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtMS0xLTEtNzE0Nzc0_8020454b-b78f-46da-9316-776dcd7fcf66">13,393</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18abc78efd7b404eaadd637d3f2b775c_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtMi0xLTEtNzE0Nzc0_4221c3e9-f7fd-46b3-ad23-cc2c7aa21a7c">371,112</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c73d87ac92b41b2a6dcbd2f7036ff52_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtMy0xLTEtNzE0Nzc0_a402a1a2-a5d8-4878-b1da-5754151fc5dc">13,033</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f849298055b436daf824481b923a71a_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtNC0xLTEtNzE0Nzc0_bd5ba9b5-cd34-429f-ba90-e38966ec9032">331,205</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6a293c380e0e4f9ab7f6aaa0d68b7305_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtNS0xLTEtNzE0Nzc0_424ae379-016c-498b-80f7-9f421b83f556">15,066</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6b84cfbd10a44038a6879da7eea7e02_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtNi0xLTEtNzE0Nzc0_b0b770a6-2f7b-4991-bb95-b0479345adde">324,005</ix:nonFraction></span></td><td colspan="3" rowspan="5" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i2799ce008b3e43bc92bf1ef0b594c56e_D20220101-20221231" name="bbva:FinancialInstrumentsValuationMethods" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzQtNy0xLTEtNzE0Nzc0_4718e729-7077-4155-b9e4-cd4a3f1c7d46">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr style="height:32pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fedae8828d145bfb33b8117935ef47e_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtMS0xLTEtNzE0Nzc0_5efa19dc-bbf6-4f4a-9e7f-dc4feb196ab4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76552f4533a844cb84b86b942ff8b4bc_I20221231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtMi0xLTEtNzE0Nzc0_aaafdc40-ed57-4427-b2c3-5c99bca38601">142</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdc92471266e4b5cbf209e9169c860c7_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtMy0xLTEtNzE0Nzc0_ebe3dbf2-bffb-4b78-a894-c12581611eac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4601bbb9277d40848e28f01e413566e3_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtNC0xLTEtNzE0Nzc0_47aa3255-ca91-488b-8951-77f3493a9804">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1b7dd15d3834e8d94bb4dae127cc433_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtNS0xLTEtNzE0Nzc0_ab13ee2f-1ab5-4e81-b554-8fb5bf111021">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia74b4a33f34249b783fa4010444f07ec_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtNi0xLTEtNzE0Nzc0_030f0ea9-14ba-4a0a-9a9c-932876605529">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i522ce7de3819439b9938ad22c8bf9815_D20220101-20221231" name="bbva:MainInputsUsed" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzUtOC0xLTEtNzE0Nzc0_e7ed8095-5681-4fd7-ab26-5affcb3a5d4c">- Credit spread<br/>- Prepayment rates<br/>- Interest rate yield</ix:nonNumeric></span></td></tr><tr style="height:32pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1fad1a97bba44798a9532b9a5dafe796_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtMS0xLTEtNzE0Nzc0_e2088ae0-9732-4439-ba7a-75998619001f">1,289</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2892a6fe1814ca683700d432b84100b_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtMi0xLTEtNzE0Nzc0_13175630-491f-4bfa-ab2d-77323fd4c130">14,711</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f5701f2221d4f00b583119c8468dd06_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtMy0xLTEtNzE0Nzc0_22abb8ee-e2fd-431f-859d-2c4e8b6b6895">863</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2af68b2cb58e4ddeb48643917d65cba7_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtNC0xLTEtNzE0Nzc0_9fdaa349-bb22-4e08-a2e3-0384d0ab404a">12,329</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia944e010a871409499f29e4e0592cf6a_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtNS0xLTEtNzE0Nzc0_10a2218e-d4f7-49d0-b605-5e584c0bd825">1,883</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if47cb3e0eae54eed8d5c2941d21df46d_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtNi0xLTEtNzE0Nzc0_a5918b72-72c3-4647-9b40-5bd5feb3bad8">12,641</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i221f8adb22ff4ba48c2b7019fc3c1adc_D20220101-20221231" name="bbva:MainInputsUsed" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzYtOC0xLTEtNzE0Nzc0_3a9e0a1a-5ea4-4a47-aab7-07bec0761ce7">- Credit spread<br/>- Prepayment rates<br/>- Interest rate yield</ix:nonNumeric></span></td></tr><tr style="height:32pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fe1778a742f471eb8b5fe4af61be045_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctMS0xLTEtNzE0Nzc0_c37c8251-0009-48ad-b2b5-8cd6768c6294">1,571</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic937414081a54534837c48d9b45c1109_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctMi0xLTEtNzE0Nzc0_e8812344-6098-4137-94b8-7d05bfb919a4">355,247</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26167f85531f4398b7d76bd64b84941a_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctMy0xLTEtNzE0Nzc0_7e01ab98-6f0c-45d8-a71e-00ba0833180c">3,416</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idde326e8d0874ee3b3275d5b3320ee14_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctNC0xLTEtNzE0Nzc0_b33de3b5-302e-4ae6-9eb2-8ca52fb46ccd">318,059</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifda7b777128a4413b42476d48cc7fcb2_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctNS0xLTEtNzE0Nzc0_4b09a16c-5b44-4edd-946d-7e0e4cd04d80">3,904</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4beb7902aaf64a6c823f2a51b7dfa909_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctNi0xLTEtNzE0Nzc0_7bc5b222-0dd9-4c24-8de7-60efceaf86b5">310,924</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i826d6bfd6dbb4ab7891c28e08b604e9f_D20220101-20221231" name="bbva:MainInputsUsed" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzctOC0xLTEtNzE0Nzc0_ab3a845c-0fb9-4dfe-9610-75886767d81e">- Credit spread<br/>- Prepayment rates<br/>- Interest rate yield</ix:nonNumeric></span></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i027642ab451b48ebb4c3e02444c8cfbc_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtMS0xLTEtNzE0Nzc0_6978f393-1bfd-418b-849a-a36e08564750">10,533</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if15a45e0f4f841e89602f4f9e453e9b4_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtMi0xLTEtNzE0Nzc0_75da06dd-1d3d-4642-81bd-664a795fe8a1">1,012</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idec536781a71434c890c542508c0d23c_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtMy0xLTEtNzE0Nzc0_9455504d-f813-4609-a0df-1ee495b7ed92">8,755</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0efdfd3fda84bf3b52443239e801972_I20211231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtNC0xLTEtNzE0Nzc0_db84a581-3009-46af-840e-74d13b85cc8e">817</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if006196e850d419895b862c5215c390b_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtNS0xLTEtNzE0Nzc0_db4f5c74-6530-433b-ac0f-44dc4e8f4926">9,279</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia75df15f38eb42f3a83a3055401529dc_I20201231" decimals="-6" name="ifrs-full:Assets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtNi0xLTEtNzE0Nzc0_dc73a7a4-9b2a-462c-af90-591b2bf9145a">440</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i145fa524d8fe4fe788508ed23e567084_D20220101-20221231" name="bbva:MainInputsUsed" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzgtOC0xLTEtNzE0Nzc0_341ee902-23b4-4ab2-ad59-5d4798479159">- Credit spread<br/>- Interest rate yield</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities at amortized cost </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae09fc15735446db9c41a83c8e3d5a45_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEwLTEtMS0xLTcxNDc3NA_62e7eaa0-3c12-427a-b60b-fc7acb6d6476">266,194</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f256ddd24774b4f985659bc7d3a8dc9_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEwLTItMS0xLTcxNDc3NA_27a48d04-18b1-44dd-9d00-01458aa5f9b7">181,746</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20bbc612b0624523b12532e4c1e51bc2_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEwLTMtMS0xLTcxNDc3NA_f55de864-622e-4228-b0a3-d78a66975252">243,847</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibccdf779162049d08cbbbab54240e5bf_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEwLTQtMS0xLTcxNDc3NA_35e3b261-4146-46c8-b408-8986836e88c8">153,016</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e6f43fc94bb4f8f8387796b4a4fef50_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEwLTUtMS0xLTcxNDc3NA_31008d7c-c2b0-49ce-9105-bbcf2f3ccde0">255,278</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc13fc28fdf24e739a985db5fc1308f0_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEwLTYtMS0xLTcxNDc3NA_732b7f4a-3c7c-480b-9ab5-a683f2694766">144,889</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e9707cc721448caa1611d3cb5f67074_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTEtMS0xLTcxNDc3NA_388afc15-9de6-4bdd-8ec6-30830c3e5b15">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0205ba1269834f87b8fa87ed58630e0b_I20221231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTItMS0xLTcxNDc3NA_cdcaf61e-189a-4218-b29c-139e4a2f52c1">300</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id066cae21a894348a4a0bc1a3b6e376d_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTMtMS0xLTcxNDc3NA_5f6379f3-72f5-45d6-8cb9-db7477a5a471">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79481890b5fe4bbaa342dab258e14ba0_I20211231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTQtMS0xLTcxNDc3NA_c802620c-1617-45e5-96f3-476f955c0b40">300</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b6d92676e8f432593007effb9fd1635_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTUtMS0xLTcxNDc3NA_4d3ad293-a3a1-4427-abfa-2bf38ba9fe6e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6e850931515494db5eefb3b0f0bb401_I20201231" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTYtMS0xLTcxNDc3NA_4d169e55-54d4-4cfc-b0c3-a0e654f3665c">207</ix:nonFraction></span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #b6b6b6;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia3a7027400004a10b40ab5d0f6f1c81f_D20220101-20221231" name="bbva:FinancialInstrumentsValuationMethods" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTctMS0xLTcxNDc3NA_31032ea9-de39-40d3-bfbe-f0ba2e4df90f">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ia3a7027400004a10b40ab5d0f6f1c81f_D20220101-20221231" name="bbva:MainInputsUsed" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzExLTgtMS0xLTcxNDc3NA_7a5fe7a3-30a4-4659-95c8-1cbb1f94658b">- Issuer&#180;s credit risk<br/>- Prepayment rates<br/>- Interest rate yield</ix:nonNumeric></span></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i74440d815df547f99139216da07e6efe_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEyLTEtMS0xLTcxNDc3NA_1f8ac9b1-1296-42e8-a359-d5335cf81155">20,546</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e8cb93d4be94dc59f5f522c7df28ba9_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEyLTItMS0xLTcxNDc3NA_c243f711-b1a0-4224-8b5d-0c1de4859d5d">6,231</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib28e891a8ff443e292c4174db1a40b88_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEyLTMtMS0xLTcxNDc3NA_23b9b18a-75e9-4137-b248-62edd1e4fb17">14,853</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d5a9fb4bad34a3d993a7c9044ba1e2e_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEyLTQtMS0xLTcxNDc3NA_349c1716-b79d-40f4-9712-18ab73b41d2d">4,916</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba07eec6593649d78d54fca79c540609_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEyLTUtMS0xLTcxNDc3NA_3f040bf0-8e87-4497-b1d2-5a277678d944">22,914</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib2df179799bd4a6095933af444aa13f7_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEyLTYtMS0xLTcxNDc3NA_ef638af6-e99b-487f-9c00-274d2a4d2f70">4,633</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from customers</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4495265d1ed44f739ed34735f33727f0_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEzLTEtMS0xLTcxNDc3NA_67cde21f-3eb7-4d3b-b893-2eb30b33df0a">230,821</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03645631dc0546b3b7a988396ea31bd7_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEzLTItMS0xLTcxNDc3NA_aa117c32-1ba7-471a-b023-67414c2102c3">160,278</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id04a35e3411a40cf9df25cf38f83717e_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEzLTMtMS0xLTcxNDc3NA_4e95771e-92fc-4afa-8fee-599d0d31c4dc">209,345</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie507d973a0f14b749a05f2ef53b1aad3_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEzLTQtMS0xLTcxNDc3NA_e5c6740e-7d7e-4d27-bba3-5412e287b0b1">137,803</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i517d8a70c6c84be581ed1dfc186d76fa_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEzLTUtMS0xLTcxNDc3NA_2801c015-f610-44c8-8273-e18db7f8b1d2">210,097</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife13c58bcd374aac97f597c1ef96a92c_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzEzLTYtMS0xLTcxNDc3NA_7212ccc6-5a50-4d4f-a181-096d4df995d1">129,525</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76d977a559c54d12ad0f877f44ea7b14_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE0LTEtMS0xLTcxNDc3NA_fede6e69-44d1-4fd6-8e82-9d8ee15572c8">7,240</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibccd74f7b8dc4f71817c5daacffc6a21_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE0LTItMS0xLTcxNDc3NA_0bbdcc88-6237-4364-a3d1-d91a0d4b26a1">8,368</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fea7bf956284695af6d59038123bae1_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE0LTMtMS0xLTcxNDc3NA_ec113976-80c5-40fe-92ae-4a57af5b970a">10,014</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c95c61d06224a7abd7aa9438ab8ee56_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE0LTQtMS0xLTcxNDc3NA_c939bdb1-9212-48bd-8b07-059276a25717">4,391</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0f683f4024e4aa9a7e595e0e9d972f4_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE0LTUtMS0xLTcxNDc3NA_4433c00c-51ae-419b-ac23-0bb0810b63a2">14,413</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8341d35980d148ce9503c6321f0a29b5_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE0LTYtMS0xLTcxNDc3NA_31f29d6a-9563-40c6-8cfd-7879cfcb3aeb">4,848</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ceec626e471429d9b3f1da5dfda603e_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE1LTEtMS0xLTcxNDc3NA_c3c6cabd-2b5e-4c64-a84f-e8003d8d2cb0">7,587</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i865c455ecdaf427a8380bbce02bfac11_I20221231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE1LTItMS0xLTcxNDc3NA_e570d861-804a-4fe0-83ad-8f7c9574d220">6,568</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30566a556a27419d80d7f7fe872f5847_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE1LTMtMS0xLTcxNDc3NA_ca4f3694-ca73-4e63-9c95-2c36512b50d0">9,636</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i742740884c614262a7ff5e51459fa781_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE1LTQtMS0xLTcxNDc3NA_75d2f3d4-6c52-49e3-ab08-73ab7ee104fc">5,606</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i635b75fb08944018aa2e60eaccb23d8d_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE1LTUtMS0xLTcxNDc3NA_bc05b164-8767-4b76-a8a4-70ed35268185">7,854</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1422a896e9e40979f0c6cf38ece5d65_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjAvZnJhZzowOTk1NWIzMTZiZmM0MTc5YjBjMTVjZjIyMzc5ZWExYy90YWJsZToxNGUxNGE3ZDdiMjg0YmRlYjY0YWUyOTgxMDc0NGVkZS90YWJsZXJhbmdlOjE0ZTE0YTdkN2IyODRiZGViNjRhZTI5ODEwNzQ0ZWRlXzE1LTYtMS0xLTcxNDc3NA_e019359c-0c42-41ac-a002-5224e150b977">5,676</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2020, the level of significance of the unobservable inputs used to determine the fair value hierarchy of loans and advances to customers at amortized cost was refined, resulting in a greater exposure classified as level 3. This revision was carried out in the context of the availability of new information which was more adjusted to the changes that had occurred both in market conditions and in the composition of credit investment. The effect on consolidated results and equity resulting from this review did not represent any change.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-108</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_763"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">9.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90ZXh0cmVnaW9uOmY1Y2FhMjRjNWNkNzRlNTZhYzFiYjdmM2NjYzI1MWRjXzEzNw_48eb1a0c-d8d1-441e-a61e-b2b7e86a3cae" continuedAt="ia127101c749d4024ab42b3aa29831280" escape="true">Cash, cash balances at central banks and other demand deposits</ix:nonNumeric></span></div><ix:continuation id="ia127101c749d4024ab42b3aa29831280"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90ZXh0cmVnaW9uOmY1Y2FhMjRjNWNkNzRlNTZhYzFiYjdmM2NjYzI1MWRjXzEzOA_feb7cab8-614d-4d59-bb31-3f153e6c2546" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under the heading &#8220;Cash, cash balances at central banks and other demand deposits&#8221; in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:65.618%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.909%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.993%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash, cash balances at central banks and other demand deposits (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash on hand</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashOnHand" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzItMi0xLTEtNzE0Nzc0_e3b4983d-d1f6-4948-80cc-c1e50b2fe0c6">6,533</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashOnHand" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzItMy0xLTEtNzE0Nzc0_23ced421-ecb5-4744-8363-0cb2ec54b294">6,877</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashOnHand" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzItNC0xLTEtNzE0Nzc0_06be501c-db29-4af8-84fa-34fca9c4f467">6,447</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash balances at central banks</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzMtMi0xLTEtNzE0Nzc0_558ad6a0-e3da-46b3-a454-1d21e92db0cc">67,314</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzMtMy0xLTEtNzE0Nzc0_956adbd0-658b-4800-8778-2a2b6d8b66c4">55,004</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzMtNC0xLTEtNzE0Nzc0_56852941-1157-4c36-bb3a-871a80a745b8">53,079</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other demand deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzQtMi0xLTEtNzE0Nzc0_340edc4f-ca41-49bf-8cf9-2417e49f5da0">5,909</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzQtMy0xLTEtNzE0Nzc0_ff6045ab-9bda-43fb-86ef-ab38278e257d">5,918</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzQtNC0xLTEtNzE0Nzc0_d35fc281-5515-402e-9e29-1b6148f6196d">5,994</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzUtMi0xLTEtNzE0Nzc0_b08b99d7-1d22-4a07-ad38-1d2231924058">79,756</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzUtMy0xLTEtNzE0Nzc0_5c80e101-accb-4d98-a587-6ade4d96ad4f">67,799</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90YWJsZTo1NjRlZmJiNjA4YjI0MjM1ODEyYjBiNGQxYTY2MmU2ZS90YWJsZXJhbmdlOjU2NGVmYmI2MDhiMjQyMzU4MTJiMGI0ZDFhNjYyZTZlXzUtNC0xLTEtNzE0Nzc0_d5da8f70-c151-418c-91b5-680f2f52d4fa">65,520</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjMvZnJhZzpmNWNhYTI0YzVjZDc0ZTU2YWMxYmI3ZjNjY2MyNTFkYy90ZXh0cmVnaW9uOmY1Y2FhMjRjNWNkNzRlNTZhYzFiYjdmM2NjYzI1MWRjXzEzNg_038764d4-beef-4464-9844-2f34ff7aa997" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation is mainly due to an increase in balances at the Bank of Spain.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_766"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">10.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjYvZnJhZzpjNjFhNzQyMDliZjg0MDZiYmJhNzkwZDE0NjA3OGY1Mi90ZXh0cmVnaW9uOmM2MWE3NDIwOWJmODQwNmJiYmE3OTBkMTQ2MDc4ZjUyXzU_fc9270fe-b786-41e0-90b4-9432306a0364" continuedAt="ibba2f3aff1964dbc90c01b488d3afd3a" escape="true">Financial assets and liabilities held for trading</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_769"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ibba2f3aff1964dbc90c01b488d3afd3a" continuedAt="i7b8de55e9bf84f389a6995171b4ebfe9">Breakdown of the balance</ix:continuation></span></div><ix:continuation id="i7b8de55e9bf84f389a6995171b4ebfe9" continuedAt="i6a4e3d49c8f64620b9af4beda3bfbb7a"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90ZXh0cmVnaW9uOmRmOGZlNmI5NzZkNzQ1NTI5MmQ3YWRjOTJiMWZjNTkzXzQ4Mw_92188b11-c44a-4058-a087-d2f7f9745e3d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under these headings in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets and liabilities held for trading (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMtMi0xLTEtNzE0Nzc0_2f66e21a-2172-43e0-b22d-2ccdbd993a94">39,908</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMtMy0xLTEtNzE0Nzc0_3fd4b26a-674e-49a9-a5ce-7c413067e763">30,933</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMtNC0xLTEtNzE0Nzc0_2fe70f6c-5e90-42aa-a500-5ca255d5dace">40,183</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzQtMi0xLTEtNzE0Nzc0_36a1c26b-92b1-419e-b1ca-1f959047762a">4,404</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzQtMy0xLTEtNzE0Nzc0_acad5a5a-b911-4daf-b6d5-23db95718c05">15,963</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzQtNC0xLTEtNzE0Nzc0_f3706330-c5b4-45ac-aaa8-fd7cfac48a48">11,458</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i169245c40544438f921299d06c7334fd_I20221231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzUtMi0xLTEtNzE0Nzc0_c3bcb9a3-8e3c-43be-97a1-489472e43893">317</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f04ac578ac74fc284b7f4118a369d02_I20211231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzUtMy0xLTEtNzE0Nzc0_5c9c6e95-0b32-4058-97a2-daf2fbb97eef">816</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39b0c43497e34834bdc1f4d0cf65f7fe_I20201231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzUtNC0xLTEtNzE0Nzc0_c65acd07-1874-4fef-ae7d-e436e8b333e0">633</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other sectors</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i636fe365defe4ed796b6e35727db089c_I20221231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzYtMi0xLTEtNzE0Nzc0_b09e3b95-0815-4ef5-8043-4e683760d84c">4,086</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife269b56f0064616bd3125ace901304b_I20211231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzYtMy0xLTEtNzE0Nzc0_d4a8e0dd-bfb3-49c7-8912-4ebe31c5b076">15,147</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9845dcd733d84fe08e27fb5fff63983e_I20201231" decimals="-6" name="ifrs-full:EquityInstrumentsHeld" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzYtNC0xLTEtNzE0Nzc0_3671637b-252a-4e1c-aa24-7a596bbe4c80">10,824</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzctMi0xLTEtNzE0Nzc0_dcaad73d-6ee0-43d8-9b09-127d679bc9ea">24,367</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzctMy0xLTEtNzE0Nzc0_a088be3b-a55b-41a0-9d7f-5d2e5e18ad62">25,790</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzctNC0xLTEtNzE0Nzc0_d4c66114-e8cc-49db-ba47-0e161ced7f3d">23,970</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if47e8af8aab7477cbda361db2e5ab11c_I20221231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzgtMi0xLTEtNzE0Nzc0_3f0875c3-058e-41b0-a19b-afc07dcc07c9">821</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6f6e5a619de4bc79f564727cde08a22_I20211231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzgtMy0xLTEtNzE0Nzc0_2b5f4e1f-e997-4484-b689-bbc6a9e11bd9">936</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3396bd60352242f3b90002155a5a4191_I20201231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzgtNC0xLTEtNzE0Nzc0_3a969803-660e-4ee4-a8b9-25e461397966">1,011</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by public administrations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e426287f9fa429ebed045e49b27a47f_I20221231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzktMi0xLTEtNzE0Nzc0_26619541-886a-4137-a9b2-30be83a81bd7">20,703</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41376fceb6cf4ab3964d5dcc053a69db_I20211231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzktMy0xLTEtNzE0Nzc0_9bdd3061-4500-42b3-b069-e97b046549e4">21,946</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6266d79c1d74a6087ce023ed7da7175_I20201231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzktNC0xLTEtNzE0Nzc0_73b2f868-2446-4e90-9c20-9797bfa45233">19,942</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by financial institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i682cf8adb47e470da854597efe192fa3_I20221231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzEwLTItMS0xLTcxNDc3NA_00dfc109-cde1-4164-8250-9088a2fbe8fb">1,365</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bb0687ee680433fa56c2e2cc9de879d_I20211231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzEwLTMtMS0xLTcxNDc3NA_663af234-5fd0-4b9d-ad51-ba44de73cf3e">1,130</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2f6fb6567a146fcbdc35e9a2d0cabb0_I20201231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzEwLTQtMS0xLTcxNDc3NA_a3798b66-b9f0-4f26-b3a9-3636fe9f1b58">1,479</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i254d199ff4b247c8afc19169d3ec4fac_I20221231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzExLTItMS0xLTcxNDc3NA_fddc18b7-e2fc-4f92-8f7b-b1e4156096a6">1,477</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6fd1ea89eef442f286ec7e08ff88c122_I20211231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzExLTMtMS0xLTcxNDc3NA_09190a90-a1f1-46d0-903c-e365fe2c564e">1,778</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1d7ee684280349ab9ff577c014d5798c_I20201231" decimals="-6" name="bbva:DebtInstrumentsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzExLTQtMS0xLTcxNDc3NA_228bb109-3373-4c93-b7b7-eb735675368d">1,538</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzEzLTItMS0xLTcxNDc3NA_a87572df-3657-4d1f-970b-e3348e011439">41,993</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzEzLTMtMS0xLTcxNDc3NA_4b32bbe4-8417-4752-8464-92a9fa75346a">50,807</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzEzLTQtMS0xLTcxNDc3NA_1ae08872-e201-4da8-b458-691f2db3edbd">30,268</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic22960cd177145968e308aee34c4fbaf_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE0LTItMS0xLTcxNDc3NA_09bc288f-fa5f-4feb-b81a-b8bb09a79976">1,632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie83bda6fa9ee47c3ada99226fe9987d5_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE0LTMtMS0xLTcxNDc3NA_f489f057-71a5-493e-9d5a-2d0da4541b66">3,467</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7aaf3f08da4b4bfcbeaa09413885330f_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE0LTQtMS0xLTcxNDc3NA_752a9f4f-43ba-4e5b-8824-b01e3e1c6b8b">53</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reverse repurchase agreement</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8385db3ce36b497b95190319f0bdfd47_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE1LTItMS0xLTcxNDc3NA_7a4968cd-e1cb-4964-b2b7-b0ab7d41a816">1,632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iddc93b70f0dc4d7ea01d38950b0653c1_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE1LTMtMS0xLTcxNDc3NA_b49ebe3a-7d13-4dec-b3d3-22c4c65a2f2f">3,467</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21f9a3d561fc4a968e20e9e4f532f033_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE1LTQtMS0xLTcxNDc3NA_55873391-6443-4381-b3b1-d86ffd490011">53</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67fc080b0d2a44d39921a10fd30a5fc8_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE2LTItMS0xLTcxNDc3NA_dad770ee-a114-41d9-89a1-3b2f65d3dd19">25,231</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3edd7f5ee584016ad681c841fa4c7de_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE2LTMtMS0xLTcxNDc3NA_16d85a15-4916-4dde-91fe-d30bf346966d">31,916</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c40e1099a584ede9db34d11c7569abf_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE2LTQtMS0xLTcxNDc3NA_b64d98c7-d7e7-493e-b521-90e75f09b5f9">18,317</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reverse repurchase agreement </span><span style="color:#666666;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice723de4406741f684fb9eff39bed222_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE3LTItMS0xLTcxNDc3NA_586936a8-d84e-45bb-82da-3022e1c3f979">25,201</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30c49f609daa4c80938506eaacb6292e_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE3LTMtMS0xLTcxNDc3NA_12b8dbdd-22df-4b3a-a412-40ebfb57532d">31,901</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d45747b57fd4d86ad2267ef701dff8a_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE3LTQtMS0xLTcxNDc3NA_62eedfb1-7f81-4481-90c2-90eb6d6a42b0">18,310</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab2047b579764ef3ad6d87779a8663ef_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE4LTItMS0xLTcxNDc3NA_d8ddca21-8ed8-42fa-a6d8-a6c4553eecc5">15,130</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4530d31575254397ab1a04c807f89f90_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE4LTMtMS0xLTcxNDc3NA_98041ae5-e440-4575-aa23-85f6d1e4eebb">15,424</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d7f86520d4b48a08c1a79572b7a95dc_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE4LTQtMS0xLTcxNDc3NA_1fe9dd42-18e8-4b29-ad30-4aa3c07963d1">11,898</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reverse repurchase agreement</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e51120461d64502800d3573019beb44_I20221231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE5LTItMS0xLTcxNDc3NA_8e985da9-f751-4ca6-91a9-918cdb71a611">14,832</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2986138bcb99450b9ea02318d11c9602_I20211231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE5LTMtMS0xLTcxNDc3NA_68da6935-1b5c-4f7a-afd6-abe3aee7901f">14,916</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7635fb91cf54b67914b8a215280113f_I20201231" decimals="-6" name="bbva:LoansAndAdvancesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzE5LTQtMS0xLTcxNDc3NA_019c71ef-a43c-4d2a-be68-c7323474a763">11,295</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzIxLTItMS0xLTcxNDc3NA_90a76de6-f923-4292-a634-ae399abf5ba4">110,671</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzIxLTMtMS0xLTcxNDc3NA_714f3570-bd6a-4f69-be33-84b4a9b4b650">123,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzIxLTQtMS0xLTcxNDc3NA_521f192c-c6a7-475a-8273-ea3d8a38ad86">105,878</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzIzLTItMS0xLTcxNDc3NA_ebea5529-16c1-47da-8d3d-c0e0e683c983">37,909</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzIzLTMtMS0xLTcxNDc3NA_65913084-1b55-4952-a274-88be27e2ff52">31,705</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzIzLTQtMS0xLTcxNDc3NA_1869408f-52f6-481e-9e71-0d70316d2b9f">41,680</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI0LTItMS0xLTcxNDc3NA_5806751a-4c79-4cda-9ae8-2e26c4f09cd3">13,487</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI0LTMtMS0xLTcxNDc3NA_87d1cebd-af11-4293-8d89-8b320a3b90ea">15,135</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI0LTQtMS0xLTcxNDc3NA_4c03abc0-fffd-4006-94ad-040db74d39f8">12,312</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI1LTItMS0xLTcxNDc3NA_98b9b42c-96f4-4dc2-8f8f-760cae53b9ef">44,215</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI1LTMtMS0xLTcxNDc3NA_66a8d6a9-af9f-4c63-bc4a-c3f7c6c02cab">44,294</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI1LTQtMS0xLTcxNDc3NA_ca1abe1b-25e4-465b-8ccf-dd1c81057788">30,117</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from central banks </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c29d8d27c1349f9bfbf843af4e5acd3_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI2LTItMS0xLTcxNDc3NA_9fa4ade0-602a-41ba-a799-c3a0dd2d1ab1">3,950</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8a9d360282c4e07beb50cd7e721e0a4_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI2LTMtMS0xLTcxNDc3NA_46b28b1f-5f97-4d57-990b-5b3ddaa94607">11,248</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i940ff244d3c8463e99f813ccfc4443d1_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI2LTQtMS0xLTcxNDc3NA_1ede8549-e5fa-4595-9e1d-1f9d155628c0">6,277</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreement</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e20882c69b84469a07f1acc22465486_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI3LTItMS0xLTcxNDc3NA_6204c4d2-8318-4062-b2b8-7ce09fbf752f">3,950</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iafc7e8723e2f49469f9539c423dddaf2_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI3LTMtMS0xLTcxNDc3NA_3b004bb3-a5d3-4a5f-a95b-a89f883d0368">11,248</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie9e85c53d3ad4fcea1dd40e90fb9f152_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI3LTQtMS0xLTcxNDc3NA_67c1a74f-da74-45c0-afd1-b29b573efb9c">6,277</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75130e62b53642cbb2cdb5b7570eeb64_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI4LTItMS0xLTcxNDc3NA_3a5bd06e-8bcd-4645-aadb-87663f9dde57">28,924</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ab9ddcfbfad445880214b77dc9bb61e_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI4LTMtMS0xLTcxNDc3NA_6b8ea9cd-3cb3-4af1-864d-a92ee8adf5da">16,176</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93a651cee2c9432b9562ace0dfc69ef9_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI4LTQtMS0xLTcxNDc3NA_557ee442-03c9-402d-b180-e206704332ec">14,377</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreement</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1320a5d0c8a04d63ad52926d063b7c32_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI5LTItMS0xLTcxNDc3NA_8c03f6b0-2572-4ae8-a8dd-232ee5a9e08d">28,573</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacf1b15ab4734cf6bb6cc5367e1aa3ec_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI5LTMtMS0xLTcxNDc3NA_6fc59d24-39ed-46e4-a5bf-613d2c2de015">15,632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic50d3f1b91a14b39919f4dec98f1310a_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzI5LTQtMS0xLTcxNDc3NA_9691048e-71f0-4d2c-8c99-15434bbe71d0">14,035</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib114a7c682004e0b854acf2c16b9e23d_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMwLTItMS0xLTcxNDc3NA_b65271cd-b2f9-4a08-b429-9e932c9575bf">11,341</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7be0f22bf56d4e8eafca5b3347d0267c_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMwLTMtMS0xLTcxNDc3NA_913f9ffd-6d52-45c6-8aea-0b1ae9ae6610">16,870</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d679938be264fea991d96fb2bbc0514_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMwLTQtMS0xLTcxNDc3NA_7d941998-bef0-49fe-8cac-81735fc0308a">9,463</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreement</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58e3a196a5a240d79d506d4a09f3933d_I20221231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMxLTItMS0xLTcxNDc3NA_6f24c74f-b679-42bb-ac1c-2c5b9d2cd787">11,302</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8dc5cf40adad4b64bdcd1bfe4b5ff3f7_I20211231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMxLTMtMS0xLTcxNDc3NA_06b27759-8a11-46c1-bcce-768cd58b36c9">16,824</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e1d1514c7b240c4b58ca0db4cb9f147_I20201231" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzMxLTQtMS0xLTcxNDc3NA_5c88bf00-d679-4373-b5d2-7cbbdd058893">9,418</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzM2LTItMS0xLTcxNDc3NA_3b85d928-1268-4e29-9430-8b021bb16d60">95,611</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzM2LTMtMS0xLTcxNDc3NA_36869376-7bce-47d3-ad18-9e50a2c8855c">91,135</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90YWJsZTo5MTE5Yjk2YzQzZDQ0MGMxOTkyYjc4YTI5YTFmZDdhNi90YWJsZXJhbmdlOjkxMTliOTZjNDNkNDQwYzE5OTJiNzhhMjlhMWZkN2E2XzM2LTQtMS0xLTcxNDc3NA_8ad38038-85ef-456f-a29f-4233a2f3ad7c">84,109</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90ZXh0cmVnaW9uOmRmOGZlNmI5NzZkNzQ1NTI5MmQ3YWRjOTJiMWZjNTkzXzU3MTc0NjA0NjQ3Nzk3_3cb6ffca-95c0-4522-9d2f-75d98ffb2e91" footnoteRole="http://www.xbrl.org/2003/role/footnote">1) The variation is mainly due to the evolution of exchange rate derivatives at BBVA, S.A.</ix:footnote></span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90ZXh0cmVnaW9uOmRmOGZlNmI5NzZkNzQ1NTI5MmQ3YWRjOTJiMWZjNTkzXzU3MTc0NjA0NjQ2MDg5_fe81405d-2857-4ac2-9f28-6dc60e750470" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) The variation is mainly due to sales at BBVA, S.A.</ix:footnote></span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NjkvZnJhZzpkZjhmZTZiOTc2ZDc0NTUyOTJkN2FkYzkyYjFmYzU5My90ZXh0cmVnaW9uOmRmOGZlNmI5NzZkNzQ1NTI5MmQ3YWRjOTJiMWZjNTkzXzU3NzI0MzYwNDYxMTU0_a874beb3-96fc-4aa2-a8ea-343e72256b66" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) The variation corresponds mainly to the evolution of "Reverse repurchase agreement" of BBVA, S.A.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As of December 31, 2022, 2021 and 2020 &#8220;Short positions&#8221; include &#8364;12,544 million, &#8364;14,298 million and &#8364;11,696 million, respectively, held with general governments.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-109</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_772"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i6a4e3d49c8f64620b9af4beda3bfbb7a" continuedAt="ibaacb795097b4db18fe565e5ed7c71d3">Derivatives </ix:continuation></span></div><ix:continuation id="ibaacb795097b4db18fe565e5ed7c71d3"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The derivatives portfolio arises from the Group&#8217;s need to manage the risks it is exposed to in the normal course of business and also to market products amongst the Group&#8217;s customers. As of December 31, 2022, 2021 and 2020, trading derivatives were mainly contracted in over-the-counter (OTC) markets, with counterparties, consisting primarily of credit institutions and other financial corporations, and are related to foreign-exchange, interest-rate and equity risk. </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90ZXh0cmVnaW9uOjgzN2MzNjNjNGJiYzQ0ZDdhYzhlMzkyNzQ5MTNlNmEyXzI5_c67445a5-c99b-4d00-ae28-6cf3df0e6b6b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below is a breakdown by type of risk and market, of the fair value and notional amounts of derivatives recognized in the consolidated balance sheets, divided into organized and OTC markets:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:18.468%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.844%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives by type of risk and by product or by type of market (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notional amount - Total</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notional amount - Total</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notional amount - Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e73021f1f78437fb8aa97a09f3c7d5f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtMS0xLTEtNzE0Nzc0_082d7553-e52e-415c-aecb-7ce2ffe544ff">19,563</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e73021f1f78437fb8aa97a09f3c7d5f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtMi0xLTEtNzE0Nzc0_766282cd-b02c-40aa-bbc4-a10b6f79a50b">18,220</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e73021f1f78437fb8aa97a09f3c7d5f_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtMy0xLTEtNzE0Nzc0_2ec1b21a-d544-4524-8ad5-718b763821e4">4,286,531</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i731570db7608408abc98005c2b6ca450_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtNC0xLTEtNzE0Nzc0_770a517a-bd04-4557-9060-938ce6499b33">15,782</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i731570db7608408abc98005c2b6ca450_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtNS0xLTEtNzE0Nzc0_619e162d-553a-48c2-a7a7-422051e40208">15,615</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i731570db7608408abc98005c2b6ca450_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtNi0xLTEtNzE0Nzc0_d7c86e6f-74ec-4efd-9bb0-bbbbe7b65461">3,902,760</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34d606f3f58b4df4b179210b7ac01699_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtNy0xLTEtNzE0Nzc0_32e395b8-7782-4800-b1b0-58c37a2e4efd">26,451</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34d606f3f58b4df4b179210b7ac01699_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtOC0xLTEtNzE0Nzc0_18933bc9-ff19-46d9-8fea-f346e9c3ee86">26,028</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34d606f3f58b4df4b179210b7ac01699_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzMtOS0xLTEtNzE0Nzc0_ce263747-1053-44b6-9ea7-ba709d649add">3,252,066</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieacf77f27ba44d40a8db0e541a5d0505_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtMS0xLTEtNzE0Nzc0_179dafd8-45a4-4b08-8710-4c2a708b1fb6">19,558</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieacf77f27ba44d40a8db0e541a5d0505_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtMi0xLTEtNzE0Nzc0_dad14a15-bca4-41ca-a2f5-365a3c705570">18,215</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieacf77f27ba44d40a8db0e541a5d0505_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtMy0xLTEtNzE0Nzc0_3eead0cd-1525-45cc-b96e-2d2e91fce403">4,278,249</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i305749d77ddb44ad9d780b6036ce286c_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtNC0xLTEtNzE0Nzc0_74f28a2b-c27f-4179-90de-606e03b72605">15,774</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i305749d77ddb44ad9d780b6036ce286c_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtNS0xLTEtNzE0Nzc0_a180d89d-4250-4301-a0b6-f076a092343d">15,610</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i305749d77ddb44ad9d780b6036ce286c_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtNi0xLTEtNzE0Nzc0_3691808c-915a-46ac-abfa-ba5da71aa7a9">3,884,561</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3a123cad3414896bea56d8ae6f030a8_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtNy0xLTEtNzE0Nzc0_06a5b860-0f71-449d-8c7f-337e1f0cbe7b">26,447</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3a123cad3414896bea56d8ae6f030a8_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtOC0xLTEtNzE0Nzc0_31e5946b-dc06-4c19-af07-34112bd71d16">26,020</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3a123cad3414896bea56d8ae6f030a8_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzQtOS0xLTEtNzE0Nzc0_1510eca2-c5d4-4634-9f3f-34712de719d1">3,233,718</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Organized market</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0202b7444550407fab398ddf9a692920_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtMS0xLTEtNzE0Nzc0_87b4e9b6-6824-4c2e-b1a9-b2cd73d6b06f">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0202b7444550407fab398ddf9a692920_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtMi0xLTEtNzE0Nzc0_2a470649-c1c6-4b7b-94aa-55d3706d0095">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0202b7444550407fab398ddf9a692920_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtMy0xLTEtNzE0Nzc0_4b9e06ac-3a72-4714-97e3-ac777cb6e7b8">8,282</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b7ce8e10a1c496e9aecd35b8fc51902_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtNC0xLTEtNzE0Nzc0_2a0dfc8d-8101-420a-a703-74bd5a97fa20">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b7ce8e10a1c496e9aecd35b8fc51902_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtNS0xLTEtNzE0Nzc0_22730fc8-3087-4cd8-a004-b5c86a3e6876">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b7ce8e10a1c496e9aecd35b8fc51902_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtNi0xLTEtNzE0Nzc0_ff05f6e9-3621-4008-9f96-73f7ac3abb41">18,199</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc9b784ec34c4ae0ad8d4cbd1051a6e5_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtNy0xLTEtNzE0Nzc0_219c3288-d215-4ddf-b7da-00ca60a02a00">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc9b784ec34c4ae0ad8d4cbd1051a6e5_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtOC0xLTEtNzE0Nzc0_63025494-1570-4559-8b29-a623d2b15a49">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc9b784ec34c4ae0ad8d4cbd1051a6e5_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzUtOS0xLTEtNzE0Nzc0_dd87b30c-9672-4285-829d-db450f84bd26">18,348</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb547570fe471eb83c4b7ebecd6fd5_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtMS0xLTEtNzE0Nzc0_3dea24c0-08f0-4dbf-96e5-981c9d7697a4">3,067</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb547570fe471eb83c4b7ebecd6fd5_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtMi0xLTEtNzE0Nzc0_fc01a10e-280f-412f-af20-7e2adc88e96e">3,770</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb547570fe471eb83c4b7ebecd6fd5_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtMy0xLTEtNzE0Nzc0_463540e5-12a7-4231-b71c-23f9affb7495">76,749</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24e64b6d00a94cee88288ede1a31924a_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtNC0xLTEtNzE0Nzc0_aedeb362-0607-45bb-a3ee-2fe964789aa8">2,802</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24e64b6d00a94cee88288ede1a31924a_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtNS0xLTEtNzE0Nzc0_c125e4ca-36d4-4e8d-9dcd-5f4cee0f8601">4,123</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24e64b6d00a94cee88288ede1a31924a_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtNi0xLTEtNzE0Nzc0_7e5200cf-0777-47ec-b3d8-d1a5b30a3089">72,656</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dc6ebb6c94b44f99cf4170933cd8181_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtNy0xLTEtNzE0Nzc0_c3a097a7-2690-4f3a-8e7e-2fe86edbd507">2,626</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dc6ebb6c94b44f99cf4170933cd8181_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtOC0xLTEtNzE0Nzc0_6fda8ef1-9ac8-4049-a833-73c1140de9fe">4,143</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dc6ebb6c94b44f99cf4170933cd8181_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzYtOS0xLTEtNzE0Nzc0_fb384fb1-267f-484b-ae6a-150f7c0e9b4c">72,176</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe022fcdb6044201b996582afca4a90b_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctMS0xLTEtNzE0Nzc0_2fb65d8d-b14a-4d80-972d-d8fb93c63a35">1,810</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe022fcdb6044201b996582afca4a90b_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctMi0xLTEtNzE0Nzc0_ed893d37-5a30-4b3b-ae2f-fcc770ca9f01">2,127</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe022fcdb6044201b996582afca4a90b_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctMy0xLTEtNzE0Nzc0_a6065afd-6295-4d47-b09f-eef19e8fbd58">52,739</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib933e429a1914601abcaa041eabe96fa_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctNC0xLTEtNzE0Nzc0_17b520b3-801f-4f69-9f1f-899b22529b21">775</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib933e429a1914601abcaa041eabe96fa_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctNS0xLTEtNzE0Nzc0_c3c13628-44bd-4726-a32a-b85d2811c1b3">1,930</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib933e429a1914601abcaa041eabe96fa_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctNi0xLTEtNzE0Nzc0_da295ad9-9c58-44cd-9158-2b8a1326561d">48,695</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibfc720b873754eb09363e3ad05ce2a79_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctNy0xLTEtNzE0Nzc0_36fa6aa1-0c25-4d60-b007-da01b75edf40">584</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibfc720b873754eb09363e3ad05ce2a79_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctOC0xLTEtNzE0Nzc0_9b349919-491a-4677-a405-7bdea38a98e2">1,836</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibfc720b873754eb09363e3ad05ce2a79_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzctOS0xLTEtNzE0Nzc0_5bfe8672-5035-487f-8018-c63e1d40d282">42,351</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Organized market</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a64fbdcca2a4aef99f2f164b22b2001_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtMS0xLTEtNzE0Nzc0_70f8c8ee-e51f-4b0c-be1f-fefc80fa3e0f">1,257</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a64fbdcca2a4aef99f2f164b22b2001_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtMi0xLTEtNzE0Nzc0_5693d65a-9fd8-4a98-9a00-d7d36032e284">1,643</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a64fbdcca2a4aef99f2f164b22b2001_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtMy0xLTEtNzE0Nzc0_38bed0f4-6bb9-4549-9d07-82f33edc79fc">24,010</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdfd11b213f943e2a4ef9d83260b0a87_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtNC0xLTEtNzE0Nzc0_0f5391d4-558a-4b68-a4da-f09ff5c2b8a0">2,028</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdfd11b213f943e2a4ef9d83260b0a87_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtNS0xLTEtNzE0Nzc0_f67dab7e-3a5b-41c6-8c24-cfdd6f8c2900">2,192</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdfd11b213f943e2a4ef9d83260b0a87_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtNi0xLTEtNzE0Nzc0_bcbaa9ca-7eda-4bd8-a3f5-702e36b4ac33">23,962</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i150badd5a37f4443be67047fd7d32aea_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtNy0xLTEtNzE0Nzc0_e6804472-71f9-457a-afed-32aa89788018">2,042</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i150badd5a37f4443be67047fd7d32aea_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtOC0xLTEtNzE0Nzc0_687e7e70-3230-4613-9a99-e63788b9de21">2,307</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i150badd5a37f4443be67047fd7d32aea_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzgtOS0xLTEtNzE0Nzc0_313b5b3a-5f36-464c-aa4a-b7ad3cab9c3e">29,825</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf12b3636da844eabcc52a3b1921102a_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktMS0xLTEtNzE0Nzc0_781559fd-babe-4e58-abc0-681ea517a827">16,971</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf12b3636da844eabcc52a3b1921102a_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktMi0xLTEtNzE0Nzc0_c50e72c4-92eb-49f4-9fcd-f839e0d4cc1f">15,528</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf12b3636da844eabcc52a3b1921102a_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktMy0xLTEtNzE0Nzc0_173c7970-a464-4495-a39c-fac1ef8240a3">589,705</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90e26bfd4fb94e1dbc3de8a4feecaa4a_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktNC0xLTEtNzE0Nzc0_2a6cae45-95cf-47b1-b4a4-b078a5f609e5">12,104</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90e26bfd4fb94e1dbc3de8a4feecaa4a_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktNS0xLTEtNzE0Nzc0_b7cfc9b1-a0c7-4b0f-9c70-2975aa6642ee">11,471</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90e26bfd4fb94e1dbc3de8a4feecaa4a_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktNi0xLTEtNzE0Nzc0_723f21c9-f237-4ffa-bb01-5591d6ce1323">533,395</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48f029ef33e1497bb7cc7fd8330bb627_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktNy0xLTEtNzE0Nzc0_ef224364-ffdd-4324-ada8-4c9267b22a0c">10,952</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48f029ef33e1497bb7cc7fd8330bb627_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktOC0xLTEtNzE0Nzc0_f269bd5a-c758-4163-ac81-84694ce1bbbb">11,216</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48f029ef33e1497bb7cc7fd8330bb627_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzktOS0xLTEtNzE0Nzc0_ea82ccae-2679-4a87-a2c4-fe8010f91380">461,898</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9bd1a57571b4af6bacc01188f71a99e_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTEtMS0xLTcxNDc3NA_d593e39c-4e51-41a7-acb1-cb0ff282a0b5">16,954</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9bd1a57571b4af6bacc01188f71a99e_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTItMS0xLTcxNDc3NA_628664bb-ce43-4412-95ea-7b00acc911bc">15,505</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9bd1a57571b4af6bacc01188f71a99e_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTMtMS0xLTcxNDc3NA_ce98d94b-7970-4a0b-b677-eaf2fd44cc24">580,850</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8d0aed9d52743e79b2510f4891eff5a_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTQtMS0xLTcxNDc3NA_37a9e548-270e-450c-9cfc-cc0ba4da09d6">12,090</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8d0aed9d52743e79b2510f4891eff5a_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTUtMS0xLTcxNDc3NA_f6f81a0d-2d70-4125-b968-dd64b6baa9f4">11,445</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8d0aed9d52743e79b2510f4891eff5a_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTYtMS0xLTcxNDc3NA_8b545de0-efc4-4cef-a66d-c11b6fc54a3b">526,590</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90c838f9c6a34d63a3f075f05c5a83cb_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTctMS0xLTcxNDc3NA_9db77748-28c9-48de-8b01-e277461a7850">10,942</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90c838f9c6a34d63a3f075f05c5a83cb_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTgtMS0xLTcxNDc3NA_0795c10b-6301-456a-87cb-88d607309d7f">11,216</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90c838f9c6a34d63a3f075f05c5a83cb_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEwLTktMS0xLTcxNDc3NA_4d78ac7b-d674-4975-90ca-159870abb067">457,180</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Organized market</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77191ff9e1554af593541fecde410cae_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTEtMS0xLTcxNDc3NA_9fe712c9-dfcd-46dc-beca-4fa0f82bd279">17</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77191ff9e1554af593541fecde410cae_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTItMS0xLTcxNDc3NA_21e1d221-4d52-4d13-ab35-6b2efa4c8655">23</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77191ff9e1554af593541fecde410cae_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTMtMS0xLTcxNDc3NA_a50f25f1-f541-4f8e-8fd0-1051e000c355">8,855</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if39a23987a21432d9860921475ee2269_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTQtMS0xLTcxNDc3NA_6f7e103e-2b03-4308-bcda-c9edce70d09f">14</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if39a23987a21432d9860921475ee2269_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTUtMS0xLTcxNDc3NA_a4c6fb43-ee9c-41e0-bb78-18b8216126ae">26</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if39a23987a21432d9860921475ee2269_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTYtMS0xLTcxNDc3NA_662bee7b-cdb2-47f5-a1c5-cde592e0b75f">6,805</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b2c972fdbaa4da097980408cdf13003_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTctMS0xLTcxNDc3NA_99309d63-db23-460b-a3f1-911bdf1d5c1a">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b2c972fdbaa4da097980408cdf13003_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTgtMS0xLTcxNDc3NA_807fce40-f2a1-4e0e-b3d3-627d3f50ddfd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b2c972fdbaa4da097980408cdf13003_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzExLTktMS0xLTcxNDc3NA_8ed915a1-63aa-4f3b-800a-17e88ed45fdc">4,719</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibea3be964fa34564b3da2dc8e10bf5b1_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTEtMS0xLTcxNDc3NA_b569552d-fe5c-4553-bb04-9edb5a087352">299</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibea3be964fa34564b3da2dc8e10bf5b1_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTItMS0xLTcxNDc3NA_11007d04-b081-4dc0-a5c0-ef46085e553f">383</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibea3be964fa34564b3da2dc8e10bf5b1_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTMtMS0xLTcxNDc3NA_29c24779-7827-4c05-8787-e4a9942343de">43,450</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2184bb0ac6a14778b3ee03c343780388_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTQtMS0xLTcxNDc3NA_30e4243f-accd-4891-b81d-5db0eff4ca28">236</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2184bb0ac6a14778b3ee03c343780388_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTUtMS0xLTcxNDc3NA_957a047c-48f5-4960-8172-d5a3b3a07fec">490</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2184bb0ac6a14778b3ee03c343780388_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTYtMS0xLTcxNDc3NA_bfefd530-f569-401c-a0ee-f722ec679ddd">19,937</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id663629bfbed4feea63e7573ce92f441_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTctMS0xLTcxNDc3NA_7f0f43a2-b20e-4677-b021-75acc4bcdfcc">153</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id663629bfbed4feea63e7573ce92f441_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTgtMS0xLTcxNDc3NA_9f550170-0984-49ed-a547-ae0b5d1e5f98">292</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id663629bfbed4feea63e7573ce92f441_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEyLTktMS0xLTcxNDc3NA_0e078389-01fd-41c1-a434-ddecbbd88d3f">23,411</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit default swap</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc7b0979175e48d2af9aed10eb8df97f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEzLTEtMS0xLTcxNDc3NA_09e6e684-163d-45d5-8a3d-fd0a42a0145c">293</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc7b0979175e48d2af9aed10eb8df97f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEzLTQtMS0xLTcxNDc3NA_3f2359d1-844c-416a-ba52-b73f1a78a9e2">236</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b0e60cd03014b42a7c26599b862f1d8_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEzLTUtMS0xLTcxNDc3NA_85f3bea1-b50d-4c9d-ab65-16c3c6cf3cff">254</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b0e60cd03014b42a7c26599b862f1d8_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzEzLTgtMS0xLTcxNDc3NA_7b5f2c94-4e66-49f5-8136-6092a5177e1b">156</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a23f3e998634b4a9be652ff3c18d6c5_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE0LTYtMS0xLTcxNDc3NA_bc43437b-e64f-447a-be99-70118e5cf009">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3913058e442403393082b6581738086_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE0LTctMS0xLTcxNDc3NA_496a3705-7f85-4402-aae1-b624c510f851">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3913058e442403393082b6581738086_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE0LTgtMS0xLTcxNDc3NA_638d2669-a8f8-4b7a-93f8-eabc8f71f794">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3913058e442403393082b6581738086_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE0LTktMS0xLTcxNDc3NA_3e57cd79-f730-4443-b4e8-c0e33790ee7d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total return swap</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cd907d70a5e4d029d8ade1c6aae9417_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTEtMS0xLTcxNDc3NA_6f9c2d81-dae2-4468-862c-23df30495bbf">7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cd907d70a5e4d029d8ade1c6aae9417_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTItMS0xLTcxNDc3NA_a7803c05-9df0-4fc9-9cc5-ca6c4ab9037c">101</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cd907d70a5e4d029d8ade1c6aae9417_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTMtMS0xLTcxNDc3NA_a296a78c-d5e2-457a-80fd-b4924cbdef1c">1,665</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76103db6a48043bc9e26c25eb87e4fcf_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTQtMS0xLTcxNDc3NA_be94d6fb-3027-4409-b70d-68529f8a808c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76103db6a48043bc9e26c25eb87e4fcf_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTUtMS0xLTcxNDc3NA_02068a4d-28e0-4585-8aa9-22b6b11ff758">236</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76103db6a48043bc9e26c25eb87e4fcf_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTYtMS0xLTcxNDc3NA_4eb59b6f-69c7-47c0-b94e-e1c3e9c8d5ee">1,815</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7870daa59cdf484f9af658f1f6352aa4_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTctMS0xLTcxNDc3NA_9939272e-10aa-4e97-bc9e-465c1606d19f">7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7870daa59cdf484f9af658f1f6352aa4_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTgtMS0xLTcxNDc3NA_c2264a6d-f151-4182-9a3c-6cad08f86dba">136</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7870daa59cdf484f9af658f1f6352aa4_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE1LTktMS0xLTcxNDc3NA_995a97f5-fa93-4a6a-a30c-53898f5a93be">1,882</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63a461c29eda40b49f0a50b15001f92b_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE2LTEtMS0xLTcxNDc3NA_e163e060-6b3d-4255-a90f-cfea547ccbd6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63a461c29eda40b49f0a50b15001f92b_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE2LTItMS0xLTcxNDc3NA_db4947c7-9fc7-4391-a5c6-81061e53a9be">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63a461c29eda40b49f0a50b15001f92b_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE2LTMtMS0xLTcxNDc3NA_831a848b-afae-4585-bc96-96eb7e9126b2">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i225a21f0c9434573992469bd01306604_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" 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format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTEtMS0xLTcxNDc3NA_2fc9ecc6-2ee7-4c91-aa73-b149f9b6b8c5">39,908</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ba2295060dd4df4a36c6986e51a1cf0_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTItMS0xLTcxNDc3NA_7410eea1-5710-48e0-8f3b-57bfae726f4d">37,909</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ba2295060dd4df4a36c6986e51a1cf0_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTMtMS0xLTcxNDc3NA_05b67794-e2d4-4fd6-b4f7-981ab55829ba">4,996,495</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idad4bc1d2d954c5888e2e506e0e9ebdf_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTQtMS0xLTcxNDc3NA_c4f106ad-c316-420b-9880-d1d48df76ab8">30,933</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idad4bc1d2d954c5888e2e506e0e9ebdf_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTUtMS0xLTcxNDc3NA_e2052d39-24b8-4d36-bea6-20b2665040a5">31,705</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idad4bc1d2d954c5888e2e506e0e9ebdf_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTYtMS0xLTcxNDc3NA_12367376-dc4c-4f15-a5de-634f23f6fdd5">4,528,897</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9803c6c1bab430a9d77fce7885b28ec_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTctMS0xLTcxNDc3NA_0cd63193-3306-46cd-a591-f1a6f63f2488">40,183</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9803c6c1bab430a9d77fce7885b28ec_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTgtMS0xLTcxNDc3NA_14020c3f-1629-41dd-aab2-7265263ab176">41,680</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9803c6c1bab430a9d77fce7885b28ec_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzE5LTktMS0xLTcxNDc3NA_9400c906-37af-46ff-966c-19fa6a3fdb84">3,809,577</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: OTC - credit institutions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5fc89529f104dc4b235804b436afc8f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTEtMS0xLTcxNDc3NA_63161bc8-ae9f-45de-8947-d9963961b097">28,385</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5fc89529f104dc4b235804b436afc8f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTItMS0xLTcxNDc3NA_35b017d9-9ce3-43ae-b166-2c1691980b62">26,454</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5fc89529f104dc4b235804b436afc8f_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTMtMS0xLTcxNDc3NA_6145517d-091b-4efa-8a74-10534ccab8f4">1,205,895</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iecb8215744ef42078c3e2b304196a9a2_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTQtMS0xLTcxNDc3NA_a1afd3a9-4236-41ae-8af1-fe61673ebbe7">21,069</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iecb8215744ef42078c3e2b304196a9a2_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTUtMS0xLTcxNDc3NA_65976a2e-d3e0-4d28-a830-c9c31a2eb6ef">22,488</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iecb8215744ef42078c3e2b304196a9a2_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTYtMS0xLTcxNDc3NA_333f4a2a-1313-4624-b1a1-66776c9b1889">1,073,921</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia94634a57da748d28d44c4877eb8899e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTctMS0xLTcxNDc3NA_85584411-2fbb-49f2-a97e-0aed91efc6c9">24,432</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia94634a57da748d28d44c4877eb8899e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTgtMS0xLTcxNDc3NA_75a97ecc-bcbe-454d-9c94-51cd400da199">27,244</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia94634a57da748d28d44c4877eb8899e_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIwLTktMS0xLTcxNDc3NA_42a3c4a2-dcac-48d4-b764-5f3b6168522f">958,017</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: OTC - other financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i338cc7abfe034b86a7b4a98c7928195c_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTEtMS0xLTcxNDc3NA_f0e38224-1db6-4325-bea2-b9dfd099fa32">5,745</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i338cc7abfe034b86a7b4a98c7928195c_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTItMS0xLTcxNDc3NA_5ae673b8-6b7b-4253-934f-88dcf265528d">4,493</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i338cc7abfe034b86a7b4a98c7928195c_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTMtMS0xLTcxNDc3NA_d3e2ed4f-645c-4f08-a708-f4334c652a67">3,587,546</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9a7790ff11847f69ae2d75978289cd5_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTQtMS0xLTcxNDc3NA_22f1b570-610e-4c6f-8f50-0190c6da422a">3,300</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9a7790ff11847f69ae2d75978289cd5_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTUtMS0xLTcxNDc3NA_32a146b3-ace2-4685-bc9e-691bab73537a">3,075</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9a7790ff11847f69ae2d75978289cd5_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTYtMS0xLTcxNDc3NA_35dcc0d5-fb9c-4b0d-a996-0a3c8760957c">3,257,382</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01404f56e0a9414dbb7411e47a9405e0_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTctMS0xLTcxNDc3NA_f129fa7f-9c86-43b0-a0e7-274c9a47c323">8,211</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01404f56e0a9414dbb7411e47a9405e0_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTgtMS0xLTcxNDc3NA_9eb00526-737e-4004-8149-dc88e482d8a3">8,493</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01404f56e0a9414dbb7411e47a9405e0_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIxLTktMS0xLTcxNDc3NA_8530bc3e-4304-4dba-80d8-db5540b972ca">2,663,978</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: OTC - other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76e0502e5dcb4ab98d4f2eeb96a45174_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTEtMS0xLTcxNDc3NA_fdb03b3f-bf6c-4aa9-9d57-f9ea8c636b4a">4,501</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76e0502e5dcb4ab98d4f2eeb96a45174_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTItMS0xLTcxNDc3NA_100d20ab-697b-4114-bc62-58fe9ba13e91">5,290</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76e0502e5dcb4ab98d4f2eeb96a45174_I20221231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTMtMS0xLTcxNDc3NA_6d406c32-6f8f-4861-876a-0b443343c938">161,882</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32c6d51415a64343ba682b01114d4adb_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTQtMS0xLTcxNDc3NA_aac84d9b-baac-43e8-8e1c-883ae4754a0c">4,514</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32c6d51415a64343ba682b01114d4adb_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTUtMS0xLTcxNDc3NA_f4dd9ea5-a3cc-4486-9c99-b0db25a6ea3c">3,919</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32c6d51415a64343ba682b01114d4adb_I20211231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTYtMS0xLTcxNDc3NA_0fb2cc34-13cd-4281-be1c-760185556a31">148,629</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0860b92337c540a388576e9342922a2c_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTctMS0xLTcxNDc3NA_cd26176e-9abf-4787-9038-06e6d13fe071">5,484</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0860b92337c540a388576e9342922a2c_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTgtMS0xLTcxNDc3NA_105a0da7-ae0a-434d-b122-91f6373d0f32">3,627</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0860b92337c540a388576e9342922a2c_I20201231" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzIvZnJhZzo4MzdjMzYzYzRiYmM0NGQ3YWM4ZTM5Mjc0OTEzZTZhMi90YWJsZTo2YTQxODQ3MTk3ZGY0ZTEyYjI2MzU4OTUxNThhNGI0OC90YWJsZXJhbmdlOjZhNDE4NDcxOTdkZjRlMTJiMjYzNTg5NTE1OGE0YjQ4XzIyLTktMS0xLTcxNDc3NA_bbb92679-e19a-4a67-84dc-cc4fc1119ee4">134,690</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_775"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">11.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90ZXh0cmVnaW9uOjRmNmU3ZjA1NjkyOTQ3MDA4NTQ5MTViNmIyYjcyNjBjXzIzOQ_05cfeed3-8e73-4694-a5e5-901a61a59c3a" continuedAt="i2d15770bbdf04d8ba31a0a1dec62c456" escape="true">Non-trading financial assets mandatorily at fair value through profit or loss</ix:nonNumeric></span></div><ix:continuation id="i2d15770bbdf04d8ba31a0a1dec62c456"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90ZXh0cmVnaW9uOjRmNmU3ZjA1NjkyOTQ3MDA4NTQ5MTViNmIyYjcyNjBjXzI0MA_3265beca-307d-437f-8d4b-0d0acc815f1f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:51.904%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.153%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzItMi0xLTEtNzE0Nzc0_095bca65-f204-4c98-ac98-d78791f36ae7">6,511</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzItMy0xLTEtNzE0Nzc0_4d7a8503-ba99-4c7e-a2cf-1e27a59894cf">5,303</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzItNC0xLTEtNzE0Nzc0_7d6e0e34-5c94-416e-9112-7fd264b0aeca">4,133</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzMtMi0xLTEtNzE0Nzc0_80c4ac59-0aed-4b02-9cd1-10d29894704f">129</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzMtMy0xLTEtNzE0Nzc0_517c6e9d-867e-42ca-a668-bd57610d3eac">128</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzMtNC0xLTEtNzE0Nzc0_f47e399d-c018-420b-9b4a-631d024bae48">356</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzQtMi0xLTEtNzE0Nzc0_7bc17b72-dbd0-4d5b-8edf-37995e9bee35">247</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzQtMy0xLTEtNzE0Nzc0_747ec0f2-2217-4a73-a49f-34b2bb1ed301">655</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzQtNC0xLTEtNzE0Nzc0_47dad5c7-895b-4698-a714-3298f72f655d">709</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzUtMi0xLTEtNzE0Nzc0_dee88cf7-6486-4337-b189-1515eee48033">6,888</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzUtMy0xLTEtNzE0Nzc0_5ea95fb4-e37e-4ae4-ab93-e9f0ed6c16e1">6,086</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90YWJsZTo5ZTE0YmVjZTEwYWE0MDE2OThiMjIxOWM0ZjRjMmRkOC90YWJsZXJhbmdlOjllMTRiZWNlMTBhYTQwMTY5OGIyMjE5YzRmNGMyZGQ4XzUtNC0xLTEtNzE0Nzc0_2c94a177-2b63-4bff-b5ec-94543a7baa90">5,198</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzUvZnJhZzo0ZjZlN2YwNTY5Mjk0NzAwODU0OTE1YjZiMmI3MjYwYy90ZXh0cmVnaW9uOjRmNmU3ZjA1NjkyOTQ3MDA4NTQ5MTViNmIyYjcyNjBjXzU3MTc0NjA0NjQ1NzY1_accf3a94-86e4-44b9-9ab7-1444cea141db" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2022, an agreement was announced with Neon Payments Limited for the subscription of preferred shares representing approximately 21.7% of its capital stock (see Note 3).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-110</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_778"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">12.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90ZXh0cmVnaW9uOjc2YzEzYTA4NmYyOTRhMjNhYjdmNzFkY2IwN2IxOTk0XzE4_281b9f97-3660-437e-8c76-7861e32d16d5" continuedAt="iffc26d2b815b47a480b3646243995c0b" escape="true">Financial assets and liabilities designated at fair value through profit or loss</ix:nonNumeric></span></div><ix:continuation id="iffc26d2b815b47a480b3646243995c0b"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90ZXh0cmVnaW9uOjc2YzEzYTA4NmYyOTRhMjNhYjdmNzFkY2IwN2IxOTk0XzE3_f5ae2915-518e-4bd8-b31f-4b35b387486a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under these headings in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:50.980%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.229%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2 / 8.1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzMtMi0xLTEtNzE0Nzc0_2de81b59-9337-4581-ae7a-20d478b96fc3">913</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzMtMy0xLTEtNzE0Nzc0_2f6ec3ec-6d29-48b5-831b-3c51c6c6d3ce">1,092</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzMtNC0xLTEtNzE0Nzc0_d79f3f82-db6d-4d8b-816c-06abab68cdf8">1,117</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CustomerDepositsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzctMi0xLTEtNzE0Nzc0_b2e26942-b07d-405a-89c1-e2fb347cb333">700</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CustomerDepositsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzctMy0xLTEtNzE0Nzc0_948b4511-b8e2-47ea-94a8-59f192eef15a">809</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CustomerDepositsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzctNC0xLTEtNzE0Nzc0_ebdf74e3-0fa2-4b58-bd01-ecbbf51d534a">902</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzgtMi0xLTEtNzE0Nzc0_1ae6f39b-1de8-45bf-8cd5-ca57c4fc9522">3,288</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzgtMy0xLTEtNzE0Nzc0_2a2f43d2-2a40-463b-a21e-772cc6b7d6d6">3,396</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzgtNC0xLTEtNzE0Nzc0_a9a5f9ee-b502-4c8c-a1f7-cd80aa01f76a">4,531</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities: Unit-linked products</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzktMi0xLTEtNzE0Nzc0_f40073e6-74be-4476-8d4c-5cfaa3c9ee1a">6,592</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzktMy0xLTEtNzE0Nzc0_a305cc4a-0a5a-4661-9913-38ced9f35286">5,479</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzktNC0xLTEtNzE0Nzc0_97f32d4e-6384-47e0-8286-0d1558fa69e4">4,617</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzEwLTItMS0xLTcxNDc3NA_5eec7705-06f0-4483-8cbc-43fcffa9c8ce">10,580</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzEwLTMtMS0xLTcxNDc3NA_e3a8766d-ec26-433c-b17c-9013f9172587">9,683</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83NzgvZnJhZzo3NmMxM2EwODZmMjk0YTIzYWI3ZjcxZGNiMDdiMTk5NC90YWJsZTpjNDlmODJmMzY2YjY0MWU4OWMwNzMxMzY2MDhmODI5OC90YWJsZXJhbmdlOmM0OWY4MmYzNjZiNjQxZTg5YzA3MzEzNjYwOGY4Mjk4XzEwLTQtMS0xLTcxNDc3NA_b5226bc5-b176-4a9c-bf9c-0844ce15c369">10,050</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Within &#8220;Financial liabilities designated at fair value through profit or loss&#8221;, liabilities linked to insurance products where the policyholder bears the risk (unit-link) are recorded. Since the liabilities linked to insurance products in which the policyholder assumes the risk are valued the same way as the assets associated to these insurance products, there is no credit risk component borne by the Group in relation to these liabilities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, the assets and liabilities are included in these headings to reduce inconsistencies (asymmetries) in the valuation of those operations and those used to manage their risk.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_781"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">13.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODEvZnJhZzowZDRjYzcxMjVmYjk0ZWI5YjRiMTM5MDQ5MDMxZjgyYi90ZXh0cmVnaW9uOjBkNGNjNzEyNWZiOTRlYjliNGIxMzkwNDkwMzFmODJiXzU_48104627-43ff-4cdb-be20-c501dfa56bd8" continuedAt="i4638f3009aee41e09da2b5b9a6c23fac" escape="true">Financial assets at fair value through other comprehensive income</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_784"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">13.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i4638f3009aee41e09da2b5b9a6c23fac" continuedAt="i7e7d16583dbd4ba5be8494378b237c2e">Breakdown of the balance</ix:continuation></span></div><ix:continuation id="i7e7d16583dbd4ba5be8494378b237c2e" continuedAt="i0171ec8f61c74b5d9184c39ce5d43ec2"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90ZXh0cmVnaW9uOmM4NDllNTJjN2EzYzRjNzFiYzhmZjExOWJkYzAyYmY5XzE3MA_8b2ec288-261f-454f-9cd4-52fd37565d3c" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance by the main financial instruments in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:54.678%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.229%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzItMi0xLTEtNzE0Nzc0_fb5c08b8-eb7e-4a5f-8037-c2f840cdd426">1,198</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzItMy0xLTEtNzE0Nzc0_39bbed2a-ec7b-480c-8c52-b7df3c9e4f6f">1,320</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzItNC0xLTEtNzE0Nzc0_eddf6b9d-1415-4203-bac4-5d2535ee5527">1,100</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzMtMi0xLTEtNzE0Nzc0_9d547874-d1d1-48bf-bb01-bce8ac65f17a">57,755</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzMtMy0xLTEtNzE0Nzc0_281038ab-4bf6-473f-bcb5-919e89143a98">59,074</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzMtNC0xLTEtNzE0Nzc0_bc9f578f-5595-493c-9cdd-554a7557ef1c">68,308</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzQtMi0xLTEtNzE0Nzc0_204a368b-f2a2-4677-add9-f4400e40e98c">26</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzQtMy0xLTEtNzE0Nzc0_f9260578-e541-4376-81b6-303e529621ac">27</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzQtNC0xLTEtNzE0Nzc0_5fca273e-d666-4aad-822e-d79226b25310">33</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzUtMi0xLTEtNzE0Nzc0_07fd998e-81da-4c28-bf66-6a595af6dffc">58,980</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzUtMy0xLTEtNzE0Nzc0_581ba112-4b7e-4a75-ba64-26d5aedd11f7">60,421</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzUtNC0xLTEtNzE0Nzc0_1fda5a1c-f539-4d9a-af4c-95958d2225d2">69,440</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: loss allowances of debt securities</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:OfWhichLossAllowancesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzYtMi0xLTEtNzE0Nzc0_6e3b44da-725e-4830-a3b7-249f32b78ee3">121</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:OfWhichLossAllowancesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzYtMy0xLTEtNzE0Nzc0_e89146c1-2e02-488e-80fb-49605478c5e4">74</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:OfWhichLossAllowancesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90YWJsZTo5YTljNjYyM2VjMzM0YjJiYjk4MDVlZWZmNDA2M2ExNy90YWJsZXJhbmdlOjlhOWM2NjIzZWMzMzRiMmJiOTgwNWVlZmY0MDYzYTE3XzYtNC0xLTEtNzE0Nzc0_e04fec04-35d7-42a9-a8dc-eb8ead91d99d">97</ix:nonFraction>)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODQvZnJhZzpjODQ5ZTUyYzdhM2M0YzcxYmM4ZmYxMTliZGMwMmJmOS90ZXh0cmVnaW9uOmM4NDllNTJjN2EzYzRjNzFiYzhmZjExOWJkYzAyYmY5XzU3MTc0NjA0NjQ1MTU4_a22351d8-4ca7-4e6c-ab32-724ee5b95291" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation, in 2021 corresponds mainly to changes in the portfolio of financial assets issued by governments in BBVA, S.A.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During financial years 2022, 2021 and 2020, there have been no significant reclassifications from the heading &#8220;Financial assets at fair value through other comprehensive income&#8221; to other headings or from other headings to &#8220;Financial assets at fair value through other comprehensive income&#8221;.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-111</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_787"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">13.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i0171ec8f61c74b5d9184c39ce5d43ec2" continuedAt="i845179be314540ee82fd51340b82ddf3">Equity instruments</ix:continuation></span></div><ix:continuation id="i845179be314540ee82fd51340b82ddf3" continuedAt="ie6eb9f85240a40158824b2675b9fdf20"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90ZXh0cmVnaW9uOjY3MDZiOGU2OTMwYzRlM2JhYWM4NjAxNjI2YmMyN2MzXzQx_6d2384dd-1dc1-4999-8179-dc3c7fe849bd" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under the heading "Equity instruments" of the consolidated financial statements as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:15.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.236%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.164%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.164%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.164%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.236%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.855%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.860%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">&#160;value</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">&#160;value </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">&#160;value </span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Listed equity instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Spanish companies shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6258b003867a4707a7b6cc94829336c0_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtMS0xLTEtNzE0Nzc0_4d36b5c7-5855-425b-9612-5ab8e82c7a15">2,235</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6258b003867a4707a7b6cc94829336c0_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtMi0xLTEtNzE0Nzc0_90e327d0-0dc7-41e0-aa39-59d917ad89e4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6258b003867a4707a7b6cc94829336c0_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtMy0xLTEtNzE0Nzc0_35d9b681-fd1f-4c57-970e-d9be9025d367">1,274</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6258b003867a4707a7b6cc94829336c0_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtNC0xLTEtNzE0Nzc0_0f7195c9-1881-4dd8-ae27-a6a803bb302f">960</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae651d7ef96946d0aa7f36174731a38e_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtNS0xLTEtNzE0Nzc0_1682329e-c16d-4b7c-bc44-0a20eea81267">2,235</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae651d7ef96946d0aa7f36174731a38e_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtNi0xLTEtNzE0Nzc0_70b7f6a6-45f0-415f-be60-63a7456b12ba">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iae651d7ef96946d0aa7f36174731a38e_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtNy0xLTEtNzE0Nzc0_d133f7ca-84f5-489b-93a6-abedc5ec3d37">1,146</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae651d7ef96946d0aa7f36174731a38e_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtOC0xLTEtNzE0Nzc0_f3483d13-a964-4f1a-88a1-c9fe73c48bde">1,088</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12a0e0a4fbd74751af055e97398f6b6b_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtOS0xLTEtNzE0Nzc0_492c0da7-f31d-4d9f-b14b-cba6b0f70644">2,182</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12a0e0a4fbd74751af055e97398f6b6b_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtMTAtMS0xLTcxNDc3NA_b34fe80b-533e-4ab3-8c1f-3e648f49d193">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i12a0e0a4fbd74751af055e97398f6b6b_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtMTEtMS0xLTcxNDc3NA_15d7f38b-bc42-4709-bf59-bfd70b70655b">1,309</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12a0e0a4fbd74751af055e97398f6b6b_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzQtMTItMS0xLTcxNDc3NA_8287ce2e-7796-47db-8163-0534b29b738f">873</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Foreign companies shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a9e7fa83cbd403c92c4d745509e6a9e_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtMS0xLTEtNzE0Nzc0_7c33eb25-8197-4d8c-9e3c-a8dd34b6fab2">102</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a9e7fa83cbd403c92c4d745509e6a9e_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtMi0xLTEtNzE0Nzc0_db5e75a1-8bad-42f1-bd40-82ac427aaf03">44</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3a9e7fa83cbd403c92c4d745509e6a9e_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtMy0xLTEtNzE0Nzc0_92423e71-9ccd-45cf-afc0-0b8f2424d0e8">8</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a9e7fa83cbd403c92c4d745509e6a9e_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtNC0xLTEtNzE0Nzc0_83458a4e-7457-4323-bc67-5def1aa76967">138</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i118d871b9d9344ca933b8f5bdf69b8bf_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtNS0xLTEtNzE0Nzc0_7a09a2e4-6557-4c9a-be74-3349291f9ac9">98</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i118d871b9d9344ca933b8f5bdf69b8bf_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtNi0xLTEtNzE0Nzc0_22d14815-5642-4082-95ca-7e1d1456fa7f">35</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i118d871b9d9344ca933b8f5bdf69b8bf_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtOC0xLTEtNzE0Nzc0_36031749-e0a1-491b-b32f-2c58b951cc48">125</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5791849fc33d40b1b3a87b19f67b5be4_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzUtOS0xLTEtNzE0Nzc0_4f91f58a-bb6d-4925-ae4b-98f8d4410fff">100</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5791849fc33d40b1b3a87b19f67b5be4_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzctNC0xLTEtNzE0Nzc0_4fa96dd8-e634-465d-bb56-21800afdb108">31</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib41ff1bf69e24a41bfbbf4f0f8655025_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzctOS0xLTEtNzE0Nzc0_3c74cb7b-5688-40e8-8174-dba90922a1fc">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i978b72ac66254c31933cf1a6e0c174ac_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzctMTItMS0xLTcxNDc3NA_016b992e-7c46-4a84-a7f8-4dfd89229920">34</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id061dabe842041cc8dfbfb0b3a7db357_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtMS0xLTEtNzE0Nzc0_bcd86108-bbad-4ec6-ada1-dc5e158d3597">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id061dabe842041cc8dfbfb0b3a7db357_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtMi0xLTEtNzE0Nzc0_e4e78288-4373-4097-81e7-4b9374b99692">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id061dabe842041cc8dfbfb0b3a7db357_I20221231" decimals="-6" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtNC0xLTEtNzE0Nzc0_8cb220b4-c2b3-4bed-942a-ae1c68eead99">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if632be497a7542f4809b1f5d7a2429f8_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtNi0xLTEtNzE0Nzc0_ea318b63-c757-4a83-9afd-c9cb72901f2a">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if632be497a7542f4809b1f5d7a2429f8_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtOC0xLTEtNzE0Nzc0_092bb3c7-b702-444d-8d31-bd50f34bfb7a">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i635e04038e3840658cdf3b3446d2c74c_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtOS0xLTEtNzE0Nzc0_a3432ad8-73a5-44c9-adfd-21da01221646">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i635e04038e3840658cdf3b3446d2c74c_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzgtMTAtMS0xLTcxNDc3NA_60bf9218-d23f-4d13-a8ec-19f371a54f39">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i635e04038e3840658cdf3b3446d2c74c_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:fixed-zero" scale="6" 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contextRef="i1b1340ad0fa74e94879b393d1e5cbb29_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktMS0xLTEtNzE0Nzc0_b79d6e9a-6834-48aa-aecd-49aa9c4f0f42">57</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b1340ad0fa74e94879b393d1e5cbb29_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktMi0xLTEtNzE0Nzc0_5cea00e1-cbde-4abc-81ad-3a5cca4c4243">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1b1340ad0fa74e94879b393d1e5cbb29_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktMy0xLTEtNzE0Nzc0_074d807c-4aa6-4826-89c5-c592e647a580">8</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1b1340ad0fa74e94879b393d1e5cbb29_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktNC0xLTEtNzE0Nzc0_15ce9ccf-3ded-49b9-b407-1c1702cf118c">56</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09d81288212e432488ee79292885ffdc_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktNS0xLTEtNzE0Nzc0_cc27fedc-d0ac-4e67-90c4-effa8dfec4f1">69</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09d81288212e432488ee79292885ffdc_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktNi0xLTEtNzE0Nzc0_3b798e79-f2b7-44dd-a861-db092c6c1aa7">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i09d81288212e432488ee79292885ffdc_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktNy0xLTEtNzE0Nzc0_24e8e437-9342-4081-9ec4-372840d1dfc8">8</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09d81288212e432488ee79292885ffdc_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktOC0xLTEtNzE0Nzc0_09badca8-fa1d-4583-8d35-e9649774aa21">63</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93ed50cb32f446b3ad75c042c1577fa5_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktOS0xLTEtNzE0Nzc0_dac70ad9-59cc-4c42-9f0b-0e48e086fe06">70</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93ed50cb32f446b3ad75c042c1577fa5_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktMTAtMS0xLTcxNDc3NA_3e831af1-a8d3-4fc2-b1cd-e67fa5c754ef">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i93ed50cb32f446b3ad75c042c1577fa5_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktMTEtMS0xLTcxNDc3NA_e8acc909-b122-42f3-874c-189263eac38f">17</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93ed50cb32f446b3ad75c042c1577fa5_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzktMTItMS0xLTcxNDc3NA_9d8df8da-849e-4eec-af44-e632f94d6f2b">54</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Subtotal listed equity instruments</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifed04106cccc4485bc23e1890ad2fe6c_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTEtMS0xLTcxNDc3NA_8a989df0-2da7-4673-91ea-bdab7144fc45">2,336</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifed04106cccc4485bc23e1890ad2fe6c_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTItMS0xLTcxNDc3NA_b4ec9a5f-1add-4a72-9fb9-95e8a799c8ec">44</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ifed04106cccc4485bc23e1890ad2fe6c_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTMtMS0xLTcxNDc3NA_2d95a2b9-1401-4056-8365-84af3441872c">1,282</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifed04106cccc4485bc23e1890ad2fe6c_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTQtMS0xLTcxNDc3NA_00252eaf-7996-4b79-a565-6bf6530cd5f7">1,098</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffe4ddf42f8d41a98b497b3868478604_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTUtMS0xLTcxNDc3NA_a5dd2303-ab33-492d-975c-53be4f4c96c5">2,333</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffe4ddf42f8d41a98b497b3868478604_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTYtMS0xLTcxNDc3NA_549d8ac0-c409-4718-b81c-5e711a04cb06">35</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iffe4ddf42f8d41a98b497b3868478604_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTctMS0xLTcxNDc3NA_a4e44c57-7df9-47d1-8593-33dcb1560cc2">1,154</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffe4ddf42f8d41a98b497b3868478604_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTgtMS0xLTcxNDc3NA_3bb05a0a-3d7a-4a96-9eb3-d94aaa9721a9">1,214</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e4ea7f67fe2496495fe61bc5e2288d8_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTktMS0xLTcxNDc3NA_0c9184b1-21ff-4c34-8e71-4f540b377ee2">2,282</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e4ea7f67fe2496495fe61bc5e2288d8_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTEwLTEtMS03MTQ3NzQ_5461acb5-049f-4857-ac54-c3385c7da4de">38</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3e4ea7f67fe2496495fe61bc5e2288d8_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTExLTEtMS03MTQ3NzQ_6a307fad-1bdd-4e22-a49e-ccc0b5903646">1,326</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e4ea7f67fe2496495fe61bc5e2288d8_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEwLTEyLTEtMS03MTQ3NzQ_605297b9-497c-4cc6-8091-c1cdd993c973">995</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unlisted equity instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Spanish companies shares</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia37d7982f2c7424494f552fb485242f0_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTEtMS0xLTcxNDc3NA_2a9f25ac-862d-41eb-9e35-8b5805c94d69">6</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia37d7982f2c7424494f552fb485242f0_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTItMS0xLTcxNDc3NA_4bb60f2b-2df9-481c-9c54-c36ddb5c86c7">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia37d7982f2c7424494f552fb485242f0_I20221231" decimals="-6" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTMtMS0xLTcxNDc3NA_02141fc0-103c-488f-8bdf-c9bcc1fb07e9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia37d7982f2c7424494f552fb485242f0_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTQtMS0xLTcxNDc3NA_987fc47d-5935-416d-bf82-4bf39efbb1ac">12</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32d453071ae546b29f150bca9fd3b53b_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTUtMS0xLTcxNDc3NA_c51315af-5707-46f5-8926-ccb6b731bcaa">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32d453071ae546b29f150bca9fd3b53b_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTYtMS0xLTcxNDc3NA_3c8bb3a5-7cb0-4c03-802e-9c409019f462">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32d453071ae546b29f150bca9fd3b53b_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTctMS0xLTcxNDc3NA_1a7de2f7-6e09-4810-9303-48ce99972671">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32d453071ae546b29f150bca9fd3b53b_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTgtMS0xLTcxNDc3NA_611e6eca-e661-4e16-a291-92010a26cca0">11</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i028cefa54f924d81aa9a070a5abdc6e8_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTktMS0xLTcxNDc3NA_7c30ac44-41b6-4764-9d81-5898cc56a94f">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i028cefa54f924d81aa9a070a5abdc6e8_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTEwLTEtMS03MTQ3NzQ_a5072ee7-71f0-4fde-b2df-6a7974573a38">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i028cefa54f924d81aa9a070a5abdc6e8_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEyLTEyLTEtMS03MTQ3NzQ_8fd04fef-cf0b-4fb1-b5e4-b90a3de1dd87">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Foreign companies shares </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5826a7c32cad44658461d9e06752e637_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTEtMS0xLTcxNDc3NA_50f4f865-4d51-4b8b-96e6-bb9f95e0790c">25</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5826a7c32cad44658461d9e06752e637_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTQtMS0xLTcxNDc3NA_74b6919e-ab78-45fc-a28f-89bb09dc3222">87</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b1b7a03563a425ba3b7a9d84c10de60_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTYtMS0xLTcxNDc3NA_40f6fa67-3e5d-4f7c-a5fc-0a2fa536560b">41</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5b1b7a03563a425ba3b7a9d84c10de60_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTctMS0xLTcxNDc3NA_20be1680-ed73-41c2-a8c8-64eb11b93648">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b1b7a03563a425ba3b7a9d84c10de60_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTgtMS0xLTcxNDc3NA_5ac802b8-c306-4aa0-ad93-578ca18d847f">95</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9238c2d8c9c84ec9a8ff0eae609c24f4_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTktMS0xLTcxNDc3NA_621904fe-479c-41a9-b3c1-c92e8de2a7b3">58</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9238c2d8c9c84ec9a8ff0eae609c24f4_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTEwLTEtMS03MTQ3NzQ_32fc74c8-a3ce-492b-b3ee-887bdf3c9af3">43</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9238c2d8c9c84ec9a8ff0eae609c24f4_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTExLTEtMS03MTQ3NzQ_48f89872-ab3e-40eb-ab47-368d21878223">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9238c2d8c9c84ec9a8ff0eae609c24f4_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzEzLTEyLTEtMS03MTQ3NzQ_f64f3644-df0f-4c45-802f-f563013dfa50">100</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">The United States</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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contextRef="i98c3d142fa184a5292b651aa9393ada7_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE3LTEtMS0xLTcxNDc3NA_8710baf9-f85c-4e94-8ab9-66c62cf17264">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98c3d142fa184a5292b651aa9393ada7_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE3LTQtMS0xLTcxNDc3NA_aba44698-6519-45d5-9e93-563776d8af55">81</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id97d33f4bd8d433695e3351f371ebc20_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE3LTEwLTEtMS03MTQ3NzQ_d3f7a82d-8789-4bd3-8718-5b3ea131ef58">43</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3c748c66015e43aba482e3c9e93a02f9_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE3LTExLTEtMS03MTQ3NzQ_87c81b61-ffba-479d-a7b1-b4500a5bbbdf">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c748c66015e43aba482e3c9e93a02f9_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE3LTEyLTEtMS03MTQ3NzQ_5b242c09-3f4d-42c6-8389-679019d1f5ab">94</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Subtotal unlisted equity instruments</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46628f9437dd40f08a5513e7d2517aa1_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTEtMS0xLTcxNDc3NA_03d75030-3c8f-41f5-b093-09d54b1116cb">31</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46628f9437dd40f08a5513e7d2517aa1_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTItMS0xLTcxNDc3NA_c8c5ad06-b79f-4ba0-aa44-14427dfbdcd6">71</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i46628f9437dd40f08a5513e7d2517aa1_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTMtMS0xLTcxNDc3NA_965f9337-2d8f-4af7-83fb-be47428ce0f1">2</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46628f9437dd40f08a5513e7d2517aa1_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTQtMS0xLTcxNDc3NA_801a6721-26fd-40e8-be79-49b3edf2975c">100</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia68755600b8f4e43a03898457de0897d_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTUtMS0xLTcxNDc3NA_0562d74a-8a21-47db-9aef-8366bc72b485">60</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia68755600b8f4e43a03898457de0897d_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTYtMS0xLTcxNDc3NA_d5acba90-1038-49c3-9121-5a9398a649c3">48</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia68755600b8f4e43a03898457de0897d_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTctMS0xLTcxNDc3NA_fec5ce2c-91cc-41d8-9918-a9268c60269c">1</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia68755600b8f4e43a03898457de0897d_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTgtMS0xLTcxNDc3NA_d173563a-9b9a-4061-b7b3-1fa09fc8011a">107</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib12703025c4541cf81ee4b539a323770_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTktMS0xLTcxNDc3NA_65dd29a5-707f-49cf-b05d-cdfa3c7fc635">62</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib12703025c4541cf81ee4b539a323770_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTEwLTEtMS03MTQ3NzQ_ccea8aa6-a074-44cd-bd88-35fe129a3633">44</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib12703025c4541cf81ee4b539a323770_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTExLTEtMS03MTQ3NzQ_1f32657f-ec03-4b1c-a603-808d7a7f50c9">1</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib12703025c4541cf81ee4b539a323770_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE4LTEyLTEtMS03MTQ3NzQ_dc5db085-c23a-48af-86c6-b82a60e6f441">105</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9653acec0c9d4308a825e6ca4014875c_I20221231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTEtMS0xLTcxNDc3NA_ade67c87-8224-413a-8e86-a109ea3d9f57">2,367</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9653acec0c9d4308a825e6ca4014875c_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTItMS0xLTcxNDc3NA_44fef278-bca9-49eb-9552-f9ceaaee2e0a">115</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9653acec0c9d4308a825e6ca4014875c_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTMtMS0xLTcxNDc3NA_372a8513-5452-4450-9ac7-383f46405492">1,284</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9653acec0c9d4308a825e6ca4014875c_I20221231" decimals="-6" name="bbva:FairValueOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTQtMS0xLTcxNDc3NA_d0e7acab-b3f7-4238-9ab4-6fafec51b993">1,198</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9db11576e19341bca78a4c9439d6cd0c_I20211231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTUtMS0xLTcxNDc3NA_4a84d1b5-6a30-4373-9124-db6eee46fd1a">2,393</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9db11576e19341bca78a4c9439d6cd0c_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTYtMS0xLTcxNDc3NA_8423e747-ca4e-4af9-bacc-df7b3462dfbf">83</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9db11576e19341bca78a4c9439d6cd0c_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTctMS0xLTcxNDc3NA_fb424558-38a5-421e-b95e-03cbcf2d677e">1,155</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9db11576e19341bca78a4c9439d6cd0c_I20211231" decimals="-6" name="bbva:FairValueOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTgtMS0xLTcxNDc3NA_1e16905c-9a6e-40d0-a0d2-8e881536d88b">1,320</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i280eb77f678d4a71ac81100048b7c6a8_I20201231" decimals="-6" name="bbva:CostOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTktMS0xLTcxNDc3NA_063c21cf-07ba-4280-93c8-b3074de628d9">2,344</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i280eb77f678d4a71ac81100048b7c6a8_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfEquityInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTEwLTEtMS03MTQ3NzQ_04a7df53-0f91-44b8-b297-07d994ceba07">82</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i280eb77f678d4a71ac81100048b7c6a8_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTExLTEtMS03MTQ3NzQ_8661d8a3-de74-40e8-a5d9-9f8224ab349d">1,327</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i280eb77f678d4a71ac81100048b7c6a8_I20201231" decimals="-6" name="bbva:FairValueOfEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83ODcvZnJhZzo2NzA2YjhlNjkzMGM0ZTNiYWFjODYwMTYyNmJjMjdjMy90YWJsZTpmNjExMTdhNThiOTM0OTA5YTI0YmNhMmQyYzNkMjg3Ni90YWJsZXJhbmdlOmY2MTExN2E1OGI5MzQ5MDlhMjRiY2EyZDJjM2QyODc2XzE5LTEyLTEtMS03MTQ3NzQ_9f2b495b-a31f-4ac0-8475-363aecd77472">1,100</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-112</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_790"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">13.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ie6eb9f85240a40158824b2675b9fdf20" continuedAt="i89e4e8be9e394379a6afeee8adf7e606">Debt securities</ix:continuation></span></div><ix:continuation id="i89e4e8be9e394379a6afeee8adf7e606" continuedAt="i7c99fe892ffb4aeeb7d9d137da03308d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90ZXh0cmVnaW9uOmI3NTMwODA1ODk4NTQ1NzI4N2ZkOTNkM2RkODQ1ZDk2XzU2_ec8e72f4-131e-4852-aaaf-a27442b245df" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under the heading &#8220;Debt securities&#8221; of the consolidated financial statements as of December 31, 2022, 2021 and 2020, broken down by issuers, is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.842%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Amortized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">cost</span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">value</span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Amortized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">cost </span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">value</span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Amortized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">cost </span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">value</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Domestic debt securities</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f0a8ca19c4a43d4bad2433088f5bce1_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtMi0xLTEtNzE0Nzc0_ed48b7ce-303f-46c6-8d29-2320831b1641">17,799</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f0a8ca19c4a43d4bad2433088f5bce1_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtMy0xLTEtNzE0Nzc0_40503269-0043-41b9-be9d-f3be5e713ddf">154</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0f0a8ca19c4a43d4bad2433088f5bce1_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtNC0xLTEtNzE0Nzc0_35e536ad-6d4e-40f2-96d7-280e8fcbb83b">524</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f0a8ca19c4a43d4bad2433088f5bce1_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtNS0xLTEtNzE0Nzc0_85a6d1db-9e4d-4e62-a085-7a3361c90622">17,429</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i076987d8aac84c019a483bba699a3c8e_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtNi0xLTEtNzE0Nzc0_2c8b4480-26a6-47c2-aed7-cb06f3933907">15,889</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i076987d8aac84c019a483bba699a3c8e_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtNy0xLTEtNzE0Nzc0_2efafda9-4219-44db-a8c8-4b4b279ebaff">656</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i076987d8aac84c019a483bba699a3c8e_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtOC0xLTEtNzE0Nzc0_2cb7c791-17bf-4c4a-ac4a-977c882a93a1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i076987d8aac84c019a483bba699a3c8e_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtOS0xLTEtNzE0Nzc0_167e8980-9a2f-4e34-aac8-ae3553e29a66">16,544</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i243153dafbdf4fe995ada30fc8dd4964_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtMTAtMS0xLTcxNDc3NA_0336c793-c74b-401d-86ba-bbf1bf26f033">28,582</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i243153dafbdf4fe995ada30fc8dd4964_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtMTEtMS0xLTcxNDc3NA_102a3c62-81bc-43ee-9dba-3a61ec1d59dc">801</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i243153dafbdf4fe995ada30fc8dd4964_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQtMTItMS0xLTcxNDc3NA_ccaf490f-5012-493e-9053-d41b3453a55c">16</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i243153dafbdf4fe995ada30fc8dd4964_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtNS0xLTEtNzE0Nzc0_e2cbc585-de88-4c96-b774-e871395b37b7">854</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb89491cb0468ba92f1e0d6a1c95be_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtNi0xLTEtNzE0Nzc0_e0c1ad60-fefd-412a-ac45-944cf6ae43e1">1,125</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb89491cb0468ba92f1e0d6a1c95be_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtNy0xLTEtNzE0Nzc0_9748f8e7-e991-4a86-95f2-cb1381568034">51</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb89491cb0468ba92f1e0d6a1c95be_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtOC0xLTEtNzE0Nzc0_5a3f69e0-5cf4-48c5-908a-f68da6ac6694">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85fb89491cb0468ba92f1e0d6a1c95be_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtOS0xLTEtNzE0Nzc0_d719615f-4230-496b-8c20-02bd310d3d14">1,176</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i782ad9bdc9dc47df981ea31bdc6ac7cc_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtMTAtMS0xLTcxNDc3NA_a8850f70-06f3-421e-8147-7796529e1ea4">1,363</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i782ad9bdc9dc47df981ea31bdc6ac7cc_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtMTEtMS0xLTcxNDc3NA_450d1b06-32b5-43d9-b5e4-55ab0d05508e">76</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i782ad9bdc9dc47df981ea31bdc6ac7cc_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtMTItMS0xLTcxNDc3NA_9027b310-5b7a-4ccc-9133-9000c8c17f2d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i782ad9bdc9dc47df981ea31bdc6ac7cc_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzYtMTMtMS0xLTcxNDc3NA_e61c56d2-18e1-4a89-8fb1-d578f88c5f3b">1,439</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3e94dd8949442ada37754d2fe99097e_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctMi0xLTEtNzE0Nzc0_2b4affee-0219-457e-9c4b-f61e72717edc">500</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3e94dd8949442ada37754d2fe99097e_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctMy0xLTEtNzE0Nzc0_8c92a89f-e5cc-472d-ba12-901e4e15864a">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if3e94dd8949442ada37754d2fe99097e_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctNC0xLTEtNzE0Nzc0_3cd3e764-03e7-4e93-b4ad-d3fb33b8f9fb">10</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3e94dd8949442ada37754d2fe99097e_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctNS0xLTEtNzE0Nzc0_f647a6bd-ed75-4c20-9ead-5fa94cc6bd96">495</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0517cd92e63407a800bde079ac8c601_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctNi0xLTEtNzE0Nzc0_36d3bbd5-32f2-4ab5-8c4e-63419eeac1b6">612</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0517cd92e63407a800bde079ac8c601_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctNy0xLTEtNzE0Nzc0_a0d4110f-d231-441c-b53f-6a93aaf41cfc">24</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic0517cd92e63407a800bde079ac8c601_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctOC0xLTEtNzE0Nzc0_b2df97d4-7c03-428a-9cd0-d4b23554f3eb">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0517cd92e63407a800bde079ac8c601_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctOS0xLTEtNzE0Nzc0_0c0956b3-361e-48b1-b9be-604f7ba9c257">635</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8fd73338cf384606ae8eda4ddb080c9b_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctMTAtMS0xLTcxNDc3NA_b7ceecd3-37cf-4034-870f-9938720d67b2">867</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8fd73338cf384606ae8eda4ddb080c9b_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctMTEtMS0xLTcxNDc3NA_24be2f16-c67d-4bbb-a8e6-49b2f068537e">40</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8fd73338cf384606ae8eda4ddb080c9b_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctMTItMS0xLTcxNDc3NA_2372fb5e-b432-46d0-952f-2469d624b3e2">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8fd73338cf384606ae8eda4ddb080c9b_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzctMTMtMS0xLTcxNDc3NA_659a364f-80dd-4ee7-8073-f1ae7e58e6df">906</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Subtotal </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7647d8edc9f046dd83a7da3ae520522e_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtMi0xLTEtNzE0Nzc0_f8714f92-8ffe-4503-8dba-1392f1c663b5">19,164</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7647d8edc9f046dd83a7da3ae520522e_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtMy0xLTEtNzE0Nzc0_1be86d11-0309-470b-88a7-a28c409b4a9a">169</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7647d8edc9f046dd83a7da3ae520522e_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtNC0xLTEtNzE0Nzc0_c59e10d5-f272-4406-a4b9-71088b925882">555</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7647d8edc9f046dd83a7da3ae520522e_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtNS0xLTEtNzE0Nzc0_e4621644-3835-4d10-83f5-5c2b63329cbf">18,779</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d709cbab89149a3b86bfd4ee7c59287_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtNi0xLTEtNzE0Nzc0_45501647-ac8f-4f08-9275-d54f5e752fed">17,625</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d709cbab89149a3b86bfd4ee7c59287_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtNy0xLTEtNzE0Nzc0_c086bb60-98ef-4ebd-87ab-2f217a7f458a">731</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2d709cbab89149a3b86bfd4ee7c59287_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtOC0xLTEtNzE0Nzc0_80b82306-b3ca-477b-a25c-fccb518a562d">2</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d709cbab89149a3b86bfd4ee7c59287_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtOS0xLTEtNzE0Nzc0_2e2581a7-d175-45a4-bdcf-9c9c9e452360">18,355</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d3e33f21d0c40dfa820fc69001e92f1_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtMTAtMS0xLTcxNDc3NA_1ec0d1b8-f71a-4890-9738-eacbac8985cc">30,811</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d3e33f21d0c40dfa820fc69001e92f1_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtMTEtMS0xLTcxNDc3NA_971e8686-4f49-4370-838a-1813d42a5399">917</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0d3e33f21d0c40dfa820fc69001e92f1_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtMTItMS0xLTcxNDc3NA_341d6d47-e8c7-40a4-a723-fae1ddf7b61e">17</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d3e33f21d0c40dfa820fc69001e92f1_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzgtMTMtMS0xLTcxNDc3NA_af99f767-c36a-4b22-9a03-c81d90b2d15e">31,712</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Foreign debt securities</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3265e610670459fae69036bb1447533_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTItMS0xLTcxNDc3NA_7776de3d-baa0-457f-bf8c-5d34d728d606">11,566</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3265e610670459fae69036bb1447533_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTMtMS0xLTcxNDc3NA_00fb9f48-6d3c-457d-afad-9f534b3f039f">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib3265e610670459fae69036bb1447533_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTQtMS0xLTcxNDc3NA_728c9f1d-4575-4e2b-ba71-2d305a94f76c">759</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3265e610670459fae69036bb1447533_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTUtMS0xLTcxNDc3NA_fe18e599-b5d0-4a39-b6a9-b6dc832f2f2e">10,810</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9d9bae160ec4b95a20c89795bfd5657_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTYtMS0xLTcxNDc3NA_b4883ff7-722a-4a1a-b059-7e04e5cbb4ac">11,097</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9d9bae160ec4b95a20c89795bfd5657_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTctMS0xLTcxNDc3NA_1c2683a4-401c-4a18-aa09-942e35b36821">32</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic9d9bae160ec4b95a20c89795bfd5657_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTgtMS0xLTcxNDc3NA_029b1d2c-7ce8-4af7-a1b3-71d9b6580ad3">359</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9d9bae160ec4b95a20c89795bfd5657_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTktMS0xLTcxNDc3NA_6952ca0b-b421-496e-9955-81a4d516b8f3">10,769</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaedaf28c78384efaa5844415f336aa3c_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTEwLTEtMS03MTQ3NzQ_8552716b-fb05-4a35-bc7c-42dd82d1ba01">9,107</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaedaf28c78384efaa5844415f336aa3c_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTExLTEtMS03MTQ3NzQ_bdc42b12-db60-4a4d-b6cf-5558880cfd3b">291</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaedaf28c78384efaa5844415f336aa3c_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTEyLTEtMS03MTQ3NzQ_a8854a36-fe59-4ef5-b4b5-406bcc22a814">3</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaedaf28c78384efaa5844415f336aa3c_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEwLTEzLTEtMS03MTQ3NzQ_77694dfd-86cb-4114-8396-a02f2de74494">9,395</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4a8a4cd652a4be783c059288afef7c9_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzExLTItMS0xLTcxNDc3NA_8d1bcd2d-8043-4b68-b7a5-6b2378d3e3fa">11,013</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4a8a4cd652a4be783c059288afef7c9_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzExLTMtMS0xLTcxNDc3NA_dd7f2e11-cf1e-473c-ad26-db5a4c8a04e6">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib4a8a4cd652a4be783c059288afef7c9_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzExLTQtMS0xLTcxNDc3NA_1b280bc9-69af-44bc-9393-6d91576550b3">736</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4a8a4cd652a4be783c059288afef7c9_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzExLTUtMS0xLTcxNDc3NA_46b6a757-4ba2-4fac-b0dd-6b848e588057">10,278</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb70d37c166142039a3cd3e1b74886d4_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" 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name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTItMS0xLTcxNDc3NA_1f1a7f99-64c5-4892-b5fd-248b1229414f">130</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i154a9d94eb61486c9c1353614b1da77d_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTUtMS0xLTcxNDc3NA_2adf18d4-2bb2-4a78-b455-d5528e18f33b">119</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5620bb90a59649c48299964f6dc94065_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTYtMS0xLTcxNDc3NA_c804d9b2-e5a6-4c3f-a9b0-76ba5bad8fd6">120</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5620bb90a59649c48299964f6dc94065_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTctMS0xLTcxNDc3NA_48a6f3a5-cf13-432b-95ad-302df967bb7b">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5620bb90a59649c48299964f6dc94065_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTgtMS0xLTcxNDc3NA_de857a3d-fe54-4846-bc84-85fa94fe4984">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5620bb90a59649c48299964f6dc94065_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTktMS0xLTcxNDc3NA_22958398-835a-4d63-8953-36a58580d37c">118</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba88857f2b524bff9ac9b46d6ea557ce_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTEwLTEtMS03MTQ3NzQ_78321f33-1712-4e18-9d13-c240ad0b194a">113</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba88857f2b524bff9ac9b46d6ea557ce_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTExLTEtMS03MTQ3NzQ_6c010766-71ec-4724-b6c5-893e2af5fa37">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba88857f2b524bff9ac9b46d6ea557ce_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzEzLTEzLTEtMS03MTQ3NzQ_73dd855f-df64-4cf4-bc58-feb4330f7694">118</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieab6183fd646475799600c9893cc2628_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTMtMS0xLTcxNDc3NA_9ffd9bd5-2ada-4486-9868-0a043e0e2a76">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieab6183fd646475799600c9893cc2628_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTQtMS0xLTcxNDc3NA_c1f99a79-8870-4d38-90cd-0f20592d008d">12</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieab6183fd646475799600c9893cc2628_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTUtMS0xLTcxNDc3NA_25a7c2f1-d131-455d-a95f-23b193aaeea3">413</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i601aab0670dc47dcb46d93fd9bf370f8_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTYtMS0xLTcxNDc3NA_e2e9eb34-4232-4579-992a-a73f1aed30f1">509</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i601aab0670dc47dcb46d93fd9bf370f8_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTctMS0xLTcxNDc3NA_977a29d3-fc30-47c2-9b69-52f81e278052">7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i601aab0670dc47dcb46d93fd9bf370f8_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTgtMS0xLTcxNDc3NA_052c267d-f940-403d-9294-aa8d937d8d78">6</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i601aab0670dc47dcb46d93fd9bf370f8_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTktMS0xLTcxNDc3NA_cd2b0b6d-9356-4d8f-afff-7b43de0fb9e7">510</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61adb38e16504650bf3c766b2527d405_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTEwLTEtMS03MTQ3NzQ_f15aec4b-e323-4357-96c8-d4e3f5bdd704">685</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61adb38e16504650bf3c766b2527d405_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTExLTEtMS03MTQ3NzQ_29e84e4a-f93c-4ab9-8d37-47333a331167">15</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i61adb38e16504650bf3c766b2527d405_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTEyLTEtMS03MTQ3NzQ_e3c268ba-36d4-479d-af3c-9a775ae4ad99">2</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61adb38e16504650bf3c766b2527d405_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE0LTEzLTEtMS03MTQ3NzQ_7bce039e-2d36-4646-8e1c-6073597f703a">698</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Italy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2645896820c24323b39a4fead8130e92_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTItMS0xLTcxNDc3NA_7c6bcc70-754f-4c5e-84bc-4ae83b9fafaa">4,568</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2645896820c24323b39a4fead8130e92_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTMtMS0xLTcxNDc3NA_df62c712-9f40-4fc6-9ee2-79551ce0635a">53</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2645896820c24323b39a4fead8130e92_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTQtMS0xLTcxNDc3NA_723849da-2257-410b-ac03-a4f787561b5d">106</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2645896820c24323b39a4fead8130e92_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTUtMS0xLTcxNDc3NA_b7ee0b84-567c-4d57-ab99-61ac9ea861e0">4,515</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5b91a1521474ae38e3732866e48f573_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTYtMS0xLTcxNDc3NA_5d14e987-6f9e-430d-ab95-5bb35cfd0555">7,407</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5b91a1521474ae38e3732866e48f573_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTctMS0xLTcxNDc3NA_5dce7c1b-1afd-4e32-97a6-40d135e1fb73">213</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic5b91a1521474ae38e3732866e48f573_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTgtMS0xLTcxNDc3NA_377089f0-88aa-4097-8bca-a50f13d60896">12</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5b91a1521474ae38e3732866e48f573_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTktMS0xLTcxNDc3NA_9ebc8ad9-44bc-4f21-9265-9ab5bbe5f8cc">7,608</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20711d195be94a32bce2f51ea244db48_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTEwLTEtMS03MTQ3NzQ_5dbac4ed-fcf1-493f-aa0e-b89de19fe5b4">3,897</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20711d195be94a32bce2f51ea244db48_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTExLTEtMS03MTQ3NzQ_39fb64cb-9b6f-45e0-ac6d-19ccd10f03a4">367</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20711d195be94a32bce2f51ea244db48_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTEyLTEtMS03MTQ3NzQ_4ef31511-7bf7-42b2-b658-9f64bc39c254">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20711d195be94a32bce2f51ea244db48_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE1LTEzLTEtMS03MTQ3NzQ_e8e73a1d-c6b5-4f80-b988-b714cf685694">4,263</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d4931fef3134c35845486ad795f3150_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTItMS0xLTcxNDc3NA_04b78a9c-3ff1-4813-ad78-05d0d8b2e9f9">4,402</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d4931fef3134c35845486ad795f3150_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTMtMS0xLTcxNDc3NA_c917459b-e0e1-4799-a10f-1111d85c2bb0">52</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4d4931fef3134c35845486ad795f3150_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTQtMS0xLTcxNDc3NA_b2d3d69b-035e-4c3f-af12-50bd74ff41ec">104</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d4931fef3134c35845486ad795f3150_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTUtMS0xLTcxNDc3NA_2588ab95-aca8-4f5e-9fc8-07502caf7afc">4,349</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i778e4054ffed49129008519cc6c6f5cc_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTYtMS0xLTcxNDc3NA_b3522cba-188f-4dfb-941e-dc327611c3c3">7,274</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i778e4054ffed49129008519cc6c6f5cc_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTctMS0xLTcxNDc3NA_0237a749-1a70-4468-9646-78c63c6557d4">212</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i778e4054ffed49129008519cc6c6f5cc_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE2LTgtMS0xLTcxNDc3NA_1ec9ec75-fe77-4c44-9ff9-b0627fc2ea38">12</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i778e4054ffed49129008519cc6c6f5cc_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzE5LTktMS0xLTcxNDc3NA_9e01f7aa-e294-4ee8-885c-a142df4feed8">87</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifb1ee47bb9ec49edad64651f99c7c9c8_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIwLTEyLTEtMS03MTQ3NzQ_09821115-33c4-4aef-bb42-954e0d00d2e0">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22216f9499b849438f57d385a722674e_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIwLTEzLTEtMS03MTQ3NzQ_9cdeb3d6-07bc-4eed-b335-d83d265e5968">4,549</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7f2eff20ef547a685bcd6d007ab0d3b_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTItMS0xLTcxNDc3NA_52d26c4c-66e1-4641-a173-7763e2342577">2,824</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7f2eff20ef547a685bcd6d007ab0d3b_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTMtMS0xLTcxNDc3NA_79eaaaf3-1de2-4b70-a842-d0789990d62f">6</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7f2eff20ef547a685bcd6d007ab0d3b_I20221231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTUtMS0xLTcxNDc3NA_0004e8eb-7cff-49bd-ab7a-e1908dfb96d1">2,830</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if49f0ac34f25453c84802cd75dc7e316_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTYtMS0xLTcxNDc3NA_d83b2294-6ab0-4927-8e6c-6ba299b45a74">4,906</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if49f0ac34f25453c84802cd75dc7e316_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTctMS0xLTcxNDc3NA_0fca5676-4993-4eb0-8b9a-fcf4b13c6a25">7</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if49f0ac34f25453c84802cd75dc7e316_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTgtMS0xLTcxNDc3NA_33c07642-53ae-4a3e-8d4d-ca737ad2ee8a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if49f0ac34f25453c84802cd75dc7e316_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTktMS0xLTcxNDc3NA_6c8e0104-2030-40cd-bd0d-38582066a609">4,913</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02f0ee5fc24144118978fc9b9c63a6cc_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTEwLTEtMS03MTQ3NzQ_1ec1f3fb-b616-41ea-b061-3fba646fada9">4,492</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02f0ee5fc24144118978fc9b9c63a6cc_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTEyLTEtMS03MTQ3NzQ_f03ebdb7-c6e7-49a5-992d-07a15394113c">3</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02f0ee5fc24144118978fc9b9c63a6cc_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzIxLTEzLTEtMS03MTQ3NzQ_a278d926-f730-4f05-aae6-31cbff95ed5f">4,489</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81038e3a6a394da79502b854a64d609d_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI0LTUtMS0xLTcxNDc3NA_b73172de-46cf-45e1-8543-b257a3af3af6">83</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8183e0dbf4049339f4875127e3b7de6_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI0LTktMS0xLTcxNDc3NA_123b2310-2754-49ea-afd8-3178a7442408">37</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bff6a0e4f9d40899f6fa22961cf6ab7_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI0LTEwLTEtMS03MTQ3NzQ_dee0fc72-28ca-4bc3-afb3-981bbe016ec8">59</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bff6a0e4f9d40899f6fa22961cf6ab7_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI0LTEzLTEtMS03MTQ3NzQ_a0d68cdd-5e7d-4878-bfdb-cd959239bf33">60</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i616bf105dbad409297f10dc468bdceb8_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTItMS0xLTcxNDc3NA_0aef3ecd-d3fe-4016-b551-365e9f9e6c99">5,245</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i616bf105dbad409297f10dc468bdceb8_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTMtMS0xLTcxNDc3NA_7ec500c1-99bb-4510-b1fb-1f665e117b44">39</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i616bf105dbad409297f10dc468bdceb8_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTQtMS0xLTcxNDc3NA_6f31239f-88ac-4a26-bed6-19e193e2d4c0">263</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i616bf105dbad409297f10dc468bdceb8_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTUtMS0xLTcxNDc3NA_5c4254f4-e5ec-45fc-873b-1fde4195c619">5,020</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia66795811b69486f94495861ccd76abf_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTYtMS0xLTcxNDc3NA_9d3ea762-8df5-4c59-be0c-722491ca547b">3,900</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia66795811b69486f94495861ccd76abf_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTctMS0xLTcxNDc3NA_6e1817d6-dc1a-4323-bbd7-d0b4fd1b39f1">44</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia66795811b69486f94495861ccd76abf_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTgtMS0xLTcxNDc3NA_8141c512-3b72-45a2-a604-76a946a28b78">18</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia66795811b69486f94495861ccd76abf_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTktMS0xLTcxNDc3NA_562a3ebc-f1e6-47de-8e3c-ea359587ba16">3,926</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3f02bba3de14ea699d318d6d14fff11_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTEwLTEtMS03MTQ3NzQ_b07af62d-309d-42ad-9cb0-bedede0e5af9">4,642</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3f02bba3de14ea699d318d6d14fff11_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTExLTEtMS03MTQ3NzQ_6ad15a7c-e6d4-4cc4-b632-bbc3825e2507">52</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia3f02bba3de14ea699d318d6d14fff11_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTEyLTEtMS03MTQ3NzQ_fe1e8d11-f57b-4fd0-ba25-c925cbd4f7f9">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3f02bba3de14ea699d318d6d14fff11_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI1LTEzLTEtMS03MTQ3NzQ_3ec566ae-36a6-478c-8f2c-9e579cd7769e">4,691</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ba8749bdf95486cba04a44715c48eb5_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTItMS0xLTcxNDc3NA_7369fa67-011c-4c0b-9268-e31f19b520d9">2,956</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ba8749bdf95486cba04a44715c48eb5_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTMtMS0xLTcxNDc3NA_75e7cd8d-6ba2-4fef-969b-5a20a72e5d1f">17</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0ba8749bdf95486cba04a44715c48eb5_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTQtMS0xLTcxNDc3NA_31e5e34d-9a43-4f70-906a-0d44c2ba7271">257</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ba8749bdf95486cba04a44715c48eb5_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTUtMS0xLTcxNDc3NA_41a59c3d-40a5-48ed-a377-27748398d896">2,716</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic54b3d925fe44526a03926adc7ae9f96_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTYtMS0xLTcxNDc3NA_1d9ca8a6-5591-4add-b20d-9c9145896db7">1,754</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic54b3d925fe44526a03926adc7ae9f96_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTctMS0xLTcxNDc3NA_e2596099-ff90-406f-90a4-91d911b99a25">7</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic54b3d925fe44526a03926adc7ae9f96_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTgtMS0xLTcxNDc3NA_76c0bb41-23dd-4b7f-91f9-2983c4645e8c">17</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic54b3d925fe44526a03926adc7ae9f96_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTktMS0xLTcxNDc3NA_be40125e-98bd-418e-aae5-1afd8bfdd4fd">1,744</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d6312cac3094efa96c5ac943f1f4886_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTEwLTEtMS03MTQ3NzQ_9c8154d6-b8dd-4f20-8917-dc6483e05505">2,307</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d6312cac3094efa96c5ac943f1f4886_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTExLTEtMS03MTQ3NzQ_f014c00e-cbea-4b07-ba59-60d8f54344c7">9</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2d6312cac3094efa96c5ac943f1f4886_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTEyLTEtMS03MTQ3NzQ_1fb801f8-919f-4a93-8ef0-e0e442dec51a">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d6312cac3094efa96c5ac943f1f4886_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI2LTEzLTEtMS03MTQ3NzQ_7cc94fe1-6c6d-4b9c-85bd-050df8356165">2,315</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9783831bda1a4a23abfec6249464cf04_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI5LTItMS0xLTcxNDc3NA_9fdd53e7-4f2e-435b-a9f6-496184bcc03f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9783831bda1a4a23abfec6249464cf04_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI5LTMtMS0xLTcxNDc3NA_ef306cec-62b0-4209-be01-f460d346a2f5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9783831bda1a4a23abfec6249464cf04_I20221231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI5LTQtMS0xLTcxNDc3NA_1fd34f18-64e7-4ebe-ae5c-5950f2f5bfc8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9783831bda1a4a23abfec6249464cf04_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI5LTUtMS0xLTcxNDc3NA_1f86b20b-19b6-4c53-97a4-72d8cc35f550">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2db584520c08463ca6ab1ad3785ea138_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI5LTYtMS0xLTcxNDc3NA_dddb7500-bbce-43a0-8994-f030761525ae">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2db584520c08463ca6ab1ad3785ea138_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzI5LTctMS0xLTcxNDc3NA_a889fa4a-54f3-420c-a13a-78e07c175b1c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2db584520c08463ca6ab1ad3785ea138_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTItMS0xLTcxNDc3NA_61bb5c75-9655-4c63-ae33-2d51fd155fbc">89</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba62c51eb22a4d29ba5dfbec18951309_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTMtMS0xLTcxNDc3NA_29f685f8-6ae8-4fd2-9cf1-36deae37025e">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba62c51eb22a4d29ba5dfbec18951309_I20221231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTUtMS0xLTcxNDc3NA_a7d91b1e-15a6-4042-972e-d65a0d536876">89</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie009501c98b34fdfab5af70344546282_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTYtMS0xLTcxNDc3NA_6ad8fd90-c06b-4d31-ad8e-bf3fef0e7f33">114</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie009501c98b34fdfab5af70344546282_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTctMS0xLTcxNDc3NA_bde48482-e1a2-4af9-b6d3-d949642761fa">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie009501c98b34fdfab5af70344546282_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTgtMS0xLTcxNDc3NA_34972656-17d5-429a-9206-9e91ee9113b4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie009501c98b34fdfab5af70344546282_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTktMS0xLTcxNDc3NA_e670f153-0fa0-4967-932d-d5b5084b80fe">116</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66d3afc9eef64101b9bd0e8e5859e577_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTEwLTEtMS03MTQ3NzQ_c6b3e7bd-76b1-4d5e-a264-3e30b5dc2a1a">186</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66d3afc9eef64101b9bd0e8e5859e577_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTExLTEtMS03MTQ3NzQ_bd2ba62b-8076-4b3b-b269-fc0960d14136">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66d3afc9eef64101b9bd0e8e5859e577_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTEyLTEtMS03MTQ3NzQ_b8f6de76-5167-498c-8c88-93b175daf5c6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66d3afc9eef64101b9bd0e8e5859e577_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMwLTEzLTEtMS03MTQ3NzQ_b05ccf3d-da01-49db-9900-1821c5f91cac">188</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibfd01361621d446091c8c592567f2eb8_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTItMS0xLTcxNDc3NA_61bea27a-2c5f-4e8c-afe3-1a83e4dcfd56">2,200</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibfd01361621d446091c8c592567f2eb8_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTMtMS0xLTcxNDc3NA_fda7e1f2-5025-49d5-a895-9d332f569a92">21</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibfd01361621d446091c8c592567f2eb8_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTQtMS0xLTcxNDc3NA_55039ee5-1b2c-4ec1-968f-90b39030b71e">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibfd01361621d446091c8c592567f2eb8_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTUtMS0xLTcxNDc3NA_abdc8d95-d226-42eb-84f1-47c27cd99265">2,215</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1114e72a6936428090666056314ca341_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTYtMS0xLTcxNDc3NA_6c3aeb88-a702-4d97-89fb-1894e817bd1b">2,032</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1114e72a6936428090666056314ca341_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTctMS0xLTcxNDc3NA_5ba4f1cc-1d8f-4930-8ca1-d2db890795c1">35</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1114e72a6936428090666056314ca341_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTgtMS0xLTcxNDc3NA_59c9d326-1abb-44b5-9260-0541e94e552e">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1114e72a6936428090666056314ca341_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTktMS0xLTcxNDc3NA_9cae9c16-139c-4ca6-b1da-a2efbdd5f2fc">2,065</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5b05514ffcd4b689e5c55c5fca825fa_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTEwLTEtMS03MTQ3NzQ_4350fa82-bba8-41c3-91f9-ded3af8d96f5">2,149</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5b05514ffcd4b689e5c55c5fca825fa_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTExLTEtMS03MTQ3NzQ_14facf8a-b402-4e38-b19c-8c5b72f6c457">40</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia5b05514ffcd4b689e5c55c5fca825fa_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTEyLTEtMS03MTQ3NzQ_3d17aabb-3af1-4d4b-9bd8-f6e00acc2285">2</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5b05514ffcd4b689e5c55c5fca825fa_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMxLTEzLTEtMS03MTQ3NzQ_7d9a649d-f9e1-4803-8f32-66d0438e0d1f">2,187</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7bbc9dea1c27411b8d7a295a654f4246_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTItMS0xLTcxNDc3NA_8e0cb9ff-c0e7-4af4-ba43-b99e81d3d58e">3,213</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7bbc9dea1c27411b8d7a295a654f4246_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTMtMS0xLTcxNDc3NA_b47b12eb-3fcb-4571-a737-6ef9390291e3">700</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7bbc9dea1c27411b8d7a295a654f4246_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTQtMS0xLTcxNDc3NA_e9b215e2-2487-47eb-8dbe-4f80eeb795ff">56</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7bbc9dea1c27411b8d7a295a654f4246_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTUtMS0xLTcxNDc3NA_885fd8da-d310-4cd6-98c3-8a31dc1b199e">3,858</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ee59b84c116460b87e1f4454291f0e9_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTYtMS0xLTcxNDc3NA_07c4c180-c972-4f04-a5b7-348461693ed8">2,888</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ee59b84c116460b87e1f4454291f0e9_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTctMS0xLTcxNDc3NA_3e401760-5ed8-4958-9e04-de7d36c4a6bf">199</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5ee59b84c116460b87e1f4454291f0e9_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTgtMS0xLTcxNDc3NA_ccf70732-9fc7-424f-82bf-f6e21c63503b">168</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ee59b84c116460b87e1f4454291f0e9_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTktMS0xLTcxNDc3NA_b5181124-aa88-40f0-b101-90f17aff53ce">2,920</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee2fd1a8499c43e6a044a9e081983ac1_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTEwLTEtMS03MTQ3NzQ_07f1c707-cb9f-4578-bf28-e293b2853a2a">3,456</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee2fd1a8499c43e6a044a9e081983ac1_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTExLTEtMS03MTQ3NzQ_446e95f8-23f1-4e68-b346-74f6a9278f7f">90</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iee2fd1a8499c43e6a044a9e081983ac1_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTEyLTEtMS03MTQ3NzQ_14a48132-9b5f-4e2c-a661-9e58f53d6a5f">73</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee2fd1a8499c43e6a044a9e081983ac1_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMyLTEzLTEtMS03MTQ3NzQ_504a11c7-e30e-4ada-8376-3e3d4cb334b3">3,473</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib244e2ad41ae44dcaf2a585cd383c747_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTItMS0xLTcxNDc3NA_2fb43d94-070d-4244-b886-34b3c72585a3">3,213</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib244e2ad41ae44dcaf2a585cd383c747_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTMtMS0xLTcxNDc3NA_0e4ec13b-19e9-493a-83d9-d7360734d4f1">700</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib244e2ad41ae44dcaf2a585cd383c747_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTQtMS0xLTcxNDc3NA_78db3526-2e3f-4755-b722-8b0d9e634d51">56</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib244e2ad41ae44dcaf2a585cd383c747_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTUtMS0xLTcxNDc3NA_b6d6ef43-bec5-4060-a849-8a3365f26b0a">3,858</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9fb48fa86694b939a80d5bbe7e6c1d6_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTYtMS0xLTcxNDc3NA_1670055e-5da1-46a4-990a-12840a39c545">2,888</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9fb48fa86694b939a80d5bbe7e6c1d6_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTctMS0xLTcxNDc3NA_18bc0b33-cc49-406e-9b43-332b5bd5537e">199</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic9fb48fa86694b939a80d5bbe7e6c1d6_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTgtMS0xLTcxNDc3NA_bf51d921-ea45-4ef5-8551-855db060a72f">168</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9fb48fa86694b939a80d5bbe7e6c1d6_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzMzLTktMS0xLTcxNDc3NA_db5ff259-3cd6-4a15-8642-1516c5f217d9">2,920</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5732098ec8304eb9be8b97df3173ab4a_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM2LTEzLTEtMS03MTQ3NzQ_05d4b029-320e-4bda-95d3-c498cee7ccce">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other countries</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99692707f3ba467f8539759b33cc0e4d_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTItMS0xLTcxNDc3NA_6a29b969-8652-4761-8c1f-06cfce1a7013">11,928</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99692707f3ba467f8539759b33cc0e4d_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTMtMS0xLTcxNDc3NA_42e15297-1a87-47f3-9aa4-f1260c1db6fa">194</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i99692707f3ba467f8539759b33cc0e4d_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTQtMS0xLTcxNDc3NA_f11e2b27-290c-4b70-8689-05bd711bd7e5">274</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99692707f3ba467f8539759b33cc0e4d_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTctMS0xLTcxNDc3NA_1de41fba-e9a4-4fc8-b187-b52063e95728">286</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic52959b8a05b4940b9de37ee0163d6f1_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTgtMS0xLTcxNDc3NA_12793831-7635-4a2d-bff7-dadf50a041e7">55</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic52959b8a05b4940b9de37ee0163d6f1_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTktMS0xLTcxNDc3NA_6463dff4-3379-46b6-95f6-97d0916d0ca7">10,529</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i571fc3333f4248f5b5a282f2a8ddcdb8_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTEwLTEtMS03MTQ3NzQ_7935368e-f4ba-41ab-b44a-2793c7eed047">9,892</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i571fc3333f4248f5b5a282f2a8ddcdb8_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTExLTEtMS03MTQ3NzQ_ba016440-931a-4d86-ac80-6058f91af20b">372</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i571fc3333f4248f5b5a282f2a8ddcdb8_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTEyLTEtMS03MTQ3NzQ_736ca725-90f3-4120-be0a-12b729c18724">39</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i571fc3333f4248f5b5a282f2a8ddcdb8_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM3LTEzLTEtMS03MTQ3NzQ_da6bfda3-9fe0-479d-a9a8-605facdbb342">10,225</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other foreign governments and government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdc0d9d5833f485680861898385b7085_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTItMS0xLTcxNDc3NA_776db0c9-3d3d-42d9-a2c7-38d7af114bb6">3,093</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdc0d9d5833f485680861898385b7085_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTMtMS0xLTcxNDc3NA_1628b81c-87e7-4f27-a5fe-4272f101d9e1">120</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibdc0d9d5833f485680861898385b7085_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTQtMS0xLTcxNDc3NA_5fdaf89e-755e-4cd2-817b-8389c72f7299">154</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdc0d9d5833f485680861898385b7085_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTUtMS0xLTcxNDc3NA_e96d2a3d-fa8c-4fee-bdc3-82469dca0dd2">3,059</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i277940dce35644238af108afad9a85c4_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTYtMS0xLTcxNDc3NA_56fc60ab-430d-4877-afd8-c85c5b94fd03">2,488</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i277940dce35644238af108afad9a85c4_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTctMS0xLTcxNDc3NA_70dc6031-45cd-4a4f-b467-ca38e0229ae5">115</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i277940dce35644238af108afad9a85c4_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTgtMS0xLTcxNDc3NA_2c34cedf-3acb-4bca-845e-efa59433d9be">29</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i277940dce35644238af108afad9a85c4_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTktMS0xLTcxNDc3NA_885cf562-289f-453f-ab34-1bb632dad0f0">2,574</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbb648b7df0c4273b435f914ef2bdda2_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTEwLTEtMS03MTQ3NzQ_5b2c65c4-d1b7-4d15-9e90-edc02f14c0bb">2,177</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbb648b7df0c4273b435f914ef2bdda2_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTExLTEtMS03MTQ3NzQ_f4d9efeb-f7ee-4e64-9765-394302fb9e36">136</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idbb648b7df0c4273b435f914ef2bdda2_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTEyLTEtMS03MTQ3NzQ_6c3c0482-5fee-4296-b81d-35c448503381">14</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbb648b7df0c4273b435f914ef2bdda2_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM4LTEzLTEtMS03MTQ3NzQ_c4e7e99b-d4ea-4d56-abaa-e35cb1d1470a">2,300</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i134712e226ee40e2b16a89dd7f82e203_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTItMS0xLTcxNDc3NA_8370895f-d5fb-4db4-91c6-dd97266c295f">3,098</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i134712e226ee40e2b16a89dd7f82e203_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTMtMS0xLTcxNDc3NA_1f06043c-df0d-429c-a12f-342d24269130">8</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i134712e226ee40e2b16a89dd7f82e203_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTQtMS0xLTcxNDc3NA_a32b3bb3-efb2-404c-8e53-4d97308f7b3b">12</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i134712e226ee40e2b16a89dd7f82e203_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTUtMS0xLTcxNDc3NA_f7852146-c56a-48d1-8af5-38aa1a5ad537">3,094</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i850e827bab864fd2a441328589ce4596_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTYtMS0xLTcxNDc3NA_4e98c03a-43ba-4e39-9a19-abe0359450de">1,698</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i850e827bab864fd2a441328589ce4596_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTctMS0xLTcxNDc3NA_98fd5447-a495-48c4-a485-30d770e8cc32">3</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i850e827bab864fd2a441328589ce4596_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTgtMS0xLTcxNDc3NA_97d30d15-f4ac-4d35-9d8b-4110312df3a1">5</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i850e827bab864fd2a441328589ce4596_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTktMS0xLTcxNDc3NA_7229c90b-43c1-472a-ac73-f164a4f47176">1,696</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2fb389ebcb674c6ea2f1687a85d1bebb_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTEwLTEtMS03MTQ3NzQ_17855371-0ef5-4c5e-81ef-748df004fb54">1,599</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2fb389ebcb674c6ea2f1687a85d1bebb_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTExLTEtMS03MTQ3NzQ_ec1b14ac-b07f-4645-855c-37326840d7aa">21</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2fb389ebcb674c6ea2f1687a85d1bebb_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTEyLTEtMS03MTQ3NzQ_8f93fd93-be85-4fd5-b033-85de20fa87c4">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2fb389ebcb674c6ea2f1687a85d1bebb_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzM5LTEzLTEtMS03MTQ3NzQ_90d42ddc-5d33-40e3-83d3-c3e731a464c0">1,611</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c2fb42a63814895bb106ad9414f4935_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTItMS0xLTcxNDc3NA_11d9dca8-3456-4d46-9fc2-0bd7f0f416a3">2,087</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c2fb42a63814895bb106ad9414f4935_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTMtMS0xLTcxNDc3NA_5fda5e4a-2e6e-4540-9fa8-05e398c826c4">40</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0c2fb42a63814895bb106ad9414f4935_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTQtMS0xLTcxNDc3NA_94a6558a-c5eb-4618-bd1c-cf90f37a2814">59</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c2fb42a63814895bb106ad9414f4935_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTUtMS0xLTcxNDc3NA_480c5111-05b0-436b-ae47-51f533b7f680">2,068</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71e25f055dd1432b8c93ada87fed876f_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTYtMS0xLTcxNDc3NA_43ab4a31-0645-4d4c-be76-904f3032f33a">2,306</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71e25f055dd1432b8c93ada87fed876f_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTctMS0xLTcxNDc3NA_c3f65186-4513-48ef-90bf-8bf4c7c3e181">92</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i71e25f055dd1432b8c93ada87fed876f_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTgtMS0xLTcxNDc3NA_02e0b93e-a732-4a40-9c1e-166ced6e4c23">16</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71e25f055dd1432b8c93ada87fed876f_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTktMS0xLTcxNDc3NA_03807ee1-c881-4ff4-b66c-0d5bb7548929">2,382</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc9cc61c7593458fb82c756733bb722f_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTEwLTEtMS03MTQ3NzQ_77ebf3b2-0017-438b-860e-0d782bdcce9f">2,468</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc9cc61c7593458fb82c756733bb722f_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTExLTEtMS03MTQ3NzQ_5c9b9582-3eb3-47a5-9433-8bbf143deffe">116</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idc9cc61c7593458fb82c756733bb722f_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTEyLTEtMS03MTQ3NzQ_0c2eb31c-852c-4cbc-b310-a852a554ce58">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc9cc61c7593458fb82c756733bb722f_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQwLTEzLTEtMS03MTQ3NzQ_3369efca-e15c-437b-be74-61a11d4a61b3">2,576</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide624212d0564f2f9251f37607ffe389_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTItMS0xLTcxNDc3NA_1147e897-e46f-45bc-b0b6-94caf6adcfaf">3,649</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide624212d0564f2f9251f37607ffe389_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTMtMS0xLTcxNDc3NA_f3f730f6-2f27-468f-98b7-6428d2826de9">27</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ide624212d0564f2f9251f37607ffe389_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTQtMS0xLTcxNDc3NA_97238caf-9076-40a4-9263-961e6ba001c0">49</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide624212d0564f2f9251f37607ffe389_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTUtMS0xLTcxNDc3NA_925613bf-22a0-4d57-bbf1-cdddf26af043">3,627</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if283e398859d4437aa93601cff41a867_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTYtMS0xLTcxNDc3NA_5dc067cc-f15c-4ed8-94e7-f229994cfa7d">3,807</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if283e398859d4437aa93601cff41a867_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTctMS0xLTcxNDc3NA_b49c5457-3471-48aa-b3b9-0d6afb074aa8">76</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if283e398859d4437aa93601cff41a867_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTgtMS0xLTcxNDc3NA_cb89a59f-9c32-40ef-9ba4-f79aa5fbfcb5">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if283e398859d4437aa93601cff41a867_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTktMS0xLTcxNDc3NA_9dd7ca07-1fea-4d40-8c65-e7871e66099b">3,877</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i359d5dd322a749ca9fda08234ad7f398_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTEwLTEtMS03MTQ3NzQ_67d969db-1a0a-4c2f-ab60-efc5ef71b6de">3,648</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i359d5dd322a749ca9fda08234ad7f398_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTExLTEtMS03MTQ3NzQ_3eb5c534-3297-4792-8400-29faca3e2c77">99</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i359d5dd322a749ca9fda08234ad7f398_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTEyLTEtMS03MTQ3NzQ_0de7fbbc-6454-45e6-9f21-2ca1699a949f">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i359d5dd322a749ca9fda08234ad7f398_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQxLTEzLTEtMS03MTQ3NzQ_d81d3791-7e7b-445e-ac93-86d953e61dd7">3,738</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Subtotal </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78b879f9a7c74798b75e69c677e5f2e8_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTItMS0xLTcxNDc3NA_ea71b59a-e1c6-4377-b98c-8b0222c47bc7">39,440</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78b879f9a7c74798b75e69c677e5f2e8_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTMtMS0xLTcxNDc3NA_6d44686a-039c-4395-9ef6-9103a71c95e7">996</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i78b879f9a7c74798b75e69c677e5f2e8_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTQtMS0xLTcxNDc3NA_f12fa02b-50b8-4a36-94fd-6b957f212e4b">1,459</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78b879f9a7c74798b75e69c677e5f2e8_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTUtMS0xLTcxNDc3NA_f7d44c02-3941-44b3-8a4c-832381d90979">38,977</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i872670b384294d57867b118b09f504ff_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTYtMS0xLTcxNDc3NA_085d279b-3854-487e-b30f-71a6c6714913">40,551</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i872670b384294d57867b118b09f504ff_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTctMS0xLTcxNDc3NA_c3d2c172-8180-4454-ad72-176eac43e134">780</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i872670b384294d57867b118b09f504ff_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTgtMS0xLTcxNDc3NA_65c0c9f1-c92b-4649-89d5-2f79449a99b9">612</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i872670b384294d57867b118b09f504ff_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTktMS0xLTcxNDc3NA_e5cbeb2c-f0a3-44e1-bf56-c8daeabf0d22">40,719</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d2313139464f4ca607a77ed2dad939_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTEwLTEtMS03MTQ3NzQ_43bc36d9-bd8a-4e66-8a63-23d57aa5ff48">35,545</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d2313139464f4ca607a77ed2dad939_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTExLTEtMS03MTQ3NzQ_2671dd49-1697-4296-b714-99b1746c657f">1,172</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i12d2313139464f4ca607a77ed2dad939_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTEyLTEtMS03MTQ3NzQ_e928a3d4-f9b2-49ba-9cd4-a76a33d6542f">120</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d2313139464f4ca607a77ed2dad939_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQyLTEzLTEtMS03MTQ3NzQ_41ad51e6-322f-480c-a26a-ca91afa10efd">36,596</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTItMS0xLTcxNDc3NA_071ad84b-9582-49c5-af71-55f3094c93f1">58,605</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTMtMS0xLTcxNDc3NA_b06cf67a-b9bf-4d6f-bb98-34ce78e3eaa5">1,165</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTQtMS0xLTcxNDc3NA_5d00bfd5-d3a2-47b1-8f16-ba236d372c2a">2,014</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTUtMS0xLTcxNDc3NA_74d7b0d6-5637-4fac-ba68-02293b751fed">57,755</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTYtMS0xLTcxNDc3NA_6f68ff2d-c8b9-4df8-98f9-c22b524286bb">58,176</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTctMS0xLTcxNDc3NA_67b2124a-d564-49c3-986e-cf3ded6f78f4">1,511</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTgtMS0xLTcxNDc3NA_a6e205c7-dbba-4f2e-b2a1-b321a0152d3c">614</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTktMS0xLTcxNDc3NA_335f4328-d6d1-470c-b14c-120c083f81c6">59,074</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTEwLTEtMS03MTQ3NzQ_11baa4a9-65c4-46fc-9893-0b538d9544a7">66,356</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTExLTEtMS03MTQ3NzQ_8cde8c3d-14e9-4f96-9419-e87dc6d5f557">2,089</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTEyLTEtMS03MTQ3NzQ_35111d10-34ee-4383-8809-4302067f4bee">137</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpjY2I5MzU5OGUzMGM0YjJjYTM0YTJlY2U4YjVkMTcxZS90YWJsZXJhbmdlOmNjYjkzNTk4ZTMwYzRiMmNhMzRhMmVjZThiNWQxNzFlXzQzLTEzLTEtMS03MTQ3NzQ_11c55607-e93d-49f4-89af-bea2de79759d">68,308</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-113</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i7c99fe892ffb4aeeb7d9d137da03308d" continuedAt="i3fcc222aed8447c7b8c3fc6bb250393a"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90ZXh0cmVnaW9uOmI3NTMwODA1ODk4NTQ1NzI4N2ZkOTNkM2RkODQ1ZDk2XzU0_0c1e8ef8-bb26-4f77-8ed6-0a696e2b205a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The credit ratings of the issuers of debt securities as of December 31, 2022, 2021 and 2020 are as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:24.362%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.696%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.696%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.699%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities by rating</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of Euros)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of Euros)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of euros)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if87f66479ab94956934e00f7f7b9385a_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzUtMS0xLTEtNzE0Nzc0_8cd69601-c2a3-40b1-9901-443a45ce5119">416</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if87f66479ab94956934e00f7f7b9385a_I20221231" decimals="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzUtNi0xLTEtNzE0Nzc0_eb5358f3-da03-4e50-9ac9-d7a5cc56229a">1.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02c3822fbbd94e0381a90cd194e8069c_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzUtNy0xLTEtNzE0Nzc0_c1697e9c-184f-454d-9dcc-9cdcb5eed03f">449</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i02c3822fbbd94e0381a90cd194e8069c_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzUtOC0xLTEtNzE0Nzc0_d525b306-71bc-4fbf-912c-8554cc29b6d4">0.7</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AA-</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzYtMi0xLTEtNzE0Nzc0_243bdf38-8187-42ff-b39d-72d27f6e1bcf">0.8</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i544e2027d0c844b6a509677780f3d321_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzYtNS0xLTEtNzE0Nzc0_16de367d-f2a6-4258-99a9-911685bcd4ce">327</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i544e2027d0c844b6a509677780f3d321_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzYtNi0xLTEtNzE0Nzc0_7cc37b4b-57e8-483a-9691-0b452aadb442">0.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i903446afb5054684826ae32cffe8938d_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzYtNy0xLTEtNzE0Nzc0_c6587cc7-a1c7-400a-9fcf-8c06642a802b">406</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i903446afb5054684826ae32cffe8938d_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzYtOC0xLTEtNzE0Nzc0_e03ed338-e2b0-416f-ad0b-23bb758fee28">0.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A+</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5e969a772a0488ead29b7dffac123b4_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzctMS0xLTEtNzE0Nzc0_dea0d68b-d63e-4e14-a7e1-19d7d112dd88">3,866</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if5e969a772a0488ead29b7dffac123b4_I20221231" decimals="6" 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name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzctNS0xLTEtNzE0Nzc0_5fbe6acd-91ca-46b9-8417-2c088ed071fc">6,179</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4c7f4e2184c8489d95c4793c60184494_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzctNi0xLTEtNzE0Nzc0_62e1bd13-ae30-447b-943e-256ed9f50157">10.5</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if62cdbc8743c42ddbc2fff5f61682250_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzctOC0xLTEtNzE0Nzc0_7eddc7bc-861f-4b6a-88b2-8b8417fdbfed">8.7</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzgtMi0xLTEtNzE0Nzc0_4213b9ca-608d-4c7b-a954-70c99499fd9e">2.9</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05f9659423ad48b9b159a1f248de1af7_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzgtNS0xLTEtNzE0Nzc0_f4ff93e9-df9f-48a4-a0c7-db3a15b7084f">1,676</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i05f9659423ad48b9b159a1f248de1af7_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzgtNi0xLTEtNzE0Nzc0_cc5ff728-bd6d-4e19-8ed6-963f1981d525">2.8</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4cbe8e133da458fac6d9190e64089e6_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzgtNy0xLTEtNzE0Nzc0_38d82148-0923-4f1e-9246-e5801e47a709">2,112</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic4cbe8e133da458fac6d9190e64089e6_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzgtOC0xLTEtNzE0Nzc0_eb73fab3-a423-476f-88a8-7fb1a1dd9f13">3.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A-</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8dccafd09d7480f86a7124ec13165bb_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzktMS0xLTEtNzE0Nzc0_9a78e9bf-fe16-462c-a8d0-fb662f442899">20,350</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id8dccafd09d7480f86a7124ec13165bb_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzktMi0xLTEtNzE0Nzc0_73b7885f-9ee0-4472-9a61-a3be347ad925">35.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0ba4dd4631648e9ae272ff1e8d8f666_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzktNS0xLTEtNzE0Nzc0_00d78c09-f33f-4853-8f17-2ad665beae51">18,760</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic0ba4dd4631648e9ae272ff1e8d8f666_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzktNi0xLTEtNzE0Nzc0_2c8674c5-ff03-4719-bd86-148eacf3dc0a">31.8</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ec99488d0074e7fa79c44958d91f109_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" 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name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEwLTItMS0xLTcxNDc3NA_1063a3a4-d7aa-41ef-a1c2-6ea5fe8c7410">19.8</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic470c1554a7c447e9bcf1c0177c93991_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEwLTUtMS0xLTcxNDc3NA_9f6abacd-6bac-4c43-a680-e855ce647c13">11,465</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic470c1554a7c447e9bcf1c0177c93991_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEwLTYtMS0xLTcxNDc3NA_04ca3970-e4a5-4d40-b880-5c488c2e0185">19.4</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icaf524392cfb4f159b98d0221c1320da_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEwLTgtMS0xLTcxNDc3NA_f6d6a186-65ec-4f4e-9c33-43a1283494df">12.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBB</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97b90900e0fe4813ab09206f8ecabff7_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzExLTEtMS0xLTcxNDc3NA_15ec46c8-d73d-4704-8cbb-52c257a05206">7,328</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i97b90900e0fe4813ab09206f8ecabff7_I20221231" decimals="6" 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name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzExLTUtMS0xLTcxNDc3NA_65d7fdc8-d4dc-4ef7-b57b-063acda15522">10,961</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i093fb28f09fe4acfb562f601d8dfd8cc_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzExLTYtMS0xLTcxNDc3NA_bf8789f0-f889-4f54-a22a-cd578d976a42">18.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f866ff3a36d4540bbd79e3659673ecf_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" 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name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEyLTUtMS0xLTcxNDc3NA_365d7daf-6259-4865-8d9f-192d13cb5d82">1,310</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0f12addb134046f6a14525a166bd342d_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEyLTYtMS0xLTcxNDc3NA_34d227c4-ee05-4502-b8bb-9998dcf568e2">2.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5be980824843448aa22785f37e6a70ae_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEyLTgtMS0xLTcxNDc3NA_296b6c85-285f-4842-9784-e434b3a637f5">7.5</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BB+ or below</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEzLTUtMS0xLTcxNDc3NA_c95a4158-9b5b-402b-9b2a-e03652fb7a1c">4,379</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ie9caf4b861f24fd6a14daabcfdc43989_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEzLTYtMS0xLTcxNDc3NA_f0f176a1-e58f-4dc8-a7af-6fbc7532f5a9">7.4</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ded1b8b3929475395cbe2ef83e707a1_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzEzLTgtMS0xLTcxNDc3NA_a74d095d-7e75-416a-86f1-a5dd38340165">6.9</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unclassified</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d8e5aefe1774e53bf6208045b489c1b_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE0LTEtMS0xLTcxNDc3NA_0136017c-7887-4aa2-8221-2eb6d222b4e7">241</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2d8e5aefe1774e53bf6208045b489c1b_I20221231" decimals="6" 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name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE0LTUtMS0xLTcxNDc3NA_b9b33658-5ac2-4b79-9e6e-d3e15a383684">372</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf864241611f4664826940fb222d7b97_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE0LTYtMS0xLTcxNDc3NA_3c2a1400-3c51-402a-96ab-b95b9f232462">0.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if95e643001d242c0a6a8182a7e668c4e_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE0LTctMS0xLTcxNDc3NA_b09e0c61-dfd4-4c9a-9cef-8c01d3cb4c07">345</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if95e643001d242c0a6a8182a7e668c4e_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE0LTgtMS0xLTcxNDc3NA_34c6fa78-e6c4-4e8b-8d78-485efb6c8924">0.5</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE1LTEtMS0xLTcxNDc3NA_7edd3deb-51ec-45c8-b9a4-1b38ba93dee1">57,755</ix:nonFraction></span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE1LTItMS0xLTcxNDc3NA_bc5583d3-3ee1-4e5c-b226-2dfecbb21b3b">100.0</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE1LTUtMS0xLTcxNDc3NA_6a6d22d6-8844-4915-a08f-5aa565c1c991">59,074</ix:nonFraction></span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE1LTYtMS0xLTcxNDc3NA_e8956079-4576-4afa-834f-bad647d3a20c">100.0</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesByRating" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE1LTctMS0xLTcxNDc3NA_1f6d33aa-8db7-449a-ba9b-3487ab7ee7b4">68,308</ix:nonFraction></span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTAvZnJhZzpiNzUzMDgwNTg5ODU0NTcyODdmZDkzZDNkZDg0NWQ5Ni90YWJsZTpmMjMxNDI0NTlhMmQ0NDJhOTM3MGNkYjViMzI1ZTYwOC90YWJsZXJhbmdlOmYyMzE0MjQ1OWEyZDQ0MmE5MzcwY2RiNWIzMjVlNjA4XzE1LTgtMS0xLTcxNDc3NA_0a7a143a-13cf-4fcd-a8db-4fde54c37dd5">100.0</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_793"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">13.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i3fcc222aed8447c7b8c3fc6bb250393a" continuedAt="i1dd1afd24569431cb576bb1124a2c6f0">Gains/losses</ix:continuation></span></div><ix:continuation id="i1dd1afd24569431cb576bb1124a2c6f0"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90ZXh0cmVnaW9uOmE1YWZjMzIyNWZkNDQ3MjFiMDZiZTFlMTBkOTEyZDNmXzM3_7005d6bd-f2e1-46e3-afe6-e4848f2f98ad" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in the gains/losses (net of taxes) in 2022, 2021 and 2020 of debt securities recognized under the equity heading &#8220;Accumulated other comprehensive income (loss) &#8211; Items that may be reclassified to profit or loss &#8211; Fair value changes of debt instruments measured at fair value through other comprehensive income&#8221; and equity instruments recognized under the equity heading &#8220;Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211;Fair value changes of equity instruments measured at fair value through other comprehensive income&#8221; in the consolidated balance sheets are as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.918%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other comprehensive income - Changes in gains (losses) (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity instruments</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdd6a2759cd14f50ab7104272fa821cf_I20211231" decimals="-6" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzMtMy0xLTEtNzE0Nzc0_4b4656e0-8548-4fd4-a131-96e3f6d0d957">1,274</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18c96ecca9734453911b78122b70e9d0_I20201231" decimals="-6" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzMtNC0xLTEtNzE0Nzc0_ab602b54-1843-4bc4-95d6-b5b61ef122fd">2,069</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie11f8d5b95f846a99b9c5fcefbd54f81_I20191231" decimals="-6" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzMtNS0xLTEtNzE0Nzc0_292ada27-1425-4155-b659-1f6501d49471">1,760</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3e30f5f367b142339f74e7a2fdd26da1_I20211231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzMtOC0xLTEtNzE0Nzc0_9ab2de0f-545e-441b-afcb-716614183d57">1,079</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7efd9252798c4a1bb7a0d515c02cbbcc_I20201231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzMtOS0xLTEtNzE0Nzc0_37b03a0a-df1e-4346-ad5b-c18df881ca0f">1,256</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9224dbd5b6ea45eaa79899830879e730_I20191231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzMtMTAtMS0xLTcxNDc3NA_b20bf529-ff7b-48ac-adc7-2aa269f77587">403</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation gains and losses</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3aafa84b2f4c46ed9050431dd0ca3f73_D20220101-20221231" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzQtMy0xLTEtNzE0Nzc0_1192f563-3c11-437d-a6b1-9340fdd203ba">2,694</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iec09958c413c4348a57b03ce22c966f5_D20210101-20211231" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzQtNC0xLTEtNzE0Nzc0_94c8a2f8-f5b8-4c2f-83ff-58afa197806b">1,058</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5750b902eb114ecc89c1ccf33124c831_D20200101-20201231" decimals="-6" name="bbva:ValuationGainsAndLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzQtNS0xLTEtNzE0Nzc0_10fc54f9-edf8-4adb-91d9-662ee4397533">489</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id370348e55284616bd3fdb8d04247cc7_D20220101-20221231" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzQtOC0xLTEtNzE0Nzc0_36529e2e-a6d9-438e-bb87-5f5c86db70c2">167</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0cdeceda186f46bb8ba7e3d6c186eca9_D20210101-20211231" decimals="-6" name="bbva:ValuationGainsAndLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzQtOS0xLTEtNzE0Nzc0_f6667897-ea65-4fc1-9768-b2f5e3231f38">183</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ief8db9dd9ad849cc9908f40a8657485a_D20200101-20201231" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzQtMTAtMS0xLTcxNDc3NA_46201ad7-ae61-4d2a-b544-be6f2659c4ef">803</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3aafa84b2f4c46ed9050431dd0ca3f73_D20220101-20221231" decimals="-6" name="bbva:AmountsTransferredToIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzUtMy0xLTEtNzE0Nzc0_c9a85095-6ae9-4a8a-966d-b2ea59c8ff3d">20</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iec09958c413c4348a57b03ce22c966f5_D20210101-20211231" decimals="-6" sign="-" name="bbva:AmountsTransferredToIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzUtNC0xLTEtNzE0Nzc0_5c3996e9-22f0-4139-9fe5-7d619a0a55ae">63</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5750b902eb114ecc89c1ccf33124c831_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountsTransferredToIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzUtNS0xLTEtNzE0Nzc0_87beab16-49fe-431c-9501-98ffaf084918">72</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to Reserves</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id370348e55284616bd3fdb8d04247cc7_D20220101-20221231" decimals="-6" sign="-" name="bbva:AmountsTransferredToReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzYtOC0xLTEtNzE0Nzc0_d071f7b9-c715-4225-b205-b8d7f9795a36">2</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0cdeceda186f46bb8ba7e3d6c186eca9_D20210101-20211231" decimals="-6" name="bbva:AmountsTransferredToReserves" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzYtOS0xLTEtNzE0Nzc0_6ca1ce29-8943-4384-9b0b-27b4691feda1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ief8db9dd9ad849cc9908f40a8657485a_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountsTransferredToReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzYtMTAtMS0xLTcxNDc3NA_bb20a5c9-9f4f-48a4-aec9-13e43ca17f07">73</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income tax and other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3aafa84b2f4c46ed9050431dd0ca3f73_D20220101-20221231" decimals="-6" name="bbva:IncomeTaxAndOther" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzctMy0xLTEtNzE0Nzc0_206ab89f-707b-4b82-85fd-b60a10626d25">838</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec09958c413c4348a57b03ce22c966f5_D20210101-20211231" decimals="-6" name="bbva:IncomeTaxAndOther" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzctNC0xLTEtNzE0Nzc0_e81015c6-e995-46e1-a7ea-c6921b6e0677">325</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5750b902eb114ecc89c1ccf33124c831_D20200101-20201231" decimals="-6" sign="-" name="bbva:IncomeTaxAndOther" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzctNS0xLTEtNzE0Nzc0_cac1dda0-9ab9-473b-9258-6f9527b55700">107</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id370348e55284616bd3fdb8d04247cc7_D20220101-20221231" decimals="-6" name="bbva:IncomeTaxAndOther" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzctOC0xLTEtNzE0Nzc0_9fdcc0aa-7457-4d6f-ba7c-23a009fe5c8e">54</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0cdeceda186f46bb8ba7e3d6c186eca9_D20210101-20211231" decimals="-6" sign="-" name="bbva:IncomeTaxAndOther" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzctOS0xLTEtNzE0Nzc0_96051010-3ff6-42ac-99b8-7a7182c87626">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief8db9dd9ad849cc9908f40a8657485a_D20200101-20201231" decimals="-6" name="bbva:IncomeTaxAndOther" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzctMTAtMS0xLTcxNDc3NA_8f91514e-eefb-431e-bc80-793763785fdf">23</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6ea449e698334da3b7a861f9679b340c_I20221231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzgtMy0xLTEtNzE0Nzc0_a60ee62b-e1d2-4c73-acbf-4c2f2c1bafe4">562</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdd6a2759cd14f50ab7104272fa821cf_I20211231" decimals="-6" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzgtNC0xLTEtNzE0Nzc0_b2484419-c657-4cf2-9b18-dbadf477f1b4">1,274</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18c96ecca9734453911b78122b70e9d0_I20201231" decimals="-6" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzgtNS0xLTEtNzE0Nzc0_2d0580d6-5d59-44d0-9201-e7fad63027cd">2,069</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id19e48359ed64dbbb48bcf9be80c2346_I20221231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzgtOC0xLTEtNzE0Nzc0_3d8aa804-6ed9-4ecd-97d0-3188a948c38e">1,194</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3e30f5f367b142339f74e7a2fdd26da1_I20211231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzgtOS0xLTEtNzE0Nzc0_2e5d1e40-1529-4aee-9416-83b5521719b1">1,079</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7efd9252798c4a1bb7a0d515c02cbbcc_I20201231" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeChangesInGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTMvZnJhZzphNWFmYzMyMjVmZDQ0NzIxYjA2YmUxZTEwZDkxMmQzZi90YWJsZToyNDUwODM0ZjVhMDI0YjBlOWVlOTljOWUxZjM5YjRkYy90YWJsZXJhbmdlOjI0NTA4MzRmNWEwMjRiMGU5ZWU5OWM5ZTFmMzliNGRjXzgtMTAtMS0xLTcxNDc3NA_2dc7b57b-ebec-4e20-8bf9-1129c39ae95b">1,256</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2022, 2021 and 2020, equity instruments presented a decrease of &#8364;167 million, an increase of &#8364;183 million and a decrease of &#8364;803 million, respectively, in the heading &#8220;Gains and losses from valuation - Accumulated other comprehensive income - Items that will not be reclassified to profit and loss - Fair value changes of equity instruments measured at fair value through other comprehensive income&#8221;, mainly due to changes in Telefonica&#8217;s share price.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-114</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_796"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">14.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfFinancialAssetsAtAmortisedCostTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTYvZnJhZzpiZGUwMWNhMDdhYTA0YjY4YTRmMjZkODQ2ZmMyMjk1OS90ZXh0cmVnaW9uOmJkZTAxY2EwN2FhMDRiNjhhNGYyNmQ4NDZmYzIyOTU5XzU_ca06bd38-2325-4fd1-98e7-6ea01426c046" continuedAt="ic570401e799c49a19409f2153647929d" escape="true">Financial assets at amortized cost</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_799"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">14.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ic570401e799c49a19409f2153647929d" continuedAt="ied3f02d6ecfd4a1e86cdb4c2bd9501a8">Breakdown of the balance</ix:continuation></span></div><ix:continuation id="ied3f02d6ecfd4a1e86cdb4c2bd9501a8" continuedAt="i677ea6a739564ba8914d848c2cf7bb25"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialAssetsAtAmortisedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90ZXh0cmVnaW9uOjg1NDU1NTQ4MDU4MDQzZGZiNGU3ODA3NmZkNTUyMjM3XzE2Mw_b9b3b7fb-b06f-466a-8d19-2f1908c76002" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets, according to the nature of the financial instrument, is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:47.436%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.383%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.383%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.386%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortized cost (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzItMi0xLTEtNzE0Nzc0_69b0d611-844b-4169-a674-3150839ff86f">43,606</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzItMy0xLTEtNzE0Nzc0_fcd1a3f1-9940-4e2e-a3c8-2af532932b9a">34,781</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzItNC0xLTEtNzE0Nzc0_01ac6b0e-793c-4a09-8304-d6856fa4761e">35,737</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c9a3ce61bdd4dc5b989567b57ed5818_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzMtMi0xLTEtNzE0Nzc0_71bda35f-70a7-4bc5-9366-f6b73d5c071d">21</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i23ad76f101474fd9911d74d84d504342_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzMtMy0xLTEtNzE0Nzc0_2548fec0-bbdb-42c4-9157-40c474964d0b">15</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbb5398a70ff473f922798a4bca9516b_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzMtNC0xLTEtNzE0Nzc0_fec04ab8-120f-4e5d-b832-444ca45bd871">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i533ca7df0ebe49b399f30bd542a69bf0_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzQtMi0xLTEtNzE0Nzc0_38d29e51-616e-40ac-b134-4e7d7fedbbc7">40,389</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19eed759455f4a529b8c4b2a5e1bc821_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzQtMy0xLTEtNzE0Nzc0_e83fe32c-b827-4929-810b-e48f8b2b93fc">32,130</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d61da98a1d945d2b878d6bca56155e3_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzQtNC0xLTEtNzE0Nzc0_8817f5ac-6f27-4100-b8ad-41796533c340">28,727</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66c7c9d7226a4853b6e5f44d6ee05625_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzUtMi0xLTEtNzE0Nzc0_50a41317-3f01-4bf8-b78d-3a879979980e">1,177</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a4af323f23047dba0ffabf7ffa1ab53_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzUtMy0xLTEtNzE0Nzc0_ee01f616-4b68-48a2-b004-bc494627269e">817</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42ae1fdba31a4022a98f74640cbe62af_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzUtNC0xLTEtNzE0Nzc0_38a3f6db-bf62-4b0b-bd32-ccac16961354">783</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c174446aa834902bd3ea1d5db639c1d_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzYtMi0xLTEtNzE0Nzc0_3c81ccd3-c880-4b6b-ad02-4f51b4a24568">857</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i956c56f70b3f4bd184c2c39998e4a0ea_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzYtMy0xLTEtNzE0Nzc0_5baf846e-c3a4-4ce2-bb8f-7ab68df37545">525</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a6df97218e448899437f361bbe892d9_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzYtNC0xLTEtNzE0Nzc0_4da5b70e-957d-471f-9ad4-7278cbe99b93">5,027</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9613454d8f434d968c6b604a23c30ea5_I20221231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzctMi0xLTEtNzE0Nzc0_cb1d9bbe-8736-4ba3-b5e9-5758fbadde7f">1,162</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id90d0ae685e548499fc4b16e92f870cb_I20211231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzctMy0xLTEtNzE0Nzc0_40589c2c-f869-4e49-966a-86c8f2b06bbf">1,295</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8652649c76d46f494e47237278e59ec_I20201231" decimals="-6" name="bbva:DebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzctNC0xLTEtNzE0Nzc0_07ef7b98-cef6-45b8-9a76-5763060800a2">1,200</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzgtMi0xLTEtNzE0Nzc0_e0a64fd6-10fc-4386-895e-a851fa66e129">4,401</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzgtMy0xLTEtNzE0Nzc0_b937ae68-8d1d-4744-bed7-82bca922cedb">5,681</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzgtNC0xLTEtNzE0Nzc0_c437d8bc-7c35-46ee-afb3-28d8c884bce4">6,209</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzktMi0xLTEtNzE0Nzc0_07c41085-e7fe-4a83-a861-6fdc2abd50af">16,031</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzktMy0xLTEtNzE0Nzc0_64e66af5-6484-4dab-a4da-9522335b8f9a">13,276</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzktNC0xLTEtNzE0Nzc0_f3742e3e-0f7e-4027-ac4e-c4d00bb2f770">14,575</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i89dea6d4f1e74f1c9b7812e70fd554b6_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEwLTItMS0xLTcxNDc3NA_fd6a406a-83aa-4acb-96f8-046e50767500">5,251</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8e37bf9be5e4877be1808b091091af7_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEwLTMtMS0xLTcxNDc3NA_077eb31e-f22f-4b47-8d3d-a801936c5473">2,788</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf3ec6791a9a499690c6ac8ea3b0874f_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEwLTQtMS0xLTcxNDc3NA_c9500f95-77c2-4b9f-bef6-6f359687e459">1,914</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other loans and advances</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c1b8a222c454c48b500885dcf977521_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzExLTItMS0xLTcxNDc3NA_e497d3c0-1662-4599-b354-8708674aa93e">10,780</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c101c27e29d437f861e75837574686e_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzExLTMtMS0xLTcxNDc3NA_c520ba0e-b909-4531-b198-2c4a5c97f13a">10,488</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31975a672243497f9f71f9edf2ed87ae_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzExLTQtMS0xLTcxNDc3NA_777b111d-e1b2-4339-8e5f-6770baf04553">12,661</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEyLTItMS0xLTcxNDc3NA_838e4555-b7e9-492d-865e-648ce8ba28e2">358,023</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEyLTMtMS0xLTcxNDc3NA_344a906a-e545-4247-94b7-c8185f9763fb">318,939</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEyLTQtMS0xLTcxNDc3NA_7bdab0ae-31fc-4a5a-a854-c8671c0d436b">311,147</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i533ca7df0ebe49b399f30bd542a69bf0_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEzLTItMS0xLTcxNDc3NA_2313befe-aedd-4fec-9267-65ce743f7593">20,892</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19eed759455f4a529b8c4b2a5e1bc821_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEzLTMtMS0xLTcxNDc3NA_7b4183c8-3d43-46f4-957e-dd4d8f3892a2">19,682</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d61da98a1d945d2b878d6bca56155e3_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzEzLTQtMS0xLTcxNDc3NA_f8554abb-508f-4026-b1e7-c77fae4eed86">19,391</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c174446aa834902bd3ea1d5db639c1d_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE0LTItMS0xLTcxNDc3NA_920c96e1-b1a8-4827-9dae-43469db49d04">12,765</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i956c56f70b3f4bd184c2c39998e4a0ea_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE0LTMtMS0xLTcxNDc3NA_ba185cb9-762f-4f8e-b7b8-f8cb412133ff">9,804</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a6df97218e448899437f361bbe892d9_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE0LTQtMS0xLTcxNDc3NA_1917a453-e526-457f-bf2d-e6a4266abf9b">9,817</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9613454d8f434d968c6b604a23c30ea5_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE1LTItMS0xLTcxNDc3NA_5a8df4ef-1c24-44d8-8e82-f1ae21de7573">165,510</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id90d0ae685e548499fc4b16e92f870cb_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE1LTMtMS0xLTcxNDc3NA_f5ca4d6d-15a6-46a5-bd2e-b4125befc948">140,993</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8652649c76d46f494e47237278e59ec_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE1LTQtMS0xLTcxNDc3NA_cd8eb881-d915-43e2-84e9-89069f71bd20">136,424</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10281c330efb42869204095c756ea3e8_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE2LTItMS0xLTcxNDc3NA_81197ced-f61f-4b74-9523-0e7c60c74acc">158,855</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3bfb5ce155148f89da2d45bcb07457f_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE2LTMtMS0xLTcxNDc3NA_7df2314c-e12a-4ea5-8abf-2d1a4f8359c4">148,461</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if68531292eef440d85893a34387cccbd_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE2LTQtMS0xLTcxNDc3NA_c004ae7d-8032-45ec-8485-099fbaebbe27">145,515</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE3LTItMS0xLTcxNDc3NA_e01364e9-a85b-43a8-87bd-6b1625a468cb">422,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE3LTMtMS0xLTcxNDc3NA_17d00571-9364-41c2-b43d-bb9b202d040f">372,676</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE3LTQtMS0xLTcxNDc3NA_e426f90b-64b2-48ac-872f-4c370439bddf">367,668</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired assets of loans and advances to customers</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7.2.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide0c0b71086344c4b2fe59f3ab3a900d_I20221231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE4LTItMS0xLTcxNDc3NA_d0892793-a6dd-42d3-b435-ad8712c284b2">13,493</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4a7dcf661c544cd87bb5d311699a836_I20211231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE4LTMtMS0xLTcxNDc3NA_d609fb37-3d10-4300-aa0a-c811b4243724">14,657</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i767d10ebb3964f1591b6760f59d22b6e_I20201231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE4LTQtMS0xLTcxNDc3NA_245b484d-3c44-40b7-8965-cce6ddb70582">14,672</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: loss allowances of loans and advances</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7.2.5</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE5LTItMS0xLTcxNDc3NA_333e9d9e-471c-4441-a60a-2106f00ca7d1">11,291</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE5LTMtMS0xLTcxNDc3NA_d56b3f0d-e653-4b03-99c2-2dbd6fc3742f">11,142</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzE5LTQtMS0xLTcxNDc3NA_016637c1-bb3a-453d-b477-688a1b1f5db2">12,141</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: loss allowances of debt securities</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i559f96e1a77f454ea640e33257173c70_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzIwLTItMS0xLTcxNDc3NA_541e0c41-144b-4889-98e9-ee5f5d094a0a">93</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if16362567253457494314f6239a47205_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzIwLTMtMS0xLTcxNDc3NA_0bd05ee5-9795-40fe-b59b-13327721c213">52</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i313cb8d51def46fe8d20cdb5badb00df_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV83OTkvZnJhZzo4NTQ1NTU0ODA1ODA0M2RmYjRlNzgwNzZmZDU1MjIzNy90YWJsZTo3YzI0NWZlZjFhZDM0YmY4YjcxYjA1ZDUyOTA4NTliOS90YWJsZXJhbmdlOjdjMjQ1ZmVmMWFkMzRiZjhiNzFiMDVkNTI5MDg1OWI5XzIwLTQtMS0xLTcxNDc3NA_5a5a1ce3-0e3c-412d-887c-6b7c2c5217bd">48</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During financial years 2022, 2021 and 2020, there have been no significant reclassifications from the heading &#8220;Financial assets at amortized cost&#8221; to other headings or from other headings to &#8220;Financial assets at amortized cost&#8221;.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-115</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_802"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">14.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i677ea6a739564ba8914d848c2cf7bb25" continuedAt="icc1e7ace1dc84a489eb547b4a52c2af1">Debt securities</ix:continuation></span></div><ix:continuation id="icc1e7ace1dc84a489eb547b4a52c2af1" continuedAt="iab99f5f51e5d4c88acb58ec79be577f0"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DebtSecuritiesAtAmortizedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90ZXh0cmVnaW9uOmY5ZmZhOTJhNGU2MTQ4M2ZhNWJhYzg4ZmU3MmJhZDZmXzMx_4254099d-3229-4071-8684-d33cc1c4e7b8" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under the heading &#8220;Debt securities&#8221; in the consolidated balance sheets, according to the issuer of the debt securities, is as follows:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:13.163%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.041%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortized cost. Debt securities. (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Amortized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">cost</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">&#160;value </span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Amortized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">cost</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">&#160;value </span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Amortized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">cost</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">gains</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Unrealized </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">losses</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">Fair</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.09pt;font-weight:700;line-height:120%">&#160;value</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Domestic debt securities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Government and other government agencies</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia1a1566a5d70414d940b4acc4a411ee8_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtMS0xLTEtNzE0Nzc0_b422db69-26b8-41db-b952-90b33afb3040">18,397</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia1a1566a5d70414d940b4acc4a411ee8_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtMi0xLTEtNzE0Nzc0_dbcdedb6-b2b7-468b-9197-b462e22daa05">10</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia1a1566a5d70414d940b4acc4a411ee8_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtMy0xLTEtNzE0Nzc0_64093f93-d62c-4a56-a39a-56fc1d7f5c8c">1,330</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia1a1566a5d70414d940b4acc4a411ee8_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtNC0xLTEtNzE0Nzc0_a6944fa0-863d-4692-bf1a-83d28e9f3a89">17,077</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47d7e5c98d544f8ab90964949970a8c_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtNS0xLTEtNzE0Nzc0_7f278478-55bb-41cc-860b-3bc96e75fb53">17,693</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47d7e5c98d544f8ab90964949970a8c_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtNi0xLTEtNzE0Nzc0_7e0c1756-560c-4e28-a7b1-a0e170eed9a5">1,326</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib47d7e5c98d544f8ab90964949970a8c_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtNy0xLTEtNzE0Nzc0_b066a53e-be04-4d1e-b9c6-3218775f27e3">7</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47d7e5c98d544f8ab90964949970a8c_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtOC0xLTEtNzE0Nzc0_8f237078-d35b-4f9b-b7b4-319172a25e0e">19,013</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie05d3fd447614d94bd17cda47e1be86f_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtOS0xLTEtNzE0Nzc0_53968b71-1bd6-4a0d-8ce6-4d929fd05cf6">13,656</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie05d3fd447614d94bd17cda47e1be86f_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtMTAtMS0xLTcxNDc3NA_3d57e158-cbc2-419e-ad49-fa6064ccea44">1,212</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie05d3fd447614d94bd17cda47e1be86f_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtMTEtMS0xLTcxNDc3NA_ed7f67ac-a9b2-497d-a9bc-dcb03c9c3366">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie05d3fd447614d94bd17cda47e1be86f_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzQtMTItMS0xLTcxNDc3NA_a9482b49-767b-45cc-a192-c9b08729e053">14,868</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i713f0b6352534263ae3c9b13f48cc5db_I20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzYtOS0xLTEtNzE0Nzc0_822e6f70-89ec-4870-98a6-a9228bb3b97a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib186712fd4f242afb9b82550628b730f_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzYtMTAtMS0xLTcxNDc3NA_d3efe978-f7d6-4839-a70c-15673900d593">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib186712fd4f242afb9b82550628b730f_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzYtMTEtMS0xLTcxNDc3NA_aefe54a5-74d5-4762-8fa7-f5d7dbba28cc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib186712fd4f242afb9b82550628b730f_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzYtMTItMS0xLTcxNDc3NA_7fd2f733-dd34-4c91-a080-f1ac91768179">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26f225a5b408487dae1df82e4c426932_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctMS0xLTEtNzE0Nzc0_0c3e3996-fad1-4632-be07-9e40bcbe2848">144</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26f225a5b408487dae1df82e4c426932_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctMi0xLTEtNzE0Nzc0_5db9eafa-9c24-4b5d-ab56-284317b2b971">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i26f225a5b408487dae1df82e4c426932_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctMy0xLTEtNzE0Nzc0_583a9f8a-2d32-4fb0-ba81-bc1018e3cd85">18</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26f225a5b408487dae1df82e4c426932_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctNC0xLTEtNzE0Nzc0_6b258b00-1f01-4937-bdf6-cc7e187c96f2">127</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d41fe7c46434b67bfcaa4e18e662a7e_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctNS0xLTEtNzE0Nzc0_adabf41e-798e-4ccd-af9f-92d3b0f29bba">337</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d41fe7c46434b67bfcaa4e18e662a7e_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctNi0xLTEtNzE0Nzc0_d69928c7-e09b-4de7-ab7b-c832de85e0ef">10</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4d41fe7c46434b67bfcaa4e18e662a7e_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctNy0xLTEtNzE0Nzc0_3fa4e86c-f600-40bd-8785-c0ccc1de269f">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d41fe7c46434b67bfcaa4e18e662a7e_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctOC0xLTEtNzE0Nzc0_a4f60400-17ff-4691-a2f2-586240b037d3">341</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d5c9041b3854812b2d25b96bf02ab4a_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctOS0xLTEtNzE0Nzc0_1e68d208-78e2-438a-970b-60503ee37094">4,835</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d5c9041b3854812b2d25b96bf02ab4a_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctMTAtMS0xLTcxNDc3NA_f467844a-f507-44cc-994d-0c80637d0474">59</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5d5c9041b3854812b2d25b96bf02ab4a_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctMTEtMS0xLTcxNDc3NA_bc8f5b04-acd7-4e1e-bc22-76b9a8820e52">7</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d5c9041b3854812b2d25b96bf02ab4a_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzctMTItMS0xLTcxNDc3NA_df9269ec-2b1e-4db5-8d19-1201dd144afe">4,887</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Subtotal </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f4518e701514527a6c84ef97d1040a4_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtMS0xLTEtNzE0Nzc0_e205c5b0-ab7a-414b-b722-a5bd507604c4">18,541</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f4518e701514527a6c84ef97d1040a4_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtMi0xLTEtNzE0Nzc0_d14ab6b4-e4dd-4a36-bc5c-b34f02026d79">11</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2f4518e701514527a6c84ef97d1040a4_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtMy0xLTEtNzE0Nzc0_c79ad1f6-a4ef-462f-9ff1-7d3da5c88640">1,348</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f4518e701514527a6c84ef97d1040a4_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtNC0xLTEtNzE0Nzc0_5e898fc6-1c27-4580-bea7-81c36b15d222">17,204</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46920ca0a05a4ce6b347c49f9f388303_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtNS0xLTEtNzE0Nzc0_967f1bbb-5e97-4b94-a77f-1c0aa4987600">18,031</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46920ca0a05a4ce6b347c49f9f388303_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtNi0xLTEtNzE0Nzc0_d781e056-653d-4d54-9c0f-d068f2af76f9">1,336</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i46920ca0a05a4ce6b347c49f9f388303_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtNy0xLTEtNzE0Nzc0_a99577ca-4181-455d-89c2-14302b146903">13</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46920ca0a05a4ce6b347c49f9f388303_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtOC0xLTEtNzE0Nzc0_3afedf8a-82a9-46ca-b4ac-6fd498a1b5bb">19,353</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id98c47d44e2244779dfd423a0a1b776e_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtOS0xLTEtNzE0Nzc0_bed1b647-16cd-49ef-8d94-a54b1ed77602">18,492</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id98c47d44e2244779dfd423a0a1b776e_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtMTAtMS0xLTcxNDc3NA_ba281382-3be0-446c-b391-d8afd389045a">1,271</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id98c47d44e2244779dfd423a0a1b776e_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtMTEtMS0xLTcxNDc3NA_39e53975-d00f-451d-bf43-ca65eb7edf5c">7</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id98c47d44e2244779dfd423a0a1b776e_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzgtMTItMS0xLTcxNDc3NA_aba0c665-c1a2-42fc-9e64-63b07082a436">19,756</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Foreign debt securities</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i009c0c5c475a4b35832cc7d6696e833b_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEwLTEtMS0xLTcxNDc3NA_f7f9aec9-4f1d-4125-8f11-7a3e8e87bf34">10,743</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i009c0c5c475a4b35832cc7d6696e833b_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEwLTItMS0xLTcxNDc3NA_a908819b-d125-48f1-8043-1f31cafaabee">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i009c0c5c475a4b35832cc7d6696e833b_I20221231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTQtMS0xLTcxNDc3NA_34e45839-9af9-4c48-8162-32fd3768a13c">745</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb99778da5a14285b80177d78b8b58ff_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTUtMS0xLTcxNDc3NA_2fd61f31-f555-46b9-982f-c5150273af03">614</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb99778da5a14285b80177d78b8b58ff_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTYtMS0xLTcxNDc3NA_0c206d34-ddf3-49ae-ac46-d024a1c3afc8">11</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb99778da5a14285b80177d78b8b58ff_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTgtMS0xLTcxNDc3NA_4094a9f8-9157-4afc-91a5-505161708d87">625</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i537ec8e1457e4450a3f62e4dd31c9138_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTktMS0xLTcxNDc3NA_f8265607-fd87-4ba8-a1a6-8d1974ebb2bb">632</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i537ec8e1457e4450a3f62e4dd31c9138_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTEwLTEtMS03MTQ3NzQ_905430d7-0300-4602-8ceb-a538848ca4c3">55</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i537ec8e1457e4450a3f62e4dd31c9138_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTExLTEtMS03MTQ3NzQ_54256f1e-9954-4110-97d0-ea11da867e39">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i537ec8e1457e4450a3f62e4dd31c9138_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzEzLTEyLTEtMS03MTQ3NzQ_2605ff80-b633-4c9a-861c-effe380aa6dd">687</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9877c386546b43fca5a5f1f487940dd1_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTEtMS0xLTcxNDc3NA_3ccb0ddd-03e9-4054-9756-e689c5b4baeb">192</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9877c386546b43fca5a5f1f487940dd1_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTQtMS0xLTcxNDc3NA_cc63480d-69b4-40eb-8162-e513ce63fc5a">192</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7b64f7128d34df2b12c8609556dcbb2_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTUtMS0xLTcxNDc3NA_b17676de-afaa-4a54-8a2e-437538c3c42d">181</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7b64f7128d34df2b12c8609556dcbb2_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTctMS0xLTcxNDc3NA_1a67c722-c280-43e9-948d-ed38eff01367">7</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if7b64f7128d34df2b12c8609556dcbb2_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTgtMS0xLTcxNDc3NA_09878623-5ef7-4b71-b4ee-506b92ae0e6f">175</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc35dd37317d4082a734af131787ec84_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTExLTEtMS03MTQ3NzQ_804020c3-231e-4264-bfc6-eb36eacec5d5">16</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc35dd37317d4082a734af131787ec84_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE0LTEyLTEtMS03MTQ3NzQ_2814ff27-8e9a-464a-ba7f-0ed1f756da31">160</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff24d692f6ff46be8b79e03c16cf1f13_I20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE1LTMtMS0xLTcxNDc3NA_9c41f059-da5d-43f3-a291-dbcae217c5e6">10</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff24d692f6ff46be8b79e03c16cf1f13_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzE2LTEyLTEtMS03MTQ3NzQ_f8b116dc-aa8e-4c08-ad0c-27b464f8eaf7">14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzIyLTEwLTEtMS03MTQ3NzQ_d557457a-8b7c-4e4b-8305-0257c8c30a1b">95</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i374b7588b24e44c2b6b226a2f9ac3ec4_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI3LTEwLTEtMS03MTQ3NzQ_43517218-00ff-4148-aeaf-29a5c233b656">505</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7f743333a2734ccbb24b4d6bc12c8a83_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI3LTExLTEtMS03MTQ3NzQ_f91bfd68-5085-4cac-bfb2-8c73207f9324">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f743333a2734ccbb24b4d6bc12c8a83_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI3LTEyLTEtMS03MTQ3NzQ_532f7417-a7aa-4ee9-af82-81f08ed6853f">6,299</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other foreign governments and other government agency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb56a97c2f0f4045ad315adf3f58d7a6_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTEtMS0xLTcxNDc3NA_b7c3dc8c-7038-4e17-9d67-fd1ec6a44c8e">4,701</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb56a97c2f0f4045ad315adf3f58d7a6_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTItMS0xLTcxNDc3NA_de7db095-f274-46a7-afa9-d288f6d0570b">32</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb56a97c2f0f4045ad315adf3f58d7a6_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTMtMS0xLTcxNDc3NA_8584948a-20a3-4baa-88f2-f4dd2b54ae7c">311</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb56a97c2f0f4045ad315adf3f58d7a6_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTQtMS0xLTcxNDc3NA_4dae80a7-e3ce-42d2-ba10-2f3013bb3fac">4,423</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b514b46726c41d5b0bd0694c5bbdfa0_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTUtMS0xLTcxNDc3NA_c1813ed2-4a0f-467f-9448-a97701e727b5">4,144</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b514b46726c41d5b0bd0694c5bbdfa0_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTYtMS0xLTcxNDc3NA_559bf641-36bf-498b-b099-277b62d8ee28">257</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5b514b46726c41d5b0bd0694c5bbdfa0_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTctMS0xLTcxNDc3NA_cbf84725-f212-4e72-9fd4-a837ab260c62">28</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b514b46726c41d5b0bd0694c5bbdfa0_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTgtMS0xLTcxNDc3NA_d4befd06-2329-4297-8843-a687de974b5b">4,374</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7906f9abea8f4de8a1cb7347302c6cde_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTktMS0xLTcxNDc3NA_c4d3b4b4-0054-454d-b4b0-f309954bd3a3">4,473</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7906f9abea8f4de8a1cb7347302c6cde_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTEwLTEtMS03MTQ3NzQ_430419a7-1206-4aca-8e8a-88311aa1ef2e">467</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7906f9abea8f4de8a1cb7347302c6cde_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI4LTExLTEtMS03MTQ3NzQ_a8daa894-865d-4d9d-ba59-0aab17bef4bc">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7906f9abea8f4de8a1cb7347302c6cde_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" 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name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzI5LTEtMS0xLTcxNDc3NA_8c9b9508-0139-4602-b1d8-6bd512fe05cc">21</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55cdc2a9c26c49a698c1001104e25104_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTYtMS0xLTcxNDc3NA_2510dbd9-6d70-4571-8fbc-39d24cff434f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa1171f205774eaa93e3557124e0fbb2_I20211231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTctMS0xLTcxNDc3NA_58c3b8cb-41f7-4c46-a9c2-4f675d51ac46">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa1171f205774eaa93e3557124e0fbb2_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTgtMS0xLTcxNDc3NA_ad6ac1c7-cb43-4281-9544-cacb964fea54">171</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7851a608d3ab4f1c804f5cd435108c3d_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTktMS0xLTcxNDc3NA_b43a8bf9-47bf-4f85-88cb-53f0e6d6b702">122</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7851a608d3ab4f1c804f5cd435108c3d_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTEwLTEtMS03MTQ3NzQ_f0f55ed6-17b5-483e-acfc-035c3f08d022">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7851a608d3ab4f1c804f5cd435108c3d_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTExLTEtMS03MTQ3NzQ_f17aa522-ec3b-49da-b00b-93762870ee67">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7851a608d3ab4f1c804f5cd435108c3d_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMwLTEyLTEtMS03MTQ3NzQ_979d7003-b169-4ed6-8155-f8c61fa949df">122</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b4371836c9544cd8419d06e1eb5d43c_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTEtMS0xLTcxNDc3NA_5c2a0a81-4390-4d74-b0cb-142ee5901e3b">1,458</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b4371836c9544cd8419d06e1eb5d43c_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTItMS0xLTcxNDc3NA_03aea994-9ff4-4e66-b57f-45805cf3cb4e">10</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b4371836c9544cd8419d06e1eb5d43c_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTMtMS0xLTcxNDc3NA_1492ce40-4436-4522-ae13-a134b20731cc">21</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b4371836c9544cd8419d06e1eb5d43c_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTQtMS0xLTcxNDc3NA_9b371880-48f6-4a13-9c4f-71c0db7df12e">1,448</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15d5ca07832744a89ea20aea71b61c03_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTUtMS0xLTcxNDc3NA_b69c1fb3-a081-490f-a81d-0bb71285ea4b">1,243</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15d5ca07832744a89ea20aea71b61c03_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTYtMS0xLTcxNDc3NA_eff7cd42-a38b-409c-bf0d-65f3b641b28d">32</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i15d5ca07832744a89ea20aea71b61c03_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTctMS0xLTcxNDc3NA_4b7ce1dd-e814-4af0-acea-adf045d39b9c">9</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15d5ca07832744a89ea20aea71b61c03_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTgtMS0xLTcxNDc3NA_21fd0d9e-8a45-4119-b06c-cc534f22cc3e">1,267</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib41495895d07448aa9794951344b9ba4_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTktMS0xLTcxNDc3NA_870e1df5-934d-4f49-9809-e71ab41eb112">1,200</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib41495895d07448aa9794951344b9ba4_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTEwLTEtMS03MTQ3NzQ_c609bce6-29bf-4a74-88c0-e8923b409bde">38</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib41495895d07448aa9794951344b9ba4_I20201231" decimals="-6" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTExLTEtMS03MTQ3NzQ_8f41a39a-2ce6-424e-aa81-3e11b5aaa70e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib41495895d07448aa9794951344b9ba4_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMxLTEyLTEtMS03MTQ3NzQ_7d0f94be-8ec2-401b-b237-1fab4ab8247c">1,238</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Subtotal </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78b2a44639614a80ada47131497c6d88_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTEtMS0xLTcxNDc3NA_17d149fb-c9e9-451d-8674-2477f0f4be02">25,065</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78b2a44639614a80ada47131497c6d88_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTItMS0xLTcxNDc3NA_8ac6bf73-1d87-468d-bdec-7969a726e33b">45</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i78b2a44639614a80ada47131497c6d88_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTMtMS0xLTcxNDc3NA_325b9262-0c89-4428-9fce-e0291c88e0fe">353</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78b2a44639614a80ada47131497c6d88_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTQtMS0xLTcxNDc3NA_f47ae625-5791-49d5-b010-df5952316b3f">24,757</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cb18f926e504f28a5789f016cf0aa14_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTUtMS0xLTcxNDc3NA_ecaa71df-6456-43c8-9dca-5c91f0bf7d59">16,750</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cb18f926e504f28a5789f016cf0aa14_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTYtMS0xLTcxNDc3NA_462049fb-46d0-44c9-ae7d-319f759602bb">614</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4cb18f926e504f28a5789f016cf0aa14_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTctMS0xLTcxNDc3NA_c2a5b56a-5ebd-4c2f-9b0d-f330e8bb399e">270</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cb18f926e504f28a5789f016cf0aa14_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTgtMS0xLTcxNDc3NA_58dd638e-1529-43a4-b03b-622dfee253ce">17,094</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i102d01fae2e7418184c32373edf1a12a_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTktMS0xLTcxNDc3NA_af5e4577-ef10-43c8-9430-afd0c6a4788b">17,245</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i102d01fae2e7418184c32373edf1a12a_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTEwLTEtMS03MTQ3NzQ_3d61ca7b-1c4f-49ad-bcfd-a2d03ac23254">1,134</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i102d01fae2e7418184c32373edf1a12a_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTExLTEtMS03MTQ3NzQ_61c7a5bd-a04a-4bd2-bee5-a85c02b04c03">68</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i102d01fae2e7418184c32373edf1a12a_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMyLTEyLTEtMS03MTQ3NzQ_58e495da-c06c-4237-a110-6274fb949a6b">18,311</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTEtMS0xLTcxNDc3NA_279e678a-54cc-4497-9a19-ffa59c6fa342">43,606</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTItMS0xLTcxNDc3NA_cba67e8a-0aa0-4046-916b-1a7cb1951845">56</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTMtMS0xLTcxNDc3NA_151dcdc3-a863-411a-9e5e-e23f076ea79c">1,701</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTQtMS0xLTcxNDc3NA_8466e319-8638-4c88-981f-da7165a2fc39">41,961</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTUtMS0xLTcxNDc3NA_3cbbe06e-37c4-4e7f-a8c6-aeae689ad28a">34,781</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTYtMS0xLTcxNDc3NA_ffcf7b69-d62b-4164-9f6e-1d5207a9058e">1,950</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTctMS0xLTcxNDc3NA_14ac3b2f-85c7-43b3-ad5b-6f346b5b3eea">284</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTgtMS0xLTcxNDc3NA_961438af-1960-4652-a162-b16a3040424f">36,447</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AmortizedCostOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTktMS0xLTcxNDc3NA_b9bf12f5-2cab-4ff8-b0fc-c9cc4e530b73">35,737</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTEwLTEtMS03MTQ3NzQ_64cb862c-e583-4801-9381-be2efd0b552a">2,405</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTExLTEtMS03MTQ3NzQ_a8fa33e9-836c-4fe2-98cb-dccc4975105b">75</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:FairValueOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTpkODFiYTI3YzAwYmU0Y2QzYjYxNjg5YWU1YjgxNzFlNS90YWJsZXJhbmdlOmQ4MWJhMjdjMDBiZTRjZDNiNjE2ODlhZTViODE3MWU1XzMzLTEyLTEtMS03MTQ3NzQ_29853393-3785-41f1-8f15-c367e1fd24fd">38,067</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-116</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iab99f5f51e5d4c88acb58ec79be577f0" continuedAt="ieb77db5e6a2e4e1c814f4bef19bb0087"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DebtSecuritiesByRatingTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90ZXh0cmVnaW9uOmY5ZmZhOTJhNGU2MTQ4M2ZhNWJhYzg4ZmU3MmJhZDZmXzI5_bca3220c-cbfe-46ee-a932-094897edea28" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the distribution according to the credit quality (ratings) of the issuers of debt securities classified as financial assets at amortized cost, was as follows:</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:27.867%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.383%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.996%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities by rating</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of Euros)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of Euros)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Millions of Euros)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6af398295234005a6d5c1dcbb8e2c08_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzUtMS0xLTEtNzE0Nzc0_61b134b9-f830-40e5-a142-f55c9c433e80">86</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib6af398295234005a6d5c1dcbb8e2c08_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzUtMi0xLTEtNzE0Nzc0_6644a539-6c06-46e0-af51-50b4422a1219">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i95a748e0c6f447f19a0eb229ec07e3c2_I20211231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzUtMy0xLTEtNzE0Nzc0_bbcc3573-f730-4993-82d7-286a5a64ac1e">76</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i95a748e0c6f447f19a0eb229ec07e3c2_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzUtNC0xLTEtNzE0Nzc0_c99a9767-7883-49c8-a44a-19339ec2090e">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f892ed857db4a6f941149dcc777364f_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzUtNS0xLTEtNzE0Nzc0_18430290-ada3-4c9d-bd08-775bf3dec38b">64</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i8f892ed857db4a6f941149dcc777364f_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzUtNi0xLTEtNzE0Nzc0_d1dac178-2a21-4b4d-bd3e-95d95ebe8074">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AA-</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9939d53dd6ca4c45bd8f6d1c0416fcff_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzYtMS0xLTEtNzE0Nzc0_a2c0581d-d016-4c05-8cff-21dc42cb16db">108</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9939d53dd6ca4c45bd8f6d1c0416fcff_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzYtMi0xLTEtNzE0Nzc0_fdc89e34-f8db-4d84-b599-ac392406eb54">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccb2d7d8119b41de9fe5001f85d40d18_I20211231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzYtMy0xLTEtNzE0Nzc0_37807218-7e46-44c0-bacf-26afbb9c05dc">69</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iccb2d7d8119b41de9fe5001f85d40d18_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzYtNC0xLTEtNzE0Nzc0_3bd72d75-104d-4bbf-a5f5-11666c50405a">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i245fe7e5673a42749d71332dd014aaf9_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzYtNS0xLTEtNzE0Nzc0_f86c91f2-8f61-48a9-8294-0c7c31ae5653">48</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i245fe7e5673a42749d71332dd014aaf9_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzYtNi0xLTEtNzE0Nzc0_b746d7ee-1e7c-4083-8e23-4344ce58d31c">0.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A+</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i14e25c0665be4ba7bcf0d98685771fa0_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzctMS0xLTEtNzE0Nzc0_79069768-2633-40d9-97a8-dd85a0f45ae8">13</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i14e25c0665be4ba7bcf0d98685771fa0_I20221231" decimals="6" 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contextRef="i9827d0c508ae4b3cae718de9a38f5f1a_I20211231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzctMy0xLTEtNzE0Nzc0_735f9036-600c-4e26-a4dc-f0bb0f6c3720">62</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9827d0c508ae4b3cae718de9a38f5f1a_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzgtNS0xLTEtNzE0Nzc0_5caa99d1-be3a-4fbd-b589-3010160fb52b">590</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i4ed39c09320f4a0ca5dc535e4c4a3998_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" 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decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEwLTMtMS0xLTcxNDc3NA_8da3272e-8125-40cd-ae5f-068b83d32a7c">9,336</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i73c33ba995844fa08e1ad32aed65baa5_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEwLTYtMS0xLTcxNDc3NA_ed5d562f-276c-4e4a-abc6-302f6692874d">22.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBB</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzExLTMtMS0xLTcxNDc3NA_baa1e74c-4985-4f65-9d0f-1c125534f659">3,853</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i106c789b2e444a5399af27657a554ad0_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzExLTQtMS0xLTcxNDc3NA_27611e02-5b56-4624-ba80-81b8b71fc769">11.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i440abb5ab77c45939c581ed999d9def1_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c7d65141dc944dbb7144f6ad1c5929c_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEyLTEtMS0xLTcxNDc3NA_ed2b3808-d806-40b6-9ed2-5151c1826693">535</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i3c7d65141dc944dbb7144f6ad1c5929c_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEyLTItMS0xLTcxNDc3NA_d19248bd-971d-438f-8d21-b4b856df378b">1.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib0ac055c866a48709c344a3b218b49ce_I20211231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEyLTMtMS0xLTcxNDc3NA_cababe1f-ee25-440f-92e6-3c617f0e7d59">527</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ib0ac055c866a48709c344a3b218b49ce_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEyLTQtMS0xLTcxNDc3NA_4a392fd0-8490-4292-bb26-c7661aa2190e">1.5</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9214d610ea2a4232ab6813a6107cddb6_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEyLTUtMS0xLTcxNDc3NA_e72b69f5-3ca2-4525-b47d-d7e9a9ad2b0e">4,499</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9214d610ea2a4232ab6813a6107cddb6_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEyLTYtMS0xLTcxNDc3NA_903f5ee6-be57-4573-b6c8-219ff00f3ed1">12.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BB+ or below</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b3a4eef47284fc8afbc52af5db2e3cc_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEzLTEtMS0xLTcxNDc3NA_749e4ee5-45ba-4cad-9236-637fffb71b8d">5,967</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0b3a4eef47284fc8afbc52af5db2e3cc_I20221231" 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decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEzLTMtMS0xLTcxNDc3NA_63769db8-c01c-4a04-a963-1087c5931a9a">3,120</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id580077b77864c0ba3108727fd107ecf_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEzLTQtMS0xLTcxNDc3NA_ec41b372-abbe-4336-b674-0e3473f93632">9.0</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i179fad9a0fe64d559d5db84cbaf4323f_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEzLTUtMS0xLTcxNDc3NA_657fa2b3-339b-4989-962a-cc05c3b80b65">3,928</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i179fad9a0fe64d559d5db84cbaf4323f_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzEzLTYtMS0xLTcxNDc3NA_a209324c-748f-49f1-b760-1cfc96138b4b">11.0</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unclassified</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19ec17d2702e4d279c1189f7ef93a026_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE0LTEtMS0xLTcxNDc3NA_59ab869f-3b85-47fd-b5dd-f7b7f9b3112b">667</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i19ec17d2702e4d279c1189f7ef93a026_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE0LTItMS0xLTcxNDc3NA_05911813-6f54-4414-97aa-43e8ce57a0a5">1.5</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ed05620179747c4870074d4ef959a45_I20211231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE0LTMtMS0xLTcxNDc3NA_59555178-cd90-409f-b46b-691bb69d89b3">587</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0ed05620179747c4870074d4ef959a45_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE0LTQtMS0xLTcxNDc3NA_b4016427-a5c7-4453-a329-43e4360e17c3">1.7</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8418deac16b4f729c27b476754fa649_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE0LTUtMS0xLTcxNDc3NA_70ca41f1-f792-490e-a8e0-e6806f74c166">743</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if8418deac16b4f729c27b476754fa649_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE0LTYtMS0xLTcxNDc3NA_08d3c976-7976-4811-9878-fc63882161b4">2.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE1LTEtMS0xLTcxNDc3NA_cdbec2e9-50b4-4b03-8d29-6547ea7ebdab">43,606</ix:nonFraction></span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="6" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE1LTItMS0xLTcxNDc3NA_17892bdc-b116-444f-ae54-f766e0290fa1">100.0</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE1LTMtMS0xLTcxNDc3NA_90198618-377d-45ec-9b29-be5d0ff5066e">34,781</ix:nonFraction></span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE1LTQtMS0xLTcxNDc3NA_4194a436-98c8-48ab-828e-47e1c06ec859">100.0</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CarryingAmountOfDebtSecuritiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE1LTUtMS0xLTcxNDc3NA_08caf7c7-2c33-422d-8b24-ae12ed086ecb">35,737</ix:nonFraction></span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDIvZnJhZzpmOWZmYTkyYTRlNjE0ODNmYTViYWM4OGZlNzJiYWQ2Zi90YWJsZTo4OTMwOTUyYzZlZmU0ZWMyOWFjOTIwYTEzMjNlZjQ2ZS90YWJsZXJhbmdlOjg5MzA5NTJjNmVmZTRlYzI5YWM5MjBhMTMyM2VmNDZlXzE1LTYtMS0xLTcxNDc3NA_d434ad22-59e5-4059-a615-b54d67486b72">100.0</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_805"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">14.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ieb77db5e6a2e4e1c814f4bef19bb0087" continuedAt="ia536054b9b3a460d92e56bae4910a742">Loans and advances to customers</ix:continuation></span></div><ix:continuation id="ia536054b9b3a460d92e56bae4910a742"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LoansAndAdvancesToCustomersTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90ZXh0cmVnaW9uOjBlNDJmZmZlMzA3NDRjZjRiOTJkNWZjNDExNzRlNDNhXzM3NA_465964b5-86f0-4be8-a7ad-7c529c2bc7a5" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets, according to their nature, is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.448%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.383%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.383%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.386%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to customers (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On demand and short notice</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03cb55c6ca1645479e1a9164666e1ba9_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzItMi0xLTEtNzE0Nzc0_283eb13c-efdf-45a2-876d-486c905c7b28">4,101</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iffd9cad19a0f4a23add2647263dfe053_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzItMy0xLTEtNzE0Nzc0_b6c1b79d-d23e-432a-8a34-44ae78c2e4f9">3,161</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d1b1877023b4604880fc48c42929d53_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzItNC0xLTEtNzE0Nzc0_41075868-3e0b-43e0-904a-1a60db6e651f">2,835</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit card debt</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7ba3284b4a4442e9eefac497ebdae8f_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzMtMi0xLTEtNzE0Nzc0_0a45f2d3-dba8-4a56-b948-ae5e6771370a">18,898</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i498e0cb914a64bf6822b374d956c816a_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzMtMy0xLTEtNzE0Nzc0_d6b488d0-09b9-43a3-9a13-a602bff10b94">14,030</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba531301f9194faaa9a08860fa8fdaf9_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzMtNC0xLTEtNzE0Nzc0_bd0e0678-cccc-4f5e-bbd0-eeb7a81bcec7">13,093</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trade receivables</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i011d751a87dc400e9642125e31caf297_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzQtMi0xLTEtNzE0Nzc0_ddba483d-3c7e-499f-9944-1d2a463ecd00">25,987</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i469a2fe019184bd3a3391fb75ea2c41b_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzQtMy0xLTEtNzE0Nzc0_7d8ea79b-88b0-4092-b866-1b19b6697fa2">19,524</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i924a5248383845b28ccc3dfd459d7c6c_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzQtNC0xLTEtNzE0Nzc0_3559daef-7ec2-4455-818a-59b11260af6d">15,544</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance leases</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44b575f303d1403db2cc9f801c046b69_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzUtMi0xLTEtNzE0Nzc0_e063f20f-0183-4c29-ac4b-196afc638c1b">8,571</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5041c34d2c494d049d062eacb28808de_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzUtMy0xLTEtNzE0Nzc0_7d4c4a19-29e3-4513-85f6-f0a1f3e92902">7,911</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i023b0b52d3504f34ac5dc639391773c7_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzUtNC0xLTEtNzE0Nzc0_c6eba246-6426-4ca5-b5a1-ffb70433e094">7,650</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4bb90ee178342589c77311039aa9671_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzYtMi0xLTEtNzE0Nzc0_0cea0602-0585-405d-80b4-817811a6302b">102</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i05b29d1a31ec4b36b3e924add7134607_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzYtMy0xLTEtNzE0Nzc0_b66c08b6-0560-48a8-8284-a9b80685ead0">23</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idad0c589330b4bd6897f7bb4f79bdf2d_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzYtNC0xLTEtNzE0Nzc0_3fc97a60-3b17-4138-91f4-04b6fd54dea2">71</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other term loans</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief5ed4c2af7c4096a22f52ac12eb4c57_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzctMi0xLTEtNzE0Nzc0_2118eb98-d3d7-45f3-83de-2ac62d4033bd">294,059</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib0aae232a0d94b9d8d3af54bf6fbfaa5_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzctMy0xLTEtNzE0Nzc0_a6d8683a-54df-4b14-9397-c8e75157c02a">268,047</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a8001a298e6465084fe3a61c5df47cf_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzctNC0xLTEtNzE0Nzc0_10d2da63-2969-453e-9625-c64a5726822e">267,031</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advances that are not loans</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf8df1de03974bb493c3428a47721709_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzgtMi0xLTEtNzE0Nzc0_57c1035b-1efd-4cd0-b867-4f1750db5ae2">6,305</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5e95e995a444d2d80b94ec6e4da316d_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzgtMy0xLTEtNzE0Nzc0_7cb79ed0-f92b-412a-baab-936ca5363682">6,243</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff98f4c596f643099df6b74a86ce9cd7_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzgtNC0xLTEtNzE0Nzc0_dd6314fd-a108-462f-b7cd-57355ab346e1">4,924</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzktMi0xLTEtNzE0Nzc0_1eceb3d4-f0b4-4dc0-b360-982adbde771d">358,023</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzktMy0xLTEtNzE0Nzc0_68443ce6-d2ef-475e-a9ed-a62d4359e7a7">318,939</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZToxMzBlZmQ2NDVlZjg0YjVjOTRiOWRhMTcwZDk4NWZhNC90YWJsZXJhbmdlOjEzMGVmZDY0NWVmODRiNWM5NGI5ZGExNzBkOTg1ZmE0XzktNC0xLTEtNzE0Nzc0_8624219a-09ab-4301-8794-0731a7332abd">311,147</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Financial assets at amortized cost &#8211; Loans and advances to customers&#8221; in the consolidated balance sheets also includes certain secured loans that, pursuant to the Mortgage Market Act, are linked to long-term mortgage covered bonds.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateFixedAndFloatingTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90ZXh0cmVnaW9uOjBlNDJmZmZlMzA3NDRjZjRiOTJkNWZjNDExNzRlNDNhXzM3NQ_ffb5f1f2-874e-4eab-af1c-e75d537d0bd1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table sets forth a breakdown of the gross carrying amount "Loans and advances to customers" with maturity greater than one year by fixed and variable rate as of December 31, 2022, 2021 and 2020:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.760%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances maturing in more than one year by fixed and variable rate (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Domestic</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Foreign</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia14828a9657d460282913a0f7d715e40_I20221231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtMS0xLTEtNzE0Nzc0_ee0e2b5c-d5ec-482d-8652-a5e9af9f9391">59,394</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia14828a9657d460282913a0f7d715e40_I20221231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtMi0xLTEtNzE0Nzc0_d2b8b366-4d04-4bc1-8d45-ca5350fa6114">67,874</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia14828a9657d460282913a0f7d715e40_I20221231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtMy0xLTEtNzE0Nzc0_98fd58bb-899b-44ae-9910-64cef9d0095a">127,269</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4eefe915c2394befac277bf129de0454_I20211231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtNC0xLTEtNzE0Nzc0_2e903e85-bc6f-43d1-aa84-2404964be307">56,756</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4eefe915c2394befac277bf129de0454_I20211231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtNS0xLTEtNzE0Nzc0_4d6c0e46-5f62-4a92-8036-54b8d9e2d8da">62,228</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4eefe915c2394befac277bf129de0454_I20211231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtNi0xLTEtNzE0Nzc0_7c40fdc0-b84b-4823-ba17-80120a6fa10a">118,984</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb5c07a45a9b449eb965ea18dd11a92a_I20201231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtNy0xLTEtNzE0Nzc0_09f64b26-4911-422d-8a88-8fcfe507a69e">46,104</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb5c07a45a9b449eb965ea18dd11a92a_I20201231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtOC0xLTEtNzE0Nzc0_241b58ce-60db-4dcb-9c80-030c9c80f8e3">66,444</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb5c07a45a9b449eb965ea18dd11a92a_I20201231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzMtOS0xLTEtNzE0Nzc0_09f7ef2b-870b-456e-b1e0-73ec82bd7dfa">112,548</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Variable rate</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i016fd41c3dd849d4b031bc66ecf8f981_I20221231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtMS0xLTEtNzE0Nzc0_86ac056e-f728-45e4-88a7-b2d40f72d04b">69,647</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i016fd41c3dd849d4b031bc66ecf8f981_I20221231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtMi0xLTEtNzE0Nzc0_46edbcfa-f524-4db9-83c7-1d5b17019664">53,440</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i016fd41c3dd849d4b031bc66ecf8f981_I20221231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtMy0xLTEtNzE0Nzc0_05a6c666-40ea-4cb8-9749-a9b88701f478">123,087</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e7d344ec4b34f5190fc9838b87f26d3_I20211231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtNC0xLTEtNzE0Nzc0_d307fb02-b263-4edb-aafc-db43e5d39f21">75,544</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e7d344ec4b34f5190fc9838b87f26d3_I20211231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtNS0xLTEtNzE0Nzc0_6f638fbb-8334-428d-a4ac-0272c9db260c">44,237</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e7d344ec4b34f5190fc9838b87f26d3_I20211231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtNi0xLTEtNzE0Nzc0_cd7cce7e-652a-4137-a85b-cacc7ddfd667">119,781</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i375959edd7fc460e9fb712b9f2910125_I20201231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtNy0xLTEtNzE0Nzc0_7e95d62b-ab41-4d8d-b10f-70bce11704d2">86,710</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i375959edd7fc460e9fb712b9f2910125_I20201231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtOC0xLTEtNzE0Nzc0_25791f12-0165-49bc-afe3-d7a0e7e4825f">41,452</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i375959edd7fc460e9fb712b9f2910125_I20201231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzQtOS0xLTEtNzE0Nzc0_f85c0665-8a0b-48f7-8a12-153be04177b1">128,162</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtMS0xLTEtNzE0Nzc0_573b9eca-e295-40fd-b602-ec23cacd1557">129,042</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtMi0xLTEtNzE0Nzc0_561378cc-4378-49ef-be46-aad00e3c8c1a">121,314</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtMy0xLTEtNzE0Nzc0_19b489ad-b848-49a7-829a-e6106a52726c">250,356</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtNC0xLTEtNzE0Nzc0_6e9de307-066e-4c4b-a8c4-1901446fff54">132,300</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtNS0xLTEtNzE0Nzc0_dd565088-4b6f-4836-8397-63fbee3f7873">106,465</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtNi0xLTEtNzE0Nzc0_c4ee2836-30ba-4dd2-8a9d-ac452ac9633b">238,765</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtNy0xLTEtNzE0Nzc0_ce05e5da-8679-47f9-8d2e-7a47e4ac08e8">132,814</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtOC0xLTEtNzE0Nzc0_dbc1b9b0-d10f-4d7b-82e9-5eb5d8852243">107,895</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTozZDg2NTI3MjdjODk0NGZiYmRkYzA1OTg3ZGQ5ZTYwNy90YWJsZXJhbmdlOjNkODY1MjcyN2M4OTQ0ZmJiZGRjMDU5ODdkZDllNjA3XzUtOS0xLTEtNzE0Nzc0_f8018e1c-ba6a-44a3-b9ee-5493a7cd06bd">240,710</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, 51%, 50% and 47%, respectively, of "Loans and advances to customers" with maturity greater than one year have fixed-interest rates and 49%, 50% and 53%, respectively, have variable interest rates.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SecuritizedLoansTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90ZXh0cmVnaW9uOjBlNDJmZmZlMzA3NDRjZjRiOTJkNWZjNDExNzRlNDNhXzM3Ng_3603a18a-409d-466a-a5b7-4d4cad796aa3" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This heading also includes some loans that have been securitized. The balances recognized in the consolidated balance sheets corresponding to these securitized loans are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.306%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Securitized loans (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securitized mortgage assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:SecuritizedMortgageAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzItMi0xLTEtNzE0Nzc0_343eb6f5-0cef-4a06-8a6e-b16fb9b8d57c">23,290</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:SecuritizedMortgageAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzItMy0xLTEtNzE0Nzc0_528131ee-e488-4d1c-a2cb-e2dd19f9d45c">23,695</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:SecuritizedMortgageAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzItNC0xLTEtNzE0Nzc0_7d99a972-34db-4c0d-b58c-e7c885a48c39">23,953</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other securitized assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherSecuritizedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzUtMi0xLTEtNzE0Nzc0_caf8df92-8026-4291-8b8a-62d316671f0f">5,495</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherSecuritizedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzUtMy0xLTEtNzE0Nzc0_1ab27e25-6ed8-44f3-9707-91d0f57ec76c">6,547</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherSecuritizedAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzUtNC0xLTEtNzE0Nzc0_8e74ae91-1a24-40e9-8a40-3986859cdd2a">6,144</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TotalSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzgtMi0xLTEtNzE0Nzc0_e8cb8758-1be6-48eb-8362-074d47ba5dcf">28,784</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:TotalSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzgtMy0xLTEtNzE0Nzc0_738fbb91-ac26-478b-8de7-6dcca1d394b5">30,242</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TotalSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDUvZnJhZzowZTQyZmZmZTMwNzQ0Y2Y0YjkyZDVmYzQxMTc0ZTQzYS90YWJsZTpjMjNhZGNlYTFiNWE0ZDIwOWRkYTgxNWYwMTIwZWE0Ni90YWJsZXJhbmdlOmMyM2FkY2VhMWI1YTRkMjA5ZGRhODE1ZjAxMjBlYTQ2XzgtNC0xLTEtNzE0Nzc0_ca351cec-417b-4755-8391-5166ba66261b">30,098</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-117</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_808"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">15.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90ZXh0cmVnaW9uOjY5ZDZiNmRlYzM2MTQyYTlhZjNkNGU1ODZiNTVjOTQ2XzUw_b63d7a83-336c-48a6-8837-41556b48ea18" continuedAt="ib28a267f3026469288be6b247ddcde98" escape="true">Hedging derivatives and fair value changes of the hedged items in portfolio hedges of interest rate risk</ix:nonNumeric></span></div><ix:continuation id="ib28a267f3026469288be6b247ddcde98" continuedAt="i7f0c69369d9148b79823fe2a45321b6b"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90ZXh0cmVnaW9uOjY5ZDZiNmRlYzM2MTQyYTlhZjNkNGU1ODZiNTVjOTQ2XzUx_daeec82c-440c-4204-ba2f-428d9b2dec1f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balance of these headings in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:68.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.103%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives - Hedge accounting</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzMtMi0xLTEtNzE0Nzc0_c83bf0af-7066-4e26-b84b-da65e90b7b3f">1,891</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzMtMy0xLTEtNzE0Nzc0_b6f31339-4358-4ea9-be0e-ebcdab292663">1,805</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzMtNC0xLTEtNzE0Nzc0_08b70860-19e7-4501-8b9c-7aab2e4b0736">1,991</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value changes of the hedged items in portfolio hedges of interest rate risk</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzQtMi0xLTEtNzE0Nzc0_552b5f0e-9649-4fd9-99c6-7f215531cae5">148</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzQtMy0xLTEtNzE0Nzc0_c5619de8-fd3e-4661-844a-776ecbc59ade">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzQtNC0xLTEtNzE0Nzc0_afb06c95-827a-4a88-8a57-ad4a2730bf0f">51</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives - Hedge accounting</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzYtMi0xLTEtNzE0Nzc0_7b4c5b29-85c0-4760-9e4c-648791458152">3,303</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzYtMy0xLTEtNzE0Nzc0_4aa62b64-547e-4bae-a540-c2c26b888fc5">2,626</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzYtNC0xLTEtNzE0Nzc0_fb1f7975-d02b-4424-892a-eb914dda2e49">2,318</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value changes of the hedged items in portfolio hedges of interest rate risk</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzctMi0xLTEtNzE0Nzc0_89e69e4b-1e03-45e4-aa43-ee960ad80592">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzctMy0xLTEtNzE0Nzc0_ecc6569f-a557-4dd1-b835-5a566891786c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MDgvZnJhZzo2OWQ2YjZkZWMzNjE0MmE5YWYzZDRlNTg2YjU1Yzk0Ni90YWJsZTo3N2UwNjc1MmQxZGM0ZGFjYTZjNmJhOGMyYWYxMzk4OS90YWJsZXJhbmdlOjc3ZTA2NzUyZDFkYzRkYWNhNmM2YmE4YzJhZjEzOTg5XzctNC0xLTEtNzE0Nzc0_485dea07-b6c2-4ad1-bd23-66a594f36651">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the main positions hedged by the Group and the derivatives designated to hedge those positions were:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Fair value hedging:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Fixed-interest debt securities at fair value through other comprehensive income and at amortized cost: The interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps) and forward sales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Long-term fixed-interest debt securities issued by the Bank: the interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Fixed-interest loans: The equity price risk of these instruments is hedged using interest rate derivatives (fixed-variable swaps).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Fixed-interest and/or embedded derivative deposit portfolio hedges: it covers the interest rate risk through fixed-variable swaps. The valuation of the borrowed deposits corresponding to the interest rate risk is in the heading "Fair value changes of the hedged items in portfolio hedges of interest rate risk&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Cash-flow hedges: Most of the hedged items are floating interest-rate loans and asset hedges linked to the inflation of the amortized cost portfolio and the financial assets at fair value through other comprehensive income portfolio. This risk is hedged using foreign-exchange, interest-rate swaps, inflation and FRA (Forward Rate Agreement). </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Net foreign-currency investment hedges: These hedged risks are foreign-currency investments in the Group&#8217;s foreign subsidiaries. This risk is hedged mainly with foreign-exchange options and forward currency sales and purchases. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Note 7 analyzes the Group&#8217;s main risks that are hedged using these financial instruments.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-118</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_811"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i7f0c69369d9148b79823fe2a45321b6b" continuedAt="i51f3885231dc4326a98bfeccf6748b84"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90ZXh0cmVnaW9uOjdkZTcyN2Y1ZDAwMDQ4MzI5YTdjYjU0YjAyNjYzOTRiXzc_98cbc787-db53-4fd6-ae7e-686ce9c0a4d8" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The details of the net positions by hedged risk of the fair value of the hedging derivatives recognized in the consolidated balance sheets are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:33.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives - Hedge accounting. Breakdown by type of risk and type of hedge (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2e9bde0244c4c0fa0a41e64223d3ec0_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMtMS0xLTEtNzE0Nzc0_c06fd1a8-eaec-4724-b4b2-1678182350e2">656</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2e9bde0244c4c0fa0a41e64223d3ec0_I20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzQtNC0xLTEtNzE0Nzc0_15bd087f-4a87-40c4-98f0-4e362de29817">322</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i70bcbbbf761e4a59bdb67789783739c2_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" 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name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzktMS0xLTEtNzE0Nzc0_12be6589-d399-43d7-9ec1-1c5f70a86bcc">259</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93cd13a017a7496b97d1b5282da3292a_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzktMi0xLTEtNzE0Nzc0_a5c47424-6cbe-41e2-b4bf-cdbb86311e7f">83</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i361494c8cd7b4bb58b5b345fa6a755d6_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzktMy0xLTEtNzE0Nzc0_e3517d7f-68ce-45bf-be8a-e4bfb109641d">463</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i361494c8cd7b4bb58b5b345fa6a755d6_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzktNC0xLTEtNzE0Nzc0_a3760a6a-f0bf-44e5-ae3e-a64e8df0ff9d">135</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42e202e2f9bc40d1aae5151f65f58c1e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzktNS0xLTEtNzE0Nzc0_518a848e-1dc7-4bcf-8913-0baafe950717">435</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42e202e2f9bc40d1aae5151f65f58c1e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzktNi0xLTEtNzE0Nzc0_64cde779-6df3-47cb-997b-8d10edf1e736">350</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22c7d7863fc549e4b4e6b595f2f21e59_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzEwLTEtMS0xLTcxNDc3NA_3a4232ac-c7c1-4227-bef2-9212500edb53">259</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22c7d7863fc549e4b4e6b595f2f21e59_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzEwLTItMS0xLTcxNDc3NA_33b06991-aa6e-4393-bbe0-499067b19586">83</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5971443882047d5aa3e499bba0faed3_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzEwLTMtMS0xLTcxNDc3NA_05ccf59f-4da6-418c-9994-2d2c29a52426">463</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5971443882047d5aa3e499bba0faed3_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzEwLTQtMS0xLTcxNDc3NA_44df1281-1675-4b69-8c8d-c85ebc8fee41">135</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6619647020549709579c3519bcd9957_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzEwLTUtMS0xLTcxNDc3NA_2412a771-4654-45e3-9369-3e5f2e4c93eb">435</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6619647020549709579c3519bcd9957_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzEwLTYtMS0xLTcxNDc3NA_4ddee7b5-6d22-4bb4-8fcc-1e2a19edb2ff">350</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Organized market</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0fc6668ed4bc4b59b62cb2b7d9cdd84c_I20221231" 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decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE1LTEtMS0xLTcxNDc3NA_e8704da9-f731-455c-86c4-cd43e79beabc">915</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id62002aa4a8548859f7feb8aa6c649a0_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE1LTItMS0xLTcxNDc3NA_4b433bd2-a23e-4f97-856f-123bc6378dd2">459</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ae261223298440e9e30014ae63c4507_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE1LTMtMS0xLTcxNDc3NA_ec57eda6-f922-443e-8ee9-c39b6f9a0750">1,160</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ae261223298440e9e30014ae63c4507_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE1LTQtMS0xLTcxNDc3NA_aa84d36d-eb8f-47c6-9035-e2aa2d9c2258">457</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i409d2a1fdd904a1391d9ee9c7ad9869e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE1LTUtMS0xLTcxNDc3NA_2861ddb4-3f7b-4482-ad94-31ddfa02645a">1,424</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i409d2a1fdd904a1391d9ee9c7ad9869e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE1LTYtMS0xLTcxNDc3NA_4568ef3c-f9de-4d91-899f-dbd3617f567a">874</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06a676fca6134de480be3723160754f7_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE2LTEtMS0xLTcxNDc3NA_388c6972-0c46-4c19-aad2-a5a50ec79714">470</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i06a676fca6134de480be3723160754f7_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE2LTItMS0xLTcxNDc3NA_d6b2a6d5-806a-45c4-a8d3-8366c8280f01">2,763</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2efed0b2a76d47598c718f29a7416c4b_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE2LTMtMS0xLTcxNDc3NA_1cb09f33-ac74-4e8f-83f8-1adb2b344bff">228</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2efed0b2a76d47598c718f29a7416c4b_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE2LTQtMS0xLTcxNDc3NA_7e239a34-1920-46fc-93a9-c1e8b2769381">1,786</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i452c677bb02547ffaf20e96499673e63_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE2LTUtMS0xLTcxNDc3NA_6cf02dd4-63c8-4c24-889e-96ce2421187e">154</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i452c677bb02547ffaf20e96499673e63_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE2LTYtMS0xLTcxNDc3NA_e6e4bda1-161f-4f06-a4b8-f427d25c3e18">1,055</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia839f33ed5994a7086c4163bad65b879_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE3LTEtMS0xLTcxNDc3NA_65b25295-e4cc-4808-949c-9fe9a0356338">454</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia839f33ed5994a7086c4163bad65b879_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE3LTItMS0xLTcxNDc3NA_cb230c37-24ae-4a2b-a1cc-3b2daa2d84ec">2,763</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibee18f1a099c4d1ebce436b767436e78_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE3LTMtMS0xLTcxNDc3NA_fd5071aa-3c53-4eb9-8e9e-56fc38b46db1">226</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibee18f1a099c4d1ebce436b767436e78_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE3LTQtMS0xLTcxNDc3NA_e2caa342-545a-4a20-9982-5ea1b81f5f1f">1,786</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf83027c296a479a8d8edbb97ef7fece_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE3LTUtMS0xLTcxNDc3NA_cfa43a98-7011-469c-bee6-73d382d809f0">154</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf83027c296a479a8d8edbb97ef7fece_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE3LTYtMS0xLTcxNDc3NA_e5d816fc-f6af-4cc9-be9b-f1f0b47234fc">1,041</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Organized market</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i025c368c23084b1da209b96dab7010b2_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE4LTEtMS0xLTcxNDc3NA_6581d1ee-37a8-4227-946b-d47edf96f29b">16</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i025c368c23084b1da209b96dab7010b2_I20221231" xsi:nil="true" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE4LTItMS0xLTcxNDc3NA_1240d87d-a9d1-44de-ab57-dcbf58c61498"></ix:nonFraction></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99e092e0380f4c3282cbab939d329c78_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE4LTMtMS0xLTcxNDc3NA_a2428d92-283c-4991-bd80-cbf455ac8051">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99e092e0380f4c3282cbab939d329c78_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzE4LTYtMS0xLTcxNDc3NA_5d4317dc-8418-4519-bec5-572cdd747fee">15</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86c468c9a4d040c4b60e100ef72b0bb4_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" 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contextRef="i5924f3b00fae44928dcdc7eb24311265_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIwLTEtMS0xLTcxNDc3NA_4fd09964-496b-40f6-b8e7-d57ecb3767b6">239</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5924f3b00fae44928dcdc7eb24311265_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIwLTItMS0xLTcxNDc3NA_11ec3736-a589-4083-a433-ed6fd2e7c3b1">46</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6a9a496069774846a230bd04bda61f61_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIwLTMtMS0xLTcxNDc3NA_a69a1b9d-2773-44c5-b816-67f7e80971a2">180</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6a9a496069774846a230bd04bda61f61_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIwLTQtMS0xLTcxNDc3NA_0d2b0d55-89bb-4714-9e97-0cec331c0351">79</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife83774f2bab4df193cd736d911b5c5d_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIwLTUtMS0xLTcxNDc3NA_36e2b9e9-5ba4-49c8-8674-a2df574123be">225</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife83774f2bab4df193cd736d911b5c5d_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIwLTYtMS0xLTcxNDc3NA_52043091-1a7f-4fdd-8641-73f93d7773f8">55</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ac085730cc840aaba92bbc9791ab66d_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIxLTEtMS0xLTcxNDc3NA_9f9d6429-6a7b-4d23-a5f4-6ed118799df1">239</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ac085730cc840aaba92bbc9791ab66d_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIxLTItMS0xLTcxNDc3NA_ea9a5fe2-fd21-48ac-ac9e-1ae7f887f3cd">45</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9762d4585ef943f2a38cdef654ba5f21_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIxLTMtMS0xLTcxNDc3NA_4adaafb6-2dcd-4524-ace4-f1a1dae78f99">180</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9762d4585ef943f2a38cdef654ba5f21_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIxLTQtMS0xLTcxNDc3NA_fcfdaa01-f4da-4aa9-9e17-6e010e9703d3">79</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6d7486af3fa64641ab5d9a01d49e9682_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIxLTUtMS0xLTcxNDc3NA_00c16fed-ea09-4d41-9b5a-2aef53416723">225</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6d7486af3fa64641ab5d9a01d49e9682_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIxLTYtMS0xLTcxNDc3NA_66e0345d-1a32-4fde-9bb1-9cdd8edddda8">50</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Organized market</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if77ee4ce7b444a5b8449f19bde01ba76_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzIyLTItMS0xLTcxNDc3NA_aa20affc-ee10-42f3-a49f-f6bb4df181c6">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic568c99d514844bf842ba7527c97a5ec_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" 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decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI2LTEtMS0xLTcxNDc3NA_277af486-d560-4be9-80c2-68402cfeca25">708</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7676a074d92f4d8d87ad5a1a7145147f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" 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contextRef="iefda79874b284e98baa2d28a47d2d8cf_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI3LTEtMS0xLTcxNDc3NA_aa4de779-1b91-4477-9f66-e535c7751e89">213</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefda79874b284e98baa2d28a47d2d8cf_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI3LTItMS0xLTcxNDc3NA_c1b66419-5216-4d15-9942-323eeb6623ed">26</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15cbd25bbfbc4967b87057786514df59_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI3LTUtMS0xLTcxNDc3NA_675e5fe0-a6e3-441b-be50-01db4dcb3589">166</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic2f177e68897400d8d9b7e8600a7f071_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI3LTYtMS0xLTcxNDc3NA_ba0ecb3f-fe8c-4825-9f5a-5e1b8bc59e33">139</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic85a48a3caed4cdead4245c14aeadb20_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI4LTEtMS0xLTcxNDc3NA_2a1faad3-30e2-459f-9855-1618f9ea18c5">7</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic85a48a3caed4cdead4245c14aeadb20_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI4LTItMS0xLTcxNDc3NA_324ab10e-0ec1-4619-bfc2-07caa16ef6cb">8</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ae1f8c40dc94bd08c88d315e7c3b1e7_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI4LTMtMS0xLTcxNDc3NA_7aba3248-50af-4c24-8b79-6873ebc1eeed">18</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ae1f8c40dc94bd08c88d315e7c3b1e7_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI4LTQtMS0xLTcxNDc3NA_29b7211f-0c2e-483a-8946-330c76e2dd59">95</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i644e6c10cb9542db8c7a10ca44c9634e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI4LTUtMS0xLTcxNDc3NA_86f80540-d39a-402d-9c71-365e11f51ebe">18</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i644e6c10cb9542db8c7a10ca44c9634e_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI4LTYtMS0xLTcxNDc3NA_f55bbf2d-0006-4929-a37a-a431a4cffad1">170</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ce9a60bb3c44467b3d0557540daa3cf_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI5LTEtMS0xLTcxNDc3NA_f4396982-cb11-41a0-8800-e137cceb0fd0">48</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ce9a60bb3c44467b3d0557540daa3cf_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI5LTItMS0xLTcxNDc3NA_e6142962-20d3-4f94-b6c3-53469f52c61f">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie626b617a4044e86bc37775a139bd8cc_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI5LTMtMS0xLTcxNDc3NA_c0d07aed-985c-46ce-b218-6739ba4934c1">21</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie626b617a4044e86bc37775a139bd8cc_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI5LTQtMS0xLTcxNDc3NA_d44899e8-94cc-461f-a538-67bc906dde4c">13</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c5b226be1c64f2da42bdeece9a55c3f_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI5LTUtMS0xLTcxNDc3NA_65a853bf-8467-4eaa-b451-0f37755bf2d2">3</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c5b226be1c64f2da42bdeece9a55c3f_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzI5LTYtMS0xLTcxNDc3NA_324e88a0-6c10-4818-b683-5500c2cce2f3">23</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">DERIVATIVES-HEDGE ACCOUNTING</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb360d40c9ec4870b2b7d666d0afa838_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMwLTEtMS0xLTcxNDc3NA_445bcf3f-fd52-4f8e-9b6c-6145ff7df4b1">1,891</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb360d40c9ec4870b2b7d666d0afa838_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMwLTItMS0xLTcxNDc3NA_d32c653f-630c-4b42-b54f-398160629dd3">3,303</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e657c6d83c6433ebb5d1cd0955a5160_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMwLTMtMS0xLTcxNDc3NA_0d576e18-9e74-4f60-9d7d-ed1beb8035fc">1,805</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e657c6d83c6433ebb5d1cd0955a5160_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMwLTQtMS0xLTcxNDc3NA_8dea8b5c-a712-43e0-80b7-9d40ac30a2aa">2,626</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6c5c3f388ae42b69cb6540e118d8838_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMwLTUtMS0xLTcxNDc3NA_35fae10c-50be-4a6b-a930-0ad40888f3df">1,991</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6c5c3f388ae42b69cb6540e118d8838_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMwLTYtMS0xLTcxNDc3NA_cc79497a-eab6-403d-b71c-c429edf3e8d1">2,318</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">of which: <br/>OTC - credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0af9d75822c24e7a85ac34a0e5b4e92f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMxLTEtMS0xLTcxNDc3NA_5915a380-cb05-4038-b087-9f929aa46c4e">1,577</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0af9d75822c24e7a85ac34a0e5b4e92f_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMxLTItMS0xLTcxNDc3NA_55e4a407-9d47-4835-9fe0-bb584c76bf70">2,911</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i025da353d17447ca8225e66b28942be6_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMxLTMtMS0xLTcxNDc3NA_d11622a8-f531-4814-830e-32162393323b">1,454</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i025da353d17447ca8225e66b28942be6_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMxLTQtMS0xLTcxNDc3NA_9a5073ed-0dda-47ba-a5d3-d77e48f0f749">2,248</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia19685dcab254b80b7e170f65820e88b_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMxLTUtMS0xLTcxNDc3NA_b0e1e315-eca5-4d71-9cd3-26139ba56bd8">1,718</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia19685dcab254b80b7e170f65820e88b_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMxLTYtMS0xLTcxNDc3NA_3ff38851-36ef-450a-9007-66e0bc01a957">1,965</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">of which: <br/>OTC - other financial corporations</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie89085619a1f4fceb80a7b85413777fd_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMyLTEtMS0xLTcxNDc3NA_93564f1d-2470-45d7-9fc4-fc97d6bf3b06">297</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie89085619a1f4fceb80a7b85413777fd_I20221231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMyLTItMS0xLTcxNDc3NA_0a03f883-e46c-4c29-aec1-e2c57ab59775">391</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib74da7efaf0247788eee7a1c74a7073b_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMyLTMtMS0xLTcxNDc3NA_d9ddbabf-b3fd-43dd-ba25-237b13abf166">349</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib74da7efaf0247788eee7a1c74a7073b_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMyLTQtMS0xLTcxNDc3NA_e3bb0e36-51a3-4854-a16e-baaeba68827f">378</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8806400312746b98dd761f409dc9f36_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMyLTUtMS0xLTcxNDc3NA_03081207-36f7-4fae-81d1-2a1dff9dab64">273</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8806400312746b98dd761f409dc9f36_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTEvZnJhZzo3ZGU3MjdmNWQwMDA0ODMyOWE3Y2I1NGIwMjY2Mzk0Yi90YWJsZTo1YTQ2MmM1ZmM3YWE0ZTU3OTViYzk5ZDljZmMxZDU1NC90YWJsZXJhbmdlOjVhNDYyYzVmYzdhYTRlNTc5NWJjOTlkOWNmYzFkNTU0XzMyLTYtMS0xLTcxNDc3NA_f8caa688-20f0-4c6f-9afe-40454abf220b">333</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-119</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_814"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i51f3885231dc4326a98bfeccf6748b84" continuedAt="ic4d941c37d4f4f198ca53c3160f62905"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:HedgedItemsInFairValueHedgesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90ZXh0cmVnaW9uOmQxYTE0OWQ0YTg0NjRlYzdhMDU4YjI2MzhiN2QzY2NiXzU0_80d644e0-b29f-4d23-a08c-ce7fae4d58d8" continuedAt="ia99986164ac942cd9b7e38cf39dd1754" escape="true">Below there is a breakdown of the items covered by fair value hedges:</ix:nonNumeric></span></div><div><ix:continuation id="ia99986164ac942cd9b7e38cf39dd1754" continuedAt="i9af514252f0a4691ab94079d1eb56d27"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:26.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.998%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Hedged items in fair value hedges (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Hedge adjustments included in the carrying amount of assets/liabilities</span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Remaining adjustments for discontinued micro hedges including hedges of net positions </span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Hedged items in portfolio hedge of interest rate risk</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets measured at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtMS0xLTEtNzE0Nzc0_6aba5492-c47b-47be-8e74-e53bf283604f">13,994</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtMi0xLTEtNzE0Nzc0_7e7df0f7-f55a-4afc-a27a-94e4529f984f">20,333</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i33efb74812414e1a8fa8af15a34fa2a8_I20221231" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtMy0xLTEtNzE0Nzc0_fce56e35-e521-4745-89e9-02d01b13bae6">1,024</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i530c10abda084d299a8b7863e3eda0b4_I20211231" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtNC0xLTEtNzE0Nzc0_48604606-2972-429a-9098-67b8284dff30">52</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i052497cd604d40b8a1d960c95caebaff_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtNS0xLTEtNzE0Nzc0_12395c78-c54b-4e33-baa2-f5ca2737178f">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58583ed7e6914945bdb566020c137a76_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtNi0xLTEtNzE0Nzc0_ab551a52-c803-4508-80e0-68e0fc24adfc">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77596295483d47619038205d110c038c_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtNy0xLTEtNzE0Nzc0_11528e79-e886-4b7b-9853-4db7e37b8633">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97081b551fdc46228c7c2781e38c3b66_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzQtOC0xLTEtNzE0Nzc0_9b069f6c-bcfe-42e4-bae5-9d838624f45d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:InterestRateMeasureAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzUtMS0xLTEtNzE0Nzc0_c8aea6e5-c06d-4842-b1ed-66918dbc481b">13,602</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:InterestRateMeasureAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzUtMi0xLTEtNzE0Nzc0_33fa6f79-524c-4f70-afb1-1bfa4f07d9cd">20,285</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:ForeignExchangeRateAndGoldMeasureAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzYtMS0xLTEtMTM2NDAxOQ_0941be44-1e22-4e1a-bd1a-7889342077e2">327</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:ForeignExchangeRateAndGoldMeasureAtFairValue" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzYtMi0xLTEtMTM2NDAxOQ_9e06c7b2-ee97-4535-86a6-860f82d4ab45">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:OtherMeasureAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzYtMS0xLTEtNzE0Nzc0_4c5ab492-f8e3-47a2-a786-077eb09b481d">66</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:OtherMeasureAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzYtMi0xLTEtNzE0Nzc0_04940189-b3f9-4a9a-ad46-709eeb95e5b2">49</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets measured at amortized cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctMS0xLTEtNzE0Nzc0_f66bcfca-70b9-418e-8ffa-35e26b287ce8">4,838</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctMi0xLTEtNzE0Nzc0_8b59c9ce-ca18-4f49-ba6d-900470be0615">8,273</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i33efb74812414e1a8fa8af15a34fa2a8_I20221231" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctMy0xLTEtNzE0Nzc0_7841e5f9-e188-4875-b030-412c7d54d5c1">485</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i530c10abda084d299a8b7863e3eda0b4_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctNC0xLTEtNzE0Nzc0_f24fe37f-e1ad-4cae-bf64-107eeca6681b">168</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i052497cd604d40b8a1d960c95caebaff_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctNS0xLTEtNzE0Nzc0_df40d1ae-bec1-40cf-b836-42b30bb090bb">13</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58583ed7e6914945bdb566020c137a76_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctNi0xLTEtNzE0Nzc0_dbfc4266-8dd4-4497-9055-334d13ce4859">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77596295483d47619038205d110c038c_I20221231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctNy0xLTEtNzE0Nzc0_5f396225-fb4a-4d2e-8ea5-27dfc1b9b1e6">1,179</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97081b551fdc46228c7c2781e38c3b66_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzctOC0xLTEtNzE0Nzc0_a31d56e6-25fb-4838-ac02-0e76bf1938bd">1,997</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:InterestRateMeasuredAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzgtMS0xLTEtNzE0Nzc0_2a9cf3c9-7887-4f81-8d6c-e9680546fc2f">4,835</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:InterestRateMeasuredAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzgtMi0xLTEtNzE0Nzc0_680ffec7-81d7-4327-8773-2c53ec890e89">8,270</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:ForeignExchangeAndGoldAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzktMS0xLTEtNzE0Nzc0_69bd94dd-5549-43fb-9950-750d60a47afd">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:ForeignExchangeAndGoldAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzktMi0xLTEtNzE0Nzc0_a5e3826c-dacc-46e3-aacf-2ebcddc53064">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities measured at amortized costs</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTEtMS0xLTcxNDc3NA_b933d455-d466-4aed-82d1-c011882d64b6">34,898</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTItMS0xLTcxNDc3NA_7e4e8df7-6065-4cd4-a85b-7f21bb66ef42">24,567</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33efb74812414e1a8fa8af15a34fa2a8_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTMtMS0xLTcxNDc3NA_adc54d8f-6731-4dc3-a7c3-a54aacd0ea13">1,299</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i530c10abda084d299a8b7863e3eda0b4_I20211231" decimals="-6" sign="-" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTQtMS0xLTcxNDc3NA_d81282ad-a22d-454d-b536-326970be005b">690</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i052497cd604d40b8a1d960c95caebaff_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTUtMS0xLTcxNDc3NA_91670c1d-de6c-4a13-bbfa-5ae1048a58fd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i58583ed7e6914945bdb566020c137a76_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTYtMS0xLTcxNDc3NA_1628e763-97ea-4223-b413-f84a998a7b44">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77596295483d47619038205d110c038c_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTctMS0xLTcxNDc3NA_966526ef-c452-4bb6-a29c-7d5ad00f08a6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97081b551fdc46228c7c2781e38c3b66_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzExLTgtMS0xLTcxNDc3NA_1c0c74e9-1aae-4431-a548-5cf647cd31b0">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:InterestRateHedgeInstrument" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzEyLTEtMS0xLTcxNDc3NA_c4310849-7cb9-403e-9144-ec8bc48d44c5">34,894</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:InterestRateHedgeInstrument" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzEyLTItMS0xLTcxNDc3NA_b8d147f1-0ffb-4f3e-b190-ad50e250c4b9">24,563</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcc2087d86604fd39b227f1d0b44eacd_I20221231" decimals="-6" name="bbva:ForeignExchangeAndGold" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzEzLTEtMS0xLTcxNDc3NA_996c643d-b0fc-48fd-81f2-2b3aaa00ae8a">5</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice3f857bdc7f44369ce3dc6eba806e8b_I20211231" decimals="-6" name="bbva:ForeignExchangeAndGold" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZTowZDIwNTBiODRhYWM0NDRhOWFlNWRmZGNjMTkxZjhjOC90YWJsZXJhbmdlOjBkMjA1MGI4NGFhYzQ0NGE5YWU1ZGZkY2MxOTFmOGM4XzEzLTItMS0xLTcxNDc3NA_59149cfa-9355-4e74-a3ca-f11ab6076d49">5</ix:nonFraction></span></td><td colspan="3" style="background-color:#999999;border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td><td colspan="3" style="background-color:#999999;padding:0 1pt"></td></tr></table></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:continuation id="i9af514252f0a4691ab94079d1eb56d27">(1) The balance of discontinued hedges is not significant.</ix:continuation> </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90ZXh0cmVnaW9uOmQxYTE0OWQ0YTg0NjRlYzdhMDU4YjI2MzhiN2QzY2NiXzU1_79f36a17-f87e-4dd8-9929-8b22968c9ff8" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following is the breakdown, by their notional maturities, of the hedging instruments as of December 31, 2022:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:46.511%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.381%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Calendar of the notional maturities of the hedging instruments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Up to 3 months</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">From 3 months to 1 year</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">From 1 to 5 years</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 5 years</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">FAIR VALUE HEDGES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i676eb252cf094daab599fa15f1c49e22_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzMtMi0xLTEtNzE0Nzc0_d8b5e4c7-fec1-4d32-ae4d-fa5394531bf7">2,697</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b75bf0a6ca3406281fa9185d0a432a3_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzItMi0xLTEtMTE4NzM1OQ_7e90790c-a8d7-4a07-8ace-ee55e863248b">5,629</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab61d66bd0c541fcb9dbbd75606ec44d_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzMtNC0xLTEtNzE0Nzc0_46382c02-9295-4c4d-9ac0-0b49ab00bb0c">31,055</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if25a9e3b9aea455eb4c46ca4c60d55ce_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzItNC0xLTEtMTE4NzM1OQ_1c829c07-eeab-46b1-8416-b50ef980929f">12,944</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f9ffedd3147457f84f7a881d45477c1_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzMtNi0xLTEtNzE0Nzc0_de4d03cc-4a8e-4621-8c72-43789220b6ec">52,325</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Interest rate</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib71a0257c8504192bc076b4828399e1c_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzQtMi0xLTEtNzE0Nzc0_eaae61d9-2530-4a72-9b20-245e906a62b7">2,697</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a469b4de29949278b46b75665202dc5_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzMtMi0xLTEtMTE4NzM1OQ_339ef0ea-fd24-4fd5-a24d-2633fa0680b0">5,524</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1745b00d5ba4f6f88aaa095fa38a25e_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzQtNC0xLTEtNzE0Nzc0_698ef7dd-b310-4384-8154-672ba3e08ad2">29,031</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13e41c3d84634158869ffbcaf214efb1_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzMtNC0xLTEtMTE4NzM1OQ_3f0553ca-8e8b-4ba0-8248-9b417319ceb9">12,944</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i502409b6c0044cd6a129092bff2cd9ed_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzQtNi0xLTEtNzE0Nzc0_01d636fc-4f00-4433-8a8c-d3bf42658a91">50,196</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">CASH FLOW HEDGES</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i843e784a9515418eb4fc4a2556b3877d_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzUtMi0xLTEtNzE0Nzc0_c8272b9a-b457-42c1-879e-ba158baee5a4">4,495</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f7ea5884fe34c00a089d52c994c7060_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzQtMi0xLTEtMTE4NzM1OQ_ff019ab7-a9c4-4c44-b1c7-cf722df8b045">17,900</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i80d47355fdc04d47b0ee2c967b4b3e11_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzUtNC0xLTEtNzE0Nzc0_338c4b40-647a-484a-baad-4e25b1ae81d5">27,732</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25e141f0c0469e8bfbdef9370a9150_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzQtNC0xLTEtMTE4NzM1OQ_bd609bde-99d4-4986-9bd4-a0bdcbd06670">3,051</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i509ead215fa9493484c2ef2b86edf479_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzUtNi0xLTEtNzE0Nzc0_8c1fec65-fcf7-4b40-ae9c-47e51d1bfad9">53,178</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Interest rate</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i294b674e822e4a3082164e09c123ef11_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzYtMi0xLTEtNzE0Nzc0_d7f2237c-699f-496a-b7ab-6aa5f6dc1a9c">4,430</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0ac6f66ffcf4074b039e10419e5cd77_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzUtMi0xLTEtMTE4NzM1OQ_30b04cea-7137-4ceb-bdd7-4bf011a27695">17,900</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4834b62de17446dc827feffe8437fa4c_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzYtNC0xLTEtNzE0Nzc0_ccfbd090-97af-4eea-925c-d095e9028739">25,777</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c35e9962c264b1faca42aba66080a80_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzUtNC0xLTEtMTE4NzM1OQ_465b0925-68f3-4bb6-a3c5-1823241d2e8d">2,932</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8f7c0f8081c44b4944e05ca35e8449d_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzYtNi0xLTEtNzE0Nzc0_2136b81c-422c-43dc-82bb-988e89e1ea9b">51,040</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id992a43eca59474685baeb00cce8d1e5_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzctMi0xLTEtNzE0Nzc0_cc54bc30-74a7-4e60-9e36-5b7b017141c9">5,292</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib61112bffff74f0bbd940ae982b49fe2_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzYtMi0xLTEtMTE4NzM1OQ_74098842-1a9f-466d-a265-639ce10db625">4,738</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3f70184b31c4f0fbe29d2a51047b8d2_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzctNC0xLTEtNzE0Nzc0_c581f00b-3599-4afa-9c35-f203c6e19259">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6901ab90fa674fb0b7bd8b527d7f13d8_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzYtNC0xLTEtMTE4NzM1OQ_777997b9-4397-4e5b-b21c-b249435c4eaf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i706eb34dd1064b948ba244e1783dd0a7_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzctNi0xLTEtNzE0Nzc0_ca0cbbe1-6f7b-483d-a67f-0667d17e7560">10,031</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e8a1fa4aee74a3b9dbbf4c1a93fe9bb_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzgtMi0xLTEtNzE0Nzc0_8054b5c9-3d3b-4811-b966-e792c483ca6a">87</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i242702586e7a4a59a21a2cbb8cf4902e_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzctMi0xLTEtMTE4NzM1OQ_791fd429-fa0e-4642-833c-1346057272f2">27</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i669cd4a615204d539f2cad7d74fbfb21_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzgtNC0xLTEtNzE0Nzc0_20824bac-e1e5-4aac-a0b2-1117135c60ee">1,609</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8a9edb81889a4b84838cc8a085de9bed_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzctNC0xLTEtMTE4NzM1OQ_a74a661b-5d81-4fb0-a713-f56aa5ac58a6">1,067</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6047800912fb4c709e38f80b04248880_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzgtNi0xLTEtNzE0Nzc0_0158e67f-1243-4acd-83ce-3a8f91580485">2,790</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28fc70a83f6d460d88dd2ee0c44795ca_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzktMi0xLTEtNzE0Nzc0_70a292f4-4500-4368-b9f0-8f686fd8e538">340</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic07f0d21e009475dbae5f10522c1e590_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzgtMi0xLTEtMTE4NzM1OQ_ac66f58c-8e1e-4437-be3f-202c4aec61af">140</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b058a37039047488266b6f7522c483e_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzktNC0xLTEtNzE0Nzc0_bc7d02fe-f746-4fc3-964d-7bcc39cbc7bb">573</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82cfb31ae4aa41df88730dceecf04eed_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzgtNC0xLTEtMTE4NzM1OQ_1f96b515-c7bf-4da5-a477-80c77ebf0b8f">65</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55ba228c288e4ee7b642e501d689749a_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzktNi0xLTEtNzE0Nzc0_04904f3f-ffac-4348-8153-e50b29369776">1,118</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">DERIVATIVES-HEDGE ACCOUNTING</span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7a7f6b3a77844f28272063fbf4b12e7_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzEwLTItMS0xLTcxNDc3NA_36e803b2-a745-495a-85d3-f201655a4e0b">12,912</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b01aea72ea54d12a4754d55f8fa774d_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzktMi0xLTEtMTE4NzM1OQ_712c25a6-4c81-44bc-8b4c-4914e95ae224">28,434</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f0f11b4706b4b1394e3735b88a9c826_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzEwLTQtMS0xLTcxNDc3NA_7377ccad-efca-4c16-9159-a745e968e0a5">60,969</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idad3f947219540f7a4605fd8f6d94a6c_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzktNC0xLTEtMTE4NzM1OQ_e9957341-9569-4bd8-95c6-e3be50c2e7aa">17,128</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i472dead2b8464ee9ba668d4be6d0d6c8_I20221231" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyZTlmNGIyNDM1NDQ0ZDhhOGEwMTk2NDA0NjFmODllMC90YWJsZXJhbmdlOjJlOWY0YjI0MzU0NDRkOGE4YTAxOTY0MDQ2MWY4OWUwXzEwLTYtMS0xLTcxNDc3NA_b7194daa-8b2d-4c31-a039-b9a1a09974d3">119,442</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2022, 2021 and 2020, there was no reclassification in the consolidated income statements of any amount corresponding to cash flow hedges that was previously recognized in equity (see Note 41). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amount for derivatives designated as accounting hedges that did not pass the effectiveness test in the years ended December 31, 2022, 2021 and 2020 were not material. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">IBOR Reform</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The transition from IBOR indices to the new risk free rates (RFR) (see Note 7.3.4) may cause uncertainty about the future of some references or its impact on the contracts held by an entity, which could cause uncertainty about the term or the amounts of the cash flows of the hedged instrument or the hedging instrument. Due to such uncertainties, in the period before the benchmark rate reform actually takes place, some entities may be forced to discontinue hedge accounting, or not be able to designate new hedging relationships. To avoid this, the IASB made a series of transitory amendments to IFRS 9, IAS 39 and IFRS 7 providing temporary exceptions to the application of certain specific hedge accounting requirements that are applicable to all hedging relationships that are affected by the uncertainty derived from the IBOR Reform. These exceptions should end once the uncertainty is resolved (rates to be modified according to the new RFRs) or the hedge ceases to exist. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-120</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic4d941c37d4f4f198ca53c3160f62905"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:HedgesAffectedByTheIBORReformTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90ZXh0cmVnaW9uOmQxYTE0OWQ0YTg0NjRlYzdhMDU4YjI2MzhiN2QzY2NiXzU2_53d655f1-8f82-4359-b65b-3fe7054e2cfe" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The nominal amount of the hedging instruments for hedging relationships directly affected by the IBOR reform as of December 31, 2022 is the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:42.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.968%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Hedges affected by the IBOR reform (Millions of Euros) </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIBOR USD </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIBOR GBP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i650a3824ebd74309b2d6c674af109213_I20221231" decimals="-6" name="bbva:LIBORUSD" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzQtMi0xLTEtNzE0Nzc0_931edc3b-2479-4dee-a4ee-7de50ee7e4c2">1,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i650a3824ebd74309b2d6c674af109213_I20221231" decimals="-6" name="bbva:LIBORGBP" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzQtNC0xLTEtNzE0Nzc0_c3962262-7501-4b4f-a02b-eff8922d2f1d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i650a3824ebd74309b2d6c674af109213_I20221231" decimals="-6" name="bbva:OtherIndices" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzQtNS0xLTEtNzE0Nzc0_63e3943c-f3df-42fe-a4b9-bc4538179e36">316</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i650a3824ebd74309b2d6c674af109213_I20221231" decimals="-6" name="bbva:TotalIndicesEffect" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzQtNi0xLTEtNzE0Nzc0_7f531846-bd57-4086-9992-3d9074f0a83c">1,377</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value hedges</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f30ea72d570463c834ecefa0ddc0440_I20221231" decimals="-6" name="bbva:LIBORUSD" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzUtMi0xLTEtNzE0Nzc0_ddd0f5e9-4776-4b69-9136-6f418f6b2d6a">7,276</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f30ea72d570463c834ecefa0ddc0440_I20221231" decimals="-6" name="bbva:LIBORGBP" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzUtNC0xLTEtNzE0Nzc0_33fc7517-b63a-471a-911c-d2eeb660f579">369</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f30ea72d570463c834ecefa0ddc0440_I20221231" decimals="-6" name="bbva:OtherIndices" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzUtNS0xLTEtNzE0Nzc0_dfca7a3b-8b84-417f-b5ce-abc4c4715302">657</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f30ea72d570463c834ecefa0ddc0440_I20221231" decimals="-6" name="bbva:TotalIndicesEffect" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTQvZnJhZzpkMWExNDlkNGE4NDY0ZWM3YTA1OGIyNjM4YjdkM2NjYi90YWJsZToyOGNhMDM3MTI5YmQ0NWIwYTc0NGRjZjdjODZiNjk5MS90YWJsZXJhbmdlOjI4Y2EwMzcxMjliZDQ1YjBhNzQ0ZGNmN2M4NmI2OTkxXzUtNi0xLTEtNzE0Nzc0_4a5b9a18-2e74-448c-96ba-0eaa4c16ca82">8,302</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_817"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">16.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MTcvZnJhZzo0ZDMxYWQ1MzBlNGQ0OGIwOTk1NTcxN2U4ZGNjZDlhMS90ZXh0cmVnaW9uOjRkMzFhZDUzMGU0ZDQ4YjA5OTU1NzE3ZThkY2NkOWExXzU_3ee4d9ed-5cd5-47e2-a4e8-2ed6ec4ddfb7" continuedAt="ia81552649c5c46fb94e5b06dd5bd8834" escape="true">Investments in joint ventures and associates </ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_820"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">16.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ia81552649c5c46fb94e5b06dd5bd8834" continuedAt="iaebb796ad4924b6a9986d53eb5d1933c">Joint ventures and associates</ix:continuation></span></div><ix:continuation id="iaebb796ad4924b6a9986d53eb5d1933c" continuedAt="iea9b33ebb65a4a5287651dd47a29c462"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90ZXh0cmVnaW9uOjU2YjM2NTBhMjMyYjQzZDY4NzAyZWI0OWU4NDAzNjA2XzQ2_7e1fdf2f-23c9-452d-82c8-38f49e7fe020" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance of &#8220;Investments in joint ventures and associates&#8221; in the consolidated balance sheets is as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:59.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Joint ventures and associates. Breakdown by entities (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Joint ventures</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Altura Markets, S.V., S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7d440ee2331b4f088ec4034944b87e66_I20221231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzMtMS0xLTEtNzE0Nzc0_4a315729-fa3a-414e-ac37-d168848321d6">42</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4093af13971642de9ef828125996e045_I20211231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzMtMi0xLTEtNzE0Nzc0_2a72b725-33f6-47d9-a044-29fa042d2942">76</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8de79d3582840b58aff815de9a781dd_I20201231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzMtMy0xLTEtNzE0Nzc0_f74722a1-6f3c-4793-93cb-3d9b65e5dc0c">77</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RCI Colombia</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0c505f3fea74decaf53496c1908c743_I20221231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzQtMS0xLTEtNzE0Nzc0_6c5b6055-532d-4ac6-aa0c-15b62de01d97">36</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39c5a4e222314181928f95e49bf54aae_I20211231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzQtMi0xLTEtNzE0Nzc0_8288afc9-3925-4a4d-96fd-d17f78c2f48b">40</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec3ceff864d64141b18bb81d0fc20381_I20201231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzQtMy0xLTEtNzE0Nzc0_6981a921-8c56-483f-aef4-7476ea4115e7">36</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Desarrollo Metropolitanos del Sur, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1e031a6eea7f4772912906e23def5b9d_I20221231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzUtMS0xLTEtNzE0Nzc0_bb2919bd-d920-46fc-ae0b-31d5062a1288">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48df22a5debc4133933dece77d2635a3_I20211231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzUtMi0xLTEtNzE0Nzc0_8dfe796e-4529-4875-905d-f537f322086e">18</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf30a5a83bf74277a21d2fa83a63c2fa_I20201231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzUtMy0xLTEtNzE0Nzc0_973dbf63-7758-4fe3-aa0b-fdb13ad4e42d">17</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a7e4f516d0c4f62bec01b621ac2c7ca_I20221231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzYtMS0xLTEtNzE0Nzc0_9b415e35-471f-4975-8aa8-275a7453b821">22</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i128e5b7731c347f18ab38a0b918b9252_I20211231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzYtMi0xLTEtNzE0Nzc0_b9e93a7b-c6c0-42aa-804d-00878dcf3052">18</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99306d15f02d440ca4395571eaa9a002_I20201231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzYtMy0xLTEtNzE0Nzc0_37069bfc-1ba1-4213-8ce2-c5705d0ca2cd">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzctMS0xLTEtNzE0Nzc0_18e46fae-cde3-448d-bd8d-6cef9de7c454">100</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzctMi0xLTEtNzE0Nzc0_3136a5b2-d924-407a-afd6-cc5965f016fc">152</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Divarian Propiedad, S.A.U.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i36809956d35c45aab12d990306b213bf_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzktMS0xLTEtNzE0Nzc0_20122fb1-e2f9-4f4a-9fb7-0d1d419dd13f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6dda77368974b33b089f0444e0e7e4c_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzktMy0xLTEtNzE0Nzc0_976a11ed-0859-4f9b-b4d7-4be64d1eda08">567</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Metrovacesa, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid 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contextRef="i2073dabcd2ca4c1cb5cb3a01ba26d80e_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzEwLTItMS0xLTcxNDc3NA_47bf0dc5-389b-4d0e-8679-60f9951251ee">259</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08d633bb317c4e799bf7dddf7fb5afe3_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzEwLTMtMS0xLTcxNDc3NA_a03898d7-9d97-4503-a8f8-a37fc99c4fa7">285</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Allianz Seguros y Reaseguros, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97ff93a0f8cf4d51818732904e4889ba_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzExLTEtMS0xLTcxNDc3NA_e30dc655-5bf1-4dd3-adc8-ae41dbe56d6a">248</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieae6145a2ccb4c96b6080147da4509c3_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzEyLTMtMS0xLTcxNDc3NA_1555b7c0-b019-43b1-9390-684120ccfb76">64</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Solaris SE</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe180ee3bfe2404cb983568b5ff7a00b_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzEzLTEtMS0xLTcxNDc3NA_e84caa1e-d0f2-463c-aaf0-8afbbf619a44">66</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22293e4b07f646f480e86ff6bb65851f_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzEzLTItMS0xLTcxNDc3NA_2787b10c-5401-4437-9ceb-b928692fe8ba">61</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0668a6aa76b41d4b067cdba1ceaf9bc_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzEzLTMtMS0xLTcxNDc3NA_385b32b2-8549-4a26-9b63-f3d7a4f623be">39</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cofides</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifb71488e9fdd4cdcb189b5653f0f72a1_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE0LTEtMS0xLTcxNDc3NA_8c4273ad-11ab-4cb3-b8fc-73e739f411b7">31</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i367cad72e0ae40aea98afeba27646a56_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE0LTItMS0xLTcxNDc3NA_571f99fd-f980-4b5b-988d-d717db45453d">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1940bca7fd2541ef9ad589a3b0fba5a3_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE0LTMtMS0xLTcxNDc3NA_5732c909-7dde-4e55-a189-aa7313fc0173">25</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redsys servicios de procesamiento, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i678f95c423854c29b6c80058d26154a9_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE1LTEtMS0xLTcxNDc3NA_ce2e83b8-a5ad-4254-8020-5da7a82ba125">20</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8151882b19c4d648fe8a296ab40f397_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE1LTItMS0xLTcxNDc3NA_503a46bf-9c0d-46dc-a85f-e52d982768e5">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib896a79aa3104d669b43a51482b37930_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE1LTMtMS0xLTcxNDc3NA_204108c5-9c6b-44f9-abee-5b7eb4fbbc03">14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Servicios Electr&#243;nicos Globales S.A. de CV</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ef2506809444df8bf69267ba9e99e71_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE2LTEtMS0xLTcxNDc3NA_4ff2a78f-0029-44e2-8448-a2f7d22ac3ca">23</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f69a79071694624a54a01479b2c9947_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE2LTItMS0xLTcxNDc3NA_86f9ae6c-43a6-47d5-870e-b32aedab9513">15</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic108229582a2440791d26c9de40f0895_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE2LTMtMS0xLTcxNDc3NA_2331e879-440c-49a2-802f-987f61a78aa2">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21752eeb9fc145408770304cbff293f6_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE3LTEtMS0xLTcxNDc3NA_4212ed94-8686-4d17-bb7c-0fc127915149">37</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice90785f4155407cb6f29aba71061cb1_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE3LTItMS0xLTcxNDc3NA_b6f4c795-6099-4b71-8fca-867c2920d982">35</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d6c09de1e0746fc95049039b61632bd_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE3LTMtMS0xLTcxNDc3NA_661f9d1b-cb59-4c9b-9e6a-2be12a5cac24">33</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE4LTEtMS0xLTcxNDc3NA_29eb8479-4d35-43b1-b823-ed56a3b7e151">816</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE4LTItMS0xLTcxNDc3NA_c31bea8c-7dcc-46a9-b290-07904cb2a29d">749</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE4LTMtMS0xLTcxNDc3NA_15983e3d-60e6-4a39-8823-4c5fec33cff7">1,288</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE5LTEtMS0xLTcxNDc3NA_0b019251-4f04-4af7-9402-d1d50d4b605a">916</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE5LTItMS0xLTcxNDc3NA_ebb68942-f856-4b91-9aa9-385d50b222f6">900</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo3OGFiY2RkNTU5YzI0NjhlYTI0ZTU0ZjI2OTA2ZWEyNi90YWJsZXJhbmdlOjc4YWJjZGQ1NTljMjQ2OGVhMjRlNTRmMjY5MDZlYTI2XzE5LTMtMS0xLTcxNDc3NA_3f43f628-314e-44a7-8ef9-1c66ab85b3f2">1,437</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Details of the joint ventures and associates as of December 31, 2022 are shown in Appendix II. </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:JointVenturesAndAssociatesChangesInTheYearTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90ZXh0cmVnaW9uOjU2YjM2NTBhMjMyYjQzZDY4NzAyZWI0OWU4NDAzNjA2XzQ3_bc6809c6-1b20-4ae9-8ac0-ce254622198f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following is a summary of the changes in the years ended December 31, 2022, 2021 and 2020 under this heading in the consolidated balance sheets:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:54.678%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.537%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Joint ventures and associates. Changes in the year (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzItMi0xLTEtNzE0Nzc0_763c7049-6bf2-4b93-80b5-bbaae2adb5e8">900</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzItMy0xLTEtNzE0Nzc0_7d67aa77-1244-4c39-83b6-95e77e43a688">1,437</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzItNC0xLTEtNzE0Nzc0_ab3f9f9c-0803-4cbf-b944-dacaadb52647">1,488</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisitions and capital increases</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AcquisitionsAndCapitalIncreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzMtMi0xLTEtNzE0Nzc0_c2fa82a0-44e5-42ec-b694-75932150df11">87</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AcquisitionsAndCapitalIncreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzMtMy0xLTEtNzE0Nzc0_e423e144-92eb-4ed5-8ced-2f6bbfa54c4e">22</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AcquisitionsAndCapitalIncreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzMtNC0xLTEtNzE0Nzc0_820b0545-29db-4a79-89c4-c99e0d557b1a">257</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and capital reductions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DisposalsAndCapitalReductions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzQtMi0xLTEtNzE0Nzc0_9518b206-2873-4b75-9965-c450feaf35bd">88</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DisposalsAndCapitalReductions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzQtMy0xLTEtNzE0Nzc0_79a47095-b1ef-4e77-ac8c-50f6f5bf9aa3">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DisposalsAndCapitalReductions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzQtNC0xLTEtNzE0Nzc0_14a869a1-eff1-4608-886a-94dbd3a12bbe">47</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers and changes of consolidation method</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TransfersAndChangesOfConsolidationMethod" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzUtMi0xLTEtNzE0Nzc0_a7661ee0-ff8e-4904-b8b8-3499d1b66540">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersAndChangesOfConsolidationMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzUtMy0xLTEtNzE0Nzc0_272957c6-b27e-484d-a3ff-4f09e100f7aa">559</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersAndChangesOfConsolidationMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzUtNC0xLTEtNzE0Nzc0_efd683f5-a183-42ad-baf2-34666f2085d4">7</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of profit and loss</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ShareOfProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzYtMi0xLTEtNzE0Nzc0_34dc6bef-f0c4-477d-aeb8-15f505d4f402">20</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ShareOfProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzYtMy0xLTEtNzE0Nzc0_49fd5a15-9b52-4371-a48e-cfcc12f3a0d5">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ShareOfProfitAndLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzYtNC0xLTEtNzE0Nzc0_530e3a1b-22ba-4bb5-9193-da6b7091449f">39</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ExchangeDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzctMi0xLTEtNzE0Nzc0_c3b4b1c6-d3ca-4e36-ba41-9666f643a9d9">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ExchangeDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzctMy0xLTEtNzE0Nzc0_ef93f8e3-cc6d-4179-a51b-b74fd9daf0f7">9</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ExchangeDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzctNC0xLTEtNzE0Nzc0_e2d65d96-8a02-408f-9fd8-03aa3100229a">27</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends, valuation adjustments and others</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:DividendsValuationAdjustmentsAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzgtMi0xLTEtNzE0Nzc0_271a2f2c-9bb0-47e5-acd9-31922d5726c4">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:DividendsValuationAdjustmentsAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzgtMy0xLTEtNzE0Nzc0_e1c5ff73-c6b8-4be9-987a-626f65b191fa">9</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:DividendsValuationAdjustmentsAndOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzgtNC0xLTEtNzE0Nzc0_40acb8ca-0e6f-47df-b82c-294567d40ddc">188</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzktMi0xLTEtNzE0Nzc0_2cb494a2-d8be-4c40-bd71-95d3bf01c180">916</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzktMy0xLTEtNzE0Nzc0_37c04101-f134-45e0-937a-98e0fadff01d">900</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjAvZnJhZzo1NmIzNjUwYTIzMmI0M2Q2ODcwMmViNDllODQwMzYwNi90YWJsZTo1MzdmOThmZmEwZjk0NmYwYmNlNThhMzk3ZTVkMTRmZS90YWJsZXJhbmdlOjUzN2Y5OGZmYTBmOTQ2ZjBiY2U1OGEzOTdlNWQxNGZlXzktNC0xLTEtNzE0Nzc0_239f4e33-c5da-4f42-aced-aab5eebc4f51">1,437</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the year 2022, the most significant changes under the heading "Investment in joint ventures and associates" correspond to capital increases in Atom Holdco Limited. During the year 2022 Atom Holdco Limited, the owner of 100% of the shares of Atom Bank PLC, was created. BBVA became a shareholder of Atom Holdco Limited under the same terms and conditions as those previously applicable under the agreement with Atom Bank PLC. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the year 2021, the most significant changes in the heading &#8220;Investment in joint ventures and associates&#8221; correspond to the reclassification of the 20% stake in Divarian Property, S.A.U. under the heading "Non-current assets and disposal groups classified as held for sale" in July 2021 and their subsequent sale in October 2021 (see Note 21).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-121</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iea9b33ebb65a4a5287651dd47a29c462" continuedAt="i921e4dd7207d40a09b456681955c3882"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the year 2020, the most significant changes in the heading &#8220;Investments in joint ventures and associates&#8221; correspond to changes in the valuation of Metrovacesa and BBVA Allianz Seguros y Reaseguros, S.A.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Appendix III provides notifications on acquisitions and disposals of holdings in subsidiaries, joint ventures and associates, in compliance with article 155 of the Corporations Act and article 125 of the Securities Market Act 4/2015.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_823"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">16.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i921e4dd7207d40a09b456681955c3882" continuedAt="i019e42d9ca464a188df3fa05500f2058">Other information about associates and joint ventures</ix:continuation></span></div><ix:continuation id="i019e42d9ca464a188df3fa05500f2058" continuedAt="i0c92b0250c224a7cb8e503ee2096b676"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If these entities had been consolidated rather than accounted for using the equity method, the change in each of the lines of balance sheet and the consolidated income statement would not be significant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020 there was no financial support agreement or other contractual commitment to associates and joint ventures entities from the holding or the subsidiaries that are not recognized in the financial statements (see Note 53.2). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020 there was no contingent liability in connection with the investments in joint ventures and associates (see Note 53.2). </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_826"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">16.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i0c92b0250c224a7cb8e503ee2096b676" continuedAt="i1297871c65bb44c8ab01d18286e5a5b7">Impairment</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i1297871c65bb44c8ab01d18286e5a5b7">As required by IAS 36, the book value of the associates and joint venture entities has been compared with their recoverable amount, with the latter being calculated as the higher between the value in use and the fair value minus the cost of sale. For the year ended December 31, 2022, a reversal of impairment was recorded for &#8364;<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjYvZnJhZzo0YjI3MGQ1YjNkYjI0N2MxYWNkNDhjMWJjNDRiMGRkNC90ZXh0cmVnaW9uOjRiMjcwZDViM2RiMjQ3YzFhY2Q0OGMxYmM0NGIwZGQ0XzE3NTkyMTg2MDQ1NTk1_0248f4b6-d798-4075-8408-a078a1d1b5d1">42</ix:nonFraction> million; while for the year ended December 31, 2021, there was no impairment recorded in the Group&#8217;s consolidated income statement; and for the year ended December 31, 2020, &#8364;<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjYvZnJhZzo0YjI3MGQ1YjNkYjI0N2MxYWNkNDhjMWJjNDRiMGRkNC90ZXh0cmVnaW9uOjRiMjcwZDViM2RiMjQ3YzFhY2Q0OGMxYmM0NGIwZGQ0XzE3NTkyMTg2MDQ1NjA1_76bedcd5-b3aa-43ba-b2ee-34763e5ac004">190</ix:nonFraction> million were recorded due to impairment (see Note 48).</ix:continuation> </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-122</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_829"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">17.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfTangibleAssetsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzEwMzI_1f3acccc-3787-4c8a-8d3c-297b25a92afd" continuedAt="ife930798d2954d62829174c61a679010" escape="true">Tangible assets</ix:nonNumeric></span></div><ix:continuation id="ife930798d2954d62829174c61a679010" continuedAt="ic492d2de46994c06a62091a09b016916"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzEwMjg_488246ef-5691-4009-8442-5b9d80e699d8" continuedAt="idb0981ecc7564ed087e85807aa8d84a3" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown and movement of the balance and changes of this heading in the consolidated balance sheets, according to the nature of the related items, is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:26.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.830%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.374%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.222%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tangible assets. Breakdown by type of assets and changes in the year 2022 (Millions of Euros)</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Land and buildings</span></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Work in progress</span></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Furniture, fixtures and vehicles</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Right to use asset</span></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment Properties</span></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets leased out under an operating lease</span></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:20pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Own use</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment Properties</span></td></tr><tr style="height:12pt"><td colspan="30" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cost </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtMi0xLTEtNzE0Nzc0_2398a12f-bff7-422d-9c8e-0c4f4d552d51">4,350</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtMy0xLTEtNzE0Nzc0_0dc23c3b-5e3f-4f40-b0cc-fe36c7c78407">67</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtNC0xLTEtNzE0Nzc0_7f7226ab-8d8b-43f6-b8cd-e738cb3be38c">5,388</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtNS0xLTEtNzE0Nzc0_d69965fa-12e7-4f75-b67a-c91a643ab358">3,154</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtNi0xLTEtNzE0Nzc0_86aa1fda-0434-412a-9afc-a6c8564a9dcc">162</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtNy0xLTEtNzE0Nzc0_e9846173-bfdc-4902-b590-0b06bd383c5e">147</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtOC0xLTEtNzE0Nzc0_d0fd533a-9f64-4fac-8a69-1b222d8df526">267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzUtOS0xLTEtNzE0Nzc0_76c7ed53-e63d-4fd1-82c9-f6d387b6dce0">13,535</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a33417e0ac34b8087b0d40a93b50dee_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtMi0xLTEtNzE0Nzc0_4fe462a5-7993-473c-ac10-a40cba3040fe">366</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e87f2723bb3498cb74145819dfd20f4_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtMy0xLTEtNzE0Nzc0_cb8872f5-e1e1-4f04-9562-22637c951f21">71</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6678bbdcc3f340948f566385f42ace21_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtNC0xLTEtNzE0Nzc0_aee5d09c-7c47-4f20-bcb0-cedd281abc9d">475</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1889f9163ddc48c5b29b028531d7bc99_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtNS0xLTEtNzE0Nzc0_f7a237dd-1e2d-4fa8-8e8b-4bb16d6ba359">578</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3cbff4cb44574cc999fe38c9eb181965_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtNi0xLTEtNzE0Nzc0_be20edbd-dcfc-47af-94f8-2fb444862605">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacc7b2801e3a426a973862cda4e28722_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtNy0xLTEtNzE0Nzc0_338d01ab-c420-4c38-b91c-8c410a246030">95</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i826bd060aba3417496b3c18d2135c751_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtOC0xLTEtNzE0Nzc0_c1fa4117-4dc7-4c4a-99f9-e9580318bad4">122</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibad7ecf7b5ee489291ac63d920aa48b8_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzYtOS0xLTEtNzE0Nzc0_1438afac-5a91-4062-978d-bce6bdabc75f">1,726</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idee9f4fd16bf4b82892500d487ef4af3_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctMi0xLTEtNzE0Nzc0_584559cc-30a2-4ab0-ae9f-3636c275de59">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ddf200f6c29447a8094df66f883bc6b_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctMy0xLTEtNzE0Nzc0_183881b1-d9c6-4558-a8ad-303e25d365b9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5dc3d264238e4f6bb29ef45767bfb7bc_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctNC0xLTEtNzE0Nzc0_57a3a038-53eb-40f0-be4b-a492eb62ccbe">140</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0281c9e04c33455e94ea0df152355c62_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctNS0xLTEtNzE0Nzc0_191c1f41-d791-4dcb-a585-bf0f02ee9d65">1,620</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idbd74af06b8c42bdad0abc974ecaf0fc_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctNi0xLTEtNzE0Nzc0_591ecae7-baf6-4e00-8461-354ff1997ea9">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i321a7dbd04374bf58fdd9c0cba624162_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctNy0xLTEtNzE0Nzc0_62e25bec-3b40-4d6a-a056-415491f8366d">19</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29bbfc28c2a04fc9aa3bd907dd2af351_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctOC0xLTEtNzE0Nzc0_5340af98-82bf-42a1-ac40-31ac2bf834eb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if273430584e9467e843b2cc985b4f9d9_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzctOS0xLTEtNzE0Nzc0_e12ff42b-96e0-4a91-9daf-50c021f29f66">1,784</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of subsidiaries in the year</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3048b8c137d1456790a4ccaf6c56dcd1_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtMi0xLTEtNzE0Nzc0_858de5da-91d7-4cf6-8caa-1d76ef40f8cb">1,392</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e9ef20524264118a1041de25c7bc744_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtMy0xLTEtNzE0Nzc0_080732cb-628a-40c0-9c0b-c5b1cb8a6a2a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf42c760baa64a888045a224dc6cb169_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtNC0xLTEtNzE0Nzc0_804a771c-25ca-47e7-9122-e76be74a5b0a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefd56afae9fa449bbc59f006101f1510_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtNS0xLTEtNzE0Nzc0_6468c9b3-262d-4bdd-91be-f2ea705b90d1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i018365a0d06b47b8806b97a07686fada_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtNi0xLTEtNzE0Nzc0_a667ef45-1d0a-4610-9808-328807f32471">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i701a8ee90a344a278b65623e4c16139e_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtNy0xLTEtNzE0Nzc0_1f996029-dd44-4c08-9919-1d0e23761575">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i497b2f413a7445b48b06f8a046b6d266_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtOC0xLTEtNzE0Nzc0_61f73633-78b5-46ff-8da4-6151c9de2486">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a2ea863d3bb4250a5af2bdd264bdccc_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzgtOS0xLTEtNzE0Nzc0_d8dd8052-1b1e-4c67-ba44-5c72ac8574f9">1,392</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposal of entities in the year</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i65b82d64e27e4c4d80ef096154b5d691_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzktMi0xLTEtNzE0Nzc0_9981a38c-0f52-47e5-950e-20fd2b6b3202">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i131d4540025c4dd69a91535b6293b202_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzktMy0xLTEtNzE0Nzc0_69e27043-0d3b-4d21-ad3b-548f4d74cc7d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6b7d8068f9549788a79819befbb5a8b_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2113ca03a5b64cf3925f821f662ed6b6_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTItMS0xLTcxNDc3NA_e6f68de8-bba4-4d7f-a366-f6426802a9db">21</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5162fb197f5f468a8e016529ca4f5afe_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTMtMS0xLTcxNDc3NA_016ad86f-e85e-4644-83fb-e08b7610f26f">54</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i437b4af6b5d24bf9b9b09233602957ea_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTQtMS0xLTcxNDc3NA_e20d987a-781a-41b1-8e8e-eef27d17ca37">40</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8ea959cfed944d9cb8e39bde72dd3c58_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTUtMS0xLTcxNDc3NA_bfcd9c30-a943-4eeb-8490-2111d794f88c">274</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ideaa7e57689b435890c84d779a53def8_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTYtMS0xLTcxNDc3NA_5d74fe24-b2bb-465b-b64e-ed18aff23ce1">33</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie696dffb3fb74ca48273c555e72b6b89_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTctMS0xLTcxNDc3NA_0ef14455-7cdf-42bb-9cdd-2951a23ab58d">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcee6a363faa466a83029c9df7ee1a78_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTgtMS0xLTcxNDc3NA_21a242ea-4bde-4093-a1df-d5174e3b80f0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ife9658b5bb5b4966891413ae02eeecb2_D20220101-20221231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEwLTktMS0xLTcxNDc3NA_55e2922f-7b1a-4164-a0ca-80baecd56da2">360</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange difference and other</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bdbf7bbc5be43e19f8bf3e7dac58a47_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTItMS0xLTcxNDc3NA_d83318c3-9c4a-4a87-b573-b87193bcd0ee">171</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f449b35be874c89ba5fb275b2e5722a_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTMtMS0xLTcxNDc3NA_00132f25-ec14-4d85-8a56-18be8fec8cf5">9</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8a9bc25927040f094efaf64e957ec81_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTQtMS0xLTcxNDc3NA_9f384c7d-bb78-44a6-b386-347220f885d8">150</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb4cc7bd1f0c4e5eaa09558540a435e5_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTUtMS0xLTcxNDc3NA_2ff46f9f-e018-422f-83dc-4669720bf841">32</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie20feb9d6b20464a86afb49e6dea3652_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTYtMS0xLTcxNDc3NA_e1287f76-6b10-4398-9936-d05e2dcdba2c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7fe1d5b2e5e4d55aac6a0bd09201950_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTctMS0xLTcxNDc3NA_c3552de3-7e0c-4e76-8c8d-b8f63a3caffa">23</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6d4de3e41fb43c1be3fcd4578bcc6da_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTgtMS0xLTcxNDc3NA_85d32273-17b7-4420-93b0-81538225deef">193</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i765e7aa2543442cb98ce9c6a90332da9_D20220101-20221231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzExLTktMS0xLTcxNDc3NA_62409628-7a87-41f9-8f8d-84edb5854503">580</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a4f262e670a45c08f8ecd5ef4ed5055_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTItMS0xLTcxNDc3NA_5aecec03-86f8-404d-bf55-71347cf775c7">6,255</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4e440d27e6c4fe99bb5dcbc355dae80_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTMtMS0xLTcxNDc3NA_3e4c7f26-8391-4874-bf78-b47e6efee2ec">93</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46ddf6f3457642b5a02ad6071a40532b_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTQtMS0xLTcxNDc3NA_b63721b6-3a8c-47b9-b41e-f1a4ab4a29eb">5,833</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaabc46fa187140608e1fab7ddea5f9d6_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTUtMS0xLTcxNDc3NA_4e6a5690-37dd-4097-99d8-7e693001c147">1,871</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id88990a5f02f46bf936500d51a7733fb_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTYtMS0xLTcxNDc3NA_4bfb0e4f-cfc0-4cca-94ce-87f0ba9275b9">214</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c09e8bab29440d3850ca349b779bd2c_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTctMS0xLTcxNDc3NA_6207a44a-f709-4714-8ebb-5d2ebf187c62">242</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79aaefce39a24226b94a74184c6c5e0b_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTgtMS0xLTcxNDc3NA_86332552-fb20-4b47-87d2-f13679aa5397">582</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzEyLTktMS0xLTcxNDc3NA_25f55e32-0911-441b-adab-06c18ceb71dc">15,089</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accrued depreciation </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTItMS0xLTcxNDc3NA_041cf20b-0240-4dac-a724-a25e72c79a65">900</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTMtMS0xLTcxNDc3NA_7d64dd26-799c-4686-b73b-ea3206b36c08">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTQtMS0xLTcxNDc3NA_6df833d8-f55a-482e-a1a0-7182574da21f">3,833</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTUtMS0xLTcxNDc3NA_6306df47-6f5f-4034-bf0d-f3929e506e69">811</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTYtMS0xLTcxNDc3NA_d73b6a12-6b61-4212-aea2-b5063642afd5">47</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTctMS0xLTcxNDc3NA_8137fae0-92da-493a-b044-2963ef5d7651">17</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTgtMS0xLTcxNDc3NA_e0d8e41d-c525-4a1c-bea7-d95dfcc3636d">33</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE1LTktMS0xLTcxNDc3NA_7cb1dcf6-a1b1-4d63-8288-224c84bfedca">5,641</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a33417e0ac34b8087b0d40a93b50dee_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE2LTItMS0xLTcxNDc3NA_b082a761-1277-4464-b335-45b8bbe3d277">108</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE2LTQtMS0xLTcxNDc3NA_bebd4b9e-add2-4e80-aba2-c804b5903169">393</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1889f9163ddc48c5b29b028531d7bc99_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE4LTQtMS0xLTcxNDc3NA_877aceca-454f-4724-9498-63d821394972">132</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0281c9e04c33455e94ea0df152355c62_D20220101-20221231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE4LTctMS0xLTcxNDc3NA_8745a2de-bf05-4cdb-a457-eecb309bb4c1">13</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29bbfc28c2a04fc9aa3bd907dd2af351_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzE4LTktMS0xLTcxNDc3NA_1bcd06d6-f7ac-451e-bec3-0e68623061d5">392</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of subsidiaries in the year </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIwLTgtMS0xLTcxNDc3NA_a05ac95d-76c5-4573-a25f-196238523d47">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae66945f098b4e78a6a965671bd50ed7_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIwLTktMS0xLTcxNDc3NA_337d686d-cf6e-46cf-9493-b0fb1cf43db4">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2113ca03a5b64cf3925f821f662ed6b6_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTItMS0xLTcxNDc3NA_bea9862a-2c2c-476a-9b34-da78a09ee8a0">11</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5162fb197f5f468a8e016529ca4f5afe_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTMtMS0xLTcxNDc3NA_abf4c865-0789-417f-921c-b530ae6696c1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i437b4af6b5d24bf9b9b09233602957ea_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTQtMS0xLTcxNDc3NA_f47d90f6-c525-43b3-9a0b-219cf77a3439">52</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8ea959cfed944d9cb8e39bde72dd3c58_D20220101-20221231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTYtMS0xLTcxNDc3NA_f1d95d52-8117-47a9-b546-8ea8ce5f2b60">6</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie696dffb3fb74ca48273c555e72b6b89_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTctMS0xLTcxNDc3NA_b48dbcc5-1cae-43e8-ba99-bafd0432210f">13</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcee6a363faa466a83029c9df7ee1a78_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTgtMS0xLTcxNDc3NA_68b183e6-94a6-4a16-8424-1fa86436a61f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ife9658b5bb5b4966891413ae02eeecb2_D20220101-20221231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIxLTktMS0xLTcxNDc3NA_2af241f7-8a1d-474f-8cc5-1349cf6e4da0">139</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bdbf7bbc5be43e19f8bf3e7dac58a47_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTItMS0xLTcxNDc3NA_240e7876-a5ae-49b6-ab07-56725bf2fe5e">47</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f449b35be874c89ba5fb275b2e5722a_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTMtMS0xLTcxNDc3NA_e77512a8-dccd-4ef1-af1a-573824f5107b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8a9bc25927040f094efaf64e957ec81_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTQtMS0xLTcxNDc3NA_44481e7d-e3a9-4921-9d69-b2a81cac83e5">59</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb4cc7bd1f0c4e5eaa09558540a435e5_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTUtMS0xLTcxNDc3NA_6128dff3-89c6-4874-9229-6251e9e14628">11</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie20feb9d6b20464a86afb49e6dea3652_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTYtMS0xLTcxNDc3NA_2c356749-b4df-49fa-8e0d-4bd2688581b8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id7fe1d5b2e5e4d55aac6a0bd09201950_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTctMS0xLTcxNDc3NA_b8ec125c-1f51-4d29-8fb7-24c954d1ce92">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6d4de3e41fb43c1be3fcd4578bcc6da_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTgtMS0xLTcxNDc3NA_99204133-351b-4bad-a3de-545cf2ff99ac">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i765e7aa2543442cb98ce9c6a90332da9_D20220101-20221231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIyLTktMS0xLTcxNDc3NA_48ee48a2-eb9f-4d5e-99c9-47982c37fd3c">138</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a4f262e670a45c08f8ecd5ef4ed5055_I20221231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTItMS0xLTcxNDc3NA_bd00fd3c-4141-4686-9f37-fe37e24e1dbe">1,064</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4e440d27e6c4fe99bb5dcbc355dae80_I20221231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTMtMS0xLTcxNDc3NA_aa93d161-55ec-4240-928c-b6a642f6bcf5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46ddf6f3457642b5a02ad6071a40532b_I20221231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTQtMS0xLTcxNDc3NA_fe3efe73-412b-47f5-9bd0-2528f0b3b044">4,204</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaabc46fa187140608e1fab7ddea5f9d6_I20221231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTUtMS0xLTcxNDc3NA_25c4a65d-edbf-4a93-88e3-a4cb1e8526fb">653</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id88990a5f02f46bf936500d51a7733fb_I20221231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTYtMS0xLTcxNDc3NA_86b841d7-ef3b-4dc9-8eb4-82a7a998d78b">70</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c09e8bab29440d3850ca349b779bd2c_I20221231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTctMS0xLTcxNDc3NA_860d69de-d976-410e-8894-eef5a040b0fd">23</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79aaefce39a24226b94a74184c6c5e0b_I20221231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTgtMS0xLTcxNDc3NA_371b4bb5-49f9-4273-89aa-f0567bab4689">52</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzIzLTktMS0xLTcxNDc3NA_615c06c2-50ed-4a81-8f81-2f2f95bcd257">6,066</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTItMS0xLTcxNDc3NA_98286dea-381d-410b-9175-bbc5425491f7">114</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTMtMS0xLTcxNDc3NA_3b21e0f9-a102-4383-a472-902e387825b9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTQtMS0xLTcxNDc3NA_314016dd-3c02-4ca1-8ea9-8e26eefabe3a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTUtMS0xLTcxNDc3NA_76fa308e-5df6-479b-a134-a80ff336a520">427</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTYtMS0xLTcxNDc3NA_e6d8de87-7289-4742-b795-452ffdbfdd35">34</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTctMS0xLTcxNDc3NA_9ab93ecc-b5e8-4a31-8162-0773922e8ec4">21</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTgtMS0xLTcxNDc3NA_f3cc1c26-75ac-4f7e-8916-4d64e292a021">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI2LTktMS0xLTcxNDc3NA_ae59e00d-411b-4131-9414-e932df01d80d">596</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4a33417e0ac34b8087b0d40a93b50dee_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI3LTItMS0xLTcxNDc3NA_bf27f9d4-af14-464f-adbc-b2942e14db8e">29</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e87f2723bb3498cb74145819dfd20f4_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI3LTMtMS0xLTcxNDc3NA_39447f50-5194-461c-b905-4c7a9168f474">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6678bbdcc3f340948f566385f42ace21_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI3LTQtMS0xLTcxNDc3NA_2c944c1f-7c80-4cea-9b78-8dd8bcfba57e">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1889f9163ddc48c5b29b028531d7bc99_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzI3LTUtMS0xLTcxNDc3NA_6be2fa0b-e2f1-457d-b0f5-e00361b846bc">45</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3cbff4cb44574cc999fe38c9eb181965_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3048b8c137d1456790a4ccaf6c56dcd1_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMwLTItMS0xLTcxNDc3NA_7ff85c26-8019-4af5-8586-dc6388480914">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMzLTQtMS0xLTcxNDc3NA_5ade5b35-f2e6-4089-bc1a-18322aa59f40">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ieb4cc7bd1f0c4e5eaa09558540a435e5_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMzLTUtMS0xLTcxNDc3NA_c3283380-6074-44d6-a1db-75713f090bd5">309</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie20feb9d6b20464a86afb49e6dea3652_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMzLTYtMS0xLTcxNDc3NA_40a9c026-fc1c-4915-9969-354cc38a4515">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id7fe1d5b2e5e4d55aac6a0bd09201950_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMzLTctMS0xLTcxNDc3NA_192e3e7e-be39-4733-9b18-bb00d4700d3e">26</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6d4de3e41fb43c1be3fcd4578bcc6da_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMzLTgtMS0xLTcxNDc3NA_59587801-bdcc-4ecc-9ab8-97cd25bba40e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i765e7aa2543442cb98ce9c6a90332da9_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzMzLTktMS0xLTcxNDc3NA_d985dcab-3417-4c31-b700-27f98d11984e">270</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a4f262e670a45c08f8ecd5ef4ed5055_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTItMS0xLTcxNDc3NA_3a731a08-c719-4709-99e3-77def708c983">154</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4e440d27e6c4fe99bb5dcbc355dae80_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTMtMS0xLTcxNDc3NA_175e657a-6146-44b2-a7a3-8a05b97d9d6b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46ddf6f3457642b5a02ad6071a40532b_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTQtMS0xLTcxNDc3NA_791385e8-f939-4433-9a50-815f656ffd7e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaabc46fa187140608e1fab7ddea5f9d6_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTUtMS0xLTcxNDc3NA_611026bb-47b3-47f8-83e8-915eac5305c9">65</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id88990a5f02f46bf936500d51a7733fb_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTYtMS0xLTcxNDc3NA_cd58267f-d6dc-4461-81ae-794b138ad8b4">50</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c09e8bab29440d3850ca349b779bd2c_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTctMS0xLTcxNDc3NA_15087213-edd1-4fc4-9689-a12b9e1b731f">17</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79aaefce39a24226b94a74184c6c5e0b_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTgtMS0xLTcxNDc3NA_90b9f1e8-a211-41de-bb72-c8e2b3d04f05">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM0LTktMS0xLTcxNDc3NA_ff5aaeab-0b08-4d40-9263-e54cbce1b1c0">286</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTItMS0xLTcxNDc3NA_e7a035d5-7576-4cb6-b8ca-4f1b22809f83">3,336</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTMtMS0xLTcxNDc3NA_81e97cd5-cc65-4bb2-8e5b-d1220970e386">67</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTQtMS0xLTcxNDc3NA_14d1b4db-7bfa-4dfd-849f-554207b67d90">1,555</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTUtMS0xLTcxNDc3NA_b3ea4ddb-90fd-4225-89f6-1dc6ca46d46e">1,916</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTYtMS0xLTcxNDc3NA_033d3728-a118-4d56-8c52-06e806172087">81</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTctMS0xLTcxNDc3NA_4cd6ee20-8398-446f-977b-ece9c8082392">109</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTgtMS0xLTcxNDc3NA_36415485-5a20-4ea1-9900-90d60bfa0c37">234</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM3LTktMS0xLTcxNDc3NA_b0a34967-4d3a-4928-84c3-38fedd207e1d">7,298</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a4f262e670a45c08f8ecd5ef4ed5055_I20221231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTItMS0xLTcxNDc3NA_ab72607d-5e51-4c72-9386-aaacd7541493">5,036</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if4e440d27e6c4fe99bb5dcbc355dae80_I20221231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTMtMS0xLTcxNDc3NA_32818677-7bff-4f5b-a2d4-dcdc6f0de266">93</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46ddf6f3457642b5a02ad6071a40532b_I20221231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTQtMS0xLTcxNDc3NA_7c05cf53-d013-4dcd-9f14-9ff1811bc1a5">1,629</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaabc46fa187140608e1fab7ddea5f9d6_I20221231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTUtMS0xLTcxNDc3NA_5bfe3454-439b-4357-9dc7-90bc415957ec">1,153</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id88990a5f02f46bf936500d51a7733fb_I20221231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTYtMS0xLTcxNDc3NA_4b85ac76-ec14-4e62-8b2b-e58075d881e7">94</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c09e8bab29440d3850ca349b779bd2c_I20221231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTctMS0xLTcxNDc3NA_1a162569-955a-4b4a-b9df-2a8dfd1d52f8">201</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79aaefce39a24226b94a74184c6c5e0b_I20221231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTgtMS0xLTcxNDc3NA_f2f29b5c-8e47-472e-87ce-ede717fb5f58">530</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo5ZmRhYWNhOWViODE0ZDE4YjUyM2NjODUyNGE0NTNkNC90YWJsZXJhbmdlOjlmZGFhY2E5ZWI4MTRkMThiNTIzY2M4NTI0YTQ1M2Q0XzM4LTktMS0xLTcxNDc3NA_b89b0844-4bf5-4467-b504-8a84fc93a25c">8,737</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzU3NzI0MzYwNDcyMjk5_39e9d9e7-bd3a-4533-9ec7-40d5db86a17b" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%">(1) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%">The variation in 2022 corresponds mainly to the closing of the transaction with Merlin Properties in which 100% of the shares of Tree </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:112%">Inversiones Inmobiliarias,</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%"> SOCIMI, S.A. were acquired by BBVA Group.</span></ix:footnote></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzU3NzI0MzYwNDcyMzAw_503950ea-21b6-4a6d-adef-7ca8b289f275" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">The variation in 2022 corresponds mainly to the effect of the IAS 29 implementation in Turkey (see Note</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> 2.2.19).</span></ix:footnote></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-123</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic492d2de46994c06a62091a09b016916" continuedAt="i58a2e4e0dce84783bf89827d613a1b47"><ix:continuation id="idb0981ecc7564ed087e85807aa8d84a3" continuedAt="if429406c80ec42c8b294f3bde3e9d049"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.248%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.679%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.148%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tangible assets. Breakdown by type of assets and changes in the year 2021 (Millions of Euros)</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Right to use asset</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment properties</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets leased out under an operating lease</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:24pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Land and buildings</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Work in progress</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Furniture, fixtures and vehicles</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Own use</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment properties</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cost </span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtMi0xLTEtNzE0Nzc0_fdf73c97-ac9f-444d-ba1d-4d3735f515f2">4,380</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtMy0xLTEtNzE0Nzc0_05e22a74-de39-428e-a6ea-c2261a0012bf">52</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtNC0xLTEtNzE0Nzc0_ad4bf30f-c700-4318-8460-240fdd721ae7">5,515</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtNS0xLTEtNzE0Nzc0_0aea43d2-1f86-4712-9b33-f697685cba23">3,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtNi0xLTEtNzE0Nzc0_ebce1cb4-3692-4eb9-9a4d-5e17e17302f5">123</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtNy0xLTEtNzE0Nzc0_c205f16c-6d1f-4b6f-8964-8cb49bbfdca0">201</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtOC0xLTEtNzE0Nzc0_8770a03e-d63b-458a-9ede-0d77781bea2f">345</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzQtOS0xLTEtNzE0Nzc0_219c5eaa-2a8a-4630-8c25-73e1e4a6a784">13,677</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1fa046e8b139432b875d2d3d4feb0c4d_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtMi0xLTEtNzE0Nzc0_1ccc99c3-f1f5-4a3d-92e2-c2b413b80cdf">58</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1ffe69be3414d909fb00df0a0ba0c6d_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtMy0xLTEtNzE0Nzc0_9c142016-003a-463f-b09a-901cc6f3a334">31</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1db2ac2b6ef040d8ac550166d9f99756_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtNC0xLTEtNzE0Nzc0_5cca35fc-2370-4b3e-90a1-a900d7198c52">262</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id39b04c19829417fac4be247b1cd5e70_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtNS0xLTEtNzE0Nzc0_4003747f-d406-4d9c-97ef-d85dc9fe77d5">230</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i494842ce0b954c6eb57951e9c5ca688b_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtNi0xLTEtNzE0Nzc0_dc4818bd-f12a-4703-bb4a-798e70fab9da">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i406a02dc46e940f5af1bd1255133e28d_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtNy0xLTEtNzE0Nzc0_92b2d7ea-893e-42eb-a2f7-de059938680c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i654bf8fc1dae4b15bc3f3ca60af1c04b_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtOC0xLTEtNzE0Nzc0_63351da8-1573-45c6-8786-c862aab4c01c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88c023dabc8d48a88b5672def602dba5_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzUtOS0xLTEtNzE0Nzc0_30f6dbde-d24d-40a9-8e31-c4d0e4d814de">585</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8610cf878c2e4b248bd1a2185479994d_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtMi0xLTEtNzE0Nzc0_b0ce0a52-0df8-4bd6-b81f-a5c5accf1a7f">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iece6f60ea8c54117ad6ecb11dc760ba0_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtMy0xLTEtNzE0Nzc0_812e0da2-231d-4b16-ba18-8fbc4ce0e240">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i78c066bc638e474aa767d50771123691_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtNC0xLTEtNzE0Nzc0_ebd3c546-b2f4-49d6-a63b-341ef1561ee5">281</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5361290f38684fe1afd8a4976d14f86c_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtNS0xLTEtNzE0Nzc0_ee848686-c28c-4c4e-aead-0573c5a5c866">59</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i991b27c7edcd49de9d211c70825a0b31_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtNy0xLTEtNzE0Nzc0_14039d94-d82b-4f41-9e2c-7854c45fe3af">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e48976c5d514ea6a4b98769b4cdc2aa_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtOC0xLTEtNzE0Nzc0_95bc8c0f-5515-46d8-98e7-c57662bd03d9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic7f209e6a85c458786a12fd245af0e19_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzYtOS0xLTEtNzE0Nzc0_ddf71135-d177-4a9e-9e4c-479f427d5f13">347</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of subsidiaries in the year </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i351ca3ca465843a9b7bcd2cb4e73a380_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzctMi0xLTEtNzE0Nzc0_82a73771-5b24-404f-abb9-764eaa8b466b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzctNi0xLTEtNzE0Nzc0_d6cb4e86-8d38-46fc-84f5-8cff5fd8389e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1fb0fcc8a6a448cf813c3b5e00dfc245_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzctNy0xLTEtNzE0Nzc0_a39121c5-3dd9-4016-8c40-c6044c201bea">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1b1eb3292c84c749a8ac9d876aa66b3_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzctOC0xLTEtNzE0Nzc0_b68a3da9-f142-4c98-8683-6b5a8015d316">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d4bef3566f042739f039a9eff62f133_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzgtOC0xLTEtNzE0Nzc0_feef4a24-42e1-47ff-8aab-05fbe30945c9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iac5516adb7da4c2080a84d2ad5d39127_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzgtOS0xLTEtNzE0Nzc0_3c2ae812-cbd8-4c62-87af-0d5b615af7de">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i38f6d8d229bf41a3b6fa9b41b938ca4c_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktMi0xLTEtNzE0Nzc0_d1a626a3-3ba8-4efb-abb3-97584a764fdd">112</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i22ce084442334a5c9c1c1d8856e56be7_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktMy0xLTEtNzE0Nzc0_772686a5-e66c-43aa-9964-7784543ef4e3">8</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5ff0a03d4f304cedb0cc42a246e2b19c_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktNC0xLTEtNzE0Nzc0_c789a866-d167-477f-9ec2-9daf8619389d">29</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6abb2d8668b240a7bf91edb380630d33_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktNS0xLTEtNzE0Nzc0_22465d13-d957-4d80-9efc-174be5a4609c">34</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic69e29df1d3144b487e90858fab30be9_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktNi0xLTEtNzE0Nzc0_a4790e53-01fa-470c-9830-5cb677714912">35</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8fccbdc80c94129bb965a8bef179588_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktNy0xLTEtNzE0Nzc0_81e8e355-2e8e-447a-864c-d5c29162ddba">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie60d0969393448c391b9ecfe2d768f72_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktOC0xLTEtNzE0Nzc0_a8b64884-da73-4e9b-ad73-afae37d609ee">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iefa5543db1544ad1a8156bba1dde1b04_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzktOS0xLTEtNzE0Nzc0_ff17cc03-7ea0-4c04-b705-1929f66946b7">147</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibeca0c14aa2648778f2d7787ed56052b_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTItMS0xLTcxNDc3NA_d272e1aa-7cd4-4a92-90df-086b98c11149">29</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i128d68c959e34f31a77ac505e1910455_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTMtMS0xLTcxNDc3NA_df830a75-27ee-48b8-8dcd-e2a184ed2409">7</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92b8ddbf1c3d4b7e82dec0ea4ded3f90_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTQtMS0xLTcxNDc3NA_43ae3cce-51f9-4084-be96-79253a194b8d">79</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id8efc62bfe484883ae4919665851349c_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTUtMS0xLTcxNDc3NA_5479c940-f7a7-4eef-b186-ab44e7f8ab34">44</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c6d43c96c1141f0b6258c684fc489b2_D20210101-20211231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTYtMS0xLTcxNDc3NA_38bfcee9-b7ff-4e57-934c-d09dbe9645d7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i13198164db0f431dbc7baae79a7f1df0_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTctMS0xLTcxNDc3NA_22374b86-1a54-48c8-97b2-98c46de83741">54</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idec3ee9f204541d6ab9def9fa924f4cb_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTgtMS0xLTcxNDc3NA_56ab8540-0b8d-46f4-9cb6-1f807667a52c">78</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie3de5d0d07334f0bade2f6d1f1705932_D20210101-20211231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzEwLTktMS0xLTcxNDc3NA_ede33098-fbb8-4ec5-9fe9-70d80f70ed13">233</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTItMS0xLTcxNDc3NA_94d51c85-838f-446d-ac95-1b8dcaa8bbda">4,350</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTMtMS0xLTcxNDc3NA_9c8c6f63-2f94-4223-97c7-76363cfb7389">67</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTQtMS0xLTcxNDc3NA_9d5e609a-7eda-48a0-a2e1-9d88b747eaeb">5,388</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTUtMS0xLTcxNDc3NA_b1262e19-55a5-4151-a656-6a41514ae32f">3,154</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTYtMS0xLTcxNDc3NA_73a4ab63-7d4e-4bc6-9d31-c624e7c1aaf8">162</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTctMS0xLTcxNDc3NA_3f7d9ae2-0f11-41be-96cc-ac1451e99a73">147</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTgtMS0xLTcxNDc3NA_cdc871e2-207e-4a66-a1ea-dc1592ad976f">267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzExLTktMS0xLTcxNDc3NA_4ad16bb8-f246-4dca-b743-719c58668c2d">13,535</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accrued depreciation </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTItMS0xLTcxNDc3NA_a25d6125-445e-4685-9c0c-c7dd6d65f254">833</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTMtMS0xLTcxNDc3NA_b9da5d42-599c-42cb-a2fd-9ba78f4235e8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTQtMS0xLTcxNDc3NA_7c6a7ed3-8f5c-4a93-b79f-c9153c8b4bcf">3,859</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTUtMS0xLTcxNDc3NA_25c02ae4-f67b-4985-bf91-a49439c4dc91">582</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTYtMS0xLTcxNDc3NA_631b03f7-3bae-4871-b2f2-aef34579e138">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTctMS0xLTcxNDc3NA_a7c3d357-3dd9-4b01-a8dc-88cda1d4542f">16</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTgtMS0xLTcxNDc3NA_3755ba04-b1dd-481c-88cf-63754ab922cf">54</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE0LTktMS0xLTcxNDc3NA_e011a53a-af37-4bb2-9a35-f87254f86035">5,371</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1fa046e8b139432b875d2d3d4feb0c4d_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE1LTItMS0xLTcxNDc3NA_0dc4d96c-a7f6-4add-a361-0008a1bb3b74">79</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1ffe69be3414d909fb00df0a0ba0c6d_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE1LTMtMS0xLTcxNDc3NA_0b2d7a55-4bbe-41b0-9b35-4f4c0ec5f157">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1db2ac2b6ef040d8ac550166d9f99756_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE1LTQtMS0xLTcxNDc3NA_8c4b9ddb-50c6-411b-90b2-e01d03734149">358</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id39b04c19829417fac4be247b1cd5e70_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE1LTYtMS0xLTcxNDc3NA_ba876e11-2fd9-4b4f-80a6-63132d0a78f3">15</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i406a02dc46e940f5af1bd1255133e28d_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzE1LTktMS0xLTcxNDc3NA_d5a317fe-927f-4a39-89cc-9eaadafdad2c">740</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions transfer to discontinued operations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i38f6d8d229bf41a3b6fa9b41b938ca4c_D20210101-20211231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIwLTItMS0xLTcxNDc3NA_af4a8702-4309-4b11-bc0d-1348494e1dc0">23</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22ce084442334a5c9c1c1d8856e56be7_D20210101-20211231" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIwLTYtMS0xLTcxNDc3NA_222b8edc-445e-4d47-9652-733f35d9c19b">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8fccbdc80c94129bb965a8bef179588_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIwLTktMS0xLTcxNDc3NA_62e763b1-3831-40c3-8cce-6b922b9b9545">39</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibeca0c14aa2648778f2d7787ed56052b_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIxLTItMS0xLTcxNDc3NA_a4a1e76f-7873-4c37-b95b-20a81e3f9d35">30</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i128d68c959e34f31a77ac505e1910455_D20210101-20211231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIxLTMtMS0xLTcxNDc3NA_0be04e23-b914-4def-802c-eb210e7dcbe2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92b8ddbf1c3d4b7e82dec0ea4ded3f90_D20210101-20211231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIxLTQtMS0xLTcxNDc3NA_8dbf21ea-df88-4cff-8dbc-eb7b282e14c1">108</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id8efc62bfe484883ae4919665851349c_D20210101-20211231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIxLTgtMS0xLTcxNDc3NA_d9f1a01f-8e17-4413-9bea-de47b29d7805">21</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie3de5d0d07334f0bade2f6d1f1705932_D20210101-20211231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIxLTktMS0xLTcxNDc3NA_7449d7bc-c5bf-4f07-9b1f-9a729bd54329">134</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTItMS0xLTcxNDc3NA_ae16ad24-b67c-4e07-905f-c98d149bfbf1">900</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTMtMS0xLTcxNDc3NA_220f4b58-85b6-49c1-b2e9-f70ef444c7a3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTQtMS0xLTcxNDc3NA_79c6cee0-9c76-43e3-a756-0fe9e4412376">3,833</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTUtMS0xLTcxNDc3NA_5f70b4ef-df5a-4b04-a445-2376b9a5e70c">811</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTYtMS0xLTcxNDc3NA_57a940eb-138a-48eb-aeb3-5aaf885bba05">47</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTctMS0xLTcxNDc3NA_4f6e1299-ac7d-4e24-92bd-5119c79e2204">17</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTgtMS0xLTcxNDc3NA_e00f4aa8-bfc0-463d-aaa8-9514db285621">33</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzIyLTktMS0xLTcxNDc3NA_3d96c13d-b091-4d09-a082-4ed9e4db5714">5,641</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTItMS0xLTcxNDc3NA_59456fc4-300d-4c30-9327-ff0adef495ff">149</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTMtMS0xLTcxNDc3NA_6f33b396-6b62-400a-9e37-0644c4d80c05">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTQtMS0xLTcxNDc3NA_75b2406e-6091-42cf-a349-9a0ae27f87a9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTUtMS0xLTcxNDc3NA_f7bc1f4a-8d5d-4382-8bfb-be5d90b1f37b">274</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTYtMS0xLTcxNDc3NA_f6f8846a-889d-4896-a074-b5054aa243c5">26</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTctMS0xLTcxNDc3NA_2fe3050e-b0a3-4d6c-8382-5bb80fdc0601">34</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI1LTktMS0xLTcxNDc3NA_7435236b-e5f5-4142-9ee7-bc23efbfc0d5">483</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span 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1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1ffe69be3414d909fb00df0a0ba0c6d_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI2LTMtMS0xLTcxNDc3NA_3d9533d3-fcfd-4064-b527-be6c10b06068">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1db2ac2b6ef040d8ac550166d9f99756_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzI2LTQtMS0xLTcxNDc3NA_8d61b925-9f1b-42c7-b953-490faf349312">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id39b04c19829417fac4be247b1cd5e70_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMwLTctMS0xLTcxNDc3NA_2480dbc8-49a0-4858-9599-2c2dac48fdb8">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie60d0969393448c391b9ecfe2d768f72_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMxLTktMS0xLTcxNDc3NA_8e79e44f-b5fc-4f72-976a-8f62889d2f4f">43</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTItMS0xLTcxNDc3NA_6fb9aa96-728a-4009-a37d-d803a49b6257">114</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTMtMS0xLTcxNDc3NA_0ea9d94a-3d4a-4d05-a9bf-903102f25bb2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTQtMS0xLTcxNDc3NA_ae6ec7f1-401a-4999-a2bf-8ca23ee9577c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTUtMS0xLTcxNDc3NA_ebd64580-4ea1-4de3-a38f-69846c38d1bf">427</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTYtMS0xLTcxNDc3NA_7aa7acbb-84ff-4077-9098-c6e54705640d">34</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTctMS0xLTcxNDc3NA_367cee73-1820-426d-8559-fe9e91217f9c">21</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTgtMS0xLTcxNDc3NA_27fb2bc1-2bb9-4362-b4f8-1c928ade5d2f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzMyLTktMS0xLTcxNDc3NA_977a170f-47d9-41ee-b775-ada96285e916">596</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTItMS0xLTcxNDc3NA_c522a3ee-0881-4ffc-a11e-c1846af973f0">3,398</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTMtMS0xLTcxNDc3NA_45202ca1-b8d5-47e4-a89f-059ab9cb1f79">52</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTQtMS0xLTcxNDc3NA_7d166e6a-d7f4-4747-aa81-6d19aa7bccba">1,656</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTUtMS0xLTcxNDc3NA_288d4381-960a-4f44-bd14-46d7f28a5476">2,205</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTYtMS0xLTcxNDc3NA_7886b663-14f8-4f8d-8cd8-5a05010c2613">70</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTctMS0xLTcxNDc3NA_5428b6de-d8c2-4928-a9dd-f2958b3d99da">151</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTgtMS0xLTcxNDc3NA_65ac4868-b151-440d-9b02-dd1ef0adc2e8">291</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM1LTktMS0xLTcxNDc3NA_33317c0a-2e93-48ce-946e-69bf788f916d">7,823</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia263deea1658414c83bbbebaca2acea3_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTItMS0xLTcxNDc3NA_de5f7c3c-f67b-4b08-9db4-9a8de408fd8c">3,336</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cfe8dfa12874592ba4803021f63483c_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTMtMS0xLTcxNDc3NA_7ce90742-710f-4f54-8e0e-c21276568428">67</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53ba7721601d4caf917206ed694b969c_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTQtMS0xLTcxNDc3NA_b2acd8aa-3cac-493c-adaf-249dcb32aaa0">1,555</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i310ca170965449d08bdbbac3a00c2a16_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTUtMS0xLTcxNDc3NA_575dcd5d-2331-41a8-9892-740764eecd6a">1,916</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieef627607a5245bf9e6bce3870e177fd_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTYtMS0xLTcxNDc3NA_4b664bf2-4cc8-403a-954e-4a8d589da201">81</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7b42705174f43f0a9095f08530c67d5_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTctMS0xLTcxNDc3NA_5e475332-d823-4a60-ade7-b1fe294608ed">109</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe5d47c856c64202b01d684366e947c9_I20211231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTgtMS0xLTcxNDc3NA_cfd60e05-39fd-44a6-9489-644a2c266897">234</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZToxYTg5N2RhNDZhYzI0YjFiOGMyNTM2NjVmNjIwYWQ4Yy90YWJsZXJhbmdlOjFhODk3ZGE0NmFjMjRiMWI4YzI1MzY2NWY2MjBhZDhjXzM2LTktMS0xLTcxNDc3NA_e3bf906b-8ab7-4a8e-ab89-4d7b1aca0647">7,298</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzU3NzI0MzYwNDcyNzc5_f1e112ee-b85a-4618-8884-f04e9fa46c9b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2021, it includes allowances on right of use of the rented offices after the agreement with union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain (see Notes 24 and 49).</ix:footnote></span></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-124</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i58a2e4e0dce84783bf89827d613a1b47" continuedAt="i69196a1a9047487ebec87ddc3751a10d"><ix:continuation id="if429406c80ec42c8b294f3bde3e9d049"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.914%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tangible assets. Breakdown by type of assets and changes in the year 2020 (Millions of euros)</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Right to use asset </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:32pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Land and buildings</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Work in progress</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Furniture, fixtures and vehicles</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Own use</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment properties</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment properties</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets leased out under an operating lease</span></td></tr><tr style="height:12pt"><td colspan="30" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cost </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ef9730026c44f70864b196114b30da0_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtMi0xLTEtNzE0Nzc0_e2b11d5f-c987-46dc-8424-cc759b96a0ca">6,001</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f1b67f31d4c44f9a8bdd36e6a955987_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtMy0xLTEtNzE0Nzc0_cddc626b-2bc5-4bcd-89c5-77f5b8ec3151">56</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3c6131a3318478ba198d1dce9214643_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtNC0xLTEtNzE0Nzc0_8f8499e6-accd-4a41-bc7e-cd2674c37d40">6,351</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib523852ec8ea4319ab0f34a654422447_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtNS0xLTEtNzE0Nzc0_6579bf10-ec56-421a-a992-fd2cd05586b6">3,516</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0769416b1c494cc8b9c75474282df305_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtNi0xLTEtNzE0Nzc0_eb5e2522-ff29-4088-b548-5fd006b117e7">101</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c5da735b36b47bc8f019321a568adaa_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtNy0xLTEtNzE0Nzc0_6a3b6841-23f8-41bf-8fe6-101bd6159de5">216</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d83cf698d0446a09eda38622368b358_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtOC0xLTEtNzE0Nzc0_6fdacf4a-a64c-4986-9cbb-54cff7767339">337</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzUtOS0xLTEtNzE0Nzc0_df40547a-f405-4e73-826c-22d8ccccdc0e">16,578</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b4f450ce74c44069967468e8761f678_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtMi0xLTEtNzE0Nzc0_482e0382-6a4e-4df5-b0ec-c4018e57d8a1">157</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ba859282ca848dfb7825fd663fda060_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtMy0xLTEtNzE0Nzc0_68c9ff91-2589-4ed9-9260-1f5625812b11">54</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dff3b7cdfad4204b885c4c1d927a206_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtNC0xLTEtNzE0Nzc0_e0158881-a9a5-4406-a5f6-da0408c8e6d2">255</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9686feef3fb049b8808fc629b06087be_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtNS0xLTEtNzE0Nzc0_7f48d6a3-8345-49dd-95b3-a46b7a3312ba">183</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38606336cfe7452aa960823c4c8d2f20_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtNi0xLTEtNzE0Nzc0_e8876640-3f5e-4831-9aab-08d07f7e7349">0</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39ecbfa5df864b1eaf62e60fed897f01_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtNy0xLTEtNzE0Nzc0_7df272e2-22ae-41d6-8a91-ecf2e06b750f">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30b7bd03687a41808ce9c937f084836d_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtOC0xLTEtNzE0Nzc0_2f308d97-e413-47bb-9dc1-2e7f1333fc05">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b6714b09dd54bdcb70c6851706413ad_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzYtOS0xLTEtNzE0Nzc0_62a55dd6-5a42-4c12-91a3-4e5572d6053b">651</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id8e8baca7f974164b36beed5eed954dd_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctMi0xLTEtNzE0Nzc0_48b678f9-0960-4e47-ae72-9d30cd916ac4">10</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia4315c820291427596779e4dc4397657_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctMy0xLTEtNzE0Nzc0_8412919a-328d-41e8-abfd-a136d885cdb0">23</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i443a93e658244504b720e227ef0a96f4_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctNC0xLTEtNzE0Nzc0_bd08902f-3981-4e02-85de-a35a991b45ff">294</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i310fd53b98514a5a9d97039be2f3bc37_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctNS0xLTEtNzE0Nzc0_e5fbdd4c-92ce-4f14-a20d-1e0565234970">157</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i170d1f3d97284b4a9585858fded9f06c_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctNi0xLTEtNzE0Nzc0_33e87fdc-2f4d-4111-86d5-a3fd3d0e9c26">3</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i336f5533890f48f0a82bdf88ec6144d7_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctNy0xLTEtNzE0Nzc0_93ecbbd2-21f8-4c3b-84e7-d2b93fd59a11">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i339c25a2881e4e71a534cbccf04afaf8_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctOC0xLTEtNzE0Nzc0_3f96f335-cc2e-44bc-a397-2847ecc0aa6d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1034d3a323714c099c76a26cfdd59b93_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzctOS0xLTEtNzE0Nzc0_bc6c0be2-1635-43fe-929f-f643437c58d6">498</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of subsidiaries in the year </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee681c6609804271b73fb3c209d5dae7_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtMi0xLTEtNzE0Nzc0_5169995f-f683-4353-928d-6482e9ceb6d7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5e4f510edf6419ea296f285c900c2b3_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtMy0xLTEtNzE0Nzc0_1acaf555-efa8-4a8b-9f12-f80a3c131ebe">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i23e37a138fc84bec93c3b437fd723d30_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtNC0xLTEtNzE0Nzc0_86e7d270-e47a-4f50-9166-4af0edd05e65">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee8934ce10ff4f66954d761eb1ae197a_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtNi0xLTEtNzE0Nzc0_0bc2615c-f0f3-4c4a-ae1a-846021812efb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f56afeb28cc46beaddfd7bf795a38c2_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtNy0xLTEtNzE0Nzc0_734e9014-be86-4686-badd-18e5c0abae60">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e489bc71ab44494876c680b4ee4bb94_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtOC0xLTEtNzE0Nzc0_c42af8e7-9c53-4ab6-8451-4f1ce9f64443">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6fcb0cf6e8945bda10cfcf0293137a4_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzgtOS0xLTEtNzE0Nzc0_8f46a576-333f-4ac2-a285-cd618cd73813">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Companies held for sale</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i99f78cfc7fdb4fb89fa7686b6ba7995d_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzktMi0xLTEtNzE0Nzc0_d8cb6dc7-279e-4a78-9818-e35032351989">925</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44b9ee3283974483987681c7e3e3e5ad_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzktMy0xLTEtNzE0Nzc0_24917b34-d102-40ce-8dae-3f533db0ebac">31</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if4ce91564a854483961dd94fab51150b_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzktNC0xLTEtNzE0Nzc0_f083b351-d4ab-4ae7-b2ea-422e1e5f674c">366</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i471582f5a366464cad711eef977789af_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzktNS0xLTEtNzE0Nzc0_fe7df3c0-a260-4c5a-925d-5be86a4a0aec">294</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc1c7bdc54f64c908923bcbae39a4e58_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib88a3ecee1ed4c3b91934c2eeef26a04_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEwLTItMS0xLTcxNDc3NA_957c4153-4119-45c4-b73b-ebfbb578fc90">248</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i124cf0f407194624a94db08b683b7ea3_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEwLTMtMS0xLTcxNDc3NA_01a160fb-9a60-46fd-8005-8bfddf81f91f">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08e70f5bbb5d452bb1ad579cabdea68b_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEwLTYtMS0xLTcxNDc3NA_d953c711-5124-4d6e-ad30-bd430a397ee5">25</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4bceef1afcef44deba78b86fc101007d_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEwLTctMS0xLTcxNDc3NA_c16edd6a-f376-4ceb-895a-616593eb680c">18</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie489cb7dd972432d976e78991f7b9e67_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEwLTgtMS0xLTcxNDc3NA_9e1eb0ba-da2f-4ea9-b124-bb5917b201ef">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i342d2ad7dda742a88961f1ef4d0df01a_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEwLTktMS0xLTcxNDc3NA_5c256d33-78eb-4e30-ad47-ffebfacd5b19">272</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i63dfb28758ef48a9add621f084b9f744_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTItMS0xLTcxNDc3NA_6c202999-3f66-4378-b1da-d38219062657">595</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i24bb73e3096743a4a2e79df3c5cd1a36_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTMtMS0xLTcxNDc3NA_c9388ed8-2d8c-417a-8d48-9e717685eed1">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i841a4d41140d46028fdb882e1a70343d_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTQtMS0xLTcxNDc3NA_18db15f6-eba7-47ed-a83c-e9c1e9e41b24">426</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5c7727acf2884aa9bf8d92715cdd1962_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTUtMS0xLTcxNDc3NA_16337161-bc62-4bdc-8199-c1317ec7450f">127</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc595248bee84aba88ccffd6f7e603c5_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTYtMS0xLTcxNDc3NA_c8f68084-e770-443b-91ad-c5d80fc2a5d8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i447d539c945642cd8eda761d9ad9900e_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTctMS0xLTcxNDc3NA_7eba71fa-7692-422e-95cf-27e3de8d3ce2">24</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6cbe3e3faf574c9aa7ffd7b096603af0_D20200101-20201231" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTgtMS0xLTcxNDc3NA_1f756ddc-3c59-48cc-8b72-1e5ae390ddf1">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib96385a32d394a068cd85ae0f5a4cf36_D20200101-20201231" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzExLTktMS0xLTcxNDc3NA_53ebb9dc-76ef-489a-ba84-82691d50f051">1,166</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTItMS0xLTcxNDc3NA_abca9658-0a0f-49ad-a9b0-ff19331d3e76">4,380</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTMtMS0xLTcxNDc3NA_d23edf78-0da3-40e1-a389-3b3180564ca5">52</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTQtMS0xLTcxNDc3NA_f2b113d7-d92f-46d3-9daa-b570b50b23b9">5,515</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTUtMS0xLTcxNDc3NA_1fb0d32b-b92b-49a9-be5d-e3a994b1891d">3,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTYtMS0xLTcxNDc3NA_7f255f18-e32e-4253-8dec-372cf9f594c5">123</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTctMS0xLTcxNDc3NA_e564f60d-479a-4ec6-ac92-f6aee3a60582">201</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTgtMS0xLTcxNDc3NA_ee889c03-33d7-4ca0-8ec6-bad588e727bc">345</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzEyLTktMS0xLTcxNDc3NA_c0208f63-f5f0-4f4e-ad09-e6aee02e763b">13,677</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accrued depreciation </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ef9730026c44f70864b196114b30da0_I20191231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTItMS0xLTcxNDc3NA_69f07dfc-9a47-4a39-9138-2b1d6b938bb5">1,253</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f1b67f31d4c44f9a8bdd36e6a955987_I20191231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTMtMS0xLTcxNDc3NA_b169911e-bf3d-496c-a4a8-8b91c24d6a1a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3c6131a3318478ba198d1dce9214643_I20191231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTQtMS0xLTcxNDc3NA_5b5c4f0e-6237-40a2-8e79-89e8b260b322">4,344</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib523852ec8ea4319ab0f34a654422447_I20191231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTUtMS0xLTcxNDc3NA_71a8eee2-d5af-4fef-b001-3077d0fc70e6">370</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0769416b1c494cc8b9c75474282df305_I20191231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTYtMS0xLTcxNDc3NA_6e7ee053-b97b-497e-81f8-bd2933850281">11</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c5da735b36b47bc8f019321a568adaa_I20191231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTctMS0xLTcxNDc3NA_fda025c2-55be-4787-80c1-9ee88008cc15">15</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d83cf698d0446a09eda38622368b358_I20191231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTgtMS0xLTcxNDc3NA_13fa82be-ec0c-4b3b-8dc3-46bb2bc1cd05">74</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE1LTktMS0xLTcxNDc3NA_47f5ee81-325e-4d05-b08a-63b879b5601b">6,067</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b4f450ce74c44069967468e8761f678_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTItMS0xLTcxNDc3NA_0b8f8683-8288-4adb-89f5-08776f1952c0">83</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ba859282ca848dfb7825fd663fda060_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTMtMS0xLTcxNDc3NA_ac5a09a1-85e5-4b86-99a4-cca05ef7092b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dff3b7cdfad4204b885c4c1d927a206_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTQtMS0xLTcxNDc3NA_025d10e4-4eb5-429b-b636-710b128736c3">370</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9686feef3fb049b8808fc629b06087be_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTUtMS0xLTcxNDc3NA_6bd328c7-dcde-4804-a044-6727acadc5ae">312</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38606336cfe7452aa960823c4c8d2f20_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTYtMS0xLTcxNDc3NA_d286793f-7fad-41b9-b827-d60c85a6550d">12</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39ecbfa5df864b1eaf62e60fed897f01_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTctMS0xLTcxNDc3NA_422cc138-49f6-4b98-97b1-a6fef31ee652">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30b7bd03687a41808ce9c937f084836d_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTgtMS0xLTcxNDc3NA_dc83b442-e58e-4cf5-967f-b4fe9eb36dcb">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b6714b09dd54bdcb70c6851706413ad_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE2LTktMS0xLTcxNDc3NA_cedc20e1-6fa5-4892-ab1e-8fb0bd4ff322">781</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions transfer to discontinued operations </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i123503fcd5a049cda06ae2b0dba2c686_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE3LTItMS0xLTcxNDc3NA_e5609e8c-3fe6-4d4a-b455-642245b49834">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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contextRef="ifce363559d364ab38cf60d5665f0d4bd_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE3LTQtMS0xLTcxNDc3NA_bf06a82b-3ed9-4ef6-b14a-1bb1862709f6">20</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i64f383848a4541159826e91814f85df5_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE3LTUtMS0xLTcxNDc3NA_9ccda6fd-e068-4ec1-82ed-84cec85a808b">32</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i913b1de93f414a5380ea3ae506de8439_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzE3LTktMS0xLTcxNDc3NA_6ac6a1a2-744e-411d-a7ab-249f0e7cc908">76</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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contextRef="if4ce91564a854483961dd94fab51150b_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIwLTQtMS0xLTcxNDc3NA_bc1ac25a-2926-43f8-9adf-cc1a5683e6db">321</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i471582f5a366464cad711eef977789af_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIwLTUtMS0xLTcxNDc3NA_9c231a97-2e4c-433f-84aa-b9da5b14e500">71</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc1c7bdc54f64c908923bcbae39a4e58_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIwLTYtMS0xLTcxNDc3NA_cda80b2a-dd9b-4da7-a697-d2fb3eace90a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03a163326590407189a0d71cd3e6e96c_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIwLTgtMS0xLTcxNDc3NA_51265b49-9ef5-44e0-a2d6-9a925cc9bc82">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4891925e757041e6bf793143cb68c33f_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIwLTktMS0xLTcxNDc3NA_5963a494-b589-443a-8bfe-502749088759">765</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib88a3ecee1ed4c3b91934c2eeef26a04_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTItMS0xLTcxNDc3NA_58666886-599d-4f86-99ce-d9cbe2bb8fa1">42</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i124cf0f407194624a94db08b683b7ea3_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTMtMS0xLTcxNDc3NA_81b551b1-a27a-43d0-a0be-0d42ddeaf533">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i08e70f5bbb5d452bb1ad579cabdea68b_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTQtMS0xLTcxNDc3NA_8b034c49-18fa-4ecd-a6bc-02b63e1bcb08">12</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iae7c1f24ad5e42f48e77d13c56f48ae4_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTUtMS0xLTcxNDc3NA_2551a48f-5a8c-40ce-ae99-56b72c4582e8">9</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13260173a9494b869c77d82c2c6adbea_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTYtMS0xLTcxNDc3NA_58e2e1b9-efc2-4f40-b6c4-24b316b3cbdc">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4bceef1afcef44deba78b86fc101007d_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTctMS0xLTcxNDc3NA_2b7edfae-c7d0-457b-a65b-ccb7f48d746e">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie489cb7dd972432d976e78991f7b9e67_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTgtMS0xLTcxNDc3NA_d5ad1665-bc52-485a-8237-475ca2cb7090">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i342d2ad7dda742a88961f1ef4d0df01a_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIxLTktMS0xLTcxNDc3NA_8fb1aec5-3253-48f6-812c-468c17e8ea02">58</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i63dfb28758ef48a9add621f084b9f744_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTItMS0xLTcxNDc3NA_e3079eb6-45d3-4bfa-b382-bb7c073d4f01">110</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24bb73e3096743a4a2e79df3c5cd1a36_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTMtMS0xLTcxNDc3NA_ace4ecae-6348-4848-9c76-e30002febe67">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i841a4d41140d46028fdb882e1a70343d_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTQtMS0xLTcxNDc3NA_1298c8bc-3a67-4c0e-b17c-a6a9eb57edf4">294</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5c7727acf2884aa9bf8d92715cdd1962_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTUtMS0xLTcxNDc3NA_78d31e32-dc72-4df0-b69f-622c3de7682c">42</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc595248bee84aba88ccffd6f7e603c5_D20200101-20201231" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTYtMS0xLTcxNDc3NA_53b24fb3-fc01-4064-b293-6463a825537e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i447d539c945642cd8eda761d9ad9900e_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTctMS0xLTcxNDc3NA_426de37b-2a90-44dc-962a-c8d857ba0ecd">3</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6cbe3e3faf574c9aa7ffd7b096603af0_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTgtMS0xLTcxNDc3NA_ab6b858a-2711-4a46-a24f-c6a949b82528">21</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib96385a32d394a068cd85ae0f5a4cf36_D20200101-20201231" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIyLTktMS0xLTcxNDc3NA_fb15dbb4-0fcd-4570-9ee0-fad87ee99ae5">470</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTItMS0xLTcxNDc3NA_e92d6733-0c6a-408e-9a47-989a4010ebcc">833</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTMtMS0xLTcxNDc3NA_07dfdbef-cece-4c36-b463-0fdd37bdf4ff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTQtMS0xLTcxNDc3NA_b1be0d6b-be02-49c7-a905-5061e9f11660">3,859</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTUtMS0xLTcxNDc3NA_1243bd6d-5dd3-4224-a1ae-c6c4511227e4">582</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTYtMS0xLTcxNDc3NA_6e9ed32b-96f0-47d9-b630-39dfff69cfc5">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTctMS0xLTcxNDc3NA_97736e0c-af4a-4755-a0d9-17bd61fd5ab9">16</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTgtMS0xLTcxNDc3NA_b5ca366b-e809-4ae4-830c-e3ad16897ad7">54</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzIzLTktMS0xLTcxNDc3NA_b5326ea9-2cf0-4b54-9801-8ee0b688e898">5,371</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ef9730026c44f70864b196114b30da0_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTItMS0xLTcxNDc3NA_3fa5eb75-d8f4-4641-95a0-ff4a82333a03">212</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f1b67f31d4c44f9a8bdd36e6a955987_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTMtMS0xLTcxNDc3NA_925701c6-f27d-4b43-be10-82bad4dd6e8d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3c6131a3318478ba198d1dce9214643_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTQtMS0xLTcxNDc3NA_2a1eb769-e727-41a5-8838-519aaf87a689">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib523852ec8ea4319ab0f34a654422447_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTUtMS0xLTcxNDc3NA_5f7ce729-2e26-43b3-b450-90bd5e4d6942">191</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0769416b1c494cc8b9c75474282df305_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTYtMS0xLTcxNDc3NA_6fd16c70-e3f8-43a0-b4a9-334aab92d678">14</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c5da735b36b47bc8f019321a568adaa_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTctMS0xLTcxNDc3NA_8394ff28-3c96-43fa-8c5e-21d58d921e6b">26</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d83cf698d0446a09eda38622368b358_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTgtMS0xLTcxNDc3NA_ca8c7cdc-c416-4592-9e0d-fab7894b1ab0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI2LTktMS0xLTcxNDc3NA_f0f1d9df-91a9-40bf-ab4a-cb26c944be71">443</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b4f450ce74c44069967468e8761f678_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI3LTItMS0xLTcxNDc3NA_725de493-cbf7-4a3a-a6c8-8e5a903850b4">18</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ba859282ca848dfb7825fd663fda060_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI3LTMtMS0xLTcxNDc3NA_407eb2f2-9674-481e-8457-a4f06f9323ba">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dff3b7cdfad4204b885c4c1d927a206_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI3LTQtMS0xLTcxNDc3NA_a58b25f4-c7a2-427f-ba07-2be868e261f9">26</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9686feef3fb049b8808fc629b06087be_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI3LTUtMS0xLTcxNDc3NA_c96a940b-b265-4825-9482-8905be504694">68</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i38606336cfe7452aa960823c4c8d2f20_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI3LTYtMS0xLTcxNDc3NA_85ec866f-d900-406d-bfa6-3a7df677ed9e">12</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39ecbfa5df864b1eaf62e60fed897f01_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzI3LTctMS0xLTcxNDc3NA_e99017ea-3f98-4f9c-89a5-a19c9886e4b6">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30b7bd03687a41808ce9c937f084836d_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMxLTYtMS0xLTcxNDc3NA_c2afbf77-cac2-4449-b2a1-8cea1e7eafb8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4bceef1afcef44deba78b86fc101007d_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMxLTctMS0xLTcxNDc3NA_653490f6-ec62-4bc6-9dde-7b5ed3161327">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie489cb7dd972432d976e78991f7b9e67_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMxLTgtMS0xLTcxNDc3NA_2d919a5f-93a4-4dd2-87ac-d0c440672b83">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i342d2ad7dda742a88961f1ef4d0df01a_D20200101-20201231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMxLTktMS0xLTcxNDc3NA_efca19c0-93b8-421f-a9f8-c4a602574b0f">51</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i63dfb28758ef48a9add621f084b9f744_D20200101-20201231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMyLTItMS0xLTcxNDc3NA_eaa0942d-24e6-4e66-92eb-d44322f3c629">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24bb73e3096743a4a2e79df3c5cd1a36_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMyLTMtMS0xLTcxNDc3NA_21e82128-5a24-4fe8-8e7f-d6fb99e50469">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i841a4d41140d46028fdb882e1a70343d_D20200101-20201231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMyLTQtMS0xLTcxNDc3NA_434e9515-58ba-428b-9a39-6fbf92149c39">26</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c7727acf2884aa9bf8d92715cdd1962_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMyLTUtMS0xLTcxNDc3NA_e9b38490-2d6c-4ec8-9d79-88fc5aad66c7">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc595248bee84aba88ccffd6f7e603c5_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMyLTgtMS0xLTcxNDc3NA_d099e0cf-6833-4324-85b5-257559c70574">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib96385a32d394a068cd85ae0f5a4cf36_D20200101-20201231" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMyLTktMS0xLTcxNDc3NA_4e272132-a697-4e68-91ea-df593444096e">26</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTItMS0xLTcxNDc3NA_fa81308b-b08d-447d-968e-fd1b8af01c16">149</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTMtMS0xLTcxNDc3NA_35ff9312-80aa-4f55-8cba-dbcd5c2c5426">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTQtMS0xLTcxNDc3NA_ce867fee-aa24-4466-a56a-8d276365db38">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTUtMS0xLTcxNDc3NA_07a2f737-afe6-46a9-bebf-0e86e81146be">274</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTYtMS0xLTcxNDc3NA_51eb4f94-1cf7-4da1-b6f8-9f701f1248fa">26</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTctMS0xLTcxNDc3NA_dcbc45a2-d39e-4352-b101-6c81e7eeddd4">34</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTgtMS0xLTcxNDc3NA_8c2c0644-138e-41d6-9d27-92c015b0ca30">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzMzLTktMS0xLTcxNDc3NA_cf87ff5a-8c92-4bc8-9c38-fd0de8aedad6">483</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ef9730026c44f70864b196114b30da0_I20191231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTItMS0xLTcxNDc3NA_46fae4d1-42fe-4024-84d7-be9a4f9e73ca">4,536</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f1b67f31d4c44f9a8bdd36e6a955987_I20191231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTMtMS0xLTcxNDc3NA_3511da3f-10c9-47bc-aba3-60942f9ad2c3">56</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3c6131a3318478ba198d1dce9214643_I20191231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTQtMS0xLTcxNDc3NA_43c8d4d5-f809-4fb5-a94a-bc63d42c2119">2,007</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib523852ec8ea4319ab0f34a654422447_I20191231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTUtMS0xLTcxNDc3NA_ece9c89f-e18e-4d4d-9a10-7a52eaf3c1a3">2,955</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0769416b1c494cc8b9c75474282df305_I20191231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTYtMS0xLTcxNDc3NA_fa96c1bd-65e3-4363-b7eb-24dc3c7a12d1">76</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c5da735b36b47bc8f019321a568adaa_I20191231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTctMS0xLTcxNDc3NA_63681f1b-e735-46c9-bb67-a5b98777800d">175</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d83cf698d0446a09eda38622368b358_I20191231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTgtMS0xLTcxNDc3NA_e0f45ade-9b02-4d2d-a492-ef00f958c053">263</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM2LTktMS0xLTcxNDc3NA_36a992eb-44cc-4494-96d5-28ceb7550073">10,068</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia35f318fa396449c935c231a5ee7fec8_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTItMS0xLTcxNDc3NA_cd882436-e06c-4d0b-a1eb-cb8d80285c43">3,398</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24b442baf8854e60b3bba0a41a8fe3ae_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTMtMS0xLTcxNDc3NA_2ead645e-2c09-4e1f-b106-99d94eba5ac5">52</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i692252e1cb72476fa714f6191b234376_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTQtMS0xLTcxNDc3NA_32a2a34f-3ea0-4546-8d09-276c56f16878">1,656</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e5ffe2477034268894fcc3811cef94b_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTUtMS0xLTcxNDc3NA_daf5d69d-5e31-48f3-aa47-edf9bea54215">2,205</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfebb4348fbc487a88c9b3519f17986d_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTYtMS0xLTcxNDc3NA_29f3d66e-190a-4fc2-ac0c-096515b6a3cc">70</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59d1d10f8798432884c7d5ec4b601f11_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTctMS0xLTcxNDc3NA_4f7b2afc-de3a-4cb2-a076-0e34a8f4c802">151</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i923a4d78aacb4559a470e69a6c5ac422_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTgtMS0xLTcxNDc3NA_f6fd218d-c8ce-4575-9b81-1f3555eee00b">291</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTo0OTYxNGIwNTk4YzY0OWEwODFiMzkyYzBmOTcxYTAwZi90YWJsZXJhbmdlOjQ5NjE0YjA1OThjNjQ5YTA4MWIzOTJjMGY5NzFhMDBmXzM3LTktMS0xLTcxNDc3NA_b60888d7-7d33-4d71-9f6a-9fca0faf7f65">7,823</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzU3MTc0NjA0NjU3NzYy_1b84b549-9c43-41f6-92ee-1dd4dadb389d" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Amount is mainly due to the companies in the United States included in the USA Sale (see Notes 3 and 21)</ix:footnote>.</span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The right to use asset consists mainly of the rental of commercial real estate premises for central services and the network branches located in the countries where the Group operates whose average term is between 5 and 20 years. The clauses included in rental contracts correspond to a large extent to rental contracts under normal market conditions in the country where the property is rented.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the cost of fully amortized tangible assets that remained in use were &#8364;2,443, &#8364;2,318 and &#8364;2,299 million respectively while its recoverable residual value was not significant.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzEwMjY_2939570f-353a-479d-9e43-726b26e9191d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table shows the detail of the net carrying amount of the tangible assets corresponding to Spanish and foreign subsidiaries as of December 31, 2022, 2021 and 2020:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.306%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tangible assets by Spanish and foreign subsidiaries. Net assets values (Millions of euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021 &#8317;&#178;&#8318;</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA and Spanish subsidiaries</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TangibleAssetsBBVAAndSpanishSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzItMS0xLTEtNzE0Nzc0_69c7554e-e015-4247-be99-d78066fefd26">4,285</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TangibleAssetsBBVAAndSpanishSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzItMi0xLTEtNzE0Nzc0_f8bf9fe1-940e-4181-b875-407cdc79a6aa">3,873</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TangibleAssetsBBVAAndSpanishSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzItMy0xLTEtNzE0Nzc0_fcc5be31-b399-43db-9a56-b5b9cb2ecaad">4,294</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign subsidiaries</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TangibleAssetsForeignSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzMtMS0xLTEtNzE0Nzc0_dfa1392f-4662-4762-bf43-645f57676188">4,452</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TangibleAssetsForeignSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzMtMi0xLTEtNzE0Nzc0_f6ee7d36-4a93-466d-bbf3-9873ebbac33e">3,425</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TangibleAssetsForeignSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzMtMy0xLTEtNzE0Nzc0_4fa1979a-f7b3-42df-9d33-96ba5a6524ac">3,529</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalTangibleAssetsBySpanishAndForeignSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzQtMS0xLTEtNzE0Nzc0_4a043bb8-d740-4c81-b526-0fcab5d7f54c">8,737</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalTangibleAssetsBySpanishAndForeignSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzQtMi0xLTEtNzE0Nzc0_4a1f1ad0-0cd8-41ed-bdab-c6d14abcdb42">7,298</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalTangibleAssetsBySpanishAndForeignSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90YWJsZTowYjAyOWEzOTU3NWY0OTJhYWE4YzgzMzc5YzJjZDgwMi90YWJsZXJhbmdlOjBiMDI5YTM5NTc1ZjQ5MmFhYThjODMzNzljMmNkODAyXzQtMy0xLTEtNzE0Nzc0_81ff9fe9-be45-447b-ba1e-1549035984f0">7,823</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzU3MTc0NjA0NjYxODc1_5e9aaa88-1a36-4eb1-b78c-abd7b37ca593" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation in 2022 corresponds mainly to the closing of the transaction with Merlin Properties in which 100% of the shares of Tree Inversiones Inmobiliarias, SOCIMI, S.A. were acquired by BBVA Group..</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MjkvZnJhZzo3OTU4OWFiNjRmNTY0NjRkOTYxYjczNTUyM2MyNzE0Yy90ZXh0cmVnaW9uOjc5NTg5YWI2NGY1NjQ2NGQ5NjFiNzM1NTIzYzI3MTRjXzU3MTc0NjA0NjYxODc2_de339939-ef13-484b-9a3e-a7f3cc72d629" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) The variation in 2021 is mainly due to the reclassification of owned offices and facilities from "Tangible assets" to "Non-current assets and disposal groups classified as held for sale" (see Notes 21, 24 and 50).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-125</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i69196a1a9047487ebec87ddc3751a10d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Purchase of Tree </span><span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%">Inversiones Inmobiliarias</span><span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> SOCIMI, S.A. (Tree) to Merlin Properties SOCIMI, S.A. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On June 15, 2022, BBVA acquired from Merlin Properties SOCIMI, S.A. the shares representing the entire share capital of Tree </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Inversiones Inmobiliarias</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> SOCIMI, S.A. (hereinafter &#8220;Tree&#8221;) for an amount of &#8364;1,988 million. This company has 662 properties leased to BBVA that were part of the set of properties that BBVA sold between 2009 and 2010 under a sale and leaseback agreement. Prior to that date, these properties were registered as "Rights of use" in the consolidated balance sheet of the BBVA Group under the headings "Tangible assets - Property, plant and equipment" and "Tangible assets - Investment property", while the payment obligation was reflected under the heading "Financial liabilities at amortized cost &#8211; Other financial liabilities", in accordance with IFRS 16 Leases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Tree purchase transaction has been considered an asset purchase given that the Group has determined that it is not acquiring a set of activities that present elements that could constitute a business. After the closing of this transaction, the BBVA Group has once again become owner of the properties and recorded them at their acquisition price in the Group's consolidated financial statements as of June 30, 2022. The assets acquired that are not used for the Bank's activity are recorded under the heading "Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale" (see Note 21). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The impact of the transaction amounted to &#8364;-201 million (losses net of taxes) which have been registered under the headings "Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; for an amount of &#8364;-134 million and &#8220;Tax expense or income related to profit or loss from continuing operations&#8221; for an amount of &#8364;-67 million in the consolidated income statement of the BBVA Group.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_832"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">18.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfIntangibleAssetsExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzIvZnJhZzoxZTIwMmUyMWY4MzU0YWQ5OGZlZjYxZjNkZjZiMjk1OS90ZXh0cmVnaW9uOjFlMjAyZTIxZjgzNTRhZDk4ZmVmNjFmM2RmNmIyOTU5XzU_e4a25265-5c89-4682-9871-b95782c3517f" continuedAt="i97ace73f46ff47449a51bbb5fd159282" escape="true">Intangible assets</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_835"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">18.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i97ace73f46ff47449a51bbb5fd159282" continuedAt="ia961e85f20bd43d1b07a5f4fc433b223">Goodwill</ix:continuation></span></div><ix:continuation id="ia961e85f20bd43d1b07a5f4fc433b223" continuedAt="i5318db5685e249b6ad971bdae78c2775"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ReconciliationOfChangesInGoodwillTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90ZXh0cmVnaW9uOmQ2MzUzMGYzMTc1ZTRhYjg4NGVhYzI3OGM4YzkxNjkzXzEyNg_ee244d30-3cf8-410b-a999-2f48932d24ae" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets, according to the CGU to which goodwill has been allocated, is as follows: </span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.918%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Goodwill. Breakdown by CGU and changes of the year (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">The United States </span><span style="color:#002146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span><span style="color:#002146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Chile</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as of December 31, 2019</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i906074541b95425eb1911b8821e1d555_I20191231" decimals="-6" name="ifrs-full:Goodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtMS0xLTEtNzE0Nzc0_4ec685df-7b1b-4033-b1e0-1b77ae34cbe8">3,846</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if06dd3ac9bdf4a829f79c8cb8617275e_I20191231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtMi0xLTEtNzE0Nzc0_d08b132a-fe9f-47ce-9b6b-6f14cc2ad2ab">550</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55e94e9dccd4486a9ebf053779118164_I20191231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtMy0xLTEtNzE0Nzc0_a3084dae-adcf-4dff-950c-4c86a48420bc">346</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66f6976f3807452cbb59c2b04602cf37_I20191231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtNC0xLTEtNzE0Nzc0_76e458b3-b043-4700-ab9f-121b0d9ab804">164</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f16317751ea4080a2b601d09a7b9a49_I20191231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtNS0xLTEtNzE0Nzc0_3d558af8-64f3-431c-872e-e2b650c5473c">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if1ae5eed9b5b49c6a67a7065041e1a18_I20191231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtNi0xLTEtNzE0Nzc0_cb99e214-b033-4c78-8919-7fa5a8cac392">22</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="ifrs-full:Goodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzMtNy0xLTEtNzE0Nzc0_258d9299-26c1-4722-8544-d36061628f1d">4,955</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i632913ab80654a26a2456a7598275100_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtMS0xLTEtNzE0Nzc0_2acab45c-6d23-49bd-8866-d0275325b662">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02876c7feb9c4946a42bd7bb2c31e0b6_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtMi0xLTEtNzE0Nzc0_f9f3f9b2-8aef-4e46-b4f5-9640fbcbf7fd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idfd34513e0654691a3b6860b9111903d_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtMy0xLTEtNzE0Nzc0_261da10a-95ee-4988-b31b-04f543c6db5e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife09fa3ee2e34e528c6c2c35691cedbe_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtNC0xLTEtNzE0Nzc0_c25af52a-47ab-4483-83c7-c93007337562">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5337bdd0da04b5fa30160c397d71866_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtNS0xLTEtNzE0Nzc0_8dad7e6c-54ac-4595-9366-68ee611ef0a8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i064acdce3f9544d7a1aa391ddbbdfe25_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtNi0xLTEtNzE0Nzc0_f6da1732-51a1-4965-9c30-77dcc1a39b9e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzQtNy0xLTEtNzE0Nzc0_8e640802-f6ac-48ba-a13e-ccc0081e1605">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange difference</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i632913ab80654a26a2456a7598275100_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzUtMS0xLTEtNzE0Nzc0_b214362a-f0d4-4d83-8740-f2cbd4f701ca">22</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i02876c7feb9c4946a42bd7bb2c31e0b6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzUtMi0xLTEtNzE0Nzc0_97107786-9276-4f8e-ab2d-8481a8b32223">72</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idfd34513e0654691a3b6860b9111903d_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzUtMy0xLTEtNzE0Nzc0_04ffa6aa-1ec3-43e4-85b9-cf31a8a16677">92</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ife09fa3ee2e34e528c6c2c35691cedbe_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzUtNi0xLTEtNzE0Nzc0_b3fba38e-2bc7-4078-9098-7063dacb8bbc">1</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzYtNi0xLTEtNzE0Nzc0_4128dd38-251c-42fb-8409-096c0ad05fdf">13</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzYtNy0xLTEtNzE0Nzc0_1bc0c726-d816-44e8-885d-b1b93cad8ce3">2,097</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies held for sale</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i632913ab80654a26a2456a7598275100_D20200101-20201231" decimals="-6" sign="-" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctMS0xLTEtMTE4ODMwOQ_525407a1-cd5e-4d53-9ffb-c7d0d2d718ac">1,740</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02876c7feb9c4946a42bd7bb2c31e0b6_D20200101-20201231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNS0xLTEtMTE4ODMwOQ_43e0283a-8ddb-499b-b1a7-2f5b5c8a5892">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i064acdce3f9544d7a1aa391ddbbdfe25_D20200101-20201231" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNi0xLTEtMTE4ODMwOQ_202f2fb7-02a1-41e5-91af-bf56cbca2f5c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNy0xLTEtMTE4ODMwOQ_f4d19871-ec89-47b6-b68d-0bad377b2b50">1,740</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i632913ab80654a26a2456a7598275100_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctMS0xLTEtNzE0Nzc0_30dc66a0-2675-40c5-9540-ae5272135154">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02876c7feb9c4946a42bd7bb2c31e0b6_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctMi0xLTEtNzE0Nzc0_cba96168-5e44-48ce-985f-33a0922ae2ad">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idfd34513e0654691a3b6860b9111903d_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctMy0xLTEtNzE0Nzc0_78caef81-773c-4cd6-a015-51952788daf1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife09fa3ee2e34e528c6c2c35691cedbe_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNC0xLTEtNzE0Nzc0_3a6fb289-a451-4b8f-886a-a97dd6b096a0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5337bdd0da04b5fa30160c397d71866_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNS0xLTEtNzE0Nzc0_9ae702be-0555-4f05-a00c-fa571ce6b1ee">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i064acdce3f9544d7a1aa391ddbbdfe25_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNi0xLTEtNzE0Nzc0_c485cc66-3d90-4032-a7aa-b4e9514d09d9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzctNy0xLTEtNzE0Nzc0_5aa1a5bd-7ed8-4cb5-9541-6a65ad9bfb05">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as of December 31, 2020</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39d80dae630a4a8db66f3db4cb3b42b1_I20201231" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtMS0xLTEtNzE0Nzc0_2d066ee5-bcb9-48bf-a747-64f7dd7ab127">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib033a326df044e7c8bf2ebcc14a9a1f6_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtMi0xLTEtNzE0Nzc0_1b68dae4-293d-4800-9831-be69c24a0a64">478</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0340449e05749dd810444bf029ba2f3_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtMy0xLTEtNzE0Nzc0_7e7705aa-e11b-4f44-af25-221a71c79823">254</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e7934c8285f4a0c90c1a659cac1b198_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtNC0xLTEtNzE0Nzc0_18eb77f1-711b-4a65-af57-0901fd5f562c">143</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb1996686ff448179c81b13ea9e13f47_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtNS0xLTEtNzE0Nzc0_e8414915-4ee9-4e8d-8889-7a28d032e9d1">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i783e82e879494f27ba80cb1816638db2_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtNi0xLTEtNzE0Nzc0_87931ddf-35f7-49f8-b28d-29876d876661">8</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzgtNy0xLTEtNzE0Nzc0_756f40c5-de54-468f-b9ce-93b2a7e7294c">910</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a6a772740684d779c1b1babaa21cb25_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktMS0xLTEtNzE0Nzc0_ec791e2e-bb05-4d50-82f5-531740f0c234">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie32febd29dfb438a916cb72791abb641_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktMi0xLTEtNzE0Nzc0_24c90e80-469f-4c74-b388-0856f5d93fd2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia42b48c0cad94572b941cff4f1c28a21_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktMy0xLTEtNzE0Nzc0_77ec4a50-4d3f-46ae-aec6-284e085a6799">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77c2c9d446ab48b8a3e3e77df7c94ca7_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktNC0xLTEtNzE0Nzc0_bf9a3574-accc-4a0c-94c5-2a109826fc04">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8143f00260549beba0b12c5b3de6d07_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktNS0xLTEtNzE0Nzc0_7577ac60-ddf6-44b2-86fb-ca6a9bb367cf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5fe9e1fabc8456c80e313fce7d49f92_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktNi0xLTEtNzE0Nzc0_8b3c77f2-28ad-4e05-9ecf-b278d143c26d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzktNy0xLTEtNzE0Nzc0_4796c617-aafd-47cb-87c7-1354d8208f75">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange difference</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a6a772740684d779c1b1babaa21cb25_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEwLTEtMS0xLTcxNDc3NA_4842f101-10f8-4b4b-b495-c9cd3d07eb37">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie32febd29dfb438a916cb72791abb641_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEwLTItMS0xLTcxNDc3NA_ee9186aa-dd31-46c5-aff7-646d39486577">26</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia42b48c0cad94572b941cff4f1c28a21_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEwLTMtMS0xLTcxNDc3NA_e3b97b56-6eac-4811-b59d-f73d9f865fcd">102</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i77c2c9d446ab48b8a3e3e77df7c94ca7_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEwLTQtMS0xLTcxNDc3NA_898f5179-cfac-4fde-9ba0-d745aa6b1c2c">9</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib8143f00260549beba0b12c5b3de6d07_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzExLTYtMS0xLTcxNDc3NA_2250114b-1c20-48ae-96d1-04061788a42f">4</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzExLTctMS0xLTcxNDc3NA_6276f7d6-9bdb-456d-b612-99a8ff403cdd">4</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies held for sale</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTEtMS0xLTcxNDc3NA_be36ab18-db6f-4f28-b984-2b7bb0d4dffe">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie32febd29dfb438a916cb72791abb641_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTItMS0xLTcxNDc3NA_5c65d237-0cb8-450f-86fb-a4454d022580">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia42b48c0cad94572b941cff4f1c28a21_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTMtMS0xLTcxNDc3NA_5a1b1f4c-5281-4fbb-bea0-0553b90cfe91">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77c2c9d446ab48b8a3e3e77df7c94ca7_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTQtMS0xLTcxNDc3NA_3dfd3ef3-5766-4d78-bfa4-8b4f5728a481">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8143f00260549beba0b12c5b3de6d07_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTUtMS0xLTcxNDc3NA_c196c804-700c-4756-a0c3-4030c8dd2833">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5fe9e1fabc8456c80e313fce7d49f92_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTYtMS0xLTcxNDc3NA_e7dba3b0-8a49-4ad6-b75e-592156aa442d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzEzLTctMS0xLTcxNDc3NA_2ba134a9-24ef-4223-b8c0-7f502babd3f7">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as of December 31, 2021</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1ac70e2328d4a04994cb2f05cae9555_I20211231" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTEtMS0xLTcxNDc3NA_971baf76-e288-4619-93b5-9f84c5aaf63d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8342875103b461494c8287accc662b0_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTItMS0xLTcxNDc3NA_9a97e112-8057-4dca-b2a9-7d6965e4e28a">504</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ided55335efed4deab0aa3a2d6f7f4002_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTMtMS0xLTcxNDc3NA_5a4938a6-ffab-4b59-83cd-97cbe1d19a26">152</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a7dd30b1de44f1bbe4626f05b1a9a21_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTQtMS0xLTcxNDc3NA_10985e5d-67b3-442b-a3c8-caf1c906ee80">134</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaed25d88f3b14a5c8467580dd5cd12d2_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTUtMS0xLTcxNDc3NA_c6a9835b-c8e8-47cb-9610-b66485f0825a">24</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31dc55cd352d4807a8eb1d4df9a31a8b_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTYtMS0xLTcxNDc3NA_32215363-f724-49ce-a5f5-3c2e2e9b30a7">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE0LTctMS0xLTcxNDc3NA_140fe859-7690-47c6-b68f-dfe8f8ecc2e8">818</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3192173bb0ec4633bbb4e05bc967afb4_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE1LTEtMS0xLTcxNDc3NA_6ea1a510-b226-46e0-9d62-47720ff7ee3c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2987f198e30242ad9b4d27f019fdb430_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE1LTItMS0xLTcxNDc3NA_c1f322fd-de47-45ec-9f64-cdec10c6efec">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8a506ad4db5642648108ab4df3df2780_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE1LTMtMS0xLTcxNDc3NA_038ad255-170e-4c87-a58d-884245522ae9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab0b8f2b6e944a2c987188f0948897c2_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE1LTUtMS0xLTcxNDc3NA_ff12cab2-7ee8-4e26-9cce-ece09edcd35a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47048e05e8704c18be8992ab5dad2bc2_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE1LTYtMS0xLTcxNDc3NA_b72a674c-a1e7-4039-bf06-a3ec610d012b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE1LTctMS0xLTcxNDc3NA_c13ae910-7daa-4878-a113-3fe7d8298080">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange difference</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3192173bb0ec4633bbb4e05bc967afb4_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE2LTEtMS0xLTcxNDc3NA_2e864a2f-b7f8-4da5-a771-9b9fdcb02c53">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2987f198e30242ad9b4d27f019fdb430_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE2LTItMS0xLTcxNDc3NA_82b2048d-8953-403d-9252-150b39fc04d2">55</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8a506ad4db5642648108ab4df3df2780_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE2LTUtMS0xLTcxNDc3NA_97d1fba5-f5c1-4a6a-92c3-ebdab6539b32">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47048e05e8704c18be8992ab5dad2bc2_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE2LTYtMS0xLTcxNDc3NA_23424c93-aa7f-4d4c-886d-8270e513e033">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE2LTctMS0xLTcxNDc3NA_f7ebd702-bb6f-4017-beca-8714aff421ea">41</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3192173bb0ec4633bbb4e05bc967afb4_D20220101-20221231" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE5LTQtMS0xLTcxNDc3NA_ec823e5a-daed-43dd-b806-2ef9e6710bb5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35ab29c2ece14928b8fbf05ec8a6c7fe_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE5LTUtMS0xLTcxNDc3NA_e21ea5ac-b1c6-4d6a-9973-d9e3fd5c2d28">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47048e05e8704c18be8992ab5dad2bc2_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE5LTYtMS0xLTcxNDc3NA_d2bd73b2-e619-453f-8cba-bd22470cd2a7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzE5LTctMS0xLTcxNDc3NA_cfc83f00-b32e-4720-9941-4ceb29f655da">152</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as of December 31, 2022</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67820bbb059e4a1199b629a7ee08393c_I20221231" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTEtMS0xLTcxNDc3NA_e19ff725-2e97-4617-9963-46f545e618eb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifb9efca1236f4186bbf29d0eb22808aa_I20221231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTItMS0xLTcxNDc3NA_84dc2e94-0b57-49d9-8889-ff26c9829208">559</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f03a6b1d56549d3936fa47c50ac727a_I20221231" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTMtMS0xLTcxNDc3NA_688d60b1-bc70-4e9d-a11a-cabe9f9c24ff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i022ac3e5f93d4baf8168b68b57888532_I20221231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTQtMS0xLTcxNDc3NA_502316b2-b64b-4949-ab33-89de51ccf101">118</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8c85c4dfa764d76b00765b69b225497_I20221231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTUtMS0xLTcxNDc3NA_386d8ce1-02fb-43c5-a036-2d03000b8e78">25</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8d499c96ffd496f91c0cbbe495818a9_I20221231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTYtMS0xLTcxNDc3NA_13519637-df80-4539-a633-582134758bb8">5</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90YWJsZTowZDM3ZTYwZGQxYjI0ZTk3YjcwOTVhNzI2N2IxNDhhNC90YWJsZXJhbmdlOjBkMzdlNjBkZDFiMjRlOTdiNzA5NWE3MjY3YjE0OGE0XzIwLTctMS0xLTcxNDc3NA_bff3c375-9941-4dbe-9cf6-a18c0cb5d3c5">707</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90ZXh0cmVnaW9uOmQ2MzUzMGYzMTc1ZTRhYjg4NGVhYzI3OGM4YzkxNjkzXzU3NzI0MzYwNDYxOTY4_e34f812c-b3b3-4af1-ae49-78dc39e8412e" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Since the USA sale agreement, the United States is no longer considered a CGU (see Note 3).</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzUvZnJhZzpkNjM1MzBmMzE3NWU0YWI4ODRlYWMyNzhjOGM5MTY5My90ZXh0cmVnaW9uOmQ2MzUzMGYzMTc1ZTRhYjg4NGVhYzI3OGM4YzkxNjkzXzU3NzI0MzYwNDYxOTY5_18c2f5aa-98a9-4a26-97f6-abb00122b539" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) </span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As a result of the application of IAS 29, as indicated in Note 2.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2.19</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:120%">, the book value of the Turkish CGU </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">exceed</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ed the existing recoverable value</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> as of December 31, 2021</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:120%">, and as a consequence the goodwill</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> as well as other intangible assets (see Note 18.2) assigned to the Turkish CGU were derecognized.</span></ix:footnote></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Goodwill in business combinations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">There were no significant business combinations during 2022, 2021 and 2020.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_838"></div><ix:continuation id="i5318db5685e249b6ad971bdae78c2775" continuedAt="i21d5f99ce79f4926be249d232090c60c"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Impairment Test</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As mentioned in Note 2.2.7, the CGU to which goodwill has been allocated, are periodically tested for impairment by including the allocated goodwill in their carrying amount. This analysis is performed at least annually and whenever there is any indication of impairment. Furthermore, it is analyzed whether certain changes in the valuation assumptions used could give rise to differences in the result of the impairment test.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group performs estimations on the recoverable amount of certain CGU by calculating the value in use through the discounted value of future cash flows method.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-126</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i21d5f99ce79f4926be249d232090c60c" continuedAt="id725e1c096284ba4bb83de8a275113f2"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main hypotheses used for the value in use calculation are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The forecast cash flows, including net interest margin and cost of risk, estimated by the Group's management, and based on the latest available budgets for the next 4 to 5 years, considering the macroeconomic variables of each CGU, regarding the existing balance structure as well as macroeconomic variables such as the evolution of interest rates and the CPI of the geography where the CGU is located, among others. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The constant growth rate for extrapolating cash flows, starting in the fourth or fifth year, beyond the period covered by the budgets or forecasts.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The discount rate on future cash flows, which coincides with the cost of capital assigned to each CGU, and which consists of a risk-free rate plus a premium that reflects the inherent risk of each of the businesses evaluated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The focus used by the Group's management to determine the values of the assumptions is based both on its projections and past experience. These values are verified and use external sources of information, wherever possible. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Goodwill - Mexico CGU</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90ZXh0cmVnaW9uOjYwNzQzMWEzMTU1MzQzYTU4MDAyZDJmMWM4M2MxNTVhXzU3MTc0NjA0NjQ3NjYz_6dd9b097-7f6c-42b8-b174-c7a790bd1b8a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group&#8217;s most significant 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style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90ZXh0cmVnaW9uOjYwNzQzMWEzMTU1MzQzYTU4MDAyZDJmMWM4M2MxNTVhXzU3NzI0MzYwNDYxMDYz_673f04a1-1962-4579-9e33-975352694505" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) After tax discount rates.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with paragraph 33.c of IAS 36, as of December 31, 2022, the Group used a growth rate of <ix:nonFraction unitRef="number" contextRef="i349cdfd92fc9463f9e8d58e9c3f7559d_I20221231" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90ZXh0cmVnaW9uOjYwNzQzMWEzMTU1MzQzYTU4MDAyZDJmMWM4M2MxNTVhXzMyOTg1MzQ4ODU1NTg_5e878d65-ff5d-4dc0-89a1-c049685cc72e">6.3</ix:nonFraction>% based on the real GDP growth rate of Mexico, the expected inflation rate and the potential growth of the banking sector in Mexico. </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90ZXh0cmVnaW9uOjYwNzQzMWEzMTU1MzQzYTU4MDAyZDJmMWM4M2MxNTVhXzU3MTc0NjA0NjQ3NjY0_d1b35050-e931-4804-a312-f4f5533d2af6" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assumptions with a greater relative weight and whose volatility could have a greater impact in determining the present value of the cash flows starting on the fourth year are the discount rate and the growth rate. The table below shows, in a simplified way, the relative variation by which the CGU recoverable amount would increase (or decrease) as a result of a reasonable variation (in basis points) of each of the key assumptions, considered in isolation as of December 31, 2022, where, in each case, their value in use would continue to exceed their book value</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:66.850%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.924%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.926%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Sensitivity analysis for main assumptions - Mexico</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Increase of 50 basis points </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Decrease of 50 basis points</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i63af144c204e4235b4998a2bc1f65700_I20221231" decimals="2" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90YWJsZTpjZjg0ZTg2N2VhZGM0YmRhOGY0YTE3ZWRjNjQxMzFkZi90YWJsZXJhbmdlOmNmODRlODY3ZWFkYzRiZGE4ZjRhMTdlZGM2NDEzMWRmXzItMS0xLTEtMTI0MDY5Mw_fcf0b076-055f-4551-8e3c-86573475a52c">7</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%)</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i727854e6c4734ea594e708eaef3e8b67_I20221231" decimals="2" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90YWJsZTpjZjg0ZTg2N2VhZGM0YmRhOGY0YTE3ZWRjNjQxMzFkZi90YWJsZXJhbmdlOmNmODRlODY3ZWFkYzRiZGE4ZjRhMTdlZGM2NDEzMWRmXzItMi0xLTEtMTI0MDY5Mw_677b6153-1349-41c0-84ce-1a7c4345fa3e">8</ix:nonFraction>&#160;</span></td><td style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="2" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i63af144c204e4235b4998a2bc1f65700_I20221231" decimals="2" name="bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90YWJsZTpjZjg0ZTg2N2VhZGM0YmRhOGY0YTE3ZWRjNjQxMzFkZi90YWJsZXJhbmdlOmNmODRlODY3ZWFkYzRiZGE4ZjRhMTdlZGM2NDEzMWRmXzMtMS0xLTEtMTI0MDY5Mw_b7f185db-3253-4e82-8e66-0898bfe2eb62">5</ix:nonFraction>&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="i727854e6c4734ea594e708eaef3e8b67_I20221231" decimals="2" sign="-" name="bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90YWJsZTpjZjg0ZTg2N2VhZGM0YmRhOGY0YTE3ZWRjNjQxMzFkZi90YWJsZXJhbmdlOmNmODRlODY3ZWFkYzRiZGE4ZjRhMTdlZGM2NDEzMWRmXzMtMi0xLTEtMTI0MDY5Mw_8ce47b8f-58d5-4095-a75a-ad424f41d4bd">5</ix:nonFraction>&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%)</span></td></tr></table></div><div style="padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84MzgvZnJhZzo2MDc0MzFhMzE1NTM0M2E1ODAwMmQyZjFjODNjMTU1YS90ZXh0cmVnaW9uOjYwNzQzMWEzMTU1MzQzYTU4MDAyZDJmMWM4M2MxNTVhXzU3NzI0MzYwNDYxNTUw_269d76a3-c343-4ebd-a90b-1894c2eeb8c8" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The use of very different discount or growth rates would be inconsistent with the macroeconomic assumptions under which the Unit builds its business plan, such as inflation assumptions or interest rate curves used to determine cash flows.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Goodwill - Turkey CGU</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">As a result of the application of IAS 29 in 2022, as indicated in Note 2.2.19, the book value of the Turkish CGU exceeded the existing recoverable value as of December 31, 2021 and as a consequence the goodwill as well as other intangible assets (see Note 18.2) assigned to the Turkish CGU were derecognized.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main significant assumptions used in the impairment test of this CGU as of December 31, 2021 were a discount rate (after tax) of 27.0% and a growth rate of 7.0% (21.0% and 7.0% respectively as of December 31, 2020). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Goodwill - The United States CGU</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Since the USA sale in 2021, the United States is no longer considered a CGU (see Note 3).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">As of March 31, 2020, the Group identified an indicator of impairment of goodwill in the United States CGU and as a result of the goodwill impairment test, the Group estimated impairment in the United States CGU of &#8364;2,084 million, which was mainly due to the negative impact of the update of the macroeconomic scenario following the COVID-19 pandemic and the expected evolution of interest rates. This recognition did not affect the tangible book value or the liquidity nor the solvency ratio of the BBVA Group.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The main significant assumptions used in the impairment test of this CGU as of March 31, 2020 were a discount rate (after tax) of 10.3% and a growth rate of 3.0%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Goodwill - Other CGUs</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The impairment tests carried out on the rest of the CGUs have not detected significant impairment. Likewise, the sensitivity analysis on the main assumptions carried out for the rest of the CGU of the Group indicate that their value in use would continue to exceed their book value.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-127</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_841"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">18.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="id725e1c096284ba4bb83de8a275113f2" continuedAt="id5a4b926556f4dc6bf71f23594cb43fe">Other intangible assets </ix:continuation></span></div><ix:continuation id="id5a4b926556f4dc6bf71f23594cb43fe"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:OtherIntangibleAssetsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90ZXh0cmVnaW9uOjY3ZTVjNDY1YzE4MzRhZDY4MDM0ZTM2OTUxZWE0NzliXzE2MA_720b4a59-ac81-47f6-be03-0308708e1fc5" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance and changes of this heading in the consolidated balance sheets, according to the nature of the related items, is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;border-left:0.25pt solid #ffffff;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other intangible assets (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Computer software acquisition expense</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e0eb79ded1b4b6688e40380a269d8f6_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzItMi0xLTEtNzE0Nzc0_1fb03887-c956-493a-9473-8789367655aa">1,393</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48f9c4dd2c654eb18d027386deab04f1_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzItMy0xLTEtNzE0Nzc0_47afe812-eaa4-4ce5-83bf-35768ff094e4">1,239</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e1b92a8c99f4ed98b72e8a944b97ed6_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzItNC0xLTEtNzE0Nzc0_52a08195-8614-4ed8-84e4-17dbcce1dcaa">1,202</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other intangible assets with an infinite useful life</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98238fc33f1c4a079a926f0f16a65de1_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzMtMi0xLTEtNzE0Nzc0_5ab4dfa7-5a3d-4718-bd4c-d4464e5c668f">13</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a6ca8a33c0243eaaeb5918326139cf3_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzMtMy0xLTEtNzE0Nzc0_9b0c10fe-2f03-4895-b0fa-81685b5eda99">12</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i069884ff18714d488e002b2335788a5c_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzMtNC0xLTEtNzE0Nzc0_ebf26c2f-226d-475e-9b07-56c22113183a">12</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other intangible assets with a definite useful life</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i95cbed34b80544358cba1d746cddf806_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzQtMi0xLTEtNzE0Nzc0_117b36a1-8dd9-4816-86e1-fc5a7b994027">43</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i88b33e5cc8b6404a889bb5704d5822b7_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzQtMy0xLTEtNzE0Nzc0_3948a98d-ef46-4417-902d-0faf1ae6abe4">128</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3fb8848091f94a48a2974d163a642996_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzQtNC0xLTEtNzE0Nzc0_2331c220-064d-4fbc-b020-8e8fe6601ad6">221</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzYtMi0xLTEtNzE0Nzc0_ec73bf6b-3d80-454b-bf67-da90c63349ff">1,449</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzYtMy0xLTEtNzE0Nzc0_22c5fc97-c364-4af9-99a0-36600bf7bef4">1,379</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTphNmViYmU2ZGViZmE0Y2Y3OGVhOTRkZTNjYjEwNzFiYy90YWJsZXJhbmdlOmE2ZWJiZTZkZWJmYTRjZjc4ZWE5NGRlM2NiMTA3MWJjXzYtNC0xLTEtNzE0Nzc0_7b0758ca-fd7a-4586-b246-078c6d375485">1,435</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ChangesInOtherIntangibleAssetsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90ZXh0cmVnaW9uOjY3ZTVjNDY1YzE4MzRhZDY4MDM0ZTM2OTUxZWE0NzliXzE2MQ_b11f1482-6817-4263-b392-c7841788cc0d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes of this heading during the years ended December 31, 2022, 2021 and 2020, are as follows:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.248%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other intangible assets (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Computer software</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other intangible </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">assets</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total of intangible assets</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73d1ef03499e445b962d19b0ccf00c58_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtMi0xLTEtNzE0Nzc0_2f3f3a3f-3abf-421a-a70f-fca4370e9f88">1,239</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife1bbb6b97e643d4b049be3514448159_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtMy0xLTEtNzE0Nzc0_f1a154e5-86ad-4c96-ae76-8fbec9264121">1,202</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i155ab94ad095472c81964e57e5fd6b0e_I20191231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtNC0xLTEtNzE0Nzc0_a0214cec-5851-45f8-81f6-167b9cc145d2">1,598</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6c6f082959c4736b90d6fb1654a144c_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtNS0xLTEtNzE0Nzc0_d3866005-5d32-4dba-9279-0e9c7472f7d9">140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d827680d8224bd4b7d0521d94ee6314_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtNi0xLTEtNzE0Nzc0_946b68c4-bee0-48d2-9309-958ee4955b1b">233</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86ef9394d60e4e30b2a98ae81dfa30db_I20191231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtNy0xLTEtNzE0Nzc0_8dab1ece-b69c-4036-9e0d-d2486e0389d7">412</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56ef741808c74423a002040897eb2746_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtOC0xLTEtNzE0Nzc0_3a7fe2fb-90e2-49ad-b3bb-770ca7c0fd61">1,379</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4883cfb91ae148f29bdfdc4f3ca6e336_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtOS0xLTEtNzE0Nzc0_dab03552-2b9f-47d1-ac5a-e5fdda5851e1">1,435</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2752458be56f4774a83eb285b2051bb0_I20191231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzMtMTAtMS0xLTcxNDc3NA_1548ca55-e222-4766-97c3-80049f10425d">2,010</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b14ce22b6c641d1be5b152427005e4c_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtMi0xLTEtNzE0Nzc0_7c0f7e44-0853-4f43-a541-631e79d9e3df">592</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29c16cfe8f844a24b8be9c98ce9b6f6c_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtMy0xLTEtNzE0Nzc0_7d5e3b27-7a16-4407-b4d0-52775b72c91c">470</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b5a8f796b4c45449c03a147f4cd686d_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtNC0xLTEtNzE0Nzc0_3d03db14-2663-4bba-a5ee-4dec198424d4">452</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf993d55061e4579980d84e3e2966030_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtNS0xLTEtNzE0Nzc0_1804fa1e-e19a-450a-a4c2-6b886f9998a9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b1790e059f94509aa7ff9d1a418b1f4_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtNi0xLTEtNzE0Nzc0_9f638969-9881-45c4-b59f-8c5c3f549a94">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91bc94f7623c4c6f84b1c1d6d32253e7_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtNy0xLTEtNzE0Nzc0_b2633ce8-1c5d-4213-8134-ede24b3c1eaa">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5448b524190d49fb91253e59364c2e10_D20220101-20221231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtOC0xLTEtNzE0Nzc0_d7f30737-3e72-4c00-bd72-0462c9a78603">592</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4daa1896cb641018c50ea58ee4b694d_D20210101-20211231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtOS0xLTEtNzE0Nzc0_1519aacd-9eac-46a9-89e6-e0fa06356296">470</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6b3995f5873463eae41f9d16e194ffc_D20200101-20201231" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzQtMTAtMS0xLTcxNDc3NA_6db1535a-f5bc-4211-89d8-56469cdbbcd2">460</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortization in the year</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8b14ce22b6c641d1be5b152427005e4c_D20220101-20221231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtMi0xLTEtNzE0Nzc0_fcd4c575-5498-4cba-8066-bc3330b32314">490</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i29c16cfe8f844a24b8be9c98ce9b6f6c_D20210101-20211231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtMy0xLTEtNzE0Nzc0_372bf8de-2785-4057-85d6-0c3272a87e5a">446</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b5a8f796b4c45449c03a147f4cd686d_D20200101-20201231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtNC0xLTEtNzE0Nzc0_836a4095-4deb-44e6-9c12-e66abc7f701b">448</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idf993d55061e4579980d84e3e2966030_D20220101-20221231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtNS0xLTEtNzE0Nzc0_33e1704e-8626-4b00-a336-046cebc85ed0">20</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5b1790e059f94509aa7ff9d1a418b1f4_D20210101-20211231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtNi0xLTEtNzE0Nzc0_c27dcaf9-1881-409c-a932-9c1b90567a50">48</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i91bc94f7623c4c6f84b1c1d6d32253e7_D20200101-20201231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtNy0xLTEtNzE0Nzc0_fccc9eab-93d9-4a8c-b73b-fde1cefa6d9f">59</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5448b524190d49fb91253e59364c2e10_D20220101-20221231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtOC0xLTEtNzE0Nzc0_bfb3461c-700f-42e4-9a41-d8401672514b">510</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id4daa1896cb641018c50ea58ee4b694d_D20210101-20211231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtOS0xLTEtNzE0Nzc0_6bc3e6ba-f1fb-418f-b27d-a1d21ae509c4">494</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if6b3995f5873463eae41f9d16e194ffc_D20200101-20201231" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzUtMTAtMS0xLTcxNDc3NA_13db8bf0-9835-4475-9057-07a377c22971">507</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortization transfer to discontinued operations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b14ce22b6c641d1be5b152427005e4c_D20220101-20221231" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzYtMi0xLTEtNzE0Nzc0_14e847cc-1da7-44b6-a8c1-4ce01e5685f8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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contextRef="i3b5a8f796b4c45449c03a147f4cd686d_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmortizationTransferToDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzYtNC0xLTEtNzE0Nzc0_b4fc9f0c-1171-4766-ae5e-bae2bf60fdaf">77</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf993d55061e4579980d84e3e2966030_D20220101-20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzYtNy0xLTEtNzE0Nzc0_f689815a-fb34-46d8-bda4-0f12ca6862f1">3</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5448b524190d49fb91253e59364c2e10_D20220101-20221231" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b14ce22b6c641d1be5b152427005e4c_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctMi0xLTEtNzE0Nzc0_f83b2f18-3ff6-4490-ae1d-b84a204ac72a">80</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29c16cfe8f844a24b8be9c98ce9b6f6c_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctMy0xLTEtNzE0Nzc0_b46fafdc-d7e8-40e0-b48c-274bb465fe29">29</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b5a8f796b4c45449c03a147f4cd686d_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctNC0xLTEtNzE0Nzc0_9208206a-b4d4-4604-94f7-bf45ee978a6d">38</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idf993d55061e4579980d84e3e2966030_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctNS0xLTEtNzE0Nzc0_f42c8e30-d363-4ef5-945d-b5b78c2f8b91">63</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5b1790e059f94509aa7ff9d1a418b1f4_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctNy0xLTEtNzE0Nzc0_5b0cc85e-bfc8-4296-92a2-ab216aa1b90e">91</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5448b524190d49fb91253e59364c2e10_D20220101-20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctOC0xLTEtNzE0Nzc0_cabd316f-6411-4bfa-a836-07abefe7721c">17</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id4daa1896cb641018c50ea58ee4b694d_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctOS0xLTEtNzE0Nzc0_e25a3c0e-2f5d-4916-8aa3-aa925229730b">16</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if6b3995f5873463eae41f9d16e194ffc_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzctMTAtMS0xLTcxNDc3NA_ec1820a4-e654-414d-a56e-4c40b0f65c99">129</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8b14ce22b6c641d1be5b152427005e4c_D20220101-20221231" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtMi0xLTEtNzE0Nzc0_29fc10c5-3efc-4dcd-9373-860d62defefd">25</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i29c16cfe8f844a24b8be9c98ce9b6f6c_D20210101-20211231" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtMy0xLTEtNzE0Nzc0_f3ef7f86-4b5f-4210-ba08-1692d5e18cb1">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b5a8f796b4c45449c03a147f4cd686d_D20200101-20201231" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtNC0xLTEtNzE0Nzc0_27c6182b-47b5-47cf-8bbe-b145ce4675f1">6</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf993d55061e4579980d84e3e2966030_D20220101-20221231" decimals="-6" name="bbva:Impairment" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtNS0xLTEtNzE0Nzc0_cb786a31-fdd2-4a57-8654-e1d50a110fa1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b1790e059f94509aa7ff9d1a418b1f4_D20210101-20211231" decimals="-6" name="bbva:Impairment" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtNy0xLTEtNzE0Nzc0_6167c525-cd0c-4319-a503-20ef1b46b3cc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5448b524190d49fb91253e59364c2e10_D20220101-20221231" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtOC0xLTEtNzE0Nzc0_f5f5e13f-925e-4e07-832f-09cd9efce869">25</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id4daa1896cb641018c50ea58ee4b694d_D20210101-20211231" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtOS0xLTEtNzE0Nzc0_0149d31f-68e4-4fae-9270-20698f31e376">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if6b3995f5873463eae41f9d16e194ffc_D20200101-20201231" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzgtMTAtMS0xLTcxNDc3NA_bbccd158-2b8d-4176-aa57-5c3d21319eff">6</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decreases by companies held for sale</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b14ce22b6c641d1be5b152427005e4c_D20220101-20221231" decimals="-6" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktMi0xLTEtNzE0Nzc0_9923d60a-46c5-4ee1-b255-6bf00d64231b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29c16cfe8f844a24b8be9c98ce9b6f6c_D20210101-20211231" decimals="-6" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktMy0xLTEtNzE0Nzc0_84cd9b85-3012-4940-8c79-840d0bcbf00e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b5a8f796b4c45449c03a147f4cd686d_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktNC0xLTEtNzE0Nzc0_cafc8aad-0def-41bc-b229-0c4051013444">279</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf993d55061e4579980d84e3e2966030_D20220101-20221231" decimals="-6" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktNS0xLTEtNzE0Nzc0_b4690cb3-73c7-4cf2-aa3d-3fd50e91e009">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b1790e059f94509aa7ff9d1a418b1f4_D20210101-20211231" decimals="-6" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktNi0xLTEtNzE0Nzc0_1e8096bd-0c68-4ee1-a092-d118ab712f44">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i91bc94f7623c4c6f84b1c1d6d32253e7_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktNy0xLTEtNzE0Nzc0_289e0158-a66a-4ade-80b6-6f2888671a2a">34</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5448b524190d49fb91253e59364c2e10_D20220101-20221231" decimals="-6" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktOC0xLTEtNzE0Nzc0_3177cf75-017e-4dd4-b22b-520089b1d387">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4daa1896cb641018c50ea58ee4b694d_D20210101-20211231" decimals="-6" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktOS0xLTEtNzE0Nzc0_47d5635d-f781-410d-a74d-cbe85d033713">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if6b3995f5873463eae41f9d16e194ffc_D20200101-20201231" decimals="-6" sign="-" name="bbva:DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzktMTAtMS0xLTcxNDc3NA_9b4533bf-920c-4502-b7b8-7c69248a76db">313</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c4e828de9394782b8b0ec0de697210c_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTItMS0xLTcxNDc3NA_f2f2f2b1-391c-475b-b899-9ae91fa2cbc4">1,396</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73d1ef03499e445b962d19b0ccf00c58_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTMtMS0xLTcxNDc3NA_9513fafc-6bdc-44ad-b144-60ef1d8c8e72">1,239</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife1bbb6b97e643d4b049be3514448159_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTQtMS0xLTcxNDc3NA_b20d99e8-b2b2-4d0f-8a13-de115ca290ca">1,202</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i272e35c659074c3d9445fe3e5e76a299_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTUtMS0xLTcxNDc3NA_ab98ca31-2168-4cde-8572-914c5360237d">56</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6c6f082959c4736b90d6fb1654a144c_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTYtMS0xLTcxNDc3NA_c1086fe8-dfb3-41fd-8eaf-6a4748c51bb3">140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d827680d8224bd4b7d0521d94ee6314_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTctMS0xLTcxNDc3NA_f399b171-cac6-41ee-86cd-860253af8df1">233</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if697e4e1d2ba40418d931041b881a515_I20221231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTgtMS0xLTcxNDc3NA_475b1bee-09f6-4751-b36d-263e69440174">1,453</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56ef741808c74423a002040897eb2746_I20211231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTktMS0xLTcxNDc3NA_b6770110-00b7-430b-8686-7ab0cf189d3e">1,379</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4883cfb91ae148f29bdfdc4f3ca6e336_I20201231" decimals="-6" name="ifrs-full:OtherIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90YWJsZTo1OTk5MzM0MDRlZDc0MWQxODRhYzBmOWViYjlmYjY2Ni90YWJsZXJhbmdlOjU5OTkzMzQwNGVkNzQxZDE4NGFjMGY5ZWJiOWZiNjY2XzEwLTEwLTEtMS03MTQ3NzQ_e15e2674-1320-401e-ab45-ee2c58bc423f">1,435</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDEvZnJhZzo2N2U1YzQ2NWMxODM0YWQ2ODAzNGUzNjk1MWVhNDc5Yi90ZXh0cmVnaW9uOjY3ZTVjNDY1YzE4MzRhZDY4MDM0ZTM2OTUxZWE0NzliXzU3NzI0MzYwNDU4OTEx_31d641b1-4e15-4132-a0dd-5a755ecb48aa" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Amount is mainly due to the companies in the United States included in the USA Sale (see Notes 3 and 21).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the cost of fully amortized intangible assets that remained in use were &#8364;3,490 million, &#8364;2,992 million and &#8364;2,622 million respectively, while their recoverable value was not significant.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_844"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">19.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfTaxAssetsAndLiabilitiesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NDQvZnJhZzoyNDFlMWE2NGUwMDA0ZmIyOGZmODc5MWE5NjVhMTk2MS90ZXh0cmVnaW9uOjI0MWUxYTY0ZTAwMDRmYjI4ZmY4NzkxYTk2NWExOTYxXzU_0b4459f8-ff82-47e0-9552-767d8475b049" continuedAt="i06ef4e06956043b4ac273025f50f57d1" escape="true">Tax assets and liabilities</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_847"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i06ef4e06956043b4ac273025f50f57d1" continuedAt="i7c9c1d8a8e7f4a7c985e18169165eac3">Consolidated tax group</ix:continuation></span></div><ix:continuation id="i7c9c1d8a8e7f4a7c985e18169165eac3" continuedAt="i38c397357119492281231283dee6dc6c"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Pursuant to current legislation, BBVA consolidated tax group in Spain includes the Bank (as the parent company) and its Spanish subsidiaries that meet the requirements provided for under Spanish legislation regulating the taxation regime for the consolidated profit of corporate groups.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group&#8217;s non-Spanish banks and subsidiaries file tax returns in accordance with the tax legislation in force in each country.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_850"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i38c397357119492281231283dee6dc6c" continuedAt="id9e3f1db0c3844c09ba4f1df6c956fdd">Years open for review by the tax authorities</ix:continuation></span></div><ix:continuation id="id9e3f1db0c3844c09ba4f1df6c956fdd" continuedAt="i7beb19d2d20d4c358f50ae0a017eed4e"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At the date of preparation of these financial statements, the BBVA consolidated tax group in Spain has 2017 and subsequent years subject to inspection, with respect to the main taxes applicable to it.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The remainder of the Spanish consolidated entities in general have the last four years open for inspection by the tax authorities for the main taxes applicable, except for those in which there has been an interruption of the limitation period due to the start of an inspection.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In relation to the BBVA consolidated tax group in Spain, in 2022, the tax assessments issued as a result of the tax authorities' inspection activities for 2014 to 2016 became final. These assessments were signed in 2021 and were signed in conformity, except for those corresponding to 2016, for which a partial disagreement has been expressed. The impacts of the conclusion of these audits were accounted for in 2021 and did not have a material effect on the financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On the other hand, in relation to the main jurisdictions in which the Group is present and carries out its activity, in the case of Mexico, the inspection procedure for the fiscal year 2017 continues in BBVA M&#233;xico, S.A. corresponding to Corporate Income Tax and Value Added Tax.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In view of the varying interpretations that can be made of some applicable tax legislation, the outcome of the tax inspections of the open years that may be conducted by the tax authorities in the future may give rise to contingent tax liabilities which cannot be reasonably estimated at the present time. However, the Group considers that the possibility of these contingent liabilities becoming actual liabilities is remote and, in any case, the tax charge which might arise therefore would not materially affect the Group&#8217;s consolidated financial statements.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-128</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_853"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i7beb19d2d20d4c358f50ae0a017eed4e" continuedAt="ibd758d8ee98e4e1981b28c1b40e54f0c">Reconciliation</ix:continuation></span></div><ix:continuation id="ibd758d8ee98e4e1981b28c1b40e54f0c" continuedAt="ia16f218f80ca4960a30e11a86caf2aa3"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90ZXh0cmVnaW9uOmUwMTQ5ODJkZDViNzRlOTliOGM4NmE1YTQyN2JhNjcxXzUyMw_c33ea5e3-b3ab-4044-a06c-7ac35c61723e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The reconciliation of the Group&#8217;s corporate income tax expense resulting from the application of the Spanish corporation income tax rate and the income tax expense recognized in the consolidated income statements is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:43.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.150%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year&#160;(Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective tax %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective tax %</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective tax %</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit or (-) loss before tax</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib56f6b99f0944d08a24c0b3f8f045852_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzMtMS0xLTEtNzE0Nzc0_6d770a19-806c-49ca-b44d-4647f498c7bb">10,356</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab1cdafa09584e3195aa19026b453f79_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzMtMy0xLTEtNzE0Nzc0_9decf054-183f-476f-8600-1f3b61ed1476">8,399</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10300d637c844309becd7a15c1534b9d_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzMtNS0xLTEtNzE0Nzc0_7baf7c44-36a1-4bfd-9859-e122ebb13673">3,576</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f4fef9feb2b40bf899977abbf5d5523_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzQtMS0xLTEtNzE0Nzc0_0cbcae44-5491-495c-b0fd-24fa5983881a">10,356</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie751ea55e11b41bf9fd8bdb2f1534d06_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzQtMy0xLTEtNzE0Nzc0_dd26fb7b-6a29-4c3f-8dba-ac0f61c47a7f">7,247</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d7c48ddd2349d1a3bd50fb0a0b7ed9_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzQtNS0xLTEtNzE0Nzc0_f8d96000-06cc-4de9-b916-cbfb54ac4426">5,248</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From discontinued operations</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i168f90da26b5428d9a4ca1294d4803e2_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzUtMS0xLTEtNzE0Nzc0_a676d893-3a7c-48e0-8fcb-2e61fb8178b7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79a623c336604efe834d0cd377410cfa_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzUtMy0xLTEtNzE0Nzc0_a9cbd7b4-fbea-4f0d-94ed-16b8635dd228">1,152</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i23bbc008381b43a1a70b0c7b20187d80_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzUtNS0xLTEtNzE0Nzc0_0b4e05ca-8238-4d30-a514-da449189a45d">1,672</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxation at Spanish corporation tax rate 30%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3225e810673c4cdba1d262d571455132_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzYtMS0xLTEtNzE0Nzc0_c8f70a0a-bdc5-4632-83bf-e3c5241b053c">3,107</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d727c2d5a934ea394cfc7723b387836_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzYtMy0xLTEtNzE0Nzc0_e2084906-4672-42de-89d1-06ca97a243c6">2,519</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i60ef8cd20acc4288b6dcd6b85c9b79a4_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzYtNS0xLTEtNzE0Nzc0_da6fc703-1f00-4853-aa9b-b861de3ddf30">1,073</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lower/higher effective tax rate from foreign entities</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i89cf8f9f60c84be58a62d8680c10fdb9_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzctMS0xLTEtNzE0Nzc0_bc16fd16-e428-45c1-a0ca-0de1b0df3535">315</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic42ffa3a68414c189b2e0c46b58fcb7a_D20210101-20211231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzctMy0xLTEtNzE0Nzc0_30997ea8-60c8-4c02-8d49-01897417157f">332</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i22b41432160648c8b793ad253a4549b5_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzctNS0xLTEtNzE0Nzc0_040afc43-b021-42cc-8ddb-32f3df54ba7f">181</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Mexico </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id48ec041ff134b2582dc35f6d6298268_D20220101-20221231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzgtMS0xLTEtNzE0Nzc0_fa6c2982-0831-4105-9975-109d4978deaf">205</ix:nonFraction>)</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id48ec041ff134b2582dc35f6d6298268_D20220101-20221231" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzgtMi0xLTEtNzE0Nzc0_cea951b8-e4a6-44a9-8788-959ce5da406d">26</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">USA</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90b307a40b15402ba4e84eadff34435c_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzEzLTEtMS0xLTcxNDc3NA_c136ad74-a7d7-436f-8f18-885cdb22ecd5">17</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 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Book',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icd18751b8474436596e32238bbdc2e12_D20210101-20211231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzEzLTMtMS0xLTcxNDc3NA_45a50f73-a272-40f2-bd55-239f80f4c362">62</ix:nonFraction>)</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icd18751b8474436596e32238bbdc2e12_D20210101-20211231" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzEzLTQtMS0xLTcxNDc3NA_1bc0be9e-e9e2-4f69-a506-1c91f97ca768">19</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i65d5ff92805e4a568eb45eb5764336cd_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzEzLTUtMS0xLTcxNDc3NA_e8deb0e9-8a4f-4967-8b05-5629daba90d3">75</ix:nonFraction>)</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" 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style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idbb3563e3b754c829c2592193e4dcbb9_D20220101-20221231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE0LTEtMS0xLTcxNDc3NA_9df16063-cd66-4551-a413-3bcf9e619b93">118</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7d79cfe99f744fa1896d1db4f423663f_D20210101-20211231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE0LTMtMS0xLTcxNDc3NA_1231e306-b7fe-4217-aeec-6eece992f8ab">36</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46c38c1f717a4a87b662ea41dbc16b43_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE0LTUtMS0xLTcxNDc3NA_53eebeaf-441f-4b67-bc47-417729b4b4eb">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revenues with lower tax rate (dividends/capital gains)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia7be406166e145bc9c3e42d6ab7fb22f_D20220101-20221231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE1LTEtMS0xLTcxNDc3NA_6180eba3-603c-4925-a537-4b3cc5f11088">25</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i201333e2997947c6b365df17c89eec04_D20210101-20211231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE1LTMtMS0xLTcxNDc3NA_43241813-968c-4bdb-9383-0547d8baf7b3">30</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i13b50655d857486fb630d8b07f947bcd_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE1LTUtMS0xLTcxNDc3NA_80c57144-73ca-450c-8b76-f2e199894dd4">49</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity accounted earnings</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6759f15afd47497d9eeab99e78e5abc8_D20220101-20221231" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE2LTEtMS0xLTcxNDc3NA_43ac923f-18a7-417b-884f-426d94e385bb">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbf75fa7f104433fb4110d0f799fa9d6_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE2LTMtMS0xLTcxNDc3NA_8358ca41-d914-4bf4-8cdb-5a9bd9c516eb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i008aec76f70c4fcd8e20b1d8c49b4df2_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE2LTUtMS0xLTcxNDc3NA_849055ba-2644-408f-9636-22131830d848">12</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USA Sale effect</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01498d23c04b4121a9663b66964e4cb1_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE3LTEtMS0xLTcxNDc3NA_3ebd4f78-9226-4904-8202-e2d8770de116">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie49a9da6628e4f0cad7083c0c8f331a2_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE3LTMtMS0xLTcxNDc3NA_be61b744-9a8f-4eb2-8c6e-23b009d9b080">544</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i67ae630f010b4937b540b044e6263ab6_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE3LTUtMS0xLTcxNDc3NA_11b37538-97fa-4e00-9503-0fc833be77b3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other effects</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e55f111eccd49d7b7b7b6b32561d208_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE4LTEtMS0xLTcxNDc3NA_34cfde0b-a031-4366-98ae-d5c7e054d4f9">138</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c2afae177a54ef89adce03bd2f9e969_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE4LTMtMS0xLTcxNDc3NA_08b0c902-b8d7-438c-8143-08dcb80c18e9">80</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i16531e1d8e394c828116a970815ae271_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE4LTUtMS0xLTcxNDc3NA_a7b966b3-ebf8-4ca3-afed-dc7890778d7f">661</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income tax</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54774f8cf7374ae99bfbce794e8c57b5_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE5LTEtMS0xLTcxNDc3NA_3b54ba5b-6ded-4927-a688-31d97b1fb634">3,529</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f2c56e6855f48f7a18b05d3b6a7fcbd_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE5LTMtMS0xLTcxNDc3NA_931ca928-4e59-4168-a1f2-eeb7ed76f4e6">2,781</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i83122863bdc74f469072f1e193531003_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzE5LTUtMS0xLTcxNDc3NA_bc631b01-a073-483d-9850-6517c2384a62">1,516</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Continuing operations</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzIwLTEtMS0xLTcxNDc3NA_93460977-5361-4cd2-a35e-e2c39eed5f16">3,529</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzIwLTMtMS0xLTcxNDc3NA_da088855-c713-4543-aabc-69ccf5d2ff45">1,909</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzIwLTUtMS0xLTcxNDc3NA_b6f01c56-450f-42ff-9665-d24cf92c7265">1,459</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Discontinued operations</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0a32bf852d44b5b9bfe3329bf13f38a_D20220101-20221231" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzIxLTEtMS0xLTcxNDc3NA_74a798da-b7b4-49a9-866f-97da928021d3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87b518ee787e4b27a4390a26ad64a318_D20210101-20211231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzIxLTMtMS0xLTcxNDc3NA_3fb5b1c4-3ffb-4458-b2c2-2d9ab6907409">872</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia1f340407a5a4fddb6613b80078b0125_D20200101-20201231" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTowNTdiMzRlNzAyOTQ0OGYyYTBiODE1OTEyZDMyODQ2YS90YWJsZXJhbmdlOjA1N2IzNGU3MDI5NDQ4ZjJhMGI4MTU5MTJkMzI4NDZhXzIxLTUtMS0xLTcxNDc3NA_48f5e923-c0f1-4771-b12e-06783f49234b">57</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90ZXh0cmVnaW9uOmUwMTQ5ODJkZDViNzRlOTliOGM4NmE1YTQyN2JhNjcxXzU3NzI0MzYwNDYwNDAy_869adb5e-4307-482f-a928-927a8ce87c86" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Calculated by applying the difference between the tax rate in force in Spain and the one applied to the Group&#8217;s earnings in each jurisdiction.</ix:footnote></span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90ZXh0cmVnaW9uOmUwMTQ5ODJkZDViNzRlOTliOGM4NmE1YTQyN2JhNjcxXzU3NzI0MzYwNDYwOTcw_34b2850f-cdad-4fc1-bd8c-8d22c1d658f7" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) In 2020, related mainly to the impact of the goodwill impairment of the United States' CGU that amounted to &#8364;2,084 million. This impact did not have associated any Corporate Income Tax (CIT) expense credit (once the 30% tax rate is applied, the effect amounted to &#8364;625 million).</ix:footnote></span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EffectiveTaxRateTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90ZXh0cmVnaW9uOmUwMTQ5ODJkZDViNzRlOTliOGM4NmE1YTQyN2JhNjcxXzUyNg_20aad5aa-9c69-41a1-81df-8ffb01231601" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The effective income tax rate for the Group in the years ended December 31, 2022, 2021 and 2020 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:57.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.769%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective tax rate (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income from:</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consolidated tax group in Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i335329d78bdf4948af8f4495bd77495f_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzMtMi0xLTEtNzE0Nzc0_a908bc06-6210-491c-8929-94439c125e4f">2,222</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if1664e4920f7436d988ad3b2111ea6c0_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzMtMy0xLTEtNzE0Nzc0_8c8aad71-4bbb-4220-ab7e-bb31b3b21060">655</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f1e30d06ab54947981f3c41075fc642_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzMtNC0xLTEtNzE0Nzc0_1182bbc5-377a-4a85-a09d-7fae0fc4b476">259</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Spanish entities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1f8127c9c6044d7dab8713ed1cb7ece2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzQtMi0xLTEtNzE0Nzc0_7d136d14-1130-4489-a27b-3aedb194a94d">462</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e5916b264374a36a1bc1dacda311c8b_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzQtMy0xLTEtNzE0Nzc0_d9517a17-9802-495f-8a64-83ca575369f8">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf00bd6774924b50a165630619329476_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzQtNC0xLTEtNzE0Nzc0_afb71aba-c409-4a59-b708-a39470b85baa">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign entities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife69c3f6221446dda4dff0af98e58a7f_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzUtMi0xLTEtNzE0Nzc0_8a23e215-6ea5-4446-a776-66efd775fd4e">8,596</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d4e13eb70b84fd49e050b59c80c279e_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzUtMy0xLTEtNzE0Nzc0_9f18a642-44b8-4b6d-9969-2f7c73ab083f">6,587</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibbdefb3f62a74aa3bb857f42e16d76c9_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzUtNC0xLTEtNzE0Nzc0_c939caee-4098-42c5-8ce0-5fd4b3dfeb79">4,982</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gains (losses) before taxes from continuing operations</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzYtMi0xLTEtNzE0Nzc0_57270287-b1da-4824-9f66-bd9e0103a9c0">10,356</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzYtMy0xLTEtNzE0Nzc0_3c7a7538-ee8c-4f3d-af73-ac5f17de1689">7,247</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzYtNC0xLTEtNzE0Nzc0_f8e0a99e-8637-4c48-89d8-c94a92bf6c00">5,248</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss from continuing operations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzctMi0xLTEtNzE0Nzc0_93460977-5361-4cd2-a35e-e2c39eed5f16">3,529</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzctMy0xLTEtNzE0Nzc0_da088855-c713-4543-aabc-69ccf5d2ff45">1,909</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzctNC0xLTEtNzE0Nzc0_b6f01c56-450f-42ff-9665-d24cf92c7265">1,459</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective tax rate</span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="6" name="bbva:PercentageEffectiveTaxRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzgtMi0xLTEtNzE0Nzc0_2f13f2a2-72e6-44da-9aba-21cc536d8adb">34.1</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="6" name="bbva:PercentageEffectiveTaxRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzgtMy0xLTEtNzE0Nzc0_edfe068d-5a03-4f99-ad4b-f3b2f1c98128">26.3</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="6" name="bbva:PercentageEffectiveTaxRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTMvZnJhZzplMDE0OTgyZGQ1Yjc0ZTk5YjhjODZhNWE0MjdiYTY3MS90YWJsZTozYjljMjlmM2NmYjA0YmM3YWM2ZmI5NmNmZTRlZDBlNy90YWJsZXJhbmdlOjNiOWMyOWYzY2ZiMDRiYzdhYzZmYjk2Y2ZlNGVkMGU3XzgtNC0xLTEtNzE0Nzc0_be623a09-d794-4093-9fdd-05d86bb12a7a">27.8</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;%</span></td></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2022, in general, in the main countries in which the Group operates, there were no changes in the nominal corporate income tax rate compared to the previous year (including in Turkey, where the tax rate of 25% was maintained), except in the case of Colombia, where the applicable tax rate has changed from 34% of the previous year to 38%. On the other hand, in 2021, the changes in the nominal corporate income tax rate, with respect to the previous year, in the main countries in which the Group operates, were in Turkey (from 22% to 25%), Argentina (from 30% to 35%) and Colombia (from 36% to 34%). </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_856"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ia16f218f80ca4960a30e11a86caf2aa3" continuedAt="i6e73a0d01cfe4e39ad88f9ca34266310">Income tax recognized in equity</ix:continuation></span></div><ix:continuation id="i6e73a0d01cfe4e39ad88f9ca34266310" continuedAt="i44109d95165646f296ccf75c044538e3"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TaxRecognizedInTotalEquityTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90ZXh0cmVnaW9uOmZjOTZmYmJkMzBjODQwMjlhZjA2Mzk0ZWVkMjU5YTZjXzEz_057687a8-1a2a-4ff5-8789-5d36745d0a04" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the income tax expense recognized in the consolidated income statements, the Group has recognized the following income tax charges for these items in the consolidated total equity:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:57.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.769%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax recognized in total equity (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Charges/credits  to total equity</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and others</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d81c3dba15a4d2fae0e5a2281aa696c_I20221231" decimals="-6" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzMtMi0xLTEtNzE0Nzc0_1e4d1e51-8ae6-4552-ae7a-1de54850043e">701</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3db2c9ebfa8f4dfb942896cc9ad41a63_I20211231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzMtMy0xLTEtNzE0Nzc0_5aff2688-5ce6-4220-aa0f-14388e6b4b0c">174</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i01c33fca4f914d95816363a13f5623b7_I20201231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzMtNC0xLTEtNzE0Nzc0_5a7f8ab2-ef4d-4bdb-aed6-62335b177e51">230</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb28089e5eb74b82b3f3c7818e879cd1_I20221231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzQtMi0xLTEtNzE0Nzc0_67185868-18a8-4b66-bc15-5aa28854c92a">56</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib8ab5667b28a4fdabf3f3b393a506a31_I20211231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzQtMy0xLTEtNzE0Nzc0_2be1f33d-c1c2-4075-9730-c64241830392">33</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8507198f06d04284954e4bf1cd5a80d2_I20201231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzQtNC0xLTEtNzE0Nzc0_a1c64247-2c77-4367-96b2-8bbee327e3bd">43</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzEwLTItMS0xLTcxNDc3NA_5747711a-1a6f-451e-92ad-ae262f941c05">645</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzEwLTMtMS0xLTcxNDc3NA_cbf25016-429d-4166-95c0-48dab9dbc572">207</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:TaxRecognizedInTotalEquity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTYvZnJhZzpmYzk2ZmJiZDMwYzg0MDI5YWYwNjM5NGVlZDI1OWE2Yy90YWJsZToyYTg5OTJlMjFlZjE0ZmIxYmQ5MTRjMWIyNWJlZjY4NS90YWJsZXJhbmdlOjJhODk5MmUyMWVmMTRmYjFiZDkxNGMxYjI1YmVmNjg1XzEwLTQtMS0xLTcxNDc3NA_66845620-e61e-4957-a10a-e241ba9cecb0">273</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-129</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_859"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.5</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i44109d95165646f296ccf75c044538e3" continuedAt="i339cd1f7d2b24974bcbd29ff4e9b9522">Current and deferred taxes</ix:continuation></span></div><ix:continuation id="i339cd1f7d2b24974bcbd29ff4e9b9522" continuedAt="ib9b931d08e314f3a9b242e69be5268b9"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TaxAssetsAndLiabilitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90ZXh0cmVnaW9uOmEwYjQ2YTU1MTMwYTQyYjc4MDBkNGVjNTQ1ODg1NzM4Xzg2_97ed37b1-da8f-45bb-8780-f0da29ca32e7" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balance under the heading "Tax assets" in the consolidated balance sheets includes the balances receivable from the tax authorities relating to current and deferred tax assets. The balance under the &#8220;Tax liabilities&#8221; heading includes the balances payable in respect of the Group&#8217;s various current and deferred tax liabilities. The details of the mentioned tax assets and liabilities are as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.464%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax assets and liabilities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax assets </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzMtMS0xLTEtNzE0Nzc0_2307c768-038a-4800-96ba-afda65caea4e">1,978</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzMtMi0xLTEtNzE0Nzc0_8058a961-210b-4bd5-ac27-b50ac5ddf1df">932</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzMtMy0xLTEtNzE0Nzc0_6facec23-7ba6-496f-8c58-ec8ed0d4faa6">1,199</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzQtMS0xLTEtNzE0Nzc0_f7f410f5-fdb7-4a8a-897d-df99823ee8e4">14,494</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzQtMi0xLTEtNzE0Nzc0_c5cf9993-5188-4e7f-b2aa-e1bf3f0769b9">14,917</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzQtMy0xLTEtNzE0Nzc0_e9b63243-f133-4e69-bdc4-7b8f81813abe">15,327</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Pensions</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6c668581f7b545cdb97cc21a93975c4c_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzUtMS0xLTEtNzE0Nzc0_b32864c3-4fa0-4a09-94cd-6bbc24e8fcb1">422</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8292207966454e269344731ae3c64c7f_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzUtMi0xLTEtNzE0Nzc0_af9fc6a5-90f8-48ab-855f-cd2098260035">416</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i061d702909514330b1597bb9fa5d356e_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzUtMy0xLTEtNzE0Nzc0_9de9e059-d08f-4e8b-b11b-6e4c9db7f906">439</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i814573d9b87544bbaafb586f34899faf_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzYtMS0xLTEtNzE0Nzc0_c7d82cef-38d0-4bfc-a3ad-73c0433343bc">1,302</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i319bcd508f3a4c0ab01605c324fc6fe1_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzYtMi0xLTEtNzE0Nzc0_4018d0c0-77bd-412b-bf8d-114f81269611">1,408</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d1e656139b245659aa3fc1dd14438f8_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzYtMy0xLTEtNzE0Nzc0_603fc358-944c-418f-9160-61ed1ebc47fd">1,292</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Loss allowances </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2130f073a498417394a23fcc54c25345_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzctMS0xLTEtNzE0Nzc0_ad19c2ce-a119-417e-83f7-34423c8dab64">1,834</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id16b71d40c004781a981c668b8de4170_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzctMi0xLTEtNzE0Nzc0_ec021844-aaa6-4fdf-a40e-4b381dff4647">1,676</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13662adc9ad94ddb9f49bf80244faa3f_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzctMy0xLTEtNzE0Nzc0_73cd215a-431f-419c-897a-e965ea6dc674">1,683</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b6a239069d9433596ab9d31204f3464_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzgtMS0xLTEtNzE0Nzc0_54dbc471-9107-40f9-a70f-62aab6587867">1,184</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e8a9fbc19624aa8a64add2637cf3047_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzgtMi0xLTEtNzE0Nzc0_067c4e73-191a-429b-8730-85ef91e75dca">1,101</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03319002299f496e9070e2e57deee509_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzgtMy0xLTEtNzE0Nzc0_e540c3a6-5aac-4dbc-a3e5-04b7a2e41adb">1,069</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Secured tax assets</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7da94844d94d43d7877043303d5b26dc_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzktMS0xLTEtNzE0Nzc0_071231c0-9cea-40a6-922b-3f7f2bf9be68">8,689</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i94f32a6b6bb14c0db0f54b352da27320_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzktMi0xLTEtNzE0Nzc0_6afb6f4f-985a-47c7-9953-45946f23cf7e">9,304</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if462b2318a3d41ed98cb8263a1e8649c_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzktMy0xLTEtNzE0Nzc0_b5516e8f-c0a1-4755-b6e2-232a9746b3fb">9,361</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Tax losses</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i329073eb16b64d0f8aa9ac57aeff3671_I20221231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzEwLTEtMS0xLTcxNDc3NA_fdd427b1-e90e-4abd-b258-ba472bae6423">1,063</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i460bd5f320754b1bad41e34021684779_I20211231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzEwLTItMS0xLTcxNDc3NA_94560696-db88-4d17-9374-2498c9c7767b">1,012</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5814fcada744f99b2745cbfb9e3a505_I20201231" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzEwLTMtMS0xLTcxNDc3NA_69a66634-a423-41e7-aa9d-5809452f5472">1,483</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzExLTEtMS0xLTcxNDc3NA_65f6a84f-5dc9-4249-b6d7-f5312b877d1b">16,472</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzExLTItMS0xLTcxNDc3NA_f012e542-1147-40aa-b7e7-375b2adf29b5">15,850</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzExLTMtMS0xLTcxNDc3NA_adeb3674-0492-444f-9c74-b88f7f7a1de6">16,526</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax liabilities </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzEzLTEtMS0xLTcxNDc3NA_7f77280c-aaae-4d39-9ce5-ccad30f66e6c">1,415</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzEzLTItMS0xLTcxNDc3NA_084fd373-1061-40c9-8413-4e81bd1f2f82">644</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzEzLTMtMS0xLTcxNDc3NA_7732374c-bfd8-4fe7-9f1e-7cc6351d6ec5">545</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liabilities</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> </span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE0LTEtMS0xLTcxNDc3NA_03d3ad4f-d93d-4da4-ae7b-beae70a826c6">1,326</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE0LTItMS0xLTcxNDc3NA_a04880e5-8370-4bc7-84a8-3c210f076efc">1,769</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE0LTMtMS0xLTcxNDc3NA_caf924bf-6ad0-420c-b8d4-d6eba34d667d">1,809</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i814573d9b87544bbaafb586f34899faf_I20221231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE1LTEtMS0xLTcxNDc3NA_a1eb65a8-6ca2-435c-bd8c-a221cf5c6417">568</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i319bcd508f3a4c0ab01605c324fc6fe1_I20211231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE1LTItMS0xLTcxNDc3NA_730213d5-bd7d-4226-91cf-5c32cd2446c6">1,124</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d1e656139b245659aa3fc1dd14438f8_I20201231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE1LTMtMS0xLTcxNDc3NA_1b45a697-5a88-4957-8a98-24acb79d8aa8">908</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b6a239069d9433596ab9d31204f3464_I20221231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE2LTEtMS0xLTcxNDc3NA_809982b7-986d-4219-a8cc-ef6716a0fdf8">758</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e8a9fbc19624aa8a64add2637cf3047_I20211231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE2LTItMS0xLTcxNDc3NA_ed06c537-f704-4b01-a9e3-2e5269dfca26">645</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03319002299f496e9070e2e57deee509_I20201231" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE2LTMtMS0xLTcxNDc3NA_fab4028d-9a12-4a57-8dca-d86b1c1c6dc2">901</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE3LTEtMS0xLTcxNDc3NA_a477a6fc-37e1-41fd-b34c-ada52daeae46">2,742</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE3LTItMS0xLTcxNDc3NA_b3956361-7f41-475d-8fd2-64a310351e8f">2,413</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTpiZTRkMjAzYmNmMDk0MDk5ODE5ODE0MTRkMTg5ODhkYS90YWJsZXJhbmdlOmJlNGQyMDNiY2YwOTQwOTk4MTk4MTQxNGQxODk4OGRhXzE3LTMtMS0xLTcxNDc3NA_c6dc539c-7428-4bb8-873d-1c75ad9abeda">2,355</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90ZXh0cmVnaW9uOmEwYjQ2YTU1MTMwYTQyYjc4MDBkNGVjNTQ1ODg1NzM4XzU3MTc0NjA0NjQ2MjY3_9a44cacb-2988-4f4a-9f39-e53f34535128" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The increase in current tax assets relates mainly to a higher tax receivable by the tax group in Spain for the refund of the 2022 corporate income tax as a result of the instalment payments made in the year. On the other hand, the increase in current tax liabilities mainly corresponds to a higher tax payable in both Mexico and Turkey in relation to the estimated corporate income tax for the year 2022.</ix:footnote></span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90ZXh0cmVnaW9uOmEwYjQ2YTU1MTMwYTQyYjc4MDBkNGVjNTQ1ODg1NzM4Xzg3_c2289fcc-2496-41f7-861f-362d79a3dc38" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant variations of the deferred tax assets and liabilities in the years 2022, 2021 and 2020 were derived from the following items:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:33.260%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.845%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred tax assets and liabilities. Annual variations (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred liabilities</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc494d4cb41a40dd957ab2734a3cd6ab_I20211231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzMtMi0xLTEtNzE0Nzc0_edaf6889-43df-49e3-bb40-837160f53056">14,917</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91fccad4295d4126b3b19752d6a4c220_I20211231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzMtMy0xLTEtNzE0Nzc0_93ed2f0a-6d37-4014-95d5-610df78d4a95">1,769</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9fbf84e394774bad9eb65f35729dd0c4_I20201231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzMtNC0xLTEtNzE0Nzc0_9766f447-9a0d-4acc-87fe-88ffe0feabab">15,327</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc68231b69c14a17ba6b7acb411a4cac_I20201231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzMtNS0xLTEtNzE0Nzc0_6b7a443f-e727-443b-8eb3-e1c377314123">1,809</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb443d3150c84b51a34c65a5e6a0e035_I20191231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzMtNi0xLTEtNzE0Nzc0_6130f312-28ba-4b92-ae23-004d867b0cb1">15,318</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d986e1e0a29496da329ffe161840491_I20191231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzMtNy0xLTEtNzE0Nzc0_89180090-32dd-47b4-8c6a-bc83af63a5bf">1,928</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47568931a6c43efa245928df1cef549_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzQtMi0xLTEtNzE0Nzc0_460990cd-39d7-4240-a444-ba41895fc746">6</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f9f4fc4e2bc43e9aa38e007b262774c_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxPensions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzQtMy0xLTEtNzE0Nzc0_d6e1b5f5-d51b-4bd0-bbbb-ca1fa0cd9b4d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i873d63d5b3484ee9a347169d2c220f35_D20210101-20211231" decimals="-6" sign="-" name="bbva:DeferredTaxPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzQtNC0xLTEtNzE0Nzc0_ae893467-09de-4f5b-bbf7-269ab5bd4211">23</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ccf66c25af641888ee1b8773c5cfb35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxPensions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzQtNS0xLTEtNzE0Nzc0_826f8ca1-f6ab-4abd-8404-6339d048d23f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i16aed7a5f6ca4ce4ad295a1bf0d9e8a9_D20200101-20201231" decimals="-6" sign="-" name="bbva:DeferredTaxPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzQtNi0xLTEtNzE0Nzc0_1ddd56c5-3d70-4ddc-978f-c9a181de3f8d">17</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if341ab63ccd1484c8c1c0d517813764e_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxPensions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzQtNy0xLTEtNzE0Nzc0_a78c2d95-4e64-495b-9803-f753e03cf0a9">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financials instruments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib47568931a6c43efa245928df1cef549_D20220101-20221231" decimals="-6" sign="-" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzUtMi0xLTEtNzE0Nzc0_42f9ea46-1aa9-4880-9856-138a482e1fc9">106</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7f9f4fc4e2bc43e9aa38e007b262774c_D20220101-20221231" decimals="-6" sign="-" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzUtMy0xLTEtNzE0Nzc0_df5d6f84-3e10-4ecb-a8e1-25ed7c2ca771">556</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i873d63d5b3484ee9a347169d2c220f35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzUtNC0xLTEtNzE0Nzc0_0786412b-4474-444b-bef0-13e8d6d70cea">116</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ccf66c25af641888ee1b8773c5cfb35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzUtNS0xLTEtNzE0Nzc0_69062f64-c14c-490a-b70c-7c81b9fc49ab">216</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i16aed7a5f6ca4ce4ad295a1bf0d9e8a9_D20200101-20201231" decimals="-6" sign="-" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzUtNi0xLTEtNzE0Nzc0_c730bd23-3ee8-42aa-a06f-6144889054f9">94</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if341ab63ccd1484c8c1c0d517813764e_D20200101-20201231" decimals="-6" sign="-" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzUtNy0xLTEtNzE0Nzc0_19dfc3ed-c690-458b-92ec-b552f6ad35b3">106</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loss allowances</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47568931a6c43efa245928df1cef549_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxLossAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzYtMi0xLTEtNzE0Nzc0_d79ba989-87fe-479e-a026-930ba6189cb0">158</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f9f4fc4e2bc43e9aa38e007b262774c_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxLossAllowances" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzYtMy0xLTEtNzE0Nzc0_1ab1238f-e717-4d81-8247-cb2b2a3d780f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i873d63d5b3484ee9a347169d2c220f35_D20210101-20211231" decimals="-6" sign="-" name="bbva:DeferredTaxLossAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzYtNC0xLTEtNzE0Nzc0_56c90b5b-2488-4e27-95fc-117326c215c3">7</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ccf66c25af641888ee1b8773c5cfb35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxLossAllowances" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzYtNS0xLTEtNzE0Nzc0_6f05e955-5aa4-4297-a452-be7e53968812">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i16aed7a5f6ca4ce4ad295a1bf0d9e8a9_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxLossAllowances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzYtNi0xLTEtNzE0Nzc0_2825119f-c1b1-4b31-af40-e62423f6bf50">47</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if341ab63ccd1484c8c1c0d517813764e_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxLossAllowances" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzYtNy0xLTEtNzE0Nzc0_dfa10571-91a2-48ad-af89-1a0624ae0579">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47568931a6c43efa245928df1cef549_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzctMi0xLTEtNzE0Nzc0_56e296c4-124f-42c5-8803-7562a22a271c">83</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f9f4fc4e2bc43e9aa38e007b262774c_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzctMy0xLTEtNzE0Nzc0_c5fdc610-8465-487f-9f13-2a0d7e9ad213">113</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i873d63d5b3484ee9a347169d2c220f35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzctNC0xLTEtNzE0Nzc0_e2a56b68-68ed-4a20-b143-b8d1b756f153">32</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4ccf66c25af641888ee1b8773c5cfb35_D20210101-20211231" decimals="-6" sign="-" name="bbva:DeferredTaxOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzctNS0xLTEtNzE0Nzc0_32a0b4ea-5245-4fff-87be-561251b264b9">256</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i16aed7a5f6ca4ce4ad295a1bf0d9e8a9_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzctNi0xLTEtNzE0Nzc0_96a86778-2562-4e45-a65a-787dfda3aa4e">24</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if341ab63ccd1484c8c1c0d517813764e_D20200101-20201231" decimals="-6" sign="-" name="bbva:DeferredTaxOthers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzctNy0xLTEtNzE0Nzc0_84188c25-ea31-4952-b221-4a154ff7ca33">13</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guaranteed tax assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib47568931a6c43efa245928df1cef549_D20220101-20221231" decimals="-6" sign="-" name="bbva:DeferredTaxGuaranteedTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzgtMi0xLTEtNzE0Nzc0_8939a62f-0cb5-472a-8464-95c2d8432382">615</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f9f4fc4e2bc43e9aa38e007b262774c_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxGuaranteedTaxAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzgtMy0xLTEtNzE0Nzc0_5fdfd17f-3df1-4889-8e30-0a4e32d4c83f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i873d63d5b3484ee9a347169d2c220f35_D20210101-20211231" decimals="-6" sign="-" name="bbva:DeferredTaxGuaranteedTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzgtNC0xLTEtNzE0Nzc0_21bf1eae-f8aa-4fa7-a0cf-5d3cf046bada">57</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ccf66c25af641888ee1b8773c5cfb35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxGuaranteedTaxAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzgtNS0xLTEtNzE0Nzc0_cf770afd-841d-4ded-9b65-1f011956dd3b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i16aed7a5f6ca4ce4ad295a1bf0d9e8a9_D20200101-20201231" decimals="-6" sign="-" name="bbva:DeferredTaxGuaranteedTaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzgtNi0xLTEtNzE0Nzc0_a4012e40-6c8b-4cd4-a999-cb9d9a1baea2">2</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if341ab63ccd1484c8c1c0d517813764e_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxGuaranteedTaxAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzgtNy0xLTEtNzE0Nzc0_650660d4-eada-4735-879b-4f3b7d83c392">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax losses</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib47568931a6c43efa245928df1cef549_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxTaxLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzktMi0xLTEtNzE0Nzc0_4804955b-d212-446f-b724-1fd7f4081c3a">51</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7f9f4fc4e2bc43e9aa38e007b262774c_D20220101-20221231" decimals="-6" name="bbva:DeferredTaxTaxLosses" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzktMy0xLTEtNzE0Nzc0_e1bb5744-1077-47b7-8cb0-e35af53a4cad">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i873d63d5b3484ee9a347169d2c220f35_D20210101-20211231" decimals="-6" sign="-" name="bbva:DeferredTaxTaxLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzktNC0xLTEtNzE0Nzc0_b83599d0-a222-42f5-b809-c1f852c42ae7">471</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ccf66c25af641888ee1b8773c5cfb35_D20210101-20211231" decimals="-6" name="bbva:DeferredTaxTaxLosses" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzktNS0xLTEtNzE0Nzc0_89273629-b20e-42f6-afe1-d77c3cb90e63">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i16aed7a5f6ca4ce4ad295a1bf0d9e8a9_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxTaxLosses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzktNi0xLTEtNzE0Nzc0_337eb89d-5c09-495b-b929-840407cb6a08">51</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if341ab63ccd1484c8c1c0d517813764e_D20200101-20201231" decimals="-6" name="bbva:DeferredTaxTaxLosses" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzktNy0xLTEtNzE0Nzc0_794fd2b1-5252-4fff-8840-684b2b2e1bcb">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb9f28c09d564e2b88b717414c6e9db9_I20221231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzEwLTItMS0xLTcxNDc3NA_d5ec64a1-366d-486b-ad2b-e31174fa3a97">14,494</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab139225824d4882b7effaf267790000_I20221231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzEwLTMtMS0xLTcxNDc3NA_93cc1d18-dddb-4e82-889b-7ba0e695a42f">1,326</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc494d4cb41a40dd957ab2734a3cd6ab_I20211231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzEwLTQtMS0xLTcxNDc3NA_b0155866-0786-45a8-a83a-ed0b5bc896f9">14,917</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91fccad4295d4126b3b19752d6a4c220_I20211231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzEwLTUtMS0xLTcxNDc3NA_19f4d1d3-d1a5-47f0-9eb5-8f3166227bf5">1,769</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9fbf84e394774bad9eb65f35729dd0c4_I20201231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzEwLTYtMS0xLTcxNDc3NA_5ca2fc8b-29cd-4e4e-b892-dd84b5686677">15,327</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc68231b69c14a17ba6b7acb411a4cac_I20201231" decimals="-6" name="bbva:DeferredTaxAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo5NjYzZDgwNTBhY2U0YjM0OWNmZDcyNjZmNjljYzc0YS90YWJsZXJhbmdlOjk2NjNkODA1MGFjZTRiMzQ5Y2ZkNzI2NmY2OWNjNzRhXzEwLTctMS0xLTcxNDc3NA_5fe153b8-566d-4c79-89db-ef9270d81ffe">1,809</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">With respect to the changes in deferred tax assets and liabilities in 2022 contained in the above table, the following should be pointed out:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Guaranteed tax assets decreased mainly due to the utilization in the year of deferred tax assets converted into a receivable from the tax authorities, which was recognized in the Spanish tax group's corporate income tax return for the year 2020, and as a result of the offsetting of these assets in the Spanish tax group's estimated corporate income tax return for 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The increase in tax assets for tax losses is due to the fact that, despite the fact that in 2022 the tax Group in Spain generated positive taxable income, which allowed for the offset of tax losses and deductions, new deductions were generated during the year to avoid double taxation and, additionally, the filing of the 2021 corporate income tax return also led to an increase in the balance of these tax assets for tax losses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The evolution of deferred tax assets (other than those guaranteed and those linked to tax losses) net of deferred tax liabilities is due, among other things, to the exchange rate effect, especially in the case of Mexico and Turkey, the effects associated with the valuations of financial instruments, the effect in Argentina associated with the tax revaluation of fixed assets, the impacts linked to the application of IAS 29 in Turkey which are largely associated with the changes in accounting valuations arising from its consideration as a hyperinflationary economy and, finally, the operation of corporate income tax, where the differences between accounting and taxation give rise to constant movements in deferred taxes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Of the deferred tax assets and liabilities contained in the table above, those included in Note 19.4 above have been recognized against the entity's equity, and the rest against earnings for the year or reserves.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-130</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ib9b931d08e314f3a9b242e69be5268b9" continuedAt="icdd2a4c04ea34041b3da60dcc8f4d7c6"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the estimated amount of temporary differences associated with investments in subsidiaries, joint ventures and associates, which were not recognized as deferred tax liabilities in the consolidated balance sheets, amounted to &#8364;88, &#8364;93 and &#8364;106 million, respectively.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SecuredTaxAssetsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90ZXh0cmVnaW9uOmEwYjQ2YTU1MTMwYTQyYjc4MDBkNGVjNTQ1ODg1NzM4Xzg4_50cc78a7-05ac-4f66-a50b-49896c4365c1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Of the deferred tax assets contained in the above table, the detail of the items and amounts guaranteed by the Spanish government, broken down by the items that originated those assets is as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:46.665%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.311%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured tax assets (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SecuredPensionsTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzItMS0xLTEtNzE0Nzc0_7d472857-bd3a-4aba-8c8a-22d6654d1ec0">1,622</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SecuredPensionsTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzItMi0xLTEtNzE0Nzc0_182dd8cc-ebe7-4d0e-bcc9-e469dfe74473">1,759</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SecuredPensionsTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzItMy0xLTEtNzE0Nzc0_efd181b2-51f0-4101-9d77-e53da559ca03">1,924</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loss allowances</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SecuredLossAllowancesTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzMtMS0xLTEtNzE0Nzc0_88edbcaf-dfdf-418f-bf92-f1775e7245b8">7,067</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SecuredLossAllowancesTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzMtMi0xLTEtNzE0Nzc0_a8053ecb-a49a-4bb5-a9c2-aedc33ee122d">7,545</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SecuredLossAllowancesTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzMtMy0xLTEtNzE0Nzc0_f9e55302-b0e3-45a6-af28-75fd77d3608b">7,437</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalSecuredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzQtMS0xLTEtNzE0Nzc0_d99d554f-f009-42b7-9966-ef7f74db04f7">8,689</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalSecuredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzQtMi0xLTEtNzE0Nzc0_c0ac03d3-a2ae-4ea2-ad77-5badb5e1abf3">9,304</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalSecuredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NTkvZnJhZzphMGI0NmE1NTEzMGE0MmI3ODAwZDRlYzU0NTg4NTczOC90YWJsZTo4YTgyMDQ3NWMwYTA0YjI3YTFmNjhjNDlmMmY5MGQzMy90YWJsZXJhbmdlOjhhODIwNDc1YzBhMDRiMjdhMWY2OGM0OWYyZjkwZDMzXzQtMy0xLTEtNzE0Nzc0_4db7873c-bf94-4653-b8fc-15a2578a845d">9,361</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">As of December 31, 2022, non-guaranteed net deferred tax assets of the above table amounted to &#8364;4,478 million (&#8364;3,844 and &#8364;4,156 million as of December 31, 2021 and 2020, respectively), which broken down by major geographies is as follows: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Spain: Net deferred tax assets recognized in Spain totaled &#8364;2,407 million as of December 31, 2022 (&#8364;2,342 and &#8364;2,590 million as of December 31, 2021 and 2020, respectively). &#8364;1,050 million of the figure recorded in the year ended December 31, 2022 for net deferred tax assets related to tax credits and tax loss carry forwards and &#8364;1,357 million relate to temporary differences. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Mexico: Net deferred tax assets recognized in Mexico amounted to &#8364;1,628 million as of December 31, 2022 (&#8364;1,121 and &#8364;1,036 million as of December 31, 2021 and 2020, respectively). Practically all of deferred tax assets as of December 31, 2022 relate to temporary differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">South America: Net deferred tax assets recognized in South America amounted to &#8364;198 million as of December 31, 2022 (&#8364;65 and &#8364;126 million as of December 31, 2021 and 2020, respectively). Practically all the deferred tax assets are related to temporary differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Turkey: Net deferred tax assets recognized in Turkey amounted to &#8364;228 million as of December 31, 2022 (&#8364;302 and &#8364;395 million as of December 31, 2021 and 2020, respectively). All the deferred tax assets are related to temporary differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on the information available as of December 31, 2022, including historical levels of benefits and projected results available to the Group for the coming 15 years, the Group has carried out an analysis of its recovery of deferred tax assets and liabilities and it is considered that there is sufficient positive evidence, in excess of the negative evidence, that sufficient positive taxable income will be generated for the recovery of the aforementioned unsecured deferred tax assets when they become deductible in accordance with tax legislation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On the other hand, the Group has not recognized certain negative tax losses and deductions for which, in general, there is no legal period for offsetting, amounting to approximately &#8364;2,048 million, which are mainly originated by Catalunya Banc.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_17592186047127"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.6</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="icdd2a4c04ea34041b3da60dcc8f4d7c6" continuedAt="i58eb3704de344b71888dad6169be914d">Other Contributions</ix:continuation></span></div><ix:continuation id="i58eb3704de344b71888dad6169be914d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On December 28, 2022, the Law for the establishment of the temporary tax on credit institutions and financial credit establishments was published in the Official State Gazette.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This law establishes an obligation to pay a non-taxable equity benefit of public nature during the years 2023 and 2024 to those credit institutions that operate in Spain whose aggregated amount of interest income and fee and commission income generated, corresponding to the year 2019, equals or exceeds &#8364;800 million. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amount of the benefit to be paid will be the result of applying the percentage of 4.8% to the sum of the net interest income and fee and commission income and expense derived from the activity carried out in Spain, as shown in the income statement of the tax consolidation group to which the credit institutions belongs, corresponding to the calendar year prior to the year in which the obligation to pay arose. The payment obligation arises on the first day of the calendar year of fiscal years 2023 and 2024.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The estimated impact for 2023 is &#8364;225 million and has been recorded on January 1, 2023 in the heading "Other operating expense" of the consolidated income statement.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-131</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_862"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">20.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfOtherAssetsAndLiabilitiesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90ZXh0cmVnaW9uOjMyOTJmYjJiYmMxMzQzNGU5ZDdhMGY1MTBjOGI5Yjg0XzEx_93c939e5-b677-49c5-a7a5-bad52b677468" continuedAt="i25080ee3be5a43a18f79be1dfe300835" escape="true">Other assets and liabilities </ix:nonNumeric></span></div><ix:continuation id="i25080ee3be5a43a18f79be1dfe300835"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:OtherAssetsAndLiabilitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90ZXh0cmVnaW9uOjMyOTJmYjJiYmMxMzQzNGU5ZDdhMGY1MTBjOGI5Yjg0XzEy_51f92ad1-072e-4996-9179-24793472d27a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The composition of the balance of these captions of the consolidated balance sheets is:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:44.649%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.983%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.983%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.985%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other assets and liabilities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inventories</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzQtMi0xLTEtNzE0Nzc0_613f9784-37e4-40b3-9b64-63ba3c8c6d04">325</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzQtMy0xLTEtNzE0Nzc0_fe943d61-877b-41de-9672-571fdcecaee9">424</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzQtNC0xLTEtNzE0Nzc0_ad768f67-09f4-4a09-846d-3ad77fc4555f">572</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactions in progress</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzktMi0xLTEtNzE0Nzc0_a9568679-0865-4916-85a7-62eb9073e919">93</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzktMy0xLTEtNzE0Nzc0_b841474f-00f9-478f-9865-999baebb4908">131</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzktNC0xLTEtNzE0Nzc0_62b1603e-be80-4e7b-b3be-3ab45b72243b">160</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accruals</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherAssetsAccruals" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzEwLTItMS0xLTcxNDc3NA_74a4074a-32f4-4d43-aa7e-baca4bbad105">1,490</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherAssetsAccruals" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzEwLTMtMS0xLTcxNDc3NA_9ccb0beb-50a0-458a-802a-6bf2393dea2d">730</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherAssetsAccruals" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzEwLTQtMS0xLTcxNDc3NA_1042cc39-8056-4de4-82ec-fb1139cdfd5e">756</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherAssetsOtherItems" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzE2LTItMS0xLTcxNDc3NA_34edd05d-f402-400b-93e8-e640cf74d516">706</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherAssetsOtherItems" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzE2LTMtMS0xLTcxNDc3NA_6f153f5e-681c-49d3-8255-2cf7d0ab73bf">649</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherAssetsOtherItems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzE2LTQtMS0xLTcxNDc3NA_b79611e2-7451-4339-8d57-50111696f89f">1,025</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzIyLTItMS0xLTcxNDc3NA_83a85197-7132-4744-94bb-47ae72f2ef51">2,614</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzIyLTMtMS0xLTcxNDc3NA_60a175db-a984-40c3-b304-5a4b5857bc6f">1,934</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzIyLTQtMS0xLTcxNDc3NA_c7d51cda-e57b-4248-9839-ed7d0fc6e7de">2,513</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactions in progress</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherLiabilitiesTransactionsInProgress" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI0LTItMS0xLTcxNDc3NA_9fb4469c-9efd-4915-a70a-4d87cf337c20">44</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherLiabilitiesTransactionsInProgress" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI0LTMtMS0xLTcxNDc3NA_61916fe9-2cf4-4610-9865-2aaa8e736bc2">48</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherLiabilitiesTransactionsInProgress" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI0LTQtMS0xLTcxNDc3NA_3fa9196b-fe28-44e6-a8e0-8dda00ad61a3">75</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accruals</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherLiabilitiesAccruals" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI1LTItMS0xLTcxNDc3NA_f1a08b3b-9fd8-4cdc-ab12-ccb2fb08e7fb">2,566</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherLiabilitiesAccruals" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI1LTMtMS0xLTcxNDc3NA_9325afe0-cc81-4cdd-8398-057a4cd39079">2,137</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherLiabilitiesAccruals" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI1LTQtMS0xLTcxNDc3NA_0fc660d9-1028-445e-b591-cb6e67a78c5e">1,584</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherItemsLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI4LTItMS0xLTcxNDc3NA_11ea29a2-81dd-41d6-8cc0-279daeecbe5f">2,269</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherItemsLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI4LTMtMS0xLTcxNDc3NA_5c770fa8-ebf4-473c-bcdd-53859a9a209c">1,436</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherItemsLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzI4LTQtMS0xLTcxNDc3NA_72ae14a1-31f9-4f15-9cf5-d8e667d7c668">1,144</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzM1LTItMS0xLTcxNDc3NA_f45b707e-c347-4419-82fa-d304a64ff73d">4,880</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzM1LTMtMS0xLTcxNDc3NA_fe40b37d-d17f-45be-85d8-e1266afc7429">3,621</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90YWJsZTo0YmY3OWExMjFhOGQ0ZmU2OWQwM2I5ODI2NDY3Y2NjNy90YWJsZXJhbmdlOjRiZjc5YTEyMWE4ZDRmZTY5ZDAzYjk4MjY0NjdjY2M3XzM1LTQtMS0xLTcxNDc3NA_9300c563-3fce-4a2b-adad-64866a8b57a7">2,802</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:1pt;margin-top:1pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjIvZnJhZzozMjkyZmIyYmJjMTM0MzRlOWQ3YTBmNTEwYzhiOWI4NC90ZXh0cmVnaW9uOjMyOTJmYjJiYmMxMzQzNGU5ZDdhMGY1MTBjOGI5Yjg0XzU3MTc0NjA0NjQ1MTQy_c2119857-58ea-43cc-83fc-baac3f9e5044" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The increases relate mainly to the Bank in Spain for items pending settlement.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_865"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">21.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NDk_b2b1d951-b170-46a6-af4c-ae513f6434cd" continuedAt="i41a1771ee2ba424db51e42b48b55e831" escape="true">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale </ix:nonNumeric></span></div><ix:continuation id="i41a1771ee2ba424db51e42b48b55e831" continuedAt="ibfe013ff34b7485583c8d704b09703d4"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NTA_be34f768-c798-4f87-9a5f-aecbdd756b34" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The composition of the balances under the headings &#8220;Non-current assets and disposal groups classified as held for sale&#8221; and &#8220;liabilities included in disposal groups classified as held for sale&#8221; in the consolidated balance sheets, broken down by the origin of the assets, is as follows: </span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale. Breakdown by items (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreclosures and recoveries</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2022058171a845d1aa73da92d060f56e_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzMtMi0xLTEtNzE0Nzc0_93fa8a07-880c-4195-a87d-842392d29e51">1,070</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22322cb258084892b87eee390c41a4ae_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzMtMy0xLTEtNzE0Nzc0_841f862d-00e2-4f7a-8c3c-c9db2ac5c9de">1,218</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2417d15fd1e447a8f8224bbe606c43c_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzMtNC0xLTEtNzE0Nzc0_8b6322d0-3613-4404-a321-710013131153">1,398</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets from tangible assets </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i484249bc86f64fb28e7979e1533cc42b_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzgtMi0xLTEtNzE0Nzc0_71c06868-3d00-40d6-84c7-628baf6cd7e5">1,063</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75dfaa751aca4897899970e8a293f3a6_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzgtMy0xLTEtNzE0Nzc0_21cce552-dddd-49ef-8097-f361b75a1a45">563</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd9400357ba34e68a0abccd3e74fb5d3_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzgtNC0xLTEtNzE0Nzc0_231103c5-2e8e-4959-929b-a8d23095f423">480</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies held for sale</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a94cabbbaa84457a3818dffd01462b5_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzEzLTItMS0xLTcxNDc3NA_dad7e7ba-6565-4d37-be14-1e0c3cb201dd">40</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c0e242deb7947a79f5f05f503d7f8fa_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzEzLTMtMS0xLTcxNDc3NA_fef6c736-ad92-4547-b408-4e4043528091">41</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i803c63e9e14943f787e4f5bac9705979_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzEzLTQtMS0xLTcxNDc3NA_dbf0824d-9342-470b-9e2a-2b236379fbe7">84,792</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accrued amortization </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib80da36f204c4af8b05b614c15e132cd_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzE1LTItMS0xLTcxNDc3NA_c835a731-8dbf-4268-a641-8a86e435bb7a">93</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i11dd76a6c91c4a0d9d25c26ae8520758_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzE1LTMtMS0xLTcxNDc3NA_66362e34-be44-41e7-bddf-10b59af8d6a1">112</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3d9e72e6c89140a0820b6d9faa2f4b18_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzE1LTQtMS0xLTcxNDc3NA_6b676553-5e7d-4961-bd92-d5ea9fb07ec9">89</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment losses</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ied8d9d8ca75346c1b3f3575d621432b5_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzE5LTItMS0xLTcxNDc3NA_350b8519-9552-4f7a-bcdf-ddd4007355ae">1,057</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i09d5d2afd9d94529bcc23fb6e09bc470_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzE5LTMtMS0xLTcxNDc3NA_8a993adf-75d9-469c-ac83-4d21b66cba9b">650</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i32a5eee3e2724e81a5752dba8e74336a_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzE5LTQtMS0xLTcxNDc3NA_2e14f788-265a-4c88-af23-2c7de0c37ee6">594</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total  </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzI3LTItMS0xLTcxNDc3NA_701ed647-9ff3-4149-8ef3-47a1f94c5c26">1,022</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzI3LTMtMS0xLTcxNDc3NA_41030fce-5590-41d2-8dd0-595f7c9e7016">1,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzI3LTQtMS0xLTcxNDc3NA_e09e51eb-aaa2-44c5-be27-9b3f1e861cb7">85,987</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies held for sale</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a94cabbbaa84457a3818dffd01462b5_I20221231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzI5LTItMS0xLTcxNDc3NA_ad8badc7-3098-48e9-bdee-d617f81648a0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c0e242deb7947a79f5f05f503d7f8fa_I20211231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzI5LTMtMS0xLTcxNDc3NA_809ef9d6-1cc0-4124-afed-8d9d08e1a928">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i803c63e9e14943f787e4f5bac9705979_I20201231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzI5LTQtMS0xLTcxNDc3NA_cd5f5dd2-df92-46df-8b61-8077d4183783">75,446</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total  </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzMwLTItMS0xLTcxNDc3NA_5ffa12ee-7ac1-4fd8-9e7d-84affc7e3a05">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzMwLTMtMS0xLTcxNDc3NA_ac5fccc0-6ae2-4e0a-9edf-71ab01e7cb86">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTo0ZmU5NzQzYTEwMmQ0MzZhYTEwMDMwNmI5MzAzMmY4NS90YWJsZXJhbmdlOjRmZTk3NDNhMTAyZDQzNmFhMTAwMzA2YjkzMDMyZjg1XzMwLTQtMS0xLTcxNDc3NA_65932f97-3c41-4c47-bf1c-f9438d128e81">75,446</ix:nonFraction></span></td></tr></table></div><div style="padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3MTc0NjA0NjYxODM0_7d915bdf-9128-4dd9-afa3-0aec54385f41" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation in 2022 corresponds mainly to the reclassification of offices previously in own use and now closed after the closing of the transaction with Merlin Properties (see Note 17). In 2021, it includes the reclassification of owned offices and facilities from "tangible assets" to "non-current assets and disposal groups classified as held for sale" and the adjustments due to the closing of the owned offices and the decommissioning of facilities after the agreement with the union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain (see Notes 24 and 50).</ix:footnote></span></div><div style="padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3MTc0NjA0NjYxODMz_66c16151-fd98-4ff3-8169-eef79b78b50a" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) It includes mainly BBVA&#8217;s stake in BBVA USA in 2020 (see Note 3).</ix:footnote></span></div><div style="padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3MTc0NjA0NjYxODMy_74b6b60d-c7ab-49ad-984a-0623c02ad94d" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale"</ix:footnote>.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Assets and liabilities from discontinued operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As mentioned in Note 3, in 2020 the agreement for the sale of the BBVA subsidiary in the United States was announced, which sale was completed on June 1, 2021. The assets and liabilities corresponding to the 37 companies sold were reclassified to the headings &#8220;Non-current assets and disposal groups classified as held for sale&#8221; and &#8220;Liabilities included in disposal groups classified as held for sale&#8221; of the consolidated balance sheet as of December 31, 2020, and the earnings from these companies for the first five months of 2021 and the earnings for the year ended December 31, 2020 were classified under the heading "Profit (loss) after tax from discontinued operations" of the consolidated income statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NjM_81cfcdae-1cff-4928-a473-a5a5c3aab07e" continuedAt="i6af662ba299d4911949edba11eb7550e" escape="true">The condensed consolidated balance sheets as of December 31, 2021 and 2020, and the condensed consolidated income statements and condensed consolidated statements of cash flow of the companies held for sale in the United States the first five months of 2021 and for the year 2020 are provided below:</ix:nonNumeric></span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-132</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ibfe013ff34b7485583c8d704b09703d4" continuedAt="i28a8110fe1ec427b93283d2646e2a780"><ix:continuation id="i6af662ba299d4911949edba11eb7550e"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Condensed consolidated balance sheets of companies sold in the United States </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:73.014%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.844%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">CONDENSED CONSOLIDATED BALANCE SHEETS (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzItMi0xLTEtNzE0Nzc0_007341cf-aea2-4bc0-90bd-174963a7d2fc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzItMy0xLTEtNzE0Nzc0_368ec222-5d4e-4b84-a897-21e699b45872">11,368</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzMtMi0xLTEtNzE0Nzc0_e69efb61-1a54-4b8d-9304-4428fc52e123">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzMtMy0xLTEtNzE0Nzc0_f2b8d044-ddd5-4dbd-b459-c9f81e0919d1">821</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzQtMi0xLTEtNzE0Nzc0_0a095957-d90e-4f51-99bc-907425714885">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzQtMy0xLTEtNzE0Nzc0_cab1f249-054f-49f7-a3c2-435f7628f2c2">13</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzUtMi0xLTEtNzE0Nzc0_1454499e-9814-438a-932a-8689c1e7b82d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzUtMy0xLTEtNzE0Nzc0_863bd89a-8d03-4fd6-8c38-6d16eafaba8e">4,974</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzYtMi0xLTEtNzE0Nzc0_a0a90c29-0a42-482d-a8d1-4f774b978908">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzYtMy0xLTEtNzE0Nzc0_0c4e3aa4-2c36-414a-b530-cf076447dea2">61,558</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives - Hedge accounting</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzctMi0xLTEtNzE0Nzc0_d6456b62-c66c-4bf0-ae9e-65fc1e8b3d58">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzctMy0xLTEtNzE0Nzc0_44147ac1-dc6e-4910-9227-a7a659df1c6f">9</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:TangibleAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzgtMi0xLTEtNzE0Nzc0_aa168a62-1bc8-479c-a62c-16ce099e246d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzgtMy0xLTEtNzE0Nzc0_d4a19929-7954-415a-9e9d-636fd2ad288f">799</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzktMi0xLTEtNzE0Nzc0_fe413f29-907e-46ab-bb98-db3141e954b1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzktMy0xLTEtNzE0Nzc0_7b618f84-b96a-418a-b03d-abccd37fc3bb">1,949</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:TaxAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzEwLTItMS0xLTcxNDc3NA_4837d177-7c04-4576-8b77-1704652bbf90">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="bbva:TaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzEwLTMtMS0xLTcxNDc3NA_77b6df14-20e6-4396-86af-907813e90326">360</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzExLTItMS0xLTcxNDc3NA_80069291-f9e2-424d-ae11-9b4602d72e59">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzExLTMtMS0xLTcxNDc3NA_21e176f1-d333-49e9-8cc0-b222399f4db0">1,390</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets and disposal groups classified as held for sale</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzEyLTItMS0xLTcxNDc3NA_97a6ccf4-b814-49f3-99c2-59871f2aaabd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzEyLTMtMS0xLTcxNDc3NA_c5e55395-7cf4-4187-8174-3aa07ced5fa4">16</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:Assets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzEzLTItMS0xLTcxNDc3NA_0bfb4e0a-1603-435d-9009-d856b678d28c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzEzLTMtMS0xLTcxNDc3NA_bbabc8be-ea7a-4ad4-8df5-4100827805b9">83,257</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE2LTItMS0xLTcxNDc3NA_601cb6ae-7059-4f09-bc99-9173d8b9ea0b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE2LTMtMS0xLTcxNDc3NA_3ac1c863-165f-4677-b595-a9ea35b53b07">98</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE3LTItMS0xLTcxNDc3NA_acd718ef-b622-4fdd-ba68-c4a667c99734">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE3LTMtMS0xLTcxNDc3NA_caa7a88f-b49e-40b1-aad5-e2bbe3e35a28">73,132</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives - Hedge accounting</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE4LTItMS0xLTcxNDc3NA_0c4676ce-0ffe-4e6f-a42e-20f6e83d8e44">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE4LTMtMS0xLTcxNDc3NA_4f738006-3f17-4b5b-aca0-a3a8272e6aef">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE5LTItMS0xLTcxNDc3NA_bdea6b7f-e32e-40b8-b03d-48a3160dbb51">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:Provisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzE5LTMtMS0xLTcxNDc3NA_0367181a-c343-443c-a0ce-507c66894fa3">157</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:TaxLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzIwLTItMS0xLTcxNDc3NA_eccc48f2-9443-4ee0-9a67-f78f8e4cb381">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="bbva:TaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzIwLTMtMS0xLTcxNDc3NA_b0e523bf-0479-4b18-b978-18fbdc2acfcc">201</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzIxLTItMS0xLTcxNDc3NA_815ed885-f44f-46fe-8926-6a81988d261f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:OtherLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzIxLTMtMS0xLTcxNDc3NA_b340c8fd-065c-4de9-be4a-0badb0fbb155">492</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzIyLTItMS0xLTcxNDc3NA_3e983792-2c89-42f8-9522-484ffdcbc6f5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzIyLTMtMS0xLTcxNDc3NA_d0e375c5-b73d-44a6-96f8-abd46202dcc9">74,082</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains (losses) on defined benefit pension plans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI1LTItMS0xLTcxNDc3NA_891ecfab-fdec-44e5-a394-cc1a27824eff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI1LTMtMS0xLTcxNDc3NA_a3f6114f-f374-4a5a-b723-61465f05995c">66</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI2LTItMS0xLTcxNDc3NA_9b6667aa-fa2d-4cff-9df7-07ec7ad79019">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI2LTMtMS0xLTcxNDc3NA_19f829e9-051c-4715-8138-cd99e6ecc99b">432</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency translation </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:ForeignCurrencyTranslation" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI3LTItMS0xLTcxNDc3NA_6410bf16-c2b7-480a-b3b4-e8c53cb04958">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="bbva:ForeignCurrencyTranslation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI3LTMtMS0xLTcxNDc3NA_9aaa1ce6-f113-4d03-bba4-2d7745361558">801</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives. Cash flow hedges (effective portion)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI4LTItMS0xLTcxNDc3NA_c1968ad0-3929-4bee-8f7c-7ac9d711e2c6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI4LTMtMS0xLTcxNDc3NA_1c6deda3-f0a7-46c4-8bd1-8e5fee80569a">250</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value changes of debt instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI5LTItMS0xLTcxNDc3NA_b8f29f38-d8f9-452d-a073-6ed6ae75adff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzI5LTMtMS0xLTcxNDc3NA_387674de-d0f8-430f-b2e5-cef5264766f1">70</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec25965fe3f24a15b89cbe67b9255f79_I20211231" decimals="-6" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzMwLTItMS0xLTcxNDc3NA_9198fa1d-7454-4994-b43a-7b369c2b91a5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78630fb630f749e59a94ac4d6b147122_I20201231" decimals="-6" name="ifrs-full:AccumulatedOtherComprehensiveIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiNTA1ODg5Y2Q3YTQ0NmQ3OTliNTcxMWQ1YzA0ZmY1Ni90YWJsZXJhbmdlOmI1MDU4ODljZDdhNDQ2ZDc5OWI1NzExZDVjMDRmZjU2XzMwLTMtMS0xLTcxNDc3NA_78214a85-7640-4f72-92f5-ee901a428104">622</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-133</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i28a8110fe1ec427b93283d2646e2a780" continuedAt="i84ac9dda8779486f9e85ca6c2ddf81f2"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NTc_3255aee6-6389-43cb-9282-c0b806f75e3b" escape="true"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Condensed consolidated income statements of companies sold in the United States</span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:73.014%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.844%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">CONDENSED CONSOLIDATED INCOME STATEMENTS (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021 &#8317;&#185;&#8318;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzItMi0xLTEtNzE0Nzc0_14aadefa-7827-4efc-b22b-644360d4cb47">974</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzItMy0xLTEtNzE0Nzc0_a62272fe-fd31-488d-889e-5e0cf2aa3a10">2,638</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:InterestExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMtMi0xLTEtNzE0Nzc0_0548388e-f1a0-4eb7-8f09-cdf3cc9a2ecf">53</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:InterestExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMtMy0xLTEtNzE0Nzc0_b0b44595-51f2-44d9-911d-4451b97607d0">429</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">NET INTEREST INCOME</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzQtMi0xLTEtNzE0Nzc0_04721a23-2746-4622-a405-2295c8214727">921</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzQtMy0xLTEtNzE0Nzc0_ad65ab58-4634-4bc1-a836-4b6003270d31">2,209</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income </span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzUtMi0xLTEtNzE0Nzc0_bd71b8a2-7ce4-4d6b-944f-177361bb800a">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzUtMy0xLTEtNzE0Nzc0_738f5bcf-2db7-4913-8fe5-a368de6afa23">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzYtMi0xLTEtNzE0Nzc0_6e0fb5fe-67c9-484e-9542-8203ed8c4e4c">285</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzYtMy0xLTEtNzE0Nzc0_d37f3026-f874-4e26-8887-bbe5b4d2bb6f">677</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzctMi0xLTEtNzE0Nzc0_cd3ff5ca-6034-4203-b719-9cede8474399">86</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzctMy0xLTEtNzE0Nzc0_724a2d5b-c108-4294-a453-c7817d76970a">183</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" sign="-" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzgtMi0xLTEtNzE0Nzc0_83a7f375-ac70-4447-b76b-30d15157d482">4</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzgtMy0xLTEtNzE0Nzc0_6b8ed8e8-8059-4291-afe6-d73e52315f54">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities held for trading, net</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzktMi0xLTEtNzE0Nzc0_e0671cb9-81ce-462a-9bdc-e0ced43550df">26</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzktMy0xLTEtNzE0Nzc0_3c652f43-9f8a-4800-b36a-479f7f8606c0">90</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzEwLTItMS0xLTcxNDc3NA_ce0c1d0d-94bd-4e45-9d5b-267d156bd852">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzEwLTMtMS0xLTcxNDc3NA_8dc83247-31db-4b1f-a008-d3a688024c04">8</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzExLTItMS0xLTcxNDc3NA_346ee5da-dee3-47d7-bbba-d0152a46b3b2">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzExLTMtMS0xLTcxNDc3NA_b7c781f8-b5a1-4b40-8e96-62108fddeecc">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) from hedge accounting, net </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzEyLTItMS0xLTcxNDc3NA_069033d3-d131-4e72-9dd2-1703caf85552">1</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzEyLTMtMS0xLTcxNDc3NA_80426465-65ea-4561-8c02-93701c27c863">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences, net</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzEzLTItMS0xLTcxNDc3NA_65040962-746b-4e6a-b14e-86205c8f35cd">5</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzEzLTMtMS0xLTcxNDc3NA_d7113c7b-d702-40b0-949b-9de4bf6b41d7">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other operating income </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE0LTItMS0xLTcxNDc3NA_54ea6b02-c32e-4711-88e8-b7825b5cafcc">9</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE0LTMtMS0xLTcxNDc3NA_09640f5e-d19b-44a0-a98f-f4cf59dbb1f2">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other operating expense</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE1LTItMS0xLTcxNDc3NA_26f5b694-9b96-41db-8b59-38fb330a103f">30</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE1LTMtMS0xLTcxNDc3NA_e4f6823d-c8c0-46f4-96e9-eea17db5a271">63</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">GROSS INCOME</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE2LTItMS0xLTcxNDc3NA_c5b9a043-acdf-490b-bd3d-bffb16f5b79c">1,132</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE2LTMtMS0xLTcxNDc3NA_d49cb5e6-fd57-4d8c-838f-bbcee679c220">2,808</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administration costs</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:AdministrativeExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE3LTItMS0xLTcxNDc3NA_8b7c95a4-26da-4243-999f-709ec91595ea">661</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE3LTMtMS0xLTcxNDc3NA_5f286c1e-7e9a-4128-a54e-19f17dba1f07">1,462</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE4LTItMS0xLTcxNDc3NA_5f6bbfe1-4bd2-40fc-af69-b0d7f05af039">80</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE4LTMtMS0xLTcxNDc3NA_6dfa8599-c464-45b9-92b0-6a77c53b5aa7">205</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions or reversal of provisions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" sign="-" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE5LTItMS0xLTcxNDc3NA_eb0e4e95-1f9d-4c21-9d09-470c6f467b08">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" sign="-" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzE5LTMtMS0xLTcxNDc3NA_8eab1b4f-cf24-41a4-85ed-4a707bb31c12">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIwLTItMS0xLTcxNDc3NA_07a687f1-feb7-427c-9c9a-47966692d6e4">66</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIwLTMtMS0xLTcxNDc3NA_2549ffb5-5e37-4fca-9bfd-6ba716e6e9e8">729</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">NET OPERATING INCOME</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIxLTItMS0xLTcxNDc3NA_5e20827c-9e82-45ff-a378-2f7fcdd81490">330</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIxLTMtMS0xLTcxNDc3NA_34325d40-836c-4dfb-8cd5-0dff2f339aea">413</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment or reversal of impairment on non-financial assets</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIyLTItMS0xLTcxNDc3NA_0bf50db5-185f-4e02-b36d-801013317450">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIyLTMtMS0xLTcxNDc3NA_ad75bc8f-58c1-42ca-8e3c-f8cd6a7d7049">2,084</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of non-financial assets and subsidiaries, net</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" sign="-" name="bbva:GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIzLTItMS0xLTcxNDc3NA_04e9ee93-5644-4543-8384-4ecfce025858">2</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" sign="-" name="bbva:GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzIzLTMtMS0xLTcxNDc3NA_3530e2dc-b57a-49ed-ac3d-818383564740">3</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations    </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI1LTItMS0xLTcxNDc3NA_2d891691-7b2d-474c-adac-114dcfe2749b">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI1LTMtMS0xLTcxNDc3NA_d4ea3b4e-5888-4e73-9d7d-369999fad0bd">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PROFIT (LOSS) BEFORE TAX</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI2LTItMS0xLTcxNDc3NA_61c13509-f34e-4226-966a-791c83fc9f9e">330</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI2LTMtMS0xLTcxNDc3NA_075ee940-1853-422c-b4de-46c83d885efc">1,671</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense or income related to profit or loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI3LTItMS0xLTcxNDc3NA_13101c20-e07b-4713-8d76-ac9f8a88236d">80</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI3LTMtMS0xLTcxNDc3NA_74d88dc3-7041-4648-80c6-59fd61949713">57</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PROFIT (LOSS) AFTER TAX</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI4LTItMS0xLTcxNDc3NA_114669f4-b1bb-400c-8136-fc0e23a3fee4">250</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI4LTMtMS0xLTcxNDc3NA_4a89d285-448e-40d5-bb9b-5c5007786599">1,729</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) after tax from the sale</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI5LTItMS0xLTcxNDc3NA_97a66141-1545-4a95-a1e0-62954125381c">29</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzI5LTMtMS0xLTcxNDc3NA_a3790600-0e0f-49fe-a142-700a2dc93226">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PROFIT (LOSS) FOR THE PERIOD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMwLTItMS0xLTcxNDc3NA_4364a9a8-3868-4e56-8968-eecdd6823ff0">280</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMwLTMtMS0xLTcxNDc3NA_062a7ac5-248c-46e4-afc4-323456ea9892">1,729</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ATTRIBUTABLE TO MINORITY INTEREST (NON-CONTROLLING INTEREST)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMxLTItMS0xLTcxNDc3NA_fc8f1766-157d-469a-96a9-88bc776bc6e7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMxLTMtMS0xLTcxNDc3NA_997eab80-757d-4fc4-8e48-5390911a5ab4">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ATTRIBUTABLE TO OWNERS OF THE PARENT</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e313b26c7b24dd5962f4af6e52354dd_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMyLTItMS0xLTcxNDc3NA_826d0a4f-5d7f-433c-9a95-e06892cf796c">280</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie33d37860164409fa55dca075227814a_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTpiM2M1OTI3ZjIyZWQ0YmViOGJhNmVmZTY4MDI5YTM5Ny90YWJsZXJhbmdlOmIzYzU5MjdmMjJlZDRiZWI4YmE2ZWZlNjgwMjlhMzk3XzMyLTMtMS0xLTcxNDc3NA_5a776301-295d-47d7-a663-5f6f540cf0e7">1,729</ix:nonFraction>)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3NzI0MzYwNDY1ODAx_78480d2f-ed4a-4a6e-ad65-f1c830c89373" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Corresponds to the first five months of 2021 (See Note 3).</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3NzI0MzYwNDY2NTE0_bba27342-30e8-4a3b-a84d-c39f4175a5d1" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Cumulative profit net of taxes earned and recognized by BBVA Group in relation to the sale of BBVA USA Bancshares was &#8364;582 million, corresponding to the results generated by the entities within the scope of the sale agreement from the date of the agreement to the closing date of the agreement, plus the profit after tax on the sale as of the closing.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:6pt;text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NTQ_56ba1cd1-d1de-44ea-a20f-056d89a2efa9" escape="true"><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Condensed consolidated statements of cash flows of companies sold in the United States</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:73.014%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.844%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#5ac4c4;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021 &#8317;&#185;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A) CASH FLOWS FROM OPERATING ACTIVITIES</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i301357ea58f54adb8bf835a39380f305_D20210101-20211231" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivitiesContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzItMy0xLTEtNzE0Nzc0_12dff0ed-40a3-4201-bcda-ca38683123cd">62</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12183c8bf90b4862bf655f6eef491277_D20200101-20201231" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzItNC0xLTEtNzE0Nzc0_5ef24633-60fc-4c52-a887-18b114efd404">6,874</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">B) CASH FLOWS FROM INVESTING ACTIVITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i301357ea58f54adb8bf835a39380f305_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzMtMy0xLTEtNzE0Nzc0_fe2bf357-8068-4201-8afb-90d79afa49ed">34</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i12183c8bf90b4862bf655f6eef491277_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzMtNC0xLTEtNzE0Nzc0_dc59c3cb-3efe-4698-8695-7caf95494ed8">145</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">C) CASH FLOWS FROM FINANCING ACTIVITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i301357ea58f54adb8bf835a39380f305_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzQtMy0xLTEtNzE0Nzc0_24e1b9be-678f-4021-9e33-537de7fda28d">26</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i12183c8bf90b4862bf655f6eef491277_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesContinuingOperations" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzQtNC0xLTEtNzE0Nzc0_8c4704c4-80ec-4fa9-bbc2-f55726150a86">65</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">D) EFFECT OF EXCHANGE RATE CHANGES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i301357ea58f54adb8bf835a39380f305_D20210101-20211231" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzUtMy0xLTEtNzE0Nzc0_d4d7da8e-1b1d-4703-86e1-0d0e7a4cea2e">60</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i12183c8bf90b4862bf655f6eef491277_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzUtNC0xLTEtNzE0Nzc0_5c8778d6-2c8e-455b-baae-38c3d2cd9acf">974</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">INCREASE (DECREASE) NET CASH AND CASH EQUIVALENTS (A+B+C+D)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i301357ea58f54adb8bf835a39380f305_D20210101-20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzYtMy0xLTEtNzE0Nzc0_d59050a2-124e-4b5a-915d-f73de8c9d9b9">62</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12183c8bf90b4862bf655f6eef491277_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTphMWJiYTlmZDNjOWM0MTNjYjE0MTYxYzlhNzZhYmM1My90YWJsZXJhbmdlOmExYmJhOWZkM2M5YzQxM2NiMTQxNjFjOWE3NmFiYzUzXzYtNC0xLTEtNzE0Nzc0_72448054-c927-4a91-aca4-b3cbba2a78a2">5,690</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3NzI0MzYwNDY2NjQx_8ff79ba4-c6f1-4597-a9d5-7417b322146f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Corresponds to the first five months of 2021 (See Note 3).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-134</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i84ac9dda8779486f9e85ca6c2ddf81f2" continuedAt="if39661271f744b68ad0244d5031b614c"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NTg_2cc849d1-e67d-4e8a-aee1-2b93b0f9ab85" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Effects of disposal on the financial position of the Group</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:83.953%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.847%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EFFECT OF DISPOSAL ON THE FINANCIAL POSITION OF THE GROUP (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">June</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzItMS0xLTEtNzE0Nzc0_48f4c527-20c5-4d47-906c-d9606dcb60e1">11,476</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzMtMS0xLTEtNzE0Nzc0_532cb7dd-b107-4a18-88fa-53288081bb1d">638</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzQtMS0xLTEtNzE0Nzc0_eca6648e-acaa-43d2-818f-995ea3a2ee2a">15</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzUtMS0xLTEtNzE0Nzc0_9a535376-304a-4939-99f6-7128b0c81ca8">4,620</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzYtMS0xLTEtNzE0Nzc0_b86e9752-e371-46ae-b1cf-0c7a49f27632">61,440</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives - Hedge accounting</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzctMS0xLTEtNzE0Nzc0_8b8a7b3b-f766-4662-9058-bed6717e3c26">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="bbva:TangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzgtMS0xLTEtNzE0Nzc0_6da8c553-ee4b-4933-845f-997a43581c75">788</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzktMS0xLTEtNzE0Nzc0_68af4364-7cae-4ed5-baea-4960b9ff5927">1,938</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="bbva:TaxAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzEwLTEtMS0xLTcxNDc3NA_a509f255-4f22-46a0-b014-9bf71da5b1ed">349</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzExLTEtMS0xLTcxNDc3NA_a3d408a6-d12f-49c8-be10-dbf5102e259a">1,439</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets and disposal groups classified as held for sale</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzEyLTEtMS0xLTcxNDc3NA_937ef67a-386e-4d29-a7a9-a5167db2d6b8">10</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzEzLTEtMS0xLTcxNDc3NA_4bda1739-b78a-47ad-9574-bdd55d6171ac">82,720</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzE0LTEtMS0xLTcxNDc3NA_b04b38a1-cc5f-4aa0-927d-4df2b076aa6b">129</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzE1LTEtMS0xLTcxNDc3NA_e9ecc79b-35e4-405b-98ee-fa35842187dd">72,357</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:Provisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzE2LTEtMS0xLTcxNDc3NA_0b919a08-7826-4531-8e5b-625f6099a25b">156</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax liabilities </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="bbva:TaxLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzE3LTEtMS0xLTcxNDc3NA_0bffb616-a30b-4718-a227-2b9d4153994d">207</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:OtherLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzE4LTEtMS0xLTcxNDc3NA_df653f8e-57ac-49a9-8625-b40d7cefe78f">491</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzE5LTEtMS0xLTcxNDc3NA_0ac39543-e58a-4de1-a4ce-907f91d538f8">73,341</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net assets/liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9afca70a0c8e464a8bdf62af7a001b58_I20210630" decimals="-6" sign="-" name="bbva:TotalNetAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzIwLTEtMS0xLTcxNDc3NA_680868de-2a64-41a8-8220-f6e51612f703">9,378</ix:nonFraction>)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EFFECT ON NET CASH OUTFLOWS FROM DISCONTINUED OPERATIONS - USA (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">June</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consideration received satisfied in cash</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7655c9780684bf18b8edf1cf2f58728_I20210630" decimals="-6" name="bbva:ConsiderationReceivedSatisfiedInCashUSA" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzI0LTEtMS0xLTcxNDc3NA_268da810-8f27-4589-93b4-2f3fd19da96f">9,512</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and cash equivalents disposed of</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie7655c9780684bf18b8edf1cf2f58728_I20210630" decimals="-6" sign="-" name="bbva:CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzI1LTEtMS0xLTcxNDc3NA_c7ea079c-90cf-4d02-be9d-15f71fa910ac">11,476</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash outflows from discontinued operations - USA</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie7655c9780684bf18b8edf1cf2f58728_I20210630" decimals="-6" sign="-" name="bbva:TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzI2LTEtMS0xLTcxNDc3NA_d1756c4d-ef56-45a2-a987-78f7d7d4f03d">1,964</ix:nonFraction>)</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EFFECT OF THE MOST SIGNIFICANT SALES OF NON-CURRENT ASSETS HELD FOR SALE OF THE BBVA GROUP REFLECTED IN THE CONSOLIDATED STATEMENT OF CASH FLOWS (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consideration received satisfied in cash - USA</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f6cfa65c23548d1a64ca109cead67ed_I20210630" decimals="-6" name="bbva:ConsiderationReceivedSatisfiedInCashUSA" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzMwLTEtMS0xLTcxNDc3NA_80bc270a-2c6c-487c-8449-6bb6dddf59d8">9,512</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consideration received satisfied in cash - Divarian</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ConsiderationReceivedSatisfiedInCashDivarian" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzMxLTEtMS0xLTcxNDc3NA_9286aeb4-8257-4613-afd4-da470bad603c">513</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consideration received satisfied in cash - Paraguay</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ConsiderationReceivedSatisfiedInCashParaguay" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzMyLTEtMS0xLTcxNDc3NA_fcc857bb-2ec1-436d-82af-eaeca8a7a643">210</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collections from non-current assets and liabilities for sale</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzMzLTEtMS0xLTcxNDc3NA_009204f6-b0dd-4922-be89-faf9e626444e">435</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total cash received from non-current assets and liabilities for sale</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalCashReceivedFromNonCurrentAssetsAndLiabilitiesForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozNGE4MjM1MDc0ZDU0ZmQ4OWUzYjFlN2IyYWRmN2EzNC90YWJsZXJhbmdlOjM0YTgyMzUwNzRkNTRmZDg5ZTNiMWU3YjJhZGY3YTM0XzM0LTEtMS0xLTcxNDc3NA_8188d597-0a3f-42fa-848c-215db1fb55c6">10,670</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-135</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="if39661271f744b68ad0244d5031b614c"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Non-current assets and disposal groups classified as held for sale</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzE2NDg_f3d50c72-53a6-43cf-839b-47b72c1fe130" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in the balances of &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in 2022, 2021 and 2020, are as follows: </span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.661%"><tr><td style="width:1.0%"></td><td style="width:23.860%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.676%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-current assets and disposal groups classified as held for sale (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Foreclosed assets</span></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Property, Plant and Equipment</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline"> (1)</span></div></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Companies held for sale </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Cost (a)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf5977b1e0ec44a3a64779898c69156c_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtMi0xLTEtNzE0Nzc0_cee08e4d-870d-4ce7-8f3a-7fe4dc69a286">1,218</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9057672e9e1a41898f01ed9a6ab681f7_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtMy0xLTEtNzE0Nzc0_b090cf31-f1a0-4084-9b9b-a4b43c238a74">1,398</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8780edd5ba3346508b66364950f58ad9_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtNC0xLTEtNzE0Nzc0_9b1ab956-bb09-40c0-b0c7-078c2ab7cd49">1,648</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i693ac9db761c4f8ab68586a817c54f28_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtNS0xLTEtNzE0Nzc0_635ded33-8d09-4081-ae33-6eba5ebaaeac">452</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52ba34e864fa4f5290a90945b83d8b63_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtNi0xLTEtNzE0Nzc0_fbb6c67b-ae7c-4cba-9337-399df38f230b">391</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic348df2a1b00474b87c06af8c4b299d7_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtNy0xLTEtNzE0Nzc0_dec361a1-491e-43d4-a4a3-008ba06a9925">258</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e0d73dc20cd4467a2d037ae7eb33d60_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtOC0xLTEtNzE0Nzc0_9f669adb-5c25-4137-bbce-ee0dfe3121f0">41</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc25425273d84621a4d368e56662d07e_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtOS0xLTEtNzE0Nzc0_1b55ee10-020f-4bee-a66b-978a1db2f764">84,792</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1dc7f0131dd7489ba2294f9ff290552e_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtMTAtMS0xLTcxNDc3NA_ca26d161-cda6-4fcf-85e7-23556ccb5b8e">1,716</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1099c1c76d2f459b9eb8de00f45f88d2_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtMTEtMS0xLTcxNDc3NA_d56eede6-a4cf-4acc-971c-547de35b9059">1,711</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7e20ec05b4c4d0888f2e23750486dd5_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtMTItMS0xLTcxNDc3NA_4e59c421-1635-43cb-9c4e-38bfa13b10ee">86,581</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6f28b5446bc64e0bbaf85804268116f9_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzMtMTMtMS0xLTcxNDc3NA_1bf3e12b-f827-49f6-ac32-a750157f38d4">3,622</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Additions </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i234291bcefc743a4bf539c2eeb1a3996_D20220101-20221231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtMi0xLTEtNzE0Nzc0_3e7d4b4b-3131-4410-8458-0fe255fc1f37">211</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7edd8b23d12b46acb4162bda4621d79c_D20210101-20211231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtMy0xLTEtNzE0Nzc0_dd67d5c3-b581-4876-a489-88eab80a240e">245</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib9cca5763d1443cfb7c31e58801ccdee_D20200101-20201231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtNC0xLTEtNzE0Nzc0_a2c9265a-2c1a-4010-9119-da626285238d">285</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0911fc728bdd4da0abbb3abd05db4c42_D20220101-20221231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtNS0xLTEtNzE0Nzc0_4992d6c6-fa60-4403-a2b0-b703cbaa9a0c">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29c47b25cdf74099a5d9a4033b6a1097_D20210101-20211231" decimals="-6" name="bbva:Additions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtNi0xLTEtNzE0Nzc0_8eee0857-3f06-4eaa-8746-3b1334c44e47">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52694c3eea4f4987840cc12ac12a1ee7_D20200101-20201231" decimals="-6" name="bbva:Additions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtNy0xLTEtNzE0Nzc0_7086e2b3-0486-4280-8fea-7ee911f6f84f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i008400ec3d64471f8392b5b271f88ad4_D20220101-20221231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtOC0xLTEtNzE0Nzc0_af2ca445-604b-4d80-9902-6f34f290aa46">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee7d969b22bd4fc499a167efceb8ca1f_D20210101-20211231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtOS0xLTEtNzE0Nzc0_f9f7a5ce-c5a8-4797-9682-d79b2c41f824">522</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide55946811374162af1eac7ff2b3ae59_D20200101-20201231" decimals="-6" name="bbva:Additions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtMTAtMS0xLTcxNDc3NA_92c7278c-01b6-4807-8f2f-c9f18e6c21f4">83,266</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93d4e5678d404fdfbd306a3536c93e81_D20220101-20221231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtMTEtMS0xLTcxNDc3NA_1453f99b-7dde-4c15-af1c-d0a2b67a7466">214</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad17a967cc604043b0d6f0bb27fbde40_D20210101-20211231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtMTItMS0xLTcxNDc3NA_c2db5fd2-03f3-4d1a-bdec-b7f603e5e738">768</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b111b5e2d9045ed93f1b1dc0879e9cc_D20200101-20201231" decimals="-6" name="bbva:Additions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzQtMTMtMS0xLTcxNDc3NA_954659bc-7499-40c8-ae00-a97c1587382d">83,551</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contributions from merger transactions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzUtMTEtMS0xLTcxNDc3NA_1455829a-297a-4d1b-b7db-504ac6407221">592</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad17a967cc604043b0d6f0bb27fbde40_D20210101-20211231" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i234291bcefc743a4bf539c2eeb1a3996_D20220101-20221231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtMi0xLTEtNzE0Nzc0_31bb8cf1-af4c-41a2-abcb-a8250378499d">353</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7edd8b23d12b46acb4162bda4621d79c_D20210101-20211231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtMy0xLTEtNzE0Nzc0_6ead2b37-d175-421e-ad36-f0fcf1ee4952">298</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib9cca5763d1443cfb7c31e58801ccdee_D20200101-20201231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtNC0xLTEtNzE0Nzc0_5c6f7d6f-f078-4867-846a-b83585b27a35">288</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0911fc728bdd4da0abbb3abd05db4c42_D20220101-20221231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtNS0xLTEtNzE0Nzc0_107b96fe-569c-444f-bd45-b3d7ec2d3b98">110</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i29c47b25cdf74099a5d9a4033b6a1097_D20210101-20211231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtNi0xLTEtNzE0Nzc0_95791086-db75-42d0-96be-bc29ce9ec12b">39</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i52694c3eea4f4987840cc12ac12a1ee7_D20200101-20201231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtNy0xLTEtNzE0Nzc0_f06fa80b-d60a-4fba-a977-c32aaceaef42">45</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i008400ec3d64471f8392b5b271f88ad4_D20220101-20221231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtOC0xLTEtNzE0Nzc0_be408a1b-6d9e-4dfb-a7ad-5086ec5ae14c">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iee7d969b22bd4fc499a167efceb8ca1f_D20210101-20211231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtOS0xLTEtNzE0Nzc0_d666267b-1568-4975-a8f2-5b43f065dc45">83,172</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ide55946811374162af1eac7ff2b3ae59_D20200101-20201231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtMTAtMS0xLTcxNDc3NA_474fb832-31c6-4a44-92ac-61f07dfff268">190</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i93d4e5678d404fdfbd306a3536c93e81_D20220101-20221231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtMTEtMS0xLTcxNDc3NA_a73f3aa7-24cf-4b8c-afdf-f967c30e9dd2">465</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iad17a967cc604043b0d6f0bb27fbde40_D20210101-20211231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtMTItMS0xLTcxNDc3NA_659a3da8-ae78-44e3-a5d9-620731c52063">83,509</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b111b5e2d9045ed93f1b1dc0879e9cc_D20200101-20201231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzYtMTMtMS0xLTcxNDc3NA_d7e7b2b1-f576-4cee-b898-fe96757c09f1">523</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers, other movements and exchange differences</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i234291bcefc743a4bf539c2eeb1a3996_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctMi0xLTEtNzE0Nzc0_4e964659-ac8c-4ab1-8367-4fa8b2f68afd">6</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7edd8b23d12b46acb4162bda4621d79c_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctMy0xLTEtNzE0Nzc0_161a8ae3-c14e-4460-9351-a51e0b0bea47">127</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib9cca5763d1443cfb7c31e58801ccdee_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctNC0xLTEtNzE0Nzc0_908b8c75-c0f9-4eab-9f07-906a1886fbd3">228</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0911fc728bdd4da0abbb3abd05db4c42_D20220101-20221231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctNS0xLTEtNzE0Nzc0_d183a044-e074-46b8-9458-88f69222c10a">35</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29c47b25cdf74099a5d9a4033b6a1097_D20210101-20211231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctNi0xLTEtNzE0Nzc0_9e143af7-3c10-469b-a874-29361da162bc">100</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52694c3eea4f4987840cc12ac12a1ee7_D20200101-20201231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctNy0xLTEtNzE0Nzc0_75dbf12f-ecbe-41b8-878e-8fbcab9063fc">180</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i008400ec3d64471f8392b5b271f88ad4_D20220101-20221231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctMTEtMS0xLTcxNDc3NA_b2def259-04ea-4203-9aaf-78322a9ebc56">27</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iad17a967cc604043b0d6f0bb27fbde40_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzctMTItMS0xLTcxNDc3NA_6e4c2e7e-4a82-4228-b0f4-8aae762249c7">2,128</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b111b5e2d9045ed93f1b1dc0879e9cc_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" 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style="border-top:1pt solid #FFFFFF;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="iee7d969b22bd4fc499a167efceb8ca1f_D20210101-20211231" xsi:nil="true" name="bbva:DisposalsByCompaniesHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzgtOS0xLTEtNzE0Nzc0_763bf4ae-2493-4b19-9246-f44fca44fb11"></ix:nonFraction></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide55946811374162af1eac7ff2b3ae59_D20200101-20201231" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzgtMTAtMS0xLTcxNDc3NA_f7208f8c-9f2f-41c3-a0b5-bff22bbd7545">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93d4e5678d404fdfbd306a3536c93e81_D20220101-20221231" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzgtMTEtMS0xLTcxNDc3NA_da7067a8-0b3d-4d09-af3d-9b8895c0671d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad17a967cc604043b0d6f0bb27fbde40_D20210101-20211231" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzgtMTItMS0xLTcxNDc3NA_5bc5bb64-44bb-43d5-9333-89a9d057e2dc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3b111b5e2d9045ed93f1b1dc0879e9cc_D20200101-20201231" decimals="-6" sign="-" name="bbva:DisposalsByCompaniesHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzgtMTMtMS0xLTcxNDc3NA_f227ec0c-e68c-4a36-9ba0-76621fe2efe0">21</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd7c85317a424995a611baf3310a1a5b_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktMi0xLTEtNzE0Nzc0_58c24fac-2f8c-44b4-84ae-a93cfadc696d">1,070</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf5977b1e0ec44a3a64779898c69156c_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktMy0xLTEtNzE0Nzc0_c5d2f3be-1fcc-4d38-9443-4e01dd37ee5e">1,218</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9057672e9e1a41898f01ed9a6ab681f7_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktNC0xLTEtNzE0Nzc0_9b571497-02fe-4e74-a7f0-0acb6d5e5bf0">1,398</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5d4a401a6c14043830db9d947d9025f_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktNS0xLTEtNzE0Nzc0_9b57874c-cdbc-41f5-82ca-b1bd2d8ab4ac">970</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i693ac9db761c4f8ab68586a817c54f28_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktNi0xLTEtNzE0Nzc0_c58d52e4-cb6e-4789-ae2e-3d5f39a49235">452</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52ba34e864fa4f5290a90945b83d8b63_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktNy0xLTEtNzE0Nzc0_ae73b921-282f-4ebd-8d42-db469b150369">391</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i74ddd8b86864431c92b043b1fb5f0f12_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktOC0xLTEtNzE0Nzc0_0d37a30a-e77b-49ba-8dbd-31fbfdd668c6">39</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e0d73dc20cd4467a2d037ae7eb33d60_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktOS0xLTEtNzE0Nzc0_d671e4a5-22cc-4ea5-88b3-1086da575e20">41</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc25425273d84621a4d368e56662d07e_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktMTAtMS0xLTcxNDc3NA_c6fe0f26-9b02-4d6f-a51c-47dea98eff71">84,792</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa6f4cf7738f4f9b967514f189e74665_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktMTEtMS0xLTcxNDc3NA_8f1ae7a7-0c51-4f6a-9465-bdfaa5973a58">2,078</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1099c1c76d2f459b9eb8de00f45f88d2_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktMTItMS0xLTcxNDc3NA_a7098c63-c116-415a-a32a-edc15dec21c5">1,711</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7e20ec05b4c4d0888f2e23750486dd5_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzktMTMtMS0xLTcxNDc3NA_837dd046-a7bf-4147-915d-314c9cec529a">86,581</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Impairment (b)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib95435e18c6d4784bf0e32c7367e147b_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTItMS0xLTcxNDc3NA_cc42f354-b079-452d-9449-851c738362d7">381</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id38d49438f034cbe9276a77dd958d330_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTMtMS0xLTcxNDc3NA_d745b05c-0f1f-47af-879a-e6771e661711">386</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e41c23bed474c53a9b7f6d90f590c46_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTQtMS0xLTcxNDc3NA_82cc0b56-b053-48b6-9baf-48e22f8894a8">411</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01977f5c6142498a9f50bac0afdce526_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTUtMS0xLTcxNDc3NA_5ae03d1f-44ef-4953-8abd-21604d8711f4">269</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97a6e91ee6854f6b849a5ef9767b396d_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTYtMS0xLTcxNDc3NA_5b52e134-0869-4f30-a20f-0c32e2806b01">208</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9895fef98c6645c196f6425739f3e5a9_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTctMS0xLTcxNDc3NA_8dc282cb-859b-483a-a4bc-b90137e73bac">132</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf55735da7bc4794a655a3a40e886886_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTgtMS0xLTcxNDc3NA_11c24ba6-b123-420f-b392-246b28908e44">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8d521792c05494bbe7f9a23d7221499_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTktMS0xLTcxNDc3NA_2127731d-987b-4343-9288-bab4e4ee3e95">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id58fa195ba864f2b934e3503cbb7845b_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTEwLTEtMS03MTQ3NzQ_6d4355c1-92d2-41af-9e5d-f1b965c2dee5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55834998d9f04a708314024a24061952_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTExLTEtMS03MTQ3NzQ_78e5ef03-53d6-4161-a3af-545b836fab87">650</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib068d096a22d4470ac2d919ecab46ccc_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEyLTEyLTEtMS03MTQ3NzQ_812237db-4b93-4b3a-8aa4-4550fe9c5800">594</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i04dfd16af8d94753bb44da5588fda974_I20191231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" 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1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3c9209cab2d4cbb9af65888948fb986_D20220101-20221231" decimals="-6" name="bbva:Additions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzEzLTItMS0xLTcxNDc3NA_a41b37da-fd2c-4b13-bd0a-ecee337ada61">64</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61918051486945d0873731dd30e21303_D20210101-20211231" decimals="-6" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib3c9209cab2d4cbb9af65888948fb986_D20220101-20221231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE2LTItMS0xLTcxNDc3NA_4f4b75df-75aa-429c-b586-4ef80d6c56e9">102</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i61918051486945d0873731dd30e21303_D20210101-20211231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE2LTMtMS0xLTcxNDc3NA_aeeb4810-3293-4a28-b503-5666cd83c1f9">65</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i32e3f80f449b42558e80ef1d28508c5d_D20200101-20201231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE2LTExLTEtMS03MTQ3NzQ_bc152b7a-b980-40cc-956f-f37bc53d0821">148</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i906a3f76ad694d5b8a74e458cad10c03_D20210101-20211231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE2LTEyLTEtMS03MTQ3NzQ_48357941-beab-4591-b0d4-063ba050dfcb">78</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i09a52b0865fb47edb2835620dce9335a_D20200101-20201231" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE2LTEzLTEtMS03MTQ3NzQ_f9a95e42-a16d-4573-943d-01add8eefdb8">69</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other movements and exchange differences</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3c9209cab2d4cbb9af65888948fb986_D20220101-20221231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTItMS0xLTcxNDc3NA_73260a04-bfa9-4463-8989-766e0c9320ee">13</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61918051486945d0873731dd30e21303_D20210101-20211231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTMtMS0xLTcxNDc3NA_6151c95f-6af5-4799-b57d-f767a2b43e5b">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i32e3f80f449b42558e80ef1d28508c5d_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTQtMS0xLTcxNDc3NA_c45b3106-701d-4557-9b52-5898441622a8">42</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6ca8835144934dd4a91c31df4e5f0f83_D20220101-20221231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTUtMS0xLTcxNDc3NA_976d47ba-9b0c-47df-bc4b-ab383a23cd5c">320</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i95c7bfc7c9dd408ea6a815a159cf5b49_D20210101-20211231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTYtMS0xLTcxNDc3NA_f9b9d101-963d-4fbd-a7c0-ceb0b3e07fd1">12</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f255ba9e7884a658ec16a086221df35_D20200101-20201231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTctMS0xLTcxNDc3NA_2611771f-6b64-4dce-8024-80bf63806ce6">60</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b934cb7f00c42669eb15c6e509ef2fa_D20220101-20221231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTgtMS0xLTcxNDc3NA_903ad186-09b9-47f7-9eae-d26cacf6460a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15284185a7f44e76b6a1f62792589560_D20210101-20211231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTktMS0xLTcxNDc3NA_d6e48e03-1626-48f3-b7a2-b3e6b8e42ce7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ee6864dc83043a8822c4212cdd1538e_D20200101-20201231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTEwLTEtMS03MTQ3NzQ_5ac7b895-7608-438f-9827-5d585c9f4589">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i563e715147184b76a9662c7ecb98bbb2_D20220101-20221231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTExLTEtMS03MTQ3NzQ_c384b041-c526-467c-a9e5-4d829ff9969b">333</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i906a3f76ad694d5b8a74e458cad10c03_D20210101-20211231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTEyLTEtMS03MTQ3NzQ_3da41d33-677a-4a86-b4d0-1f3349f3410a">36</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09a52b0865fb47edb2835620dce9335a_D20200101-20201231" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE3LTEzLTEtMS03MTQ3NzQ_6e1a3d74-ac5a-4b7d-a651-fbf06d3211b1">18</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Disposals by companies held for sale</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE4LTEzLTEtMS03MTQ3NzQ_8225b6d2-639e-422c-9e17-edc66ef18168">1</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a9dba5d8c264e2085d820f107fbb5df_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTItMS0xLTcxNDc3NA_6a040c96-be52-4a06-bc8f-39699df18212">356</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib95435e18c6d4784bf0e32c7367e147b_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTMtMS0xLTcxNDc3NA_d699341e-bc4c-461b-a3de-0fe76f594d62">381</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id38d49438f034cbe9276a77dd958d330_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTQtMS0xLTcxNDc3NA_8708ad79-3113-43cb-b85d-5562afe91b35">386</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e858b520e9e42c19def561ac1ecb6ac_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTUtMS0xLTcxNDc3NA_a9e160b2-ccba-4754-9633-0f614349454a">701</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01977f5c6142498a9f50bac0afdce526_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTYtMS0xLTcxNDc3NA_65e523cf-4938-4e1b-b9d8-623222ee98c1">269</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97a6e91ee6854f6b849a5ef9767b396d_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTctMS0xLTcxNDc3NA_87417208-c7c9-48b6-9f9c-ac16d0b18b87">208</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i477fa52ffaa248bb81ef2e1528b35c2d_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTgtMS0xLTcxNDc3NA_ab337fee-ad02-4915-bdd7-cfd2e4695773">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf55735da7bc4794a655a3a40e886886_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTktMS0xLTcxNDc3NA_1f0d291f-baff-45dd-9d8f-aadf447f9a57">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8d521792c05494bbe7f9a23d7221499_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTEwLTEtMS03MTQ3NzQ_90887361-22e1-4bac-9f0c-a14557b05934">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97cbb455eb284deeb1dadabc45ef89e1_I20221231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTExLTEtMS03MTQ3NzQ_cec10acf-7f89-4e43-ad58-d20b8e537532">1,057</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55834998d9f04a708314024a24061952_I20211231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTEyLTEtMS03MTQ3NzQ_38e0cd1b-785e-40a7-b58d-f168a486e62a">650</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib068d096a22d4470ac2d919ecab46ccc_I20201231" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzE5LTEzLTEtMS03MTQ3NzQ_0af70ae0-0c65-41e7-b54e-834c5060eb87">594</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balance at the end of net carrying value (a)-(b)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a9dba5d8c264e2085d820f107fbb5df_I20221231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTItMS0xLTcxNDc3NA_b32257c1-8eac-4e78-9e20-feb8240f9bb9">714</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib95435e18c6d4784bf0e32c7367e147b_I20211231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTMtMS0xLTcxNDc3NA_daa5033f-31d7-4ae6-9c9c-f6abdc4993cd">837</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id38d49438f034cbe9276a77dd958d330_I20201231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTQtMS0xLTcxNDc3NA_5fd95d3b-5129-4f22-9ecb-2df8667eaee2">1,012</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e858b520e9e42c19def561ac1ecb6ac_I20221231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTUtMS0xLTcxNDc3NA_81c038bc-cdca-4dac-9682-8428911585f2">269</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01977f5c6142498a9f50bac0afdce526_I20211231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTYtMS0xLTcxNDc3NA_6f162212-50d6-4ac8-b4b4-30517b43bbb3">183</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97a6e91ee6854f6b849a5ef9767b396d_I20201231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTctMS0xLTcxNDc3NA_872b0a6a-0fb8-447e-b462-bec89ab72e42">183</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i477fa52ffaa248bb81ef2e1528b35c2d_I20221231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTgtMS0xLTcxNDc3NA_fb24830a-5972-4ddf-8b02-29483a6c9292">39</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf55735da7bc4794a655a3a40e886886_I20211231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTktMS0xLTcxNDc3NA_9e087dbc-4494-4301-b5e4-e0ed4f36603b">41</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8d521792c05494bbe7f9a23d7221499_I20201231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTEwLTEtMS03MTQ3NzQ_caa3d767-05bc-4a17-a261-93066baa6f89">84,792</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97cbb455eb284deeb1dadabc45ef89e1_I20221231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTExLTEtMS03MTQ3NzQ_fa94b7e8-7dd3-457a-954a-abb511623761">1,022</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i55834998d9f04a708314024a24061952_I20211231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTEyLTEtMS03MTQ3NzQ_03dd950d-62ca-4297-86a7-a629d20f53e2">1,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib068d096a22d4470ac2d919ecab46ccc_I20201231" decimals="-6" name="bbva:BalanceAtTheEndOfNetCarryingValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90YWJsZTozOGE4N2FhNGEwNmM0YTkxODE2MGIyYTYzY2ZmM2FlMy90YWJsZXJhbmdlOjM4YTg3YWE0YTA2YzRhOTE4MTYwYjJhNjNjZmYzYWUzXzIwLTEzLTEtMS03MTQ3NzQ_b267b2e8-8ab5-43f9-9725-355578f4f4ab">85,987</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3NzI0MzYwNDY2OTIx_39dbbf5b-e86e-4728-bc1f-a1bca55cae4c" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Net of accumulated amortization until assets were reclassified as &#8220;Non-current assets and disposal groups classified as held for sale&#8221;.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjUvZnJhZzo0ZWUwZDIzMWMwZGE0OWY3YjgwYjFkNTA3NzM3MzcwZS90ZXh0cmVnaW9uOjRlZTBkMjMxYzBkYTQ5ZjdiODBiMWQ1MDc3MzczNzBlXzU3NzI0MzYwNDY3MTE4_216f3713-1377-4d16-a2e3-3b941ee8eb5c" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) In 2020, the variation corresponds mainly to the USA Sale agreement of BBVA USA (see Note 3).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As indicated in Note 2.2.4, &#8220;Non-current assets and disposal groups held for sale&#8221; and &#8220;Liabilities included in disposal groups classified as held for sale&#8221; are valued at the lower amount between its fair value less costs to sell and its carrying amount. As of December 31, 2022, 2021 and 2020 practically all of the carrying amount of the assets recorded at fair value on a non-recurring basis equals their fair value.</span></div><div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Assets from foreclosures or recoveries</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, assets from foreclosures and recoveries, net of impairment losses, by nature of the asset, amounted to &#8364;478 million, &#8364;608 million and &#8364;747 million in assets for residential use; &#8364;199 million, &#8364;202 million and &#8364;215 million in assets for tertiary use (industrial, commercial or office) and &#8364;34 million, &#8364;19 million and &#8364;21 million in assets for agricultural use, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the years 2022, 2021 and 2020, some of the sale transactions for these assets were financed by Group companies. The amount of loans granted to the buyers of these assets in those years amounted to &#8364;43 million, &#8364;62 million and &#8364;78 million, respectively; with an average financing of 37% of the sales price during 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the amount of the profits arising from the sale of assets financed by Group companies that are not recognized in the consolidated income statement is not significant.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-136</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_868"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">22.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NjgvZnJhZzpmOWQ3ZTg3NTJmYTc0NDIzOTY2Y2Q1MzEzNDYyMmFhYS90ZXh0cmVnaW9uOmY5ZDdlODc1MmZhNzQ0MjM5NjZjZDUzMTM0NjIyYWFhXzU_a060dab2-e023-4f6a-bcdd-72fc23d38c14" continuedAt="id65b67093e054572b9ff6694f1398807" escape="true">Financial liabilities at amortized cost</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_871"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-35.44pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:15.99pt"><ix:continuation id="id65b67093e054572b9ff6694f1398807" continuedAt="ica5060592e7347dbbb201b216e48f252">Breakdown of the balance</ix:continuation></span></div><ix:continuation id="ica5060592e7347dbbb201b216e48f252" continuedAt="ibb7699c108fa465d86f6540bfa7447cd"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FinancialLiabilitiesAtAmortisedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90ZXh0cmVnaW9uOjVkNWZhNWU3MTgxNjQ4ODhiYzVlNGUwZmI4MjY5YzNjXzM4MA_180cf9f6-f8dc-4f9f-9a3d-29e212fadf63" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under these headings in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:54.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.540%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities measured at amortized cost (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalDepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzItMS0xLTEtMTIxMzk4MA_9b4ea053-3783-4d07-b1c6-4a44e36da7ff">459,114</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalDepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzItMi0xLTEtMTIxMzk4MA_8dbfe671-b633-42ea-a131-aac3d1e34d21">416,947</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalDepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzItMy0xLTEtMTIxMzk4MA_471fc281-5880-4912-b526-0790f711d3fd">415,467</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzMtMS0xLTEtMTIxMzk4MA_b06d0c41-8c10-4917-b541-0db3054de3b7">38,323</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzMtMi0xLTEtMTIxMzk4MA_fa5869e9-39ad-4ff2-b2e2-5d74ed63bee3">47,351</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzMtMy0xLTEtMTIxMzk4MA_7f90bcbd-fb73-44a4-a4b7-98b46c66a684">45,177</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Demand deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib81610e4a07c460697d249f62e34f873_I20221231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzQtMS0xLTEtMTIxMzk4MA_8a13d7d5-932a-498b-9ebf-006dfc3f6887">205</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica8f4f225bdb4755a3ae465d70c2c390_I20211231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzQtMi0xLTEtMTIxMzk4MA_7d620fb4-5f69-43c4-a291-4255a9628fc2">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb9ab475a6e24a2792c304cf24addd98_I20201231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzQtMy0xLTEtMTIxMzk4MA_48c598d1-cac8-4b97-a1ae-147b1ba3ef9c">163</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Time deposits and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i603420bd08254e5494ddcd558e102156_I20221231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzUtMS0xLTEtMTIxMzk4MA_7ac1711c-cdd4-48ff-88ad-cde32d880003">33,534</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b4c01b33b20418b835c0ba718cc67fe_I20211231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzUtMi0xLTEtMTIxMzk4MA_7e3e56f6-d4bd-4602-9a92-2cb82b07e4d1">41,790</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b09b4e76c3a4e9fb91ba792d1ee76c3_I20201231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzUtMy0xLTEtMTIxMzk4MA_7d8e3451-7dd7-4eae-b8fb-0ccb2de8ef9a">38,274</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e06de1286264b2b866c46416bc73a06_I20221231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzYtMS0xLTEtMTIxMzk4MA_72d11b98-d184-489a-9dd4-1eccdf9ba99b">4,584</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i743a5b798d044fc7af7db1a20e63f296_I20211231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzYtMi0xLTEtMTIxMzk4MA_d14460b6-4b51-4cc7-81d0-522e5a62e96d">5,553</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d2d9403f984819a93932066d1a00c2_I20201231" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzYtMy0xLTEtMTIxMzk4MA_15539a20-b599-435f-b970-90000da4658e">6,740</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzctMS0xLTEtMTIxMzk4MA_7db7eabb-b918-471c-8aa3-7fa8480348e9">26,935</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzctMi0xLTEtMTIxMzk4MA_075e432f-08e0-488c-91d4-5931b0a3ed01">19,834</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzctMy0xLTEtMTIxMzk4MA_69a16ebd-0466-4cc2-8084-33a84ac45e1b">27,629</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Demand deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib81610e4a07c460697d249f62e34f873_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzgtMS0xLTEtMTIxMzk4MA_6011e4f0-e8da-4056-975d-94e752ff6dd9">11,434</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica8f4f225bdb4755a3ae465d70c2c390_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzgtMi0xLTEtMTIxMzk4MA_722d1465-9c73-4b4c-ac80-ab8d54c2d878">7,601</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb9ab475a6e24a2792c304cf24addd98_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzgtMy0xLTEtMTIxMzk4MA_50bee25a-d2e5-45dc-a99a-96970fe58910">7,196</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:22.5pt;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Time deposits and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i603420bd08254e5494ddcd558e102156_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzktMS0xLTEtMTIxMzk4MA_2326247e-3c4a-40ac-a3ff-8ff8d82e018f">11,787</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b4c01b33b20418b835c0ba718cc67fe_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzktMi0xLTEtMTIxMzk4MA_04cb399f-e175-4098-8069-a3711eacf897">8,599</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b09b4e76c3a4e9fb91ba792d1ee76c3_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzktMy0xLTEtMTIxMzk4MA_9fb6f61a-5b49-45aa-878e-416dd90fefbd">16,079</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e06de1286264b2b866c46416bc73a06_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEwLTEtMS0xLTEyMTM5ODA_bcd0b89f-5805-4841-892a-f6e158f71a71">3,714</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i743a5b798d044fc7af7db1a20e63f296_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEwLTItMS0xLTEyMTM5ODA_24df20ad-0553-401f-8e63-6e3dc2ada7dd">3,634</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d2d9403f984819a93932066d1a00c2_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEwLTMtMS0xLTEyMTM5ODA_afed1cce-6ec3-482b-aa07-35f15b964552">4,354</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 14.5pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzExLTEtMS0xLTEyMTM5ODA_66978b25-66a0-4c3b-9b31-1ed217278cfd">393,856</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzExLTItMS0xLTEyMTM5ODA_c935fdf8-04da-48cc-b42d-d0c61a40787b">349,761</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzExLTMtMS0xLTEyMTM5ODA_a67e5b44-03d6-4044-8bfa-08998344deab">342,661</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Demand deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib81610e4a07c460697d249f62e34f873_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEyLTEtMS0xLTEyMTM5ODA_3c3ca4f7-04ba-4f58-96b9-be186cffbdfb">316,082</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica8f4f225bdb4755a3ae465d70c2c390_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEyLTItMS0xLTEyMTM5ODA_4cf4e502-540a-4070-ab3f-cb17f5b65819">293,015</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb9ab475a6e24a2792c304cf24addd98_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEyLTMtMS0xLTEyMTM5ODA_5618525c-6472-440b-adb3-0bb24ed23cfc">266,250</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:22.5pt;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Time deposits and other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i603420bd08254e5494ddcd558e102156_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEzLTEtMS0xLTEyMTM5ODA_645a7b22-6c18-4cea-9ec5-740acfad69a3">75,516</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b4c01b33b20418b835c0ba718cc67fe_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEzLTItMS0xLTEyMTM5ODA_2d45cb93-9ec0-42e0-bd97-4e97fd16310a">55,479</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b09b4e76c3a4e9fb91ba792d1ee76c3_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzEzLTMtMS0xLTEyMTM5ODA_24a67a16-6dfb-4202-9df5-1cbb8f5523d3">75,666</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e06de1286264b2b866c46416bc73a06_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE0LTEtMS0xLTEyMTM5ODA_8a6d7ac0-4aa6-481b-b1e7-a78fe30ffd79">2,259</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i743a5b798d044fc7af7db1a20e63f296_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE0LTItMS0xLTEyMTM5ODA_870cc01d-25eb-4fd0-be41-5452bbaea0ff">1,267</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d2d9403f984819a93932066d1a00c2_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE0LTMtMS0xLTEyMTM5ODA_00e411e5-a0e7-4481-9989-e97ac822dd1d">746</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE1LTEtMS0xLTEyMTM5ODA_7c665028-8600-4451-b37a-4e7a8a0df3e2">55,429</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE1LTItMS0xLTEyMTM5ODA_0512552c-2754-4d27-b3e3-9468504f403b">55,763</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE1LTMtMS0xLTEyMTM5ODA_cc10be3e-fba4-428e-ab58-8b0972c24d49">61,780</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE2LTEtMS0xLTEyMTM5ODA_415cf577-8e99-4b94-9f4a-83f0f65a396e">14,086</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE2LTItMS0xLTEyMTM5ODA_a64f673a-a7aa-440f-8146-38136b98043c">15,183</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE2LTMtMS0xLTEyMTM5ODA_8e7f26e2-f060-4c6c-b55c-532149620e7e">13,358</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE3LTEtMS0xLTEyMTM5ODA_add0e1d5-6502-498a-9348-8f35ddc6ea50">528,629</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE3LTItMS0xLTEyMTM5ODA_6b51ef42-81f6-4896-9d3e-9a49d48c0f93">487,893</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzEvZnJhZzo1ZDVmYTVlNzE4MTY0ODg4YmM1ZTRlMGZiODI2OWMzYy90YWJsZTpmYjkwZWQ3MjBmZDA0ZjFjYTMxNTBmOGI0MDhlNWE3OS90YWJsZXJhbmdlOmZiOTBlZDcyMGZkMDRmMWNhMzE1MGY4YjQwOGU1YTc5XzE3LTMtMS0xLTEyMTM5ODA_b8c73753-b458-4716-ad76-c6c380078109">490,606</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_874"></div><ix:continuation id="ibb7699c108fa465d86f6540bfa7447cd" continuedAt="icada8603fbc84d23a4612a13037dae6c"><div style="margin-bottom:6pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The amount recorded in "Deposits from central banks - Time deposits" includes the drawdowns of the TLTRO III facilities of the European Central Bank, mainly by BBVA S.A., amounting to &#8364;26,711 million as of December 31, 2022, &#8364;38,692 million as of December 31, 2021 and &#8364;35,032 million as of December 31, 2020, after the partial repayment made in December 2022 (see Note 7.5).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On April 30, 2020, the European Central Bank modified some of the terms and conditions of the TLTRO III facilities in order to support the continued access of companies and households to bank credit in the face of interruptions and temporary shortages of funds associated with the COVID-19 pandemic. Entities whose eligible net lending exceeded 0% between March 1, 2020 and March 31, 2021 paid an interest rate 0.5% lower than the average rate of the deposit facilities during the period from June 24, 2020 to June 23, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On December 10, 2020, the European Central Bank extended the support via targeted lending operations (TLTRO), extending by twelve additional months, until June 2022, the period of application of favorable interest rates to credit institutions for which the net variation of their eligible loans, between October 1, 2020 and December 31, 2021, reached a given lending performance threshold. Additionally, the maximum borrowing amount was increased to 55% of the eligible loans (from 50% previously). This meant that the interest rate applicable to the outstanding operations was -1% provided that the lending objectives were met according to the conditions of the European Central Bank.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2021, the Group fulfilled these lending objectives. Therefore, the recognition of the favorable interest rate associated with the COVID-19 pandemic was recognized for the period from June 24, 2020 to June 23, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In its monetary policy decision of October 27, 2022, the ECB decided to adjust the interest rates applicable to TLTRO III from November 23, 2022 and offer credit institutions additional voluntary early repayment dates for these operations. In this sense, up to November 23, 2022, outside of special periods, the interest rate applicable to each drawdown is the average rate of the deposit facilities from the beginning of each drawdown until November 23. From November 23, 2022 until the maturity date or early redemption date of the corresponding TLTRO III operation, the interest rate applicable to the remaining TLTRO III operations will be indexed to the average applicable key ECB interest rates over this period. In December 2022, BBVA began the repayment of the TLTRO III program for an amount of &#8364;12 billion, corresponding to approximately a third of the total drawn amount.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The positive income generated by the drawdowns of the TLTRO III facilities was recorded under the heading of "Interest and other income &#8211; Other income" in the consolidated income statements (see Note 37.1), while the negative remuneration generated by the drawdowns of the TLTRO III facilities are recorded under "Interest expense" in the consolidated income statement.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-137</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_877"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="icada8603fbc84d23a4612a13037dae6c" continuedAt="i41ba1d2b9b064f6a836151c30baba122">Deposits from credit institutions</ix:continuation></span></div><ix:continuation id="i41ba1d2b9b064f6a836151c30baba122" continuedAt="i0297d7569e444154bb164db73a715263"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DepositsFromBanksTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90ZXh0cmVnaW9uOmQwOTU0OWYwMzlmYjRhMmQ4MTQ5MDE1YmVkZDc5OTAyXzE0Ng_f14020c0-a853-40e4-8af8-dfc2c961aaa0" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown by geographical area and the nature of the related instruments of this heading in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:36.188%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deposits from credit institutions (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Demand deposits </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Time deposits </span></div><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">and other </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchase agreements</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id66b791d6f7d4cc18d96a945848449c3_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzMtMS0xLTEtMTIwOTA3Nw_55c4c9ad-5b42-4074-bf7d-132518297fbd">1,215</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i208087b9ca63409db414677a67e302d3_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzMtMi0xLTEtMTIwOTA3Nw_a6ea9c19-38e4-425d-9b65-f8fef823f841">1,429</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic70389a740e6408bbf5cb5f8eb0ec2f3_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzMtMy0xLTEtMTIwOTA3Nw_faf7b974-9003-4553-9ef3-206c5db4d2fa">67</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ecaec67485c42038b939ea322dc6d65_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzMtNC0xLTEtMTIwOTA3Nw_3d431e40-0508-4a65-acde-f85b035820ff">2,709</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id573bd737c84443b949cf461959c6562_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzQtMS0xLTEtMTIwOTA3Nw_0aee7aea-18dd-44ee-90d0-171845e73cde">855</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91f4d95ee3fe495596a686fd9708dc2d_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzQtMi0xLTEtMTIwOTA3Nw_e1218108-232a-4685-b794-2fd52809b11b">732</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i46407576827b4ba8a1cd563e6c66153b_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzQtMy0xLTEtMTIwOTA3Nw_37cb23aa-69ae-4e71-877f-d60d44c9bae3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb8b05abf871438bb62185e372ab0da9_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzQtNC0xLTEtMTIwOTA3Nw_d123194e-b40f-4d9b-b55e-a64f5a0ccbc8">1,587</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i770247f9ebea41a7a511479ff89a931d_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzUtMS0xLTEtMTIwOTA3Nw_eb51869d-6efe-4adb-8613-4205fc151d09">10</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5d82ce1b73a43b39c96e70cada83317_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzUtMi0xLTEtMTIwOTA3Nw_a2843f85-3d21-40db-905a-b4dea31fbae5">633</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08f78b37d7e64cb5adfc37ddf6951c7a_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzUtMy0xLTEtMTIwOTA3Nw_2235e197-4bb3-46a0-8d30-d2569fb9add1">29</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ebf65e6fdf446bd80c9d94177de3c90_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzUtNC0xLTEtMTIwOTA3Nw_88dae011-0c1c-47d4-9b03-5d7987a36a3b">672</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id24b593b848941a08208fee5caab6dc6_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzYtMS0xLTEtMTIwOTA3Nw_33c91d64-1f0c-40ef-81d0-9f7705a79153">844</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6516176076f4603b1fb856f7fc7361a_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzYtMi0xLTEtMTIwOTA3Nw_b21fce70-9ba2-4dc6-a449-60e7ce5f2730">2,251</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5899435bef7410ba42565aa6051e030_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzYtMy0xLTEtMTIwOTA3Nw_3fd6c035-a901-4a8e-a8ed-9c93e5fa0277">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ce31d03f8a5479581ec3e1881d7fb8d_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzYtNC0xLTEtMTIwOTA3Nw_13c7757e-59b5-4be6-900c-74e6b68901a8">3,095</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i396cea80615a40df8faf013d3d7af55e_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzctMS0xLTEtMTIwOTA3Nw_ba170e07-1939-4031-bbb3-1c7b1a6111eb">3,613</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idec8978c2d82401283686b2819df2c83_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzctMi0xLTEtMTIwOTA3Nw_d6c2f5ab-a163-406c-951b-086225e7e17d">2,944</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1cd52c147e548298b12e22da5d20a0e_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzctMy0xLTEtMTIwOTA3Nw_cb875602-7fd4-4126-9a10-48dcb226decb">1,669</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i93bfa98182c148d9bce1a704acc7a402_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzctNC0xLTEtMTIwOTA3Nw_bec825e2-09c3-47aa-a0ee-813538b8be7b">8,226</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd27d51f79074f07a56abd8eedf93232_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzgtMS0xLTEtMTIwOTA3Nw_3c315b39-381e-45c3-8a62-9fbf74588b8f">4,897</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if33ad91838414838b25b88d1ba5b25a9_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzgtMi0xLTEtMTIwOTA3Nw_6e3b7bb7-9aca-4d76-b712-78b64e592564">3,797</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i336c163201e3413babaaa32a02874bb6_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzgtMy0xLTEtMTIwOTA3Nw_1b55e8f3-174e-4392-aa1a-ca74a2654a7e">1,949</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66769d9519fa4648b8875e48c08c97a1_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzgtNC0xLTEtMTIwOTA3Nw_a6a95fa5-d658-4376-934f-d4f8159e0128">10,645</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d0ff8cc7fd9476f97804e6767f45aae_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzktMS0xLTEtMTIwOTA3Nw_cfedf280-4d37-4410-ac63-fe7aef77a038">11,434</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i237c04ef4d34409f8bef060c2fe5a50d_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzktMi0xLTEtMTIwOTA3Nw_b9a0c9c0-06d6-4a13-9171-10504a2b476c">11,787</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i750cdb3134f34237a1a1be70cf2ceda4_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzktMy0xLTEtMTIwOTA3Nw_5e3566ef-f33c-4594-a1d8-c7c866bd36ff">3,714</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzktNC0xLTEtMTIwOTA3Nw_998bd0f8-cb71-4af4-9b21-6a86481f53cf">26,935</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ida3b9d7cad32402395d1dbaf05f5687f_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzExLTEtMS0xLTEyMDkwNzc_2b56f9d9-5fbc-4a99-aca6-6870ef4a693d">1,671</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1d4c519a96dd44d49ba53c29167dd929_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzExLTItMS0xLTEyMDkwNzc_56901ca0-0ead-4816-88d2-b3768e5f9a42">375</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i216b7c3a370e4095978acff4dd64fce7_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzExLTMtMS0xLTEyMDkwNzc_a271887e-1cbd-4e27-9b4b-dc4b747ddfae">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4123b617ca8249b89fb439d53c538f36_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzExLTQtMS0xLTEyMDkwNzc_3f273862-39b1-42e0-bb73-634bf8ba3516">2,047</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf3dfea0c3cb48f18bf450981f80ced0_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEyLTEtMS0xLTEyMDkwNzc_a9519167-82c4-4142-bb44-a5e6d25c148d">444</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia256a0f504f04ca2b696372ca7b41bc3_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEyLTItMS0xLTEyMDkwNzc_79fa8524-3596-495b-b725-1cf4290a4873">558</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i802e0fb1241c45df838e1cf5291b6a8d_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEyLTMtMS0xLTEyMDkwNzc_1e946e86-60e8-402b-950f-ee1ee31748f3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0fe0e786eb914f6ca85e5b09e3eeb3d6_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEyLTQtMS0xLTEyMDkwNzc_31486d70-c4e1-49f2-9572-06481a9a26c8">1,002</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i988a84a11d9a46d8ad6c0bf44584b3d8_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEzLTEtMS0xLTEyMDkwNzc_1dfa8e19-17ec-4d19-aecd-6b2596233c7c">83</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i360c07d1b2674e09a73c19b8967a9e85_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEzLTItMS0xLTEyMDkwNzc_bb9b09cc-a171-453a-83c6-85d233a741b2">672</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bc600f2a6b1443db0e4caa165f5af64_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEzLTMtMS0xLTEyMDkwNzc_73436c3f-ead6-4665-bac2-a3fdee16656b">37</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6c1c021734943b1a6dc5fab00de5fac_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzEzLTQtMS0xLTEyMDkwNzc_17bc8729-31bd-4712-a106-6d70282506f7">792</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6cc63e25bda74075bc23386739222c8b_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE0LTEtMS0xLTEyMDkwNzc_5b2e3368-0dd1-46e6-88fb-318e5735c4b7">532</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0945845e7f3b498db836672695e8ab25_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE0LTItMS0xLTEyMDkwNzc_2a4879f8-e1b4-4d02-8774-69696756b9ee">1,225</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56b4aeea08f44747be2dcedc71c361ec_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE0LTMtMS0xLTEyMDkwNzc_3658bf73-cf8e-401c-b46f-322c23389891">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13a6f44fc4ca475597e06994fcd8373b_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE0LTQtMS0xLTEyMDkwNzc_d56e4b83-5450-4423-810b-9fe9a62f07f6">1,757</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ffde21a06ce4f48b9a7da3d9daee310_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE1LTEtMS0xLTEyMDkwNzc_cb1a87bf-e5b1-4879-841b-942906ae338d">1,841</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifba2782aba504efcb0e007b6f347130c_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE1LTItMS0xLTEyMDkwNzc_af0d8785-a594-4105-a765-5109d82257f6">3,110</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0448e9bdb3cf41c1a84402c47fd92d6c_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE1LTMtMS0xLTEyMDkwNzc_f148979e-abac-4dc5-bc0f-10161db9d518">2,549</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieb6cc0d5fdea448bbb6ca31d9343088e_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE1LTQtMS0xLTEyMDkwNzc_e1fa174a-2aa1-4c7f-a116-88d65cb6fe14">7,500</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8cfe5fb0582f431eb9f6a73a4e9a180f_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE2LTEtMS0xLTEyMDkwNzc_77c20f6e-77cf-4800-986e-7d98b5788d0b">3,030</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77a9b768f976493f8dc5c751886e49d7_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE2LTItMS0xLTEyMDkwNzc_d3bf0cfa-7a79-42d2-91da-c9a65af74880">2,657</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id67d7386b7ac4109b846cefc579c74e4_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE2LTMtMS0xLTEyMDkwNzc_da0e814e-79c5-49e7-b717-6e82b61313ff">1,048</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib41e05d699b84b6fa8daf552a73dc3fb_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE2LTQtMS0xLTEyMDkwNzc_4c19d09e-7808-4404-bc8c-32fd1eb4ee3b">6,736</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8b5cdac901c41179b8d0d1be29fdf96_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE3LTEtMS0xLTEyMDkwNzc_9a5ed07c-d9d5-46bb-a763-7b52f9681e99">7,601</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d2b683c19874f2498a6f98f876cd7b5_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE3LTItMS0xLTEyMDkwNzc_124368c1-382d-4125-b684-cd6df497a4f1">8,599</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2dcbf37b8034a4cb41c05582341332c_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE3LTMtMS0xLTEyMDkwNzc_89ba22b2-e1f0-4d95-a23c-7e175d8f505f">3,634</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE3LTQtMS0xLTEyMDkwNzc_b212c054-4d95-4abe-95cb-437daa9ccc19">19,834</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ica216922139e410987107ec7f85cc4d8_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE5LTEtMS0xLTEyMDkwNzc_a9ee66a7-0a7a-4366-affc-2fe11f2fcae2">345</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0f72bb67c4b044eca534de6c17c570d4_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE5LTItMS0xLTEyMDkwNzc_cbbe7f7b-6371-461d-bb2c-6d972a732a87">1,405</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia17a9b532fc746f89ef2d199be069d24_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE5LTMtMS0xLTEyMDkwNzc_9ae1f9f2-9819-4381-a2a2-128e38729d65">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71032a5824434ecdb55d1dd6725d2b43_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzE5LTQtMS0xLTEyMDkwNzc_c8ec1632-bd89-4fac-a145-01c59171cd7b">1,751</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i74ab043f9b634714ab21d7fa0b5a3a1a_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIwLTEtMS0xLTEyMDkwNzc_a2544561-3cc8-421d-927f-f60cd09239cd">689</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d2b074645444ddc9baaf9a910d45fdc_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIwLTItMS0xLTEyMDkwNzc_90f83596-9349-4a2c-8fec-332278fcdf52">672</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2fc14d5f16f24883938fb89565f88deb_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIwLTMtMS0xLTEyMDkwNzc_07540b55-13f7-4a8f-91cb-4b85eab88848">188</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3b0f44a18a04d6c8a7016f8f12a38c9_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIwLTQtMS0xLTEyMDkwNzc_c3aaae6a-b668-46f4-8048-2112b3823e8f">1,549</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id57aa88b11914c46a4a261a02526a74d_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIxLTEtMS0xLTEyMDkwNzc_719c38ce-2cb9-4931-9f1d-5e268c669221">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6438543e7b504669b4692e701f611258_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIxLTItMS0xLTEyMDkwNzc_fe898736-806a-4863-97f5-12abaf319adc">580</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47809647e6fa487eb5d42b0f088c661d_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIxLTMtMS0xLTEyMDkwNzc_4ac94c87-247a-47a7-880e-38c1f1b97f2c">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7bbd1dcc4924bea9ebcba609483cc4a_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIxLTQtMS0xLTEyMDkwNzc_41503790-e901-4175-b3d6-d1830feb5313">617</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifbf44cc7c95243e386db203966384751_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIyLTEtMS0xLTEyMDkwNzc_026c62f5-63b6-468a-a14d-363d55de45ab">557</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09de92907aba48d2a3fc93bbbd86d70b_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIyLTItMS0xLTEyMDkwNzc_7582e060-2dbb-4907-85c7-3866c077e11b">1,484</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44df5f7b232744009987bb2449bbc861_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIyLTMtMS0xLTEyMDkwNzc_0392ddc9-4e30-4f0e-bc05-700ef7fa72b4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8aff347f94fd4825b58074da45d70344_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIyLTQtMS0xLTEyMDkwNzc_9733bb8e-3f58-4018-bab3-909ceb25ca78">2,041</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51981f6073dd4c24adcffef8db1162e4_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIzLTEtMS0xLTEyMDkwNzc_c8765329-f600-4d77-afc3-c929e680a0f3">2,842</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i26c7e1c4c5c541a98586b0b6c7ad0944_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIzLTItMS0xLTEyMDkwNzc_6566d983-e4f3-46e4-8e81-22279ba88f90">4,531</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b54e11d452542b4aa05911b89a15915_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIzLTMtMS0xLTEyMDkwNzc_c8a80781-aa9e-4c6b-ba17-2537266ff1ff">4,070</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d09899a4a9b4aefb15ac0e4c27de8a8_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzIzLTQtMS0xLTEyMDkwNzc_88c33304-7285-4276-881a-d54e039f372c">11,444</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37bbf76e1f3f45a9a0b25de099f1b9cf_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI0LTEtMS0xLTEyMDkwNzc_3cff09fa-9105-460f-862f-53b826893317">2,755</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5c9de0d2f6e458fb62e2118281fedb9_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI0LTItMS0xLTEyMDkwNzc_89444358-030d-40ef-8139-faca1b969d12">7,406</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b33347b79d14e2f9e43525e703f5c9a_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI0LTMtMS0xLTEyMDkwNzc_c90b919b-a9b8-4909-99ab-b78e480bbf3f">67</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i430828cf808f492d9e791066f76aac8e_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI0LTQtMS0xLTEyMDkwNzc_7e76175a-1c98-4bf4-ab5d-2e7ab946aad4">10,228</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib7664e8d1a4d40d2b51660ae2e58f8e5_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI1LTEtMS0xLTEyMDkwNzc_d17c5355-4574-42bd-bd33-99d698fc2d39">7,196</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe8b7ffd7bf047b9aefddf75756f35d8_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI1LTItMS0xLTEyMDkwNzc_4fe7cd01-1cf0-4f3e-bb91-4bfcf4358ad4">16,079</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia4df33f31ce14ba5984b514959bfab34_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI1LTMtMS0xLTEyMDkwNzc_587099be-0bc0-44c7-9d26-16155f941188">4,354</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90YWJsZTpjMzJhOTJjMWJmMTY0Yjg2OTNjMTA0MTg3NDEwYTg0Yy90YWJsZXJhbmdlOmMzMmE5MmMxYmYxNjRiODY5M2MxMDQxODc0MTBhODRjXzI1LTQtMS0xLTEyMDkwNzc_63ef1d61-6ea6-4ef7-962b-473d236eb403">27,629</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84NzcvZnJhZzpkMDk1NDlmMDM5ZmI0YTJkODE0OTAxNWJlZGQ3OTkwMi90ZXh0cmVnaW9uOmQwOTU0OWYwMzlmYjRhMmQ4MTQ5MDE1YmVkZDc5OTAyXzU3NzI0MzYwNDU5MDAz_7d20adb9-a612-4182-bdec-5fe7a8ff578e" footnoteRole="http://www.xbrl.org/2003/role/footnote"> (1) Subordinated deposits are included amounting to &#8364;24, &#8364;14 and &#8364;12 million as of December 31, 2022, 2021 and 2020, respectively.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-138</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_880"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i0297d7569e444154bb164db73a715263" continuedAt="i577391f2e6d340abbf3cde3f00ca9d8f">Customer deposits</ix:continuation></span></div><ix:continuation id="i577391f2e6d340abbf3cde3f00ca9d8f" continuedAt="ic823932194f54daaaf59a52bd359ee60"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CustomerDepositsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90ZXh0cmVnaW9uOjc3NDA3MzIzN2UyNTRkYzI4ZDQwZjBmZTgyNTViODc4XzEwMQ_19574d87-e783-4170-9840-de33334ecac1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown by geographical area of this heading in the consolidated balance sheets, by type of instrument is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:34.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.924%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.924%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.924%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.927%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Customer deposits (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Demand deposits</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Time deposits and other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchase agreements</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfae8adbba1243699db5da9151fdd741_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzMtMS0xLTEtMTIwOTA2NQ_14d42ef3-7e12-4a52-84c8-aeb7bf7ef9d8">188,803</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i760beade17b54a9b83324d0ba2f84146_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzMtMi0xLTEtMTIwOTA2NQ_26203f1c-58dc-4d25-9fd2-ea323975c121">13,389</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86c1088d7460481d900e1d5b71d3ab6d_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzMtMy0xLTEtMTIwOTA2NQ_463b150c-ecce-46d3-8acc-07044a5d90f4">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea0443a2da644c249bae4282929b050e_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzMtNC0xLTEtMTIwOTA2NQ_614582b2-9d64-4f2c-963f-57a714178e69">202,194</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iefd1a478c491480aaeb09997b0eebecf_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzQtMS0xLTEtMTIwOTA2NQ_ec640e51-9093-4db9-9a3f-17070017cc41">64,671</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e95793e3db2494cbf6b7f72c03dec73_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzQtMi0xLTEtMTIwOTA2NQ_9b291e79-9a02-4b32-a4b3-fb9eb8c9a229">12,916</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8da46a79a8444b0aa974213bfa16fc95_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzQtMy0xLTEtMTIwOTA2NQ_0ad0da3d-06f7-490c-a1a1-384656e14ad1">630</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i62e475b633174dfa9eace8c7721e691c_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzQtNC0xLTEtMTIwOTA2NQ_b982522a-c6e7-4788-9e5a-f88d063aa362">78,217</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7f73bcf832b453fb7e883818ce599e8_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzUtMS0xLTEtMTIwOTA2NQ_cad1a5ff-06f7-476b-9ad3-f3aa01e161a6">22,117</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i116f1b28954c4aca9e4d70dbb30054bb_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzUtMi0xLTEtMTIwOTA2NQ_c90c3aef-b1e6-4445-baff-fbfcfe5f29b6">17,254</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f9ced50056c422e8cdcd5422491c927_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzUtMy0xLTEtMTIwOTA2NQ_d0a81bc4-bc7d-4e9a-bd4d-2a2de27f8635">747</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6cfa422fcdbd42c4a8886a569e324c39_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzUtNC0xLTEtMTIwOTA2NQ_c026344d-adf4-4155-9ae9-4d52603157a6">40,118</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie3934703eb724e94ae36d10239de81df_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzYtMS0xLTEtMTIwOTA2NQ_675cac64-7e1b-4bf7-a588-2e24aeaf3600">27,083</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic69c4e9e6a4e437290534a1dd5d29422_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzYtMi0xLTEtMTIwOTA2NQ_8acdab97-d92f-4afc-b826-7f0620a5ba1c">14,505</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0cf97e1291034b60b0bd0631d444d8c7_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzYtMy0xLTEtMTIwOTA2NQ_fe741bc7-3911-4912-a1a4-9a9a1165220c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb16d77891dd43a6b49eb5f93e0bcb19_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzYtNC0xLTEtMTIwOTA2NQ_f092b99d-56e4-4aa9-8534-d2b6f021b9c9">41,587</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3501a9d9a8c44e5088b9827c39e7c600_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzctMS0xLTEtMTIwOTA2NQ_8889db5e-a5e3-436e-81ef-02a2fa08a3b6">11,670</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ba1b76382a7473abdc8568c57cc33e6_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzctMi0xLTEtMTIwOTA2NQ_b9eb13d7-2a07-4ade-9156-125d3fa59229">14,224</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabef9b3436fa4f5d98ca519fbeb3d8b6_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzctMy0xLTEtMTIwOTA2NQ_082f60f2-c7f4-4fb2-a42b-2d63ea196af2">880</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea0a863a8d9347b4ada6c8b8e02f678e_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzctNC0xLTEtMTIwOTA2NQ_f7ec819a-97d7-411f-b27e-a99cecc9aca6">26,774</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i57f903f415794489ada7f6fbf45f597b_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzgtMS0xLTEtMTIwOTA2NQ_b2beb8ed-5afc-434a-8b5a-d2fe2af95ab5">1,737</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ff7fa3dc58146f38a893723c3250176_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzgtMi0xLTEtMTIwOTA2NQ_c10121b6-b04c-48dc-a60e-5c04e703204c">3,228</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ec282d08f8d483bb757c479917e407e_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzgtMy0xLTEtMTIwOTA2NQ_5ffdb871-107d-4824-9501-f3c2fb71546b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i887edb78422f4e65a83791b880b42211_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzgtNC0xLTEtMTIwOTA2NQ_11fbbb78-bc4f-447f-a120-e75a55060e6a">4,965</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a9333792ebb4a5aa6b4abd7cd362298_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzktMS0xLTEtMTIwOTA2NQ_4f3af229-e5a5-4b34-b9fb-0a59f31a2793">316,082</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07fbb32d02ea4b19938b45837f298eda_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzktMi0xLTEtMTIwOTA2NQ_6e2556e0-2f65-4127-89c9-c7f19727528e">75,516</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21c71ef6786b4b2db49465c162f97e4f_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzktMy0xLTEtMTIwOTA2NQ_89c572f3-142e-41f9-afc5-d2ed0afed6d5">2,259</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzktNC0xLTEtMTIwOTA2NQ_30e98256-3595-4996-9fe3-0e28d08c1d41">393,856</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i074c47ae3c3545f8b1e32b276f5fb4c3_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzExLTEtMS0xLTEyMDkwNjU_12f1590b-c7d1-4aeb-a0e3-022ca2b9f553">181,565</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c5f6fbe5c1a4e81baccd6d2fc3ca356_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzExLTItMS0xLTEyMDkwNjU_39e09517-43bf-44f5-9235-996d512c1a87">10,407</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8ce7eb2a95043338dea1868cb5127a8_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzExLTMtMS0xLTEyMDkwNjU_438d13e2-a256-4d57-9f5e-9611f6bc083d">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8673e163f5ca4bf1b5c640ad1e3ade6a_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzExLTQtMS0xLTEyMDkwNjU_5bbd13d1-7022-4bad-aa59-37881144b691">191,974</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccf941cadfca41afad1a4025c109220e_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEyLTEtMS0xLTEyMDkwNjU_07936506-8f3d-439d-ba50-e267336afa25">53,359</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idab9e0026c27412e96e75ae0790dbf01_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEyLTItMS0xLTEyMDkwNjU_2819272e-ceb3-4156-a294-f25865749c2c">10,383</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i532daf9c14124789bdb649ec75557ee3_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEyLTMtMS0xLTEyMDkwNjU_30e7907e-4e41-4491-9c05-f8506d843e75">505</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e073e87ded64cbc91ea745d29c9a9a8_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEyLTQtMS0xLTEyMDkwNjU_0c8316e9-3d0b-46f1-b58d-c9b182da9376">64,247</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i026ce8559b6a46f39a890408bbf1ba91_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEzLTEtMS0xLTEyMDkwNjU_5d3bdcac-49ae-430e-aeae-d6f34a8002d9">19,725</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife84e751489f40cdba8bb0c1313462ae_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEzLTItMS0xLTEyMDkwNjU_c226ce66-f5f8-46be-9a18-b3011f1aef62">13,644</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id91bd4af74ad4401b76641a2ccc61490_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEzLTMtMS0xLTEyMDkwNjU_315fe7f9-bd34-4e1b-8d15-528202383c25">6</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5ef3f6263a74e94941ff79aa765f0a8_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzEzLTQtMS0xLTEyMDkwNjU_12478980-56e1-4f0d-b163-45687fa9b19a">33,376</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cb46c4eb6cc49829d0471db4d3fc230_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE0LTEtMS0xLTEyMDkwNjU_75d283f6-445d-4ab9-8027-8afd806f03a3">28,039</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie10c13a9076d4baeaf5f690d541fc020_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE0LTItMS0xLTEyMDkwNjU_4bcf1941-5ff7-4041-9f88-24c375fd1103">9,822</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc89d9ddcd304d85817501fe646fa446_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE0LTMtMS0xLTEyMDkwNjU_af27c9a5-8942-467f-aa45-17105e230184">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a8b2960a517455794a42adc34cc9224_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE0LTQtMS0xLTEyMDkwNjU_349fb7e1-bcee-4be9-ab59-7da6e7b5e59f">37,861</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if783cae46a504217a184e77a06e80ffc_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE1LTEtMS0xLTEyMDkwNjU_8df6cee1-a556-4f17-9177-5a9ab7a24bb8">8,933</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6704c73e416e443b99d3d4a720fe23cb_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE1LTItMS0xLTEyMDkwNjU_e7a45204-c450-412e-9859-fb43a78d0432">9,546</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bed0232bdff41ae8e166144c5659ef1_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE1LTMtMS0xLTEyMDkwNjU_e4743315-211d-49bd-95a9-049261acb706">754</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib573df4dce5e4585815cd202c541cb0f_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE1LTQtMS0xLTEyMDkwNjU_047c8e81-9610-4e20-b9b6-74b52aae55b1">19,234</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6a56d85b671e4582a3030f46d7fb0166_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE2LTEtMS0xLTEyMDkwNjU_bad4887e-6387-4246-90b2-a21987551181">1,393</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4e1b0cad93c4c29ade30faa38e79dd0_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE2LTItMS0xLTEyMDkwNjU_0391a004-78db-4865-9858-362eecfb2284">1,677</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17b25a5084dd454797469ad3c91cb558_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE2LTMtMS0xLTEyMDkwNjU_ac4600dd-2afa-44d2-bb3b-ddab19c115a6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3025ed67262e420e9ca863fb0bda4d84_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE2LTQtMS0xLTEyMDkwNjU_87037120-bf22-4e08-9846-92a1c2dee303">3,070</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29d6936f52f54d578f632a4b2bacb3f8_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE3LTEtMS0xLTEyMDkwNjU_af2a0d9e-6c35-437a-b43a-7e954d289394">293,015</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd486d7ab6cb4238bb3bbe748c6ff9c6_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE3LTItMS0xLTEyMDkwNjU_109dcc56-a1b4-4616-bdfe-20ec25f280ef">55,479</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i75fe87295d7a469b93d563979bf9c17c_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE3LTMtMS0xLTEyMDkwNjU_0042b7e2-a9f4-4a4d-af46-eef06d8f604d">1,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE3LTQtMS0xLTEyMDkwNjU_a6a178b5-fee9-42e6-a2f4-1be08610594b">349,761</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4126bf43e8b04e1f99e68beec00a493f_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE5LTEtMS0xLTEyMDkwNjU_93151fc7-1d5d-4eb8-ba95-932d5d7ca20f">168,690</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4206602ec3af4ed1864f485c18548d4c_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE5LTItMS0xLTEyMDkwNjU_c973815f-88d0-48e0-b502-3341e99640e9">20,065</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia618c82d90ff4c7d96b7f89a82cc459a_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE5LTMtMS0xLTEyMDkwNjU_894c2ffe-c760-4d63-99f7-ffc45c5549b1">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e0668a7b3954ff39fb7cf258d0e22c7_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzE5LTQtMS0xLTEyMDkwNjU_aff3a943-895a-4881-8b6c-867c7b4e61a9">188,757</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i68b50af6dc5c4c489847e61898b33e18_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIwLTEtMS0xLTEyMDkwNjU_1e0c9c1a-03bb-4341-bf29-d0bc583d4607">43,768</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2524d8039d4d4deb9fb257eb2ba86dd7_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIwLTItMS0xLTEyMDkwNjU_b29ba6a0-be46-4028-ad9b-604ed2b1a4fa">10,514</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13b10e157c584abfbe4d8ff332b57ca0_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIwLTMtMS0xLTEyMDkwNjU_bfa62ce0-e3b6-4b8a-abc9-0ee69c32579a">117</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie8ab5a9409674cd5a3aaadef81eae9ca_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIwLTQtMS0xLTEyMDkwNjU_d81d7484-22cd-4eea-b20f-1d7cf8478340">54,398</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ccd536b7a88447c81e3131e15e4b655_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIxLTEtMS0xLTEyMDkwNjU_cb8f9aec-1e2e-448f-87b6-cc598258f501">17,906</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i841c7f4161ee4956a6e742ab274336f2_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIxLTItMS0xLTEyMDkwNjU_0b92b3e0-286c-4dfb-888b-60fc3e8cc1e7">16,707</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e54a5922aa24cafa27e9f8760645462_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIxLTMtMS0xLTEyMDkwNjU_9352e044-6b07-4410-9244-d84b6c31af14">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a00e87fc1b94099944c2540f24e24f9_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIxLTQtMS0xLTEyMDkwNjU_1073dd86-0f55-48e3-ad10-ca91ccd4b2ba">34,621</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i651ac19c7f84490b9878fcfef12c9338_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIyLTEtMS0xLTEyMDkwNjU_e4c7bccf-61ef-461e-a22b-549a1422bc54">25,730</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8912f06f786c4179b060b904a41bef60_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIyLTItMS0xLTEyMDkwNjU_4cd3d03e-bcc0-4a88-a47a-b0f36ad5f55c">11,259</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4ec0b99165ae41c5aab4b70cc4d288b4_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIyLTMtMS0xLTEyMDkwNjU_3b817398-5248-4918-a9a4-1dd4ca53aeb2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41cf246399b74218b0e44ea9c85fc8d4_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIyLTQtMS0xLTEyMDkwNjU_76432814-3ea6-463d-8154-5e4a1eba3c28">36,989</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127782926e814200a103700fd4873860_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIzLTEtMS0xLTEyMDkwNjU_45450504-a6fe-4373-9402-e7bade62c616">8,435</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2143c897cf84fe38dc93257910ac923_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIzLTItMS0xLTEyMDkwNjU_38a70d52-6975-435a-b06b-0be61c6bd214">12,373</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5c13f1d44894039a5bc43d84bab1a89_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIzLTMtMS0xLTEyMDkwNjU_f8c73d9d-cab7-4fbd-a179-940b48de3328">619</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c61001c2c214d0d927bf2489783a0a9_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzIzLTQtMS0xLTEyMDkwNjU_772e927b-0002-4b14-8af9-4d69ce672ebd">21,427</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a2bfce15f234079a3143d1f5b51d7f0_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI0LTEtMS0xLTEyMDkwNjU_ef1477b1-d716-4cf1-84a3-d90d410831c0">1,720</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iacc8f042342342d69b72a2df6fb28155_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI0LTItMS0xLTEyMDkwNjU_2df32a97-c0b0-4cd9-8642-56ba192cb7f3">4,748</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic73ce7003ae146cb8b86ca3e349b2fec_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI0LTMtMS0xLTEyMDkwNjU_152a3cbd-c73f-46fc-9532-3760bfa4a1b0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7fc8efff7e98496490fe8e212ef6de15_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI0LTQtMS0xLTEyMDkwNjU_42fadd62-ae3e-444b-be6f-8f50a1c33d25">6,468</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90396df257b54315bd5afda195deb34f_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI1LTEtMS0xLTEyMDkwNjU_d313ca1d-f3fe-456a-8fcc-428db6424d74">266,250</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1bbdb5df019847d494114d6c2b4daf16_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI1LTItMS0xLTEyMDkwNjU_f65845bd-c6d3-4fb7-859e-a53e9b469943">75,666</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i65734edb1d944bfa9fdedc3bc5a48116_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI1LTMtMS0xLTEyMDkwNjU_269623b5-2193-4067-88d9-6badc29e6feb">746</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODAvZnJhZzo3NzQwNzMyMzdlMjU0ZGMyOGQ0MGYwZmU4MjU1Yjg3OC90YWJsZTo5NzU3NmZiMzBjMjc0MTAxODU4NjgwNTUxYjc4ZTAwNy90YWJsZXJhbmdlOjk3NTc2ZmIzMGMyNzQxMDE4NTg2ODA1NTFiNzhlMDA3XzI1LTQtMS0xLTEyMDkwNjU_eb390a49-e89f-4e46-a2f7-f1f49a1071fa">342,661</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-139</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_883"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ic823932194f54daaaf59a52bd359ee60" continuedAt="i5cceaa9957b14439981075173d882962">Debt certificates </ix:continuation></span></div><ix:continuation id="i5cceaa9957b14439981075173d882962" continuedAt="ia1d6bbc2cb8d48f3b05117bcba579d3c"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DepositsFromDebtCertificatesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90ZXh0cmVnaW9uOjFkYWRiM2JjN2U0NjRiMWY5ZjMxMjc5ODY5Yjc4MWEyXzI1NA_fedab812-d378-485c-abeb-6e8d0a6a637f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading, by financial instruments and by currency, is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt certificates (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In Euros</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id1bead500e514b7db3fa87e10f1fc9eb_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzItMS0xLTEtMTIxNDAyMw_c06076ed-8543-4ebe-94b0-6324a9aa93b6">35,611</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i406aba47e9264e279a847d7aa4378afb_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzItMi0xLTEtMTIxNDAyMw_6addb3ce-bd19-483a-9bbd-daf03ed3026e">36,289</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0345d5ba6934c969fbfd7c98a4196ca_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzItMy0xLTEtMTIxNDAyMw_a5ae2401-7083-4301-9616-f026ddef3d6a">42,462</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Promissory bills and notes</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1537ef7fd24d4d5898b5b87ce6144270_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzMtMS0xLTEtMTIxNDAyMw_98f06b6d-10bb-4c89-96d2-4219857c9b8b">1,079</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i020b768d356c4f36b60b3d4fcfb58796_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzMtMi0xLTEtMTIxNDAyMw_a5f8d74a-9eeb-42b7-a405-ded5474eca13">319</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i96f25ddea66a4bdfa207b9219bb2edd4_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzMtMy0xLTEtMTIxNDAyMw_1e3c59f5-0ff5-4b06-aa18-eed8a5bd0186">860</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-convertible bonds and debentures</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id5e7d386297c4b0583830019899cfdca_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzQtMS0xLTEtMTIxNDAyMw_72545483-f6a1-43c4-9953-3fa850918d92">16,979</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i535005402af54c3eaf232d3a0121f123_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzQtMi0xLTEtMTIxNDAyMw_1314f5af-e8a5-4e00-afa8-3d7ac5d26546">15,712</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie451a99359614d509c895ad8fc0e5cb1_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzQtMy0xLTEtMTIxNDAyMw_d18dd441-6012-4f28-87a1-a04c7c914adf">14,538</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Covered bonds</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idc1a09082f6045b1b54a315ae37bc45d_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzUtMS0xLTEtMTIxNDAyMw_b451a5f7-1a43-4e12-bd86-e90325b67bf1">7,665</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24fbd1dcbb88466da0ffefa291a4e477_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzUtMi0xLTEtMTIxNDAyMw_b13bf094-822d-4000-b116-96684780b1b6">9,930</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73259576a0c546b793e65137078318f5_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzUtMy0xLTEtMTIxNDAyMw_8da91889-c92a-49b1-926e-cd147035d07e">13,274</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hybrid financial instruments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e6ee0b391d44a9c9b1ec980bda19407_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzYtMS0xLTEtMTIxNDAyMw_67238afd-233a-4477-9de5-5ae78f22832e">959</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i596de21766fc4f5e8b9f3de42110f5c9_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzYtMi0xLTEtMTIxNDAyMw_831179ee-ed21-4eba-a83e-db2875784b0b">366</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i33f71fe413f9477d96ebca8adccb33c5_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzYtMy0xLTEtMTIxNDAyMw_fea2a74e-18fc-419a-9463-ab812dfd857c">355</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securitization bonds</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i534c0b2319bd46e6b4b3e4e5770451e1_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzctMS0xLTEtMTIxNDAyMw_504f9f40-f3a4-41b1-925d-b1270a64d502">2,501</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4fef4456a2934722af50893d66a844ee_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzctMi0xLTEtMTIxNDAyMw_9a7476d9-3fce-4958-9665-e8c33a3049cc">2,302</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f7b65a23bcd4f2296d358fcb3b50d7e_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzctMy0xLTEtMTIxNDAyMw_d1655593-bebe-44b0-b110-cef6e3d37d5f">2,538</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale funding</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i16ab657ec1ef4761ab9377b58e6accdc_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzgtMS0xLTEtMTIxNDAyMw_ca0d9169-fa13-4e8d-925c-536eade57f8b">139</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib2dac606b6544a6db4d8dd42f8aad31d_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzgtMi0xLTEtMTIxNDAyMw_f42ce8e3-b06c-4483-a3a4-79cba6f7ddad">438</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9c64e8633bce41f6ab925b1303153ee3_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzgtMy0xLTEtMTIxNDAyMw_251fb864-ef32-48e4-9563-45e3a9978d20">2,331</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i037dac757bb143b6b25ccfd14782012a_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzktMS0xLTEtMTIxNDAyMw_1484fec0-94ac-4491-aff9-584a898ba5a5">6,289</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07c787cacaec40dd80c8709d47052d7e_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzktMi0xLTEtMTIxNDAyMw_88d4820a-3af8-4988-a540-cfd152b157c8">7,221</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b01c1e3eea54c0299216c4334650bab_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzktMy0xLTEtMTIxNDAyMw_c5967ff8-1748-4dea-86ce-900ba654c1d0">8,566</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Convertible perpetual certificates</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19b0bb490b7b40d7bed3c2e30d6d2b2e_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEwLTEtMS0xLTEyMTQwMjM_ee2a4ee9-51ad-43fb-ac8d-8ac0ba826d23">3,000</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ddbd07506ea44cf855b4a0c4fcfa3f0_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEwLTItMS0xLTEyMTQwMjM_a530cb0c-eb6e-4b0a-9e24-8dbabb8ba4d6">3,500</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i677bd681556346e6b3421b2c458318e4_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEwLTMtMS0xLTEyMTQwMjM_4d347184-11e4-4a4e-baf1-b989629a399e">4,500</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-convertible preferred stock</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i147da5c2ab324b9f8dc8adb6be2cb842_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEyLTEtMS0xLTEyMTQwMjM_2a24980a-6590-48c5-baca-85fc498141b7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d9cea182cfc4c268ac0ddf282bf5530_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEyLTItMS0xLTEyMTQwMjM_32c47f82-ffe8-4cb4-bea3-84ca5f9d00b0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8060371bd4e4f508fc29cbaca3f4762_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEyLTMtMS0xLTEyMTQwMjM_86af4474-57c0-41d0-bd25-c14722277f51">159</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-convertible subordinated liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1d96d118c9e84048b4cab6525bf0eb4d_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEzLTEtMS0xLTEyMTQwMjM_e8d91832-fbff-44fb-9954-6dca2fe3b786">3,289</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27709a20f25b439f89cb96bb09ed3d96_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEzLTItMS0xLTEyMTQwMjM_45cdfa06-39ef-42a2-9439-43d58c33e257">3,721</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9110bb7962b146d6be2d0f064745f90c_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzEzLTMtMS0xLTEyMTQwMjM_fa57f3b6-cf4d-4e5a-a011-af6ecd456027">3,907</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In foreign currencies</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifde00f8cf58c4a1d83da00d4969c4cbc_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE0LTEtMS0xLTEyMTQwMjM_3cd278bf-1a3f-41d5-afb4-e3fdd4c1e16e">19,819</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6ce18824f334103843f86472eea3e7c_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE0LTItMS0xLTEyMTQwMjM_89c33dc6-03bc-44e3-93ae-f7f67903f01a">19,475</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7be64d39f05a41549e0272a369ff25ff_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE0LTMtMS0xLTEyMTQwMjM_9274b024-b000-4189-a67a-2f9e7447ee31">19,318</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Promissory bills and notes</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie186a759f79749a29ad76438a5d72c44_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE1LTEtMS0xLTEyMTQwMjM_7d1c2de0-a662-48dc-8be1-0fa4d5f77f8b">351</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic578c31d215e49c4a0c1238593aac0eb_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE1LTItMS0xLTEyMTQwMjM_907998fc-cc64-4164-a5c0-f7740804300a">579</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2dcae814bb049e3b1d4589a858a1e29_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE1LTMtMS0xLTEyMTQwMjM_16ca8a6a-8411-49a5-ad44-5bc86ceaf048">1,024</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-convertible bonds and debentures</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifeb6ecc27415475ca2f4bad1cfafe5db_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE2LTEtMS0xLTEyMTQwMjM_9a9bff08-aea6-410a-ada9-c827ca7fd5ec">9,323</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0608bd8feb9f46dd8ca7328964d5241d_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE2LTItMS0xLTEyMTQwMjM_ab57dc46-2940-4783-932a-4e37d9758727">7,885</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib6648c4751804963a50dfa671dcad38f_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE2LTMtMS0xLTEyMTQwMjM_d7a59f4d-3583-496b-83f6-da0de0163260">8,691</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Covered bonds</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib989aed05c4e4b80b261c0362994287d_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE3LTEtMS0xLTEyMTQwMjM_09562ab2-321e-476c-8b29-f9fc1c4a3366">114</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibcf9a2b9bf91481fad9dfffc6fcb2bd0_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE3LTItMS0xLTEyMTQwMjM_740c8e73-41ec-45e1-9dd9-72e0e27d0280">178</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i720de1488d8b4db7b0c0acf8ab468ba8_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE3LTMtMS0xLTEyMTQwMjM_57ca545a-06ae-413e-b31f-362bb456ce7a">217</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hybrid financial instruments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f4cba23945d47918959a3aa62c0f588_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE4LTEtMS0xLTEyMTQwMjM_ffda2fcb-2431-4e3c-b360-54410c3a1a1d">3,724</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia2706e1535cb4c0bba5838ee26079523_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE4LTItMS0xLTEyMTQwMjM_50615dca-958a-4dcc-91ec-b3d7e486754d">2,843</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iecff5fde4f904044be2a1d181526065e_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE4LTMtMS0xLTEyMTQwMjM_0290bd02-5c53-45be-9bf8-be3d483145f5">455</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securitization bonds</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8936baae9a6747678b722bef5cc5eeb8_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE5LTEtMS0xLTEyMTQwMjM_6f39bca0-7780-494a-8e1c-6e89b98b9731">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6dc8b52d5a6c4ea9a4b1c6f974741d92_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE5LTItMS0xLTEyMTQwMjM_f44ed4a1-d8d7-43f8-8d8f-a75d3772ae4b">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i04102c12133b43ef816eb9a836b1eaa9_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzE5LTMtMS0xLTEyMTQwMjM_e10bfdd3-7166-4691-874d-f35a9e3face7">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale funding</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c7e76901eee401fa87961f73c3bb8cd_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIwLTEtMS0xLTEyMTQwMjM_9c5db452-62a4-4dce-9735-e8bf85ff5a30">111</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i90b395e501584c8f8762b55219358c66_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIwLTItMS0xLTEyMTQwMjM_111d9ccc-9e2b-47ea-8384-f501c96b1a94">412</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4d5d65ea58e246d183e1c2f07c66db87_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIwLTMtMS0xLTEyMTQwMjM_90477986-ed42-46b1-8b1a-877b4a21343f">1,016</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7f25a20251946ce939fc2a601350524_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIxLTEtMS0xLTEyMTQwMjM_be3a390f-86c9-4509-afea-c51465f8c274">6,196</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib123a611af354c4c99e6dd60de81a2af_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIxLTItMS0xLTEyMTQwMjM_c2d08eef-ef6a-4623-a658-41f0db9a5b79">7,574</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6afcce85ae2541b991afc2626d689bcb_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIxLTMtMS0xLTEyMTQwMjM_8a1f370b-5bd5-4f0d-a48f-c124c65abe17">7,911</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Convertible perpetual certificates</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i024018b878a643ae86d273f65c63d5e7_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIyLTEtMS0xLTEyMTQwMjM_cc556189-089d-48b2-aca5-13f887e8deb0">1,876</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaa8d5a33dc104368a2195a98c08f4888_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIyLTItMS0xLTEyMTQwMjM_d097bdeb-005e-4fee-adf3-6c3bf9e3d387">1,771</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if2ff094941834efb85b21f44b5244fd9_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzIyLTMtMS0xLTEyMTQwMjM_999527f0-b0c8-4476-8aeb-6aa602670d1f">1,633</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non- convertible preferred stock</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f3784170e1c481d94deaef2d28c06f2_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI0LTEtMS0xLTEyMTQwMjM_441a23e4-9154-44c7-a280-89f1b67d927e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i775341fb5a78439099febda8576b855e_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI0LTItMS0xLTEyMTQwMjM_8f89ac90-e5a4-4aca-84a7-998fcbca808f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c09651d47744b339c07b2bcb142d342_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI0LTMtMS0xLTEyMTQwMjM_0d95c2f9-dd97-4bc2-9783-01d9ff3e0aea">35</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-convertible subordinated liabilities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9d881f3db8ed42ea8c2b86b0c5cdee6b_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI1LTEtMS0xLTEyMTQwMjM_bfe1b1fd-1514-4408-b4cb-9b22abede83b">4,320</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f4600bd703b4fa886c6e4bab1f2519e_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI1LTItMS0xLTEyMTQwMjM_6c410668-9b17-4ff4-951f-69cf6efce10a">5,803</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iadae4ed30c544b24be1450caa908dcc8_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI1LTMtMS0xLTEyMTQwMjM_af309ec1-348f-4a4c-928d-f476323f0770">6,243</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;&#160;Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI2LTEtMS0xLTEyMTQwMjM_89fea0a3-2240-40db-83d6-74510da7478a">55,429</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI2LTItMS0xLTEyMTQwMjM_cbfaf124-e385-4b9f-9ca7-d1389c1503e6">55,763</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DebtCertificatesIssued" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90YWJsZTplZjNkYWMzNjM3ZGI0YWY4YjVkN2VkNTJiODBkMTE0My90YWJsZXJhbmdlOmVmM2RhYzM2MzdkYjRhZjhiNWQ3ZWQ1MmI4MGQxMTQzXzI2LTMtMS0xLTEyMTQwMjM_90bbbcf2-b130-46d4-882f-eed0019ac01a">61,780</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90ZXh0cmVnaW9uOjFkYWRiM2JjN2U0NjRiMWY5ZjMxMjc5ODY5Yjc4MWEyXzU3NzI0MzYwNDYwMjc3_46dff578-4d06-4b71-8b58-a305d9b13ea1" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Including mortgage-covered bonds. In years 2022, 2021 and 2020 there were several maturities of mortgage bonds.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODMvZnJhZzoxZGFkYjNiYzdlNDY0YjFmOWYzMTI3OTg2OWI3ODFhMi90ZXh0cmVnaW9uOjFkYWRiM2JjN2U0NjRiMWY5ZjMxMjc5ODY5Yjc4MWEyXzU3NzI0MzYwNDYwNTE2_1fc93422-1405-4b39-b807-7d170d91424f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Corresponds to structured note issuances with embedded derivatives that have been segregated according to IFRS 9.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_886"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">22.4.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"><ix:continuation id="ia1d6bbc2cb8d48f3b05117bcba579d3c" continuedAt="ia7cccebaa873420f9993a24d5b4d08a3">Subordinated liabilities</ix:continuation></span></div><ix:continuation id="ia7cccebaa873420f9993a24d5b4d08a3" continuedAt="ie15dafeb8473401aba64df5ca36e9ad7"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90ZXh0cmVnaW9uOjQ2NDAzODQ3Nzc3NTQ5MjY4NDM1MmJlOWE2MWNjZTBhXzIxMjg_9704fb14-5a97-4ff9-a79e-75f6114d5b6d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of this heading in the consolidated balance sheets is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:54.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.229%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Memorandum item: Subordinated liabilities at amortized cost (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SubordinatedDeposits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzItMi0xLTEtNzE0Nzc0_aab4c124-3e30-49be-8c26-8b6efeba2b5a">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SubordinatedDeposits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzItMy0xLTEtNzE0Nzc0_3689d9eb-f597-47b4-8cde-65bb643c81df">14</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SubordinatedDeposits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzItNC0xLTEtNzE0Nzc0_c8a2d4f1-1f96-425b-9ead-a15012de36aa">12</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated certificates </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzctMi0xLTEtNzE0Nzc0_e9ac1e8e-3f47-47e3-8ce7-46e446a37dc4">12,485</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzctMy0xLTEtNzE0Nzc0_f0db6dda-43cd-4681-ba1f-a0b51c39722a">14,794</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzctNC0xLTEtNzE0Nzc0_db93b383-4b2d-485b-bc07-1ccaa7c22942">16,476</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Preferred stock</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:PreferredStock" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzgtMi0xLTEtNzE0Nzc0_bbf768da-8ccb-4575-b3f6-dbddc309a1f0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:PreferredStock" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzgtMy0xLTEtNzE0Nzc0_5f37e32c-d016-4781-9e82-753bea60c996">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:PreferredStock" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzgtNC0xLTEtNzE0Nzc0_3c46b013-be87-43a5-84af-392a4f4b3016">194</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Compound convertible financial instruments </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CompoundConvertibleFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzktMi0xLTEtNzE0Nzc0_881cc415-b652-4f8d-95a3-a17608de107d">4,876</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CompoundConvertibleFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzktMy0xLTEtNzE0Nzc0_dad53601-f78f-4ec8-89da-4bfb82d4b4fd">5,271</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CompoundConvertibleFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzktNC0xLTEtNzE0Nzc0_288e16a8-8ef9-4533-ab38-06842bf2d4f0">6,133</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other non-convertible subordinated liabilities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherNonConvertibleSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzEzLTItMS0xLTcxNDc3NA_23592757-1c1e-4785-8f58-4035529bced3">7,609</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherNonConvertibleSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzEzLTMtMS0xLTcxNDc3NA_6b68ef49-1c9c-4c9b-8dba-f3ecee2bce34">9,523</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherNonConvertibleSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzEzLTQtMS0xLTcxNDc3NA_76207d63-0359-4409-9470-00ceaa893a1e">10,149</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalSubordinatedLiabilitiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzE0LTItMS0xLTcxNDc3NA_325e2824-2eb6-406e-8643-767d7bbf8c52">12,509</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalSubordinatedLiabilitiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzE0LTMtMS0xLTcxNDc3NA_1ab46ea8-33a9-4b72-8890-b05585672848">14,808</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalSubordinatedLiabilitiesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODYvZnJhZzo0NjQwMzg0Nzc3NzU0OTI2ODQzNTJiZTlhNjFjY2UwYS90YWJsZTo5NGUzZTcwZTkxN2I0ZWMyYTdhMTZjYTBlNjg0NjU4My90YWJsZXJhbmdlOjk0ZTNlNzBlOTE3YjRlYzJhN2ExNmNhMGU2ODQ2NTgzXzE0LTQtMS0xLTcxNDc3NA_5f6aabd1-d7c9-4e54-af63-c33ca4cda4c5">16,488</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:15pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The balance variances are mainly due to the following transactions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Perpetual Contingent Convertible Securities  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Annual General Shareholders' Meeting of BBVA held on March 17, 2017, resolved, under agenda item five, to confer authority on the Board of Directors to issue securities convertible into newly issued BBVA shares, on one or several occasions, within the maximum term of five years to be counted from the date the resolution was adopted, up to the maximum overall amount of &#8364;8 billion or its equivalent in any other currency. Likewise, the Annual General Shareholders' Meeting resolved to confer on the Board of Directors authority to totally or partially exclude shareholders' pre-emptive subscription rights within the framework of a specific issue of convertible securities, although this power was limited to ensure the nominal amount of the capital increases resolved or carried to cover the conversion of the mandatory convertible issues in use of this authority (without prejudice to anti-dilution adjustments), with exclusion of pre-emptive subscription rights and of those likewise resolved or carried out with exclusion of pre-emptive subscription rights in use of the authority to increase the share capital conferred under the Annual General Shareholders' Meeting held on March 17, 2017, under agenda item four, do not exceed the maximum nominal amount, overall, of 20% of the share capital of BBVA at the time of the authorization, this limit not being applicable to contingent convertible issues.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-140</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ie15dafeb8473401aba64df5ca36e9ad7" continuedAt="i29abf8757818461c8da569df7c1d299b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Under that delegation, BBVA has made since 2020 the following contingently convertible issuance that qualifies as additional tier 1 capital of the Bank and the Group in accordance with Regulation (EU) 575/2013:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">On July 15, 2020, BBVA carried out an issuance of perpetual contingent convertible securities (additional tier 1 instruments), with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#8364;1 billion. This issuance is listed in the AIAF Fixed Income Securities Market and was targeted only at professional clients and eligible counterparties, not being offered or sold to any retail clients.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, the Annual General Shareholders' Meeting of BBVA held on April 20, 2021, resolved, under agenda item five, to authorize the Board of Directors of BBVA, with sub-delegation powers, to issue convertible securities, whose conversion is contingent and which are intended to meet regulatory requirements for their eligibility as capital instruments (CoCos), in accordance with the solvency regulations applicable from time to time, subject to the legal and statutory provisions that may be applicable at any time. The Board of Directors may make issues on one or several times within the maximum term of five years from the date on which this resolution was adopted, up to the maximum overall amount of &#8364;8 billion or its equivalent in any other currency. The Board of Directors may also resolve to exclude, either fully or partially, the pre-emptive subscription rights of shareholders within the framework of a concrete issuance, complying in all cases with the legal requirements and limitations established for this purpose at any given time. Likewise, the authority conferred by the Annual General Meeting of Shareholders held on March 17, 2017 under its agenda item five was repealed in the unused part. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of the date hereof the Bank has not made use of the authority granted by the BBVA General Shareholders' Meeting held on April 20, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These perpetual securities issued must be converted into newly issued ordinary shares of BBVA if the CET 1 ratio of the Bank or the Group is less than 5.125%, in accordance with their respective terms and conditions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These type of issuances made by the Bank may be fully redeemed at BBVA's option only in the cases contemplated in their respective terms and conditions and, in any case, in accordance with the provisions of the applicable legislation. In particular, throughout the financial years 2020, 2021 and 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">On February 18, 2020, the Bank early redeemed the issuance of contingently convertible preferred securities (additional tier 1 instruments) carried out by the Bank on February 18, 2015, for an amount of &#8364;1.5 billion on the First Reset Date of the issuance and once the prior consent from the Regulator was obtained.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">On April 14, 2021, the Bank early redeemed the issuance of contingently convertible preferred securities (additional tier 1 instruments) carried out by the Bank on April 14, 2016, for an amount of &#8364;1 billion on the First Reset Date of the issuance and once the prior consent from the Regulator was obtained.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">On May 24, 2022, the Bank early redeemed the issuance of contingently convertible preferred securities (additional tier 1 instruments) carried out by the Bank on May 24, 2017, for an amount of &#8364;500 million on the First Reset Date and once the prior consent from the Regulator was obtained. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Convertible Securities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Subsequently, the Annual General Shareholders' Meeting of BBVA held on March 18, 2022, resolved, under agenda item five, to confer authority on the Board of Directors of BBVA, with sub-delegation powers, to issue securities convertible into new BBVA shares (other than contingently convertible securities, envisaged to meet regulatory requirements for their eligibility as capital instruments (CoCos) referred to in the resolutions adopted by BBVA's Annual General Shareholders' Meeting held on April 20, 2021, under agenda item five), subject to provisions in the law and in BBVA's bylaws that may be applicable at any time, on one or several occasions within the maximum term of five years to be counted as from the date on which the resolution was adopted, up to a maximum total amount of &#8364;6 billion, or the equivalent in any other currency. The Board of Directors may also resolve to exclude, either fully or partially, the pre-emptive subscription rights of shareholders within the framework of a specific issuance, complying in all cases with the legal requirements and limitations established for this purpose at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of the date hereof the Bank has not made use of the authority granted by the BBVA General Shareholders' Meeting held on March 18, 2022.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_889"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.5</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i29abf8757818461c8da569df7c1d299b" continuedAt="i7cdd8e27b1a847ffa4117a82d6f8c5a2">Other financial liabilities</ix:continuation></span></div><ix:continuation id="i7cdd8e27b1a847ffa4117a82d6f8c5a2" continuedAt="ib15d99d7d9fc46f88500041932e699e9"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:OtherFinancialLiabilitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90ZXh0cmVnaW9uOmJjYWFmM2ZjY2I2ZDQ4MmNhYTkzODdmNzMwYjc5MWFiXzI2Mw_aac7bec0-51f2-4051-87e2-5afd702c281f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other financial liabilities (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbbb37b6545f4ce2906a71e764e38749_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzItMi0xLTEtNzE0Nzc0_e967a4e6-c565-482e-9943-1cd4f9a423b2">1,398</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4676c9878ff04df8b590679d23b46d60_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzItMy0xLTEtNzE0Nzc0_fea122aa-738d-4de2-9ae5-d1daf53b9c5e">2,560</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3275b3129dac419494379d7e23194f89_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzItNC0xLTEtNzE0Nzc0_8282f5c8-f19a-458e-aeb8-ceea9b2477fe">2,674</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Creditors for other financial liabilities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0be7a255d53460399148abe4a8a94b6_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzMtMi0xLTEtNzE0Nzc0_926c7d31-5962-48dd-b290-e6c205ce182c">3,589</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4b7f86e9e764467dab60e56506b28d50_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzMtMy0xLTEtNzE0Nzc0_a78b69ae-3f42-4bc0-a964-da0403060cf6">2,657</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i40f63fbee0eb445fa3662a460982ab06_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzMtNC0xLTEtNzE0Nzc0_5dec1a53-cace-4b07-986e-f1a11b4445b3">2,408</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Collection accounts</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9176022660064271a7aebfe98ecd312c_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzQtMi0xLTEtNzE0Nzc0_e216316e-b2a8-4252-af6c-b90bf0492500">3,426</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if673647ba5ba4841b6ef10850538ddaf_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzQtMy0xLTEtNzE0Nzc0_907779ae-1b67-4c81-87de-325e737381ef">3,839</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id0b02fba99b54865a1959a12b5825b6c_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzQtNC0xLTEtNzE0Nzc0_328aa72a-92cf-4a15-b6be-4e86e182b088">3,275</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Creditors for other payment obligations </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3cb769ca3be4abb9c9e18f25e28382e_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzUtMi0xLTEtNzE0Nzc0_24ffb61c-fdb7-4cba-a30d-b12277a05604">5,673</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id07eed0bfaf94b9b90990f825793d758_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzUtMy0xLTEtNzE0Nzc0_aea41eaf-0aa5-4964-8cdd-cd9be0e57bed">6,127</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i392bf787cf8b4d8884c3f64cca150c6a_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzUtNC0xLTEtNzE0Nzc0_1ff1d669-4ca0-4b52-815d-b7881ac4c8c3">5,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzYtMi0xLTEtNzE0Nzc0_53493439-7db4-4336-9020-4d00b2a71ce6">14,086</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzYtMy0xLTEtNzE0Nzc0_677cfbc3-5ca6-49a2-83b1-95d57f9d427c">15,183</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTpiNmQzZWUyYWQ2YTg0ZDViOGFjMTVmZjhmMzk1NTg3Zi90YWJsZXJhbmdlOmI2ZDNlZTJhZDZhODRkNWI4YWMxNWZmOGYzOTU1ODdmXzYtNC0xLTEtNzE0Nzc0_9e91d0cc-6621-4a15-aa09-c121aada23b1">13,358</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90ZXh0cmVnaW9uOmJjYWFmM2ZjY2I2ZDQ4MmNhYTkzODdmNzMwYjc5MWFiXzU3NzI0MzYwNDU5NDk5_39877ce6-237e-4ced-9d47-df1a77dbbefd" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation in 2022 corresponds mainly to the closing of the transaction with Merlin Properties for which 100% of the shares of Tree</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"> Inversiones Inmobiliarias, </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SOCIMI, S.A. were acquired by BBVA Group (see Note 17).</span></ix:footnote></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90ZXh0cmVnaW9uOmJjYWFmM2ZjY2I2ZDQ4MmNhYTkzODdmNzMwYjc5MWFiXzU3MTc0NjA0NjQ2NTQ2_605828ed-3a24-425e-83c8-92fe62129d6e" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) In 2021, this caption includes the amount committed for the acquisition of own shares under the share buyback program (see Notes 2.2.14 and 4).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-141</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ib15d99d7d9fc46f88500041932e699e9"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MaturityOfFuturePaymentObligationsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90ZXh0cmVnaW9uOmJjYWFmM2ZjY2I2ZDQ4MmNhYTkzODdmNzMwYjc5MWFiXzI2NQ_fa71e178-7a44-4722-ad28-8053119ad6f6" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A breakdown of the maturity of the lease liabilities, due after December 31, 2022 is provided below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:40.348%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.612%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maturity of future payment obligations (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Up to 1 year</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1 to 3 years</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3 to 5 years</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idd79692e89ee462eb17e2d40703a28f4_I20221231" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTo5N2M5ZjIxNDRjMmI0ZDZhODkwMjU0YzI5ZDM2YzQxNC90YWJsZXJhbmdlOjk3YzlmMjE0NGMyYjRkNmE4OTAyNTRjMjlkMzZjNDE0XzItMS0xLTEtNzE0Nzc0_4faed092-9dee-4657-8b8f-e7e50f59badb">142</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61827439975f4c299a308ee33bac0b28_I20221231" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTo5N2M5ZjIxNDRjMmI0ZDZhODkwMjU0YzI5ZDM2YzQxNC90YWJsZXJhbmdlOjk3YzlmMjE0NGMyYjRkNmE4OTAyNTRjMjlkMzZjNDE0XzItMi0xLTEtNzE0Nzc0_c0ef845e-0a96-45f1-b17f-f8ca2a4debb5">260</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i51c7d250a99f42a699e9194706880b1a_I20221231" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTo5N2M5ZjIxNDRjMmI0ZDZhODkwMjU0YzI5ZDM2YzQxNC90YWJsZXJhbmdlOjk3YzlmMjE0NGMyYjRkNmE4OTAyNTRjMjlkMzZjNDE0XzItMy0xLTEtNzE0Nzc0_d30a486e-07a2-4e95-9b8d-6567893464d8">305</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i905432c48e474bf6b7a04abaa613f37a_I20221231" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTo5N2M5ZjIxNDRjMmI0ZDZhODkwMjU0YzI5ZDM2YzQxNC90YWJsZXJhbmdlOjk3YzlmMjE0NGMyYjRkNmE4OTAyNTRjMjlkMzZjNDE0XzItNC0xLTEtNzE0Nzc0_2f0dfaf3-d138-4c41-aebc-4cdfd305a359">691</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84ODkvZnJhZzpiY2FhZjNmY2NiNmQ0ODJjYWE5Mzg3ZjczMGI3OTFhYi90YWJsZTo5N2M5ZjIxNDRjMmI0ZDZhODkwMjU0YzI5ZDM2YzQxNC90YWJsZXJhbmdlOjk3YzlmMjE0NGMyYjRkNmE4OTAyNTRjMjlkMzZjNDE0XzItNS0xLTEtNzE0Nzc0_dbe52466-f57a-44ce-9985-c59594205878">1,398</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_892"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">23.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzUwNA_7b19a094-c439-441e-a456-a7ea1b8c0456" continuedAt="i174c3e9df7ef496a983b0e4e69612e4a" escape="true">Assets and liabilities under insurance and reinsurance contracts</ix:nonNumeric></span></div><ix:continuation id="i174c3e9df7ef496a983b0e4e69612e4a" continuedAt="i6088d7320e24423f82b38b2a72a3fcec"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group has insurance subsidiaries mainly in Spain and Latin America (mostly in Mexico). The main product offered by the insurance subsidiaries is life insurance to cover the risk of death (risk insurance) and life-savings insurance. Within life and accident insurance, a distinction is made between freely sold products and those offered to customers who have taken mortgage or consumer loans, which cover the principal of those loans in the event of the customer&#8217;s death.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">There are two types of savings products: individual insurance, which seeks to provide the customer with savings for retirement or other events, and group insurance, which is taken out by employers to cover their commitments to their employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The insurance business is affected by different risks, including those that are related to the BBVA Group such as credit risk, market risk, liquidity risk and operational risk and the methodology for risk measurement, control and follow-up applied in the insurance activity is similar (see Note 7), although it has a differentiated management due to the particular characteristics of the insurance business, such as the coverage of contracted obligations and the long term of the commitments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> Additionally, the insurance business generates certain specific risks, of a probabilistic nature: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Technical risk: arises from deviations in the estimation of the casualty rate of insurances, either in terms of numbers, the amount of such claims and the timing of its occurrence.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Biometric risk: depending on the deviations in the expected mortality behavior or the survival of the insured persons.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The insurance industry is highly regulated in each geographical area. In this regard, it should be noted that the insurance industry is undergoing a gradual regulatory transformation through new risk-based capital regulations, which have already been published in several countries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Assets under reinsurance and insurance contracts&#8221; in the consolidated balance sheets includes the amounts that the consolidated insurance entities are entitled to receive under the reinsurance contracts entered into by them with third parties and, more specifically, the share of the reinsurer in the technical provisions recognized by the consolidated insurance subsidiaries. As of December 31, 2022, 2021 and 2020, the balance under this heading amounted to &#8364;<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzU3_1ee3695c-948a-44f9-9047-db56c84c8c68">210</ix:nonFraction> million, &#8364;<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzYx_29f7d6af-ad43-4d3b-bbc9-08077a613659">269</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzY1_050b36a2-6d8b-4a90-b41b-198132eff95b">306</ix:nonFraction> million, respectively.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzUwNg_3b3807d1-4be4-4c85-a5de-5d33755d1f7c" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant provisions recognized by consolidated insurance subsidiaries with respect to insurance policies issued by them are under the heading &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets. The breakdown of the balance under this heading is as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:63.769%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.611%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Technical reserves (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mathematical reserves</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if1f52ebf4b104c84b60f705b48186ed5_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzItMS0xLTEtNzE0Nzc0_c2b254eb-42ad-4f34-85d7-3e2d82487e03">10,396</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbb418a057424ec2a0ef0e07277cde32_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzItMi0xLTEtNzE0Nzc0_14fd8e05-97cb-4d12-912c-e78a78790c06">9,495</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i874055f590494f4195aca10dbad0966f_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzItMy0xLTEtNzE0Nzc0_87037100-55f0-48c3-b21d-d84f8ab5bed3">8,731</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:9pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Individual life insurance </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb8955b6c46148748d0d545d605a572c_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzMtMS0xLTEtNzE0Nzc0_76238a00-e65d-4a44-ae38-bdd236fc7a19">8,682</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie13b04f218ad4f339c35f9d4b763f7f3_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzMtMi0xLTEtNzE0Nzc0_d2f5528d-f27c-41bd-b0b3-3d059895cd2f">7,265</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa7f8f5766004324b6ec85fc40e23c15_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzMtMy0xLTEtNzE0Nzc0_6bda1ae6-cefb-4863-a6ee-0a089eaff123">6,268</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:9pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Group insurance </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45b7dfa7a16e4b3ba41d6e658f020639_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzYtMS0xLTEtNzE0Nzc0_9c15770c-f61b-44e1-8589-4edbfce2e843">1,714</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19f4595ac7fd4e84862cd7e714f26d62_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzYtMi0xLTEtNzE0Nzc0_249e7d06-b389-4b2f-abf5-6d7dea788a96">2,230</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4ebf396f86a4ce59a350779145d3af7_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzYtMy0xLTEtNzE0Nzc0_e73c050e-823e-48da-98d1-73c23b127217">2,463</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for unpaid claims reported</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85a0fcc0af4f4e64a222b8b83aebb120_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzktMS0xLTEtNzE0Nzc0_15cb2819-e0d4-473f-a16a-fe33659b0b19">612</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1eb1d17814574b26b617b74f91e99db0_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzktMi0xLTEtNzE0Nzc0_09c289d5-c0a1-47ef-950d-87d13771f3c8">706</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9bda9b39d66497b9d79e19ee8891075_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzktMy0xLTEtNzE0Nzc0_e80459da-d472-444a-a586-59f3794353e3">672</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for unexpired risks and other provisions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i699c0fb1b55848068f5d158563149859_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzEwLTEtMS0xLTcxNDc3NA_5f38b589-2e7a-4478-8805-407eb99846e0">839</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29416ebee6d44a118a8d069e951bd0ac_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzEwLTItMS0xLTcxNDc3NA_de30fe31-ab5a-447b-a397-938b1f1d7165">664</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia84fa34989c242a1ba82dfaddcfd60a8_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzEwLTMtMS0xLTcxNDc3NA_9a4f38cf-773f-44bb-a06b-c374168da5a7">548</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzExLTEtMS0xLTcxNDc3NA_9a527623-7384-4910-b1ba-cff7c369ce02">11,848</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzExLTItMS0xLTcxNDc3NA_35132b2e-59e7-48d0-a786-bbf076c59a6e">10,865</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTowOTZiNDQyZmFlYjQ0NjE0ODFkMTE3OGJhNWRhMGM1Mi90YWJsZXJhbmdlOjA5NmI0NDJmYWViNDQ2MTQ4MWQxMTc4YmE1ZGEwYzUyXzExLTMtMS0xLTcxNDc3NA_d1e5d151-e203-4a1f-b096-d5a468922a6b">9,951</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzU3NzI0MzYwNDYwNTI2_ae55b46c-6723-40ac-9a0f-f5f4485d36a8" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Provides coverage in the event of death, disability and serious illness.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzU3NzI0MzYwNDYwNzM2_ad443067-88b9-48a2-bf11-107ba41b9936" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.</ix:footnote></span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzUwMg_1296d462-24a3-426c-a209-119c5a0bbe06" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The cash flows of those &#8220;Liabilities under insurance and reinsurance contracts&#8221; are shown below: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:33.568%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.846%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maturity (Millions of Euros). Liabilities under insurance and reinsurance contracts</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Up to 1 year</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1 to 3 years</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3 to 5 years</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 5 years</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc2a18607ed7467bb1a1e10833d13c62_I20221231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzItMS0xLTEtNzE0Nzc0_842e35d6-6537-4167-9814-e758f907c9c1">2,264</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8573fdf9de5f4555afdfdcffae63f191_I20221231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzItMi0xLTEtNzE0Nzc0_495f1342-d043-442c-a713-acf8ae8a2dd6">732</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01c9e57df8c547e38f4394385297e627_I20221231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzItMy0xLTEtNzE0Nzc0_9ba8bd85-1e67-4e7b-acb8-9e88f12bb9e6">1,836</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ca47a207d804ea9b4375ddc462ad741_I20221231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzItNC0xLTEtNzE0Nzc0_cb4e78a5-506c-45d6-9964-acc44281453f">7,016</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzItNS0xLTEtNzE0Nzc0_e040775b-2e9e-41a8-9c96-c12bf56879b8">11,848</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8936f3208dc74aa8a5129a412451f765_I20211231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzMtMS0xLTEtNzE0Nzc0_fa400f50-d381-48ca-9ee3-121ca553c5d6">1,808</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i89db398d9e3749e4a5df85e1d32015ed_I20211231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzMtMi0xLTEtNzE0Nzc0_7f023237-07c4-41e5-ada7-61525011cdf3">290</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0ffce6bbc8644f1afad727e7658fbed_I20211231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzMtMy0xLTEtNzE0Nzc0_5a2df00e-c76a-4a88-9f6c-fb278e88cd15">1,664</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i74e5cbf2ac754ef7a9df9ae2869be72e_I20211231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzMtNC0xLTEtNzE0Nzc0_072aea7d-6dc2-4ce2-ab9f-aab00e4182b4">7,103</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzMtNS0xLTEtNzE0Nzc0_3a191e8a-11c8-40c8-9982-18e2c4aa6560">10,865</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45e1c411a3e54cb1ad1383994b955902_I20201231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzQtMS0xLTEtNzE0Nzc0_04a3af88-3b56-4b73-af4b-b10f2501a78f">1,227</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i252a6ae96e534a1288ff8430164626c1_I20201231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzQtMi0xLTEtNzE0Nzc0_b35ead22-ae2a-4780-b4a1-a507d2a635fa">950</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03677cd574c349de8b6348fccbba3746_I20201231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzQtMy0xLTEtNzE0Nzc0_fcbb2c58-0d26-4891-888a-3ec34aad8187">1,616</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib697a47bf8034fb6981065fe6528b5a6_I20201231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzQtNC0xLTEtNzE0Nzc0_03f5236d-75f0-4f3f-8d87-278a70b1655e">6,158</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:InsuranceContractsThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTplODY5NGQyOGYwYjU0NzllYWIzN2ZiNDE4ZTY0NmRhZS90YWJsZXJhbmdlOmU4Njk0ZDI4ZjBiNTQ3OWVhYjM3ZmI0MThlNjQ2ZGFlXzQtNS0xLTEtNzE0Nzc0_55a24d21-8da0-4146-a2e8-adeb3f46898f">9,951</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-142</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i6088d7320e24423f82b38b2a72a3fcec"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">modeling me</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">thods and techniques used to calculate the mathematical reserves for the insurance products are actuarial and financial methods and modelling techniques approved by the respective country&#8217;s insurance regulator or supervisor. The most important insurance entities are located in Spain and Mexico (which together account for approximately 96% of the insurance revenues), where the modelling methods and techniques are reviewed by the insurance regulator in Spain (General Directorate of Insurance) and Mexico (National Insurance and Bonding Commission), respectively. The modelling methods and techniques used to calculate the mathematical reserves for the insurance products are compliant with IFRS and primarily involve the valuation of the estimated future cash flows, discounted at the technical interest rate for each policy. To ensure this technical interest rate, asset-liability management is carried out, acquiring a portfolio of securities that generate the cash flows needed to cover the payment commitments assumed with the customers. </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MathematicalReservesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzUwNw_84c45051-8a07-44ad-a96f-744a2f53138b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below shows the key assumptions as of December 31, 2022, 2021 and 2020 used in the calculation of the mathematical reserves for insurance products in Spain and Mexico, respectively:</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.307%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mathematical reserves</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="12" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortality table</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Average technical interest rate</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortality table</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Average technical interest rate</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortality table</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Average technical interest rate</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Individual life insurance </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i9351bcfb820d4387a119d804627bb83e_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtMS0xLTEtNzE0Nzc0_63dbd9b5-03c8-4f87-832b-2cd3cefad407">GRMF 80-2, <br/>GKM 80 / GKMF 95, PASEM,<br/>GKMF 80/95,<br/>PERFM 2000</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><ix:nonNumeric contextRef="ice519a5715c942688b7966afe05b62f2_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtMi0xLTEtNzE0Nzc0_84251651-eb09-4f10-8b1d-b1ece6016ed6"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-individual<br/></span><span style="font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><br/></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Table of CNSF M 2013</span></ix:nonNumeric></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i9351bcfb820d4387a119d804627bb83e_D20220101-20221231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtMy0xLTEtNzE0Nzc0_03bc64f3-4d48-45c7-856d-306c63e31559">0.25%- 2.85%</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ice519a5715c942688b7966afe05b62f2_D20220101-20221231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtNC0xLTEtNzE0Nzc0_ce08d959-d2fe-499a-91a2-973a8971de23">4.30</ix:nonNumeric>%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7cbecae8b87f451dae79a4cb83998a2f_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtNS0xLTEtNzE0Nzc0_b2fa199b-0129-4b02-b3b4-14fa8a9505e5">GRMF 80-2, <br/>GKM 80 / GKMF 95, PASEM,<br/>GKMF 80/95,<br/>PERFM 2000</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if1efa3b20ca346b7b83a7e20044b3d3e_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtNi0xLTEtNzE0Nzc0_8b5a2f51-8888-4189-8e04-5dd17cfe88ab">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-individual</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7cbecae8b87f451dae79a4cb83998a2f_D20210101-20211231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtNy0xLTEtNzE0Nzc0_868d94c7-b603-4edb-9c38-527246f42333">0.24%- 2.85</ix:nonNumeric>%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if1efa3b20ca346b7b83a7e20044b3d3e_D20210101-20211231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtOC0xLTEtNzE0Nzc0_e9b88292-7dae-401f-b89a-e3a993f83bf6">3.60</ix:nonNumeric> %</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i6f4ce42467b54ed28a72285ce72670ef_D20200101-20201231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtOS0xLTEtNzE0Nzc0_238d062c-f27b-4749-9586-77ffcd4d87b7">GRMF 80-2, <br/>GKM 80 / GKMF 95, PASEM,<br/>GKMF 80/95,<br/>PERFM 2000</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if54746b12f73441cb05ae4f2b49a7924_D20200101-20201231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtMTAtMS0xLTcxNDc3NA_284ffc36-faf7-4440-b3c0-0949e6010b10">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-individual</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i6f4ce42467b54ed28a72285ce72670ef_D20200101-20201231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtMTEtMS0xLTcxNDc3NA_81d07368-f6a8-48cf-88a0-c3b4c4a6a8be">0.25%- 2.87%</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if54746b12f73441cb05ae4f2b49a7924_D20200101-20201231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzQtMTItMS0xLTcxNDc3NA_ee97a7a6-5cca-42ba-aeb2-e1fdbf89358f">2.50</ix:nonNumeric> %</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Group insurance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i8d32a362e1514546962cc615ebecb2d8_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtMS0xLTEtNzE0Nzc0_4b5bd497-0544-4c00-8d4b-3cba854eb602">PERFM 2000</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ibe3d6fa05db543bbb6116259879a2e94_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtMi0xLTEtNzE0Nzc0_874d7be2-abcc-4212-9888-e22694f0db7f">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-grupo</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i8d32a362e1514546962cc615ebecb2d8_D20220101-20221231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtMy0xLTEtNzE0Nzc0_d14a623d-4519-4d32-a010-17af019bd988">Depending on the related portfolio</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ibe3d6fa05db543bbb6116259879a2e94_D20220101-20221231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtNC0xLTEtNzE0Nzc0_f95298a3-4429-4e83-9773-c8c914673cd7">5.50</ix:nonNumeric>%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i37a80d228fa74447b5f06acea3a40954_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtNS0xLTEtNzE0Nzc0_97058608-21c2-4318-b68d-b4b503416837">PERFM 2000</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4d00f33da3b9451a82dd8fce4827cd7f_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtNi0xLTEtNzE0Nzc0_d506041f-90f7-4f25-98b1-ad0478f9f1c8">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-grupo</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i37a80d228fa74447b5f06acea3a40954_D20210101-20211231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtNy0xLTEtNzE0Nzc0_1308fd2d-514f-45b7-bffa-9898834428b3">Depending on the related portfolio</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i4d00f33da3b9451a82dd8fce4827cd7f_D20210101-20211231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtOC0xLTEtNzE0Nzc0_8299a59e-3390-47ca-80b2-3616160e38c6">5.50</ix:nonNumeric> %</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="iaf5f3b4de5434475921c04abf5d36320_D20200101-20201231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtOS0xLTEtNzE0Nzc0_d3cc6054-e075-4997-80b7-d9a65cc6f1b6">PERFM 2000</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7584f8b0002e4b809bb5a7a634616ece_D20200101-20201231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtMTAtMS0xLTcxNDc3NA_6ce9ba06-98de-4fc7-a48a-4dd833457b89">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-grupo</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="iaf5f3b4de5434475921c04abf5d36320_D20200101-20201231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtMTEtMS0xLTcxNDc3NA_2c179298-6776-4620-9ea8-f84224a5ff4e">Depending on the related portfolio</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i7584f8b0002e4b809bb5a7a634616ece_D20200101-20201231" name="bbva:AverageTechnicalInterestType" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90YWJsZTpiMzE5MmVmMmYxODc0MDQ0YTA0ODU4ZTRlZWMwYmIyYy90YWJsZXJhbmdlOmIzMTkyZWYyZjE4NzQwNDRhMDQ4NThlNGVlYzBiYjJjXzUtMTItMS0xLTcxNDc3NA_6dbd385e-3314-402a-8b37-d8617b3b717c">5.50</ix:nonNumeric> %</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzU3MTc0NjA0NjQ3NzM5_6820fb3c-2b39-4385-9eeb-2828e8be1fb6" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Provides coverage in the case of one or more of the following events: death, disability and / or serious illness.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTIvZnJhZzplMGM3YzhjMDhkZjU0N2VkOWY0NGY0Y2YyZjZiNjMwOC90ZXh0cmVnaW9uOmUwYzdjOGMwOGRmNTQ3ZWQ5ZjQ0ZjRjZjJmNmI2MzA4XzU3NzI0MzYwNDYxMTUy_477c967a-512d-4946-8e58-d678b2cad3fd" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Insurance policies purchased by companies (other than BBVA Group entities) on behalf of their employees.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_895"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">24.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfProvisionsExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3Xzg2Mw_426fae7c-db3b-4756-acec-442a5eccd23d" continuedAt="i7bf9f66170e74221ac734d9ff54b2d91" escape="true">Provisions</ix:nonNumeric></span></div><ix:continuation id="i7bf9f66170e74221ac734d9ff54b2d91" continuedAt="i24909a9f6a554bb88ff0159ad5c153ac"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProvisionsBreakdownByConceptsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3Xzg2OA_bd7b3c38-9c3f-4cd9-a676-9be6f49616bd" escape="true"><div style="margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets, based on type of provisions, is as follows:</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.681%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.842%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions. Breakdown by concepts (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for pensions and similar obligations </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzItMi0xLTEtMTIxNDEwNQ_756537dd-5729-405a-99fb-8cc654592d50">2,632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzItMy0xLTEtMTIxNDEwNQ_763504fc-3aa7-41fd-9320-23f8db166d97">3,576</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzItNC0xLTEtMTIxNDEwNQ_c19426ec-b77d-4a46-a837-fb93103e819c">4,272</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other long term employee benefits</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzMtMi0xLTEtMTIxNDEwNQ_0d606b89-58f5-4cd7-9520-5cf2d460bd2f">466</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzMtMy0xLTEtMTIxNDEwNQ_9f39fe33-491d-454c-a70f-e5188a26af11">632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzMtNC0xLTEtMTIxNDEwNQ_6c63ec51-c3ab-4851-9f8a-943ee6ed352a">49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for taxes and other legal contingencies</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.1 </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzQtMi0xLTEtMTIxNDEwNQ_bdf5c416-97c9-4447-a764-169d9861c678">685</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzQtMy0xLTEtMTIxNDEwNQ_7228dac1-8b32-451c-8717-eb70104d4a5c">623</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzQtNC0xLTEtMTIxNDEwNQ_ec2be205-36fc-4726-8a4f-8ab7d6ef23a8">612</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for contingent risks and commitments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ProvisionsForCommitmentsAndContingentRisks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzUtMi0xLTEtMTIxNDEwNQ_9683b13f-2496-4fd7-b0d8-f4aa541f97ba">770</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ProvisionsForCommitmentsAndContingentRisks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzUtMy0xLTEtMTIxNDEwNQ_7c6be057-6aea-4a7d-b46e-07def9eb3436">691</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ProvisionsForCommitmentsAndContingentRisks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzUtNC0xLTEtMTIxNDEwNQ_86c972ba-016a-4254-8577-b8e18ad0cb3e">728</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzYtMi0xLTEtMTIxNDEwNQ_d7768af1-2f1f-4448-946c-594edad3c514">380</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzYtMy0xLTEtMTIxNDEwNQ_1e3a0f26-2f85-440d-a299-e6c275d5629b">366</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzYtNC0xLTEtMTIxNDEwNQ_bd127011-dba0-4fb4-8835-1a8e2ec2d701">479</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzktMi0xLTEtMTIxNDEwNQ_1e95c2c5-5c85-4b22-bf98-079b0d7e6520">4,933</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzktMy0xLTEtMTIxNDEwNQ_537fab49-1e9a-4fac-af6c-e8a94e72e029">5,889</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZToxOTY0MmZlMGJlYmE0MDFhYmQ4OTg0ZTI0YTYxNmU4OS90YWJsZXJhbmdlOjE5NjQyZmUwYmViYTQwMWFiZDg5ODRlMjRhNjE2ZTg5XzktNC0xLTEtMTIxNDEwNQ_54e8bcbf-09e1-4388-8523-2232e4eeddd4">6,141</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3XzU3NzI0MzYwNDYxNzI3_fce542be-2db2-48d3-b33e-5fb01a5ca49d" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation is mainly due to the lower valuation of defined benefit commitments after the interest rate hike in Spain and benefit payments.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3XzU3NzI0MzYwNDYxNzI4_983a0113-4409-4591-bfe7-e494b61560d4" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) The variation is mainly explained by the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3XzU3NzI0MzYwNDYxNzI5_704e87ff-cb32-421c-bcfa-43a12f5e5666" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-143</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i24909a9f6a554bb88ff0159ad5c153ac" continuedAt="id57fd36a519d4e23a3aedbb7bfbdbb57"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3Xzg2OQ_2f9e5b1f-dda5-463f-b1d2-9f30fb0bfba7" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The change in provisions for pensions and similar obligations for the years ended December 31, 2022, 2021 and 2020 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.218%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.997%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions for pensions, other post-employment obligations for defined benefit plans, and other long term employee benefits. Changes over the year (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzItMi0xLTEtMTIxNDIwMQ_43b491d2-7908-4aff-9fd2-11b7cbf77a0f">3,576</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzItMy0xLTEtMTIxNDIwMQ_fde0bf04-8874-445a-91c6-8f3e344c5bb8">4,272</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzItNC0xLTEtMTIxNDIwMQ_abcf70a1-4346-4da3-abfd-f6a6471eb422">4,631</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charges to income for the year </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzQtMi0xLTEtMTIxNDIwMQ_698ea15d-da5c-439e-bb9a-a8a787697719">26</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzQtMy0xLTEtMTIxNDIwMQ_692c55ed-9e45-4a41-b85b-80749311c034">141</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzQtNC0xLTEtMTIxNDIwMQ_62d8e099-e04f-4d2e-ac04-c1f6fdf8b0c4">298</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest expense and similar charges</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InteresetExpenseAndSimilarChargesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzUtMi0xLTEtMTIxNDIwMQ_055224b9-67ae-4901-b971-4da33607b39d">75</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InteresetExpenseAndSimilarChargesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzUtMy0xLTEtMTIxNDIwMQ_dd002ed0-7b30-45ee-b941-8798a30dfa16">37</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InteresetExpenseAndSimilarChargesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzUtNC0xLTEtMTIxNDIwMQ_f4e31f3c-997d-4e81-b7ef-a0237e72618e">44</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Personnel expense</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">44.1</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzYtMi0xLTEtMTIxNDIwMQ_b895da49-cb3b-4b67-9f65-12c79381d602">43</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzYtMy0xLTEtMTIxNDIwMQ_3d7c7c00-bbb0-47f8-9aef-4d6b857cb347">49</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzYtNC0xLTEtMTIxNDIwMQ_d447f5da-fead-4b15-b744-614712929b7d">49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Provision expense</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ProvisionsExpensesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzctMi0xLTEtMTIxNDIwMQ_1fc9d839-c613-4d55-9214-0b12564de6dc">92</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ProvisionsExpensesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzctMy0xLTEtMTIxNDIwMQ_f200bf1f-fd76-4091-a416-e2bc3b77a8e2">56</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ProvisionsExpensesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzctNC0xLTEtMTIxNDIwMQ_37842a43-7c0f-46df-b2d5-83ade1d370c0">205</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charges (credits) to equity </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfReimbursementRights" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzgtMi0xLTEtMTIxNDIwMQ_673fc007-a266-41fb-8d5a-92733065e949">433</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfReimbursementRights" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzgtMy0xLTEtMTIxNDIwMQ_c951cf22-cbcf-4988-83af-75dc568b72fd">206</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfReimbursementRights" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzgtNC0xLTEtMTIxNDIwMQ_d53c81b9-76b5-4f9f-9159-62f835f19d9f">191</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers and other changes</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TransfersAndOtherChangesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzktMi0xLTEtMTIxNDIwMQ_abaa0043-1930-4e8a-ad31-ccfc2ec91f1a">23</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:TransfersAndOtherChangesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzktMy0xLTEtMTIxNDIwMQ_c6a3ab94-a23a-4fd7-a4be-e90e8d85a649">21</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:TransfersAndOtherChangesForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzktNC0xLTEtMTIxNDIwMQ_b66854f2-d617-4a82-b270-9e70b543be71">71</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit payments</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:BenefitPaymentsForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzExLTItMS0xLTEyMTQyMDE_11c92fc7-856f-4ba5-ad58-baac70d77552">492</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:BenefitPaymentsForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzExLTMtMS0xLTEyMTQyMDE_447a6129-3c50-4ac7-a691-05713da42c16">608</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:BenefitPaymentsForPensions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzExLTQtMS0xLTEyMTQyMDE_1b7cdcc3-c4f6-4891-9ad8-da573d6c558b">654</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:EmployerContributions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzEyLTItMS0xLTEyMTQyMDE_ce8e86bf-3de6-48d5-b7e2-c625ae194448">67</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:EmployerContributions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzEyLTMtMS0xLTEyMTQyMDE_88dd43f8-392c-4d85-bba7-f4d626d148e5">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:EmployerContributions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzEyLTQtMS0xLTEyMTQyMDE_5032d99d-60e4-4173-a4b7-c40c56f54fa8">124</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzEzLTItMS0xLTEyMTQyMDE_14f9a90a-a325-43fa-af2b-d6128d58ab92">2,632</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzEzLTMtMS0xLTEyMTQyMDE_5270c4cd-550d-47b6-a1a0-6c770a4fac0a">3,576</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTo4Nzc4YjRiZTdkM2I0NDNlOTE5NzliOTRhNjJlMjI5MC90YWJsZXJhbmdlOjg3NzhiNGJlN2QzYjQ0M2U5MTk3OWI5NGE2MmUyMjkwXzEzLTQtMS0xLTEyMTQyMDE_aa9aa3e4-6f2e-49fa-ad75-7bcd84b816b1">4,272</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3XzU3NzI0MzYwNDYyMDU1_a744e293-934b-41c4-bc32-ed0982980d9b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#8220;Equity&#8221; (see Note 2.2.11).</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3XzU3NzI0MzYwNDYyMjA0_e5fc60a7-172a-41c3-8d23-d7e7ac286300" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) In 2020, it includes the amount of the USA Sale (see Notes 3 and 21).</ix:footnote></span></div></ix:nonNumeric><div style="text-indent:3.82pt"><span><br/></span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3Xzg3MQ_adc19a72-449a-4afc-bcf0-550d4adf15db" escape="true"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.756%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.307%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions for taxes, legal contingencies and other provisions. Changes over the year (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at beginning </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzItMS0xLTEtNzE0Nzc0_0ad2309d-26b6-4ead-90c1-bde778b9ad01">990</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzItMi0xLTEtNzE0Nzc0_2321b7ea-aacc-447d-bf22-a0c16dd23b8b">1,091</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcf7d957b97d4c2ebe229ab5ac422099_I20191231" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzItMy0xLTEtNzE0Nzc0_c73efd27-4fb1-43cf-b085-f4c4b1a0d768">1,134</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzMtMS0xLTEtNzE0Nzc0_37dce6e9-2fa6-4aec-8ec6-62404c4900a7">417</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzMtMi0xLTEtNzE0Nzc0_a1c483d0-6732-49f0-911a-6fab85cb4999">1,175</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzMtMy0xLTEtNzE0Nzc0_edc7332e-37cc-4880-95a9-358304743dce">555</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of subsidiaries</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzQtMS0xLTEtNzE0Nzc0_3a08e9b0-baeb-49c3-b74e-f9f5fa42cb9e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzQtMi0xLTEtNzE0Nzc0_1a54939e-e03a-40cc-a9a7-3865bb8c17a9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzQtMy0xLTEtNzE0Nzc0_05e4e441-7eda-414f-a05f-2a12c7936864">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unused amounts reversed during the year</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzUtMS0xLTEtNzE0Nzc0_847ba7b7-64be-4293-bdb7-f02593e6bfdb">130</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzUtMi0xLTEtNzE0Nzc0_5f30619d-01bb-47d7-8128-a44aed7ec53f">227</ix:nonFraction>)</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzUtMy0xLTEtNzE0Nzc0_64393043-81a1-47a8-9b81-eae80ede9268">215</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amount used and other variations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzYtMS0xLTEtNzE0Nzc0_b40248ac-d580-4ea3-b22b-0d5776fd0bd9">211</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzYtMi0xLTEtNzE0Nzc0_e0147110-28ff-42af-8e49-b667a337022d">1,050</ix:nonFraction>)</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzYtMy0xLTEtNzE0Nzc0_9d884e3f-2fd0-4ffb-8a1b-fec6b4d6ccd2">383</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzctMS0xLTEtNzE0Nzc0_66f1bc23-9228-484c-8755-1d4b3fb2a8d9">1,065</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzctMi0xLTEtNzE0Nzc0_20b017aa-f891-408b-8a22-dc9d0555d4b4">990</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90YWJsZTplZGZkMWYzOTY0YTY0MjY1OGJiODVmZDhmNjU3ODIzNy90YWJsZXJhbmdlOmVkZmQxZjM5NjRhNjQyNjU4YmI4NWZkOGY2NTc4MjM3XzctMy0xLTEtNzE0Nzc0_d2f9d3e7-a4f1-4a3c-ba5a-0611209be16f">1,091</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV84OTUvZnJhZzphYWU5ZDFmN2MzZTU0ZjhhOTQ1ZjVmZGUzMzZiMzljNy90ZXh0cmVnaW9uOmFhZTlkMWY3YzNlNTRmOGE5NDVmNWZkZTMzNmIzOWM3XzU3NzI0MzYwNDYyODY1_9de156c1-da2d-4322-8440-fec72b726d3a" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2021, it includes the initial recognition of the estimated cost of the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A., and the subsequent reclassification from "Other provisions" to "Other long term employee benefits" for the remaining amount at the time of the reclassification.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Collective layoff procedure </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On June 8, 2021, BBVA reached an agreement with the union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain on April 13, 2021, which would affect a maximum of 2,935 employees. The agreement also included the closing of 480 offices. The cost of the process amounted to &#8364;994 million before taxes, of which &#8364;754 million corresponded to the collective layoff and &#8364;240 million to the closing of offices (see Notes 17, 21, 46, 49 and 50). By the time the procedure was over, 2,899 employees had accepted the agreement and effectively departed BBVA. </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_898"></div><ix:continuation id="id57fd36a519d4e23a3aedbb7bfbdbb57"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Ongoing legal proceedings and litigation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial sector faces an environment of increased regulatory pressure and litigation. In this environment, the various Group entities are often subject to lawsuits and involved in individual or collective legal proceedings and litigation arising from their activity and operations, including proceedings arising from their lending activity, from their labor relations and from other commercial, regulatory or tax issues, as well as in arbitration. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On the basis of the information available, the Group considers that, as of December 31, 2022, the provisions made in relation to judicial proceedings and arbitrations, where so required, are adequate and reasonably cover the liabilities that might arise, if any, from such proceedings and arbitrations. Furthermore, on the basis of the information available and with the exceptions indicated in Note 7.1 "Risk factors", BBVA considers that the liabilities that may arise from such proceedings will not have, on a case-by-case basis, a significant adverse effect on the Group's business, financial situation or results of operations.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_901"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">25.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzExODM_9220ef64-9038-426b-b3b4-96dad324f231" continuedAt="i6429b0354f504ec18b373e9ae757412b" escape="true">Post-employment and other employee benefit commitments</ix:nonNumeric></span></div><ix:continuation id="i6429b0354f504ec18b373e9ae757412b" continuedAt="i26e63447f8e6431d9ed2c5dad1d2d544"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As stated in Note 2.2.11, the Group has assumed commitments with employees including short-term employee benefits (see Note 44.1), defined contribution and defined benefit plans (see Glossary), healthcare and other long-term employee benefits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group sponsors defined-contribution plans for the majority of its active employees with the plans in Spain and Mexico being the most significant. Most defined benefit plans are closed to new employees with liabilities relating largely to retired employees, the most significant being those in Spain, Mexico and Turkey. In Mexico, the Group provides medical benefits to a closed group of employees and their family members, both active service and in retirees.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-144</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i26e63447f8e6431d9ed2c5dad1d2d544" continuedAt="i78b7d0d0d6a34878a447172f874150e0"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzExODU_671d781b-ceef-44b1-943f-beba42784a3a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the net defined benefit liability recorded on the balance sheet as of December 31, 2022, 2021 and 2020 is provided below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.983%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.303%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net defined benefit liability (asset) on the consolidated balance sheet (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension commitments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:PensionCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzItMi0xLTEtNzE0Nzc0_d6ef2afe-5c79-4026-bc81-e249e20fe24d">3,661</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:PensionCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzItMy0xLTEtNzE0Nzc0_ab408977-f9bf-4124-9278-b4507f1eae24">4,218</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:PensionCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzItNC0xLTEtNzE0Nzc0_8d558107-a0c7-446a-8844-ac5f90659520">4,539</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Early retirement commitments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:EarlyRetirementCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzMtMi0xLTEtNzE0Nzc0_c28efddc-d80d-4609-aa4d-cb53f4697d53">606</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:EarlyRetirementCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzMtMy0xLTEtNzE0Nzc0_ea48574d-b5a9-422b-8c5b-401415ede1d7">952</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:EarlyRetirementCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzMtNC0xLTEtNzE0Nzc0_fb8a6aba-b7a0-412f-86a8-8d48bddf650f">1,247</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Medical benefits commitments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzQtMi0xLTEtNzE0Nzc0_6d3dff72-51f5-475d-8956-a5f74c93ffba">1,448</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzQtMy0xLTEtNzE0Nzc0_2ce8b0fd-fdca-4eb2-80c4-cda7556a12da">1,377</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzQtNC0xLTEtNzE0Nzc0_3fbbe4ed-7331-4508-8530-17381336b9f2">1,562</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other long term employee benefits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzUtMi0xLTEtNzE0Nzc0_24adb715-219d-47be-91eb-e4a12feb75bf">466</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzUtMy0xLTEtNzE0Nzc0_94e60b80-c291-4759-ad4c-0b0cd7df8e2c">632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzUtNC0xLTEtNzE0Nzc0_f0715d1f-e6ee-43e1-ba40-27a567849879">49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total commitments</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzYtMi0xLTEtNzE0Nzc0_5296954a-6692-480a-b034-4821ad1109bd">6,181</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzYtMy0xLTEtNzE0Nzc0_f388bc3c-1b53-4db0-9ebb-4ae55567b80c">7,180</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzYtNC0xLTEtNzE0Nzc0_be12a301-964e-4c31-8d51-2130c87cddfd">7,398</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension plan assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:PensionPlanAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzctMi0xLTEtNzE0Nzc0_df3fd201-e30a-4fdd-b625-28862af2753f">1,608</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:PensionPlanAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzctMy0xLTEtNzE0Nzc0_dd774b26-93b6-4833-9b8f-3bbf0b678508">1,494</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:PensionPlanAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzctNC0xLTEtNzE0Nzc0_0bae97e8-31fe-46a7-ad57-79bf4818d76d">1,608</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Medical benefit plan assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:MedicalBenefitPlanAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzgtMi0xLTEtNzE0Nzc0_21acef59-c5b6-4037-84db-a7463abeea37">1,476</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:MedicalBenefitPlanAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzgtMy0xLTEtNzE0Nzc0_04b23ea6-a819-4436-b923-93956e5f1006">1,494</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:MedicalBenefitPlanAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzgtNC0xLTEtNzE0Nzc0_f36dc226-078c-4aa9-bb69-ede66302d327">1,484</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total plan assets </span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzktMi0xLTEtNzE0Nzc0_267e592b-e0c7-407f-aa07-bfe6c9c7efb9">3,084</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzktMy0xLTEtNzE0Nzc0_e88866ea-8e1f-43c1-bd56-5a674c1dd17b">2,988</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzktNC0xLTEtNzE0Nzc0_a13b965d-7575-4eec-8129-bccc502f6f91">3,092</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net liability / asset </span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalNetDefinedBenefitLiabilityAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzExLTItMS0xLTcxNDc3NA_97d599e2-6312-4148-a4fb-2b0bf46c0754">3,097</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalNetDefinedBenefitLiabilityAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzExLTMtMS0xLTcxNDc3NA_1f53d9c8-58cf-4f78-99f4-7dae6ca0e0a3">4,193</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalNetDefinedBenefitLiabilityAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzExLTQtMS0xLTcxNDc3NA_820ff7bd-0c4e-410c-8ad7-34b7f26c4bdf">4,305</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Net asset on the consolidated balance sheet </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzEyLTItMS0xLTcxNDc3NA_2590a5c9-dcd0-40af-b594-a58686171aa3">1</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzEyLTMtMS0xLTcxNDc3NA_0edda329-ede3-4e99-88e4-7e8de48b3b18">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzEyLTQtMS0xLTcxNDc3NA_0d4cb74a-db1d-48cb-8ec5-20f198978b49">16</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Net liability on the consolidated balance sheet for provisions for pensions and similar obligations </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzEzLTItMS0xLTcxNDc3NA_de2a4123-8aa5-433e-b240-934b325117c2">2,632</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzEzLTMtMS0xLTcxNDc3NA_4baedb81-5d78-49f0-b09e-702e5d895ac9">3,576</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzEzLTQtMS0xLTcxNDc3NA_54917f7a-bbfd-4e97-87c6-f751879b1620">4,272</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Net liability on the consolidated balance sheet for other long term employee benefits</span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzE0LTItMS0xLTcxNDc3NA_2ca86bf0-1f4c-458d-9047-6bb3775e316e">466</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzE0LTMtMS0xLTcxNDc3NA_a9e194a4-33b8-4598-b645-81ed36ff2e85">632</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTphZGJjNjgwY2FlNjY0OTQyODAzYThiZmViOWI1MGZiZS90YWJsZXJhbmdlOmFkYmM2ODBjYWU2NjQ5NDI4MDNhOGJmZWI5YjUwZmJlXzE0LTQtMS0xLTcxNDc3NA_dd8faebd-a3a1-4f1d-a7aa-a35740fdbcbe">49</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzU3NzI0MzYwNDYzODU0_a7d9496d-54c8-4799-969e-bf01151c9f17" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#8364;188 million as of December 31, 2022 which, in accordance with IFRS regarding the asset ceiling, has not been recognized in the Consolidated Financial Statements, because although it could be used to reduce future pension contributions it could not be immediately refunded to the employer.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzU3NzI0MzYwNDY0MDYx_a7c71b71-835e-4e8a-abd3-3a72fd03f35b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Recorded under the heading &#8220;Other Assets - Other&#8221; of the consolidated balance sheet (see Note 20).</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzU3NzI0MzYwNDY0MzIw_d52625b6-37d2-45d0-8962-9c0c6c00ca8d" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the consolidated balance sheet.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzU3NzI0MzYwNDY0ODE0_0ef78bf4-7cd7-4c4b-a287-c49dae42c1f5" footnoteRole="http://www.xbrl.org/2003/role/footnote">(4) Recorded under the heading &#8220;Provisions &#8211; Other long-term employee benefits&#8221; of the consolidated balance sheet. The variation is mainly explained by the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A.</ix:footnote></span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ConsolidatedIncomeStatementImpactTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzExODc_19f69887-e708-4d23-95e5-0041937b461e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The impact relating to benefit commitments charged to consolidated income statement for the years 2022, 2021 and 2020 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:50.055%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.304%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consolidated income statement impact (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest and other expense</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzItMi0xLTEtNzE0Nzc0_ee170a28-5170-49be-b03e-2f118e638950">75</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzItMy0xLTEtNzE0Nzc0_0fc7441b-b26a-4878-b6ba-cb23d9f7ef0d">37</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzItNC0xLTEtNzE0Nzc0_7d6f065b-0b0b-4d29-873c-2d3fdfc54531">44</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestExpensesBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzMtMi0xLTEtNzE0Nzc0_d604a532-eb45-45c0-a4e0-575afd031dad">342</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestExpensesBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzMtMy0xLTEtNzE0Nzc0_4f64e379-b95f-4e6a-bd0e-eeb049a6cd3d">257</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestExpensesBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzMtNC0xLTEtNzE0Nzc0_938a2b62-34e4-4ccf-8b8e-13c89d555f4f">265</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:InterestIncomeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzQtMi0xLTEtNzE0Nzc0_bd2107e6-a448-4a91-889d-681cd79ee8df">267</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:InterestIncomeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzQtMy0xLTEtNzE0Nzc0_b68121e7-bd6f-4612-a320-05ecc098918f">220</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:InterestIncomeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzQtNC0xLTEtNzE0Nzc0_62ee24da-4c42-43be-9efd-0b363fb6eb1d">220</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Personnel expense</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:PersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzUtMi0xLTEtNzE0Nzc0_320fa1ce-1e76-44c4-84d9-05c8c91cea87">130</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:PersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzUtMy0xLTEtNzE0Nzc0_92cba6a4-d869-4ee8-99bf-f1bdac20fa47">120</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:PersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzUtNC0xLTEtNzE0Nzc0_51377390-b038-41f6-a3cf-c99c43a076cf">121</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined contribution plan expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44.1</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:DefinedContributionPlanExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzYtMi0xLTEtNzE0Nzc0_136b7e02-3b63-44ed-8086-6ad74428a2bf">87</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:DefinedContributionPlanExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzYtMy0xLTEtNzE0Nzc0_a055d908-bb0f-4231-b007-a7e69813fd41">71</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:DefinedContributionPlanExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzYtNC0xLTEtNzE0Nzc0_2a5666ba-0d03-4904-8213-2cab60b754c0">72</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit plan expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44.1</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitPlansExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzctMi0xLTEtNzE0Nzc0_c1a86192-6d83-4917-aa50-04009514b28d">43</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:DefinedBenefitPlansExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzctMy0xLTEtNzE0Nzc0_ca81f96f-6ce2-4544-9e62-6acc5f2a74d4">49</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:DefinedBenefitPlansExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzctNC0xLTEtNzE0Nzc0_db6b69eb-8ee4-47f0-ae3d-492bcb4cbfc1">49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions or (reversal) of provisions</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzgtMi0xLTEtNzE0Nzc0_7cbdeef1-bdd9-4d1f-b0b5-74ad69ee39a6">89</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzgtMy0xLTEtNzE0Nzc0_1e4f654a-8d1b-485e-9aba-5b0f731c486d">61</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzgtNC0xLTEtNzE0Nzc0_431826dd-bebb-45b8-b594-c4eccc2da24c">210</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Early retirement expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:EarlyRetirementExpense" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzktMi0xLTEtNzE0Nzc0_8e1c1ea9-b8be-404a-95b9-5b1a4ea0d927">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:EarlyRetirementExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzktMy0xLTEtNzE0Nzc0_f481e5a4-0767-4f3f-a0c0-fc215332568f">100</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:EarlyRetirementExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzktNC0xLTEtNzE0Nzc0_8a1ae29c-cbec-4e0a-88ea-1dd6fdaa6645">224</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:PastServiceCostExpenseOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEwLTItMS0xLTcxNDc3NA_97aeab07-0fe5-415a-8c2a-cd5cd07aaa05">34</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:PastServiceCostExpenseOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEwLTMtMS0xLTcxNDc3NA_ba929873-78b0-46bd-873a-123925476584">28</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:PastServiceCostExpenseOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEwLTQtMS0xLTcxNDc3NA_9667f54e-7270-4c6b-8b78-5e1d78ed060b">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:RemeasurementsOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzExLTItMS0xLTcxNDc3NA_01b49ffd-9e86-47a9-83f0-25a09c823a2b">126</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:RemeasurementsOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzExLTMtMS0xLTcxNDc3NA_8880d50a-1b84-4621-835a-bfc7b693683e">16</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:RemeasurementsOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzExLTQtMS0xLTcxNDc3NA_6eb3fb09-9d2c-490a-8b54-965d1d840158">11</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other provision expense</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherProvisionExpenseImpactOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEyLTItMS0xLTcxNDc3NA_3f3a496d-e360-41a4-a322-b27aa7685bcb">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherProvisionExpenseImpactOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEyLTMtMS0xLTcxNDc3NA_b23f21d8-ee57-4fc1-be3c-04945e5d8f4e">6</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherProvisionExpenseImpactOnIncomeStatement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEyLTQtMS0xLTcxNDc3NA_4949a806-e64d-4575-86c1-05462755377f">4</ix:nonFraction></span></td></tr><tr><td colspan="6" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impact on consolidated income statement: expense (income)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TotalConsolidatedIncomeStatementImpact" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEzLTItMS0xLTcxNDc3NA_cf50c0db-d3be-4ddc-b431-dd1ee8c0c84b">116</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:TotalConsolidatedIncomeStatementImpact" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEzLTMtMS0xLTcxNDc3NA_3b68c917-c88c-4614-bf1f-0047b98788b8">218</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TotalConsolidatedIncomeStatementImpact" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZToxODA3YmRhMTA4ZmM0YTAxOTdhNTM2MmFiMmQwOGIwYy90YWJsZXJhbmdlOjE4MDdiZGExMDhmYzRhMDE5N2E1MzYyYWIyZDA4YjBjXzEzLTQtMS0xLTcxNDc3NA_d5129f5a-6034-4700-b4c2-4ec0afa858a3">375</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzU3NzI0MzYwNDY1MjU5_e45e3376-41e4-447d-bf3b-c32880a5effe" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Actuarial losses (gains) on remeasurement of the net defined benefit liability relating to early retirements in Spain and other long-term employee benefits that are charged to the income statements (see Note 2.2.12).</ix:footnote></span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EquityImpactTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzExODI_65a06aaf-0b0d-47aa-a082-fee11d70239a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts relating to post-employment benefits charged to the consolidated balance sheet correspond to the actuarial gains (losses) on remeasurement of the net defined benefit liability relating to pension and medical commitments before income taxes as of December 31, 2022, 2021 and 2020 are as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:63.769%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.611%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity impact (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit plans</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0b6ce08db4ef494690a77e8a6976a39e_I20221231" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzItMi0xLTEtNzE0Nzc0_5d774c2b-c5ec-4e2d-871c-6ea213885add">363</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i306ed4c4f6814c909d6b2152c609ae73_I20211231" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzItMy0xLTEtNzE0Nzc0_1629e75e-8349-48c9-baad-898036b4d4a3">52</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b51de6a70d442af8a0c17122955a71f_I20201231" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzItNC0xLTEtNzE0Nzc0_f8d389f5-bc5d-4259-8d67-0b0890c1bf14">161</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Post-employment medical benefits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie2ca39284d2f490093f813f0e4024482_I20221231" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzMtMi0xLTEtNzE0Nzc0_ddc902a7-9c4b-495f-a427-9bd9d5c270b2">71</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iab57a2f845b74875a7aae52e74909999_I20211231" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzMtMy0xLTEtNzE0Nzc0_4fb98002-7eca-4e4e-8b52-4977b3491e0a">257</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i270f89538f1244729c1ba9b2059b8468_I20201231" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzMtNC0xLTEtNzE0Nzc0_c53c2fc0-086b-4a11-ac5c-ea1f31857f12">30</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impact on equity: debit (credit)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzQtMi0xLTEtNzE0Nzc0_deed1fcc-2850-4d6f-b9ac-9368ae09dcb3">433</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzQtMy0xLTEtNzE0Nzc0_5ba49bb7-5de5-412e-bf90-6642b20c8f6b">206</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90YWJsZTplMGI1YmUzMTEwMTY0YjY3YTUxMGZkMWE0YTQ4MmZkOS90YWJsZXJhbmdlOmUwYjViZTMxMTAxNjRiNjdhNTEwZmQxYTRhNDgyZmQ5XzQtNC0xLTEtNzE0Nzc0_735b2cb4-318f-4b9a-af09-662c766fdd2c">191</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2022, the aggregate impact of this heading amounted to a credit of &#8364;<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDEvZnJhZzphOWYxZTE2ODlhNmU0ZWMwYTU0NDg5NDEwMGViZWJjZC90ZXh0cmVnaW9uOmE5ZjFlMTY4OWE2ZTRlYzBhNTQ0ODk0MTAwZWJlYmNkXzMyOTg1MzQ4OTA0MDQ_deed1fcc-2850-4d6f-b9ac-9368ae09dcb3">433</ix:nonFraction> million driven by the variation in financial assumptions, gains of &#8364;558 million from commitments in Spain, and losses of &#8364;72 million for commitments in Mexico. These amounts are offset by other minor effects of actuarial experience in these geographical areas and financial, demographic and experience effects in other geographical areas.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-145</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i78b7d0d0d6a34878a447172f874150e0" continuedAt="ie82d607caf6a41d0af12e849ac46f921"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2021, the aggregate impact of this heading amounted to a credit of &#8364;206 million driven by the variation in financial assumptions, gains of &#8364;171 million for the commitments in Mexico, and gains of &#8364;55 million for the commitments in Spain. These amounts are offset by other geographies and demographic and experience effects.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2020, the aggregate impact of this heading amounted to a debit of &#8364;191 million, driven mainly by the variation in interest rates and losses on commitments (&#8364;91 million in Mexico and &#8364;68 million in Spain) and, to a lesser extent, the updating of the mortality tables in Spain (&#8364;49 million losses). These amounts are partially offset by the effect in other geographies and experience. </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_904"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">25.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ie82d607caf6a41d0af12e849ac46f921" continuedAt="i4315e9cf68a94e0c970c5f68992bd93b">Defined benefit plans</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_907"></div><ix:continuation id="i4315e9cf68a94e0c970c5f68992bd93b" continuedAt="i3c7afdaf89cb4752b49d15a49f96d6e0"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DefinedBenefitsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90ZXh0cmVnaW9uOjFiYTk0MWI2YzE4ZjRjMDliYzcxMmRjYWYyMjUyNDA3XzI4NQ_0caac866-061a-4d8c-9e08-fdcb7bce5d88" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Defined benefit commitments relate mainly to employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employees. For the latter, the Group pays the required premiums to fully insure the related liability. The change in these pension commitments during the years ended December 31, 2022, 2021 and 2020 is presented below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:21.704%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Defined benefits (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Plan assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liability (asset)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Plan assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liability (asset)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Plan assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liability (asset)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5448e5f1be6b4da8856a9bbd755ffc48_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtMS0xLTEtNzE0Nzc0_3fcb6fa5-3faa-41f7-b9b7-449e1fa3eafa">6,547</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5079f993e7cc4a80ae9414481d8fe240_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtMi0xLTEtNzE0Nzc0_5cad33e6-7cf1-4f8b-810b-d10a343600b1">2,988</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e8fb06653534532802292d9b6535962_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtMy0xLTEtNzE0Nzc0_6204368d-a442-408f-815c-d3b2795b79b0">3,560</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf320049dad040328310c0c79ac3924e_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtNC0xLTEtNzE0Nzc0_3bda9675-1603-494a-ab5f-f0fd1355135a">7,348</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03ad7dc589d54418b041272bd6944465_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtNS0xLTEtNzE0Nzc0_849f2e05-b347-4e83-bbb4-1ad0862b5306">3,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3873c9e37d114534b58c3a84b483ecb8_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtNi0xLTEtNzE0Nzc0_8a4a3bce-22fd-4e7a-8434-8698c2cd4565">4,256</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17977a7d18f345628e4ea86a5071caf9_I20191231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtNy0xLTEtNzE0Nzc0_634b3cfb-cc94-49e4-9fb3-0b775d81709c">8,116</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5365f9b439e74683befdda99fe7701f8_I20191231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtOC0xLTEtNzE0Nzc0_0fdf0ac6-38a1-42ad-8691-9b504685dc95">3,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbc2867be6f64143ab4ae23dc442a5d1_I20191231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzMtOS0xLTEtNzE0Nzc0_55132e0b-ec77-4209-aa1d-7af497debfe4">4,622</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i526325c05680458dbe4e9a36ad873890_D20220101-20221231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtMS0xLTEtNzE0Nzc0_245e6ce5-0e65-4a71-884c-151256244354">45</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaaa47d9809004397a9c5443defdde6a2_D20220101-20221231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtMi0xLTEtNzE0Nzc0_d911bddd-5121-4d7f-a59c-9ed173f167bc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaf0a7d8c02584d6c950ba7c3a39b18c8_D20220101-20221231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtMy0xLTEtNzE0Nzc0_119fd59d-8794-4208-b93d-1f120d174423">45</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i62dbb13f687a48eab280419a53b99242_D20210101-20211231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtNC0xLTEtNzE0Nzc0_f5e1a139-30e8-465f-bf56-42e25f0fcc36">53</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i930b5bc7f2244aee864d1be94e49698a_D20210101-20211231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtNS0xLTEtNzE0Nzc0_3d2ede54-d321-4c30-96b7-2d1ccce26059">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f102648b19e4cc8af16c71dce39456b_D20210101-20211231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtNi0xLTEtNzE0Nzc0_0b8420e5-4c54-4ea7-8e4a-1488b1e58c03">53</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ad5595075c64e629489b301dfe9e028_D20200101-20201231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtNy0xLTEtNzE0Nzc0_0b2afa4e-4359-4f93-9b10-b04eae7ebfea">53</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e96c63d2ce741b8b45e13a2966b564f_D20200101-20201231" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzQtOS0xLTEtNzE0Nzc0_97ee5a58-0bc8-4ec4-bb5f-3d59262b61d2">53</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income/expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzEyLTYtMS0xLTcxNDc3NA_404a8755-c368-487c-9651-43a2df33bb26">259</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ad5595075c64e629489b301dfe9e028_D20200101-20201231" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzEyLTctMS0xLTcxNDc3NA_dea2323c-cb2d-4987-9ed5-6fbd34dc81de">276</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8e96c63d2ce741b8b45e13a2966b564f_D20200101-20201231" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzEyLTgtMS0xLTcxNDc3NA_80ab770e-31e3-4628-b071-64020de5bcfc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie764200b56eb475fa37cb2d6ed19851a_D20200101-20201231" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" 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contextRef="i526325c05680458dbe4e9a36ad873890_D20220101-20221231" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzEzLTEtMS0xLTcxNDc3NA_cb2b333b-03c3-44f5-b56e-bb15db17cf68">100</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaaa47d9809004397a9c5443defdde6a2_D20220101-20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzE5LTgtMS0xLTcxNDc3NA_62904414-9091-4e82-b5b5-927d4e8e707a">3</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie764200b56eb475fa37cb2d6ed19851a_D20200101-20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzE5LTktMS0xLTcxNDc3NA_12e96d5d-c0fe-4af1-929a-a0976b7285b6">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib422d64bd2dd4f21b7823608e5bcb5f0_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTEtMS0xLTcxNDc3NA_56763393-2e87-4c17-82f2-3ad82f950ff8">5,715</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icea32fb833de40d5908c2a6e4c71771b_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTItMS0xLTcxNDc3NA_ccec2bb2-6ca8-41b3-83f5-1008cb3b0f30">3,084</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ce549c8542e4758b1cb86b576b5a57f_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTMtMS0xLTcxNDc3NA_64ed7e29-938c-40c6-ac2a-d3a3fcc087b8">2,631</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5448e5f1be6b4da8856a9bbd755ffc48_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTQtMS0xLTcxNDc3NA_984b4324-ead5-4a80-b047-7c00536f4db6">6,547</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5079f993e7cc4a80ae9414481d8fe240_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTUtMS0xLTcxNDc3NA_1eecd9c3-e2c1-4487-88b3-ac16dc34629f">2,988</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5e8fb06653534532802292d9b6535962_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTYtMS0xLTcxNDc3NA_a90175e1-a172-4201-afb2-815aee80833b">3,560</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf320049dad040328310c0c79ac3924e_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTctMS0xLTcxNDc3NA_416a7c2b-78c5-46a8-88b4-dd1fa34d0ff3">7,348</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03ad7dc589d54418b041272bd6944465_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTgtMS0xLTcxNDc3NA_37de368b-65c2-42c2-82e5-e80c298ad578">3,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3873c9e37d114534b58c3a84b483ecb8_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIwLTktMS0xLTcxNDc3NA_155b68b6-5f4b-4098-af30-a09e213e92b9">4,256</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd2d9334eb4444eb8a00244b54ad540c_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTEtMS0xLTcxNDc3NA_45eb7578-2a2e-4a4b-a39d-578361110725">2,546</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08bd8b998f9e4e3eac2a6b08f9527167_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTItMS0xLTcxNDc3NA_2055b6d7-a6e2-4a5c-a071-d946406a645f">147</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02948b84868545f4b225733c80bb578a_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTMtMS0xLTcxNDc3NA_f74a5abd-66ad-4d30-b79b-c19e7cebbe49">2,399</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib396f48f05fe41f680c79ca0c90031bd_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTQtMS0xLTcxNDc3NA_ee47842f-7f1c-448e-a562-d565471826e6">3,670</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i36fe3221b3384b0aaf0702514864ebaa_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTUtMS0xLTcxNDc3NA_d2e696e6-af7c-4caf-ab07-994c51665011">206</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic929a824e0f44d46857ffb7f7821a684_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTYtMS0xLTcxNDc3NA_e5e9e251-1acd-4aca-9a09-1bd5de3187bf">3,464</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i513e7cd1d95249368d82e962ea6180d4_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTctMS0xLTcxNDc3NA_5ba3142d-9c0a-42c8-85cb-f99c35f3243c">4,288</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if448e11b95064b9dab91cd8581ad8b04_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTgtMS0xLTcxNDc3NA_538ed1ee-76c7-486a-8725-8fd8bc38e8ac">249</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib636d81bc4394d80af4c78997965eccb_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIxLTktMS0xLTcxNDc3NA_311e53ff-6a28-40bf-87fb-b28320eccf97">4,039</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib2b764aa4b524f69aa632a8f079c2f51_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTEtMS0xLTcxNDc3NA_d628d903-f4ca-407b-bf41-6824752cfebd">2,426</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4eb50304905647a4832b7975836768a5_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTItMS0xLTcxNDc3NA_58bc93d6-3c74-4c21-b8ad-b5dff14d2291">2,329</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17c679acb03e452ea4fee0b5f54d196c_I20221231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTMtMS0xLTcxNDc3NA_53bf834b-8cff-4825-9602-d716d6b5cdb8">97</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0da599462ea4a9586264b40d5d93cdd_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTQtMS0xLTcxNDc3NA_8f7f42cc-2925-450c-a79c-da42ee4a5e45">2,150</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib77779c487ea4b169449a31c8b1a1cd2_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTUtMS0xLTcxNDc3NA_51199d46-6b66-4312-b379-c864e66aef28">2,149</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iced2c7c0d27c42c2a9f21a04b54c3f74_I20211231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTYtMS0xLTcxNDc3NA_0e2639b6-330b-4982-b3d1-97dda235f29b">1</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a4bb797b7d146f58a3b746ffa82f30e_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTctMS0xLTcxNDc3NA_f4963636-7ad9-48ec-a328-000d30028f27">2,219</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5c63f764e27f4ee0b7d16573c5151cd3_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTgtMS0xLTcxNDc3NA_59a0a124-2bcd-4075-a1f3-99a712d4ecba">2,122</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i764fe336cf37412cbc4544b02eb5ae7e_I20201231" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90YWJsZTowZDRlOGVjZjYzYTc0YWYyYWI4MWE3NjI0YWI1NDM4ZS90YWJsZXJhbmdlOjBkNGU4ZWNmNjNhNzRhZjJhYjgxYTc2MjRhYjU0MzhlXzIyLTktMS0xLTcxNDc3NA_5146f563-4f58-4a46-8450-6eb253409e23">97</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: The United States</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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settlements.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90ZXh0cmVnaW9uOjFiYTk0MWI2YzE4ZjRjMDliYzcxMmRjYWYyMjUyNDA3XzU3NzI0MzYwNDU5Mzgz_a37f4e2b-a9ed-4b85-94e1-31fe7011930a" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Excluding interest, which is recorded under "Interest income or expense".</ix:footnote></span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MDcvZnJhZzoxYmE5NDFiNmMxOGY0YzA5YmM3MTJkY2FmMjI1MjQwNy90ZXh0cmVnaW9uOjFiYTk0MWI2YzE4ZjRjMDliYzcxMmRjYWYyMjUyNDA3XzU3NzI0MzYwNDU5NjI5_c18c0292-8b86-497b-92de-35f14e57cc60" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) The amount in 2020 in mainly due to the companies in the United States included in the USA Sale (see Notes 3 and 21).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_910"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i3c7afdaf89cb4752b49d15a49f96d6e0" continuedAt="i6f46a4de90184f8fb5255664ef4eaf34">The balance under the heading &#8220;Provisions - Pensions and other post-employment defined benefit obligations&#8221; of the consolidated balance sheet as of December 31, 2022 includes &#8364;201 million relating to post-employment benefit commitments to former members of the Board of Directors and the Bank&#8217;s Management (see Note 54).</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_913"></div><ix:continuation id="i6f46a4de90184f8fb5255664ef4eaf34" continuedAt="i3f22205c91e24ea1befa90be6730b1e9"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant commitments are those in Spain and Mexico and, to a lesser extent, in Turkey. The remaining commitments are located mostly in Portugal and South America. Unless otherwise required by local regulation, all defined benefit plans have been closed to new entrants, who instead are able to participate in the Group&#180;s defined contribution plans.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Both the costs and the present value of the commitments are determined by independent qualified actuaries using the &#8220;projected unit credit&#8221; method. In order to enable the good governance of these plans, the Group has established specific benefits committees. These benefit committees include members from the different areas of the business so that all decisions are made taking into consideration all of the associated impacts.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-146</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i3f22205c91e24ea1befa90be6730b1e9" continuedAt="i6c93dc3e967b443dbe72cadd64d583f6"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ActuarialAssumptionsPercentageTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90ZXh0cmVnaW9uOjViMmE3YzY2MGI1NjQ1OWFiNDE3YTJhNTI4YTU0MGRmXzUxMA_63d4c05d-8237-4dc1-a45c-a3740bfb00ed" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table sets out the key actuarial assumptions used in the valuation of these commitments as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:26.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.937%"></td><td style="width:0.1%"></td><td 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style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzMtNS0xLTEtNzE0Nzc0_042d4ce1-515b-4581-83de-31c2e07740e1">9.68</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf1398e676934d77abc9eb543b3a368b_I20211231" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzMtNi0xLTEtNzE0Nzc0_d63c5bb5-5717-4cf6-9116-0478ba8cda9d">19.10</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if7792f8e4b9049f88cb2dda79674d05a_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzMtNy0xLTEtNzE0Nzc0_1a4ad031-e703-43a1-9faf-2ffbb1d034c1">0.53</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia67a23354a4a418c82424de0d0990845_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzMtOC0xLTEtNzE0Nzc0_a38a3d6e-a0dd-4bff-97ec-bb0902552806">8.37</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1a622e0f2663432eb332c023863ac57f_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzMtMTAtMS0xLTcxNDc3NA_686a69fb-cdac-45be-96ea-4cfc6080ecae">13.00</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of salary increase</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if316a3b850af4fb4b06dff680597874d_I20221231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzQtMi0xLTEtNzE0Nzc0_20a9f040-437a-4575-8e9d-0b8d3c3303a0">4.50</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia52eb68c409b412884e734d4b89c3609_I20221231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzQtMy0xLTEtNzE0Nzc0_eee46206-f5d9-4a34-875c-f62f05209d2e">15.86</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i85cccda68e0842d7b303aec4c8c63665_I20211231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzQtNC0xLTEtNzE0Nzc0_e450a36b-4043-4be4-88d4-73637baae682">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i151ca55a6d0f42bfb58dcb812f0a4e10_I20211231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzQtNS0xLTEtNzE0Nzc0_05a6cdb0-6321-4362-a6cb-8578f5d39af2">4.00</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf1398e676934d77abc9eb543b3a368b_I20211231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzQtNi0xLTEtNzE0Nzc0_40981376-b477-439a-bb91-f369943d982e">16.60</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia67a23354a4a418c82424de0d0990845_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzQtOC0xLTEtNzE0Nzc0_96c435f6-d5e6-4ca9-a1f2-e4607c8ce1ec">4.00</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzUtNi0xLTEtNzE0Nzc0_f0be0bee-0fe0-4c1c-bef5-917f9b845e84">15.10</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="if7792f8e4b9049f88cb2dda79674d05a_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzUtNy0xLTEtNzE0Nzc0_30811dc8-0292-4318-bbd9-c34912cf0554">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ia67a23354a4a418c82424de0d0990845_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzUtOC0xLTEtNzE0Nzc0_52aee449-27f5-4c16-a0b9-e5c22de8faec">1.94</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i1a622e0f2663432eb332c023863ac57f_I20201231" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzUtMTAtMS0xLTcxNDc3NA_aa5e0ed8-c919-496c-9b54-02ec894dfa13">9.70</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Medical cost trend rate</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iaf1398e676934d77abc9eb543b3a368b_I20211231" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzYtNi0xLTEtNzE0Nzc0_d1d390d8-b9e3-41ee-be3c-d93661beb6c9">19.30</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 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1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortality tables</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ic6fcf97372114530811cb4cf0aa401ce_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctMS0xLTEtNzE0Nzc0_b488b019-d1c1-4405-a07f-07d03a278fad">PER 2020</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="id6c5d54a83464a929af517ae9917246a_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctMi0xLTEtNzE0Nzc0_5d1fe4c5-06d8-4784-a672-946383fdaa38">EMSSA09</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i68269151110147f0b490a3bb2139fd10_D20220101-20221231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctMy0xLTEtNzE0Nzc0_ccdbc105-7eab-4be6-b114-c12d4eaeb271">TUIK 2019</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i725978cc6f2c41dcba7dff415fe978e7_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctNC0xLTEtNzE0Nzc0_d7d01fd8-7342-46e1-8b13-d205971d2375">PER 2020</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="ie35e1528fda547be97f6fb93238d7f23_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctNS0xLTEtNzE0Nzc0_a9fbb5c7-e272-46f1-86d9-69f7b320e44c">EMSSA09</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i54dc7141cd874ae5a9120181668f4b15_D20210101-20211231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctNi0xLTEtNzE0Nzc0_57384391-5464-4262-b922-950cb611121e">CSO2001</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i140c8f43b820469781a301b825ff77c7_D20200101-20201231" name="bbva:MortalityTables" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctOC0xLTEtNzE0Nzc0_07934cfc-a466-4719-a67d-96bd93dcb484">EMSSA09</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i856b567c13224ffe8e56ed4e7910b890_D20200101-20201231" name="bbva:MortalityTables" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo3Y2IxYjBhMWU3M2Y0OTZmYWQ0ZWJiODAyODc5MWFhZS90YWJsZXJhbmdlOjdjYjFiMGExZTczZjQ5NmZhZDRlYmI4MDI4NzkxYWFlXzctMTAtMS0xLTcxNDc3NA_3d53aab0-ebd2-4477-afd3-98d00b288619">CSO2001</ix:nonNumeric></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">In Spain, the discount rate shown as of December 31, 2022, corresponds to the weighted average rate, the actual discount rates used are 3.75% and 4% depending on the type of commitment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Discount rates used to value future benefit cash flows have been determined by reference to high quality corporate bonds (Note 2.2.12) denominated in Euro in the case of Spain and Mexican peso for Mexico, and government bonds denominated in Turkish Lira for Turkey.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The expected return on plan assets has been set in line with the adopted discount rate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Assumed retirement ages have been set by reference to the earliest age at which employees are entitled to retire, the contractually agreed age in the case of early retirements in Spain or by using retirement rates.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SensitivityAnalysisTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90ZXh0cmVnaW9uOjViMmE3YzY2MGI1NjQ1OWFiNDE3YTJhNTI4YTU0MGRmXzUxMQ_9665da7e-2d45-4abc-b653-e84bf497489b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Changes in the main actuarial assumptions may affect the valuation of the commitments. The table below shows the sensitivity of the benefit obligations to changes in the key assumptions:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"><tr><td style="width:1.0%"></td><td style="width:26.073%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.167%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.995%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Sensitivity analysis (Millions of Euros)</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Basis points change</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Decrease</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Decrease</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Decrease</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i53b80a7de5124034a7f5c207fee57e2b_D20220101-20221231" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtMS0xLTEtNzE0Nzc0_d56e534e-eb6b-430a-8a51-0810a2a4e608">50</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie451ecf174134c26b5bd2e964b58afc1_I20221231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtMi0xLTEtNzE0Nzc0_14f739a8-1690-480a-8f36-c15aebef773e">321</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie451ecf174134c26b5bd2e964b58afc1_I20221231" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtMy0xLTEtNzE0Nzc0_0586247e-b5d2-4603-bdd9-c38ea9140c2e">350</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1185cd69da414aa0ad986166f55dab3f_I20211231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtNC0xLTEtNzE0Nzc0_dfe8e1d3-7ed9-4332-bc79-d41ec255261f">282</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1185cd69da414aa0ad986166f55dab3f_I20211231" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtNS0xLTEtNzE0Nzc0_f8be92a9-d231-469e-857a-c67f7d78dbce">307</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib149fcc7692547228b0efd6361c03faa_I20201231" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtNi0xLTEtNzE0Nzc0_b609badd-c448-42b5-8b0f-8c5bfb938e62">354</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib149fcc7692547228b0efd6361c03faa_I20201231" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzMtNy0xLTEtNzE0Nzc0_63f6e6ba-9613-4e26-a40b-5823d33ee760">390</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of salary increase</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i11561082ab504506904be75a83c7ee5e_D20220101-20221231" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtMS0xLTEtNzE0Nzc0_0f0f9516-0bb8-4d28-a6de-fc48cccec22a">50</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia51eab97547349439d2c283d862feeb9_I20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtMi0xLTEtNzE0Nzc0_dc4c328c-902c-40af-b54c-2f8fccc2c594">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia51eab97547349439d2c283d862feeb9_I20221231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtMy0xLTEtNzE0Nzc0_b455cfc4-8f52-49be-b007-21ad891efd72">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie3d3990b07404bd493a86964572c43ac_I20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtNC0xLTEtNzE0Nzc0_2837d51a-5be8-49a7-9ead-37a2399a22ac">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie3d3990b07404bd493a86964572c43ac_I20211231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtNS0xLTEtNzE0Nzc0_3db22fe5-443c-4d49-9669-89063da4f431">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7589a7900ca64d0997c79e508c5ff23d_I20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtNi0xLTEtNzE0Nzc0_a15573e8-94d1-4994-8cdb-2f86bfeee38c">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7589a7900ca64d0997c79e508c5ff23d_I20201231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzQtNy0xLTEtNzE0Nzc0_30a42145-edae-42db-ae0f-ce9e2ca66f24">4</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of pension increase</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="ib91532b24be64498b51e2ecacde744b2_D20220101-20221231" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtMS0xLTEtNzE0Nzc0_b7d47e78-e952-4e52-bab3-17722e953e06">50</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie16f8289a5c642d3af64697a584e0226_I20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtMi0xLTEtNzE0Nzc0_52cf1c02-6b41-4890-8efd-ada823b7412c">32</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie16f8289a5c642d3af64697a584e0226_I20221231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtMy0xLTEtNzE0Nzc0_10871753-11ad-4566-8bd1-3c475b05988f">39</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6e3a036b189147428a1a4bb7eefc57f6_I20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtNC0xLTEtNzE0Nzc0_51ee92b2-73e8-48b0-82d0-ecdb287a0768">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6e3a036b189147428a1a4bb7eefc57f6_I20211231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtNS0xLTEtNzE0Nzc0_d1373ba4-e7bb-475c-9adb-6583fa23deaf">26</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i24dccc15b74d43bfb853e78204eb50dd_I20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtNi0xLTEtNzE0Nzc0_abae19a8-0e57-4e73-93f1-661fffe7d7f9">29</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i24dccc15b74d43bfb853e78204eb50dd_I20201231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzUtNy0xLTEtNzE0Nzc0_b0b887e7-b6ca-4771-a0f8-3fd36e57d3f6">27</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Medical cost trend rate</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="i0fc25a0820754bdd853b01d96219bc21_D20220101-20221231" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtMS0xLTEtNzE0Nzc0_7aa41dea-f66e-4f0a-88a8-0b3dcb170d3c">50</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2dc67a1ebc114f08a7a76550b83c7b57_I20221231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtMi0xLTEtNzE0Nzc0_3b6d5370-0452-4195-8057-71a1feb4c352">119</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2dc67a1ebc114f08a7a76550b83c7b57_I20221231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtMy0xLTEtNzE0Nzc0_9f6a15ee-9aca-43a8-a1d6-7b522c16b864">106</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i387f120b42d34600a3db5a30c07677d7_I20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtNC0xLTEtNzE0Nzc0_12078b32-612e-45b7-8ca3-b41e5961637a">109</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i387f120b42d34600a3db5a30c07677d7_I20211231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtNS0xLTEtNzE0Nzc0_6ddc3817-018d-4750-b437-ee03872bfcd4">98</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i554ff273484747b98dcc3f0aa51f2a3b_I20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtNi0xLTEtNzE0Nzc0_db2b2d92-fcc9-4be4-9be2-40b3025928b5">145</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i554ff273484747b98dcc3f0aa51f2a3b_I20201231" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzYtNy0xLTEtNzE0Nzc0_1bbe1af8-66d0-4d7c-914c-92dd97abb1db">129</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in obligation from each additional year of longevity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"><ix:nonFraction unitRef="rate" contextRef="ie2185f041cf34893beb7f069ede2c798_D20220101-20221231" xsi:nil="true" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzctMi0xLTEtNzE0Nzc0_7a99ebb7-732f-41f2-a562-caef6e8004b8">113</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86e59648d8f5459d948319384bcaebe6_I20221231" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzctMy0xLTEtNzE0Nzc0_0f16b968-0bd2-4ae1-b5f8-c8e92a9202d9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id60c2e7821724ab08cb1a555e63540d3_I20211231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzctNC0xLTEtNzE0Nzc0_b0fdeb4a-00f7-4ea7-b661-54eab8964899">170</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id60c2e7821724ab08cb1a555e63540d3_I20211231" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzctNS0xLTEtNzE0Nzc0_d540b57b-8e5c-41cf-bd06-e7976ccbb6db">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib216693c524343f698dc2b22dca9d483_I20201231" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzctNi0xLTEtNzE0Nzc0_66aa4b79-e57d-41bf-b82e-ff4b75f8fe69">211</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib216693c524343f698dc2b22dca9d483_I20201231" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90YWJsZTo5ZmYwOTcwYzkzNDM0NjJiOGRjZGYxODE1YTBhMzdmNC90YWJsZXJhbmdlOjlmZjA5NzBjOTM0MzQ2MmI4ZGNkZjE4MTVhMGEzN2Y0XzctNy0xLTEtNzE0Nzc0_f2b0af8a-aa08-472d-bd75-de466b675000">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The sensitivities provided above have been determined at the date of these consolidated financial statements, and reflect solely the impact of changing one individual assumption at a time, keeping the rest of the assumptions unchanged, thereby excluding the effects which may result from combined assumption changes.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition to the commitments to employees shown above, the Group has other less material long-term employee benefits. These include long-service awards, which consist of either an established monetary award or some vacation days granted to certain groups of employees when they complete a given number of years of service. Additionally, this heading included a fund related to the collective layoff procedure that was carried out in Banco Bilbao Vizcaya Argentaria, S.A. in 2021. As of December 31, 2022, 2021 and 2020, the actuarial liabilities for the outstanding awards amounted to &#8364;466 million, &#8364;<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90ZXh0cmVnaW9uOjViMmE3YzY2MGI1NjQ1OWFiNDE3YTJhNTI4YTU0MGRmXzM4NDgyOTA2OTkwNjk_9f39fe33-491d-454c-a70f-e5188a26af11">632</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherLongTermEmployeeBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTMvZnJhZzo1YjJhN2M2NjBiNTY0NTlhYjQxN2EyYTUyOGE1NDBkZi90ZXh0cmVnaW9uOjViMmE3YzY2MGI1NjQ1OWFiNDE3YTJhNTI4YTU0MGRmXzM4NDgyOTA2OTkwNzU_6c63ec51-c3ab-4851-9f8a-943ee6ed352a">49</ix:nonFraction> million, respectively. These commitments are recorded under the heading "Provisions - Other long-term employee benefits" of the consolidated balance sheet (see Note 24).</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_916"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">25.1.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"><ix:continuation id="i6c93dc3e967b443dbe72cadd64d583f6" continuedAt="i9fd08306ebf64eb18f6e971b18852426">Post-employment commitments and similar obligations</ix:continuation></span></div><ix:continuation id="i9fd08306ebf64eb18f6e971b18852426" continuedAt="i5b7e5c55a14f4b87ad26fac88c3c1dc1"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These commitments relate mostly to pension payments, and which have been determined based on salary and years of service. For most plans, pension payments are due on retirement, death and long term disability.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2021 and 2020 the Group entities in Spain offered certain employees the option to take retirement or early retirement (that is, earlier than the age stipulated in the collective labor agreement in force). This offer was accepted by 432 and 781 employees during 2021 and 2020, respectively (</span><span style="color:#0a2299;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">0</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> employees in 2022). These commitments include the compensation and indemnities due as well as the contributions payable to external pension funds during the early retirement period. As of December 31, 2022, 2021 and 2020, the value of these commitments amounted to &#8364;606 million, &#8364;952 million and &#8364;1,247 million, respectively.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-147</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i5b7e5c55a14f4b87ad26fac88c3c1dc1" continuedAt="i08571a7c660e4e008fac934b8fefe374"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:PostEmploymentCommitmentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90ZXh0cmVnaW9uOmVlZDZhODAwNGVlODRkM2Y4YzNjYzRkM2VjZjE3YTVlXzMzOA_9fc239e7-da1c-4c2d-96cf-04c4a927db25" continuedAt="i27ca955d2b5b43858075c6ca813eb49f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The change in the benefit plan obligations and plan assets during the year ended December 31, 2022 was as follows:</span></div><div style="margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:46.511%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.997%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.997%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.997%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.998%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Post-employment commitments 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of the world</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i466a3a96e22a4957b77f5a727dff7dff_I20211231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMtMS0xLTEtMTIxNDI1OA_9769bb10-547d-4708-9ea0-9444a5a64bcc">3,670</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5382d5dd0d841aabf139484931bb2dd_I20211231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMtMi0xLTEtMTIxNDI1OA_fe679a7d-6241-401c-9ad6-0c1eb6c06ada">779</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4ceae85c6b84a46ad34251d23ce7d50_I20211231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMtMy0xLTEtMTIxNDI1OA_21be0e0c-65c9-4333-a047-334ec5ae55c3">272</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib49a7db81f1646a3a8bffd5ebc9fbecf_I20211231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMtNC0xLTEtMTIxNDI1OA_e44766e6-9108-4b49-af23-db8dd268edcf">449</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iadbc899ba6a1489393a6047fc07a13b2_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQtMS0xLTEtMTIxNDI1OA_cab70a96-1787-4850-b95e-19af934a67ac">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54f8317310874db0860f43128b6e2c91_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQtMi0xLTEtMTIxNDI1OA_25cacf91-18bc-423a-8f3d-2c3ca444a056">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib69312f75acf4c6aaf6eab5af158468d_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQtMy0xLTEtMTIxNDI1OA_4d96a5d5-9049-4a07-9ec4-a207060b2257">13</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9026fac6b8846a5ad839924a6758d78_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQtNC0xLTEtMTIxNDI1OA_9cc10f9b-849a-4f64-b642-b671c670f272">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income or expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i421c137786874945b7a5d857b5785592_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUtMS0xLTEtMTIxNDI1OA_537e381f-b241-4422-a41a-376baef5fdee">53</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09dbbc06fd3548a592a9c0ff78d1e0a1_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUtMi0xLTEtMTIxNDI1OA_5aea506c-f642-4996-92bb-b0e3bbb3e883">84</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia43b7bdf9ca34474b639d1750ecbbee6_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUtMy0xLTEtMTIxNDI1OA_af7f85b7-7a2c-4af5-9a5f-fbfcc6912e24">42</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaa09ac20c16479f875f5cfc3e174e15_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUtNC0xLTEtMTIxNDI1OA_5f9a53e3-9407-48f9-8c34-422bfdb428ef">10</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions by plan participants</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ccb5dae55c244c6a9f2e9f1af6bd27d_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYtMS0xLTEtMTIxNDI1OA_57bc0223-708c-43a0-837c-64ae6a8683e4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09603ff447fa4d0393b95b2b160901e6_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYtMi0xLTEtMTIxNDI1OA_bc67db0a-bd63-407f-8f04-b814648b7861">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ed542e826ea45e7b8e63608fcb0cb2e_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYtMy0xLTEtMTIxNDI1OA_86f1f10e-8e33-48e0-96b8-a33939e88e0f">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if00a814fe7d34b0f9662536f046b43f6_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYtNC0xLTEtMTIxNDI1OA_b54f3a68-bfad-4820-b14c-f4263f92ef6d">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85485e94e10e48e49aa727a8bbf7f991_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzctMS0xLTEtMTIxNDI1OA_28ed8f51-0877-4219-a2d8-52e572430da8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20665c75a8044561b5135edf18a027c8_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzctMi0xLTEtMTIxNDI1OA_23f5e05a-38fe-44f6-9f07-5aa3b5627663">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaed18c19ace64a40be2267f9b420f81e_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzctMy0xLTEtMTIxNDI1OA_0c121f36-150b-41cd-b75d-1a0d2c80cda0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib29fec391fae435eb8e6d990ff5f603e_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzctNC0xLTEtMTIxNDI1OA_10fb177e-7054-4aad-87dc-4bbd7ded0a54">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service costs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6cba2d7997e4d36926a93f8993ce3b2_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzgtMS0xLTEtMTIxNDI1OA_46ab8a91-9e3c-4fea-98a5-165f9289eec3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dd9c86a2a1842c497dac9640cdc5b0f_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzgtMi0xLTEtMTIxNDI1OA_97b19137-5432-4ff2-8bdc-23d251e86247">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i23b0af3117df4fccb4ed5b91546c43c4_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzgtMy0xLTEtMTIxNDI1OA_968f6082-28c6-4a8c-bcb2-7231eb0d9b18">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3e5e8b984224af3811936102df6ede5_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzgtNC0xLTEtMTIxNDI1OA_52e4b9d6-9610-4f4b-bacc-be30f4ebdacd">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i733326d88a5b4409959f1cdb5a5e670c_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzktMS0xLTEtMTIxNDI1OA_2dfc60e1-f900-402f-a41e-61c18685c8d0">677</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if728b9263e57498790d2a197a0b507c1_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzktMi0xLTEtMTIxNDI1OA_4e254a47-c12a-46b9-8e15-21a708428525">107</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47c5d3d28632441e9398083265a178e3_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzktMy0xLTEtMTIxNDI1OA_3fb105ec-e495-4cbf-8bf1-3e6bbe143df0">166</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia9d5376ff92e45ceaa8d707e3d3011ef_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzktNC0xLTEtMTIxNDI1OA_15719999-b890-4fc0-b226-a6d47f5a2639">122</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:13.5pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Return on plan assets</span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11a201e37c374852949de797b148fb6b_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEwLTEtMS0xLTEyMTQyNTg_156660fb-5122-4128-a395-b26a3f3196dd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f3a593ad0ff4bae96197b5503505056_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEwLTItMS0xLTEyMTQyNTg_9a367282-8c47-438a-a516-3c3241cab44b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0f3ef82d86a4d2bb4f3de57e72fb5ae_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEwLTMtMS0xLTEyMTQyNTg_02901a4a-61f9-4e89-ab20-24183fa268f0">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e2913490bfd4a2cb49cdcb86bc2e6ff_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEwLTQtMS0xLTEyMTQyNTg_b19f436a-7159-4fc3-a46f-d48301532a28">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From changes in demographic assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i768de0e48086490ead2e7a70d631ad21_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzExLTEtMS0xLTEyMTQyNTg_5d9bc3c3-00ad-4b7c-9e9d-0b43dbd0aff8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d17483fc5c343b08998a5aead54df10_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzExLTItMS0xLTEyMTQyNTg_97a77efa-240a-4695-8093-ca5d86bc08f9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i73c39eeaa2da450f9680f4caf1fc7180_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzExLTMtMS0xLTEyMTQyNTg_353b1529-e72b-4168-a163-b8f5f920e872">37</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4981100a6544d348debf51e2b4b8205_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzExLTQtMS0xLTEyMTQyNTg_5ea2a583-f688-4309-8cc5-b827e7fe8f39">8</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From changes in financial assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib2edc474b09a43e0b59c861123dcdce0_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEyLTEtMS0xLTEyMTQyNTg_ab5007f7-30f9-437d-a465-99d90eb5440b">643</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c0a8d06367a42fa9f4784a4a67d9feb_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEyLTItMS0xLTEyMTQyNTg_6f6adb30-70cf-46ba-add5-be17d7cb2386">73</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i040e3b641c434ead8277fbc911164b23_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEyLTMtMS0xLTEyMTQyNTg_2dd6e68a-614f-43e6-9431-bbf86d454793">82</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3122ddd64d134cfda15fe31506294f8b_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEyLTQtMS0xLTEyMTQyNTg_35e2f310-1eb0-4336-b3e7-37e984d7bd6c">132</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other actuarial gains and losses</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id91b6749a7a04eed99fe38841fa62474_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEzLTEtMS0xLTEyMTQyNTg_accef7d0-d9c5-461b-8be4-2d23dcbc9349">34</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied64e240c3b44fb8812c0a2099568896_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEzLTItMS0xLTEyMTQyNTg_826f43a3-7e92-412b-bb8b-82ca8b7fd782">34</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd3cf08691e443daa29091f66f853648_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEzLTMtMS0xLTEyMTQyNTg_ad5b995f-3f12-45a0-bf0a-d9ec82597daa">122</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44a1254654fb4ccb84d6f98c0d92fec4_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzEzLTQtMS0xLTEyMTQyNTg_df3dc373-9a71-4566-a8a8-deafc7363aac">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i998bfc95562244dbbd2cdfacc7d1f046_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE0LTEtMS0xLTEyMTQyNTg_514fda18-ae20-496a-924c-631c39e7938e">511</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i014a581dfbc147c6aff4237d710c5c79_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE0LTItMS0xLTEyMTQyNTg_c15bc4b6-fef5-492a-905c-241af490827b">77</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if2234d016f2c40d58524351ed3ef010d_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE0LTMtMS0xLTEyMTQyNTg_32a71189-8450-4642-a609-92071fb711e5">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic723af3738d24de4889ebc0ffc402117_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE0LTQtMS0xLTEyMTQyNTg_b8cbf080-a916-4b4a-9909-f0b0e40067b2">13</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlement payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cd220e019874f0583df25e074042ee6_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE1LTEtMS0xLTEyMTQyNTg_3fc5326b-dbd8-482b-abcb-7cbdf10d79ce">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idbb004fcbb9a483a9144f874e448dd75_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE1LTItMS0xLTEyMTQyNTg_7cf38613-d789-423d-8582-57035f3497d6">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1e42cb0b4c3b43b6865a5b514d0cff74_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE1LTMtMS0xLTEyMTQyNTg_0591bd89-86c9-4054-a85e-847259747c2e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia9300818f8144ff2aae01ef92acf46d4_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE1LTQtMS0xLTEyMTQyNTg_355b0962-5914-44fc-b587-31dff02bbbc2">3</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business combinations and disposals</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i320b59b344574b94880dd44100007411_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE2LTEtMS0xLTEyMTQyNTg_cc97edda-092b-4c2b-9535-2ea7b6a6c5f4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99c22682f628496097e5e6d351638bd9_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE2LTItMS0xLTEyMTQyNTg_72545ecb-379d-43e5-b8a1-6ce22b430e52">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ea73e715e1f4254bb81d9b0f91f4441_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE2LTMtMS0xLTEyMTQyNTg_12ea1064-0a95-41e9-bb11-47569e79cd90">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11fc7bd8fc0a4094857a98437483e206_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE2LTQtMS0xLTEyMTQyNTg_48d81e53-1460-4377-88d0-ca80407e6f09">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on changes in foreign exchange rates</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b9f5526cd5d471eae4bb203cd5eacc3_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE3LTEtMS0xLTEyMTQyNTg_ce1f394d-44cd-49f1-95b6-0bd81a2e7332">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i416235a0568344cab943cc55ae9872b8_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE3LTItMS0xLTEyMTQyNTg_ddd6f7b0-4779-4e54-a15c-f2110b960993">85</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9575440a78844d6c984fc439c1fa50d0_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE3LTMtMS0xLTEyMTQyNTg_93fb8728-de48-4d3a-90ba-7f5f758810f7">70</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3235d4f45e484dfcb92ea59ea45367ed_D20220101-20221231" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE3LTQtMS0xLTEyMTQyNTg_fcb69207-2586-4ea9-8d72-1072580e8747">9</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Conversions to defined contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0a1148671c64434a824e28d9770b00cb_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE4LTEtMS0xLTEyMTQyNTg_7740512c-69b7-48cc-b5dd-d203445f991c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdc12638c2924256ae2fc828bd0d24ae_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE4LTItMS0xLTEyMTQyNTg_eb21199c-67a6-474c-a5da-83f0393cc627">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic81312474c774bd6959dade5b9762585_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE4LTMtMS0xLTEyMTQyNTg_06846ef1-6746-4722-9bd9-867c53291ab9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8482ac3d94404674a005ed1ce2227fc6_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE4LTQtMS0xLTEyMTQyNTg_03053229-0354-4c53-9e9a-f1d581a6f33a">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other effects</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f2a78d917d94a03b68508f0a89df17e_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE5LTEtMS0xLTEyMTQyNTg_9c241727-dbb5-4041-a2a1-014a2c0258b3">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if84b947eef2e4b678d85f0ee09b17a41_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE5LTItMS0xLTEyMTQyNTg_3ea85aef-4ab2-4adb-801f-04708d4133d6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3059699a3ed4432db6c20201b2962954_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE5LTMtMS0xLTEyMTQyNTg_c6fcf020-9f97-4de7-8f24-ef66eb0c1482">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia83294ebbfc7490f95fccb31b46907fa_D20220101-20221231" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzE5LTQtMS0xLTEyMTQyNTg_50ce12a1-350b-48e4-802c-799726f15289">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0785cc029fb54837a7b469b7249c5898_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzIwLTEtMS0xLTEyMTQyNTg_ce4e8335-42b7-4f15-a37c-c39cb1cfe235">2,546</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i384ccb86e2da46bba376d1ef5849270a_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzIwLTItMS0xLTEyMTQyNTg_bfb287f8-d237-4a47-97c4-d4ec44a869e2">985</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i860e6f39c9e345949b5d3f2f492dc0d3_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzIwLTMtMS0xLTEyMTQyNTg_272689ce-8b4e-483c-a66d-801404934761">418</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied5d7a902e9b4b0bb7b40e4bdc3fc5aa_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzIwLTQtMS0xLTEyMTQyNTg_3d54ea95-0859-47c7-8a3a-79c5f048b8cb">318</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Vested benefit obligation relating to current employees</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11930c279d9d411385cf943f55420c10_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzIxLTEtMS0xLTEyMTQyNTg_fcb149a2-cdd8-4a89-9313-ff095a700e67">2,491</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Vested benefit obligation relating to retired employees</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8a12319dff0474699bf4a94f90355f6_I20221231" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzIyLTEtMS0xLTEyMTQyNTg_230968ed-d005-489f-bbe8-579ad024255b">55</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"></td><td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Plan Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i466a3a96e22a4957b77f5a727dff7dff_I20211231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI1LTEtMS0xLTEyMTQyNTg_e25e6d30-5548-41af-8cc4-8fe9d529f134">206</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5382d5dd0d841aabf139484931bb2dd_I20211231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI1LTItMS0xLTEyMTQyNTg_c65199ea-fdc8-46be-be55-18bbad1441e9">655</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4ceae85c6b84a46ad34251d23ce7d50_I20211231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI1LTMtMS0xLTEyMTQyNTg_8c12be7e-c483-4ca3-9850-40582735c73e">209</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib49a7db81f1646a3a8bffd5ebc9fbecf_I20211231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI1LTQtMS0xLTEyMTQyNTg_87df26b2-f8ba-46e9-89ff-0b57887fb9a2">424</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iadbc899ba6a1489393a6047fc07a13b2_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI2LTEtMS0xLTEyMTQyNTg_e574ae23-3ef1-4f35-9682-493da047637f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54f8317310874db0860f43128b6e2c91_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI2LTItMS0xLTEyMTQyNTg_5a83fafa-989d-4511-9ade-8303fe024dcf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib69312f75acf4c6aaf6eab5af158468d_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI2LTMtMS0xLTEyMTQyNTg_585d8fe7-2a30-4f3f-befd-dbbb8ca7043d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9026fac6b8846a5ad839924a6758d78_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI2LTQtMS0xLTEyMTQyNTg_7626c7f2-baf9-4d27-a863-f756805e04d9">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income or expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i421c137786874945b7a5d857b5785592_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI3LTEtMS0xLTEyMTQyNTg_71cc648c-e262-4a02-bb20-e853385a21a1">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09dbbc06fd3548a592a9c0ff78d1e0a1_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI3LTItMS0xLTEyMTQyNTg_af00f77e-a96c-43e0-9847-7c9baae6a3af">69</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia43b7bdf9ca34474b639d1750ecbbee6_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI3LTMtMS0xLTEyMTQyNTg_956f364c-737f-4f1c-a26b-9450aceb2073">33</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaa09ac20c16479f875f5cfc3e174e15_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI3LTQtMS0xLTEyMTQyNTg_a69353d6-264c-4dd4-a764-92b290176d30">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions by plan participants</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ccb5dae55c244c6a9f2e9f1af6bd27d_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI4LTEtMS0xLTEyMTQyNTg_db8d8172-a348-4001-866f-5193a8b436dc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09603ff447fa4d0393b95b2b160901e6_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI4LTItMS0xLTEyMTQyNTg_6afebff4-1cbc-433f-9722-c7bed471021f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ed542e826ea45e7b8e63608fcb0cb2e_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI4LTMtMS0xLTEyMTQyNTg_2f3dd38a-bf24-4d31-8625-a147b5c47662">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if00a814fe7d34b0f9662536f046b43f6_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI4LTQtMS0xLTEyMTQyNTg_93fd372b-61f8-4f67-a74e-1628228d102b">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85485e94e10e48e49aa727a8bbf7f991_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI5LTEtMS0xLTEyMTQyNTg_117d2e0d-ffd8-4de4-a5f9-3cea322baae4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i20665c75a8044561b5135edf18a027c8_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI5LTItMS0xLTEyMTQyNTg_c463fff5-fe53-4fcb-b50b-593aefb9d7a4">41</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaed18c19ace64a40be2267f9b420f81e_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI5LTMtMS0xLTEyMTQyNTg_060875ca-2e9a-41e0-90b7-13ebeadb41a8">22</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib29fec391fae435eb8e6d990ff5f603e_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzI5LTQtMS0xLTEyMTQyNTg_e7463896-cbfb-47eb-a290-a767ff211b4b">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service costs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6cba2d7997e4d36926a93f8993ce3b2_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMwLTEtMS0xLTEyMTQyNTg_e6ab73cc-dad9-4aad-a3db-cdec6586fe65">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dd9c86a2a1842c497dac9640cdc5b0f_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMwLTItMS0xLTEyMTQyNTg_d234bb5c-1ef2-48ab-95d3-636b12e15ad5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i23b0af3117df4fccb4ed5b91546c43c4_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMwLTMtMS0xLTEyMTQyNTg_991f98d6-bc14-45c8-813e-07edb4db1b1c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3e5e8b984224af3811936102df6ede5_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMwLTQtMS0xLTEyMTQyNTg_3fabdb0b-a64f-4895-8695-359dda1155de">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i733326d88a5b4409959f1cdb5a5e670c_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMxLTEtMS0xLTEyMTQyNTg_a123838c-3247-4ffd-bae8-558989bea709">34</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if728b9263e57498790d2a197a0b507c1_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMxLTItMS0xLTEyMTQyNTg_f254876d-1ae4-4c05-9be3-58d5055fd053">45</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47c5d3d28632441e9398083265a178e3_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMxLTMtMS0xLTEyMTQyNTg_93a0eaf2-da8f-41bb-9e7d-158b75e41ff0">104</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia9d5376ff92e45ceaa8d707e3d3011ef_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMxLTQtMS0xLTEyMTQyNTg_82db77fe-5256-42e7-bad7-5e7bb8a9892f">121</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:13.5pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Return on plan assets </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i11a201e37c374852949de797b148fb6b_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMyLTEtMS0xLTEyMTQyNTg_c65506e8-33fa-4af9-a124-33bcc2e38b72">34</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3f3a593ad0ff4bae96197b5503505056_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMyLTItMS0xLTEyMTQyNTg_580a5a49-bcce-49ac-b490-1241c0ea2bdf">45</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0f3ef82d86a4d2bb4f3de57e72fb5ae_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMyLTMtMS0xLTEyMTQyNTg_a019abb9-cf9f-4ec0-9326-daf39567b266">104</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4e2913490bfd4a2cb49cdcb86bc2e6ff_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMyLTQtMS0xLTEyMTQyNTg_ce1b696d-59a1-41de-a098-6d3d499ddb7a">121</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From changes in demographic assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i768de0e48086490ead2e7a70d631ad21_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMzLTEtMS0xLTEyMTQyNTg_c8908085-6ab6-488b-84e1-13b71ee56bfa">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d17483fc5c343b08998a5aead54df10_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMzLTItMS0xLTEyMTQyNTg_24c96494-52b5-441d-9910-9cfb5c3a3ce3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i73c39eeaa2da450f9680f4caf1fc7180_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMzLTMtMS0xLTEyMTQyNTg_b24bbade-bed9-4dca-a013-c275b6914eb3">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4981100a6544d348debf51e2b4b8205_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzMzLTQtMS0xLTEyMTQyNTg_5ef931be-0e87-43d7-94c7-6ab374fb5f96">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From changes in financial assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib2edc474b09a43e0b59c861123dcdce0_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM0LTEtMS0xLTEyMTQyNTg_e0d3aebe-1218-4059-bd96-2b9960cf309f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c0a8d06367a42fa9f4784a4a67d9feb_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM0LTItMS0xLTEyMTQyNTg_1deb0633-92de-41f5-b86d-eff463ccaf37">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i040e3b641c434ead8277fbc911164b23_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM2LTMtMS0xLTEyMTQyNTg_a727d3d9-1d94-411e-aee7-3855a44d17bd">9</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic723af3738d24de4889ebc0ffc402117_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM2LTQtMS0xLTEyMTQyNTg_1054d94a-0a65-4b4c-a01e-39dc141194a7">12</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlement payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM3LTQtMS0xLTEyMTQyNTg_246b7ce4-335d-432b-aa32-edd66fa0147b">3</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business combinations and disposals</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i320b59b344574b94880dd44100007411_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM4LTEtMS0xLTEyMTQyNTg_a7fe1ad6-d5a2-420a-9a31-2f6208f72142">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99c22682f628496097e5e6d351638bd9_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM4LTItMS0xLTEyMTQyNTg_6a1bb231-73fa-4e7a-9519-4913afc2453e">139</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ea73e715e1f4254bb81d9b0f91f4441_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM4LTMtMS0xLTEyMTQyNTg_e1750d01-9c1e-49b8-a8d7-92bd1f9023e2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11fc7bd8fc0a4094857a98437483e206_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM4LTQtMS0xLTEyMTQyNTg_b3cf1b6d-c60a-4d90-948a-e83a27c04d2d">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on changes in foreign exchange rates</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b9f5526cd5d471eae4bb203cd5eacc3_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM5LTEtMS0xLTEyMTQyNTg_2d27f388-4383-4dae-b1ae-1e542a2eac6a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i416235a0568344cab943cc55ae9872b8_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM5LTItMS0xLTEyMTQyNTg_ce95499c-19e1-46fc-803b-419b7a5867a2">72</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9575440a78844d6c984fc439c1fa50d0_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM5LTMtMS0xLTEyMTQyNTg_059fed56-1431-4f64-bac1-2c97f4a8b53d">52</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3235d4f45e484dfcb92ea59ea45367ed_D20220101-20221231" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzM5LTQtMS0xLTEyMTQyNTg_cd8e0c20-df0e-4db9-913c-6180bd9a93da">6</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Conversions to defined contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0a1148671c64434a824e28d9770b00cb_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQwLTEtMS0xLTEyMTQyNTg_b1203cd9-5b62-45a8-a625-4fce45cdd8a8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdc12638c2924256ae2fc828bd0d24ae_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQwLTMtMS0xLTEyMTQyNTg_ca2f3afd-3759-44e7-858e-9bb576c30772">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8482ac3d94404674a005ed1ce2227fc6_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQxLTEtMS0xLTEyMTQyNTg_4ed1dcd9-0427-456e-822d-51956d5cbc83">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if84b947eef2e4b678d85f0ee09b17a41_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQxLTItMS0xLTEyMTQyNTg_6d8173c5-da7c-430c-8cf8-68664f44a2cb">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3059699a3ed4432db6c20201b2962954_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQxLTMtMS0xLTEyMTQyNTg_f0942e6d-74f0-4c53-8902-7ee96dd417ec">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia83294ebbfc7490f95fccb31b46907fa_D20220101-20221231" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQxLTQtMS0xLTEyMTQyNTg_153efc4d-ff38-4b44-899f-7a73012b0b6b">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0785cc029fb54837a7b469b7249c5898_I20221231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQyLTEtMS0xLTEyMTQyNTg_1fc0857a-2f16-4cc3-b8d1-e48fd602601a">147</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i384ccb86e2da46bba376d1ef5849270a_I20221231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQyLTItMS0xLTEyMTQyNTg_f4e78ba1-e9fb-487b-a52a-082e33767c2f">853</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i860e6f39c9e345949b5d3f2f492dc0d3_I20221231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQyLTMtMS0xLTEyMTQyNTg_e4b9eb2c-2df3-4d70-9875-0e6659ce9586">315</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied5d7a902e9b4b0bb7b40e4bdc3fc5aa_I20221231" decimals="-6" name="bbva:PlanAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQyLTQtMS0xLTEyMTQyNTg_44418926-b2ea-40a5-a963-4c9e7e1b2305">293</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net liability (asset)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i466a3a96e22a4957b77f5a727dff7dff_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ1LTEtMS0xLTEyMTQyNTg_ff2a464f-d3c4-4d86-a54a-624b77315a37">3,464</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5382d5dd0d841aabf139484931bb2dd_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ1LTItMS0xLTEyMTQyNTg_c381b07a-a653-49a9-8286-f2346b1272e4">124</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4ceae85c6b84a46ad34251d23ce7d50_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ1LTMtMS0xLTEyMTQyNTg_99d5bde5-dc94-4f0d-b01e-5dee79a8df53">63</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib49a7db81f1646a3a8bffd5ebc9fbecf_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ1LTQtMS0xLTEyMTQyNTg_fbd7d003-9b5a-4254-84b8-8b52b48fd359">24</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iadbc899ba6a1489393a6047fc07a13b2_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ2LTEtMS0xLTEyMTQyNTg_e51f7dab-89d9-404c-8752-b62b66deee62">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i54f8317310874db0860f43128b6e2c91_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ2LTItMS0xLTEyMTQyNTg_fb210204-5962-4542-984e-00b452598091">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib69312f75acf4c6aaf6eab5af158468d_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ2LTMtMS0xLTEyMTQyNTg_207a6d48-12fb-403d-b6fd-a8df170324dc">13</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9026fac6b8846a5ad839924a6758d78_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ2LTQtMS0xLTEyMTQyNTg_45275ff4-657d-4757-82ec-85ad59191148">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income or expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i421c137786874945b7a5d857b5785592_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ3LTEtMS0xLTEyMTQyNTg_39960f7c-b81b-4d6a-8c6b-e4739aa40428">51</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09dbbc06fd3548a592a9c0ff78d1e0a1_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ3LTItMS0xLTEyMTQyNTg_f12e0208-96b1-41bc-8bec-86784dabbc35">14</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia43b7bdf9ca34474b639d1750ecbbee6_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ3LTMtMS0xLTEyMTQyNTg_f8646fb0-0466-4bc2-b68f-37eed0612410">10</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieaa09ac20c16479f875f5cfc3e174e15_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ3LTQtMS0xLTEyMTQyNTg_9cd280b8-4cb1-4ef4-8fa2-d34789797792">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions by plan participants</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ4LTQtMS0xLTEyMTQyNTg_05461d47-98ab-4284-8134-be86361029be">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i85485e94e10e48e49aa727a8bbf7f991_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ5LTEtMS0xLTEyMTQyNTg_4d05297d-bdcf-44a8-a690-1303dc173adf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i20665c75a8044561b5135edf18a027c8_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ5LTItMS0xLTEyMTQyNTg_b8908695-183f-44c4-b566-dfe6bfec90db">41</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaed18c19ace64a40be2267f9b420f81e_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ5LTMtMS0xLTEyMTQyNTg_622e9a83-7651-4461-96be-f0ee246edb87">22</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib29fec391fae435eb8e6d990ff5f603e_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzQ5LTQtMS0xLTEyMTQyNTg_8a895b31-f5de-4425-9b74-d9240fae42d1">3</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service costs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6cba2d7997e4d36926a93f8993ce3b2_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUwLTEtMS0xLTEyMTQyNTg_eea9a9c9-4a3c-4b16-888e-a6d1540a1ec2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7dd9c86a2a1842c497dac9640cdc5b0f_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUwLTItMS0xLTEyMTQyNTg_91d9d346-3100-408f-9a20-e2d3baca558f">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i23b0af3117df4fccb4ed5b91546c43c4_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUwLTMtMS0xLTEyMTQyNTg_faf9bdba-c7d8-4ceb-af06-42d2b19961e5">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3e5e8b984224af3811936102df6ede5_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUwLTQtMS0xLTEyMTQyNTg_2df8e9de-0e85-4ab5-af58-bc1042b2b1ed">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i733326d88a5b4409959f1cdb5a5e670c_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUxLTEtMS0xLTEyMTQyNTg_f2104258-e810-439c-b357-ae9152df77c3">643</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if728b9263e57498790d2a197a0b507c1_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUxLTItMS0xLTEyMTQyNTg_944ec9d4-0d0d-459b-bbe2-f6e6607ff6ab">152</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47c5d3d28632441e9398083265a178e3_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUxLTMtMS0xLTEyMTQyNTg_9f3b6daf-c717-433f-a9fc-c327287525fd">62</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia9d5376ff92e45ceaa8d707e3d3011ef_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUxLTQtMS0xLTEyMTQyNTg_fd9daf7e-9aa0-45ac-819a-5d302cc25ea8">1</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:13.5pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Return on plan assets </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11a201e37c374852949de797b148fb6b_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUyLTEtMS0xLTEyMTQyNTg_bcafc713-307b-4e30-914e-4ba58b7bbd54">34</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f3a593ad0ff4bae96197b5503505056_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUyLTItMS0xLTEyMTQyNTg_b8cd4ee5-d947-4953-a37b-3fe0b1336270">45</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic0f3ef82d86a4d2bb4f3de57e72fb5ae_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUyLTMtMS0xLTEyMTQyNTg_ad4b5c0f-2c99-4b19-88fa-97dc9911fff9">104</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e2913490bfd4a2cb49cdcb86bc2e6ff_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUyLTQtMS0xLTEyMTQyNTg_1e4c225d-7428-4a61-909a-9bac768f9b60">121</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From changes in demographic assumptions</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i768de0e48086490ead2e7a70d631ad21_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUzLTEtMS0xLTEyMTQyNTg_7944622d-4efb-4203-9889-46be66325ab7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d17483fc5c343b08998a5aead54df10_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUzLTItMS0xLTEyMTQyNTg_18315c06-19ce-49c8-b09d-8315a5911662">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i73c39eeaa2da450f9680f4caf1fc7180_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUzLTMtMS0xLTEyMTQyNTg_322c2abb-2b06-4ca8-b718-b1778b6a5a71">37</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4981100a6544d348debf51e2b4b8205_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzUzLTQtMS0xLTEyMTQyNTg_1da08a79-75ae-4f27-9f6d-dbf828e154e1">8</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From changes in financial assumptions</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib2edc474b09a43e0b59c861123dcdce0_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU0LTEtMS0xLTEyMTQyNTg_7e74098b-3547-489a-bb18-64fd53d969d7">643</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c0a8d06367a42fa9f4784a4a67d9feb_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU0LTItMS0xLTEyMTQyNTg_4761c4ce-1894-48e5-87ca-61c9f385b869">73</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i040e3b641c434ead8277fbc911164b23_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU0LTMtMS0xLTEyMTQyNTg_572af4ac-2696-4470-9cd1-0e3230749bfa">82</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3122ddd64d134cfda15fe31506294f8b_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU0LTQtMS0xLTEyMTQyNTg_06c38e3a-5128-4c9e-896e-aeaf402dac88">132</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other actuarial gains and losses</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id91b6749a7a04eed99fe38841fa62474_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU1LTEtMS0xLTEyMTQyNTg_a177db12-972c-4eee-8d09-64a37d676469">34</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied64e240c3b44fb8812c0a2099568896_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU1LTItMS0xLTEyMTQyNTg_f3f01275-85af-4ed8-8f7d-b881d2992c91">34</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd3cf08691e443daa29091f66f853648_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU1LTMtMS0xLTEyMTQyNTg_5be77ef8-453a-4caf-9f5a-2d817ff65cd0">122</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44a1254654fb4ccb84d6f98c0d92fec4_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU1LTQtMS0xLTEyMTQyNTg_3bba3dfe-607d-4c97-840c-f7d4f6aae2a5">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit payments</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i998bfc95562244dbbd2cdfacc7d1f046_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU2LTEtMS0xLTEyMTQyNTg_a3e3406a-bb24-4958-8217-b39b52deee2c">484</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i014a581dfbc147c6aff4237d710c5c79_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU2LTItMS0xLTEyMTQyNTg_9164a463-7a57-4f09-ae60-7cef20ad9a85">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if2234d016f2c40d58524351ed3ef010d_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU2LTMtMS0xLTEyMTQyNTg_bde876fb-29ef-4870-9b6e-99954454fc06">6</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic723af3738d24de4889ebc0ffc402117_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU2LTQtMS0xLTEyMTQyNTg_7154f52e-597b-4780-95a6-dbebb0127343">1</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlement payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5cd220e019874f0583df25e074042ee6_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU3LTEtMS0xLTEyMTQyNTg_999bc4ff-e735-4268-a5c0-7be68239709b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbb004fcbb9a483a9144f874e448dd75_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU3LTItMS0xLTEyMTQyNTg_17eb6cce-967f-46ec-a4f5-994982b82000">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1e42cb0b4c3b43b6865a5b514d0cff74_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU3LTMtMS0xLTEyMTQyNTg_9f07b976-36d9-4b9a-bd2b-5dbf9ff74623">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia9300818f8144ff2aae01ef92acf46d4_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU3LTQtMS0xLTEyMTQyNTg_a48712de-f4e7-435d-adfd-4f496fa83987">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business combinations and disposals</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i320b59b344574b94880dd44100007411_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU4LTEtMS0xLTEyMTQyNTg_25cb5eeb-875c-424a-9038-e19a76e6e0c1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i99c22682f628496097e5e6d351638bd9_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU4LTItMS0xLTEyMTQyNTg_a5f11ad1-cd01-4cf1-9f7e-cbbac2442d11">139</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ea73e715e1f4254bb81d9b0f91f4441_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU4LTMtMS0xLTEyMTQyNTg_e829c05d-1454-45b1-bc5f-8ed811c79989">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11fc7bd8fc0a4094857a98437483e206_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU4LTQtMS0xLTEyMTQyNTg_0069b4e7-f42e-416c-af12-e5ae9e5be26c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on changes in foreign exchange rates</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b9f5526cd5d471eae4bb203cd5eacc3_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU5LTEtMS0xLTEyMTQyNTg_13731a86-d641-425f-8ac2-8397b0a36a3b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i416235a0568344cab943cc55ae9872b8_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU5LTItMS0xLTEyMTQyNTg_2a4036dd-c0e6-4810-b310-4e9251479afd">13</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9575440a78844d6c984fc439c1fa50d0_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU5LTMtMS0xLTEyMTQyNTg_51b2a6a4-f97b-4f17-bb90-3171b9a3dfed">18</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3235d4f45e484dfcb92ea59ea45367ed_D20220101-20221231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzU5LTQtMS0xLTEyMTQyNTg_d5ca4121-3686-4a2f-a7b2-65b7667678a4">3</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Conversions to defined contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0a1148671c64434a824e28d9770b00cb_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYwLTEtMS0xLTEyMTQyNTg_4c289ef5-e387-4284-93bc-a070911bbb25">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdc12638c2924256ae2fc828bd0d24ae_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYwLTItMS0xLTEyMTQyNTg_47d1c66f-89f9-405a-a6d6-5e50fa5bf8ac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic81312474c774bd6959dade5b9762585_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYwLTMtMS0xLTEyMTQyNTg_eda82ab9-e8c1-474e-8baa-c29f19ee1397">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8482ac3d94404674a005ed1ce2227fc6_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYwLTQtMS0xLTEyMTQyNTg_83cf870a-104a-4934-9e83-669e612595ed">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other effects</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f2a78d917d94a03b68508f0a89df17e_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYxLTEtMS0xLTEyMTQyNTg_8adfd0d1-fd51-40ba-93da-079296597c39">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if84b947eef2e4b678d85f0ee09b17a41_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYxLTItMS0xLTEyMTQyNTg_2798c589-c22d-4cdc-8fb8-0c49393e4307">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3059699a3ed4432db6c20201b2962954_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYxLTMtMS0xLTEyMTQyNTg_ca212783-31bd-4e33-8597-3d0155c081a7">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia83294ebbfc7490f95fccb31b46907fa_D20220101-20221231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYxLTQtMS0xLTEyMTQyNTg_22d5707b-bad9-480b-afb7-60eade4d719f">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0785cc029fb54837a7b469b7249c5898_I20221231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYyLTEtMS0xLTEyMTQyNTg_dbf33266-4c47-461a-b571-bcff557c84f3">2,399</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i384ccb86e2da46bba376d1ef5849270a_I20221231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYyLTItMS0xLTEyMTQyNTg_abe1a44a-ee71-4f44-a3af-727e06d9ea89">132</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i860e6f39c9e345949b5d3f2f492dc0d3_I20221231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYyLTMtMS0xLTEyMTQyNTg_3979e432-3478-4057-8092-68265508dee7">103</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied5d7a902e9b4b0bb7b40e4bdc3fc5aa_I20221231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTpiNzE3ZWU5YTc5MjU0ODljOTJkYzkwZjk4MWQxMjVkNS90YWJsZXJhbmdlOmI3MTdlZTlhNzkyNTQ4OWM5MmRjOTBmOTgxZDEyNWQ1XzYyLTQtMS0xLTEyMTQyNTg_b4ecbb45-d283-4646-b6cf-ef7f5a22ab2c">25</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90ZXh0cmVnaW9uOmVlZDZhODAwNGVlODRkM2Y4YzNjYzRkM2VjZjE3YTVlXzU3NzI0MzYwNDU5NTQ0_2cc4e174-06e7-4287-94bf-d130c0587c35" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Including gains and losses arising from settlements.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90ZXh0cmVnaW9uOmVlZDZhODAwNGVlODRkM2Y4YzNjYzRkM2VjZjE3YTVlXzU3NzI0MzYwNDU5NzAx_3c116c61-ae78-4496-af2a-ecc8ba1e2792" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Excluding interest, which is recorded under "Interest income or expense".</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-148</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i08571a7c660e4e008fac934b8fefe374" continuedAt="i62dcd94358c649478427c1228c469e3a"><ix:continuation id="i27ca955d2b5b43858075c6ca813eb49f"><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The change in net liabilities (assets) during the years ended December 31, 2021 and 2020 was as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:32.336%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.304%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Post-employment commitments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021: Net liability (assets)</span></td><td colspan="15" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020: Net liability (assets)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">The United States</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Rest of the world</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0969f21e0aa54fcfa0057d1e4ba6ac9f_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtMS0xLTEtMTIwOTY3NQ_8a5a0997-789a-4255-aad0-cbff7f1179c9">4,039</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifce1ea1e039b4028815e416d820b254e_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtMi0xLTEtMTIwOTY3NQ_0de1f34f-e278-427b-9d31-957c4ba3f336">28</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idea3d2dbb7a043a0a7500dfcc95cbcdf_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtMy0xLTEtMTIwOTY3NQ_6ac16f0f-0d7d-4a45-8cff-e1a1ae60be87">85</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cdc640898ed425d8c202c5e9b3a1073_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtNC0xLTEtMTIwOTY3NQ_4a6bdf62-918b-4148-80d5-0f8e7c901cb6">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77af1ffb0a404bc28c83fa2e1b61d81a_I20191231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtNS0xLTEtMTIwOTY3NQ_bcd5abde-0208-41af-81b3-b27b485310c3">4,326</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i68f003f6e3c7439cad31e892af89fbfe_I20191231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtNi0xLTEtMTIwOTY3NQ_4a39d9f1-e7f9-4804-b023-1c70a87616e9">72</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7a9a852860d1452587ec57d9ce895bf6_I20191231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtNy0xLTEtMTIwOTY3NQ_2b7f923d-12f3-46f2-86ab-d1568ce5327a">52</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3478a1210e2e43dbbb2313506b779c4a_I20191231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtOC0xLTEtMTIwOTY3NQ_9bd886b0-b4f3-403a-a697-a2d22fdf78dd">86</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59502efc403b4702ab7f3dc7abe43550_I20191231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzMtOS0xLTEtMTIwOTY3NQ_434bb5b9-ff46-444e-a7ad-57abc3eb9a9c">38</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5a9e76df9284e47a2c25305301a65c4_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtMS0xLTEtMTIwOTY3NQ_ce283e56-4eea-42d4-86d0-232882309e76">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied852419f2bd47dcac4373416adfd7f3_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtMi0xLTEtMTIwOTY3NQ_7fd9e9ed-aafd-494b-9ae5-e3e008991118">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2d264af5faf498cba62a1c7dd110d51_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtMy0xLTEtMTIwOTY3NQ_a261cbb8-c02c-4097-9313-54f657156e27">16</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice546bf334154c759353781d4171d44f_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtNC0xLTEtMTIwOTY3NQ_537af5b1-9bcf-4832-9332-1190733d1ff5">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d5182fdb66547eeb6f4017560c086ab_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtNS0xLTEtMTIwOTY3NQ_abd1f1a5-4e9a-44c4-8a00-4e3dc9135f57">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id67c649baf9a49beb7821ded8b501653_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtNi0xLTEtMTIwOTY3NQ_a568e77d-21f9-47ce-8182-03e93b00839f">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie113d40743af48278be48a2ed8c567fc_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtNy0xLTEtMTIwOTY3NQ_00f01038-1172-4265-a791-5d1eabf9d0bb">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59c3842e66414723ad17a326a7d84b07_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtOC0xLTEtMTIwOTY3NQ_8497499b-4cd3-4ae7-ae30-c6f293e9f8aa">18</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie11211a556c94c12af319d812e55fa90_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzQtOS0xLTEtMTIwOTY3NQ_a35e4fc8-76c9-4259-afe1-65216d4f3e81">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income or expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i83e2493c0ad147d8818d98e4b5945968_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtMS0xLTEtMTIwOTY3NQ_a0273303-0e0f-46f0-af48-f1944faef2f9">20</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2ea4ef0e95b34ca198eb59f0ebafd0d1_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtMi0xLTEtMTIwOTY3NQ_ee54cff1-3ebd-4ac4-a4b5-6cf15d8d3d2b">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i72b3961ff5ed4333b5d612b171b44f83_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtMy0xLTEtMTIwOTY3NQ_d6d5c221-b078-455f-9bff-cedad7974ee7">9</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie682bde2ef78451894b0eb649eda280e_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtNC0xLTEtMTIwOTY3NQ_5fb206f0-3c2b-40c3-b862-c2c3136c2ae5">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f8bbf5b1da0496f82d105cfe9da18b7_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtNS0xLTEtMTIwOTY3NQ_3795a067-a923-41d0-a6ed-5b4f10644418">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b9010cc0cc64f7aaa6f075a85c97ec3_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtNi0xLTEtMTIwOTY3NQ_9b25e20d-c08c-45a6-848a-068b34236f8f">6</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i097bd534bb064ac181dc396e5402dc29_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtNy0xLTEtMTIwOTY3NQ_ed5b29fc-f2a4-4ef0-8164-5ca7357c95b9">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie4f2a9181b6a4e028b9c999af9e0c908_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzUtOC0xLTEtMTIwOTY3NQ_e903aeaf-884b-4ecb-97f6-d2a589a1982e">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic043c1c8e1354abaad2956a73b812c49_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzYtOS0xLTEtMTIwOTY3NQ_587be378-d6bf-4913-80d6-080e33dd0784">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1feea48f53804b1cb674c7a0f97a4202_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctMS0xLTEtMTIwOTY3NQ_d6f1fd7e-4468-4c6e-a282-b9433d23eeac">11</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idb6ac1d5a9104b018d9bd677fb8a2145_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctMi0xLTEtMTIwOTY3NQ_184c16c7-9059-40b4-9360-8983868a5082">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i11f8b126b2c6490fae1da653d8d26908_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctMy0xLTEtMTIwOTY3NQ_c124a85d-908b-4f08-bd1f-8db84969b272">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e9dcc5277c44143b6ab06ad6e745a8c_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctNC0xLTEtMTIwOTY3NQ_d495a18d-7dce-49c7-94d1-69fc7c67da5a">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iccfccd34145841b188db48ea1c44d9d8_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctNS0xLTEtMTIwOTY3NQ_31380dc4-cb7a-4f14-ac63-9667c08ac6e5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i28a5174f95f443d8a40f6fa7937e991b_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctNi0xLTEtMTIwOTY3NQ_d9528175-7962-4d37-b15b-b3e3d46496fb">86</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a16a85bed9d4ec19ff1bfe1d3247b5f_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctNy0xLTEtMTIwOTY3NQ_bdae3149-0566-4ac9-89c1-62d2bc250e87">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibe46be65a67a4905b110a7da80736cd4_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctOC0xLTEtMTIwOTY3NQ_12f17fbc-15b3-4359-ae74-1b6ec24ed458">14</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iac5169733ae343979bf1c7a5a0dfcfdd_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzctOS0xLTEtMTIwOTY3NQ_1a3539db-0b19-4089-ac57-0b259955805a">1</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Past service costs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0b8e3700cad4d1dbf89a59d701a4a73_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtMS0xLTEtMTIwOTY3NQ_cdcd07cb-20a8-4a80-99d2-b730744779ea">75</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f6e0a7014e542adaee40bbe2670f31b_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtMi0xLTEtMTIwOTY3NQ_0b24c86e-098a-4977-9fd8-c9ff4d0a7839">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibe659cebe9f440b9a8f7a4dee7e8c3d6_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtMy0xLTEtMTIwOTY3NQ_03518a12-5f28-4b7b-831f-bdbcbd2426fa">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ideea1b08619a47109b4560656e60883b_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtNC0xLTEtMTIwOTY3NQ_6e4e60be-f484-4016-b541-bab2c372e857">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie905be01bfc44774a0e9787b4b9acbe3_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtNS0xLTEtMTIwOTY3NQ_eb47e74d-19a7-4967-8b8e-d79dd9d047b0">224</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6aa114bc8cb2411fadc192afc77e6d4d_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtNi0xLTEtMTIwOTY3NQ_552baa02-2410-4313-aa21-290d0c73b3bf">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0ba0d9fd4eec4f9f93daaa7449b47b5f_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtNy0xLTEtMTIwOTY3NQ_acfc5f46-b671-4729-9f88-d65110f4827e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7abb30d2772241f4bf6d4f37a3ad6525_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtOC0xLTEtMTIwOTY3NQ_fcefd2e1-450f-422b-bb9d-f7002c13add4">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86773f36b6d343cca47291ee953d33f8_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzgtOS0xLTEtMTIwOTY3NQ_6eab4210-daa1-411b-8d63-23e1e89dfd10">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6021597835e640d988fb3ccd5c9ef881_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktMS0xLTEtMTIwOTY3NQ_d3b96fee-a94f-4152-bdd4-8a0168ce3bbd">98</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f012912e1734384aeeb9382c85b850c_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktMi0xLTEtMTIwOTY3NQ_5d5fb178-e76b-4cdb-9e50-18bc802290de">128</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i07c96732d96d4ee5998d2908ec48cc80_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktMy0xLTEtMTIwOTY3NQ_edb744ba-505f-4fd9-9868-2453cf0e29d7">10</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7e696abcfefc46f5b0bf46188329ae99_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktNC0xLTEtMTIwOTY3NQ_4954edb4-0e4f-4e51-9d0e-51989364119b">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2dddf637e05c496098fbfbb0c9bf58f2_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktNS0xLTEtMTIwOTY3NQ_b50d7226-1a66-42cd-9b47-0dffd04dfc9e">95</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i492c34d73a034168a1a29402cd444487_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktNi0xLTEtMTIwOTY3NQ_00d1f9b6-6411-459c-918b-feed66372efa">62</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1f1453e059714d83a5be8dabd2acda91_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktNy0xLTEtMTIwOTY3NQ_fff4f010-c960-4174-b458-69aa199008c0">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8625a09cd3a344839386bf939c7fc27b_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktOC0xLTEtMTIwOTY3NQ_f0cb9d14-c530-4bf1-95a8-429efda44f4c">18</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8a6ea96cbed342f59ea2031c77d793eb_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzktOS0xLTEtMTIwOTY3NQ_081c2c9d-0ac9-4b34-9cda-38a084e1fb47">14</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:13.5pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Return on plan assets </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:4.55pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icf17ae79ead04b7e82d5ada3bc29a658_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTEtMS0xLTEyMDk2NzU_e77f892a-a8bd-4bcd-a8fe-f142da93f41b">8</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i635b82cb3f0a4f72bfa181c5b5f15964_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTItMS0xLTEyMDk2NzU_c94b72a1-ba5f-4dde-aa98-e1d623195e7d">49</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i863a930845f645d6a003066e996944fe_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTMtMS0xLTEyMDk2NzU_263f74bc-44f5-40d0-aea7-cda3fa7ae8cd">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i74a33d966d2047f6b5775c100da74ad3_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTQtMS0xLTEyMDk2NzU_c25ecb13-d169-40f6-bff6-4ed870059465">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ifdaf6450cb1f4fe59585e6ac7ef9799a_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTUtMS0xLTEyMDk2NzU_baaf3ace-3189-4d39-a30d-ea362b1d6ed2">41</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8e35379c0cff4e63bdf0454efef2de61_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTYtMS0xLTEyMDk2NzU_148b2683-5a2c-488f-b4ac-a229f8cd843c">31</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idbebffffc8a4459eb3705b93eb74c2b4_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTctMS0xLTEyMDk2NzU_f3bd77cf-ca96-45fb-b0aa-107a2359db94">35</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ieae578abdf8d4a79842d7c3de5b2f3e4_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTgtMS0xLTEyMDk2NzU_02bf95ed-488e-48d6-8a99-ab6523ddd1e9">23</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib115b9803fd7410797929d4eb14b6052_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEwLTktMS0xLTEyMDk2NzU_b0680221-0d80-4d51-bbe0-6bf0c63b0a1f">26</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">From changes in demographic assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a9e9b7b764d41ad87de3956a0c9f041_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTEtMS0xLTEyMDk2NzU_c1622a7b-8b53-4774-a344-3bf3af604f90">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib4d139ffc3824e94abdfd0924e6de0f7_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTItMS0xLTEyMDk2NzU_5d2a24ad-1717-4399-962a-72a5d680f339">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99d32696a3da4016b40925cda0c693a5_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTQtMS0xLTEyMDk2NzU_2ea2cd2c-c008-40c4-bfe7-97f1f8f1a0fd">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5deee73e1c1b4aa6a7381c2c7f94a6ab_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTUtMS0xLTEyMDk2NzU_18f62dda-257f-40b1-9637-c883c71275e8">60</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9d4053939214c7c9b39312a95edac6d_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTctMS0xLTEyMDk2NzU_9f4bd395-c74c-4368-bfc8-bee536384aec">3</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3b77a9516c13445b9ab621d8a79dbd71_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTgtMS0xLTEyMDk2NzU_c1994823-dd32-4c93-85e7-013ccec391ff">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6600644704340b7a121b87185b062cb_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzExLTktMS0xLTEyMDk2NzU_be612e7a-2a5d-4afa-8616-e25f21d96173">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">From changes in financial assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic0969764cbdf4fae9db96071cd4a455d_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTEtMS0xLTEyMDk2NzU_ff41ffcb-f02b-482d-8a85-0d63a2352a1b">61</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i62fa05c97d3d4d1a9b5d5589513b8c18_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTItMS0xLTEyMDk2NzU_c036b556-7b8a-4430-87eb-c15287805094">84</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iee8629183055410b8a5c856a0eeb56be_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTMtMS0xLTEyMDk2NzU_08d6b0a1-2d3d-432d-bfd0-a9740998ea43">18</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic07c7cdbe6224e95889471e9fab67f86_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTQtMS0xLTEyMDk2NzU_a9b5c029-b435-4f85-bccc-4896ecfab724">7</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iae6f084520e54e7fa683d042637e7971_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTUtMS0xLTEyMDk2NzU_ecf93c6e-cec5-41cd-8dc0-5570c0280fa6">79</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i50a5ae5ecc6a4b9ba4353d416dab3a7f_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTYtMS0xLTEyMDk2NzU_5ff707c0-502d-4bdd-91f1-053e3d87cddb">19</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i30fad3200c1a41eeb01c55b5ae92ee68_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTctMS0xLTEyMDk2NzU_e835f18a-2a34-46bd-a8bb-07d65718c312">34</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i782e692089d246869a05aa8fc434ed0f_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTgtMS0xLTEyMDk2NzU_4eef10be-e48f-410a-8af7-3b18229006d7">54</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i162a170e436940c8b3d2917f2270d757_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEyLTktMS0xLTEyMDk2NzU_97f245de-0769-452f-b737-c0c57fecba17">17</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other actuarial gains and losses</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id08c0189bee0489bb179b0198f1af73d_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTEtMS0xLTEyMDk2NzU_2b025159-2a18-40fc-8f76-47b052652349">45</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4b0007f3679846e88b116ae6ec2a963e_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTItMS0xLTEyMDk2NzU_bec992a5-1f16-4933-8f3d-ac1aaa633c7f">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9cdf0de49fcd4cf18ce87a282d8bec7d_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTMtMS0xLTEyMDk2NzU_2cf6ef34-c7ea-41fe-b5b8-db2ec817d3ce">39</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id40519a5e9f843b1aa4122abff333072_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTQtMS0xLTEyMDk2NzU_85a3d4ac-68eb-406e-b864-dd68c4b63bc7">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id18ad06733224c53b15fd996249b4624_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTUtMS0xLTEyMDk2NzU_7aacab94-2c36-4fc8-a85d-c0ce34e2ca5f">3</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iebdabf5f60a445f8b5e081503fb2d4af_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTYtMS0xLTEyMDk2NzU_bcc403d3-8e09-4dd2-9bdd-c86eef1c49a8">112</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6640471712f64c0aaf87035e5089bd3d_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTctMS0xLTEyMDk2NzU_d172d8d9-83a5-4970-9383-3f547d1058d2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i89f67eb942db478286deaa48201eccf5_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTgtMS0xLTEyMDk2NzU_3ee881b4-98fb-43a4-b9c1-db5cd26e9cb7">59</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3daff87134db4178abf048f4f65c2fd6_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzEzLTktMS0xLTEyMDk2NzU_0032b091-3e48-4298-be44-a54cb5f3ee9e">5</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Benefit payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9e8574de25ce431fa27479377a6e88fa_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTEtMS0xLTEyMDk2NzU_0bc21675-d34a-4b5f-bf27-b676830298fd">599</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic226815d60874709bbbea68bb9d987b8_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTItMS0xLTEyMDk2NzU_a4bffec8-9d08-47fd-85ab-305be0cdb429">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7f49e4824c4b4d8ea883e9de9a510bd8_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTMtMS0xLTEyMDk2NzU_9491aba3-3c5c-4189-8f8b-ca28a576ed67">6</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i98f1b7893155476fa9d4998b59f88e0d_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTQtMS0xLTEyMDk2NzU_f53304cf-19aa-4410-bd72-5c48903df553">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i266161eb47d341d2bc8500f87ceb7e20_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTUtMS0xLTEyMDk2NzU_f5c73edc-8dee-4f5e-bd0d-730b59de96a6">643</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia2de01ea2e55414dbe56feba2b5f9edf_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTYtMS0xLTEyMDk2NzU_74a1d512-a491-4f19-bece-feffe3eaaf10">1</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i01ce2aeb72e041c19a308a7917ccab7d_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTctMS0xLTEyMDk2NzU_e9896eb6-48b1-4cee-8038-eb28e44d35b5">2</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2e93a7c3da54433da666e2b8546dc228_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTgtMS0xLTEyMDk2NzU_a619b816-dbd6-44f1-9540-036ee1e1eaa4">6</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7dc8c3c9864445efa269bf0afd5896fe_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE0LTktMS0xLTEyMDk2NzU_1f6d45a8-42d2-4170-aa0f-e1d30eb383b6">1</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlement payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE2LTktMS0xLTEyMDk2NzU_adb685b1-60b3-4676-86ba-ecf3ba8888d2">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effect on changes in foreign exchange rates</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c25fb1fb2624003926443291cf51efb_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTEtMS0xLTEyMDk2NzU_6c09714f-e587-4c8d-a312-6c7f63554a81">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a4d77eb63b5411eb2b969d69614b1db_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTItMS0xLTEyMDk2NzU_8c34b2a7-bf91-4704-91a9-27a6c97ee2e5">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibb688fe95593460eaf7c861e45560916_D20210101-20211231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTMtMS0xLTEyMDk2NzU_6dd9afa6-9a42-4d49-90b4-fca9e705542b">43</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0122d79deec34da8af579879f795b345_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTQtMS0xLTEyMDk2NzU_ee6d4907-fadb-4a20-9f15-5aa04494e9a3">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ca838221550443da7d4e84a3dd33057_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTYtMS0xLTEyMDk2NzU_038f1c3e-d1e9-4a14-ac26-34d7f46a542d">10</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i6ebaa71938c1457cbb618043b823c253_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTctMS0xLTEyMDk2NzU_b87b2a6b-6b6f-496d-97d5-5ba13cf65924">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib08d060eed514f4ea4d1707a70e5e08b_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTgtMS0xLTEyMDk2NzU_14b49013-ffc5-4d5b-91a1-605bcbdf5c2a">26</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3cbabb4d995e4111a931fd1df0e21e9b_D20200101-20201231" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE3LTktMS0xLTEyMDk2NzU_86f806ca-9bde-4491-bf46-8bb171d594d9">4</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Conversions to defined contributions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i113f118d5fed4ded90b04c3ffff89a27_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE4LTEtMS0xLTEyMDk2NzU_2752422a-962b-462c-b22e-031d1f71b5ee">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb4a750e636842468794c142f7f952b3_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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contextRef="i532592f551984720933ef98185d0b44b_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTEtMS0xLTEyMDk2NzU_95ead86c-247b-40a7-912b-5e005236e131">12</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42e6f829736c479db4985c40ad36ac7a_D20210101-20211231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTQtMS0xLTEyMDk2NzU_0be26112-610b-45c3-94ee-1f52be3d731d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76f56141b238421a9553108252816840_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTUtMS0xLTEyMDk2NzU_3bf37a9b-7fec-419a-bc0b-c1b470a6f156">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f4565a012094774ad50df5f262debfd_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTYtMS0xLTEyMDk2NzU_b3d669ff-0548-4dfb-bd01-9062a3265854">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iba2424a1e84840eb8084e3103b663cd1_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTctMS0xLTEyMDk2NzU_8963e6cd-6caf-4f89-8bbb-95f701157967">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i207289e108424ec0a58d5968f65d0cd7_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTgtMS0xLTEyMDk2NzU_0c50ae6b-70bf-4d64-a94e-20bc1502319b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic72d194bd71d4509b8df0e1889903449_D20200101-20201231" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzE5LTktMS0xLTEyMDk2NzU_097a0810-81e2-4085-a086-34b9c2b251f3">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i466a3a96e22a4957b77f5a727dff7dff_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTEtMS0xLTEyMDk2NzU_7a8ac0ad-fa25-4e3c-a790-7db505fa93a5">3,464</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie5382d5dd0d841aabf139484931bb2dd_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTItMS0xLTEyMDk2NzU_365401a9-88f1-4d32-9721-5b944219a7a5">124</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib4ceae85c6b84a46ad34251d23ce7d50_I20211231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTQtMS0xLTEyMDk2NzU_04b02736-f416-41cc-99a2-7414c4e06962">24</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0969f21e0aa54fcfa0057d1e4ba6ac9f_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTYtMS0xLTEyMDk2NzU_f218b07e-416a-4ae8-9276-d74868fa1fd8">28</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9e8c36381f5d4638b47c49cba2b65853_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTctMS0xLTEyMDk2NzU_06d527ea-cfc2-4c01-8897-23e19b75f9be">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idea3d2dbb7a043a0a7500dfcc95cbcdf_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTgtMS0xLTEyMDk2NzU_38f554ca-7649-4032-bbe9-c014587d0a07">85</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cdc640898ed425d8c202c5e9b3a1073_I20201231" decimals="-6" name="bbva:NetLiabilityAsset" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90YWJsZTowNWI2OTljMmQzMDk0YjIwOTY3ZTAxNDg2MzI3OTNiZi90YWJsZXJhbmdlOjA1YjY5OWMyZDMwOTRiMjA5NjdlMDE0ODYzMjc5M2JmXzIwLTktMS0xLTEyMDk2NzU_1cb6576f-9068-416b-a859-22837aa27280">27</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90ZXh0cmVnaW9uOmVlZDZhODAwNGVlODRkM2Y4YzNjYzRkM2VjZjE3YTVlXzU3NzI0MzYwNDU5Nzk4_eabb44ac-7275-4819-8072-76db0dd9b3c2" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Includes gains and losses from settlements.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MTYvZnJhZzplZWQ2YTgwMDRlZTg0ZDNmOGMzY2M0ZDNlY2YxN2E1ZS90ZXh0cmVnaW9uOmVlZDZhODAwNGVlODRkM2Y4YzNjYzRkM2VjZjE3YTVlXzU3NzI0MzYwNDU5OTc5_75250836-caff-4ccc-a49c-046f62479c30" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Excludes interest which is reflected in the line item &#8220;Interest income and expense&#8221;.</ix:footnote></span></div></ix:continuation></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_919"></div><ix:continuation id="i62dcd94358c649478427c1228c469e3a" continuedAt="ifdcecb15498647759d6e10a3f51d4f7b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Spain, local regulation requires that pension and death benefit commitments must be funded, either through a qualified pension plan or an insurance contract.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the Spanish entities these commitments are covered by insurance contracts which meet the requirements of the accounting standard regarding the non-recoverability of contributions. However, a significant number of the insurance contracts are with BBVA Seguros, S.A. &#8211; a consolidated subsidiary and related party &#8211; and consequently these policies cannot be considered plan assets under IAS 19. For this reason, the liabilities insured under these policies are fully recognized under the heading "Provisions &#8211; Pensions and other post-employment defined benefit obligations" of the consolidated balance sheet (see Note 24), while the related assets held by the insurance company are included within the Group&#180;s consolidated assets (recorded according to the classification of the corresponding financial instruments). As of December 31, 2022 the value of these separate assets was &#8364;1,656 million (&#8364;2,326 and &#8364;2,572 million as of December 31, 2021 and 2020, respectively) representing direct rights of the insured employees held in the consolidated balance sheet, hence these benefits are effectively fully funded.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On the other hand, some pension commitments have been funded through insurance contracts with insurance companies not related to the Group. In this case the consolidated balance sheet reflects the value of the obligations net of the fair value of the qualifying insurance policies. As of December 31, 2022, 2021 and 2020, the value of the aforementioned insurance policies (&#8364;147, &#8364;206 and &#8364;249 million, respectively) exactly match the value of the corresponding obligations and therefore no amount for this item has been recorded in the consolidated balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Pension benefits are paid by the insurance companies with whom BBVA has insurance contracts and to whom all insurance premiums have been paid. The premiums are determined by the insurance companies using cash flow matching techniques so that benefits can be met when due, guaranteeing both the actuarial and interest rate risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Mexico, there is a defined benefit plan for employees hired prior to 2001. Other employees participate in a defined contribution plan. External funds/trusts have been constituted locally to meet benefit payments as required by local regulation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2008, the Turkish government passed a law to unify the different existing pension systems under a single umbrella Social Security system. Such system provides for the transfer of the various previously established funds. The financial sector is in this stage at present, maintaining these pension commitments managed by external pension funds (foundations) established for that purpose.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The foundation that maintains the assets and liabilities relating to employees of Garanti BBVA in Turkey, as per the local regulatory requirements, has registered an obligation amounting to &#8364;292 million as of December 31, 2022 pending future transfer to the Social Security system. Furthermore, Garanti BBVA has set up a defined benefit pension plan for employees, additional to the social security benefits, reflected in the consolidated balance sheet.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-149</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_922"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">25.1.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"><ix:continuation id="ifdcecb15498647759d6e10a3f51d4f7b" continuedAt="i6ebfa5f8dec6448b99b848af72a62d4e">Medical benefit commitments</ix:continuation></span></div><ix:continuation id="i6ebfa5f8dec6448b99b848af72a62d4e" continuedAt="i3e1ae747a641432ca5fda26ab2fbc48e"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:MedicalBenefitsCommitmentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90ZXh0cmVnaW9uOjY1NGEyNzc2ZWU4MjRhZWM4MGJhNjhjMGRlZWNhYzU3XzE2OQ_4a56d4e3-53d0-48b1-b8d7-a8e7a3deab94" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The change in defined benefit obligations and plan assets during the years 2022, 2021 and 2020 was as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:25.248%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.679%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.679%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.843%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Medical benefits commitments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Plan assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liability (asset)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Plan assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liability (asset)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Plan assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liability (asset)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i70d8bdac6e3d491f99e9dc849ec57de5_I20211231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtMS0xLTEtNzE0Nzc0_2dc5f1f4-a2be-4555-bbd6-ff2d2fa25580">1,377</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12d4c54940c8401086d9e3487713ed97_I20211231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtMi0xLTEtNzE0Nzc0_0abc32c8-059f-4fb9-9556-d028273b6f0e">1,494</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1c36fb96c27c478ead552f89df2f0035_I20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtMy0xLTEtNzE0Nzc0_75e0726c-0df6-423f-b4d3-dfe11a77db50">116</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ca3c411c7864cd39ed1600387b341f1_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtNC0xLTEtNzE0Nzc0_89583913-c7d2-46dc-b843-ace9848285a7">1,562</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e21b0ac3a424640a7c089a5f8837cdb_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtNS0xLTEtNzE0Nzc0_fd4b5ffe-00d2-4e73-9642-35f78a197de5">1,484</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c12298ed41642d9850528729ec49c01_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtNi0xLTEtNzE0Nzc0_c4103607-56a1-4c8d-b4e9-36622e877e83">77</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc7e97bef2a746a2a91442a02afbeccd_I20191231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtNy0xLTEtNzE0Nzc0_dea7ac9f-3699-4896-a9cd-d6e57f1b585a">1,580</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3836bad4b57a4830ba95b0cb5d0400fd_I20191231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtOC0xLTEtNzE0Nzc0_b8bcfb20-11b7-4b04-a843-1c3a7510f950">1,532</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78d8557b6d8c455f8a84704492c4e9ec_I20191231" decimals="-6" name="bbva:MedicalBenefitsCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzMtOS0xLTEtNzE0Nzc0_0ca395f1-1e1b-4505-ad5b-3aec6e90fec3">48</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56c0f8685cd44069bfdf4c15dc32fe34_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtMS0xLTEtNzE0Nzc0_bc312f18-dfeb-458a-91a6-680a6a12be51">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ea5c5041ba948acb8c0bc6eeffdb947_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtMi0xLTEtNzE0Nzc0_09ce0676-d501-43fd-bcfb-7fc1f870c796">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie1f43032349b4ef7a85a65ab99c679e3_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtMy0xLTEtNzE0Nzc0_a95ddb19-f409-413c-9dd2-e213524e2bc2">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01ced601a2a54f62aa1fb481eca158e8_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtNC0xLTEtNzE0Nzc0_6b55d085-0cc1-4cf0-98a4-e4eb958c98c0">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1cbfedda4f6d4fe68deb5d511306df26_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtNS0xLTEtNzE0Nzc0_e718b628-4a9d-4817-9f5e-30f45eb2c890">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1976796d05d642b5a9526a9e7f0f6483_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtNi0xLTEtNzE0Nzc0_bbfdbd6c-98fd-4c02-8f21-e368270cf1b7">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i259e0242b05448ab895e7a4974104167_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtNy0xLTEtNzE0Nzc0_d14b4720-de47-40a9-a0d2-9c1383dbe285">21</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ad5bd6d967b4a668ef9792f54abe9dd_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtOC0xLTEtNzE0Nzc0_57aec6d5-c41a-4ca1-9196-c8e27ff6e712">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i142b38fba2324d688e2966a41b388d15_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzQtOS0xLTEtNzE0Nzc0_2c417f39-66dd-4c8d-ad0e-45bbcc8e5d4b">21</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income or expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0dc4e1054ef42838d3463af8b122077_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtMS0xLTEtNzE0Nzc0_6a9602e8-1272-4169-a683-08883d4f1c45">144</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf9afb6a34a44803bb53d4c61ed69da3_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtMi0xLTEtNzE0Nzc0_5a937637-2810-4dc6-bfc4-e31da8c976b4">157</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ifa703626775341649e9ede1f1c1d2ab9_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtMy0xLTEtNzE0Nzc0_294b8425-cb56-4b20-98b4-dce8ba5e10b2">14</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic5dce096f5574662bf6960de1a186786_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtNC0xLTEtNzE0Nzc0_c5d5c783-c961-469a-bafc-8e2f8cc0fd22">131</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127b94d830c742b7b70971060ca0f856_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtNS0xLTEtNzE0Nzc0_ba2f5b84-2066-4fbb-b6e6-58c12b751356">129</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if15ec8a3e51e494aa7d0da4967f10f15_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtNi0xLTEtNzE0Nzc0_73932b11-f321-4e98-b0a5-ecf2884c841a">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i099f48bfa92442b4af6f3384ef20e1f9_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtNy0xLTEtNzE0Nzc0_b634795a-8b20-4c37-9ebf-987ec6f10cf6">117</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3252b07805f94cafaa57c08d9f4eb454_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtOC0xLTEtNzE0Nzc0_073a35ea-1b2c-4828-a5ca-b4afa35d3e0e">120</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ifcfb12d0bf72494ebd182a72eb1215e5_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzUtOS0xLTEtNzE0Nzc0_e6b9ef62-5fda-49b2-b52f-87c295712c3a">3</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contributions by plan participants</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02c95e870229457b8dd6c6426b98d6d8_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzYtMS0xLTEtNzE0Nzc0_a6f23656-f88a-4da1-bd7b-d22058e1d58d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id42329b47fc64416b15a8d980563384b_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzctOC0xLTEtNzE0Nzc0_3e257adf-3937-4649-a52f-2d54e14360e7">22</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic4183deb6d8d4386946f940741c46232_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzctOS0xLTEtNzE0Nzc0_69ab5dd3-8c8f-4d73-9c5c-98decca8b731">22</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Past service costs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31983ed5f9524bc0b231c8d9348cc476_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtMS0xLTEtNzE0Nzc0_cdf4acf1-504a-4ad3-b7c9-3b5688c212f0">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia9d071dc53004e28ae8fe3074dac84b3_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtMi0xLTEtNzE0Nzc0_87102abd-5f1e-4e91-a7b4-26d0c82f8f73">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i373f2d921d75415f89ebeb4d78957f92_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtMy0xLTEtNzE0Nzc0_71bae92f-b124-4308-872f-704ea40278bd">28</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia75106db021c4f5fade28eba72ba17c7_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtNC0xLTEtNzE0Nzc0_b5d928ae-26fa-43e6-914c-a82505692bfb">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ea18f91ac5243919b7b45980ee84d85_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtNS0xLTEtNzE0Nzc0_8303c679-93f4-42fb-9b46-adc98525c6a6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idede3a9fec32400da1584fea1c45c89f_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtNi0xLTEtNzE0Nzc0_1c4b1b48-5a26-4792-ad04-d329d510082d">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iab1a9bc82db14505856784e0f9aa6186_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtNy0xLTEtNzE0Nzc0_df9e5700-9525-4ca3-ac93-61660bf5dfbe">8</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i031173c2e2d1442399be3b2c8e93a089_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtOC0xLTEtNzE0Nzc0_5a9b38de-4f8c-4e48-b0d2-5dddf08d49d4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idf527d93dca341d5b11732953886ea5c_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzgtOS0xLTEtNzE0Nzc0_bb944198-f7da-49a7-8575-47895466194d">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2bfed49a789b4637b87af3df1c7328d3_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktMS0xLTEtNzE0Nzc0_68ba111b-9b5d-4939-9cba-d6cdfb0a4ccd">215</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaf39df1e6dd24b0995f61b47e714cfef_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktMi0xLTEtNzE0Nzc0_582adbc5-a490-4cf2-9329-15accaff3f70">144</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic1cd0061957341cca4e7035334e852af_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktMy0xLTEtNzE0Nzc0_d8f51d05-e592-461b-88e6-b3fbddb22aab">71</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib6e1e4eac5d74201bce783b4bd8e6739_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktNC0xLTEtNzE0Nzc0_abadbe69-d67a-4427-ba60-4e5ed56d3693">377</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iccc6a9cc5c534fb4956e3c4087cb281a_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktNS0xLTEtNzE0Nzc0_0b33eb77-7612-4e9f-9351-634d05597532">119</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i82fa3aad445b4ca0834941b3ae401005_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktNi0xLTEtNzE0Nzc0_34bb8c41-43d9-4d3a-8828-00bd98f75f4c">257</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a570cfbcfd44e24b5cbc78dbe9dbe99_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktNy0xLTEtNzE0Nzc0_1b709bff-4a8f-46f5-95bb-2e3eb722cf02">95</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6f10e6fb8126434aab571338973e2b14_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktOC0xLTEtNzE0Nzc0_9ee91712-408f-4f6a-b124-a9a2803e93a5">66</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idbde446a9412409685964f9ce109f0d7_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzktOS0xLTEtNzE0Nzc0_88daa608-e2ea-4c5a-a490-8862248fc5a6">30</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-indent:13.5pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Return on plan assets </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:4.55pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i080abfaa019843ef8d96ee9a0e94c9a4_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTEtMS0xLTcxNDc3NA_2938fd49-77ff-4040-834b-ccf8b18a5255">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie13fd63cbf214d88918c0b73e278e707_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTItMS0xLTcxNDc3NA_9943b864-dac6-4ce4-aeb3-ffb8c1e43760">144</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49e5e8a2516d4b248c999ae3ff6ab41b_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTMtMS0xLTcxNDc3NA_99703092-1fb9-4afe-afee-5b4be9f7cac4">144</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i08f19ba6fc0f497db4b2d71f4165336d_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTQtMS0xLTcxNDc3NA_1f948aea-94f4-4087-9b02-cd3a4b38cdf1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if0dfb6717bef498993d5972d93502e90_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTUtMS0xLTcxNDc3NA_9ff70e82-3887-425b-87f9-207a9266d4d2">119</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia80017106e204830a6114028112054c0_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTYtMS0xLTcxNDc3NA_fdb05f43-6356-4d0b-8829-e400cb1d333a">119</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i276e7c5aa96741a8854cfa9aeb3ba3b7_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTctMS0xLTcxNDc3NA_9dd107f1-7e0d-44bd-b617-72e5d0c2e470">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0abf1abae7694ada8e462f7eaca2b03b_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTgtMS0xLTcxNDc3NA_fa8ea64f-918e-44c6-87ba-2d9598bd9db1">66</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8cebd7de9f914f7fa5e9ba731452989b_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEwLTktMS0xLTcxNDc3NA_df3900b3-e3ed-4479-9e9d-5b1cb6354449">66</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">From changes in demographic assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifcdb5f8163554f9a8b12c11dca668919_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzExLTEtMS0xLTcxNDc3NA_f9aac29b-18a2-485d-8ce7-0cc536bf39f4">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic05bd4e2cb7540aeb973d23a7fec20b5_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzExLTQtMS0xLTcxNDc3NA_49606f35-4c8c-45d7-b8ff-a68065269534">115</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd610ae8e19147c080e2c3b3c95e4b96_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzExLTYtMS0xLTcxNDc3NA_2458ab39-25c2-4276-9e15-d54e010f330f">115</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1ac3640d7f1482fa63230e69c2c99a3_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzExLTktMS0xLTcxNDc3NA_d77fe8a6-fab6-4b35-8ea7-a76bedb1c5fb">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">From changes in financial assumptions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i400b47c82d7240869d94b4923da0000d_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTEtMS0xLTcxNDc3NA_1fe76a7c-c206-4fae-b561-420eacd0b21f">191</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib91511ca33fd444bb27e8579a4383135_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTMtMS0xLTcxNDc3NA_a40fb8f2-a254-44ac-887c-9abd12a7b02e">191</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i61b2e100a9fe4b97b7c67aa39ab4d4c4_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTQtMS0xLTcxNDc3NA_8b32efd9-75b4-444c-8eb0-320ba179a48c">257</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82d1b4a8016b4d3ea0ed81107a2af52f_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTYtMS0xLTcxNDc3NA_bb1f555c-733b-47de-a766-aa97f387b8e6">257</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia3b6ae2401e648358992870521c4b587_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTctMS0xLTcxNDc3NA_2035a3ae-2570-474a-b232-4a1d5f46a5a1">110</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i759475bc216c403f9201d9a5a5588fa0_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTgtMS0xLTcxNDc3NA_e13b8f04-b91f-4aba-b362-1e1bf986b49f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic703ffb5048c4fdda2cf3d720ebbcb1b_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEyLTktMS0xLTcxNDc3NA_d0945f93-655e-441e-b9f3-c7693c73ecfb">110</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other actuarial gain and losses</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibcb6ec1e8c58435a8a423b16268896de_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTEtMS0xLTcxNDc3NA_a06fde62-b29a-417f-a88d-b7adfdcbf33d">23</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic1ddf169a5ac4e9ead99db446286357b_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTItMS0xLTcxNDc3NA_3ca0a645-c182-4370-9ace-3aa7451a4a93">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i688a2148fee2477487c2690540f78045_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTMtMS0xLTcxNDc3NA_7d2ce7a3-7dc0-407f-bbbf-abc853d9b697">23</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2a7601cabdaf485b8289369b3c8928b3_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTQtMS0xLTcxNDc3NA_be66c269-921f-4877-8686-45c56398ee47">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff68698ff12643e282423150a8387647_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTUtMS0xLTcxNDc3NA_bc235891-1371-4e0f-b0fe-53925ca17f6f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i84ee49ecee39494e9e1404874351bce8_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTYtMS0xLTcxNDc3NA_31106d9f-6e86-464a-8d33-bbc4b68c602f">4</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i42f78b1a5a02471d8a4bcaddcb67d4c8_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTctMS0xLTcxNDc3NA_26bbf648-bd4b-4ad8-aa82-90646d338eae">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i955a841f4b1641a4a367136262ad9e8a_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTgtMS0xLTcxNDc3NA_09b787c9-d1d6-4a52-8edd-c14133e22ffe">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i64e6ddab89e241d7be051fcd7b48482e_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzEzLTktMS0xLTcxNDc3NA_acf74265-6768-4665-b87c-b6906f0ab63d">15</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Benefit payments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic60b93a8fe584dfc8f01342f76702fd8_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE0LTEtMS0xLTcxNDc3NA_bf737a87-7b02-48d8-ac1f-4e8cae259bec">60</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ice411f131c0940c89fca74690f0e1a0a_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE0LTItMS0xLTcxNDc3NA_78ba457d-2b9e-4915-8493-6fa33901a8cd">60</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2bbdce4f2af04ab69662df20a0a4819c_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE0LTQtMS0xLTcxNDc3NA_51cb7573-9f9c-4719-aca2-f2cd5304362f">49</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1a2cb9ff318e44a8988e02a4dc2271c1_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE2LTQtMS0xLTcxNDc3NA_f99c2d9c-6d67-4773-a175-c14dda7fe24e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2dba6292a5644b96a58d867ff867e951_D20210101-20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE2LTUtMS0xLTcxNDc3NA_6eec56d6-285e-4a43-b458-35590fc89b1b">39</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29bb22581a554e6b9c916b6c6016df68_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE2LTYtMS0xLTcxNDc3NA_602fb1eb-9f69-4914-871b-4e6443360543">39</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f236f0c27754da2b1b36f5bee08d50e_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE2LTctMS0xLTcxNDc3NA_fdc3e7e5-d35f-4224-afd2-e9c5e57cbd05">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i872d0884be90474ba027732b23d6f249_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE2LTgtMS0xLTcxNDc3NA_f12075c7-20c1-4c7c-89fa-01b15b99d731">19</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79c13b7ed5314f39a0b69d07ecdb348f_D20200101-20201231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE2LTktMS0xLTcxNDc3NA_c2d570e1-d7b4-4ef8-89e7-6562e87d59e4">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effect on changes in foreign exchange rates</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8bd2a684ceb5443f86e61ebe5e7bb2f3_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTEtMS0xLTcxNDc3NA_587a993a-822a-4552-a6b1-b6530e3491ce">155</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d503b4f55d845cab141da1c672f24e4_D20220101-20221231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTItMS0xLTcxNDc3NA_a1be1730-12f1-4d02-9c89-7ec1f3b4e1c4">167</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaed363d364ef46eeabcd6feff076eaa8_D20220101-20221231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTMtMS0xLTcxNDc3NA_e1fe8207-89ea-4a22-a56e-0d3980750200">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3597b3508cf4dec86d2f5c46f0f9857_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTQtMS0xLTcxNDc3NA_3931955d-6751-42f2-867f-77e5d0c245e4">90</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id004d6e2b0c2449a917c713661caa777_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTUtMS0xLTcxNDc3NA_ae8d7855-593f-4358-af05-2a652ae7377a">86</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie67e2daaab414bd08a19e3447e8d2387_D20210101-20211231" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTYtMS0xLTcxNDc3NA_e21474fe-0a13-42a2-a663-9d919f3f97f8">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i11841f86e1cc4b4a9e3604fee1fb6f7e_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTctMS0xLTcxNDc3NA_124d73f8-9897-447d-a729-1a5559ea3250">207</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8324f4fcf1c449be8272b89e8947f90b_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTgtMS0xLTcxNDc3NA_4145f3dd-82c5-4f94-8b27-55426f11c9d4">201</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3f9faf8806a24f68bb83860ed06826b9_D20200101-20201231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE3LTktMS0xLTcxNDc3NA_dcdbe00c-f510-40bd-a42a-aeee895c5e30">6</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other  effects</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42520f0e26134994ba67271501502ac4_D20220101-20221231" 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decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE5LTEtMS0xLTcxNDc3NA_00298f23-7154-4969-b7e4-f849b431be25">1,448</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia720a57a1a9b41aabf0dfc25befc7b0a_I20221231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE5LTUtMS0xLTcxNDc3NA_be0e56d8-1c8f-4353-8eef-2e0f285488c9">1,494</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1c36fb96c27c478ead552f89df2f0035_I20211231" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE5LTYtMS0xLTcxNDc3NA_99c2876f-c695-4c49-8075-2c0178b319b8">116</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ca3c411c7864cd39ed1600387b341f1_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE5LTctMS0xLTcxNDc3NA_c50e63ba-3f80-4da4-8045-cd77c78ab30e">1,562</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7e21b0ac3a424640a7c089a5f8837cdb_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE5LTgtMS0xLTcxNDc3NA_4d3c8db6-c667-45af-b19d-ff349d0f0818">1,484</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c12298ed41642d9850528729ec49c01_I20201231" decimals="-6" name="bbva:MedicalBenefitsCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90YWJsZTo1YTQ0ZTE3ZDQzZjk0NWIwYjg0MzlhODNiNmY3NTE0Zi90YWJsZXJhbmdlOjVhNDRlMTdkNDNmOTQ1YjBiODQzOWE4M2I2Zjc1MTRmXzE5LTktMS0xLTcxNDc3NA_7c9587ae-ba61-4199-b646-e4ce6c35c653">77</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90ZXh0cmVnaW9uOjY1NGEyNzc2ZWU4MjRhZWM4MGJhNjhjMGRlZWNhYzU3XzU3NzI0MzYwNDU4ODUy_4a8a81d4-e862-429d-9a91-511f2b4a2ab4" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Including gains and losses arising from settlements.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjIvZnJhZzo2NTRhMjc3NmVlODI0YWVjODBiYTY4YzBkZWVjYWM1Ny90ZXh0cmVnaW9uOjY1NGEyNzc2ZWU4MjRhZWM4MGJhNjhjMGRlZWNhYzU3XzU3NzI0MzYwNDU5MDA5_cbb04ce5-573b-4190-afeb-c5a6654dcaec" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Excluding interest, which is recorded under "Interest income or expense".</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Mexico, there is a medical benefit plan for employees hired prior to 2007. New employees from 2007 are covered by a medical insurance policy. An external trust has been constituted locally to fund the plan, in accordance with local legislation and Group policy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Turkey, employees are currently provided with medical benefits through a foundation in collaboration with the Social Security system, although local legislation prescribes the future unification of this and similar systems into the general Social Security system itself.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The valuation of these benefits and their accounting treatment follow the same methodology as that employed in the valuation of pension commitments.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_925"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">25.1.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"><ix:continuation id="i3e1ae747a641432ca5fda26ab2fbc48e" continuedAt="i8658b088c6db4660afce91acf35012a9">Estimated benefit payments</ix:continuation></span></div><ix:continuation id="i8658b088c6db4660afce91acf35012a9" continuedAt="i3f5b7e42a21a4c12982cd73e5db087f1"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EstimatedBenefitPaymentsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90ZXh0cmVnaW9uOjc4ZGY1NTgyNDc2MTQ1NDZhYTM5YjJlZDRiYjgyNWU3XzEz_2c700175-592a-41f0-a5b5-75c909ccf2db" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the estimated benefit payments over the next ten years for all the entities in Spain, Mexico and Turkey are as follows:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:25.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.094%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Estimated benefit payments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2028 - 2032</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments in Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03ee14afdf38408598aa0d49fb1d65d8_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzItMS0xLTEtNzE0Nzc0_62ec4533-bcc9-4f0f-bc7e-a6a1667f12d1">522</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4c874afdcd94b3fadccebfc17f6506f_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzItMi0xLTEtNzE0Nzc0_6232e1d0-27a4-4157-96b3-424fee5bad49">384</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6f64d2a124514cd69514cad1f1ebbad6_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzItMy0xLTEtNzE0Nzc0_58361a5a-e947-45d1-a7ca-bb3b5a327894">326</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c2e9263ee464e5186056e841d2ad48a_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzItNC0xLTEtNzE0Nzc0_82469ab1-9f20-4282-a550-db756b916e3c">279</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i71728bb07b434810bed2e742bdeab55d_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzItNS0xLTEtNzE0Nzc0_80fd0d65-7e6d-46a6-85a5-046c64d2e1ec">242</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d9db4e8420b4d6988ab95a01de01984_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzItNi0xLTEtNzE0Nzc0_c9b1b7c6-0b5e-4b0d-9a51-3aa844295a44">794</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments in Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6bc2ad318f6248a4b2d16fca50c9eb52_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzMtMS0xLTEtNzE0Nzc0_ef35a111-c295-46f2-88f0-ef4e95748892">159</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9059a2b5bb094a888fce7fcc01499400_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzMtMi0xLTEtNzE0Nzc0_d50ca2c8-2084-48e3-befc-836f6fc57b6d">171</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f1b56411d9e4e799a945e2a6017e651_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzMtMy0xLTEtNzE0Nzc0_93a9f64b-612c-4982-807c-618b0e9dc92e">180</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ife85de5edabc4e94bda946ed95a5cb32_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzMtNC0xLTEtNzE0Nzc0_6ebad858-b6b2-427d-a4e2-c5f439825c5e">189</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id2bc847d9ea04cde89731917567e3a57_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzMtNS0xLTEtNzE0Nzc0_10cf0dd0-7d51-4a72-8efc-3c7e3b6314f6">198</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b96bc2df0d04e68ab801b81ce1d4626_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzMtNi0xLTEtNzE0Nzc0_e879bd74-d517-4157-996e-0aa14319ad27">1,148</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments in Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i50a83a73c36e4f4ab1d9907d534f2c33_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzQtMS0xLTEtNzE0Nzc0_3733477d-f8bf-43a5-9bfa-00c431aca965">19</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b021ff5b4c947d5a4d3201fddffb49f_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzQtMi0xLTEtNzE0Nzc0_73bacc84-1d38-4535-b501-1e71c1adbf1d">16</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a9b54750c574b54aa08dcd3c3a0d657_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzQtMy0xLTEtNzE0Nzc0_c1feee4f-352c-4acb-b823-abb2e10fe5aa">20</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ad34fb7604d4737aa022d8ba8050e79_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzQtNC0xLTEtNzE0Nzc0_6e9f762e-2bed-4700-985b-89acb58fe7ba">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0158c6777e3f4e8ab18c25ad703d3dfd_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzQtNS0xLTEtNzE0Nzc0_d3392b50-374a-40aa-bf4a-1bbf79f8cbfe">31</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59875c5d05534437b66f15bffec4ffd3_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzQtNi0xLTEtNzE0Nzc0_6b6496e4-c2b5-42f3-953d-afc3ae5c12b1">265</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i992c0c4984a2413ca6b047d1bf2b2cfb_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzUtMS0xLTEtNzE0Nzc0_89ef2975-5c5c-4e8b-9446-07e88a804e35">700</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i944f3fbc5f524516b07b315ba04792f6_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzUtMi0xLTEtNzE0Nzc0_8e915d16-11ba-43cb-ba79-1fdafd49138e">571</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic025713dc5e34467999de6d564ec4f04_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzUtMy0xLTEtNzE0Nzc0_e7023199-1163-48e8-9124-f95c438fba90">526</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i206d4f9e8281416a88c5bb6cc44d40f0_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzUtNC0xLTEtNzE0Nzc0_d3792550-4357-48d0-8ce1-a00f4af4f679">493</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib11c9db37f2a47cd920304be93c622e3_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzUtNS0xLTEtNzE0Nzc0_b2855ff5-5038-48e9-b6f4-c28ca2e745e5">471</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if23487f274cf498698d022f6fe9dfd49_I20221231" decimals="-6" name="bbva:EstimatedBenefitPayments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjUvZnJhZzo3OGRmNTU4MjQ3NjE0NTQ2YWEzOWIyZWQ0YmI4MjVlNy90YWJsZTo2ZTQ4OTA2Njc0NTI0ODBlOGU4NDNjN2ZlYmUxYTg1NC90YWJsZXJhbmdlOjZlNDg5MDY2NzQ1MjQ4MGU4ZTg0M2M3ZmViZTFhODU0XzUtNi0xLTEtNzE0Nzc0_9d4a397b-2f1b-4c85-b2ca-395a7dc7a705">2,208</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_928"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">25.1.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"><ix:continuation id="i3f5b7e42a21a4c12982cd73e5db087f1" continuedAt="ia270ce3f9c284ae7b4d8dfbd70b872ca">Plan assets </ix:continuation></span></div><ix:continuation id="ia270ce3f9c284ae7b4d8dfbd70b872ca" continuedAt="i0475ffc6c4e94b7abbd4a85180a2982b"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The majority of the Group&#180;s defined benefit plans are funded by plan assets held in external funds/trusts legally separate from the Group sponsoring entity. However, in accordance with local regulation, some commitments are not externally funded and covered through internally held provisions, principally those relating to early retirements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Plan assets are those assets which will be used to directly settle the assumed commitments and which meet the following conditions: they are not part of the Group sponsoring entities assets, they are available only to pay post-employment benefits and they cannot be returned to the Group sponsoring entity.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To manage the assets associated with defined benefit plans, BBVA Group has established investment policies designed according to criteria of prudence and minimizing the financial risks associated with plan assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The investment policy consists of investing in a low risk and diversified portfolio of assets with maturities consistent with the term of the benefit obligation and which, together with contributions made to the plan, will be sufficient to meet benefit payments when due, thus mitigating the plans&#8216; risks.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-150</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i0475ffc6c4e94b7abbd4a85180a2982b" continuedAt="id14c96150dd54064bf725ac826b3858a"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In those countries where plan assets are held in pension funds or trusts, the investment policy is developed consistently with local regulation. When selecting specific assets, current market conditions, the risk profile of the assets and their future market outlook are all taken into consideration. In all the cases, the selection of assets takes into consideration the term of the benefit obligations as well as short-term liquidity requirements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The risks associated with these commitments are those which give rise to a deficit in the plan assets. A deficit could arise from factors such as a fall in the market value of plan assets, an increase in long-term interest rates leading to a decrease in the fair value of fixed income securities, or a deterioration of the economy resulting in more write-downs and credit rating downgrades.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:PlanAssetsBreakdownTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90ZXh0cmVnaW9uOmM2M2NkOTRiNjBkNTQxM2Q5NzJkZDEyZWQ3MTU2MmJlXzY1_65d27950-fff3-484d-a083-3cc860cf245f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below shows the allocation of plan assets of the main companies of the BBVA Group as of December 31, 2022, 2021 and 2020:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:48.514%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.696%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Plan assets breakdown (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash or cash equivalents</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i10b0d3a5aa0348a29c91e34ac4810e6f_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzItMS0xLTEtMTIxNDMyMA_a449ded3-2aac-4be1-abb5-4f4da844bd34">169</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i39b30ad0b56d43f1aecc2d033ca9784f_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzItMi0xLTEtMTIxNDMyMA_68e6d158-5011-401a-97eb-03f12ac87f00">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied4a428c4e124ed19f315d3d96d1e4fb_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzItMy0xLTEtMTIxNDMyMA_286ad5ce-7629-43d4-a293-4865289a0142">38</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities (government bonds)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i48e83b6b4f0d4aa4bd3c4e0b9be1df74_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzMtMS0xLTEtMTIxNDMyMA_19705caa-d916-402e-ae9b-e5aaef81ffd7">2,270</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i417da955d2d84d95b7a9713b7684425f_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzMtMi0xLTEtMTIxNDMyMA_e27c7e79-e53d-478f-a61f-8923da84c685">2,394</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b8f2ac7d0a24165ac8eed9863bc19cf_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzMtMy0xLTEtMTIxNDMyMA_f2962ce8-671c-44aa-adeb-af24624ff9c1">2,707</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mutual funds</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21b15f589a2d4bcdae58059000f752fb_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzQtMS0xLTEtMTIxNDMyMA_4679e166-ff5d-4bc0-a795-c015934131b1">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59aa951ec3ec48cbbfa029e4e40791e5_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzQtMi0xLTEtMTIxNDMyMA_bf3e9528-d4b6-47f6-855a-ef91bdca3b84">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i186f2b1d859e44adb6d9c147754c7210_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzQtMy0xLTEtMTIxNDMyMA_1cbc33a7-576f-4c9c-9b21-a37411b8694f">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2aec5198b8b14f40b2bde1e9197fb781_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzUtMS0xLTEtMTIxNDMyMA_57a6c798-8055-44eb-b75b-0de7131c2576">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c8fdc8bd5a84beabf2a72da47980838_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzUtMi0xLTEtMTIxNDMyMA_8536d39f-5f6a-4820-b351-6ae1cc546ab6">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib978f2cb102348aeac0baf1f0cd9ac55_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzUtMy0xLTEtMTIxNDMyMA_f54bf941-6bd0-4f35-81b7-b6591f5bb90a">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Structured debt</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5acfb27f73eb4b969269c920c2a37d8e_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzYtMS0xLTEtMTIxNDMyMA_b3406755-dfca-43be-a149-7db5e735b30c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if28078114ba342fdba2df528d246d4dc_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzYtMi0xLTEtMTIxNDMyMA_ce166e37-ff95-432f-a7cb-117e913e1925">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i34795210f9b14f90b80cf3c2d5f94315_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzYtMy0xLTEtMTIxNDMyMA_a46ca0e9-dd08-4f10-8f18-c225cef30408">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contracts</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7197c60eba864d54b269ff43568ea08e_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzctMS0xLTEtMTIxNDMyMA_99257a67-2437-492b-a310-0d0302a763b7">183</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i11e8385bad5c4eec9c7eaf75fc9f59ba_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzctMi0xLTEtMTIxNDMyMA_edb005ca-b18f-4758-8fd2-5f5e7c119b7b">148</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4888e132b4504642b0f47439ea2de182_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzctMy0xLTEtMTIxNDMyMA_758efcbe-8d51-4f06-978d-5be24097a131">140</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i348368be3e3d41488e710a86318f6049_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzgtMS0xLTEtMTIxNDMyMA_77e31cf0-f5dc-4af6-b53e-c8be6729e155">2,622</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4007f886325b4938aef986de11ad1cb8_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzgtMi0xLTEtMTIxNDMyMA_04d894d2-8326-45e8-bc17-c7398ea856e2">2,566</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i604884986cb147919845bc664dbd4408_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzgtMy0xLTEtMTIxNDMyMA_70e77edc-f3e7-428e-918d-05206ff0f61e">2,887</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Bank account in BBVA</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b63a9f20e404df1a740c43e01b2897c_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzktMS0xLTEtMTIxNDMyMA_03e63a64-e137-4347-9eee-3f2bfbf9fd0b">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i22cdb594605a4794bd7c916fd2db3b06_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzktMi0xLTEtMTIxNDMyMA_5c76cf64-668d-4b3c-8649-6b2635c1d6c0">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2e4f4f7d4dfc467c809ebe0239c0bd43_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzktMy0xLTEtMTIxNDMyMA_b85eeca5-82b4-478e-a737-45741be4c91c">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Debt securities issued by BBVA</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6aae081baf9845d597db257555a78c1f_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzEwLTEtMS0xLTEyMTQzMjA_807cc72b-9ee3-425e-95c1-6c79e26cc096">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib1c772e1fe4c4e09a934e189b35982e2_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzEwLTItMS0xLTEyMTQzMjA_5e216e84-29ef-4c9d-b3bd-3d3fd26f204a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8f0212b4bd924397afc0e0de801acdc2_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzEwLTMtMS0xLTEyMTQzMjA_019d5310-302c-4a1a-9514-9fe7da99e4d5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Property occupied by BBVA</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i47c26a5468cf4497bee8a3eb634e3e39_I20221231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzExLTEtMS0xLTEyMTQzMjA_100f3374-afd1-4516-8e12-1252cb733d23">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1184668f70da4091bcf49d2d9ea13495_I20211231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzExLTItMS0xLTEyMTQzMjA_eb30efaf-dc8a-46fe-971f-391db03640a2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d31a47c84aa493195faf264caa8d2e3_I20201231" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTo0MTRiZGQ1NzY1MTY0M2EzOGNmOWUzNDQyMDZhZTQzYS90YWJsZXJhbmdlOjQxNGJkZDU3NjUxNjQzYTM4Y2Y5ZTM0NDIwNmFlNDNhXzExLTMtMS0xLTEyMTQzMjA_244f6368-a989-447f-9412-90fb0bad5736">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the above there are plan assets relating to the previously mentioned insurance contracts in Spain and the foundation in Turkey.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:InvestmentsInListedMarketsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90ZXh0cmVnaW9uOmM2M2NkOTRiNjBkNTQxM2Q5NzJkZDEyZWQ3MTU2MmJlXzY2_a7f52632-dfd0-4028-a1bd-1cf6666fd226" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table provides details of investments in listed securities (Level 1) as of December 31, 2022, 2021 and 2020:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:38.345%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.087%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Investments in listed markets (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash or cash equivalents</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia39585bf4dfb43bd93210f2c12b08197_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzItMS0xLTEtNzE0Nzc0_bb42d97a-191d-42af-9771-009428238b2e">169</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45dfee955fad4870863b98b02ddcfc04_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzItMi0xLTEtNzE0Nzc0_bef81bc2-0f0d-4b78-847b-81af11a5573f">24</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i78d7b5ce60894be1ac491c352974d7b3_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzItMy0xLTEtNzE0Nzc0_c3fcdd8b-afa2-462c-8882-31ba52d3ef99">38</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities (Government bonds)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i625f3e7f50834d90a078a69950d5836d_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzMtMS0xLTEtNzE0Nzc0_0913211f-b30e-4d1d-8a7e-c12ad82f68e5">2,270</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad2dd25f945847d0a445178a8f788646_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzMtMi0xLTEtNzE0Nzc0_023783bb-e2c3-4314-97f7-fe6bbaa09bdb">2,394</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i41b2e5344a9e47819a74e233dd659a72_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzMtMy0xLTEtNzE0Nzc0_aaf622e7-b595-40fc-b828-4e4eb3572279">2,707</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mutual funds</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i91972c9bbf8340c5a3ae360c934a1c2e_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzQtMS0xLTEtNzE0Nzc0_09c7fc1a-45e5-4c1f-8f5d-bef7d0b25115">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09df3ee37b024e98835f6b2322643bee_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzQtMi0xLTEtNzE0Nzc0_5d00d214-d242-4aaf-b8cb-2f5186c30314">1</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic6673edf36c0409d81359c8f19b6dba6_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzQtMy0xLTEtNzE0Nzc0_898b21d5-c037-4e86-848e-2170be681d04">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a6487497977494da39b0dd078d0bed4_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzUtMS0xLTEtNzE0Nzc0_554b612f-b493-43b4-8711-af9fe642d2f1">2,439</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie24630924a4c40448e46f820b25e16e1_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzUtMi0xLTEtNzE0Nzc0_e5ea320d-20da-4020-90d6-fe14c4a98eca">2,418</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i80d8afc8b84644d98b6fadc2c180ac3e_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzUtMy0xLTEtNzE0Nzc0_65da2a93-981e-4ff6-8b5f-f701c4ace6ac">2,747</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Bank account in BBVA</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if5822e4120fe480695929444d1fdef4f_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzctMS0xLTEtNzE0Nzc0_5260af8f-1217-436b-9d4a-a415085d2725">7</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie1107b61f39e4fc7bfdc1844f8ef5116_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzctMi0xLTEtNzE0Nzc0_a4b61db4-6796-4449-873e-130d54491e06">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id9680d139a3d48e5ad75a4bb72955af3_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzctMy0xLTEtNzE0Nzc0_4f4f3259-0c8b-4669-a456-bf5bfeb8e358">4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Debt securities issued by BBVA</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4509919494e04c9687a8e083b2cfdd83_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzgtMS0xLTEtNzE0Nzc0_9e8d8c65-bcec-4e3c-a078-ef95879d7c42">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd72f36407aa4790af9c1d7c92cc9cab_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzgtMi0xLTEtNzE0Nzc0_0be66b7a-ca60-41e9-8ac6-ffc0da90f823">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib7d4cc71feb240c4a627bc95bde1e1bc_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzgtMy0xLTEtNzE0Nzc0_f1ae96d3-180f-4205-83c4-cdc097bdffb0">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Property occupied by BBVA</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8b3df18a940845a8a182fd157cc44be9_I20221231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzktMS0xLTEtNzE0Nzc0_11539da9-7987-474c-8e44-7ca1c0e52532">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia67ed2c899e34c3facbb33e95c7694e2_I20211231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzktMi0xLTEtNzE0Nzc0_1431577a-b565-481b-b128-3ebf3360c085">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i56e78f97705d4e85aa82fff374470a7b_I20201231" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MjgvZnJhZzpjNjNjZDk0YjYwZDU0MTNkOTcyZGQxMmVkNzE1NjJiZS90YWJsZTpkNDhmNjg5NzZhYTI0ODBkYmRlZWRlZDJiZWY4ZTVkZS90YWJsZXJhbmdlOmQ0OGY2ODk3NmFhMjQ4MGRiZGVlZGVkMmJlZjhlNWRlXzktMy0xLTEtNzE0Nzc0_ed3d91f2-70ef-43e7-822b-0b7018e282bb">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The remainder of the assets are mainly invested in Level 2 assets in in accordance with the classification established under IFRS 13 (mainly insurance contracts). As of December 31, 2022, almost all of the assets related to employee commitments corresponded to fixed income securities.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_931"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">25.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="id14c96150dd54064bf725ac826b3858a" continuedAt="ib874546fa07549bc932c0f1cf674df2f">Defined contribution plans</ix:continuation></span></div><ix:continuation id="ib874546fa07549bc932c0f1cf674df2f"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Certain Group entities sponsor defined contribution plans. Some of these plans allow employees to make contributions which are then matched by the employer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Contributions are recognized as and when they are accrued, with a charge to the consolidated income statement in the corresponding year. No liability is therefore recognized in the consolidated balance sheet (see Note 44.1).</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_934"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">26.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfCommonStockTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85MzQvZnJhZzpmZWUzMGQ2Y2ZlOTc0NGYxYWI0NThlNjVmOTJjZWJmYS90ZXh0cmVnaW9uOmZlZTMwZDZjZmU5NzQ0ZjFhYjQ1OGU2NWY5MmNlYmZhXzU_6bdffb13-0e01-43a3-b250-6d7a5abbef6b" continuedAt="i8d623898b66c498ab04be5cf6b4c5f4b" escape="true">Common stock</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_937"></div><ix:continuation id="i8d623898b66c498ab04be5cf6b4c5f4b" continuedAt="ic126e345c7bc40ca897f06f4ac00550e"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022 BBVA&#8217;s share capital amounted to &#8364;2,954,757,116.36 divided into 6,030,116,564 shares, while as of each of December 31, 2021 and 2020 BBVA&#8217;s share capital amounted to &#8364;3,267,264,424.20 divided into 6,667,886,580 shares. The decrease was the result of the partial executions of the share capital reduction resolution adopted by the Ordinary General Shareholders' Meeting of BBVA held on March 18, 2022, under item seven of its agenda, which were notified by means of Other Relevant Information on June 15, 2022 and on September 30, 2022 (see Note 4).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the shares were fully subscribed and paid-up registered, all of the same class and series, at &#8364;0.49 par value each, represented through book-entry accounts. All of the Bank&#180;s shares carry the same voting and dividend rights, and no single stockholder enjoys special voting rights. Each and every share is part of the Bank&#8217;s capital.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-151</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ic126e345c7bc40ca897f06f4ac00550e" continuedAt="ib25d516293dc42729dedde0dfcaa9fbb"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Bank&#8217;s shares are traded on the stock markets of Madrid, Barcelona, Bilbao and Valencia through the S</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">istema de Interconexi&#243;n Burs&#225;til Espa&#241;ol</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Mercado Continuo</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">), as well as on the London and Mexico stock markets. BBVA American Depositary Shares (ADSs) traded on the New York Stock Exchange under the ticker &#8220;BBVA&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, as of December 31, 2022, the shares of Banco BBVA Peru, S.A., BBVA Banco Provincial, S.A., Banco BBVA Colombia, S.A., Banco BBVA Argentina, S.A., and Garanti BBVA A.S., were listed on their respective local stock markets. Banco BBVA Argentina, S.A. was also quoted in the Latin American market (Latibex) of the Madrid Stock Exchange and the New York Stock Exchange. Also, the Depositary Receipts (&#8220;DR&#8221;) of Garanti BBVA, A.S. are listed in the London Stock Exchange. BBVA is also currently included, amongst other indexes, in the IBEX 35&#174; Index, which is made up by the 35 most liquid securities traded on the Spanish Market and, technically, it is a price index that is weighted by capitalization and adjusted according to the free float of each company comprised in the index.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, State Street Bank and Trust Co., The Bank of New York Mellon SA NV and Chase Nominees Ltd in their capacity as international custodian/depositary banks, held 14.88%, 2.12%, and 6.84% of BBVA common stock, respectively. Of said positions held by the custodian banks, BBVA is not aware of any individual shareholders with direct or indirect holdings greater than or equal to 3% of BBVA common stock outstanding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On February 24, 2023, BlackRock, Inc. reported to the SEC that it beneficially owned 7.4% of BBVA&#8217;s common stock.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_940"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="ib25d516293dc42729dedde0dfcaa9fbb" continuedAt="i19bc736405fe473287990bf6472427b4">BBVA is not aware of any direct or indirect interests through which control of the Bank may be exercised. Furthermore, BBVA has not received any information on stockholder agreements including the regulation of the exercise of voting rights at its annual general meetings or restricting or placing conditions on the free transferability of BBVA shares. No agreement is known to BBVA that could give rise to changes in the control of the Bank.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_943"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i19bc736405fe473287990bf6472427b4" continuedAt="i7dc6cf0522de44e9b017e4315871f3c8">BBVA banking subsidiaries, associates and joint ventures worldwide, are subject to supervision and regulation from a variety of regulatory bodies in relation to, among other aspects, the satisfaction of minimum capital requirements. The obligation to satisfy such capital requirements may affect the ability of such entities to transfer funds in the form of cash dividends, loans or advances. In addition, under the laws of the various jurisdictions where such entities are incorporated, dividends may only be paid out through funds legally available for such purpose. Even when the minimum capital requirements are met and funds are legally available, the relevant regulators or other public administrations could discourage or delay the transfer of funds to the Group in the form of cash, dividends, loans or advances for prudential reasons.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_946"></div><ix:continuation id="i7dc6cf0522de44e9b017e4315871f3c8" continuedAt="i09c3bf268a13452b8923d77e476bac0c"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Resolutions adopted by the Annual General Meeting </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Capital increase</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's Annual General Shareholders' Meeting held on March 18, 2022 resolved, under agenda item four, to confer authority on the Board of Directors of BBVA to increase BBVA's share capital, on one or several occasions, within the legal term of five years to be counted as from the date on which this resolution was adopted, up to the maximum amount corresponding to 50% of BBVA's share capital at the time of this authorization. Likewise, the Annual General Shareholders' Meeting resolved to confer on the Board of Directors authority to totally or partially exclude shareholders' pre-emptive subscription rights within the framework of a specific issue of shares that may be made thereunder.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">However, the power to exclude pre-emptive subscription rights was limited, such that the nominal amount of any share capital increases resolved or effectively carried out with the exclusion of pre-emptive subscription rights in use of this authority and those that may be resolved or carried out to cover the conversion of convertible issuances that may equally be made with the exclusion of pre-emptive subscription rights in use of the authority delegated to issue securities convertible into new BBVA shares (other than contingently convertible securities, envisaged to meet regulatory requirements for their eligibility as capital instruments (CoCos)) as resolved by BBVA's Annual General Shareholders' Meeting held on March 18, 2022 under agenda item five (without prejudice to anti-dilution adjustments), may not exceed the nominal maximum overall amount of 10% of BBVA's share capital at the time of this authorization. This authority repealed the authority conferred by the Annual General Meeting of Shareholders held on March 17, 2017 under its agenda item four, which BBVA did not use. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of the date of this document, the Bank has not exercised the authority conferred by the General Shareholders' Meeting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Capital Decrease</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's Annual General Shareholders' Meeting held on March 18, 2022 resolved, under agenda item seven, to approve the share capital reduction of BBVA by up to a maximum amount of 10% of the share capital on the date of this resolution, through the redemption of own shares acquired derivatively by BBVA, both those acquired by virtue of the authorization granted by the BBVA General Shareholders' Meeting held on March 16, 2018 under item three of the agenda, and those that may be acquired by virtue of the authorization granted by the General Shareholders' Meeting held on March 18, 2022 under item six of the agenda, through any mechanism whose objective or purpose is redemption. The implementation period of this resolution will end on the date of the next Annual General Shareholders' Meeting, being rendered null and void from that date in respect of the amount not executed. The Annual General Shareholders' Meeting conferred authority on the Board of Directors of BBVA, with sub-delegation powers, to totally or partially execute the aforementioned share capital reduction, on one or more occasions, repealing the resolution adopted by the Annual General Shareholders' Meeting held on April 20, 2021 under agenda item six, which BBVA did not use.  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Within the framework of the share buyback program (see Note 4), BBVA has executed the following share capital reductions during the financial year 2022: </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-152</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i09c3bf268a13452b8923d77e476bac0c"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">On June 15, 2022, BBVA notified the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on 18 March 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Tranche of the share buyback program Scheme and which were held as treasury shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">On September 30, 2022, BBVA notified through Other Relevant Information an additional partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on 18 March 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Segment and Second Segment of the Second Tranche of the share buyback program Scheme and which were held as treasury shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Convertible and/or exchangeable securities:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Note 22.4 introduces the details of the convertible and/or exchangeable securities.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_949"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">27.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfSharePremiumTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NDkvZnJhZzozNzMzMjkxNTY3NzE0MTY1OTZmZTk1ZjliNWU3ZmRlYi90ZXh0cmVnaW9uOjM3MzMyOTE1Njc3MTQxNjU5NmZlOTVmOWI1ZTdmZGViXzI4_f3bffb7a-4617-4ae9-82e4-343ffa869f08" continuedAt="iaa1885a957f249c493e8577d033dcbc3" escape="true">Share premium</ix:nonNumeric></span></div><ix:continuation id="iaa1885a957f249c493e8577d033dcbc3"><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As of December 31, 2022, the balance under this heading in the consolidated balance sheets was &#8364;<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NDkvZnJhZzozNzMzMjkxNTY3NzE0MTY1OTZmZTk1ZjliNWU3ZmRlYi90ZXh0cmVnaW9uOjM3MzMyOTE1Njc3MTQxNjU5NmZlOTVmOWI1ZTdmZGViXzM4NDgyOTA2OTcyNjY_abc44dc5-01b2-4614-9eed-854288b52d0f">20,856</ix:nonFraction> million. As of December 31, 2021 and 2020, the balance under this heading was &#8364;<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NDkvZnJhZzozNzMzMjkxNTY3NzE0MTY1OTZmZTk1ZjliNWU3ZmRlYi90ZXh0cmVnaW9uOjM3MzMyOTE1Njc3MTQxNjU5NmZlOTVmOWI1ZTdmZGViXzM4NDgyOTA2OTcyODg_a05a542e-3540-4afc-b5a1-b4bae83a60d7">23,599</ix:nonFraction> and &#8364;<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NDkvZnJhZzozNzMzMjkxNTY3NzE0MTY1OTZmZTk1ZjliNWU3ZmRlYi90ZXh0cmVnaW9uOjM3MzMyOTE1Njc3MTQxNjU5NmZlOTVmOWI1ZTdmZGViXzM4NDgyOTA2OTcyOTU_e3deb857-479b-4f6f-927f-40f3682aa33b">23,992</ix:nonFraction> million, respectively (see Note 4). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amended Spanish Corporation Act expressly permits the use of the share premium balance to increase capital and establishes no specific restrictions as to its use (see Note 26).</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_952"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">28.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfRetainedEarningsAndOtherReservesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTIvZnJhZzoxYmFkZGE1OTVlMDM0NTZjODNjZGM0OGQ5NTgyZTYwNC90ZXh0cmVnaW9uOjFiYWRkYTU5NWUwMzQ1NmM4M2NkYzQ4ZDk1ODJlNjA0Xzc_969f45b8-b67f-4bb5-a762-7d01755c0b71" continuedAt="i6e506082d409452fa46b84ba4ca6ff02" escape="true">Retained earnings, revaluation reserves and other reserves </ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_955"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">28.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i6e506082d409452fa46b84ba4ca6ff02" continuedAt="i1705cdf1d69b462685623644047e604b">Breakdown of the balance </ix:continuation></span></div><ix:continuation id="i1705cdf1d69b462685623644047e604b" continuedAt="i651bdc8bfcf8422389bf47b7185ddc1d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:RetainedEarningsAndOtherReservesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90ZXh0cmVnaW9uOmI2Zjc4YTk4MWM4MDRmODI5NGFlZjgzNjAzNzU2M2Y1XzE0Mw_023f4a44-6653-4cb1-9c60-7f86d2ec4b4f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:64.539%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.685%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.150%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Legal reserve</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:StatutoryReserve" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzItMi0xLTEtNzE0Nzc0_dea764b1-0bbd-44bd-9235-a75eda161d33">591</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:StatutoryReserve" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzItMy0xLTEtNzE0Nzc0_afbd93e8-26cf-40e6-b641-0f96b832ee23">653</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:StatutoryReserve" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzItNC0xLTEtNzE0Nzc0_bd5a25b4-0d09-4fb1-93ef-ad2c5ed02f40">653</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restricted reserve </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:RestrictedReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzMtMi0xLTEtNzE0Nzc0_6ac59932-a957-4292-8e7b-2466e076514b">482</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:RestrictedReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzMtMy0xLTEtNzE0Nzc0_3f27580a-a27d-437d-98d0-212150d3a6e6">761</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:RestrictedReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzMtNC0xLTEtNzE0Nzc0_fc006553-a0a4-4c69-b025-363a445e5d78">120</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Voluntary reserves</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:VoluntaryReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzUtMi0xLTEtNzE0Nzc0_278722df-9175-47fb-88d6-478d948e02ab">3,906</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:VoluntaryReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzUtMy0xLTEtNzE0Nzc0_8d290798-7d16-43d9-8830-d461f4cdde14">3,994</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:VoluntaryReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzUtNC0xLTEtNzE0Nzc0_3fc95bd1-603c-4000-84f1-52d94bc25e89">8,117</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total reserves holding company</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalReservesHoldingCompany" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzYtMi0xLTEtNzE0Nzc0_399f0904-3972-4ff3-ae63-e71dedf9d72a">4,979</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalReservesHoldingCompany" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzYtMy0xLTEtNzE0Nzc0_9c9b3937-a33c-4e94-9840-841347e51895">5,409</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalReservesHoldingCompany" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzYtNC0xLTEtNzE0Nzc0_472266e9-f0dd-4e68-a1f3-68bbbd7824e5">8,890</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consolidation reserves attributed to the Bank and subsidiary consolidated companies</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzctMi0xLTEtNzE0Nzc0_7ea95130-29fc-422b-a0ee-76eeaedce2a0">29,902</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzctMy0xLTEtNzE0Nzc0_0efe2913-c9c4-499e-bf5e-347d69da6f48">24,575</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzctNC0xLTEtNzE0Nzc0_fc1fa2a2-23a7-4325-b72a-fe744c3976d3">21,454</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzgtMi0xLTEtNzE0Nzc0_8fea4e4b-5b1e-46a6-b25d-b2982816f361">34,881</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzgtMy0xLTEtNzE0Nzc0_b85c79cb-486c-430a-8557-5c60b7e61967">29,984</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90YWJsZTpjNWE2MjU3NDYxYWQ0MjljYmZjNWU5YzZiZTcyYjdiMy90YWJsZXJhbmdlOmM1YTYyNTc0NjFhZDQyOWNiZmM1ZTljNmJlNzJiN2IzXzgtNC0xLTEtNzE0Nzc0_69ec74a6-c94b-433f-8a21-6583da8416c1">30,344</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:112%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NTUvZnJhZzpiNmY3OGE5ODFjODA0ZjgyOTRhZWY4MzYwMzc1NjNmNS90ZXh0cmVnaW9uOmI2Zjc4YTk4MWM4MDRmODI5NGFlZjgzNjAzNzU2M2Y1XzU3NzI0MzYwNDU4OTQz_856a77cf-c9dd-4ea4-94a6-8690fec36a65" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation in 2021 is mainly due to the allocation of earnings of BBVA, S.A. and the share buyback program (see Note 4).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_958"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">28.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i651bdc8bfcf8422389bf47b7185ddc1d" continuedAt="i539d6c092a254d559c448962c3c0f4c4">Legal reserve </ix:continuation></span></div><ix:continuation id="i539d6c092a254d559c448962c3c0f4c4" continuedAt="ib9de2a6ae65c44bc821d2403ef632378"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Under the amended Spanish Corporations Act, 10% of any profit made each year must be transferred to the legal reserve. The transfer must be made until the legal reserve reaches 20% of the common stock.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The legal reserve can be used to increase the common stock provided that the remaining reserve balance does not fall below 10% of the increased capital. While it does not exceed 20% of the common stock, it can only be allocated to offset losses exclusively in the case that there are not sufficient reserves available.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_961"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">28.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:16.55pt"><ix:continuation id="ib9de2a6ae65c44bc821d2403ef632378" continuedAt="i6d959d1bfd51465f8959ef1543215237">Restricted reserves </ix:continuation></span></div><ix:continuation id="i6d959d1bfd51465f8959ef1543215237" continuedAt="i6c736d8af35740dea3e5e35ea295e5f7"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:RestrictedReservesBreakdownByConceptsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90ZXh0cmVnaW9uOjkyYzI2NTQwNWVmODQ0MWNhNDU5OWU4MjQxNDAzNzRlXzExNw_c04a9e6b-2ed3-4af3-8bf3-54c4196bb0fd" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the Bank&#8217;s restricted reserves are as follows:</span></div><div style="margin-bottom:2pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:57.759%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.613%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.613%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.615%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Restricted reserves. Breakdown by concepts (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restricted reserve for retired capital </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:RestrictedReserveForRetiredCapital" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzItMi0xLTEtNzE0Nzc0_aafe6263-c21b-4c5f-af92-ffbe23519c64">400</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:RestrictedReserveForRetiredCapital" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzItMy0xLTEtNzE0Nzc0_9468ad69-f882-4339-b647-1c830433a455">88</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:RestrictedReserveForRetiredCapital" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzItNC0xLTEtNzE0Nzc0_25a58ddd-c66f-4903-a8db-da732df77dc7">88</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restricted reserve for Parent Company shares and loans for those shares</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzMtMi0xLTEtNzE0Nzc0_e379d845-8777-4f72-94a7-9c2bd0cc830a">80</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzMtMy0xLTEtNzE0Nzc0_3d82f6b4-490d-4fc0-8973-83f8e631f76f">672</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzMtNC0xLTEtNzE0Nzc0_ac00416b-e899-4241-be65-e8cd1033fa04">30</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restricted reserve for redenomination of capital in euros</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:RestrictedReserveForRedenominationOfCapitalInEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzQtMi0xLTEtNzE0Nzc0_437d280b-55c2-496d-b8b6-97161de28a0b">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:RestrictedReserveForRedenominationOfCapitalInEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzQtMy0xLTEtNzE0Nzc0_f626bde5-9b16-4810-8cb3-4cebe3fe42ee">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:RestrictedReserveForRedenominationOfCapitalInEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzQtNC0xLTEtNzE0Nzc0_504e9c31-e748-4f3c-9159-3470b5b8b228">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalRestrictedReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzUtMi0xLTEtNzE0Nzc0_34610d90-f6d5-4567-9375-a112d9894bbc">482</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalRestrictedReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzUtMy0xLTEtNzE0Nzc0_f98bdbbd-a384-448a-8779-f2d8dd0630df">761</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalRestrictedReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90YWJsZTo4MjkwYzc3ZjMwYzU0YzI4Yjg5ZDVjZGVjZGRjOTIzMC90YWJsZXJhbmdlOjgyOTBjNzdmMzBjNTRjMjhiODlkNWNkZWNkZGM5MjMwXzUtNC0xLTEtNzE0Nzc0_3843021f-3eaf-4974-b265-ef6f6c442c73">120</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90ZXh0cmVnaW9uOjkyYzI2NTQwNWVmODQ0MWNhNDU5OWU4MjQxNDAzNzRlXzU3MTc0NjA0NjQ1NDU5_2d2a8480-269d-4dbc-ac91-e6e64249980c" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The change in 2022 is a consequence of the partial executions of the capital reduction resolution adopted by BBVA's General Shareholders' Meeting held on March 18, 2022 (see Note 26).</ix:footnote></span></div><div style="margin-bottom:10pt;margin-top:2pt;padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjEvZnJhZzo5MmMyNjU0MDVlZjg0NDFjYTQ1OTllODI0MTQwMzc0ZS90ZXh0cmVnaW9uOjkyYzI2NTQwNWVmODQ0MWNhNDU5OWU4MjQxNDAzNzRlXzU3NzI0MzYwNDU4NzQ2_218ef79a-077b-4dec-babe-2aee2fe7e48c" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) The balance of 2021 is mainly due to the share buyback program (see Note 4).</ix:footnote></span></div></ix:nonNumeric><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Until 2021, the restricted reserve for retired capital resulted from the reduction of the nominal par value of the BBVA shares made in April 2000. In 2022, this account includes the reserve corresponding to the share capital reductions carried out in 2022. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-153</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i6c736d8af35740dea3e5e35ea295e5f7" continuedAt="ie642bfd062c7441d9e07d86da62c7591"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The second heading corresponds to restricted reserves related to the amount of shares issued by the Bank in its possession at each date, as well as the amount of customer loans outstanding at those dates that were granted for the purchase of, or are secured by, the parent company shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, pursuant to Law 46/1998 on the Introduction of the Euro, a restricted reserve is recognized as a result of the rounding effect of the redenomination of the parent company common stock in euros.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_964"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">28.4</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="ie642bfd062c7441d9e07d86da62c7591" continuedAt="ic44543076f3e431e8075ae73c6cbfc64">Retained earnings, Revaluation reserves and Other reserves by entity</ix:continuation></span></div><ix:continuation id="ic44543076f3e431e8075ae73c6cbfc64" continuedAt="i1c0eec2ecb58488c85d83c23b5bc10f5"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90ZXh0cmVnaW9uOjQ5NGEwMzc1MTdkNTQzMWZhMjA0NTQzYTk0YjY0NDI0XzI3MA_c6e66e81-75f9-414f-b0c6-7045baed80ff" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown, by company or corporate group, under the headings &#8220;Retained earnings&#8221;, &#8220;Revaluation reserves&#8221; and &#8220;other reserves&#8221; in the consolidated balance sheets is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:55.910%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.229%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retained earnings, revaluation reserves and other reserves. Breakdown by company or corporate group (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retained earnings (losses), revaluation reserves and other reserves</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Holding Company </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd1dc859a6844538a98ad1315cd894bb_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMtMi0xLTEtNzE0Nzc0_59bb8da4-e46b-4123-8c21-54f3abb97db1">14,003</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0bb9caa20d4d4b3da02dea5bb263b521_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMtMy0xLTEtNzE0Nzc0_c2498741-9147-4c0d-b388-f743542e9a52">12,467</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia346d08c19554242ac08b399a112567b_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMtNC0xLTEtNzE0Nzc0_a0afdb6e-f753-42b8-a63d-53e918a1a44d">15,014</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Mexico Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic999eb88b83f454c8dcf375368b7db8f_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzQtMi0xLTEtNzE0Nzc0_4173b0e0-4a32-45fa-ace1-fe6f9fc84513">13,839</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c4fb338255746bbba6ae41c54fd9deb_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzQtMy0xLTEtNzE0Nzc0_d9a1687f-6fc2-41c2-b94b-8713c6dee000">13,894</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc2dcc3fde044ad181135fcc0103fe8d_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzQtNC0xLTEtNzE0Nzc0_260d6878-9ea0-41fd-9082-04c9f7699aa0">12,890</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Garanti BBVA Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iaad90529345f47e6ac105ad084d74a51_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzUtMi0xLTEtNzE0Nzc0_95ec61c2-11e3-418d-a66c-952239b81c3f">5,710</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b59124d69ca40118d243df28f7f3874_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzUtMy0xLTEtNzE0Nzc0_f764ba33-a131-4ea7-8001-6b444211b11b">3,043</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if057396a2b3e4d3e816c5ad2bc0e7618_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzUtNC0xLTEtNzE0Nzc0_26e9c4f0-0451-4b72-a8db-2cfc9020b80b">2,509</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Provincial Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9213b61cbb08499b87f530ef9688ecd3_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzYtMi0xLTEtNzE0Nzc0_e9ebc100-ac66-42fa-8350-073e48acb7fb">1,720</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc1e8292d3514d9a83ffd4cb69bb9819_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzYtMy0xLTEtNzE0Nzc0_325c9b05-6c40-4a74-8ed7-f63eb8f2b87a">1,721</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id884ca623e17413ba0c69dbbdecba361_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzYtNC0xLTEtNzE0Nzc0_e8d28822-03bb-4d73-aa0e-e6057c8834cc">1,731</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Argentina Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i69fdcbf0ebed4baf943c4141817de215_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzctMi0xLTEtNzE0Nzc0_ec7a1464-a876-45ff-ab2e-eedfc8a0cfa7">1,456</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66edee99fea64bf3b044bab5c2b67d59_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzctMy0xLTEtNzE0Nzc0_ff7d8d5d-b9b0-42c0-83d0-6fbfdffc99fc">1,423</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61b21f0bdbe74313803d420fb45e0107_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzctNC0xLTEtNzE0Nzc0_d1f0cf51-1cd2-4aa3-ad50-4bcafbf7fbd8">1,302</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Colombia Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6219e78029a941eb914a6e8e0d17750c_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzgtMi0xLTEtNzE0Nzc0_d2074408-53bb-4d4a-be05-ef9f68badf09">1,510</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15ecaf280d1c4a31a9e07f0497036742_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzgtMy0xLTEtNzE0Nzc0_c344d949-5415-4f87-aef4-29e82be72748">1,393</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5b478677c3594bcd9f8641789ab0b25b_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzgtNC0xLTEtNzE0Nzc0_86b8b856-838f-444e-a294-39beb29dac0e">1,287</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Peru Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12e107bc50474409987d5c1be791f822_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzktMi0xLTEtNzE0Nzc0_08011d9d-f3fd-4c9a-9c36-4ada61b3a431">1,065</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3209cf50dec7431a9c1b56b2637141f7_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzktMy0xLTEtNzE0Nzc0_52e3db08-1003-407a-a01f-f74e1ee3f004">1,031</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7010ac9f31174d2481972fe6f628dfa6_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzktNC0xLTEtNzE0Nzc0_20b093d8-7203-4824-ab68-665065a56f2d">984</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporaci&#243;n General Financiera, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31c1ef022fa24a349e917d46809b4daa_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzEwLTItMS0xLTcxNDc3NA_05a891ee-9f46-4108-848e-ea049323964f">338</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i494c6d0c1d514c52860c09a131d592d5_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzE5LTQtMS0xLTcxNDc3NA_5a73f9ee-3d05-45fc-935d-cf33b35a4962">42</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA USA Group</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie0171199d5e84c9a8ac074a147e7d44c_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIwLTItMS0xLTcxNDc3NA_a8113c3d-b38d-4983-bc47-af5311368b3f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5818dc4cf7841e1b57922055d85fdd8_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIwLTMtMS0xLTcxNDc3NA_e6f95a9d-10ca-46db-b31c-cd244dd8db0b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3cb4b973eacb44479596ca50876bb42e_I20201231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIwLTQtMS0xLTcxNDc3NA_2ae0bc4a-3710-4381-bb72-194b238aef1c">1,098</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Anida Grupo Inmobiliario</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idd57e5796ef34561af5e01b177bcdd77_I20221231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIxLTItMS0xLTcxNDc3NA_e0a7d7d2-a458-4baa-b383-b1cfb6bd73cf">525</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i78b0f6e13f74438cba1e569284fb815d_I20211231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIxLTMtMS0xLTcxNDc3NA_d95064e3-6ad3-4599-881c-f891b47e2415">556</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8ec71e020b714348a39e1bf1224327ea_I20201231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIxLTQtMS0xLTcxNDc3NA_dcc3ec62-5f63-4a76-ab3f-423ead5850bf">594</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sociedades inmobiliarias Unnim</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib9e5f405459e415fac90645e87bf7406_I20221231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIyLTItMS0xLTcxNDc3NA_e90ecea8-9061-4d60-85b8-ddbc2b587b85">647</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i118879c6026d460ca190d5610049f33e_I20211231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIyLTMtMS0xLTcxNDc3NA_4ab8c8d5-dee4-4458-bbd5-2594f5b5855c">655</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic5167c3501334066b90c73c82660247c_I20201231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIyLTQtMS0xLTcxNDc3NA_fdab0d86-e82c-434f-a77a-07853a7dfe08">617</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Anida Operaciones Singulares, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i64c16af64a1544e1bfe975b0c6b8825f_I20221231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIzLTItMS0xLTcxNDc3NA_783071a7-e9b3-45a1-8cb8-89339049a442">5,529</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibda33a254be4435b899700c9da51f14b_I20211231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIzLTMtMS0xLTcxNDc3NA_bb48d729-2ed0-419c-9c2d-9e808b60c501">5,512</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i914b57ff15bc41fa8281e76e6d266f30_I20201231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzIzLTQtMS0xLTcxNDc3NA_cb77271b-0ed0-4d60-9fff-babf4b3b7ba7">5,409</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dea39dbbe014d28adb90cf339fc4c23_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI0LTItMS0xLTcxNDc3NA_ae23a541-f29d-4c71-bbb5-226420796ffc">177</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5c43b9e8158945a8af4345aabc2e5689_I20211231" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI0LTMtMS0xLTcxNDc3NA_936141e6-a412-4092-a371-5d55c60eb682">121</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5162532ed0f4455bb0640b6c538ad477_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI0LTQtMS0xLTcxNDc3NA_46c9fb66-cfb2-44b9-a3c8-15ad5aa82857">112</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI1LTItMS0xLTcxNDc3NA_10cf4c30-47b3-4a1a-a633-1bbfaaa88d99">35,102</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI1LTMtMS0xLTcxNDc3NA_bf1b3f6b-fa49-4781-8875-50b280906ff8">30,231</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI1LTQtMS0xLTcxNDc3NA_f3756ac2-4d10-4db7-b833-7cc9ac5734ef">30,508</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other reserves or accumulated losses of investments in joint ventures and associates</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Atom Holdco Limited</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i71e68ef0dc964d4491fcc6fd8969a519_I20221231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI3LTItMS0xLTcxNDc3NA_dbcdc036-71c2-41e2-b6b3-2d9497fea564">169</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5e3e292f2c60404da3b3047affa18a59_I20211231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI3LTMtMS0xLTcxNDc3NA_ea324c87-aabf-42c4-baf0-376eece5acf9">158</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i54c996bd57294f15b5885cf93299c182_I20201231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI3LTQtMS0xLTcxNDc3NA_3797bc03-691a-4a0d-8e11-0d77484ac593">91</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Metrovacesa, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icdc7f957657c4f13bcc7b2397d47bbf7_I20221231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI4LTItMS0xLTcxNDc3NA_bfd5eb1d-e7e3-4699-b258-940be30d0b21">84</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic8988fc8e4c747dcb293659fd0b439b6_I20211231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI4LTMtMS0xLTcxNDc3NA_da3a3972-f22a-44d0-beb1-972bbe01e0de">84</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ie939856b3d854426a1b6a5302c2c9bd2_I20201231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI4LTQtMS0xLTcxNDc3NA_5ce9e3b7-3080-4780-b131-92372b0dee0f">84</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f20baa7e78c46958525531a59542b63_I20221231" decimals="-6" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI5LTItMS0xLTcxNDc3NA_6478503a-ca71-40e7-966b-d40ec80d7096">32</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3aded713aff64ecc88065f29d9f6a15f_I20211231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI5LTMtMS0xLTcxNDc3NA_43daab3e-d6bf-4725-a7a9-2316051157ef">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i518c78f063c94a4d96e88902700ef178_I20201231" decimals="-6" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzI5LTQtMS0xLTcxNDc3NA_166a2dee-6a6e-4f95-b053-d61e8eb035ca">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMwLTItMS0xLTcxNDc3NA_df9fa1ac-4ffe-436c-ae5e-b9f597703f71">221</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMwLTMtMS0xLTcxNDc3NA_1fd51b93-25c7-4842-93a4-e6a728a83350">247</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMwLTQtMS0xLTcxNDc3NA_64f35589-d76c-496a-8ec7-7d576d2879c6">164</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMxLTItMS0xLTcxNDc3NA_961d8898-b005-4138-857b-70b1879e31b4">34,881</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMxLTMtMS0xLTcxNDc3NA_1dce0599-e415-4ca8-99e8-849935973a95">29,984</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90YWJsZTo0ZTMyZTNlYzViZWM0YmZkODc2MDk0NzA4YzE4ZDk3Ni90YWJsZXJhbmdlOjRlMzJlM2VjNWJlYzRiZmQ4NzYwOTQ3MDhjMThkOTc2XzMxLTQtMS0xLTcxNDc3NA_33140400-0027-474c-83dd-0f1d0bda685c">30,344</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjQvZnJhZzo0OTRhMDM3NTE3ZDU0MzFmYTIwNDU0M2E5NGI2NDQyNC90ZXh0cmVnaW9uOjQ5NGEwMzc1MTdkNTQzMWZhMjA0NTQzYTk0YjY0NDI0XzU3NzI0MzYwNDU5NTUy_b75c0f9e-254d-422d-ad73-d2287c17087b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2021 includes the accounting for shares pending from buyback program (see Note 4) and the reclassification of items not subject to reclassification to income statement to by results for "Actuarial gains (losses) in defined benefit pension plans".</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i1c0eec2ecb58488c85d83c23b5bc10f5">For the purpose of allocating the reserves and accumulated losses to the consolidated entities and to the parent company, the transfers of reserves arising from the dividends paid and transactions between these entities are taken into account in the period in which they took place.</ix:continuation> </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-154</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_967"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">29.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfTreasurySharesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90ZXh0cmVnaW9uOjQwZDUwODNmOGRkNDQ2MzA5ZDQ0YmQ2ZTM0OTBjNDdhXzE0MQ_3b3574df-1f66-4a5e-aa1f-a6ff9e1b4bf3" continuedAt="i1e8105da81084a32abfcffacdc56a4ba" escape="true">Treasury shares</ix:nonNumeric></span></div><ix:continuation id="i1e8105da81084a32abfcffacdc56a4ba"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TreasurySharesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90ZXh0cmVnaW9uOjQwZDUwODNmOGRkNDQ2MzA5ZDQ0YmQ2ZTM0OTBjNDdhXzEzNg_52a22414-a9c3-48d4-b68a-21c9a13d37ac" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the years ended December 31, 2022, 2021 and 2020 the Group entities performed the following transactions with shares issued by the Bank:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:29.562%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Treasury shares (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of Shares</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Millions of Euros</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of Shares</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Millions of Euros</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of Shares</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Millions of Euros</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at beginning</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i86f4f7fd9a904bbda0ee220a05964b97_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzMtMS0xLTEtNzE0Nzc0_7b2e85d4-1ed0-4f3e-89ef-ab58ff7ada61">127,633,399</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i86f4f7fd9a904bbda0ee220a05964b97_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzMtMi0xLTEtNzE0Nzc0_cf173dc7-79ca-4c5b-af89-3b50d174305b">647</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iabb5a0beb27442b1bf4f65ddcd106e68_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzMtMy0xLTEtNzE0Nzc0_2edbb65a-9cf4-4b3e-b2e2-57a9e9a889ee">14,352,832</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iabb5a0beb27442b1bf4f65ddcd106e68_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzMtNC0xLTEtNzE0Nzc0_de35f06f-7ce8-42c6-b66f-fe7e0908683b">46</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i5ef852c3b1184785a6b470b5fc05f68c_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzMtNS0xLTEtNzE0Nzc0_4196e4e8-8730-49ae-b390-0998d7075c17">12,617,189</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ef852c3b1184785a6b470b5fc05f68c_I20201231" decimals="0" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzMtNi0xLTEtNzE0Nzc0_318fc20f-01df-4520-af0f-9c4f12cfa44e">62</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;+ Purchases</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="if26e463922a4497f9bb3d158acfd767d_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzQtMS0xLTEtNzE0Nzc0_f78741c4-1787-4812-8c65-816107beeaa7">598,457,024</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if26e463922a4497f9bb3d158acfd767d_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzQtMi0xLTEtNzE0Nzc0_906c8c5b-a3ef-4b2f-a9c5-86b769112b82">2,966</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ic4d5807ca37c46a4861212db666196f8_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzQtMy0xLTEtNzE0Nzc0_c4476855-a85d-4135-8a0d-7541d807de1d">203,530,570</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4d5807ca37c46a4861212db666196f8_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzQtNC0xLTEtNzE0Nzc0_92557402-c6ec-4025-b552-04fedd09ff63">1,022</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i4a59ff4489514da9b548f27bed26dc18_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzQtNS0xLTEtNzE0Nzc0_53ca54ba-25d5-4f60-a298-0f225e218c42">234,691,887</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4a59ff4489514da9b548f27bed26dc18_I20201231" decimals="0" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzQtNi0xLTEtNzE0Nzc0_d8ef3106-49f7-41ec-a194-a1a3a3b8890c">807</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;- Sales and other changes</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="shares" contextRef="i5714222e1c2f475b9e71b51307e176da_I20221231" decimals="0" sign="-" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzUtMS0xLTEtNzE0Nzc0_2bd5f963-9fbb-4b7d-871d-5e7fd5dbda0e">720,605,009</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5714222e1c2f475b9e71b51307e176da_I20221231" decimals="-6" sign="-" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzUtMi0xLTEtNzE0Nzc0_3344104e-f272-498b-a516-450cb47b9d6a">3,583</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="shares" contextRef="i95fd6ed3ca1a4e32ae988bbc3394f880_I20211231" decimals="0" sign="-" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzUtMy0xLTEtNzE0Nzc0_a79ac7b0-1d72-4ae8-b044-e718ebb20702">90,250,003</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i95fd6ed3ca1a4e32ae988bbc3394f880_I20211231" decimals="-6" sign="-" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzUtNC0xLTEtNzE0Nzc0_0792a178-df80-454d-bfc3-ae65d2b21ceb">417</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="shares" contextRef="ia8a9ba357f7e49228d707855a2805b11_I20201231" decimals="0" sign="-" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzUtNS0xLTEtNzE0Nzc0_11db5d94-1729-4dab-8dff-7551ebf09c89">232,956,244</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia8a9ba357f7e49228d707855a2805b11_I20201231" decimals="0" sign="-" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzUtNi0xLTEtNzE0Nzc0_c55d57af-2e17-4a7a-879c-a0a3538d1180">830</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;+/- Derivatives on BBVA shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ia97dd522036c40efbb32644bc3207219_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzYtMS0xLTEtNzE0Nzc0_775d0d6a-2b0f-4af6-8da5-ba31eae78788">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia97dd522036c40efbb32644bc3207219_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzYtMi0xLTEtNzE0Nzc0_e48092a2-0947-49d4-a146-84b0cf701993">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i5891142bb7354cd9917bcd1704b6e1ac_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzYtMy0xLTEtNzE0Nzc0_08c325c6-43b5-42d8-a412-70c7edf14fb2">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5891142bb7354cd9917bcd1704b6e1ac_I20211231" decimals="-6" sign="-" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzYtNC0xLTEtNzE0Nzc0_ad95b6e8-1eaa-49a4-ac7d-f1fd0a8ad212">4</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i497bb079f01f4e54b579f8909df8c02c_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzYtNS0xLTEtNzE0Nzc0_0d179272-97a0-4b6e-9e21-dc58a29014ab">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i497bb079f01f4e54b579f8909df8c02c_I20201231" decimals="0" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzYtNi0xLTEtNzE0Nzc0_4c4115aa-0b53-4c62-a3f2-16129710dacf">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;+/- Other changes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i203faa43e4f844aa9ab742e6a442bce2_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzctMS0xLTEtNzE0Nzc0_dafa7de5-7218-49f2-bf49-c0010b778fbf">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i203faa43e4f844aa9ab742e6a442bce2_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzctMi0xLTEtNzE0Nzc0_e5107222-4f0b-42ac-a55b-fa0dd5703258">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="icd9bf64537bd46cc9400da749ec7f734_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzctMy0xLTEtNzE0Nzc0_401392a6-21c7-44d1-b701-001927b5d344">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icd9bf64537bd46cc9400da749ec7f734_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzctNC0xLTEtNzE0Nzc0_68d2f5cf-5e55-4854-8bda-1b153cfe3d80">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ie7d98cb92a264ce9b861c5b9eae457bd_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzctNS0xLTEtNzE0Nzc0_d996a29b-de83-451f-a8a6-dfa0d2a6cdae">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie7d98cb92a264ce9b861c5b9eae457bd_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzctNi0xLTEtNzE0Nzc0_2f689dc2-f123-4e7d-85ad-dac2f7baceb9">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ibdd0e0aae73645e19ae84d4bf16c8d02_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzgtMS0xLTEtNzE0Nzc0_25423c1a-d8db-4950-9429-cb1934e8a6fa">5,485,414</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibdd0e0aae73645e19ae84d4bf16c8d02_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzgtMi0xLTEtNzE0Nzc0_d8984031-9170-4d98-9743-a64a98932961">29</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9f23a59249c447c9bddf16d9e2c26570_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzgtMy0xLTEtNzE0Nzc0_d154f0f7-8e6a-47af-811e-aafcbe3d584f">127,633,399</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f23a59249c447c9bddf16d9e2c26570_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzgtNC0xLTEtNzE0Nzc0_116e3f53-b45d-4e76-9b90-8ee3132a3042">647</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i3f83f0d27e54492ba7c54836fc91e30c_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzgtNS0xLTEtNzE0Nzc0_fe614267-6ec2-4941-a011-52af686b9ea0">14,352,832</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3f83f0d27e54492ba7c54836fc91e30c_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzgtNi0xLTEtNzE0Nzc0_346e0206-fe5b-487e-9f0e-cdc4a5e38b9f">46</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Held by BBVA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i5259affee57940378d3daacf5ce9e717_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEwLTEtMS0xLTcxNDc3NA_6c1b5419-4990-4b26-b8e1-2d138ff61333">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5259affee57940378d3daacf5ce9e717_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEwLTItMS0xLTcxNDc3NA_0346fac3-f6d9-4966-8a72-92351f1d2694">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i3ca6637d5dc1463c91329a79148a5112_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEwLTMtMS0xLTcxNDc3NA_0fc5e646-6101-48f5-b47e-fd82bbe4d57d">112,733,730</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ca6637d5dc1463c91329a79148a5112_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEwLTQtMS0xLTcxNDc3NA_d5b1beb4-cdc6-4145-9b61-ee30faf02b5b">574</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="if44668798eef43e4a26a0e53cd0a020d_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEwLTUtMS0xLTcxNDc3NA_4736485b-fc44-417b-ad41-abe85f880586">592,832</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if44668798eef43e4a26a0e53cd0a020d_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEwLTYtMS0xLTcxNDc3NA_7d03836d-0e64-48ee-a77b-06b9622bccab">9</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Held by Corporaci&#243;n General Financiera, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i6343b67cfdbc43348b1e44ddf0f08399_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzExLTEtMS0xLTcxNDc3NA_bea9be22-c454-4121-99ac-010b10c13fc3">5,454,516</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6343b67cfdbc43348b1e44ddf0f08399_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzExLTItMS0xLTcxNDc3NA_859843c1-dc9a-4457-bf2d-d04c455baca1">26</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i15023b30048e4edb8332b04f958f0d91_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzExLTMtMS0xLTcxNDc3NA_8d08933c-40ce-4502-939c-9860fd63b1b5">14,899,669</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i15023b30048e4edb8332b04f958f0d91_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzExLTQtMS0xLTcxNDc3NA_85332908-1d32-4541-9171-a3579163320a">72</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="id8358f9eaa5e4033962d76c6c07bac0c_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzExLTUtMS0xLTcxNDc3NA_f57b5ef2-8ac6-4f51-bf4c-437bab4bdab0">13,760,000</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id8358f9eaa5e4033962d76c6c07bac0c_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzExLTYtMS0xLTcxNDc3NA_e10ef0e9-1115-40d0-a69d-469431c2dc15">37</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Held by other subsidiaries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iec9105b20b91450ab7f6042282f79087_I20221231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEyLTEtMS0xLTcxNDc3NA_44e1deb5-3c2f-4ba5-a30e-f7f31882d149">30,898</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iec9105b20b91450ab7f6042282f79087_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEyLTItMS0xLTcxNDc3NA_f8bde604-f3d4-4894-9472-178fa22de094">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i261c544b5f694cd38ab987abc4d1ee16_I20211231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEyLTMtMS0xLTcxNDc3NA_9877771a-c871-47a4-bf91-ddc40d7c4218">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i261c544b5f694cd38ab987abc4d1ee16_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEyLTQtMS0xLTcxNDc3NA_6b5a4dd5-f908-404d-bf30-059243689048">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i536a0e76337a48c2ac7f4091a7cce28e_I20201231" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEyLTUtMS0xLTcxNDc3NA_bff6bc96-79f1-46c8-91a1-2a66bec13ec5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i536a0e76337a48c2ac7f4091a7cce28e_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEyLTYtMS0xLTcxNDc3NA_f8a612f3-4fe8-436c-9670-3a705059afc6">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average purchase price in Euros</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i4bcf2d0a4c8d4cb0839a0abe6cdc7983_I20221231" decimals="2" name="bbva:NumberOfTreasuryShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEzLTEtMS0xLTcxNDc3NA_88c612ea-00d6-402f-85c3-0729229b865d">4.96</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4bcf2d0a4c8d4cb0839a0abe6cdc7983_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEzLTItMS0xLTcxNDc3NA_6e06b4cd-a637-4841-b78d-80361ee94a3b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i8d471618f4d44856bcad615bf18ad4ce_I20211231" decimals="2" name="bbva:NumberOfTreasuryShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEzLTMtMS0xLTcxNDc3NA_b5d32b8c-4a35-421b-8305-f08a0ba7ef44">5.02</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d471618f4d44856bcad615bf18ad4ce_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEzLTQtMS0xLTcxNDc3NA_63524091-e228-44d8-89b7-09df55eca219">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i77d3c8723eec4babb3293a5c4a74234d_I20201231" decimals="2" name="bbva:NumberOfTreasuryShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEzLTUtMS0xLTcxNDc3NA_9f555eaf-a0c5-4d31-a3ca-8ebe4035ec83">3.44</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77d3c8723eec4babb3293a5c4a74234d_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzEzLTYtMS0xLTcxNDc3NA_2a1e687d-f304-4651-a929-214d8d7ff3f9">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average selling price in Euros</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i0b26d5a7b781455a831db54bf3f08f56_I20221231" decimals="2" name="bbva:NumberOfTreasuryShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE0LTEtMS0xLTcxNDc3NA_488c0ff4-ae05-42cc-b0e5-871e89d38930">4.99</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b26d5a7b781455a831db54bf3f08f56_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE0LTItMS0xLTcxNDc3NA_592e2c1b-94c6-4ae7-9f14-aed92b733422">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iab38edd32715450696d7c345274f9480_I20211231" decimals="2" name="bbva:NumberOfTreasuryShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE0LTMtMS0xLTcxNDc3NA_b2e93587-48d5-4e80-afa6-ee26ef1464bc">4.89</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab38edd32715450696d7c345274f9480_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE0LTQtMS0xLTcxNDc3NA_de67cca7-a40c-465d-9ab3-a82121d380cc">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ia7506a49cb394360b0787dcc1d13211c_I20201231" decimals="2" name="bbva:NumberOfTreasuryShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE0LTUtMS0xLTcxNDc3NA_64231a6a-5728-4d98-a816-85552239f2c8">3.63</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia7506a49cb394360b0787dcc1d13211c_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE0LTYtMS0xLTcxNDc3NA_c1752c41-5cd8-487a-99da-6ea626d0030c">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net gains or losses on transactions <br/>(Shareholders' funds-Reserves)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic3661185aa454f4b94a685df8e8d75c3_I20221231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE1LTItMS0xLTcxNDc3NA_6db2917e-a281-4f01-ad67-e57fc15dda90">9</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b01365457954e76a074eead23a77206_I20211231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE1LTQtMS0xLTcxNDc3NA_8a6ece36-2b24-4888-8540-2bb0e9189a2a">17</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic564bebc29c946fb9a9f84c0562575ba_I20201231" decimals="-6" name="bbva:TreasurySharesInMillionsOfEuros" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTo5MzJlMzVlZDAxYjI0NTNjODEwZWQ0YjY5ZmM3N2U4Mi90YWJsZXJhbmdlOjkzMmUzNWVkMDFiMjQ1M2M4MTBlZDRiNjlmYzc3ZTgyXzE1LTYtMS0xLTcxNDc3NA_22bd2b54-dbd5-4fb6-ab52-a82660caffff">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> In 2022 and 2021 there were transactions included in the share buyback program (see Note 4).</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TreasuryStockTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90ZXh0cmVnaW9uOjQwZDUwODNmOGRkNDQ2MzA5ZDQ0YmQ2ZTM0OTBjNDdhXzEzOA_a5172e3d-7b10-4d64-97e9-dc4046441f96" escape="true"><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The percentages of treasury shares held by the Group in the years ended December 31, 2022, 2021 and 2020 are as follows: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:30.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.450%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.451%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Treasury Share</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Closing</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Closing</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Closing</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">% treasury share</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="iae4d0abf43dd41eabfc09a44aa196bbc_I20221231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtMS0xLTEtNzE0Nzc0_5cfb2ee6-e980-4a84-9569-334f95c161e1">0.078</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9ad1ac13c38246febf7132d2c2b33315_I20221231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtMi0xLTEtNzE0Nzc0_1212c819-a9e8-4076-a47f-4ef3e6a1d15e">7.492</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i7eb26ce00a3742b992e2d7d1f27ade16_I20221231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtMy0xLTEtNzE0Nzc0_46d0bd8c-75b3-492a-88ec-e45cdbc5bea7">0.094</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i19813aaee153442b891e4561958ccc8a_I20211231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtNC0xLTEtNzE0Nzc0_078000c1-051a-4cb1-83df-c779d6ea8ad1">0.108</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i32ff58d58c984704998a417258ce7f3b_I20211231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtNS0xLTEtNzE0Nzc0_0583152a-3e76-4ca1-b978-ef3e84e843c6">1.922</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i36890456456f4e2eb3b70b23cbb418eb_I20211231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtNi0xLTEtNzE0Nzc0_17f91cc1-4241-4a42-8931-9c2d0d5f3195">1.914</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i0a092127c2404c098d7eb7955e3ff2de_I20201231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtNy0xLTEtNzE0Nzc0_f7696c2e-8d01-433e-9574-860d96863a1a">0.008</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i83a8a93e95f74fdf86e3105c0a568c79_I20201231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtOC0xLTEtNzE0Nzc0_12071bdf-46df-43ee-94f9-8a202ff277e5">0.464</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="ic4d00b99422f4525ab43ba55668039b8_I20201231" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpiNzI2MzI3NzExOTc0NWI4YjNlNDMyYjliYzUyZGZjZC90YWJsZXJhbmdlOmI3MjYzMjc3MTE5NzQ1YjhiM2U0MzJiOWJjNTJkZmNkXzMtOS0xLTEtNzE0Nzc0_b54b51ef-2ef2-48bb-a956-07a09c3cd73e">0.215</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SharesOfBBVAAcceptedInPledgeTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90ZXh0cmVnaW9uOjQwZDUwODNmOGRkNDQ2MzA5ZDQ0YmQ2ZTM0OTBjNDdhXzEzOQ_86c92cf4-cc64-45c3-9df1-1daf1eb69944" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The number of BBVA shares accepted by the Group in pledge of loans as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:59.608%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.997%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.997%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.998%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Shares of BBVA accepted in pledge</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of shares in pledge</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="0" name="bbva:NumberOfSharesInPledge" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzItMS0xLTEtNzE0Nzc0_84c0cf26-7290-42b2-80c9-e9537877d5fe">23,437,363</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="0" name="bbva:NumberOfSharesInPledge" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzItMi0xLTEtNzE0Nzc0_36be8788-63e6-463e-83bb-141e32c62915">29,372,853</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="0" name="bbva:NumberOfSharesInPledge" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzItMy0xLTEtNzE0Nzc0_636016d3-5fe5-4aa8-bff5-c42ce11f2cd2">39,407,590</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nominal value (in Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="bbva:NominalValueOfSharesOfBBVAAcceptedInPledge" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzMtMS0xLTEtNzE0Nzc0_84eba5f1-6565-4923-bd54-1e9429f38597">0.49</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="bbva:NominalValueOfSharesOfBBVAAcceptedInPledge" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzMtMi0xLTEtNzE0Nzc0_52509cf1-0c20-4ca7-b59c-b831e572bfc0">0.49</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="bbva:NominalValueOfSharesOfBBVAAcceptedInPledge" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzMtMy0xLTEtNzE0Nzc0_18276214-5c92-485d-ba44-bf56cc682832">0.49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">% of share capital</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzQtMS0xLTEtNzE0Nzc0_9ff28bc5-ec47-4166-9620-9f1c63ec9afa">0.39</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzQtMi0xLTEtNzE0Nzc0_eea17d0f-d96c-42ba-a924-e24105c2334b">0.44</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpjNTFjYjFkMjRmZTk0MWFiYmM1NjJjODQ5OGE3N2I4My90YWJsZXJhbmdlOmM1MWNiMWQyNGZlOTQxYWJiYzU2MmM4NDk4YTc3YjgzXzQtMy0xLTEtNzE0Nzc0_be4a2c1c-cb19-49d9-a6d3-e2444137b94b">0.59</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90ZXh0cmVnaW9uOjQwZDUwODNmOGRkNDQ2MzA5ZDQ0YmQ2ZTM0OTBjNDdhXzE0MA_b24b47fc-4429-471f-8b81-fc0bb1c4b41f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The number of BBVA shares owned by third parties but under management of a company within the Group as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:59.548%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.017%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.017%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.018%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Shares of BBVA owned by third parties but managed by the Group</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of shares owned by third parties</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="0" name="bbva:NumberOfSharesOwnedByThirdParties" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzItMS0xLTEtNzE0Nzc0_69e7dcec-1966-43e2-970b-fee3045214ca">18,686,027</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="0" name="bbva:NumberOfSharesOwnedByThirdParties" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzItMi0xLTEtNzE0Nzc0_68b7a61e-c8a1-4446-b30d-09772f3db5d4">17,645,506</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="0" name="bbva:NumberOfSharesOwnedByThirdParties" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzItMy0xLTEtNzE0Nzc0_8d6bf42e-1c99-4832-b6ee-c8728499b58f">18,266,509</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nominal value (in Euros)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="2" name="bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzMtMS0xLTEtNzE0Nzc0_7fb2e6bd-6148-43db-94aa-923be0893087">0.49</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="2" name="bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzMtMi0xLTEtNzE0Nzc0_d92e2995-bdd7-4cd2-919c-e6657da9efbe">0.49</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="2" name="bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzMtMy0xLTEtNzE0Nzc0_6bfa3de0-027c-46e6-851b-cc8f494a958e">0.49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">% of share capital</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzQtMS0xLTEtNzE0Nzc0_670354a0-81f7-4e73-8f4e-f752477e43fd">0.31</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzQtMi0xLTEtNzE0Nzc0_fdd314b1-caa7-4ace-bcfe-70d1ed210890">0.26</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NjcvZnJhZzo0MGQ1MDgzZjhkZDQ0NjMwOWQ0NGJkNmUzNDkwYzQ3YS90YWJsZTpkM2E2MGQ2ODY1YmI0OTYzYWNmZjNiNzc5MmQxZWMxZi90YWJsZXJhbmdlOmQzYTYwZDY4NjViYjQ5NjNhY2ZmM2I3NzkyZDFlYzFmXzQtMy0xLTEtNzE0Nzc0_4fcd86d6-1468-4747-a7e6-765e09bf2de1">0.27</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-155</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_970"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">30.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90ZXh0cmVnaW9uOjVhZWU0NTc0YTdjNjRkMWY5ODQyOTZiYjIxYWE4NjhjXzkw_8b69e977-8ec5-4730-bc29-a19f4c52777a" continuedAt="i25db457607a8471e92341a41c87cfd5f" escape="true">Accumulated other comprehensive income (loss)</ix:nonNumeric></span></div><ix:continuation id="i25db457607a8471e92341a41c87cfd5f"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90ZXh0cmVnaW9uOjVhZWU0NTc0YTdjNjRkMWY5ODQyOTZiYjIxYWE4NjhjXzg4_e58ae52b-3999-4399-8463-13c4142e3423" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated balance sheets is as follows</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:54.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Accumulated other comprehensive income (loss). Breakdown by concepts (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzItMi0xLTEtNzE0Nzc0_bbfaf53e-fe04-493f-8c61-f96953f6552a">1,881</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzItMy0xLTEtNzE0Nzc0_eb58e8b3-f6f8-4c1b-810f-b8979e505013">2,075</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzItNC0xLTEtNzE0Nzc0_dd449604-0cbf-48fa-8f46-4fd39fe9a2cb">2,815</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains (losses) on defined benefit pension plans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzMtMi0xLTEtNzE0Nzc0_c0fd872d-1ca5-40e3-a47c-cccff0db0ba3">760</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzMtMy0xLTEtNzE0Nzc0_42728ca9-8441-416e-a45a-9506cf6e0584">998</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzMtNC0xLTEtNzE0Nzc0_3c1b70e7-94f8-463d-9525-fdbd66327bcc">1,474</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets and disposal groups classified as held for sale</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzQtMi0xLTEtNzE0Nzc0_ee962a95-5089-4022-9d2e-b8b8c3fa514a">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzQtMy0xLTEtNzE0Nzc0_f52812d9-08c7-4ef1-b1c4-26436a8c29c8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzQtNC0xLTEtNzE0Nzc0_f0b21453-029e-4456-84c0-24350a72143d">65</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value changes of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13.4</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzYtMi0xLTEtNzE0Nzc0_f06ebfbb-e36d-4fb2-8503-e322dacd4bb4">1,194</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzYtMy0xLTEtNzE0Nzc0_a56a11b7-b604-40c1-bcd9-4d7dea2798f8">1,079</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzYtNC0xLTEtNzE0Nzc0_e60e32aa-5531-4f1b-a0f2-67defb77b0ea">1,256</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRiskThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzEwLTItMS0xLTcxNDc3NA_19037cfc-66d8-4e43-9559-4861093ba8b9">72</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRiskThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzEwLTMtMS0xLTcxNDc3NA_b44e8c08-8ae5-4e8e-995a-1eb30622ac90">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRiskThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzEwLTQtMS0xLTcxNDc3NA_15b2a4c2-5e84-43a8-adb1-f83e8889da3d">21</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that may be reclassified to profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzExLTItMS0xLTcxNDc3NA_21c5f789-1fa9-4a93-839e-bb134e3a7bab">15,550</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzExLTMtMS0xLTcxNDc3NA_6b14fe92-3b8b-4e59-979b-c0d86cfc4c44">14,401</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzExLTQtMS0xLTcxNDc3NA_6c787314-9a8d-4db0-a633-680c53b0a5fe">11,541</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzEyLTItMS0xLTcxNDc3NA_86c06c02-eed3-460e-895d-544a9d5b9619">1,408</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzEyLTMtMS0xLTcxNDc3NA_6fde74fd-f386-41fb-ae9c-a04ef079c93e">146</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzEyLTQtMS0xLTcxNDc3NA_82880055-985a-4d52-b701-d7928bafe941">62</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Mexican peso</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3bcc3b1045ce4e748387c8b8d1e1946c_D20220101-20221231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE0LTItMS0xLTcxNDc3NA_3955b14b-10ad-4cb9-add3-e33950b6ff9c">1,751</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaab2a7f54d7c4dd38dc0e47cbeb2a370_D20210101-20211231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE0LTMtMS0xLTcxNDc3NA_23e1a8f1-c371-45f6-ad92-a68e608eec7e">681</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0cfbbb552ce7458fa39321444c00277e_D20200101-20201231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE0LTQtMS0xLTcxNDc3NA_e7362fbd-87c5-4ecb-b564-b72c9c15a9b6">362</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Turkish lira</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibc3146728f1143088f240d4993a1e120_D20220101-20221231" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE1LTItMS0xLTcxNDc3NA_c1b1fb5b-b1db-43ef-964a-674174fe56a8">358</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i28ad64f6f1774dd8a0538492a7b79f38_D20210101-20211231" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE1LTMtMS0xLTcxNDc3NA_07491e99-b41f-4c3d-aaba-9f5502e204e2">555</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5dba3217bdfe4d1d90a74268d91ca7cf_D20200101-20201231" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE1LTQtMS0xLTcxNDc3NA_1683ce6e-29f2-424a-9b34-ebc556209511">317</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other exchanges</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icf8a69b695384224aaa179a4dcefcd45_D20220101-20221231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE2LTItMS0xLTcxNDc3NA_78f61e3b-00d3-40e5-923c-c75d122eea16">15</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8920e8964125498a888794838393a8a8_D20210101-20211231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE2LTMtMS0xLTcxNDc3NA_e45dc29f-9ebb-4e8c-acc7-1d9891889ddd">19</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i747a77cc3180447dafe72efb74a56b25_D20200101-20201231" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE2LTQtMS0xLTcxNDc3NA_24ac9c1d-0629-45a5-8569-9ccf1c554d57">18</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency translation </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE3LTItMS0xLTcxNDc3NA_4f8de717-e299-4036-8461-1968c1608095">13,103</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE3LTMtMS0xLTcxNDc3NA_d29117de-cff4-431f-9fcc-f065fb915166">14,988</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE3LTQtMS0xLTcxNDc3NA_7890e4c6-eac3-40d5-b54c-6eb1b77b2cb0">14,185</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Mexican peso</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i3bcc3b1045ce4e748387c8b8d1e1946c_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE5LTItMS0xLTcxNDc3NA_8449b13e-c0fd-480d-a307-9d1942dd9559">2,813</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iaab2a7f54d7c4dd38dc0e47cbeb2a370_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE5LTMtMS0xLTcxNDc3NA_2f930249-b249-41f4-9391-2aa54124c035">4,503</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0cfbbb552ce7458fa39321444c00277e_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzE5LTQtMS0xLTcxNDc3NA_af1761e3-c345-4741-9e4c-9b44c712d11f">5,220</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Turkish lira</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibc3146728f1143088f240d4993a1e120_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIwLTItMS0xLTcxNDc3NA_310f3d0a-a6ce-46ec-b764-52595a4d71ce">6,601</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i28ad64f6f1774dd8a0538492a7b79f38_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIwLTMtMS0xLTcxNDc3NA_da9f6369-7796-43cf-9d0a-ce067d91f732">6,607</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5dba3217bdfe4d1d90a74268d91ca7cf_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIwLTQtMS0xLTcxNDc3NA_ab00d8b6-38b5-42ce-847d-f744fd1b27ca">4,960</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Argentine peso</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i783cdeef460d4e34b6017fa56253af4c_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIxLTItMS0xLTcxNDc3NA_6904113c-275c-4efe-96c5-5aca4af995e8">869</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ide0204db1d234354a6e741521ae022de_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIxLTMtMS0xLTcxNDc3NA_093f755d-213e-4f1e-ae63-a79531c95bcd">1,024</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i397d8b10e81e41f7b6b5c95c7429a4c2_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIxLTQtMS0xLTcxNDc3NA_797a0ac3-1de0-4910-810a-7527224b3ad8">1,247</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Venezuela Bol&#237;var</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2c95d87c606a491980828923624d5e5a_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIyLTItMS0xLTcxNDc3NA_95525d65-df10-48af-939a-7cf0494f60de">1,850</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i91982bf5cce64495871a22c50489d0c1_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIyLTMtMS0xLTcxNDc3NA_1158c1a0-c9c9-46e9-8263-faab41995edf">1,858</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ibb7915dfff4f440c99f1ee9ad28b1e52_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIyLTQtMS0xLTcxNDc3NA_083c1cc9-4849-4171-8bfa-2c31f371d570">1,860</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other exchanges</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icf8a69b695384224aaa179a4dcefcd45_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIzLTItMS0xLTcxNDc3NA_dd032a6d-09c3-4608-b353-df67d24f94d0">971</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i8920e8964125498a888794838393a8a8_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIzLTMtMS0xLTcxNDc3NA_b0a594f9-c0fb-4389-9e9f-8afb94c619f8">995</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i747a77cc3180447dafe72efb74a56b25_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzIzLTQtMS0xLTcxNDc3NA_05a46836-e888-43d7-88ad-4d995eacf3cb">898</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives. Cash flow hedges (effective portion)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI0LTItMS0xLTcxNDc3NA_cbf3eb77-23a7-4104-8e29-1d713ed6cb76">458</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI0LTMtMS0xLTcxNDc3NA_85b069e1-90fc-4ec9-a6f1-336758228711">533</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI0LTQtMS0xLTcxNDc3NA_7c56093b-7567-4cf6-984b-c0d5055793e6">10</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value changes of debt instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13.4</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI1LTItMS0xLTcxNDc3NA_24d70eae-8c65-4cb1-a5aa-ad79d2428f18">562</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI1LTMtMS0xLTcxNDc3NA_fcae4c72-1868-4e2f-baf5-f1029fbf76c2">1,274</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI1LTQtMS0xLTcxNDc3NA_0f0dc90a-7271-4c69-9571-ff2603430b2c">2,069</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets and disposal groups classified as held for sale </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI3LTItMS0xLTcxNDc3NA_a6852b69-b047-4ede-8335-5f78c87eefab">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI3LTMtMS0xLTcxNDc3NA_d1e17cad-d724-4480-b7e0-136924972a59">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI3LTQtMS0xLTcxNDc3NA_275b2a93-870b-4a35-a864-938cf7926ed1">644</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of other recognized income and expense of investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI4LTItMS0xLTcxNDc3NA_ad4b608a-5939-422b-8d66-e049e3875f9e">18</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI4LTMtMS0xLTcxNDc3NA_2b8c134b-af52-41a0-9df2-fcce33c92306">9</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI4LTQtMS0xLTcxNDc3NA_e29865d2-6d43-4d19-a4cf-0990b31d5fdc">17</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI5LTItMS0xLTcxNDc3NA_e62866bf-0b44-4b40-abfc-e3cb969470b6">17,432</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI5LTMtMS0xLTcxNDc3NA_efbdd2ed-ec65-4908-894d-b960a57d68a1">16,476</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90YWJsZTo0NGJlNDQxYTBmM2Y0NjQ4ODY0MWZmYTNlNjFjYjIyMS90YWJsZXJhbmdlOjQ0YmU0NDFhMGYzZjQ2NDg4NjQxZmZhM2U2MWNiMjIxXzI5LTQtMS0xLTcxNDc3NA_690cd259-8b7e-411f-bbe9-d8a3f8ea915f">14,356</ix:nonFraction>)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzAvZnJhZzo1YWVlNDU3NGE3YzY0ZDFmOTg0Mjk2YmIyMWFhODY4Yy90ZXh0cmVnaW9uOjVhZWU0NTc0YTdjNjRkMWY5ODQyOTZiYjIxYWE4NjhjXzU3NzI0MzYwNDU4NjY0_2321c6e7-77de-46d7-a752-c08f74dcc558" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Corresponds mainly to BBVA USA in 2020 (see Notes 3 and 21).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balances recognized under these headings are presented net of tax.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main changes in 2022 are explained by the depreciation against the euro of some of the currencies of the main geographies where the Group operates against the euro such as the Argentine peso (38.3%), the Turkish lira (23.7%) and the Colombian peso (12.1%), partially offset by the appreciation against the euro of the Mexican peso (11.0%) and Peruvian sol (11.0%), and the application of IAS 29 in Turkey (see Note 2.2.19) and the recognition under "Foreign currency translation" of the 36.12% acquired from minority interests (see Note 3).</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_973"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">31.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90ZXh0cmVnaW9uOmFlNzJhY2Y4MjI4ZDRkZmU5OTEzNzVkYmMwMzAzM2JmXzE5_31d5f6ba-19ee-47c9-bf08-32277e673dca" continuedAt="i285f6fd5b172421aa18a87b71a65edeb" escape="true">Non-controlling interest</ix:nonNumeric></span></div><ix:continuation id="i285f6fd5b172421aa18a87b71a65edeb" continuedAt="i09fef4b9a8084e88896b6be14abcf8e7"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:NonControllingInterestClassifiedByConceptTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90ZXh0cmVnaW9uOmFlNzJhY2Y4MjI4ZDRkZmU5OTEzNzVkYmMwMzAzM2JmXzIw_afd3b9d4-eb95-4a84-902f-160e2285d64e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown by groups of consolidated entities under the heading &#8220;Minority interests (non-controlling interest)&#8221; of total equity in the consolidated balance sheets is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:63.306%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-controlling interests. Breakdown by subgroups (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Garanti BBVA</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1749e4e6fb594895a7f01ca209480d4d_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzItMi0xLTEtNzE0Nzc0_bf081adf-663e-465f-a3b3-6fde990ce1d9">1,180</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5be408f4d3f84618b526353f251547be_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzItMy0xLTEtNzE0Nzc0_8b85b3b3-a7e9-41e2-9a7a-ae4546d9cf4a">2,851</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4cb8077c930f41ef9b687a3b80c06214_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzItNC0xLTEtNzE0Nzc0_905b0202-54ca-4a59-ab41-3795553c3845">3,692</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0b3e248ff3714654a3de4fac2239952b_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzMtMi0xLTEtNzE0Nzc0_b6f7c0d4-c878-405c-839b-0b24566faa0e">1,469</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i95622d74515d4c89b4da1e6a9e74871e_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzMtMy0xLTEtNzE0Nzc0_4df827a4-80f0-471c-974f-1a3861490967">1,212</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0d579d454cf6489f9c4f7561c920b9de_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzMtNC0xLTEtNzE0Nzc0_b62059c7-6efb-4ed1-9e61-e611771633ca">1,171</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Argentina</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7ca6a58b23c24d0f9f5bdcd78dc80a71_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzQtMi0xLTEtNzE0Nzc0_f58135bc-72da-4786-90ab-a1537f8608eb">687</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0de66cf15a86436e9f87c8afa17ac185_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzQtMy0xLTEtNzE0Nzc0_263e123c-aca1-445e-b88d-a9abbb20e59d">557</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib7589cf5bea74585bb47017d5a50d450_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzQtNC0xLTEtNzE0Nzc0_7aae6ecf-a645-4dd0-b7fb-f946a11095de">416</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00e6c0c63cff4d17b5567ea056cfd49b_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzUtMi0xLTEtNzE0Nzc0_b5eab2f1-071c-4850-818d-3105fc5eaf13">73</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idfdd0a943aa142098d950bcd0249da7c_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzUtMy0xLTEtNzE0Nzc0_f2d26c34-f406-4cfa-92a6-2b4fd7d8fd87">76</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i263a1a70ab4b417ca3cf9a3e763b6406_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzUtNC0xLTEtNzE0Nzc0_9217e263-7d25-4b38-ae1e-5b6c95ea27eb">70</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Venezuela</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i17768a22178441ea85a11630b9005626_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzYtMi0xLTEtNzE0Nzc0_1060c84b-bad5-4978-b38e-91768eaab33c">95</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82b40874c3df4a8ca896490dc0d62c78_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzYtMy0xLTEtNzE0Nzc0_80be3f58-9a3b-41a4-a4cb-73723675771f">70</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i784370ab16fa4e76b7c5d48c37060274_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzYtNC0xLTEtNzE0Nzc0_2183e396-d5fd-41a6-8df1-6bed69034942">65</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other entities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibbf65e07112c4851ac13a16c424de1de_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzctMi0xLTEtNzE0Nzc0_794b117b-090d-4de9-ade7-99dc31e4e559">119</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5694c5e262994fbaa431376524235344_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzctMy0xLTEtNzE0Nzc0_c251af9c-c5cd-4647-964a-b53e60d50cd0">87</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d544e0853fc40839b757a1605dc6236_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzctNC0xLTEtNzE0Nzc0_0da4a017-3ded-4d1d-85eb-313d6dbf5a5f">56</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzEyLTItMS0xLTcxNDc3NA_8ac7fae2-6dca-4a05-aae3-311fe2ac6558">3,624</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzEyLTMtMS0xLTcxNDc3NA_3d838038-7493-45e1-b9f7-7547dd1502a3">4,853</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTo4ZjE5MTVmNzhhZDM0NGYyYWY1ZWJhMTRhZjcyYTg3OS90YWJsZXJhbmdlOjhmMTkxNWY3OGFkMzQ0ZjJhZjVlYmExNGFmNzJhODc5XzEyLTQtMS0xLTcxNDc3NA_2860f70d-9eee-458a-bae6-85c87ba1746f">5,471</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90ZXh0cmVnaW9uOmFlNzJhY2Y4MjI4ZDRkZmU5OTEzNzVkYmMwMzAzM2JmXzU3NzI0MzYwNDU4Njg2_f9641460-4795-4a90-8df9-dc990e264f8f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The change corresponds mainly to the voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;. completed on May 18, 2022 (see Note 3).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-156</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i09fef4b9a8084e88896b6be14abcf8e7"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProfitAttributableToNonControllingInterestsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90ZXh0cmVnaW9uOmFlNzJhY2Y4MjI4ZDRkZmU5OTEzNzVkYmMwMzAzM2JmXzIx_1accd1df-6c4a-43d3-afe6-03bed7437b3f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These amounts are broken down by groups of consolidated entities under the heading &#8220;Attributable to minority interests (non-controlling interests)&#8221; in the consolidated income statements:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:63.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.802%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit attributable to non-controlling interests. Breakdown by subgroups (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Garanti BBVA</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0884df00b1024ccab386e0d91946519a_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzItMi0xLTEtNzE0Nzc0_47aae286-1941-4be8-914c-960b0054d9fc">29</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i818f5c5396144f638fbb3490d560e4a5_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzItMy0xLTEtNzE0Nzc0_105933c2-8b02-4729-994a-277532c21e0d">758</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i96de49a7efe9425bb93c7d24f8cdbb2c_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzItNC0xLTEtNzE0Nzc0_c1af9589-4cf2-4880-93e3-bb4b9ea9dea4">579</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3220ea110eea47588183b3e22928e46a_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzMtMi0xLTEtNzE0Nzc0_0de9ae2d-ef5c-436f-b21f-4b942bf1bdd6">236</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idf30545706014be29f4b06ab8d3f0710_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzMtMy0xLTEtNzE0Nzc0_77a5193b-c130-4d87-8dfb-c88f6aba917a">143</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37a14605d60849d6a8f4f9da806f37b8_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzMtNC0xLTEtNzE0Nzc0_0aa22e68-6a6a-4f42-a54d-7b969e02657a">126</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Argentina</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8daf83315c4741d2a9cdfdf51d771028_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzQtMi0xLTEtNzE0Nzc0_d8f0df70-e9e9-4fe7-8f1a-b27ecd0c005c">83</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i79d81f44e730403fa4ce8aa6aadd250c_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzQtMy0xLTEtNzE0Nzc0_70cf4996-ccd6-4ac8-b170-9812fdeb9970">26</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d9f1b8ad5394ad286ce99a8680b22bf_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzQtNC0xLTEtNzE0Nzc0_18b2f833-4503-44ac-9724-006c6da694db">38</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i933ece57376e43e583eb1343aa15adbc_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzUtMi0xLTEtNzE0Nzc0_d38297bc-0a98-4dbd-a507-8da584e90bf4">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib807be10e0ba41719e18c350deab4b59_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzUtMy0xLTEtNzE0Nzc0_611fa2e3-f8db-466e-bbde-1f6e7a5783dd">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iff2d56f5c84d46ff8860d06ff2d1e73d_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzUtNC0xLTEtNzE0Nzc0_bbbd6efa-f77a-41de-9a50-2cccf9c71d43">6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA Venezuela</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42d7b9ced5ee4dc599c320836dc1dd09_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzYtMi0xLTEtNzE0Nzc0_75f81d9b-801f-4574-ba18-342fa7da6be4">22</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i52c13e76a2c64452a2ff5f7488fea240_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzYtMy0xLTEtNzE0Nzc0_feb30b60-aa0d-4983-98ee-5021b6d33b09">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifabef4ef375540f88ee72eec4080fc36_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzYtNC0xLTEtNzE0Nzc0_e683cb17-b694-42cc-af2a-f5e9c4eb66bf">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other entities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7056ee4b41704848898002f414aff0f6_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzctMi0xLTEtNzE0Nzc0_0e1fdc87-a813-4c08-9c35-420943f3c4b7">32</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5d87a9a233004dd6906d439d21349fde_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzctMy0xLTEtNzE0Nzc0_aec79b26-3a3d-4318-8f30-0d7031bc7795">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifc1426b8c5cb49eda5ad1e0207ce73eb_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzctNC0xLTEtNzE0Nzc0_70bafdf5-82f9-4d31-86db-c2252251014c">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzEzLTItMS0xLTcxNDc3NA_c5aeb1b3-ad19-4b87-a5ab-cb41a152b3f7">407</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzEzLTMtMS0xLTcxNDc3NA_5f481007-7de1-4371-8746-ab200cd3db46">965</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90YWJsZTpjNDgyZTBiZjMzNzg0YTlkOTQ5N2ZjNDYzNTBkOTEyNS90YWJsZXJhbmdlOmM0ODJlMGJmMzM3ODRhOWQ5NDk3ZmM0NjM1MGQ5MTI1XzEzLTQtMS0xLTcxNDc3NA_f52c86ce-1e5e-45e6-8c09-73765a3f1bff">756</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzMvZnJhZzphZTcyYWNmODIyOGQ0ZGZlOTkxMzc1ZGJjMDMwMzNiZi90ZXh0cmVnaW9uOmFlNzJhY2Y4MjI4ZDRkZmU5OTEzNzVkYmMwMzAzM2JmXzU3NzI0MzYwNDU5MTAy_991d95e6-1292-4915-8409-73f6fee97cef" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The change corresponds mainly to the IAS 29 implementation and the voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350;. completed on May 18, 2022 (see Notes 2.2.19 and 3).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Dividends distributed to non-controlling interest of the Group during the year 2022 are: BBVA Banco Continental Group &#8364;109 million, BBVA Garanti Group &#8364;49 million and other Group entities &#8364;27 million.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_976"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">32.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfCapitalBaseAndCapitalManagementTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzYvZnJhZzoxMmYyY2YxYmQyMzE0Yzc2YmY1NWViMjdjYzVjMDczYi90ZXh0cmVnaW9uOjEyZjJjZjFiZDIzMTRjNzZiZjU1ZWIyN2NjNWMwNzNiXzY_48f203c2-88e7-4807-a77a-363c6d406a71" continuedAt="i5cfe2642e4dc4ead8528e250dc3a8eec" escape="true">Capital base and capital management </ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_979"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">32.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i5cfe2642e4dc4ead8528e250dc3a8eec" continuedAt="i83c1616e8ede44babf629345c2697d00">Capital base</ix:continuation></span></div><ix:continuation id="i83c1616e8ede44babf629345c2697d00" continuedAt="i314240b5c61c482b941edeaf779ff538"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, own funds is calculated in accordance to the applicable regulation of each year on minimum capital requirements for Spanish credit institutions &#8211;both as individual entities and as consolidated group&#8211; that establish how to calculate them, as well as the various internal capital adequacy assessment processes they should have in place and the information they should disclose to the market.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Regarding the minimum capital requirements, the ECB informed the Group that the Pillar 2 requirement would remain at 1.5% (of which at least 0.84% must be CET1) since March 1, 2022. Therefore, BBVA should maintain a CET1 capital ratio of 8.60% and a total capital ratio of 12.76% at a consolidated level, which once updated taking into account the countercyclical buffer as of December 31, 2022, are 8.63% and 12.79%, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, after the latest SREP (Supervisory Review and Evaluation Process) decision, applicable as from January 1, 2023, the ECB has informed the Group that it must maintain a total capital ratio of 13.00% and a CET1 capital ratio of 8.75% at the consolidated level, which include the consolidated Pillar 2 requirement of 1.71% (at least 0.96% must be CET1), of which 0.21% (0.12% must be CET1) is determined on the basis of the ECB's prudential provisioning expectation which, as of January 1, 2023, will no longer be treated as a deduction from CET1, with a 19 basis points positive effect on fully-loaded CET1 ratio as of December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The BBVA Group has set the objective of maintaining a CET1 ratio at a consolidated level between 11.5% and 12.0%, increasing the target distance to the minimum requirement (8.63% until December 31, 2022 and 8.75% since January 1, 2023) at 287 and 337 basis points (275 and 325 basis points since January 1, 2023). At closing of the financial year 2022, CET1 ratio was above this target management range.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-157</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i314240b5c61c482b941edeaf779ff538" continuedAt="ia80eee012d834bc2ba0e76721f2b16ab"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:EligibleCapitalResourcesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90ZXh0cmVnaW9uOmU3YzRkOTM1NzE1NzQ5NmNiMDdkMmJlMTkyN2FhM2QwXzMzMjI_e9c2c6b9-1e0d-4786-b6fe-3d0b0db4f367" continuedAt="i95df5fafd0144ea8a5137d8febc8a465" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A reconciliation of the main figures between the accounting and regulatory own funds as of December 31, 2022, 2021 and 2020 is shown below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:52.366%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.688%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.459%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Eligible capital resources (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzItMi0xLTEtNzE0Nzc0_4793aafe-4b99-4583-8eb2-6733c50b5908">2,955</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzItMy0xLTEtNzE0Nzc0_3b3e9704-49d6-4007-99f0-033da47d859e">3,267</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzItNC0xLTEtNzE0Nzc0_8c8ce7aa-8752-461e-9f68-6f17e077725e">3,267</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share premium</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzMtMi0xLTEtNzE0Nzc0_c048d73b-b4d2-4656-ac8b-76c54e7afa46">20,856</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzMtMy0xLTEtNzE0Nzc0_87a1b1b9-18c3-4e33-b9c7-ffa0221937d8">23,599</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzMtNC0xLTEtNzE0Nzc0_fde5fefb-8ce0-4573-9ae6-ff17b7031061">23,992</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retained earnings, revaluation reserves and other reserves</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzQtMi0xLTEtNzE0Nzc0_427f89e7-d261-478a-9a13-174f852a69e3">34,881</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzQtMy0xLTEtNzE0Nzc0_db4f503b-2865-444b-9759-93645aea877b">29,984</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzQtNC0xLTEtNzE0Nzc0_fccb5b5f-d893-426c-a56b-d0a604c3f033">30,344</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other equity instruments, net</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzUtMi0xLTEtNzE0Nzc0_0147ad21-27c9-48de-bf99-24ed7ba390d6">63</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzUtMy0xLTEtNzE0Nzc0_4b45e764-1860-40e1-b5bc-04b46eec35b1">60</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzUtNC0xLTEtNzE0Nzc0_cf57623c-e836-480f-b4c9-551134531e94">42</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzYtMi0xLTEtNzE0Nzc0_fe6f3be8-5ee8-4b70-b3b5-68f3a325fe80">29</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzYtMy0xLTEtNzE0Nzc0_d64bfaa1-c1f4-4eae-81b8-fb6ecbd25d93">647</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzYtNC0xLTEtNzE0Nzc0_ca81bb49-32a3-4229-b1fb-32465475f459">46</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) attributable to the parent company</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzctMi0xLTEtNzE0Nzc0_9fee6523-99df-45dd-a596-512a474e0cf6">6,420</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzctMy0xLTEtNzE0Nzc0_03f2a2ae-8e16-477e-8109-221c05d97c18">4,653</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzctNC0xLTEtNzE0Nzc0_43d2eb2e-8357-426a-a79e-e7716b068ecf">1,305</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interim dividend</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:InterimDividendEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzgtMi0xLTEtNzE0Nzc0_ea5bc767-af26-4e29-8ccd-cae8c93f2536">722</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:InterimDividendEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzgtMy0xLTEtNzE0Nzc0_6de43b38-3ea7-4ea8-aec4-94836454d87a">532</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:InterimDividendEligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzgtNC0xLTEtNzE0Nzc0_453ec41f-72f6-473c-aa8e-21a84abdcb12">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total equity</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ShareholdersFundsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzktMi0xLTEtNzE0Nzc0_7c4d87d9-0fff-41d3-b93d-bcc2194bb323">64,422</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ShareholdersFundsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzktMy0xLTEtNzE0Nzc0_51fb4127-7796-4a5c-ad38-50cd43372056">60,384</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ShareholdersFundsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzktNC0xLTEtNzE0Nzc0_26dd0717-2041-4bad-ba3b-83eb60cadd4b">58,904</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated other comprehensive income (loss)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEwLTItMS0xLTcxNDc3NA_eb0f15cf-891b-464a-8bfd-b7ac962e8b4c">17,432</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEwLTMtMS0xLTcxNDc3NA_52829146-9f50-4f39-b421-62a778241840">16,476</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEwLTQtMS0xLTcxNDc3NA_b4302535-fce3-4a76-8d56-d4c1e4f097c9">14,356</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-controlling interest</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzExLTItMS0xLTcxNDc3NA_d59f70ab-d7be-4e8c-860a-255d985544a2">3,624</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzExLTMtMS0xLTcxNDc3NA_62d9f7e3-155e-49ae-a518-af6cb0f6b687">4,853</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzExLTQtMS0xLTcxNDc3NA_b14a787d-e38a-412f-a9a9-de96c7cd96a1">5,471</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Shareholders' equity</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEyLTItMS0xLTcxNDc3NA_3db40bde-e66a-457e-bf64-5f57bbd7b917">50,615</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEyLTMtMS0xLTcxNDc3NA_90bcc211-aa80-4c4f-a652-bb050a1b8e19">48,760</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEyLTQtMS0xLTcxNDc3NA_897ac46a-e9bb-40c4-85ff-32bc53754219">50,020</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill and other intangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEzLTItMS0xLTcxNDc3NA_78b0e38e-6b19-4905-81fe-8663ec9fcc19">1,395</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEzLTMtMS0xLTcxNDc3NA_5c58fdf2-0135-4366-9f73-8464d1cd89e5">1,484</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzEzLTQtMS0xLTcxNDc3NA_7b0788e3-abca-4a4c-80f5-4ddf6eac013d">3,775</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deductions</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:DeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE1LTItMS0xLTcxNDc3NA_42f03742-9f80-4fb7-8b81-35b6c5f5be1e">1,722</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:DeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE1LTMtMS0xLTcxNDc3NA_e58f7f26-28f6-4f7c-9e1f-fa5d946f55b9">1,484</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:DeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE1LTQtMS0xLTcxNDc3NA_c4390f96-8687-4d77-9ca2-6a8280ae5312">3,775</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Differences from solvency and accounting perimeter</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE2LTItMS0xLTcxNDc3NA_7e4d56f6-871b-457a-bc7a-206fb4104867">123</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE2LTMtMS0xLTcxNDc3NA_43c21b2f-e957-4e4b-8c1e-ce3f96634464">130</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE2LTQtMS0xLTcxNDc3NA_24c86f09-1282-4a4c-8c1a-a712a46305a6">186</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity not eligible at solvency level</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE3LTItMS0xLTcxNDc3NA_078ab779-5d3a-4754-a956-e69ddd8a5c2f">123</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE3LTMtMS0xLTcxNDc3NA_0a37c140-c397-4079-a910-bb1cf200e3a8">130</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE3LTQtMS0xLTcxNDc3NA_b7bb4ab1-0563-49cc-bbef-38109729b9ea">186</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other adjustments and deductions </span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)  </span></div></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE4LTItMS0xLTcxNDc3NA_97a70bed-034f-45e4-8d2a-d75cc33c7a14">6,032</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE4LTMtMS0xLTcxNDc3NA_fc42edaf-1b65-4bac-818d-e9c475b5b5c9">7,197</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" sign="-" name="bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE4LTQtMS0xLTcxNDc3NA_1f64b068-7be1-4551-b3b4-72d547c6e261">3,128</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Common Equity Tier 1 (CET 1)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CommonEquityTier1CET1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE5LTItMS0xLTcxNDc3NA_c5853fa5-85b4-4e41-9550-21721c0000d3">42,738</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CommonEquityTier1CET1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE5LTMtMS0xLTcxNDc3NA_55e7f819-52db-4164-93fa-4fdc53b4a79e">39,949</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CommonEquityTier1CET1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzE5LTQtMS0xLTcxNDc3NA_30e6f21c-e8ed-496e-bc1d-e920bd6ba672">42,931</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Additional Tier 1 before Regulatory Adjustments</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIwLTItMS0xLTcxNDc3NA_83d28e38-ad69-4444-bbcb-a8bcb66d0a8b">5,193</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIwLTMtMS0xLTcxNDc3NA_51a64da9-f59e-49a6-9719-8298531c50de">5,737</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIwLTQtMS0xLTcxNDc3NA_7a2196c5-aa91-4cd9-a136-84eb8fbd76a2">6,666</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Regulatory Adjustments to Additional Tier 1</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIxLTItMS0xLTcxNDc3NA_9871cdd5-29ca-4552-8b5f-af3dd1b3a699">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIxLTMtMS0xLTcxNDc3NA_b7051ae4-c0f8-4df6-bbdd-afa753d60d42">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIxLTQtMS0xLTcxNDc3NA_d2cdaa84-d0b7-4131-9450-798aa15af60b">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tier 1</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:Tier1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIyLTItMS0xLTcxNDc3NA_5d687298-84cd-40a6-b4d1-bf6ddec17f56">47,931</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:Tier1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIyLTMtMS0xLTcxNDc3NA_9a7fbcad-1455-458c-bbba-5a3d68855193">45,686</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:Tier1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIyLTQtMS0xLTcxNDc3NA_25cc7757-a9b8-4310-8335-256f00cb990c">49,597</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tier 2</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIzLTItMS0xLTcxNDc3NA_487ff978-889b-469a-b50d-c33f16dd0a44">5,930</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIzLTMtMS0xLTcxNDc3NA_46da1af0-205e-421e-af76-01d36cb1fee2">7,383</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzIzLTQtMS0xLTcxNDc3NA_b5349acf-0246-4042-bb79-087cd9e3ac8a">8,548</ix:nonFraction></span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Capital (Total Capital=Tier 1 + Tier 2)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalCapitalTier1Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzI1LTItMS0xLTcxNDc3NA_3b9e6227-4503-4aae-ad75-b04916634726">53,861</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalCapitalTier1Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzI1LTMtMS0xLTcxNDc3NA_73b5a9cf-c0cd-4c00-8dc1-12241850bcf8">53,069</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalCapitalTier1Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzI1LTQtMS0xLTcxNDc3NA_74b583ad-8bb0-4731-b81f-83a0159e5a47">58,145</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Minimum equity required</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalMinimumEquityRequiredEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzI2LTItMS0xLTcxNDc3NA_0edba564-f3a9-4d28-9e7b-5a07c41e0e7f">43,111</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalMinimumEquityRequiredEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzI2LTMtMS0xLTcxNDc3NA_4259143c-1805-43ab-8e3d-7488fb43e181">39,275</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalMinimumEquityRequiredEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZToxNWZhNzg1Y2M5NDg0NTMwOTAyZWIxNzBhZGYwZTBjYS90YWJsZXJhbmdlOjE1ZmE3ODVjYzk0ODQ1MzA5MDJlYjE3MGFkZjBlMGNhXzI2LTQtMS0xLTcxNDc3NA_1b2a6ec1-e4c1-4fef-8fe6-e7107fe8362e">45,042</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90ZXh0cmVnaW9uOmU3YzRkOTM1NzE1NzQ5NmNiMDdkMmJlMTkyN2FhM2QwXzMzMjM_14bdaf83-e3cb-42a5-9f25-29e40a6756d0" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="i95df5fafd0144ea8a5137d8febc8a465">(1) Other adjustments and deductions includes, among others, the adjustment of non-eligible minority interests, the amount of repurchase of own shares up to the maximum limit authorized by the ECB for the BBVA Group in 2021 (see Note 4) and the amount of shareholders remuneration pending to be distributed.</ix:continuation> </ix:footnote></span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-158</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ia80eee012d834bc2ba0e76721f2b16ab" continuedAt="i5fb3705fe82f4a27abd1658ca7e4d305"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AmountOfCapitalCC1TableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90ZXh0cmVnaW9uOmU3YzRkOTM1NzE1NzQ5NmNiMDdkMmJlMTkyN2FhM2QwXzMzMTk_b11d99fe-9751-4972-961f-7df3b4906968" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group&#8217;s eligible own funds and risk-weighted assets (RWAs) in accordance with the aforementioned applicable regulation as of December 31, 2022, 2021 and 2020 are shown below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:66.542%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.842%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of capital CC1 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital and share premium </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3ec74794a00940f98f721752385548ac_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzItMS0xLTEtNzE0Nzc0_f4742528-ccd7-4b3e-9e6f-f407617d4dce">23,810</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c5743ba61654b4c83b7adb9bbb0c023_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzItMi0xLTEtNzE0Nzc0_557704b4-50c1-44ce-8da4-a627c1c9f1c5">26,866</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4151155811944db5b22205d1132e8232_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzItMy0xLTEtNzE0Nzc0_feb0272e-2319-4e43-9a7d-47e52bd95adf">27,259</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retained earnings and equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia07971dcab3443d7b606c4ec7298e256_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzMtMS0xLTEtNzE0Nzc0_07fbedeb-6307-4318-90d9-cc2d8bde4f74">31,436</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i95e1dde8a4684c4ca0cd596b525d6afa_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzMtMi0xLTEtNzE0Nzc0_dc1d68b1-cb40-463c-aa2a-701dcd477a93">30,745</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i792caa7ff8f34f1bbd621996b27c7831_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzMtMy0xLTEtNzE0Nzc0_6f9e896a-53f7-42de-9f7f-8d3f75f5764c">29,974</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other accumulated income and other reserves</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i153a3651d22148caa19210d4357ed5d2_I20221231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzQtMS0xLTEtNzE0Nzc0_1097089c-6b94-4741-8f19-c36e4dd91ead">13,952</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="idc215aa8e6f24ec3b94f18b3b4d4b6b0_I20211231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzQtMi0xLTEtNzE0Nzc0_1bb54b42-8fa5-40d7-ae26-db0d810d98a3">17,200</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1bb22b1ce6c54f23a69fe88899ff1a5a_I20201231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzQtMy0xLTEtNzE0Nzc0_821f2a4c-95f6-4a94-8766-6469632846da">14,023</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Minority interests</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if84a74ad5cd041f7bef1fbe0b8344bee_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzUtMS0xLTEtNzE0Nzc0_0b888fb6-8422-41c3-96e2-8a6ebacfff6a">1,853</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c25f44e50b5474d96570cbe6e30c379_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzUtMi0xLTEtNzE0Nzc0_78e84745-0ccd-4a63-9712-7b7ae0f69a2d">2,800</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie601fd9473334b3fab93c923d621e756_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzUtMy0xLTEtNzE0Nzc0_c8194493-c3b8-4e95-a236-5c9f34350754">3,656</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interim attributable profit</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i147dbf54dc924017bb88393d8b7c1b42_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzYtMS0xLTEtNzE0Nzc0_78162145-6097-4c35-97ee-e8ede810f60e">3,814</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6b4db9e43076498cb9a913703a78faa9_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzYtMi0xLTEtNzE0Nzc0_eebf01e7-ccbd-47a2-b589-0bbcce5aaf88">2,573</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia486dbf3afc44439ba2612d2aca2a6a3_I20201231" decimals="-6" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzYtMy0xLTEtNzE0Nzc0_31870e29-a3cc-470e-b7c7-66888b59c73a">860</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Common Equity Tier I (CET1) before other regulatory adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic7f4fc0942074bd882d6eb925ccce21c_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzctMS0xLTEtNzE0Nzc0_08ae0a00-9afe-473b-a637-6c7fba7c27aa">46,962</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic06bb4d259614ccc98d7b398472ec7a0_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzctMi0xLTEtNzE0Nzc0_a55b113b-a258-4cd4-af91-399ae5852bff">45,784</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0e9827fecc174c82800cb42d27e0e714_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzctMy0xLTEtNzE0Nzc0_21b235bc-91d2-497c-9b61-b12fe780e426">47,726</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill and intangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i40e8f3fa18f641c8b998f4e4176dbbd0_I20221231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzgtMS0xLTEtNzE0Nzc0_c591d7e6-0b2c-496c-9166-94bf512f3fae">1,395</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icd9854ee4ea044d5a2452c434b414bdc_I20211231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzgtMi0xLTEtNzE0Nzc0_7dae827a-9b41-4092-9d19-01c2ad117256">1,484</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic17b7b9d3b2c4dd5a2595c99360cffe4_I20201231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzgtMy0xLTEtNzE0Nzc0_eacda167-3ec3-4bd3-933e-a60da9b3a778">3,455</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Direct, indirect and synthetic holdings in own Common Equity Tier I instruments</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92e1d3aa33bc479baca3a890fd05325c_I20221231" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzktMS0xLTEtNzE0Nzc0_00bf62f7-bccb-4461-91a5-bb09c3466a92">356</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i14d56361ed8042dc8ed030a42ed1b136_I20211231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzktMi0xLTEtNzE0Nzc0_933e963a-680f-4e7b-831c-278d2379d135">2,800</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i70f432bf7ea542ebb425e31761dce417_I20201231" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzktMy0xLTEtNzE0Nzc0_e8378d0b-9a7e-49e7-ae3d-af90cdba4a4f">366</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9b6f171805b840189e604a360ac84d90_I20221231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEwLTEtMS0xLTcxNDc3NA_3b8ce31f-8d4e-49b2-8f72-44246fdcc3fc">1,057</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic44f700507bd41e1bbb0c56305778beb_I20211231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEwLTItMS0xLTcxNDc3NA_c7f9399b-4929-48b7-8e88-a9334e51717f">1,009</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2eeb639ea8c44704811ed9655bc96ef7_I20201231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEwLTMtMS0xLTcxNDc3NA_e737783e-7499-4230-b788-248ac323cc26">1,478</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other deductions and filters</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib38e323d608b4d00bd9bb326355d73e9_I20221231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzExLTEtMS0xLTcxNDc3NA_687d56f7-4114-4712-971d-72fcdab66bf2">1,416</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia16f11177c2d413e814d6254b8af11b4_I20211231" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzExLTItMS0xLTcxNDc3NA_bdb276a4-ae4a-48a5-a981-8a957889ece1">542</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82621ad91d14443aa947e308a179921b_I20201231" decimals="-6" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzExLTMtMS0xLTcxNDc3NA_939ff6c6-999b-418b-b537-a5425f189738">504</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total common equity Tier 1 regulatory adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iddd3dbdef71646fe8dc82e67f6900757_I20221231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEyLTEtMS0xLTcxNDc3NA_c4af77d0-9a66-4304-a023-106a21b49420">4,223</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic8684c933312400e95a56ca8c5979203_I20211231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEyLTItMS0xLTcxNDc3NA_a40b6f4e-e13a-47e6-8747-5fa564772d7a">5,835</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib1200ffb36da4d948a4b009950dee3dc_I20201231" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEyLTMtMS0xLTcxNDc3NA_3056eca2-4ec0-4b9f-b901-1e6192a5dace">4,795</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Common equity TIER 1 (CET1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d51894a20304c4ba051592b0e05e766_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEzLTEtMS0xLTcxNDc3NA_990d2b0b-f56d-45a6-a8ce-7dca80c49ea3">42,738</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifa1711baec624c9299a567285e33df5a_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEzLTItMS0xLTcxNDc3NA_08d2db5e-79e6-428d-b80c-4fb9065a13ff">39,949</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37110e20fc574cb6bcec10dde892e725_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzEzLTMtMS0xLTcxNDc3NA_1854c7b1-9270-44c7-b82c-2e5541dbaa57">42,931</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital instruments and share premium accounts classified as liabilities and qualifying as Additional Tier I</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0ff0e57824c4a6b96e7dc136b4a268d_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE0LTEtMS0xLTcxNDc3NA_1e509af4-0273-4b05-9073-cb67f4fc763c">4,875</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibb926bfbf6b543c587b7760779b956c2_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE0LTItMS0xLTcxNDc3NA_5541802f-db67-40ec-9592-c0a7178c82bb">5,265</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i336f0220c8ef43afa75f17336f932c30_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE0LTMtMS0xLTcxNDc3NA_ad462af5-e66f-4ba5-bcf2-4b05eee66382">6,130</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Qualifying Tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i00a8fab27eae40ff9da0051529d82a75_I20221231" decimals="-6" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE1LTEtMS0xLTcxNDc3NA_39179e6a-14c6-4f64-9d1d-64827e106ed4">318</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i59e1f243277a4fd1a819cd9cec12ec15_I20211231" decimals="-6" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE1LTItMS0xLTcxNDc3NA_86911cae-13e0-4c7e-9846-a1c86093b6ff">472</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02cfb542b7374b308a3163c99a3b9ab5_I20201231" decimals="-6" name="bbva:TotalTier1" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE1LTMtMS0xLTcxNDc3NA_d8de935a-11a9-41a7-b1b8-cb6ec77f6f52">536</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Additional Tier 1 (CET 1) before regulatory adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifdda8f4a07c44ee596b0b6d44ac166e4_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE2LTEtMS0xLTcxNDc3NA_60ed317f-9ca7-48d4-bdcd-129445d8193f">5,193</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icfa1e4c4c9aa41a2bf0d49dcb32c2533_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE2LTItMS0xLTcxNDc3NA_a2999d99-85e9-4eb0-8652-e74f392532f6">5,737</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fd9bb10519946ce89c13d29ddd57635_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE2LTMtMS0xLTcxNDc3NA_7f5bea54-e871-47d3-9e4e-cf3456d1e505">6,666</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transitional CET 1 adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i397eac7c7aa945ef84fb539c05041769_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE3LTEtMS0xLTcxNDc3NA_5433de19-26e7-4072-af2b-e31a6c6f1760">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icaa2e609f6fe4770aa1e33d90b9b62b3_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE3LTItMS0xLTcxNDc3NA_f2d252ff-95d2-4df8-9b1d-eb483311729d">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2e31de41b704782a07d7e3ca9e10e39_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE3LTMtMS0xLTcxNDc3NA_5440756e-1a2a-4cff-a33d-71707d5b420f">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total regulatory adjustments to additional Tier 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3d7680db50784b12825712edd526dfe6_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE4LTEtMS0xLTcxNDc3NA_8a03786c-1b8c-4dac-ab88-0c990f532080">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib19e8380abad4ec1b7328ae658193bde_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE4LTItMS0xLTcxNDc3NA_fd78e223-53b7-4181-a7d8-12554090f699">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd4bd56d33424dcea4599bebd469b992_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE4LTMtMS0xLTcxNDc3NA_adcaeaf6-9084-4160-8126-c15495725b7f">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Additional Tier 1  (AT1) </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie385a12ff5704a56943a0a19975f1d43_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE5LTEtMS0xLTcxNDc3NA_b6b4623c-6bcb-4245-963c-dd8f488956b2">5,193</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb6f7cb5cb064b6f8e0e8d7463a08d84_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE5LTItMS0xLTcxNDc3NA_998036f7-e05b-46a2-b4f3-d3b4da49e5bf">5,737</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3125ff3fbd544d4bb56c7083b69f49e8_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzE5LTMtMS0xLTcxNDc3NA_286d4774-c092-4fa0-920f-47f12723f5fd">6,666</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tier 1 (Common equity TIER 1+ additional TIER 1)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIwLTEtMS0xLTcxNDc3NA_da3d89d5-a040-48c3-b6db-6e9b3458f393">47,931</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIwLTItMS0xLTcxNDc3NA_9604887d-4571-41d4-ad53-0367b4bebd3d">45,686</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIwLTMtMS0xLTcxNDc3NA_4dd1f5ed-8fda-49eb-bb4b-547fbd5a22eb">49,597</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital instruments and share premium accounted as Tier 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia83a63bbea094cb59a87df43fb9abb01_I20221231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIxLTEtMS0xLTcxNDc3NA_c413f3d3-1719-4e40-bfd3-c239f11778ab">3,510</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib7ef971806d14f9b82fda6c1875f7bb8_I20211231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIxLTItMS0xLTcxNDc3NA_5e88de69-524d-47eb-a685-522edc239c68">4,324</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6ca2cb91a9bf4203bfa202de218f7d24_I20201231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIxLTMtMS0xLTcxNDc3NA_21cbfb35-a951-4148-9f08-0bdafee4d84c">4,540</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Qualifying Tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98f20cfee43144dfb515a4520952204e_I20221231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIyLTEtMS0xLTcxNDc3NA_5abc2869-a09b-41a1-8bf8-9f109a8fe6a0">2,310</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ief2464748c394022ac98ce6d404fdd6d_I20211231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIyLTItMS0xLTcxNDc3NA_a7f8e773-eecf-431f-8de5-821ba5725123">2,516</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82c6a8796709430985b69e055bf92b53_I20201231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIyLTMtMS0xLTcxNDc3NA_6b6e1c72-9dcd-4d3e-b56f-06a549d36487">3,410</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0595816e30c9402cb43eda60e4c73779_I20221231" decimals="-6" name="bbva:TotalCapitalTier2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIzLTEtMS0xLTcxNDc3NA_5b35411f-d39e-4562-89ef-6fb3c91b909c">213</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87f9ad44c7244e88aeb78c6b2beb52e5_I20211231" decimals="-6" name="bbva:TotalCapitalTier2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIzLTItMS0xLTcxNDc3NA_33d1e996-1ff0-4955-a18f-f009f34aebdb">722</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6797af0747744df3ac79e5006acb3618_I20201231" decimals="-6" name="bbva:TotalCapitalTier2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzIzLTMtMS0xLTcxNDc3NA_f107025b-e507-41d3-8a0b-c3087d53beb6">604</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tier 2 before regulatory adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i61bba6aa452e4685a6f00d6e8b1ac070_I20221231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI0LTEtMS0xLTcxNDc3NA_ae60b686-e9f5-4c82-992c-1dddd000b7ce">6,033</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id4a852fdb6bb421db7e8d24c95cfdbc3_I20211231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI0LTItMS0xLTcxNDc3NA_8e97aa0e-4afd-41e5-8600-1135e3fb6e9e">7,562</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia09047f7d56f4b25bd6350a5d6bac7ff_I20201231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI0LTMtMS0xLTcxNDc3NA_ce601432-f255-4a60-9f79-4874a43b34b9">8,554</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tier 2 regulatory adjustments </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib4ba7699df314aa699cfe50e5a19db79_I20221231" decimals="-6" sign="-" name="bbva:TotalCapitalTier2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI1LTEtMS0xLTcxNDc3NA_1fe9533f-698a-41a1-ab03-5c9e4fc33e00">103</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i5c30671049124f79a843f8bef1c22adb_I20211231" decimals="-6" sign="-" name="bbva:TotalCapitalTier2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI1LTItMS0xLTcxNDc3NA_43ad52ca-1679-4454-a806-ef3ff5838e98">179</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i922920fd88214393b062f8ec0485d727_I20201231" decimals="-6" sign="-" name="bbva:TotalCapitalTier2" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI1LTMtMS0xLTcxNDc3NA_63b5678b-6ea4-49ce-a4af-c74a78e84086">6</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tier 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI2LTEtMS0xLTcxNDc3NA_623d24b5-6164-4d03-8202-c1040abd7693">5,930</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI2LTItMS0xLTcxNDc3NA_87f35bd7-c4b9-47b1-a4da-b89aa899aab2">7,383</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI2LTMtMS0xLTcxNDc3NA_8513359d-3f91-480c-bac4-6645784b631d">8,547</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total capital (Total capital=Tier 1 + Tier 2)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalCapitalTier1Tier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI3LTEtMS0xLTcxNDc3NA_7ec21a19-8201-4678-966e-befce5c3e093">53,861</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalCapitalTier1Tier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI3LTItMS0xLTcxNDc3NA_975a2826-1e0e-411a-9adc-b4564e508f7e">53,069</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalCapitalTier1Tier2" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI3LTMtMS0xLTcxNDc3NA_c81b172d-4ad6-465a-8018-6c26e8c8161d">58,145</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total RWA</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalRWA" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI4LTEtMS0xLTcxNDc3NA_e6759957-9185-4f52-b9e7-8e9ef456b84d">337,066</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalRWA" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI4LTItMS0xLTcxNDc3NA_11639fb0-4a4f-46db-93ba-6953b6518f1c">307,795</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalRWA" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI4LTMtMS0xLTcxNDc3NA_f1a25b91-29e2-447c-a224-e185138cde4c">353,273</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CET 1 (phased-in)</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="icd6b814111b34cbfa57d857c3b31263b_I20221231" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90YWJsZTpmMzI1ODBiMWMwYTQ0NGM2OGRmNGY1MWI1NWU4OTE0Ny90YWJsZXJhbmdlOmYzMjU4MGIxYzBhNDQ0YzY4ZGY0ZjUxYjU1ZTg5MTQ3XzI5LTEtMS0xLTcxNDc3NA_a32e6c96-c497-4ba4-9536-d558e9ac8f91">12.68</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i2daea56e7cf9453ca70f68cc9c46451c_I20211231" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85NzkvZnJhZzplN2M0ZDkzNTcxNTc0OTZjYjA3ZDJiZTE5MjdhYTNkMC90ZXh0cmVnaW9uOmU3YzRkOTM1NzE1NzQ5NmNiMDdkMmJlMTkyN2FhM2QwXzMzMjA_0089ffd5-5b85-4aa0-95d0-d21d771ea10c" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) With respect to 2021, it includes mainly the amount of shares pending to be acquired under the share buyback program based on the maximum limit authorized by the ECB for the BBVA Group as of December 31, 2021 (see Note 4).</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the Common Equity Tier 1 (CET1) fully-loaded ratio stood at 12.61% which represented a reduction of -14 basis points with respect to 2021, with the CET1 phased-in ratio at 12.68%, which represented a reduction of -30 basis points with respect to 2021. The difference between the CET1 fully-loaded ratio and the CET1 phased-in ratio is mainly explained by the effect of the transitory adjustments for the treatment in the solvency ratios of the impacts of IFRS 9.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These ratios include the effect of the corporate transactions carried out during the year, with a combined impact of -38 basis points of CET1. These transactions are the agreement reached with Neon Payments Limited in the first quarter of 2022, the voluntary takeover bid for Garanti BBVA and the acquisition of 100% of Tree from Merlin in the second quarter of 2022 (see Notes 3 and 17). In addition, these ratios include the positive impact of the downward reversion of the estimated impact of the share buyback program recorded as of December 31, 2021, as well as the impact on equity of the effect of hyperinflation on results. Excluding these impacts during the year, BBVA recorded a profit which, net of shareholder remuneration and payments made in respect of BBVA&#8217;s contingent convertible bonds (CoCos), contributed by +106 basis points to the CET1 ratio and offset the increase in RWAs, the impact of changes in exchange rates and volatility as well as year-on-year regulatory differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Risk-weighted assets (RWAs) increased by approximately &#8364;30 billion, mainly as a result of the increase in the loan portfolio and the abovementioned year-on-year regulatory differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The additional Tier 1 capital ratio (AT1) stood at 1.54% (1.54% phased-in) at December 31, 2022, which included a reduction of &#8364;500 million due to the early redemption of a series of CoCos issued in 2017.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Tier 2 ratio stood at 1.79%, which represents a reduction of -58 basis points compared to December 31, 2021, mainly explained by the RWA growth during the year as well as the reduction in the computability of provisions from internal credit models. The phased-in Tier 2 ratio stood at 1.76%. The difference with the fully-loaded Tier 2 ratio relates mainly to the transitional treatment of certain subordinated issuances.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-159</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i5fb3705fe82f4a27abd1658ca7e4d305" continuedAt="i50e73e63d0684caa9add3e033bdf3785"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As result of the above, the total capital ratio stood at 15.94% as of December 31, 2022, and the total phased-in ratio stood at 15.98%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding MREL (Minimum Requirement for Own Funds and Eligible Liabilities) requirements, on March 8, 2022, the Bank announced that it had received a communication from the Bank of Spain of its minimum level of own funds and eligible liabilities requirement (MREL), as determined by the Single Resolution Board (SRB), repealing and superseding the previous MREL requirement communicated in May 2021. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with this new MREL communication, BBVA has to reach, by January 1, 2022, a volume of own funds and eligible liabilities equal to 21.46% of the total RWAs of its resolution group (the "MREL in RWAs"), of which 13.5% of the total RWAs of BBVA&#8217;s resolution group has to be fulfilled with subordinated instruments (the "MREL in RWAs subordination requirement"). The MREL in RWAs and the MREL in RWAs subordination requirement do not include the combined capital buffer requirement which, according to applicable regulations and supervisory criteria, is currently 3.26% (setting the MREL in RWAs including the combined capital buffer requirement at 24.72% and the MREL in RWAs subordination requirement including the combined capital buffer requirement at 16.76%). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022 BBVA met the MREL in RWAs requirement, being this ratio 26.45%. Finally, as of December 31, 2022, the MREL in Leverage Ratio (LR) is 11.14% and the subordination ratios in terms of RWA and in terms of LR were 21.74% and 9.16%, respectively.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_982"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">32.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i50e73e63d0684caa9add3e033bdf3785" continuedAt="i5992784eb3304327bf894f32497a2c27">Leverage ratio</ix:continuation></span></div><ix:continuation id="i5992784eb3304327bf894f32497a2c27" continuedAt="i4aa18a9c3df44423a9d1100d34cd3d8c"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The leverage ratio (LR) is a regulatory measure complementing capital designed to promote the financial strength of institutions in terms of indebtedness. This measurement can be used to estimate the percentage of the assets and off-balance sheet arrangements financed with Tier 1 capital, being the carrying amount of the assets used in this ratio adjusted to reflect the Group&#8217;s current or potential leverage of a given balance-sheet position (Leverage ratio exposure). </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LeverageRatioTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90ZXh0cmVnaW9uOmY3ZmEwMzM5MWQzMzQ2NzU5Yjg1YzUzOGU2MjdkODE2Xzc4OQ_1852b2d6-da97-47c8-9395-f95150cb41bf" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Breakdown of leverage ratio as of December 31, 2022, 2021 and 2020, calculated according to CCR, is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.684%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.306%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Leverage ratio</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:Tier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzItMi0xLTEtNzE0Nzc0_d95a26e4-e792-4574-a4bd-90a8aaeee59c">45,686</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:Tier1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzItMy0xLTEtNzE0Nzc0_1a15be88-9f6d-421f-9a8e-e629f264b482">49,597</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exposure to leverage ratio (millions of Euros) (b)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzMtMi0xLTEtNzE0Nzc0_dc20900b-f2d0-48c8-9fbc-b197210d09a6">671,789</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ExposureToLeverageRatio" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzMtMy0xLTEtNzE0Nzc0_426b8759-8eaf-4640-a5e1-37b447c55d61">741,095</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leverage ratio (a)/(b) (percentage)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="4" name="bbva:LeverageRatio" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzQtMS0xLTEtNzE0Nzc0_3f0f69fa-76d0-410a-bf01-f7266bd6bcba">6.49</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="4" name="bbva:LeverageRatio" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzQtMi0xLTEtNzE0Nzc0_addad852-2519-4195-9117-6c758e2c9ab8">6.80</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="4" name="bbva:LeverageRatio" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODIvZnJhZzpmN2ZhMDMzOTFkMzM0Njc1OWI4NWM1MzhlNjI3ZDgxNi90YWJsZTpmNjFkYzU5NjgyYWY0ZjA0YmZmN2YyZWU1NWQ5MGVhZC90YWJsZXJhbmdlOmY2MWRjNTk2ODJhZjRmMDRiZmY3ZjJlZTU1ZDkwZWFkXzQtMy0xLTEtNzE0Nzc0_6860979e-9868-41f2-84dd-47e54498f457">6.69</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;%</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, as of December 31, 2022, the phased-in leverage ratio, which includes the transitory treatment of certain capital elements (mainly the impact of IFRS 9), stood at 6.5%. Since March 2022, certain exposures to central banks are no longer excluded from the leverage ratio exposure in accordance with Regulation (EU) 2019/876 ("CRR-Quick fix"). </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_985"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">32.3</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i4aa18a9c3df44423a9d1100d34cd3d8c" continuedAt="i0e06401d613847bd9935838dfb075913">Capital management</ix:continuation></span></div><ix:continuation id="i0e06401d613847bd9935838dfb075913" continuedAt="i987aac6765ee44c29aec9374dea088d0"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The aim of capital management within BBVA and the Group is for both BBVA and the Group to have the necessary capital at any given time to develop the corporate strategy reflected in the Strategic Plan, in line with the risk profile set out in the Group Risk Appetite Framework.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this regard, BBVA's capital management is also part of the most relevant forward-looking strategic decisions in the Group's management and monitoring, which include the Annual Budget and the Liquidity and Funding Plan, with which it is coordinated &#8212; all with the aim of achieving the Group's overall strategy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Capital must be allocated optimally in order to meet the need to preserve the solvency of BBVA and the Group at all times. Together with the Group's solvency risk profile included in the Risk Appetite Framework (RAF), this optimal allocation serves as a guide for the Group's capital management and seeks a capital position that makes it possible to:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Anticipate ordinary and extraordinary consumption that may occur, even under stress;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Promote the development of the Group's business and align it with capital and profitability objectives by allocating resources appropriately and efficiently;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Cover all risks&#8212;including potential risks&#8212;to which it is exposed;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Comply with regulatory and internal management requirements at all times; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Remunerate BBVA shareholders in accordance with the Shareholder Remuneration Policy in force at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The areas involved in capital management in the Group shall follow and respect the following principles in their respective areas of responsibility:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Ensuring that capital management is integrated and consistent with the Group's Strategic Plan, RAF, Annual Budget and other strategic-prospective processes, to help achieve the Group's long-term sustainability.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Taking into account both the applicable regulatory and supervisory requirements and the risks to which the Group is&#8212;or may be&#8212;exposed when conducting its business (economic vision), when establishing a target capital level, all while adopting a forward-looking vision that takes adverse scenarios into consideration.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-160</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i987aac6765ee44c29aec9374dea088d0"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Carrying out efficient capital allocation that promotes good business development, ensuring that expectations for the evolution of activity meet the strategic objectives of the Group and anticipating the ordinary and extraordinary consumption that may occur.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Ensuring compliance with the solvency levels, including the minimum requirement for own funds and eligible liabilities (MREL), required at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Compensating BBVA shareholders in an adequate and sustainable manner.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Optimizing the cost of all instruments used for the purpose of meeting the target capital level at any given time</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To achieve the aforementioned principles, capital management will be based on the following essential elements:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">An adequate governance and management scheme, both at the corporate body level and at the executive level.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Planning, managing and monitoring capital properly, using the measurement systems, tools, structures, resources and quality data necessary to do so. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A set of metrics, which is duly updated, to facilitate the tracking of the capital situation and to identify any relevant deviations from the target capital level.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A transparent, correct, consistent and timely communication and dissemination of capital information outside the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">An internal regulatory body, which is duly updated, including with respect to the regulations and procedures that support adequate capital management.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_988"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">33.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90ZXh0cmVnaW9uOmIyNmRjMmViMzQ0NTQ5NzVhNjQ0OGUwOGE0NzIyNDcxXzMxNQ_82b7236e-28e1-4f66-be38-c1d8403da426" continuedAt="ic3e33b3a54644ba0ba6a6bcf8c0f0073" escape="true">Commitments and guarantees given</ix:nonNumeric></span></div><ix:continuation id="ic3e33b3a54644ba0ba6a6bcf8c0f0073" continuedAt="i22b83d811c2b4c9898533cac02902253"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:CommitmentsAndGuaranteesGivenTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90ZXh0cmVnaW9uOmIyNmRjMmViMzQ0NTQ5NzVhNjQ0OGUwOGE0NzIyNDcxXzMxNg_a645f1ea-b0a9-48f9-84ef-4444afc611e2" continuedAt="i379d17a6583e4934b3e8036d520a523c" escape="true">The breakdown of the balance under these headings in the consolidated balance sheets is as follows:</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><ix:continuation id="i379d17a6583e4934b3e8036d520a523c" continuedAt="id6b45099a8334e77ab352c8d60cfcd39"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:62.998%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.300%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commitments and guarantees given (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2.2</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzItMi0xLTEtNzE0Nzc0_e835dece-e321-4d28-b2e5-8114a952536d">136,920</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzItMy0xLTEtNzE0Nzc0_9ccf8da1-cc15-45f9-9138-eed0fef76dbf">119,618</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzItNC0xLTEtNzE0Nzc0_a26914ac-3cb8-4ed6-8c3c-8b2dbbd70a89">132,584</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired</span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01650fa292704a27b9146e02dc756518_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzMtMi0xLTEtNzE0Nzc0_f706169a-ed6d-4e79-a338-a2b39c9a6cd9">177</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibd7e71164d244442ad5b10e7e2fab83b_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzMtMy0xLTEtNzE0Nzc0_db8494ed-b287-42bd-8ac3-c0cadf8f51c1">171</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbd446f39a63486f9e160d4fc5eb2d17_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzMtNC0xLTEtNzE0Nzc0_ba1b26b1-5c4c-415e-a64e-1c9999455fc7">265</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8ca5ffbdc2d42309a22d45bebe4ad26_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzQtMi0xLTEtNzE0Nzc0_314d49f8-bf9e-4824-b19c-1c26d0bf50ad">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9256a11753d4f97b08b2d261ad9998f_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzQtMy0xLTEtNzE0Nzc0_eba2adf4-888b-4894-b567-bdff88512ff1">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if64cdc8b6df94e93a4f0f60a6150b5e6_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzQtNC0xLTEtNzE0Nzc0_0d76e2d1-86e5-4e55-8cf2-3fdd011c912e">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b455a6b9cbf40d9abf93ade58eea078_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzUtMi0xLTEtNzE0Nzc0_0d2c3b99-6148-4fd1-ab77-958930e26733">3,031</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad41402450c046c8b8a070ec045cf8c9_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzUtMy0xLTEtNzE0Nzc0_a4fdce1f-f182-40af-9a67-d0635f8e5fa1">3,483</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb14341f7bbc485ebfe47c330e345a62_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzUtNC0xLTEtNzE0Nzc0_5a30602b-9103-4945-8293-9285db1781bb">2,919</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42aa835c0f1e43ffa28543242dc63f0c_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzYtMi0xLTEtNzE0Nzc0_683f30ca-8044-4e1d-b0b7-1f54bb8f66bd">15,407</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5193b93bd3d7402cb6b6d87a88b92da8_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzYtMy0xLTEtNzE0Nzc0_343a8192-c9a5-47f5-91dd-4f1a7a39c170">16,085</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie07af01427e44af9b788e557d47f997a_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzYtNC0xLTEtNzE0Nzc0_10ad4639-add3-43d1-81f3-eae3f4bb4c9c">11,426</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6d4c6e869434d609394e6820d7dcf62_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzctMi0xLTEtNzE0Nzc0_b6dc3326-a066-4d63-8934-0d55a845dc88">5,895</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7473ea7a187349aab6b742dc44e17dee_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzctMy0xLTEtNzE0Nzc0_61ffa4f9-faea-4d75-816a-821ce74b7c71">4,583</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f5cac90aaaf41a2aaf0eab6395b6e6b_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzctNC0xLTEtNzE0Nzc0_95a60b18-f3b2-48c3-80da-593de24cb743">5,862</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic854f86878544c179f7a5e6f03d3dbc7_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzgtMi0xLTEtNzE0Nzc0_3bd0217e-d374-43bf-9ed8-87312643105c">68,120</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fe5dede888a45a3b7e303385d5c1a94_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzgtMy0xLTEtNzE0Nzc0_302e78d4-6f9f-4aeb-92cd-cce69ac8f4c9">59,475</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f9bb564207e4ae685b0377ba8312df4_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzgtNC0xLTEtNzE0Nzc0_cd3e9965-76b6-4caa-99bf-6a4ff43aece7">71,011</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13da234738944ff5af18f66d7ccaeb04_I20221231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzktMi0xLTEtNzE0Nzc0_32995e8b-90fb-45ca-84b8-8f82e63b632d">44,467</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0815c60bfed4dd5ac4757dda501f750_I20211231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzktMy0xLTEtNzE0Nzc0_2f96d477-90f8-45bd-a194-c303b46f39e1">35,991</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f3c6026d24b41e08d827e1ba97ededc_I20201231" decimals="-6" name="ifrs-full:GrossLoanCommitments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzktNC0xLTEtNzE0Nzc0_558e1161-7295-430e-8f49-5acbc7281207">41,366</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2.2</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEwLTItMS0xLTcxNDc3NA_3bc8e519-bf23-430d-b835-ea3d161f4e75">16,511</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEwLTMtMS0xLTcxNDc3NA_a396de26-9dae-4cc6-89ae-6f6e4ddfae07">11,720</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEwLTQtMS0xLTcxNDc3NA_6dde4f7d-a532-4c10-925a-99b9295caada">10,665</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01650fa292704a27b9146e02dc756518_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzExLTItMS0xLTcxNDc3NA_a4b73eed-d090-449e-852d-ffde88502c7d">281</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibd7e71164d244442ad5b10e7e2fab83b_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzExLTMtMS0xLTcxNDc3NA_421d085e-f0dd-4b14-a1a6-eb66eddae3db">245</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbd446f39a63486f9e160d4fc5eb2d17_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzExLTQtMS0xLTcxNDc3NA_8cb83d69-6d28-4dae-be74-b80cad46b505">290</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8ca5ffbdc2d42309a22d45bebe4ad26_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEyLTItMS0xLTcxNDc3NA_7222a933-e3a6-4f5b-b71c-cf6a09c2f489">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9256a11753d4f97b08b2d261ad9998f_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEyLTMtMS0xLTcxNDc3NA_05eeb3f3-e0e6-4d10-95af-21cbbcba6514">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if64cdc8b6df94e93a4f0f60a6150b5e6_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEyLTQtMS0xLTcxNDc3NA_ac65216c-0094-44bc-b4a8-e02da821682b">1</ix:nonFraction>&#160;</span></td><td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b455a6b9cbf40d9abf93ade58eea078_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEzLTItMS0xLTcxNDc3NA_f53282ce-7f2d-42db-a6eb-54c440e2a008">96</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad41402450c046c8b8a070ec045cf8c9_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEzLTMtMS0xLTcxNDc3NA_d264ff68-964c-4982-853d-d33e17a0d4a6">162</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb14341f7bbc485ebfe47c330e345a62_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzEzLTQtMS0xLTcxNDc3NA_b57596cc-b0de-4cf3-afd0-d8ce0a8a0185">132</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42aa835c0f1e43ffa28543242dc63f0c_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE0LTItMS0xLTcxNDc3NA_2c9e9f95-e4cc-44e1-9eb9-9b159f71789f">475</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5193b93bd3d7402cb6b6d87a88b92da8_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE0LTMtMS0xLTcxNDc3NA_3b6323c4-bac0-4d66-b7d8-50dc87a8910f">312</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie07af01427e44af9b788e557d47f997a_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE0LTQtMS0xLTcxNDc3NA_173d2cc7-8ea6-4852-beda-bb8d2122a6f7">339</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6d4c6e869434d609394e6820d7dcf62_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE1LTItMS0xLTcxNDc3NA_f2551195-1302-4989-8c56-3b44f1c042f6">1,263</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7473ea7a187349aab6b742dc44e17dee_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE1LTMtMS0xLTcxNDc3NA_a97fa6b0-0203-458c-9bc0-02a75c6075a2">1,026</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f5cac90aaaf41a2aaf0eab6395b6e6b_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE1LTQtMS0xLTcxNDc3NA_ff7415f4-bb25-4e01-846b-4fdf6b3a20b9">587</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic854f86878544c179f7a5e6f03d3dbc7_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE2LTItMS0xLTcxNDc3NA_58ee0c16-78fb-490f-ab5b-af428b8a7156">14,541</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fe5dede888a45a3b7e303385d5c1a94_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE2LTMtMS0xLTcxNDc3NA_a2363014-fac9-454b-b753-152fe92357e0">10,039</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f9bb564207e4ae685b0377ba8312df4_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE2LTQtMS0xLTcxNDc3NA_7a8a2c59-976f-4a29-be7f-eb36862fe754">9,376</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13da234738944ff5af18f66d7ccaeb04_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE3LTItMS0xLTcxNDc3NA_e95512d2-7fb7-4dbc-904b-7df663b2c1ce">135</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0815c60bfed4dd5ac4757dda501f750_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE3LTMtMS0xLTcxNDc3NA_fc77cbe0-df3c-4bd5-8abb-aac4c1cbf793">181</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f3c6026d24b41e08d827e1ba97ededc_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE3LTQtMS0xLTcxNDc3NA_fcf0935a-30a0-4c23-908c-d24a85011064">231</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other commitments given </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2.2</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE4LTItMS0xLTcxNDc3NA_db9f3599-cf1a-43f1-a685-486122201573">39,137</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE4LTMtMS0xLTcxNDc3NA_86c33630-625e-4490-90f4-0c7ee11a4c47">34,604</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE4LTQtMS0xLTcxNDc3NA_8a407abc-c4b0-4b43-8009-bcd8d4443597">36,190</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired </span><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i01650fa292704a27b9146e02dc756518_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE5LTItMS0xLTcxNDc3NA_1067f5e1-3630-4507-831a-2dbb566bc515">689</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibd7e71164d244442ad5b10e7e2fab83b_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE5LTMtMS0xLTcxNDc3NA_7ff68934-1b96-424c-97dd-f171bf2ef1e3">541</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icbd446f39a63486f9e160d4fc5eb2d17_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzE5LTQtMS0xLTcxNDc3NA_f864b6c9-719d-48b4-aaa1-bd436d5bb83f">477</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic8ca5ffbdc2d42309a22d45bebe4ad26_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIwLTItMS0xLTcxNDc3NA_e8c056ea-a8c0-4463-9fca-b6133b21e976">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if9256a11753d4f97b08b2d261ad9998f_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIwLTMtMS0xLTcxNDc3NA_f1616c90-57bb-45a8-83b7-dbd7a6dd9d1b">2</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if64cdc8b6df94e93a4f0f60a6150b5e6_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIwLTQtMS0xLTcxNDc3NA_23ed2744-f097-4513-94b0-ffbc1e2627e2">124</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9b455a6b9cbf40d9abf93ade58eea078_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIxLTItMS0xLTcxNDc3NA_1a65add9-d1eb-4e3d-9268-3f47fac21249">215</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad41402450c046c8b8a070ec045cf8c9_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIxLTMtMS0xLTcxNDc3NA_26ce8ef8-762f-45fd-bf26-c2fb71f71090">212</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="idb14341f7bbc485ebfe47c330e345a62_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIxLTQtMS0xLTcxNDc3NA_71c03399-6797-45cb-96bf-9b7888606491">199</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i42aa835c0f1e43ffa28543242dc63f0c_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIyLTItMS0xLTcxNDc3NA_b17029cd-c9ca-4d66-b28c-d2d56e594d46">4,134</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5193b93bd3d7402cb6b6d87a88b92da8_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIyLTMtMS0xLTcxNDc3NA_aa286b1d-a8c5-4a45-b279-154f531e8d39">4,266</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie07af01427e44af9b788e557d47f997a_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIyLTQtMS0xLTcxNDc3NA_246115a1-bddf-4355-b790-4881595a4283">5,285</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6d4c6e869434d609394e6820d7dcf62_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIzLTItMS0xLTcxNDc3NA_50fde812-03ac-4183-88d7-f69f2ec29e18">1,758</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7473ea7a187349aab6b742dc44e17dee_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIzLTMtMS0xLTcxNDc3NA_90786ee0-86ff-45a6-a215-12734f31a0b1">1,753</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1f5cac90aaaf41a2aaf0eab6395b6e6b_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzIzLTQtMS0xLTcxNDc3NA_145ed1fe-3197-485e-aece-8be0dd4ffabb">2,902</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic854f86878544c179f7a5e6f03d3dbc7_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI0LTItMS0xLTcxNDc3NA_8f04adbc-04a2-41dd-a4c2-ecf789163bb1">32,858</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5fe5dede888a45a3b7e303385d5c1a94_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI0LTMtMS0xLTcxNDc3NA_94eda52c-e4c3-4a4e-bbbe-18079ccf4add">28,224</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4f9bb564207e4ae685b0377ba8312df4_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI0LTQtMS0xLTcxNDc3NA_2727b74f-54fa-4819-b7fb-22e5eb477357">27,496</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households </span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i13da234738944ff5af18f66d7ccaeb04_I20221231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI1LTItMS0xLTcxNDc3NA_ef84c947-c2ff-4db8-88cf-e546c2d7e51c">171</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if0815c60bfed4dd5ac4757dda501f750_I20211231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI1LTMtMS0xLTcxNDc3NA_0a4a805b-9dd8-47dc-bcc0-4261fc4c541d">147</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2f3c6026d24b41e08d827e1ba97ededc_I20201231" decimals="-6" name="bbva:OtherCommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI1LTQtMS0xLTcxNDc3NA_c3b0c439-6fff-4cdb-b88a-17806e59c2d4">182</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2.2</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalLoanCommitmentsAndFinancialGuarantees" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI2LTItMS0xLTcxNDc3NA_485a2974-a772-4d87-b5b2-713e4046db8d">192,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalLoanCommitmentsAndFinancialGuarantees" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI2LTMtMS0xLTcxNDc3NA_457ceb78-595f-4559-8a52-f561104460c0">165,941</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalLoanCommitmentsAndFinancialGuarantees" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90YWJsZTphODQwOTEzZjY0NWM0MDQxYmJmMWM1NzM2MDJmMTE1ZS90YWJsZXJhbmdlOmE4NDA5MTNmNjQ1YzQwNDFiYmYxYzU3MzYwMmYxMTVlXzI2LTQtMS0xLTcxNDc3NA_af381db6-591c-4ace-b0f9-95bc356fb489">179,440</ix:nonFraction></span></td></tr></table></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85ODgvZnJhZzpiMjZkYzJlYjM0NDU0OTc1YTY0NDhlMDhhNDcyMjQ3MS90ZXh0cmVnaW9uOmIyNmRjMmViMzQ0NTQ5NzVhNjQ0OGUwOGE0NzIyNDcxXzU3NzI0MzYwNDU5OTM5_2a971c1a-d731-42b8-8cd1-9110ecebdcf5" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="id6b45099a8334e77ab352c8d60cfcd39">(1) In December 2020, it includes the balance of the Group's businesses in the United States included in the USA Sale (see Notes, 3 and 21). Non-performing financial guarantees given amounted to &#8364;970, &#8364;786, and &#8364;767 million, respectively, as of December 31, 2022, 2021 and 2020.</ix:continuation> </ix:footnote></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022 and 2021, the provisions for loan commitments, financial guarantees and other commitments given, recorded in the consolidated balance sheet amounted to &#8364;243, &#8364;175 and &#8364;353; and &#8364;272 million, &#8364;164 million and &#8364;256 million, respectively (see Note 24).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-161</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i22b83d811c2b4c9898533cac02902253" continuedAt="i415817448f1548a69f5c786124abfdac">Since a significant portion of the amounts above will expire without any payment being made by the consolidated entities, the aggregate balance of these commitments cannot be considered to be the actual future requirement for financing or liquidity to be provided by the BBVA Group to third parties.</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i415817448f1548a69f5c786124abfdac">In the years 2022, 2021 and 2020, no issuance of debt securities carried out by associates of the BBVA Group, joint venture entities or non-Group entities have been guaranteed,</ix:continuation> </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_991"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">34.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTEvZnJhZzpmZWQ4NmIxYTU3ZmI0ZWJjYTE3ZWU5MDVhMzE0NTlhZi90ZXh0cmVnaW9uOmZlZDg2YjFhNTdmYjRlYmNhMTdlZTkwNWEzMTQ1OWFmXzIx_5b50c2be-5adf-4a8f-8d24-3f401ba7a89d" continuedAt="i977fa9cb6adc489e97ee1197585be24f" escape="true">Other contingent assets and liabilities</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i977fa9cb6adc489e97ee1197585be24f">As of December 31, 2022, 2021 and 2020 there were no material contingent assets or liabilities other than those disclosed in the Notes to the consolidated financial statements.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_994"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">35.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTQvZnJhZzo5NWM4OTU5MTZmYTg0NGQ1OGZiNmIxMjFkOWNmMWI3My90ZXh0cmVnaW9uOjk1Yzg5NTkxNmZhODQ0ZDU4ZmI2YjEyMWQ5Y2YxYjczXzEy_a2777e10-8684-45b5-91e5-4ce3c02ad465" continuedAt="i6b597907d5cb405ca6ee7cebec58418e" escape="true">Purchase and sale commitments and future payment obligations</ix:nonNumeric></span></div><ix:continuation id="i6b597907d5cb405ca6ee7cebec58418e"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The purchase and sale commitments of the BBVA Group are disclosed in Notes 10, 14 and 22.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Future payment obligations mainly correspond to leases payable derived from operating lease contracts, as detailed in Note 22.5, and estimated employee benefit payments, as detailed in Note 25.1.3.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_997"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">36.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TransactionsOnBehalfOfThirdPartiesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90ZXh0cmVnaW9uOmJiOTc5YzVhM2Y1MjQ2MDlhODdiZTJiOWVmNzVlZTAxXzEx_e7db6e3c-da01-4e03-9339-aeefae143517" continuedAt="i2c2f6b902a594b7ab121d339af141bdb" escape="true">Transactions on behalf of third parties</ix:nonNumeric></span></div><ix:continuation id="i2c2f6b902a594b7ab121d339af141bdb"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90ZXh0cmVnaW9uOmJiOTc5YzVhM2Y1MjQ2MDlhODdiZTJiOWVmNzVlZTAxXzEy_70b472d1-32b8-4e2e-a191-28dfbb16994f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The details of the relevant transactions on behalf of third parties are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:64.693%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.303%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Transactions on behalf of third parties. Breakdown by concepts (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments entrusted to BBVA by third parties</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:FinancialInstrumentsEntrustedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzItMi0xLTEtNzE0Nzc0_4e7d40e9-d250-4a86-a915-a9913ff69d48">352,139</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:FinancialInstrumentsEntrustedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzItMy0xLTEtNzE0Nzc0_811aba78-bedb-4390-b610-ea60d43e9582">356,985</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:FinancialInstrumentsEntrustedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzItNC0xLTEtNzE0Nzc0_ed80b61f-e50f-46d1-bc9b-06afd7ab4898">357,022</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Conditional bills and other securities received for collection</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzYtMi0xLTEtNzE0Nzc0_083e8145-6a49-4e87-b950-3396a7ac228b">11,738</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzYtMy0xLTEtNzE0Nzc0_a45bc07d-b75d-43fa-a9e9-b3e91acb2e51">10,795</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzYtNC0xLTEtNzE0Nzc0_7f7e28a5-5f58-4300-b260-288d48f0e384">10,459</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities lending</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:SecuritiesLendingOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzktMi0xLTEtNzE0Nzc0_f7ab7779-4575-488b-b965-d810458d2649">3,223</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:SecuritiesLendingOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzktMy0xLTEtNzE0Nzc0_96852b04-d71d-42c6-98e5-aaf3f4e87759">2,605</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:SecuritiesLendingOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzktNC0xLTEtNzE0Nzc0_4bea0c59-5955-41f1-aef4-c299de02b2dd">5,285</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:TotalTransactionsOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzEyLTItMS0xLTcxNDc3NA_c5552f6d-ff77-4d9d-9d73-b12b05ab258c">367,100</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:TotalTransactionsOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzEyLTMtMS0xLTcxNDc3NA_6d4edf41-f1b5-4b6f-9ea6-fbead60039be">370,385</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:TotalTransactionsOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV85OTcvZnJhZzpiYjk3OWM1YTNmNTI0NjA5YTg3YmUyYjllZjc1ZWUwMS90YWJsZTozMjllNWUzMGM3MTM0ODRiYmNhYTM0YzczM2IyODg0YS90YWJsZXJhbmdlOjMyOWU1ZTMwYzcxMzQ4NGJiY2FhMzRjNzMzYjI4ODRhXzEyLTQtMS0xLTcxNDc3NA_f0925db1-b8d1-41db-86ee-c525bcc7329e">372,766</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1000"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">37.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfNetInterestIncomeTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAwL2ZyYWc6YWY0ZjQ4MzU2NjA4NDQxMWI1YTJjZGY3NTZjZjM1NmQvdGV4dHJlZ2lvbjphZjRmNDgzNTY2MDg0NDExYjVhMmNkZjc1NmNmMzU2ZF81_414d18a3-0efb-4bbd-a3e4-4199e60f8c52" continuedAt="i0f0b1dbd1738470bb2b98658d4682759" escape="true">Net interest income</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1003"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">37.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i0f0b1dbd1738470bb2b98658d4682759" continuedAt="i7e796300a98847c19c5ec7e6952153ad">Interest and other income</ix:continuation></span></div><ix:continuation id="i7e796300a98847c19c5ec7e6952153ad" continuedAt="icd8b3ef51cf9448aa64b79fbf3d530f8"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:InterestIncomeBreakdownByOriginTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGV4dHJlZ2lvbjpiNGU1NjRhYWZiODc0NjAwOGNkMDc4MDA3NWMzZWQwNV8xMDY_732d7a44-f1a8-420b-bbd8-64cf5dcc5c57" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the interest and other income recognized in the consolidated income statement is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.071%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.845%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest and other income. Breakdown by origin (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV8yLTItMS0xLTcxNDc3NA_0d569952-7e33-4d73-8edf-d5c196e54b53">2,079</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV8yLTMtMS0xLTcxNDc3NA_afbc3c53-daa8-420b-b7e3-c40bf3170dd6">1,084</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV8yLTQtMS0xLTcxNDc3NA_9833a8cb-a49a-43ad-b261-a631ddd5ae5a">1,189</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV81LTItMS0xLTcxNDc3NA_0cdb537d-5001-4a64-8b2e-78092e42d827">3,110</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV81LTMtMS0xLTcxNDc3NA_3d614df4-9d88-409a-84d4-24c9f630fdf2">1,880</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV81LTQtMS0xLTcxNDc3NA_d39a8395-fad8-4b65-a534-d775908d829c">1,392</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV82LTItMS0xLTcxNDc3NA_852361e9-b4f1-4751-abe8-8139bbdb8b64">25,258</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV82LTMtMS0xLTcxNDc3NA_f54a2a4f-803c-403e-a753-ce830824cb66">18,364</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV82LTQtMS0xLTcxNDc3NA_c982e76b-5298-4b57-b8e9-af525ae69aa7">18,357</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestIncomeForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV83LTItMS0xLTcxNDc3NA_04126445-b464-4927-bd9d-e18c313724e8">1,309</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestIncomeForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV83LTMtMS0xLTcxNDc3NA_930dae1c-81b3-4a7a-bc59-44418f581de2">1,084</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestIncomeForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV83LTQtMS0xLTcxNDc3NA_a37d2aa3-2c16-477e-a5a3-6cc65af18957">1,021</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments of income as a result of hedging transactions </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV84LTItMS0xLTcxNDc3NA_f3f25d5e-436b-4318-a6c7-1242c3b135e7">825</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV84LTMtMS0xLTcxNDc3NA_485380b9-e7b1-4943-a8a9-96b908539061">84</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV84LTQtMS0xLTcxNDc3NA_b927e04a-2102-4cc5-9009-fd9c3830d20b">112</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestIncomeOnOtherIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV85LTItMS0xLTcxNDc3NA_7b0d502d-77ce-46d7-b0bd-18a6095e1031">501</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestIncomeOnOtherIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV85LTMtMS0xLTcxNDc3NA_df17030e-c88d-4e38-9515-8a5703daabe7">686</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestIncomeOnOtherIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV85LTQtMS0xLTcxNDc3NA_500d0dd9-d216-4711-886a-caf9c2327f24">542</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV8xMC0yLTEtMS03MTQ3NzQ_dd9590e5-1dfa-4efc-810b-898983f17d24">31,432</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV8xMC0zLTEtMS03MTQ3NzQ_597114f2-290f-4217-918f-5af3388a3591">23,015</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGFibGU6NTkwNmJmOTRkMzFhNDM1NWFmOTNlZjUzOGU2MmE0NTUvdGFibGVyYW5nZTo1OTA2YmY5NGQzMWE0MzU1YWY5M2VmNTM4ZTYyYTQ1NV8xMC00LTEtMS03MTQ3NzQ_02676729-d12e-427e-a618-76bd2f6b1007">22,389</ix:nonFraction></span></td></tr></table><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDAzL2ZyYWc6YjRlNTY0YWFmYjg3NDYwMDhjZDA3ODAwNzVjM2VkMDUvdGV4dHJlZ2lvbjpiNGU1NjRhYWZiODc0NjAwOGNkMDc4MDA3NWMzZWQwNV81NzE3NDYwNDY0NTk4NA_50bec4ab-d66e-4936-bcd6-3398df1f67d8" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1)</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">Includes, among others, </span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%">the </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">net </span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%">interest </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">income </span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%">accrued from </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">funds obtained through </span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%">TLTRO III operations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">, which amounted</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> to &#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">177</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> million</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">, &#8364;384 million</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> and &#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">211</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> million</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">, as of December 31, 2022, 2021 and 2020, respectively (see Note 22.1).</span></ix:footnote></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts recognized in consolidated equity in connection with hedging derivatives for the years ended December 31, 2022, 2021 and 2020 and the amounts derecognized from the consolidated equity and taken to the consolidated income statements during those years are included in the &#8220;Consolidated statements of recognized income and expense&#8221;.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-162</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1006"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">37.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="icd8b3ef51cf9448aa64b79fbf3d530f8" continuedAt="idd72148c101e4971982bdd01c955c310">Interest expense</ix:continuation></span></div><ix:continuation id="idd72148c101e4971982bdd01c955c310"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:InterestExpenseBreakdownByOriginTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGV4dHJlZ2lvbjozNWMzZTNlZmUzZTk0N2Q0OTdmODU2Y2Q1MDQ1NTg3Yl8xMw_6edcac8e-5052-46cc-899f-0489306fffab" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated income statements is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:67.929%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.225%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest expense. Breakdown by origin (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV8yLTItMS0xLTcxNDc3NA_eff13007-d72f-4376-972d-b23a7af61790">1,140</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV8yLTMtMS0xLTcxNDc3NA_4a2bee13-949b-4a57-be67-7cb181f087e2">1,339</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV8yLTQtMS0xLTcxNDc3NA_35c4e9b1-09fb-4cbe-9e1e-54ed6c505408">742</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value through profit or loss </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV8zLTItMS0xLTcxNDc3NA_c90a5324-538a-4ea5-8430-f20917235f53">58</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV8zLTMtMS0xLTcxNDc3NA_13239c4f-9227-4b52-a34c-5c94b8e22164">52</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV8zLTQtMS0xLTcxNDc3NA_cf7f7f9f-a82c-4e5a-968f-980238a14a4e">61</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV80LTItMS0xLTcxNDc3NA_019eae87-2c56-4c04-acab-4baf026e5072">9,985</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV80LTMtMS0xLTcxNDc3NA_225e7340-5b05-4b25-94ff-c7a0711237ba">6,130</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV80LTQtMS0xLTcxNDc3NA_6f4d66ee-b067-4db4-8faa-8df20d1b855b">6,346</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments of expense as a result of hedging transactions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV81LTItMS0xLTcxNDc3NA_336ec768-50c8-4977-aea4-300616626e67">232</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV81LTMtMS0xLTcxNDc3NA_240f4588-7afb-42fe-8446-c33b6fcdb371">360</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV81LTQtMS0xLTcxNDc3NA_72ec4a32-2918-4fce-af3f-f0f3bd104d3c">413</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestExpenseForInsuranceActivity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV82LTItMS0xLTcxNDc3NA_91510a62-ab76-462d-99d2-37992a6d58b1">919</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestExpenseForInsuranceActivity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV82LTMtMS0xLTcxNDc3NA_7cdfe40f-2289-4821-809d-c0a846b99b7a">773</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestExpenseForInsuranceActivity" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV82LTQtMS0xLTcxNDc3NA_442247a5-bccb-4295-b258-d60b9315adc8">721</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost attributable to pension funds</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestExpenseOnChargeableCostToPensionFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV83LTItMS0xLTcxNDc3NA_3dc90bd2-2ec2-4170-b60b-ce106ee7f339">76</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestExpenseOnChargeableCostToPensionFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV83LTMtMS0xLTcxNDc3NA_c31db5d6-ed2f-4b7e-ba2b-752b452d2673">52</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestExpenseOnChargeableCostToPensionFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV83LTQtMS0xLTcxNDc3NA_5bda148a-f56c-44d0-8f99-54eda1f688ba">57</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherInterestExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV84LTItMS0xLTcxNDc3NA_5ea1a4f7-d20d-4fc2-a750-2883ca7f5659">333</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherInterestExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV84LTMtMS0xLTcxNDc3NA_376465ed-445f-47ad-9490-33932f69e42f">342</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherInterestExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV84LTQtMS0xLTcxNDc3NA_4d4f0fc1-e23b-42ee-9467-14cb607d3586">284</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV85LTItMS0xLTcxNDc3NA_f68a5616-8674-4f1e-a24f-06e5c77a40b3">12,279</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV85LTMtMS0xLTcxNDc3NA_a5bc7d5a-6ce6-4702-bebb-e470a2e61a19">8,329</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA2L2ZyYWc6MzVjM2UzZWZlM2U5NDdkNDk3Zjg1NmNkNTA0NTU4N2IvdGFibGU6NTg5YTQ5OTdmM2UzNDNjYzhkMzJhYzgwNGFjZTE4ZDkvdGFibGVyYW5nZTo1ODlhNDk5N2YzZTM0M2NjOGQzMmFjODA0YWNlMThkOV85LTQtMS0xLTcxNDc3NA_78b71284-23df-4ff8-9c5e-15aba803974d">7,797</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1009"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">38.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfDividendIncomeTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGV4dHJlZ2lvbjpkYTI1MzNjZjA1MWQ0NjBlOGI1Zjc3Y2Y3ZDM3ODMyNV8xMw_831cc5a6-02c5-4931-9d5d-0bffd5ca18da" continuedAt="i1b3af3ebd3c1471d8332ef9e454d19f7" escape="true">Dividend income</ix:nonNumeric></span></div><ix:continuation id="i1b3af3ebd3c1471d8332ef9e454d19f7"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DividendIncomeBreakdownByHeadlineTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGV4dHJlZ2lvbjpkYTI1MzNjZjA1MWQ0NjBlOGI1Zjc3Y2Y3ZDM3ODMyNV8xMg_a55c929d-c72d-4cb3-a32d-91d715851efd" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balances for this heading in the consolidated income statements correspond to dividends on shares and equity instruments other than those from shares in entities accounted for using the equity method (see Note 39), as can be seen in the breakdown below:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:68.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.103%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Dividend income (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9f48aff64def410281cb9f6d2fa7b8f9_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl8yLTItMS0xLTcxNDc3NA_499f83c2-bd54-40dd-a71a-5beaddfcdd74">15</ix:nonFraction></span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf31d0a3463f40549639a4e68e3c0c0e_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl8yLTMtMS0xLTcxNDc3NA_279b966b-f1de-435f-b1e3-a77d2858187c">64</ix:nonFraction></span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99a21add46b24aac9fb9819951a556fc_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl8yLTQtMS0xLTcxNDc3NA_5a4d87e2-6309-48cc-a5c5-e0e7a304d025">15</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if84935c08af84e36b74f6634b22705c4_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl8zLTItMS0xLTcxNDc3NA_cffda59e-2cd9-40f5-b522-e11eb7e3f09a">108</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7b2752f5547840a495955617e15c3bdb_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl8zLTMtMS0xLTcxNDc3NA_6548105d-d33f-4298-97f7-cd09362dc206">112</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0af1835998f543c587ab19e0d8a8a870_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl8zLTQtMS0xLTcxNDc3NA_0faaf5a7-998c-4c95-a4ff-31c43a8b9a51">122</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl80LTItMS0xLTcxNDc3NA_6d96f288-fe0b-4df9-9355-b7c8c82e5580">123</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl80LTMtMS0xLTcxNDc3NA_9d097397-1700-4f6f-ac55-dc745c6cbcf4">176</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDA5L2ZyYWc6ZGEyNTMzY2YwNTFkNDYwZThiNWY3N2NmN2QzNzgzMjUvdGFibGU6NjRkOWFiNTM1NzgxNDNmY2I3OGUxNWM2MjhjNTU3OGIvdGFibGVyYW5nZTo2NGQ5YWI1MzU3ODE0M2ZjYjc4ZTE1YzYyOGM1NTc4Yl80LTQtMS0xLTcxNDc3NA_dc12b5ef-892a-4804-ab39-81998bc166e5">137</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1012"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">39.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDEyL2ZyYWc6ZjNmMGQ1ZmRkMzc5NGIwMjllODY2ZjI3ZTgwOGU5OWUvdGV4dHJlZ2lvbjpmM2YwZDVmZGQzNzk0YjAyOWU4NjZmMjdlODA4ZTk5ZV8yNg_6ed13588-55ef-4a37-93a7-a29cba1889b6" continuedAt="i4563efad324e41309ae13e83159764de" escape="true">Share of profit or loss of entities accounted for using the equity method</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i4563efad324e41309ae13e83159764de">Results from &#8220;Share of profit or loss of entities accounted for using the equity method&#8221; resulted in a positive impact of &#8364;<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDEyL2ZyYWc6ZjNmMGQ1ZmRkMzc5NGIwMjllODY2ZjI3ZTgwOGU5OWUvdGV4dHJlZ2lvbjpmM2YwZDVmZGQzNzk0YjAyOWU4NjZmMjdlODA4ZTk5ZV8xMQ_ccbb0dac-9f15-431c-9e22-4fdfe4fa48be">21</ix:nonFraction> million as of December 31, 2022, compared with the positive impact of &#8364;1 million and the negative impact of &#8364;39 million recorded as of December 31, 2021 and 2020, respectively.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1015"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">40.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGV4dHJlZ2lvbjpkNTBlOTliZTc2YzM0ZmJkYTA2NTA3NGE5NmQ5MDhlNV8xOQ_325fb329-f1d4-42e8-adfe-4d1bf22603ed" continuedAt="i531202eac6da4ec2b8356bdc8a77fb9b" escape="true">Fee and commission income and expense</ix:nonNumeric></span></div><ix:continuation id="i531202eac6da4ec2b8356bdc8a77fb9b" continuedAt="iba221eb4879241db9839ffed047d6b86"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FeeAndCommissionIncomeTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGV4dHJlZ2lvbjpkNTBlOTliZTc2YzM0ZmJkYTA2NTA3NGE5NmQ5MDhlNV8xNw_4e6347f7-093e-44b6-850e-523fdd1cac2b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under these headings in the consolidated income statements is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:67.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.377%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.379%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fee and commission income. Breakdown by origin (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bills receivables</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:BillsReceivables" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yLTItMS0xLTcxNDc3NA_be4a860c-dead-45ab-9dcc-18a2c1e8be4c">26</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:BillsReceivables" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yLTMtMS0xLTcxNDc3NA_8eb0f119-6fbd-4089-9332-320108798b54">23</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:BillsReceivables" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yLTQtMS0xLTcxNDc3NA_bf023096-f788-414f-a9b7-79abfdfef8f5">27</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Demand accounts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:DemandAccount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zLTItMS0xLTcxNDc3NA_c8ef8f6f-3009-4530-bad1-dc8d1ec61065">424</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:DemandAccount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zLTMtMS0xLTcxNDc3NA_0e51ae56-6e11-46a4-8dc6-3b59bc039db7">425</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:DemandAccount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zLTQtMS0xLTcxNDc3NA_9b64d83f-6b67-40d3-9274-1388e04e874d">322</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit cards and POS</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:CreditAndDebitCards" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80LTItMS0xLTcxNDc3NA_b809194e-2b37-4a86-b240-019f682985da">3,499</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:CreditAndDebitCards" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80LTMtMS0xLTcxNDc3NA_c5928e11-6435-4604-bddc-1e1ed48d7c95">2,628</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:CreditAndDebitCards" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80LTQtMS0xLTcxNDc3NA_c0382f3c-5811-4409-988d-7dc8286bb3e2">2,089</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Checks</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:Checks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xMy0yLTEtMS03MTQ3NzQ_59e54f93-754d-4bff-a40b-cabdb10f41f1">162</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:Checks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xMy0zLTEtMS03MTQ3NzQ_b63d1325-1f1b-4eb9-8fba-dfba36f7f027">136</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:Checks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xMy00LTEtMS03MTQ3NzQ_154f6406-3f35-4fea-841f-0372da0ae30c">136</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers and other payment orders</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TransfersAndOtherPaymentOrders" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xNC0yLTEtMS03MTQ3NzQ_fbb664eb-2a95-49d9-9713-aea096d335ce">812</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:TransfersAndOtherPaymentOrders" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xNC0zLTEtMS03MTQ3NzQ_64218c17-aabb-4f9c-88da-cdd8c163a752">664</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TransfersAndOtherPaymentOrders" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xNC00LTEtMS03MTQ3NzQ_0f6f3ea1-7048-4b41-b7b9-ab72c4b759de">555</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance product commissions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InsuranceProductCommissions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xOC0yLTEtMS03MTQ3NzQ_c2e2c04e-ee64-4591-8bda-464f85a74129">261</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InsuranceProductCommissions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xOC0zLTEtMS03MTQ3NzQ_044415d1-824a-4c36-8800-d42026204e7b">215</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InsuranceProductCommissions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8xOC00LTEtMS03MTQ3NzQ_97481e6f-1c6b-4344-9d4e-994b7b795e7d">159</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:LoanCommitmentsGivenFeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yMi0yLTEtMS03MTQ3NzQ_0ca1536f-95dc-4ed4-871a-310a0c4bbd38">259</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:LoanCommitmentsGivenFeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yMi0zLTEtMS03MTQ3NzQ_5d283127-e848-482b-8f9e-871973990ef5">234</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:LoanCommitmentsGivenFeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yMi00LTEtMS03MTQ3NzQ_00cb0af7-31bc-4253-814c-de461838531e">185</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments and financial guarantees given</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherCommitmentsAndFinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yNi0yLTEtMS03MTQ3NzQ_6cd2e3d3-098c-41c7-94a4-f4c34b9cf9d2">420</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherCommitmentsAndFinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yNi0zLTEtMS03MTQ3NzQ_1471904c-8009-4c47-904f-dfb8b9ce0ddb">364</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherCommitmentsAndFinancialGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8yNi00LTEtMS03MTQ3NzQ_6d2ca890-40fb-4def-aa7c-2225fbae3c9f">349</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset management</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zMC0yLTEtMS03MTQ3NzQ_8fedc738-8b6f-4830-9e15-cdc092272820">1,228</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zMC0zLTEtMS03MTQ3NzQ_a497c84b-3677-4608-86d7-e59f1c8b550f">1,250</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zMC00LTEtMS03MTQ3NzQ_914bf3e1-485b-478a-ae2a-46c107b973d3">1,100</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities fees</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:BrokerageFeeIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zNi0yLTEtMS03MTQ3NzQ_70682a3b-e07b-4867-8e7e-2799a0ca4e26">266</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:BrokerageFeeIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zNi0zLTEtMS03MTQ3NzQ_8b5477a2-6404-4fba-8bd7-a56c71c755e7">267</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:BrokerageFeeIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV8zNi00LTEtMS03MTQ3NzQ_2421f5ef-c510-420e-8650-70c9f82ac938">367</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Custody securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:CustodySecuritiesIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80MC0yLTEtMS03MTQ3NzQ_83f974c9-8b33-41ab-a185-ae0b3ade5ff1">193</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:CustodySecuritiesIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80MC0zLTEtMS03MTQ3NzQ_6d451e7d-a17a-4949-9884-3fdc994dbc63">169</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:CustodySecuritiesIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80MC00LTEtMS03MTQ3NzQ_342026f7-3d42-4316-bfa7-c19ad5c2302d">135</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80NC0yLTEtMS03MTQ3NzQ_3785d6e4-aff5-4ee6-b58b-6dd6f921c089">711</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80NC0zLTEtMS03MTQ3NzQ_64630308-f858-4a86-b3b7-445e49aba54f">622</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV80NC00LTEtMS03MTQ3NzQ_52d5b806-ebe6-4bf1-ba58-cc0552fc5425">556</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV81OS0yLTEtMS03MTQ3NzQ_5affd5da-9f84-4864-96b0-f05af22a734b">8,261</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV81OS0zLTEtMS03MTQ3NzQ_7bfe394e-c7e4-4108-8c29-621051771c90">6,997</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6ZGJlZTc4ZmJjODJhNDQ0YWFiODEwNjI0OTI5MTYwZDkvdGFibGVyYW5nZTpkYmVlNzhmYmM4MmE0NDRhYWI4MTA2MjQ5MjkxNjBkOV81OS00LTEtMS03MTQ3NzQ_2ea06165-fae7-413f-9935-022df504202b">5,980</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-163</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iba221eb4879241db9839ffed047d6b86"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FeesAndCommissionExpenseTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGV4dHJlZ2lvbjpkNTBlOTliZTc2YzM0ZmJkYTA2NTA3NGE5NmQ5MDhlNV8xOA_050ac3ea-9519-45ce-9973-4772612acfe3" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of fee and commission expense under these heading in the consolidated income statements is as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:68.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.103%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fee and commission expense. Breakdown by origin (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Demand accounts</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:DemandAccounts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8yLTItMS0xLTcxNDc3NA_a0ee1574-6c2b-4296-8b4a-09204d1917c9">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:DemandAccounts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8yLTMtMS0xLTcxNDc3NA_b0bb02ca-d281-49e9-a397-133cabf60b4d">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:DemandAccounts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8yLTQtMS0xLTcxNDc3NA_5faf5aa1-954e-4898-9e12-25f0846f9117">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit cards</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:CreditAndDebitCardsExpenses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8zLTItMS0xLTcxNDc3NA_858ebf01-c60d-42c0-8195-275e7dce35d1">1,884</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:CreditAndDebitCardsExpenses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8zLTMtMS0xLTcxNDc3NA_658e9c8b-3cda-4c15-b062-c997d832f6b1">1,427</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:CreditAndDebitCardsExpenses" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8zLTQtMS0xLTcxNDc3NA_d566a58b-f7b3-4b9c-86a0-4a65978d542a">1,130</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers and other payment orders</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TransfersAndOtherPaymentOrdersExpenses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF84LTItMS0xLTcxNDc3NA_cd8910d1-7878-41d9-a188-f117ff2879a6">133</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:TransfersAndOtherPaymentOrdersExpenses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF84LTMtMS0xLTcxNDc3NA_055c9fe6-dd92-4f85-a9c7-a0cab4061fd9">120</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TransfersAndOtherPaymentOrdersExpenses" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF84LTQtMS0xLTcxNDc3NA_ffa176fb-65d5-4b12-835e-ad82a02c0d61">97</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commissions for selling insurance</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:CommissionsForSellingInsurance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xMS0yLTEtMS03MTQ3NzQ_9c4202b2-7fe1-4949-af8a-aa5d217ad5a9">70</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:CommissionsForSellingInsurance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xMS0zLTEtMS03MTQ3NzQ_10b9307c-b0c4-40ec-9de8-d530d3976751">51</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:CommissionsForSellingInsurance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xMS00LTEtMS03MTQ3NzQ_e2b5b2b6-8afa-432e-83b2-908d611c6206">54</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Custody securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:CustodySecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xNC0yLTEtMS03MTQ3NzQ_aa66bd30-ac3a-4e47-b37a-2c58ad92be89">92</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:CustodySecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xNC0zLTEtMS03MTQ3NzQ_257692f9-24d7-457e-9754-f4e03ee2be9b">55</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:CustodySecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xNC00LTEtMS03MTQ3NzQ_36966055-2435-4daa-8f8b-49ae01b7afa8">52</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xNy0yLTEtMS03MTQ3NzQ_f266ba8d-fd47-4ee9-a598-cdfd94b84518">723</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xNy0zLTEtMS03MTQ3NzQ_c92e7122-4213-42d5-8c37-07166b784739">574</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8xNy00LTEtMS03MTQ3NzQ_e9dba1e7-3f78-4add-a0e7-d780bd0a1e5d">519</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8yOS0yLTEtMS03MTQ3NzQ_2ab92430-3f10-45cd-9819-8795ee8ca510">2,907</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8yOS0zLTEtMS03MTQ3NzQ_cfb13338-7654-49a3-a1a5-13e011fbd385">2,232</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE1L2ZyYWc6ZDUwZTk5YmU3NmMzNGZiZGEwNjUwNzRhOTZkOTA4ZTUvdGFibGU6MWFjNWVhZDA0MWVjNGVmNmE2ODYwNjJmYzgwZGNiOTgvdGFibGVyYW5nZToxYWM1ZWFkMDQxZWM0ZWY2YTY4NjA2MmZjODBkY2I5OF8yOS00LTEtMS03MTQ3NzQ_8184657b-4547-40fb-b25a-ebe72038cca9">1,857</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1018"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">41.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangesDifferencesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGV4dHJlZ2lvbjoxOTE2MzY3OTgyMzQ0YWM4OTA4NDZiMDQ2YjFjMWIwNV8yMw_86c0ed29-8ae4-4a32-964b-1d4529ba9d28" continuedAt="ie055189cc4014205ad795deb4047c600" escape="true">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net</ix:nonNumeric></span></div><ix:continuation id="ie055189cc4014205ad795deb4047c600" continuedAt="id7303b0798b14aa5a059fcbbbf8974ac"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGV4dHJlZ2lvbjoxOTE2MzY3OTgyMzQ0YWM4OTA4NDZiMDQ2YjFjMWIwNV8yNA_65ddeccf-587a-49d0-90f9-9cb707728860" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading, by source of the related items, in the consolidated income statement is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:67.929%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.225%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8yLTItMS0xLTcxNDc3NA_c62df038-866a-40a7-8982-799d2d3f47f0">64</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8yLTMtMS0xLTcxNDc3NA_8827d5de-5887-40fd-b849-5ff571cebd04">134</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8yLTQtMS0xLTcxNDc3NA_0f19ecdc-27a5-4702-99ec-1dc8d94f9faf">139</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icebb2efd408e41749655704ca6598f9d_D20220101-20221231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8zLTItMS0xLTcxNDc3NA_e57b5bcf-77e1-4109-87f6-987e16a8b072">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c1feac327ec41829ac51a84c405e4e5_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8zLTMtMS0xLTcxNDc3NA_a558c11b-f0a9-443b-842f-13b36b3e475f">27</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i21a79264557d44eba47088f7d0e6c97f_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8zLTQtMS0xLTcxNDc3NA_f32138be-c6ec-4d3f-8030-7d0fdafe440b">106</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other financial assets and liabilities </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7606d201c53345179ec865ffae70bd6f_D20220101-20221231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl80LTItMS0xLTcxNDc3NA_48720b09-c7b6-430f-ac53-6e41f169a37a">56</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3da852bd3d7e43a2b5092b1997bdeee7_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl80LTMtMS0xLTcxNDc3NA_f57917ff-ead4-49b3-b654-a1d4d47a20b2">106</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63d27591098d49819df70af2618d2c61_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl80LTQtMS0xLTcxNDc3NA_d0b12e03-bdb2-4b77-8176-e9eec1587c40">33</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities held for trading, net</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl84LTItMS0xLTcxNDc3NA_e3868d14-0c86-4397-9ab1-a900bc5fd1e7">562</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl84LTMtMS0xLTcxNDc3NA_f469c669-492a-4159-b657-ec0fe820bb2d">341</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl84LTQtMS0xLTcxNDc3NA_01f47c9f-1740-4d9b-ad80-1224e27c738a">777</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from fair value through other comprehensive income</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8b3e443d99c4eef80b52a57302bf326_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl85LTItMS0xLTcxNDc3NA_306c23ae-233c-4fb4-a557-85158fdb175c">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99fa7c17dff74bc8840b5a8bc373132c_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl85LTMtMS0xLTcxNDc3NA_7ab6ec1e-c01f-4463-8492-e410968ae364">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i648e720055e64c5791b6e6a98e850398_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl85LTQtMS0xLTcxNDc3NA_fe6ee97b-07f6-4b23-881d-c5b3fb1cf4cc">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from amortized cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i353e95a6463e4c2caab9deb774439530_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMC0yLTEtMS03MTQ3NzQ_a9c2b915-431f-4634-9ee4-9c21aafd5a26">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98e67a6f650b48938a44e1cbfb8787d1_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMC0zLTEtMS03MTQ3NzQ_fa885cff-f6e3-4a62-9136-f9c768836df8">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc5c32345c1744d89b3b0d45c51fd68c_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMC00LTEtMS03MTQ3NzQ_b8a2ab80-e81c-4e9d-8361-183a5745ff4f">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other gains (losses)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a94b9b0f691428a94ac1320ae6a86fd_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMS0yLTEtMS03MTQ3NzQ_b3ff570e-904d-4644-a8b6-500733989161">562</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie477e39dd89b45f3a25d36d386e7a080_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMS0zLTEtMS03MTQ3NzQ_71b11c3a-ba44-48d4-bc7b-b7ce02cfc516">341</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i086ef1eda30347aeb6d1cc992fed1327_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMS00LTEtMS03MTQ3NzQ_1c083186-654a-4d60-8cac-a5968972de93">777</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMi0yLTEtMS03MTQ3NzQ_834a32ba-0cf7-4b0a-aebe-e48170b00853">67</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMi0zLTEtMS03MTQ3NzQ_d023fe09-36bd-46a2-989f-cd33f8232fb7">432</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMi00LTEtMS03MTQ3NzQ_b8feb35a-2317-42c1-b02e-a34c9ae52640">208</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from fair value through other comprehensive income</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if8b3e443d99c4eef80b52a57302bf326_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMy0yLTEtMS03MTQ3NzQ_e69d7f48-51a9-40af-a7e5-8aecca1b61b5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i99fa7c17dff74bc8840b5a8bc373132c_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMy0zLTEtMS03MTQ3NzQ_06603ea2-9ecf-415e-9d43-ff02aec1dd54">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i648e720055e64c5791b6e6a98e850398_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xMy00LTEtMS03MTQ3NzQ_5a100448-488e-48dc-acd0-5c4b84a7942a">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reclassification of financial assets from amortized cost</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i353e95a6463e4c2caab9deb774439530_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNC0yLTEtMS03MTQ3NzQ_9d05c5bf-84ea-44b8-9234-8153d2f5c1a5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98e67a6f650b48938a44e1cbfb8787d1_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNC0zLTEtMS03MTQ3NzQ_3ca7e18e-57f3-4f64-b126-c351a8c08cde">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icc5c32345c1744d89b3b0d45c51fd68c_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNC00LTEtMS03MTQ3NzQ_f6d77a2f-3697-404e-a657-45371c64d4a9">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other gains (losses)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1a94b9b0f691428a94ac1320ae6a86fd_D20220101-20221231" decimals="-6" sign="-" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNS0yLTEtMS03MTQ3NzQ_d79df1bc-7578-4891-8eb8-57536592a2e4">67</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie477e39dd89b45f3a25d36d386e7a080_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNS0zLTEtMS03MTQ3NzQ_a34a929b-1cc0-4196-b94a-811c20d0d823">432</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i086ef1eda30347aeb6d1cc992fed1327_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNS00LTEtMS03MTQ3NzQ_9f9b54a5-5f75-40bb-9f8e-e89c7523a24a">208</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNi0yLTEtMS03MTQ3NzQ_01443c99-b706-432e-9280-a6369ddfbe14">150</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNi0zLTEtMS03MTQ3NzQ_70c8db5e-bf78-4998-9a83-0c4c50bf5a5a">335</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNi00LTEtMS03MTQ3NzQ_7280bdf7-0a31-4b14-87b6-81dbfc1cc27a">56</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) from hedge accounting, net </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNy0yLTEtMS03MTQ3NzQ_8fd341e9-d54e-446a-8338-baca2c976074">45</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNy0zLTEtMS03MTQ3NzQ_9e8e3d8a-3d0d-44cb-805f-aa72ec5a94d5">214</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:GainsLossesOnHedgingInstrument" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xNy00LTEtMS03MTQ3NzQ_10bfdae7-5ed7-4e8a-a013-1fa0adc71675">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal gains (losses) on financial assets and liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xOC0yLTEtMS03MTQ3NzQ_7cc4f4f3-043d-4a00-98c7-f22850e68067">663</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xOC0zLTEtMS03MTQ3NzQ_902e0891-49af-4f0f-9a9b-c88e03a93dfa">1,027</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xOC00LTEtMS03MTQ3NzQ_f11442d2-8d8e-408b-8fe5-a45765c2b556">1,187</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences, net</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsOrLossesOnNetExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xOS0yLTEtMS03MTQ3NzQ_6f6ca744-cbd7-4b90-8ad1-15f2d1c30a43">1,275</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsOrLossesOnNetExchangeDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xOS0zLTEtMS03MTQ3NzQ_666a19a8-d965-40ea-baa1-282c5d765f85">883</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsOrLossesOnNetExchangeDifferences" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8xOS00LTEtMS03MTQ3NzQ_d9ee2793-d60f-4cf0-af8a-00a2b6555109">359</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8yMC0yLTEtMS03MTQ3NzQ_451ffa9b-75d6-4603-a175-692c0f400f60">1,938</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8yMC0zLTEtMS03MTQ3NzQ_d1d6af5b-a7e5-4874-b9b3-c1ad869c039d">1,910</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6OTA0MDIwZTU0NzU3NGExMjllZGNiNDViN2RhMjhhNGIvdGFibGVyYW5nZTo5MDQwMjBlNTQ3NTc0YTEyOWVkY2I0NWI3ZGEyOGE0Yl8yMC00LTEtMS03MTQ3NzQ_16856253-b694-4b6f-856b-4916a70a4569">1,546</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGV4dHJlZ2lvbjoxOTE2MzY3OTgyMzQ0YWM4OTA4NDZiMDQ2YjFjMWIwNV8yNQ_e55549d6-ff3d-4b5e-b940-05cbb0ef3bc9" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance (excluding exchange rate differences) under this heading in the income statements by the nature of financial instruments is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:68.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.103%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gains (losses) on financial assets and liabilities. Breakdown by nature of the financial instrument (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia87693b7743c49cdbdb45c3716867347_D20220101-20221231" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8yLTItMS0xLTcxNDc3NA_57f6a374-c1d4-45ee-a547-6328c597cee8">2,266</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6501429a71843abb889211e84ae6f52_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8yLTMtMS0xLTcxNDc3NA_c75f56b5-b6fc-4bae-9fe8-effd5ae8eb22">158</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8ff19df47a2f48cbb37d0f491aa041dc_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8yLTQtMS0xLTcxNDc3NA_d843965c-3537-41cf-91a2-bec392acf41d">848</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iad2b5e0029354a258c20d511d5c62691_D20220101-20221231" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8xNS0yLTEtMS03MTQ3NzQ_388bbc96-f80e-47a4-86be-f57068b94fdf">1,099</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i43c29bb7a5074cf09fb523aa6bbfc50c_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8xNS0zLTEtMS03MTQ3NzQ_8a4e7392-9fd9-45b7-962d-3d8be918deed">2,059</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i1735ced45a354c9b81f420ac61807b12_D20200101-20201231" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8xNS00LTEtMS03MTQ3NzQ_37ca44f9-8734-414c-80c8-81a6b29007e4">28</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading derivatives and hedge accounting</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09043f6b68ee4512a4eac73e695d00fc_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8yMi0yLTEtMS03MTQ3NzQ_0d12eb85-d59d-424e-8de2-f0debb2a1aa7">1,361</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ic1ff6cea428f4b8da8b4d34ecfe86026_D20210101-20211231" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8yMi0zLTEtMS03MTQ3NzQ_4c8efae0-4cf1-4852-be4e-239426ee02f5">1,866</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8d54a3b894a14c15b183c8690ecc7444_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8yMi00LTEtMS03MTQ3NzQ_e24a9b27-3ded-45cd-ade5-66851c8b432c">277</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0ae5cc9c9bfc4037978321b54884d15c_D20220101-20221231" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV83Mi0yLTEtMS03MTQ3NzQ_e8d05778-99ea-414e-addb-3514935c77b3">241</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib8b0d932a4f5423697bea6d2603cc3ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV83Mi0zLTEtMS03MTQ3NzQ_fccb542a-632a-4c2c-92ba-7bf55965b4c6">100</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i03d90b6d0ea1464b877702d41039ceee_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV83Mi00LTEtMS03MTQ3NzQ_58435a7f-4c4b-4d81-b246-634ba9506840">128</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i25142fa91add47b2a020d0340884f0aa_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV84My0yLTEtMS03MTQ3NzQ_1542a413-8377-432f-a6fb-122b13b5fe19">274</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if6d5c0b1922447f6bd866f25058ceda9_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV84My0zLTEtMS03MTQ3NzQ_75b8aed4-29f2-4f11-9bcb-138e6197d2fd">55</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i909f1a4762624dccbdeacc0b79227fbf_D20200101-20201231" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV84My00LTEtMS03MTQ3NzQ_0556be92-7218-4079-bf86-7aec480f9487">79</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iee6876127a76486699f1a576a838f3bc_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV84OS0yLTEtMS03MTQ3NzQ_a239fe39-4ee1-415b-8f6b-8b50af682ed4">2,635</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2a71380bf53f4ad8863ff3f1bb52650b_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV84OS0zLTEtMS03MTQ3NzQ_01f7e502-b907-4318-9526-3b8838e0a779">522</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6adcbd8126f04f399e818dc61719425c_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV84OS00LTEtMS03MTQ3NzQ_ba799345-7333-481e-ab98-a05decd8bf64">42</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8xMDctMi0xLTEtNzE0Nzc0_c2446b0e-e313-4a76-a574-49ad4d63cf1f">663</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8xMDctMy0xLTEtNzE0Nzc0_f490a113-4cb6-45b7-ab51-9be098c7910e">1,027</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6MWE4MGMyNTlhNmU1NGMwZjkzZTljMjM1ODMxNGY4NDUvdGFibGVyYW5nZToxYTgwYzI1OWE2ZTU0YzBmOTNlOWMyMzU4MzE0Zjg0NV8xMDctNC0xLTEtNzE0Nzc0_9e98ecc5-1a4b-499f-aced-fa6b420830e0">1,187</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-164</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="id7303b0798b14aa5a059fcbbbf8974ac" continuedAt="ie4e097a2f01c4a2a933e87a90963b50f"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DerivativesHedgeAccountingTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGV4dHJlZ2lvbjoxOTE2MzY3OTgyMzQ0YWM4OTA4NDZiMDQ2YjFjMWIwNV8yMg_29259623-d4a3-4bea-8874-c87c358c6df0" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance of the impact of the derivatives (trading and hedging) under this heading in the consolidated income statements is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:63.769%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.303%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives - Hedge accounting (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iad50a8b68dba4517a08a6647f410fe2c_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18zLTItMS0xLTcxNDc3NA_5f54ed3b-fbd8-44f7-b2eb-efc9eb5f3e1f">522</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if111fec9674146b5a766cf7cc066fa4e_I20211231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18zLTMtMS0xLTcxNDc3NA_c4958ad2-1947-41a3-83e6-6dddf1f9f516">73</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i905af135697d405ca132697ddd4f7b20_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18zLTQtMS0xLTcxNDc3NA_6c18b7ef-ba14-4b71-bb25-ceeb9477c3cd">269</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1ef2ebf83b6e4365921847d5d9e3916d_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM180LTItMS0xLTcxNDc3NA_80d1032c-3aa9-4742-bc33-41b5cc5ea830">1,653</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i05d3d854f9274924a8c152e8205ab111_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM180LTMtMS0xLTcxNDc3NA_3105a226-aa31-433d-bcf8-9bc38cecff4b">1,500</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4f43ab831d724e5b81a2235b4e2ddbdc_I20201231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM180LTQtMS0xLTcxNDc3NA_9b53eb92-80c6-4a97-a58a-f83063200a01">36</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44e3e5727d3c4063843ffe52341a3c7a_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM181LTItMS0xLTcxNDc3NA_28acc8ad-7c0f-43b1-9f7e-6704c604f04b">4</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i37f58d52d2554c7f8e828af75f85df68_I20211231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM181LTMtMS0xLTcxNDc3NA_47407d76-3b64-4fd6-897a-ff444f9bcf31">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ied6560dac0354e7fa937e6b9f1392f40_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM181LTQtMS0xLTcxNDc3NA_321b455f-a73d-41fc-a00c-c6bac6477197">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivative agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i36758dc735454d1a88cdc909ab21aa90_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM182LTItMS0xLTcxNDc3NA_cd7100a0-2117-4ef5-91f1-d636b725bb1d">16</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i4da306a3c8e74f859d585d1d0e839bb9_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM182LTMtMS0xLTcxNDc3NA_12398a34-e846-4353-969f-bebef1756d7c">255</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if77e9070a2cb4254a07395a19d2ed19e_I20201231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM182LTQtMS0xLTcxNDc3NA_4b1001e3-4a69-4f31-aa84-77dea25e7753">89</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign-exchange agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id29499ab04794b5e82e8673babace76d_I20221231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM183LTItMS0xLTcxNDc3NA_f4912977-d818-4a29-bc10-858bc4ef3ea8">658</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a74023511cc4f068354a0aa8c106da3_I20211231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM183LTMtMS0xLTcxNDc3NA_fa4dc197-1807-46f8-9711-f24c8a8d2b09">40</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8737179187154a29a98c56a5ae66621a_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM183LTQtMS0xLTcxNDc3NA_dda79d95-219d-4339-9944-fcab74f993dc">88</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other agreements</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i2d383e0f8d8448628aaa8267db8fbce3_I20221231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM184LTItMS0xLTcxNDc3NA_554d00fc-1599-4fac-b6df-9c13621197d5">131</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if930b00182b74db3b29aa3ab6f0a6475_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM184LTMtMS0xLTcxNDc3NA_99dd035b-2929-47a5-888f-685993cda757">12</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic82e55c63784483a8191f4eba9397c7d_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM184LTQtMS0xLTcxNDc3NA_d613fb38-d028-4eba-a603-0528a116b9a0">37</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3e696565dfcf4acb910b4f150461c3fa_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM185LTItMS0xLTcxNDc3NA_4551277a-0d77-4a42-a1a4-e08a446e8f7e">1,406</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ib3b61f54a3be4a99a080d0eca123d482_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM185LTMtMS0xLTcxNDc3NA_e6c00254-9568-46a3-a5c4-09048f83ebdd">1,651</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie252dd64dd864c1ebb1a120193e2654c_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM185LTQtMS0xLTcxNDc3NA_e2f8b57d-312e-4ec6-bb3a-a713e48465da">270</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Hedging derivatives ineffectiveness</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i924a67c2b6b7455aa11bf815e1a2e26f_I20221231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMS0yLTEtMS03MTQ3NzQ_378774fc-6ede-431f-98ad-be7aa6aed96a">51</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb281da9df6f47d392e7a9b9866494c9_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMS0zLTEtMS03MTQ3NzQ_ad1f8a9a-b09f-415d-824b-a3cbde925b40">235</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1be8c430c0984c6390cc69d43633c8b0_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMS00LTEtMS03MTQ3NzQ_d0931ef5-1a7f-4a10-a8c6-6ad0adbbc91a">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Hedging derivative</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7f9b61e164354a27b7c72406bab3d4c4_I20221231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMi0yLTEtMS03MTQ3NzQ_b333550c-8a87-4ece-806b-c2fb5e195051">229</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45a79e63f5784166ad856f049df46064_I20211231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMi0zLTEtMS03MTQ3NzQ_4843c604-6870-42dc-be87-fceae108ca4a">90</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i0af669a5ae994aeeba367227bbf086c3_I20201231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMi00LTEtMS03MTQ3NzQ_50926fad-7182-4573-853e-fce52f2cdc61">151</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Hedged item</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29c4982ed0e347bea19ab9a2a8e5ea67_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMy0yLTEtMS03MTQ3NzQ_37624126-a648-4f22-9398-1a008723f020">178</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7a284a0d98ff4cb489f2b197c2b7374b_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMy0zLTEtMS03MTQ3NzQ_62d25231-e330-4820-aff0-cf2141ac4f2f">325</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9ee1d96636a9485e81c39c5a17fe3462_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xMy00LTEtMS03MTQ3NzQ_823b7885-220e-4542-a883-01959aa5f59f">156</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibeb5a644813d40679e78a82b923e1853_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNC0yLTEtMS03MTQ3NzQ_6d557969-e966-4af5-b3e4-09dd0ea82929">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0c81c891521743638cbbfc96cfb2db4b_I20211231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNC0zLTEtMS03MTQ3NzQ_7db8baa4-e464-442d-a971-d439d44b8e56">21</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c04464403cf413ba784ed703d94f897_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNC00LTEtMS03MTQ3NzQ_460c5098-7bbf-44c9-bd1e-6ea1a1dab157">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i283c12baa9fe4c6e9f95441e25c7e0cd_I20221231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNS0yLTEtMS03MTQ3NzQ_cb2daf2b-4e5f-4431-a582-3312adfe8dbc">45</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="if254c1b48d354dd09f8407e2474e2bb8_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNS0zLTEtMS03MTQ3NzQ_08dc64a7-1c13-4935-aee8-f72216174c34">214</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i068d2ed1d2fc459092d57fbad830fcfe_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNS00LTEtMS03MTQ3NzQ_e1ff9385-81d5-4cf5-aeb6-63cdc32cf6e4">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNi0yLTEtMS03MTQ3NzQ_0c876e1a-c3da-4863-bac4-d68f69936fb5">1,361</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNi0zLTEtMS03MTQ3NzQ_73648839-f89a-4216-84ad-f0c6ff8b3ed1">1,866</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDE4L2ZyYWc6MTkxNjM2Nzk4MjM0NGFjODkwODQ2YjA0NmIxYzFiMDUvdGFibGU6YWQ3OWE0ZWQwMDg3NDY1NDkzYmNlY2U1Mjk4OGFhZDMvdGFibGVyYW5nZTphZDc5YTRlZDAwODc0NjU0OTNiY2VjZTUyOTg4YWFkM18xNi00LTEtMS03MTQ3NzQ_1540b6e9-441d-4c9e-8665-79e7527cf895">277</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1021"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="ie4e097a2f01c4a2a933e87a90963b50f">In addition, in the years ended December 31, 2022, 2021 and 2020, under the heading &#8220;Exchange differences, net" in the consolidated income statements negative amounts of &#8364;37 million, &#8364;41 million and &#8364;57 million, respectively, were recognized for transactions with foreign exchange trading derivatives.</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1024"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">42.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGV4dHJlZ2lvbjo2MzY1NzM4NWNlYzM0NTZiODEzZDI0ZDAzNDJkMmRkYl82Mg_8366bb57-692a-4bc1-be61-dda7f4e5f411" continuedAt="ia20b572eccd04c23bcd585352e828360" escape="true">Other operating income and expense </ix:nonNumeric></span></div><ix:continuation id="ia20b572eccd04c23bcd585352e828360"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:OtherOperatingIncomeTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGV4dHJlZ2lvbjo2MzY1NzM4NWNlYzM0NTZiODEzZDI0ZDAzNDJkMmRkYl81Nw_6a88ed2a-2b35-4e39-900d-cdfdf32855a9" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under the heading &#8220;Other operating income&#8221; in the consolidated income statements is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.835%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.923%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other operating income (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains from sales of non-financial services</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:FinancialIncomeFromNonFinancialServices" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml8yLTItMS0xLTcxNDc3NA_2d3004e5-7137-47cd-9f74-93c1bfa8192f">284</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FinancialIncomeFromNonFinancialServices" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml8yLTMtMS0xLTcxNDc3NA_fe733d2c-93c2-4ff9-a0f7-42e9b5fd81cd">301</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:FinancialIncomeFromNonFinancialServices" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml8yLTQtMS0xLTcxNDc3NA_030d6fd0-b12b-44e0-8141-7f7c20a18279">244</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other operating income</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml82LTItMS0xLTcxNDc3NA_f34982ea-a184-49e2-b6e7-cd3d0683f05a">244</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml82LTMtMS0xLTcxNDc3NA_8f3232e5-1a2a-4b65-a728-922a6ff6e6c3">360</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml82LTQtMS0xLTcxNDc3NA_bac5e3d9-e525-4973-b47f-afaa6ab128bc">248</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml8yNy0yLTEtMS03MTQ3NzQ_161d009b-eb7f-4f55-b63b-b9c080d3bc12">528</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml8yNy0zLTEtMS03MTQ3NzQ_2f040cac-7959-480e-ada7-c1142e3c862f">661</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NWU0ZjE5OWY1NTQ0NGViOTliNDZlMWE5YjYxNWMzOTIvdGFibGVyYW5nZTo1ZTRmMTk5ZjU1NDQ0ZWI5OWI0NmUxYTliNjE1YzM5Ml8yNy00LTEtMS03MTQ3NzQ_6078fa05-4581-425f-918a-658c3f6fdb85">492</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:OtherOperatingExpenseTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGV4dHJlZ2lvbjo2MzY1NzM4NWNlYzM0NTZiODEzZDI0ZDAzNDJkMmRkYl82MA_9cb5a5ae-e658-4cf9-a1da-00df0bdd6805" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under the heading &#8220;Other operating expense&#8221; in the consolidated income statements is as follows:</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.835%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.923%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other operating expense (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in inventories</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ChangeInInventories" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml8yLTItMS0xLTcxNDc3NA_1ab8ed37-c373-4c77-96dc-d4b0cb224370">134</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ChangeInInventories" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml8yLTMtMS0xLTcxNDc3NA_70d6e702-8802-4642-9f20-4e328cd06176">151</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ChangeInInventories" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml8yLTQtMS0xLTcxNDc3NA_45fdad78-3062-4bf2-acaf-ee59ffa7ef47">124</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions to guaranteed banks deposits funds </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ContributionToGuaranteedBanksDepositsFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml83LTItMS0xLTcxNDc3NA_baba1b39-8ea4-449a-9cc7-8974c8316987">997</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ContributionToGuaranteedBanksDepositsFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml83LTMtMS0xLTcxNDc3NA_583a19b3-8202-494c-b119-f2ad7490fdb5">829</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ContributionToGuaranteedBanksDepositsFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml83LTQtMS0xLTcxNDc3NA_64aa85b9-3d46-4e84-b513-c485df21ec3a">800</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hyperinflation adjustment </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:HiperinflationAdjustmentsOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml84LTItMS0xLTcxNDc3NA_fd26af43-0f2a-48fd-8570-0fe39e284063">1,687</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:HiperinflationAdjustmentsOtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml84LTMtMS0xLTcxNDc3NA_9efa6d7b-032c-4a18-8124-04f7e6ba32e1">585</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:HiperinflationAdjustmentsOtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml84LTQtMS0xLTcxNDc3NA_01ca04c0-e20c-4ade-968e-7769c3e03c3e">348</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other operating expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:OtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml85LTItMS0xLTcxNDc3NA_8602b95d-adff-410f-a25e-cc12061188ed">620</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:OtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml85LTMtMS0xLTcxNDc3NA_e4888514-f476-4ddc-a003-f4c571cbe072">475</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:OtherOperatingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml85LTQtMS0xLTcxNDc3NA_0df5823f-cf9f-46ff-8b9a-3660ed16b8cf">390</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml8zMS0yLTEtMS03MTQ3NzQ_dc96354b-aa02-4552-9555-abfafce9a7b0">3,438</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml8zMS0zLTEtMS03MTQ3NzQ_e2261fd6-7c01-483a-8c52-3751f70cd2bd">2,041</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGFibGU6NTk2NTBjNTNmZTIwNDM1NmI1ZjY4NmY1ZTZmNjVkNDIvdGFibGVyYW5nZTo1OTY1MGM1M2ZlMjA0MzU2YjVmNjg2ZjVlNmY2NWQ0Ml8zMS00LTEtMS03MTQ3NzQ_3453a261-0f05-475b-b9c1-d16255b1fd06">1,662</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI0L2ZyYWc6NjM2NTczODVjZWMzNDU2YjgxM2QyNGQwMzQyZDJkZGIvdGV4dHJlZ2lvbjo2MzY1NzM4NWNlYzM0NTZiODEzZDI0ZDAzNDJkMmRkYl81NzE3NDYwNDY0NDc0OQ_5b496be7-7e2c-42f6-a482-83f80555e979" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) See Note 2.2.19. It includes &#8364;832 million related to Turkey and &#8364;822 million related to Argentina.</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1027"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">43.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGV4dHJlZ2lvbjowMTZmNWIwM2U4NmM0Y2RkYTAxYzAyMzQyOWE3ODY5YV8yOQ_ea717109-6ec3-48bd-8b43-f8a20a99c595" continuedAt="i161ce5c05a9748f0a44ece70b86cd4a8" escape="true">Income and expense from insurance and reinsurance contracts</ix:nonNumeric></span></div><ix:continuation id="i161ce5c05a9748f0a44ece70b86cd4a8" continuedAt="iab0b440452dc437fbc06b59b19b23031"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGV4dHJlZ2lvbjowMTZmNWIwM2U4NmM0Y2RkYTAxYzAyMzQyOWE3ODY5YV8zMA_4213fad0-0b05-46fd-9da9-aa08407823f6" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The detail of the headings &#8220;Income and expense from insurance and reinsurance contracts&#8221; in the consolidated income statements is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:57.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.769%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income and expense from insurance and reinsurance contracts (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income from insurance and reinsurance contracts</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV8yLTItMS0xLTcxNDc3NA_89a8029a-1f4d-47a2-b576-49ebf76629b5">3,103</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV8yLTMtMS0xLTcxNDc3NA_05d59d31-cebd-40db-ac36-8ff012c6b7db">2,593</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV8yLTQtMS0xLTcxNDc3NA_9d439ecf-91d4-471d-86d2-5b47cc0b0b47">2,497</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expense from insurance and reinsurance contracts</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV8zLTItMS0xLTcxNDc3NA_ed49e787-3be9-477f-9ea4-3e083a0d8106">1,892</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV8zLTMtMS0xLTcxNDc3NA_2577a100-3482-4ce2-bc64-f9abbd34e5b3">1,685</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV8zLTQtMS0xLTcxNDc3NA_d90eb7f5-b2c2-45ec-ad63-7d56ff3f05a1">1,520</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NetIncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV80LTItMS0xLTcxNDc3NA_4597c4d5-90f3-4e59-aad0-984dd010c2e7">1,212</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NetIncomeArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV80LTMtMS0xLTcxNDc3NA_4c92c8c2-2f70-48d3-ae56-71807bbed73b">908</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NetIncomeArisingFromInsuranceContracts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6MzE4ZDY5MzQ4ODc0NDY0Zjk1N2I5NjY2Njg0Y2Y4MTUvdGFibGVyYW5nZTozMThkNjkzNDg4NzQ0NjRmOTU3Yjk2NjY2ODRjZjgxNV80LTQtMS0xLTcxNDc3NA_1efcdc51-9f1a-4329-be7f-566fdccdc614">977</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-165</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iab0b440452dc437fbc06b59b19b23031"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:IncomeByTypeOfInsuranceProductTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGV4dHJlZ2lvbjowMTZmNWIwM2U4NmM0Y2RkYTAxYzAyMzQyOWE3ODY5YV8zMQ_2290d6ff-20c2-4b02-9927-42c9cda6d973" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below shows the contribution of each insurance product to the Group&#180;s income for the years ended December 31, 2022, 2021 and 2020:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income by type of insurance product (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life insurance</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice4eaa7f0891460b99d66e4b84adcb76_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18yLTEtMS0xLTcxNDc3NA_fdf91871-67d5-4ef3-bfbe-f1615d34c1a6">665</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i471174c134224b65b7424a3e49c4b312_D20210101-20211231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18yLTItMS0xLTcxNDc3NA_de759ecd-6d0c-4296-9326-409231362388">622</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia6338acfd5c04d4ebbb9e7f33bde061e_D20200101-20201231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18yLTMtMS0xLTcxNDc3NA_21b47eae-1bfb-4feb-b90a-d59481288aef">497</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Individual</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie50af4364a3c451bb4732e08ec987d46_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18zLTEtMS0xLTcxNDc3NA_5654e6bf-7123-4d4c-a5f3-5566edb19e21">585</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4c8ebf5cebb143b6a8c8a785195dadf7_D20210101-20211231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18zLTItMS0xLTcxNDc3NA_9ec9da65-935e-45d7-ae26-b38c0974b9e0">583</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if56b023ffb6b48b09b406e224195f46d_D20200101-20201231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18zLTMtMS0xLTcxNDc3NA_eb102748-4bf2-44c6-ac61-d4fab64a9cb5">439</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Group insurance</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2d79f8d164cf42e98925474fabac7aa0_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN182LTEtMS0xLTcxNDc3NA_58af3ca9-83db-43a9-82bd-b360c7ce0334">79</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i09a9617e56bb46d78d0a0572655be593_D20210101-20211231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN182LTItMS0xLTcxNDc3NA_03254c5a-c1af-4490-a44e-ce871764683a">39</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i18de4e1c70d343be858fb44d4f2af524_D20200101-20201231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN182LTMtMS0xLTcxNDc3NA_c325678e-3e7d-449d-a504-159c47dac2c7">59</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-Life insurance</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib40d649dbbc74c17942989d564687cb6_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN185LTEtMS0xLTcxNDc3NA_7b6e68d3-8bf9-4955-8c50-a23e3f1fb389">547</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i53f629b5921e4f2cbb2d716b43690ed7_D20210101-20211231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN185LTItMS0xLTcxNDc3NA_2abcfa0d-cff1-4efe-9196-ff2cc978b784">286</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibf2025724faf4b90972288ce7cb14b50_D20200101-20201231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN185LTMtMS0xLTcxNDc3NA_d39d4c16-8134-4a9b-b4d2-295f39aa336b">480</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Home insurance</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i452112e5fb1e488a82727de960288b53_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMC0xLTEtMS03MTQ3NzQ_76cf29e7-4dcf-42c6-a3f5-ab7bc53b259e">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMC0zLTEtMS03MTQ3NzQ_aed1a9bf-adc4-4640-9da3-822a091dce89">91</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other non-life insurance products</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic9f15775d59f40d08a4d34158b6167d2_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMS0xLTEtMS03MTQ3NzQ_2607fb8e-0d72-4462-b58f-63162973c58d">547</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i148c2f031aa74f829102c4ec69d331da_D20210101-20211231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMS0yLTEtMS03MTQ3NzQ_929b86b3-bf74-4e77-af44-f23bc490ac45">286</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibeb02d8962ff4980a7b8657bee1cea33_D20200101-20201231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMS0zLTEtMS03MTQ3NzQ_ae02d3ea-6327-491d-bdcc-b10951ee31a8">389</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMi0xLTEtMS03MTQ3NzQ_b7fb904c-7442-41f6-a39b-e2f95421dbd9">1,212</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMi0yLTEtMS03MTQ3NzQ_f1b489de-4c88-4a38-9b3a-c4b22a05543a">908</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDI3L2ZyYWc6MDE2ZjViMDNlODZjNGNkZGEwMWMwMjM0MjlhNzg2OWEvdGFibGU6ZTgwMjI4NDEzYzAzNGViNmIzZjVlZWIzZjg2ZjI1YzcvdGFibGVyYW5nZTplODAyMjg0MTNjMDM0ZWI2YjNmNWVlYjNmODZmMjVjN18xMi0zLTEtMS03MTQ3NzQ_f9553dc8-48c8-4f24-abc0-997f2740139d">977</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1030"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">44.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfAdministrationCostsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMwL2ZyYWc6ZGU3NGFiYWU4ZmI1NGU0ZGIwMjY0ZWY4NTMyNTQ5MDAvdGV4dHJlZ2lvbjpkZTc0YWJhZThmYjU0ZTRkYjAyNjRlZjg1MzI1NDkwMF81_df7f051a-3a54-4801-9eaa-873e3a60de48" continuedAt="i5f85a2e41ee44061a603a0475c8e8328" escape="true">Administration costs</ix:nonNumeric></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1033"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">44.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i5f85a2e41ee44061a603a0475c8e8328" continuedAt="i036f593e9615407bbad744333d7ce72f">Personnel expense</ix:continuation></span></div><ix:continuation id="i036f593e9615407bbad744333d7ce72f" continuedAt="ib859ee06a8e34aa18f291b4a5de4512d"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:PersonnelExpensesBreakdownTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGV4dHJlZ2lvbjplZjFiOWJlMTA2Yzg0MWQ0YmUyZDg4Njc2NGZjN2E2MV8xMw_7c2b5ec0-a64e-4ff9-933f-356423fd1569" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated income statements is as follows: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:45.813%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.174%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Personnel expense (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wages and salaries</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV8yLTItMS0xLTcxNDc3NA_4804557e-4a99-4258-b6d4-bee3ab6398a9">4,317</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV8yLTMtMS0xLTcxNDc3NA_10b65e4a-6b8d-4405-9ecf-35f471dc4ee3">3,933</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV8yLTQtMS0xLTcxNDc3NA_d3aef8b9-5fa5-47c2-bab9-3c4197da8eb2">3,610</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Social security costs</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV81LTItMS0xLTcxNDc3NA_52e04af0-d50c-4f0c-9e5e-93a9cb4f2684">710</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV81LTMtMS0xLTcxNDc3NA_f1f344ea-2195-47ed-9f50-e70d63c6cb09">668</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV81LTQtMS0xLTcxNDc3NA_15dae32f-4300-491b-a317-b2efe099cd2c">671</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined contribution plan expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV82LTItMS0xLTcxNDc3NA_6258e02b-903a-498a-b576-5caeb9ae5315">87</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV82LTMtMS0xLTcxNDc3NA_4986d3a6-eb3d-4e77-aff4-a67820039e3e">71</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV82LTQtMS0xLTcxNDc3NA_90eb78a5-0984-43a8-b12f-3721df237ac6">72</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit plan expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV83LTItMS0xLTcxNDc3NA_c83c28dc-120f-465b-b0a7-b5f34ff495a9">43</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV83LTMtMS0xLTcxNDc3NA_f55b49b6-dea5-486c-9097-a8de8a58fb93">49</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV83LTQtMS0xLTcxNDc3NA_fb6eb663-c4e8-420c-97ce-24186b745672">49</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other personnel expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV84LTItMS0xLTcxNDc3NA_cb3ce82e-51c6-4b8f-ac0c-13fb37ab3588">454</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV84LTMtMS0xLTcxNDc3NA_0523dcb0-2299-4842-b519-e26e643de90d">325</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV84LTQtMS0xLTcxNDc3NA_6e77e04c-ec32-4baa-b129-e1c2c782c697">293</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV8xNC0yLTEtMS03MTQ3NzQ_35d70403-1655-4992-b1b6-5bf09f2939d7">5,612</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV8xNC0zLTEtMS03MTQ3NzQ_012a0977-6cfc-4126-962b-7e65ded76882">5,046</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDMzL2ZyYWc6ZWYxYjliZTEwNmM4NDFkNGJlMmQ4ODY3NjRmYzdhNjEvdGFibGU6OTU3ZTNiZjc0ODhkNDNlZDhhZmZmN2M5NWZhNmY0M2UvdGFibGVyYW5nZTo5NTdlM2JmNzQ4OGQ0M2VkOGFmZmY3Yzk1ZmE2ZjQzZV8xNC00LTEtMS03MTQ3NzQ_39bc9e3c-ae32-41ce-83e5-729dc2dfc1a4">4,695</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1036"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">44.1.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"><ix:continuation id="ib859ee06a8e34aa18f291b4a5de4512d" continuedAt="i270117b864444db8b9cddef5d4184c5f">  Share-based employee remuneration</ix:continuation></span></div><ix:continuation id="i270117b864444db8b9cddef5d4184c5f" continuedAt="ib457d052028a4232b04dac51905beff9"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts recognized under the heading &#8220;Administration costs - Personnel expense - Other personnel expense&#8221; in the consolidated income statements for the year ended December 31, 2022, 2021 and 2020, corresponding to the remuneration plans based on equity instruments in each year, amounted to &#8364;32 million, &#8364;33 million and &#8364;16 million, respectively. These amounts have been recognized with a corresponding entry under the heading &#8220;Shareholders&#8217; funds - Other equity&#8221; in the consolidated balance sheets, net of tax effect.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The characteristics of the Group's remuneration plans based on equity instruments are described below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Variable remuneration in shares </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA has a specific remuneration scheme applicable to those employees whose professional activities have a material impact on the risk profile of BBVA and/or its Group (hereinafter &#8220;Identified Staff&#8221;) involving the delivery of BBVA shares or instruments linked to BBVA shares, designed within the framework of applicable regulations to credit institutions and considering best practices and recommendations at the local and international levels in this matter.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In 2022, this remuneration scheme is reflected in the following remuneration policies: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">BBVA Group General Remuneration Policy, approved by the Board of Directors on June 30, 2021, that applies to employees and BBVA Senior Management (excluding BBVA executive directors) and at Group companies with respect to which BBVA exercises control over management. This policy includes the specific rules applicable to the members of the Identified Staff, including BBVA Senior Management. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">BBVA Directors&#8217; Remuneration Policy, approved by the General Shareholders&#8217; Meeting of BBVA held on April 20, 2021, that it&#8217;s applicable to the members of the Board of Directors of BBVA. The remuneration system for executive directors corresponds, generally, with the applicable system to the Identified Staff, incorporating some particularities of their own, derived from their condition of directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The variable remuneration for the Identified Staff members is subject to the following rules established in their corresponding remuneration policies, specifically:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Annual Variable Remuneration for Identified Staff members for each financial year will be subject to ex ante adjustments, so that it shall be reduced at the time of their appraisal in the event of a downturn in the Group&#8217;s results or other parameters such as the level of achievement of budgeted targets, and it will not accrue or it will accrue in a reduced amount, should a certain level of profits and capital ratio not be achieved in accordance with the provisions of applicable regulations at any given time. </span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-166</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="ib457d052028a4232b04dac51905beff9" continuedAt="idfd425b89d734ec7bf46f6c9cc6586cf"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">60% of the Annual Variable Remuneration will be vested and paid, if conditions are met, as a general rule, in the first four months of the financial year following that to which the Annual Variable Remuneration corresponds (the &#8220;Upfront Portion&#8221;). For executive directors, the rest of the members of the Senior Management and Identified Staff members with particularly high variable remuneration, the Upfront Portion will be 40% of the Annual Variable Remuneration. The remaining portion will be deferred in time (hereinafter the &#8220;Deferred Portion&#8221;) for a 5 year-period for executive directors and members of the Senior Management, and 4 years for the remaining members of the Identified Staff. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">50% of the Annual Variable Remuneration, including both the Upfront Portion and the Deferred Portion, shall be established in BBVA shares or in instruments linked to BBVA shares. As regards executive directors and the rest of the members of Senior Management, 60% of the Deferred Portion shall be established in shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The shares or instruments awarded as Annual Variable Remuneration, both from the Upfront Portion and the Deferred Portion, shall be withheld for a one-year period after delivery. This will not apply to those shares or instruments the sale of which would be required to honor the payment of taxes accruing on delivery.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The Deferred Portion of the Annual Variable Remuneration may be reduced, but never increased, depending on the results of multi-year performance indicators which are aligned with the Group&#8217;s core risk management and control metrics related to the solvency, liquidity, profitability or value creation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The cash amounts of the Deferred Portion of Annual Variable Remuneration finally vested, shall be updated by applying the Consumer Price Index (CPI), measured as year-on-year change in prices, or any other criteria established for such purposes by the Board of Directors. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The entire Annual Variable Remuneration corresponding to each financial year shall be subject to arrangements for the reduction of variable remuneration ("malus") and arrangements for the recovery of variable remuneration already paid ("clawback") during the whole deferral and withholding period, which will be applicable in the event of the occurrence of any of the circumstances expressly named in the remuneration policies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">No personal hedging strategies or insurances shall be used in connection with variable remuneration or liability that may undermine the effects of alignment with prudent risk management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The variable component of the remuneration for a financial year (understood as the sum of all variable components of the remuneration) shall be limited to a maximum amount of 100% of the fixed component of the total remuneration (understood as the sum of all fixed components of the remuneration), unless the General Shareholders' Meeting of BBVA resolves to increase this percentage up to a maximum of 200%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this regard, the General Shareholders&#8217; Meeting of BBVA held on March 18, 2022 resolved to increase this limit to a maximum level of 200% of the fixed component of the total remuneration for a given number of the Identified Staff members, in the terms indicated in the report issued for this purpose by the Board of Directors dated February 9, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Any type of remuneration, other than Annual Variable Remuneration, considered to be variable remuneration shall be subject to the rules regarding award, vesting and payment applicable in accordance with the type and nature of the remuneration component itself.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, in accordance with the applicable remuneration policies, the right to receive a total amount of 3,420,608 BBVA shares or instruments linked to BBVA shares corresponding mostly to the Upfront Portion of 2021 Annual Variable Remuneration and other variable components of remuneration, was accrued by the Identified Staff.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, according to the Remuneration Policy applicable in 2017, during 2022 a total amount of 106,072 BBVA shares corresponding to the second payment of the Deferred Portion of 2017 Annual Variable Remuneration of executive directors and the rest of the members of Senior Management were delivered.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, according to the Remuneration Policy applicable in 2018, during 2022 a total amount of 3,739,044 BBVA shares were delivered to the Identified Staff corresponding to the first payment of the Deferred Portion of 2018 Annual Variable Remuneration of executive directors and the rest of the members of Senior Management and to the full Deferred Portion of the 2018 Annual Variable Remuneration of the rest of the Identified Staff.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Detailed information on the delivery of shares to executive directors and the rest of the members of Senior Management of BBVA who held this position as of December 31, 2022, is included in Note 54.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Lastly, in line with specific regulation applicable in Portugal and Brazil, BBVA IFIC and BBVA Brazil Banco de Investimento have identified (on an individual basis, respectively) the staff in these countries whose annual variable remuneration should be subject to a specific settlement and payment scheme established in their corresponding remuneration policies, more specifically:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A percentage of the annual variable remuneration is subject to a three years deferral that shall be paid yearly over the mentioned period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">50% of the annual variable remuneration, both the upfront portion and deferred portion, shall be established in BBVA shares.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In BBVA IFIC, resulting cash portions of the deferred portion of annual variable remuneration and subject to multi-year performance indicators, finally delivered, shall be updated following the Consumer Price Index (CPI) measured as year-on-year price variation.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-167</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="idfd425b89d734ec7bf46f6c9cc6586cf" continuedAt="iab2a3a7e57954326bea3a2f670224fa4"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In BBVA Brazil Banco de Investimento, both the cash amounts and share amounts of the deferred portion may be subject to update adjustments in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to this remuneration scheme, during financial year 2022 a total of 21,774 BBVA shares corresponding to the upfront portion of 2021 annual variable remuneration were delivered to these staff in Portugal and Brazil.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, during 2022 a total of 3,517 BBVA shares corresponding to the first third of the deferred portion of 2020 annual variable remuneration were delivered to these staff in Portugal and Brazil as well as a total of 425 euros as adjustments for updates (for shares delivered in Brazil), and a total of 4,422 BBVA shares corresponding to the second third of the deferred portion of 2019 annual variable remuneration and 1,203 euros as adjustments for updates (for shares delivered in Brazil), and a total of 5.083 BBVA shares corresponding to the last third of the deferred portion of 2018 annual variable remuneration and 2,195 euros as adjustments for updates (for shares delivered in Brazil). </span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1039"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">44.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="iab2a3a7e57954326bea3a2f670224fa4" continuedAt="i2bda91ad4da946cfbe3080440131b043">Other administrative expense</ix:continuation></span></div><ix:continuation id="i2bda91ad4da946cfbe3080440131b043"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AdministrativeExpensesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGV4dHJlZ2lvbjoyMTBlMDEzMWZiYzE0MTM2YTBkYTkwYTJhMjc3MjkzYl8xMw_5e99ede4-bad2-4a93-a3fd-f2aaa8541a64" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated income statements is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.071%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.305%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.997%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.227%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other administrative expense. Breakdown by main concepts (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Technology and systems</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TechnologyAndSystems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8yLTItMS0xLTcxNDc3NA_2a01c0b6-8f61-4369-987c-9fa06e149d70">1,394</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:TechnologyAndSystems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8yLTMtMS0xLTcxNDc3NA_89872555-e4c3-42e9-9fc0-74308cb6584a">1,176</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TechnologyAndSystems" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8yLTQtMS0xLTcxNDc3NA_ad111820-78db-43e2-9bba-bce925239fd9">1,088</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Communications </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:CommunicationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8xMy0yLTEtMS03MTQ3NzQ_0ad61bf7-8d88-4ecf-8792-eb67735eb463">195</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:CommunicationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8xMy0zLTEtMS03MTQ3NzQ_b7e4199d-8d96-40aa-8fcc-3911d305aab2">175</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:CommunicationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8xMy00LTEtMS03MTQ3NzQ_c02254de-5adf-4a46-b060-8e9a057f26a3">172</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advertising</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8xOS0yLTEtMS03MTQ3NzQ_9ecff71f-6662-47b7-9291-64cfa60627c2">282</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8xOS0zLTEtMS03MTQ3NzQ_09c46772-e624-4183-b493-e6126c17a366">207</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8xOS00LTEtMS03MTQ3NzQ_a742665c-d714-42d9-bfe5-23a6db5c5bfc">186</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property, fixtures and materials</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:PropertyFixturesAndMaterialsExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8yOC0yLTEtMS03MTQ3NzQ_c7b22aee-e714-4025-aea0-3fde1f0c24a9">440</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:PropertyFixturesAndMaterialsExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8yOC0zLTEtMS03MTQ3NzQ_c50e4dc3-d974-4a40-af50-cb8a706911b6">380</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:PropertyFixturesAndMaterialsExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl8yOC00LTEtMS03MTQ3NzQ_236857fa-e56a-4682-af32-682f5b2cb1d7">404</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxes other than income tax</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:TaxesOtherThanIncomeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl80Mi0yLTEtMS03MTQ3NzQ_26ab572a-9707-4c95-ad90-70bd1d4164b5">370</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:TaxesOtherThanIncomeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl80Mi0zLTEtMS03MTQ3NzQ_ea14cf34-4f5e-44ad-92fa-be0f75846313">347</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TaxesOtherThanIncomeTax" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl80Mi00LTEtMS03MTQ3NzQ_cc157fd5-dbf8-4db9-9857-cbccccd87a55">344</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Surveillance and cash courier services</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:SurveillanceAndSecurityServiceExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl80Ni0yLTEtMS03MTQ3NzQ_c0c816fe-8e77-41c6-bc6b-0f645f6b3655">214</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:SurveillanceAndSecurityServiceExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl80Ni0zLTEtMS03MTQ3NzQ_8f0898ee-857c-4e64-8e96-1fa8908b110f">179</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:SurveillanceAndSecurityServiceExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl80Ni00LTEtMS03MTQ3NzQ_0cead6b3-9a34-46ce-9692-00a39d46d6cf">161</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expense</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl81MC0yLTEtMS03MTQ3NzQ_e26bbfef-a94a-47c4-9942-4f244f50cc32">925</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl81MC0zLTEtMS03MTQ3NzQ_4ea750da-ba3b-499e-8289-849f4316f43b">786</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl81MC00LTEtMS03MTQ3NzQ_8eb43370-7088-4325-9886-69b0960ed1a6">749</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl83NS0yLTEtMS03MTQ3NzQ_f546bee2-7a37-4a75-a1e7-b25ae5b9a93c">3,820</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl83NS0zLTEtMS03MTQ3NzQ_775ab8c7-52b4-478b-af93-82cd1b4b4914">3,249</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDM5L2ZyYWc6MjEwZTAxMzFmYmMxNDEzNmEwZGE5MGEyYTI3NzI5M2IvdGFibGU6YTI1ODFkNmI3NWYzNDQ4NzlkMWE3OGE3NzY5ODVjMmYvdGFibGVyYW5nZTphMjU4MWQ2Yjc1ZjM0NDg3OWQxYTc4YTc3Njk4NWMyZl83NS00LTEtMS03MTQ3NzQ_f3ce1026-ed6e-41bb-8f47-c2a14171fedc">3,105</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1042"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">45.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGV4dHJlZ2lvbjo3MWI4YmY5YWEyOTc0OTg0OTQ1NzdhZDA0NzYyZjgzOF8yNA_7aef95bb-db38-486a-aa67-1f1e931d6463" continuedAt="iedc914c461e74bb7a12dbf435141ce30" escape="true">Depreciation and amortization </ix:nonNumeric></span></div><ix:continuation id="iedc914c461e74bb7a12dbf435141ce30"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DepreciationAndAmortisationExpenseTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGV4dHJlZ2lvbjo3MWI4YmY5YWEyOTc0OTg0OTQ1NzdhZDA0NzYyZjgzOF8yNQ_f1b1461d-9881-43f3-947b-66c6e346e2d6" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the balance under this heading in the consolidated income statements for the years ended December 31, 2022, 2021 and 2020 is as follows: </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:47.128%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.846%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Depreciation and amortization (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8719d82defe4402d8f0cf64489f7a75f_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8yLTItMS0xLTcxNDc3NA_b8b0e092-bf35-42d3-bef1-8424458e014c">818</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib57784d1168444c98ba8bf66f34c2b9b_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8yLTMtMS0xLTcxNDc3NA_337f035e-7de9-4824-82d3-797e2cda0179">740</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ibd86bd5b68c94d2c977bd91ba70ec33d_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8yLTQtMS0xLTcxNDc3NA_e2a34d76-9380-4b5e-a00c-2d0a2724446a">781</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">For own use</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8199a7ab0a4442c09d16af5503e3f9b2_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8zLTItMS0xLTcxNDc3NA_b40c4c25-86aa-430f-86d8-4570728bc192">501</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9af13af94fad44d48d657c9f4b375a45_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8zLTMtMS0xLTcxNDc3NA_e0c12db4-66dd-4f4e-8063-ac67462bb7c9">437</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i49a5bc769b9f4671b78be265ca6d2f3d_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8zLTQtMS0xLTcxNDc3NA_fbbacd5a-6f76-42aa-8779-0aebd7f2896c">453</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Right-of-use assets</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab3766fd15b94ee6aad62e3f36ab39c6_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF84LTItMS0xLTcxNDc3NA_aeabf4f9-3df3-4546-b6e7-91458d9d1b4d">312</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5feac549176b4a7db1ffae09a0293522_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF84LTMtMS0xLTcxNDc3NA_7f124843-2392-4f00-b26e-2c8c7f3ddd35">299</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib2196360c592439a87556f9c084d24a9_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF84LTQtMS0xLTcxNDc3NA_20e86db9-321b-431c-8034-3166c0d1d8ac">324</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Investment properties and other</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i66025c3238bb4c33ab1239ee36b938ec_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xMi0yLTEtMS03MTQ3NzQ_e2e40c1f-c378-4636-86d5-0249a433c3f0">5</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i29de0203bb9c44fba7f10f8c99d04f5f_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xMi0zLTEtMS03MTQ3NzQ_76b11c4e-2236-4e1e-b9dc-58a375e3c0b9">3</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a59e67c6f674d23829d281bddf33da2_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xMi00LTEtMS03MTQ3NzQ_68ed54e8-133d-44a8-b2b9-bf67bff79fb5">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18.2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1a7b6b06a2d24dd98a1d05b782968e3c_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xNy0yLTEtMS03MTQ3NzQ_58f92427-87f0-4667-b881-bae889ce8431">510</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97d13ba3d69f43a89639679fa68058ca_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xNy0zLTEtMS03MTQ3NzQ_d8765e90-9c62-4837-b2e5-52b9d26e74b7">494</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4aab8beb2584479c97b582d6f3723f3e_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xNy00LTEtMS03MTQ3NzQ_5d8a710e-48cf-48b5-b46c-5974c678b51c">507</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xOS0yLTEtMS03MTQ3NzQ_af1e8897-f317-4c2c-8281-aaf1b779dedf">1,328</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xOS0zLTEtMS03MTQ3NzQ_096518e5-01dc-4cd2-a8a6-2ec12e258789">1,234</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQyL2ZyYWc6NzFiOGJmOWFhMjk3NDk4NDk0NTc3YWQwNDc2MmY4MzgvdGFibGU6OTIzZjc1Y2YyM2EzNDQ1MTg1Yzc4ZWI4NGI5MmNlMzAvdGFibGVyYW5nZTo5MjNmNzVjZjIzYTM0NDUxODVjNzhlYjg0YjkyY2UzMF8xOS00LTEtMS03MTQ3NzQ_45d88fff-f166-4cdb-9ec4-3036141ef07b">1,288</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1045"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">46.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGV4dHJlZ2lvbjplODhhOTQ1NWRjYTg0YjhkYjRhOTVlYWM4MTQxNDUwNV8yMjA_aeb90a06-b23a-4ed3-90a6-cb13969d6b83" continuedAt="i4f56d9ae10fb4f5ea44d023e50f91e8e" escape="true">Provisions or reversal of provisions</ix:nonNumeric></span></div><ix:continuation id="i4f56d9ae10fb4f5ea44d023e50f91e8e"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProvisionsOrReversalOfProvisionsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGV4dHJlZ2lvbjplODhhOTQ1NWRjYTg0YjhkYjRhOTVlYWM4MTQxNDUwNV8yMjE_b9b29a77-aab7-4f7c-9cf7-4d6ff1bb6449" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the years ended December 31, 2022, 2021 and 2020, the net provisions recognized in this income statement line item were as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.222%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.069%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.069%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.069%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.071%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions or reversal of provisions (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions and other post-employment defined benefit obligations</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" sign="-" name="bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8yLTItMS0xLTcxNDc3NA_fe3a3bb7-43a8-497b-8edb-6c7a7d69cfee">89</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8yLTMtMS0xLTcxNDc3NA_4231c8e2-ff17-4779-b6e0-6172b1637fd2">61</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8yLTQtMS0xLTcxNDc3NA_7c5b8635-04e3-4390-8bb4-50ad1829d0e4">210</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments and guarantees given</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:CommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl84LTItMS0xLTcxNDc3NA_d2ab33ce-a6e4-4753-910e-153e7578aff1">87</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:CommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl84LTMtMS0xLTcxNDc3NA_941c06ed-f896-4c7a-91e1-d8761260aa9a">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:CommitmentsAndGuaranteesGiven" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl84LTQtMS0xLTcxNDc3NA_754605a9-4447-44b6-a700-a15ec1cdf10c">192</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pending legal issues and tax litigation</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:PendingLegalIssuesAndTaxLitigation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8yOC0yLTEtMS03MTQ3NzQ_0a26714c-20c9-4c2c-90db-7ccd529b032d">210</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:PendingLegalIssuesAndTaxLitigation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8yOC0zLTEtMS03MTQ3NzQ_da45efff-59a6-4a81-b97e-f7865edfa1b9">135</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:PendingLegalIssuesAndTaxLitigation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8yOC00LTEtMS03MTQ3NzQ_52a83178-1504-4c7c-9412-215fde80352e">208</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:OtherProvisionsOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8zMy0yLTEtMS03MTQ3NzQ_323718fc-eb07-47dd-bd44-e0c4199ab561">84</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:OtherProvisionsOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8zMy0zLTEtMS03MTQ3NzQ_2baaffd1-ad03-46ec-8de8-3c35448518b1">814</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:OtherProvisionsOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8zMy00LTEtMS03MTQ3NzQ_deaa416c-bdd5-457b-b80a-8b397dbbe49e">136</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="bbva:ProvisionsOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8zOS0yLTEtMS03MTQ3NzQ_ec3ac016-fd4d-482b-aa87-fb73a79234a2">291</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-6" name="bbva:ProvisionsOrReversalOfProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8zOS0zLTEtMS03MTQ3NzQ_fdd61147-7dad-46a6-a01c-15e1b463c3ab">1,018</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id3103572c3e14c8a8fedab5b2345c9f1_I20201231" decimals="-6" name="bbva:ProvisionsOrReversalOfProvisions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGFibGU6ZWQ1MjRmMjgyZDMxNDhhOGExMDBhMGRmN2I5YzUyZGYvdGFibGVyYW5nZTplZDUyNGYyODJkMzE0OGE4YTEwMGEwZGY3YjljNTJkZl8zOS00LTEtMS03MTQ3NzQ_e497a4ef-d77e-4dbe-874b-0b8e466e4c8a">746</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ1L2ZyYWc6ZTg4YTk0NTVkY2E4NGI4ZGI0YTk1ZWFjODE0MTQ1MDUvdGV4dHJlZ2lvbjplODhhOTQ1NWRjYTg0YjhkYjRhOTVlYWM4MTQxNDUwNV81NzcyNDM2MDQ1OTI4OQ_00180b90-f632-47a5-a658-eef16219459f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2021, it includes a provision for the agreement with the union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain (see Note 24).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-168</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1048"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">47.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGV4dHJlZ2lvbjoyYjg1MmIxOGQ2NTE0YmY1YmQ0ZDA3NDM3OTFiYTU0OF8xNjk_512017d0-2b49-477b-ab0d-83b4cb66b97e" continuedAt="ib81e1f10c9e244ca9ba734ca3704b456" escape="true">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</ix:nonNumeric></span></div><ix:continuation id="ib81e1f10c9e244ca9ba734ca3704b456"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGV4dHJlZ2lvbjoyYjg1MmIxOGQ2NTE0YmY1YmQ0ZDA3NDM3OTFiYTU0OF8xNzA_b50d8f04-8915-46cb-8580-740bf8a6ea27" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification by the nature of those assets in the consolidated income statements is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:51.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.628%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.628%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.628%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.630%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income - Debt securities</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8yLTItMS0xLTcxNDc3NA_f0adaa78-828b-44e3-80e0-2dc82e10b6ff">76</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8yLTMtMS0xLTcxNDc3NA_426ae757-f9e3-40cc-ad6c-3e208a7a4fd4">17</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecurities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8yLTQtMS0xLTcxNDc3NA_c3fa0054-76ad-4e26-9d35-f662316ed335">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortized cost </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ImpairmentFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xNS0yLTEtMS03MTQ3NzQ_dcd42015-9e3c-4292-9349-31655eb94dd6">3,303</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xNS0zLTEtMS03MTQ3NzQ_1d179e6c-0966-4304-a2c2-d5b8e84585bd">3,017</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xNS00LTEtMS03MTQ3NzQ_fd4f05cf-b93e-470d-bc33-39b714f12a8f">5,160</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: recovery of written-off assets by cash collection</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7.2.5</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xNy0yLTEtMS03MTQ3NzQ_e9668ef6-13e7-4aa3-9ca1-394d9747233e">390</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xNy0zLTEtMS03MTQ3NzQ_057ebf1c-8bc8-4e1d-b4db-2549869580ba">423</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xNy00LTEtMS03MTQ3NzQ_6993d62f-1319-4de2-abc0-ddd0d781936a">339</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xOC0yLTEtMS03MTQ3NzQ_f7333814-bcc6-457f-a63d-3ac62b9efa41">3,379</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xOC0zLTEtMS03MTQ3NzQ_8943137a-97d8-4ffc-a632-b6309c03a965">3,034</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ImpairmentLossOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGFibGU6ZGI3ODc5MWY3MzE0NDM1YzlkOWU5YjY3NmQ1YWNkMWYvdGFibGVyYW5nZTpkYjc4NzkxZjczMTQ0MzVjOWQ5ZTliNjc2ZDVhY2QxZl8xOC00LTEtMS03MTQ3NzQ_9d29d9ef-5dfb-4535-9a5c-25654ba61097">5,179</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDQ4L2ZyYWc6MmI4NTJiMThkNjUxNGJmNWJkNGQwNzQzNzkxYmE1NDgvdGV4dHJlZ2lvbjoyYjg1MmIxOGQ2NTE0YmY1YmQ0ZDA3NDM3OTFiYTU0OF81NzcyNDM2MDQ1OTAxNw_cada498b-2dba-4f72-a3b0-96148ef165fb" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2020, the amount included the negative impact of the update of the macroeconomic scenario following the COVID-19 pandemic</ix:footnote>.</span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1051"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">48.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDUxL2ZyYWc6YzRhNGRhZTdmY2JmNDFhY2EzZDUyNDRhMDkzYjlkOTcvdGV4dHJlZ2lvbjpjNGE0ZGFlN2ZjYmY0MWFjYTNkNTI0NGEwOTNiOWQ5N180MA_f7787767-a075-4582-931b-76cf6684d234" continuedAt="i726eeea97de64bf08eda9dd73a7ae83c" escape="true">Impairment or reversal of impairment of investments in joint ventures and associates</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i726eeea97de64bf08eda9dd73a7ae83c">The heading &#8220;Impairment or reversal of the impairment of investments in joint ventures or associates" included a reversal of impairment of &#8364;<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDUxL2ZyYWc6YzRhNGRhZTdmY2JmNDFhY2EzZDUyNDRhMDkzYjlkOTcvdGV4dHJlZ2lvbjpjNGE0ZGFlN2ZjYmY0MWFjYTNkNTI0NGEwOTNiOWQ5N18zMjk4NTM0ODgzNjk3_0248f4b6-d798-4075-8408-a078a1d1b5d1">42</ix:nonFraction> million in the year ended 2022. This heading did not include any impairment or reversal of impairment in the year ended 2021, and included an impairment of &#8364;<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDUxL2ZyYWc6YzRhNGRhZTdmY2JmNDFhY2EzZDUyNDRhMDkzYjlkOTcvdGV4dHJlZ2lvbjpjNGE0ZGFlN2ZjYmY0MWFjYTNkNTI0NGEwOTNiOWQ5N18zMjk4NTM0ODgzNzE4_76bedcd5-b3aa-43ba-b2ee-34763e5ac004">190</ix:nonFraction> million for the year ended December 31, 2020 (see Note 16.3).</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1054"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">49.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGV4dHJlZ2lvbjo3ZTdhMGU1Mzk4M2Q0MjhhYjJhOTI1OGIwZTU0N2Q5Yl8yNTk_4207b7bb-9bff-462e-aad4-a3157f5b70a3" continuedAt="ie705b0ed96c1425592526b32ab7130ed" escape="true">Impairment or reversal of impairment on non-financial assets </ix:nonNumeric></span></div><ix:continuation id="ie705b0ed96c1425592526b32ab7130ed"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGV4dHJlZ2lvbjo3ZTdhMGU1Mzk4M2Q0MjhhYjJhOTI1OGIwZTU0N2Q5Yl8yNTc_ed8a42d4-63c4-4f07-9ffa-319ceb799db4" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The impairment losses on non-financial assets broken down by the nature of those assets in the consolidated income statements are as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:56.989%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.763%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impairment or reversal of impairment on non-financial assets (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible assets </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF8yLTItMS0xLTcxNDc3NA_f98eb34c-190a-4c8c-9c82-cb55e713950f">53</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF8yLTMtMS0xLTcxNDc3NA_6aa11e20-a920-4a50-8fd3-1ebdccc7b8df">161</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF8yLTQtMS0xLTcxNDc3NA_11528790-e239-467c-941f-07ea8723daff">125</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF80LTItMS0xLTcxNDc3NA_b1a22c59-1004-4c8f-9793-e7b31eff813b">25</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF80LTMtMS0xLTcxNDc3NA_3065ffdd-35f9-4f53-99d1-5240fa63bb98">19</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF80LTQtMS0xLTcxNDc3NA_dd0840ec-b1f5-4ee2-a902-bbf7a2e73b36">19</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Others   </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF82LTItMS0xLTcxNDc3NA_6d39e15c-7861-4ea9-bb50-d87c84ed1a82">55</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF82LTMtMS0xLTcxNDc3NA_d270c774-06f0-46cb-bd22-8b6e03558100">41</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF82LTQtMS0xLTcxNDc3NA_6a45af9f-14a9-411b-b56e-b4f85b2bbe88">9</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF83LTItMS0xLTcxNDc3NA_89b54c9e-4866-41a7-a7f4-d928e5eb9d9d">27</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF83LTMtMS0xLTcxNDc3NA_48018ab0-84ba-47b6-8356-10e023e00ab1">221</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGFibGU6MTQyZmQ3ZTM0MDcxNDk4MmE0YmZmMjQ1YmQwMzNlOTAvdGFibGVyYW5nZToxNDJmZDdlMzQwNzE0OTgyYTRiZmYyNDViZDAzM2U5MF83LTQtMS0xLTcxNDc3NA_0546dacb-431e-4315-8916-2540f3f5214d">153</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU0L2ZyYWc6N2U3YTBlNTM5ODNkNDI4YWIyYTkyNThiMGU1NDdkOWIvdGV4dHJlZ2lvbjo3ZTdhMGU1Mzk4M2Q0MjhhYjJhOTI1OGIwZTU0N2Q5Yl81NzcyNDM2MDQ1OTUxNQ_06f0dfc9-df2f-47d2-b984-5ca54c011dfc" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) In 2021, it includes the impairment due to the closing of rented offices after the agreement with the union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain (see Notes 17 and 24).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1057"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">50.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGV4dHJlZ2lvbjpiNTU5MmMwNjUzNTc0NDBjOTA3MWY0NzBmZDI1ZjFlNF80Mzk_32f0f3c3-2be0-44bc-a0f7-afdc62febbed" continuedAt="ib111dd29b6f54cb4aad3fbce3d13a0e2" escape="true">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</ix:nonNumeric></span></div><ix:continuation id="ib111dd29b6f54cb4aad3fbce3d13a0e2"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGV4dHJlZ2lvbjpiNTU5MmMwNjUzNTc0NDBjOTA3MWY0NzBmZDI1ZjFlNF80MzY_7d60c30e-a6bf-4dc5-9b58-396ea6559f67" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main items included in the balance under this heading in the consolidated income statements are as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:66.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.080%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Notes</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains on sale of real estate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:NetGainsLossOnSalesOfRealState" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8yLTItMS0xLTcxNDc3NA_424ea9ee-8723-4704-91fb-68d8665a97c8">102</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:NetGainsLossOnSalesOfRealState" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8yLTMtMS0xLTcxNDc3NA_16052160-0d05-472a-9322-29cc7a8b0810">39</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:NetGainsLossOnSalesOfRealState" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8yLTQtMS0xLTcxNDc3NA_fa57e7d4-7a41-4d91-8214-34ef18f5d2c0">116</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment of non-current assets held for sale </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:ImpairmentOfNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV84LTItMS0xLTcxNDc3NA_c280535c-c462-43bc-818e-6851bb1171b9">221</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:ImpairmentOfNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV84LTMtMS0xLTcxNDc3NA_5c64bf1c-95bd-4721-b2de-0341c77f98bc">97</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" sign="-" name="bbva:ImpairmentOfNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV84LTQtMS0xLTcxNDc3NA_fccf4e44-6e0d-4a36-a440-63a87bea6cbc">103</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) on sale of investments classified as non-current assets held for sale</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8xNS0yLTEtMS03MTQ3NzQ_771df09c-db10-4b52-919a-72b8bd70cbb2">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8xNS0zLTEtMS03MTQ3NzQ_9f00d393-6327-4792-9acf-3dc0d64b876a">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8xNS00LTEtMS03MTQ3NzQ_2f12ff95-b5b9-4980-b6b3-dbd2eecab139">431</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains on sale of equity instruments classified as non-current assets held for sale</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8xOC0yLTEtMS03MTQ3NzQ_94080421-3199-4a31-91c7-a189c787ee14">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8xOC0zLTEtMS03MTQ3NzQ_5741206c-4608-4f4b-9b85-2b7f0b26fb34">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8xOC00LTEtMS03MTQ3NzQ_7910de06-d0d9-49f0-beb9-e1ca4d7788c8">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" sign="-" name="bbva:TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8yMS0yLTEtMS03MTQ3NzQ_85f811a0-cdf7-43e2-91a1-a0cf5814ce54">108</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" sign="-" name="bbva:TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8yMS0zLTEtMS03MTQ3NzQ_fec6a519-acb6-4317-b783-f198d597bffa">40</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGFibGU6MTNiYTA5NDRjMWIzNDE3MWIxNmIzNGFmN2JlYTkxOTUvdGFibGVyYW5nZToxM2JhMDk0NGMxYjM0MTcxYjE2YjM0YWY3YmVhOTE5NV8yMS00LTEtMS03MTQ3NzQ_cec37462-38f1-4a2a-89be-96110fd79423">444</ix:nonFraction></span></td></tr></table><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGV4dHJlZ2lvbjpiNTU5MmMwNjUzNTc0NDBjOTA3MWY0NzBmZDI1ZjFlNF81NzcyNDM2MDQ2MDU0MA_2b79fe58-934e-4b04-b144-6c42ac903079" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">In 2022 it includes the closing of the transaction with Merlin Properties in which 100% of the shares of Tree </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:130%">Inversiones Inmobiliarias</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">, SOCIMI, S.A. were acquired by the BBVA Group (see Note 17). In 2021, it </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">included the impairment due to the closure of owned offices and the decommissioning of facilities after the agreement with the union representatives on the collective layoff procedure proposed for Banco Bilbao Vizcaya Argentaria, S.A. in Spain (see Notes 21 and 24).</span></ix:footnote></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDU3L2ZyYWc6YjU1OTJjMDY1MzU3NDQwYzkwNzFmNDcwZmQyNWYxZTQvdGV4dHJlZ2lvbjpiNTU5MmMwNjUzNTc0NDBjOTA3MWY0NzBmZDI1ZjFlNF81NzcyNDM2MDQ2MDgyNw_3d31a4cc-d408-4118-932e-89f817267c78" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) The variation in year 2020 is mainly due to the transfer of half plus one share in BBVA Allianz Seguros y Reaseguros, S.A. (see Note 3).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-169</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1060"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">51.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGV4dHJlZ2lvbjoyNjcxYTViNTQ0YzY0YzIwYjllY2UzZjZjNjhkMGQxNl8xNDQz_f13c8573-2397-4591-a969-2e289b42e0c8" continuedAt="i91df0165144c424e926524fa74835c08" escape="true">Consolidated statements of cash flows </ix:nonNumeric></span></div><ix:continuation id="i91df0165144c424e926524fa74835c08"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:LiabilitiesFromFinancingActivitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGV4dHJlZ2lvbjoyNjcxYTViNTQ0YzY0YzIwYjllY2UzZjZjNjhkMGQxNl8xNDQ0_3fa5db8f-b6e4-4237-9caf-8eb8ea18184e" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The variation between 2022, 2021 and 2020 of the financial liabilities from financing activities is the following:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:33.260%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.845%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities from financing activities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities at amortized cost: Debt certificates</span></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Of which: Issuances of subordinated liabilities</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the beginning</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3834043f2fa1497d9d7537bc6cb117ef_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF80LTEtMS0xLTEyOTM2MDA_3a4471d5-4465-440e-abc6-f9894e849632">55,763</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia36c462ef4c14540ac480d8e5a9bf2e0_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF80LTItMS0xLTEyOTM2MDA_4bdc3bbd-ac0c-4056-a00b-e7c843e5a107">61,780</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i471e31f32ca8450f938b3cce0f3a30eb_I20191231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF80LTMtMS0xLTEyOTM2MDA_b7a7fa7d-54a6-4e2e-b188-565a2c8f8409">63,963</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8aaa3f0c0974cec916382b917112581_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF80LTQtMS0xLTEyOTM2MDA_0a46e7b4-023a-4a21-a16f-28aa732fb6af">14,794</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a59b4a5638840fba309da29311d308e_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF80LTUtMS0xLTEyOTM2MDA_9ab1a968-8bd5-49cf-8650-71c0f8f465c9">17,248</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i63e9e803f7884eb081be8ffa4bba31e0_I20191231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF80LTYtMS0xLTEyOTM2MDA_8f6b79c4-f8d1-465e-b5ab-d65d7e9beaac">17,675</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="ia51b94357952457b9e544b2da70c018a_D20220101-20221231" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF81LTEtMS0xLTEyOTM2MDA_3dc84cd6-1d3b-46d2-93a8-1cfed03c2a2c">678</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i35494db89ca04cc38a745d5c685ae881_D20210101-20211231" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF81LTItMS0xLTEyOTM2MDA_82f8201b-996f-42e7-bbf3-0507b94cd7e0">5,728</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab69d7b95b014f5b9dd768311c042efb_D20200101-20201231" decimals="-6" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF81LTMtMS0xLTEyOTM2MDA_6a9c0b2b-a01c-4673-86fb-a93af5a96770">3,003</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb76b72c8c844ab39fa3b92e595a9f85_D20220101-20221231" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF81LTQtMS0xLTEyOTM2MDA_877391bd-2bae-48e8-9c57-c24a8cd651ae">1,945</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id24b2134d9074cd89b5344a9b4dc9b9b_D20210101-20211231" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF81LTUtMS0xLTEyOTM2MDA_52a7435c-3d26-441e-b4e7-ea19eb34253c">1,941</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7589b2d0aafd4dfda9d5a8459036f34e_D20200101-20201231" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF81LTYtMS0xLTEyOTM2MDA_49940018-f774-479b-9e63-41222887aee2">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-cash changes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia51b94357952457b9e544b2da70c018a_D20220101-20221231" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF82LTEtMS0xLTEyOTM2MDA_01aaff69-d2ff-4e1b-8f2f-7bef2fe08832">344</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i35494db89ca04cc38a745d5c685ae881_D20210101-20211231" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF82LTItMS0xLTEyOTM2MDA_0b8522e1-7f7f-47c9-8608-1d4479ed3541">289</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iab69d7b95b014f5b9dd768311c042efb_D20200101-20201231" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF82LTMtMS0xLTEyOTM2MDA_837ed41e-69c2-42e5-9920-cd1d719daa62">5,186</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb76b72c8c844ab39fa3b92e595a9f85_D20220101-20221231" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF82LTQtMS0xLTEyOTM2MDA_9c1ba910-4e2b-4e2a-b8cc-30ff9eba89d0">364</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="id24b2134d9074cd89b5344a9b4dc9b9b_D20210101-20211231" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF82LTUtMS0xLTEyOTM2MDA_4fc468bc-a361-4361-8bae-fb5903106847">513</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7589b2d0aafd4dfda9d5a8459036f34e_D20200101-20201231" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF84LTUtMS0xLTEyOTM2MDA_2b6d26b1-47ce-40fa-ae90-06ff39966e5f">772</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7589b2d0aafd4dfda9d5a8459036f34e_D20200101-20201231" decimals="-6" name="bbva:DisposalNonCash" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF85LTMtMS0xLTEyOTM2MDA_a2a3fdf4-6891-4bd3-899d-4fd8be0db7f3">3,160</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb76b72c8c844ab39fa3b92e595a9f85_D20220101-20221231" decimals="-6" name="bbva:DisposalEntitiesHeldForSale" format="ixt:fixed-zero" scale="6" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF85LTUtMS0xLTEyOTM2MDA_efbee560-bf9a-439f-91bf-472f313ddea5">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7589b2d0aafd4dfda9d5a8459036f34e_D20200101-20201231" decimals="-6" name="bbva:DisposalEntitiesHeldForSale" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF85LTYtMS0xLTEyOTM2MDA_360d151d-c92b-4437-bdc7-079e18379653">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange movement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia51b94357952457b9e544b2da70c018a_D20220101-20221231" decimals="-6" name="bbva:ForeignExchangeMovement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMC0xLTEtMS0xMjkzNjAw_99af0b20-098f-4f7f-856a-fb4efa5ded47">344</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i35494db89ca04cc38a745d5c685ae881_D20210101-20211231" decimals="-6" sign="-" name="bbva:ForeignExchangeMovement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMC0yLTEtMS0xMjkzNjAw_37bdb28c-3eba-46c1-8827-cbe852f8a10a">289</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="iab69d7b95b014f5b9dd768311c042efb_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignExchangeMovement" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMC0zLTEtMS0xMjkzNjAw_cb5227fe-ac4e-4665-a5e8-e50618df4910">2,026</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="icb76b72c8c844ab39fa3b92e595a9f85_D20220101-20221231" decimals="-6" sign="-" name="bbva:ForeignExchangeMovement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMC00LTEtMS0xMjkzNjAw_d9c5d7b4-dbf5-43c2-b672-d12995e6e5b0">364</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id24b2134d9074cd89b5344a9b4dc9b9b_D20210101-20211231" decimals="-6" name="bbva:ForeignExchangeMovement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMC01LTEtMS0xMjkzNjAw_0890e808-da76-4292-9c42-7af6d8245b7d">259</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="i7589b2d0aafd4dfda9d5a8459036f34e_D20200101-20201231" decimals="-6" sign="-" name="bbva:ForeignExchangeMovement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMC02LTEtMS0xMjkzNjAw_67f1d58e-77d1-4f2d-b260-a7263b4b583f">419</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Fair value changes</span></td><td colspan="3" style="padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ia51b94357952457b9e544b2da70c018a_D20220101-20221231" xsi:nil="true" name="bbva:IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMS0xLTEtMS0xMjkzNjAw_390df401-a75f-404f-a303-3c29ba916971"></ix:nonFraction></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i35494db89ca04cc38a745d5c685ae881_D20210101-20211231" decimals="-6" name="bbva:IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMS0yLTEtMS0xMjkzNjAw_f26cfd6b-515d-424d-b407-1826db1e578b">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iab69d7b95b014f5b9dd768311c042efb_D20200101-20201231" decimals="-6" name="bbva:IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMS0zLTEtMS0xMjkzNjAw_de9fb5ed-2123-4766-987d-c8ef32833bac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="icb76b72c8c844ab39fa3b92e595a9f85_D20220101-20221231" xsi:nil="true" name="bbva:IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMS00LTEtMS0xMjkzNjAw_cf8050e8-006a-487e-a47c-1bce6f398fd3"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id24b2134d9074cd89b5344a9b4dc9b9b_D20210101-20211231" decimals="-6" name="bbva:IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMS01LTEtMS0xMjkzNjAw_4d720baf-c145-463a-bb76-328c594213ba">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7589b2d0aafd4dfda9d5a8459036f34e_D20200101-20201231" decimals="-6" name="bbva:IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMS02LTEtMS0xMjkzNjAw_529e21c0-cd64-4e15-b6ae-aed05bf9a2b4">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at the end</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i344f547b121347829586486707dbe41b_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMi0xLTEtMS0xMjkzNjAw_bb116e20-3cb4-4c33-ae85-c4758f445054">55,429</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3834043f2fa1497d9d7537bc6cb117ef_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMi0yLTEtMS0xMjkzNjAw_ce503c56-46ec-4465-bbb9-3e24ce4a107e">55,763</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia36c462ef4c14540ac480d8e5a9bf2e0_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMi0zLTEtMS0xMjkzNjAw_cd1b3726-8422-47b5-bfa8-1f2cf0ced965">61,780</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i87e0f85187cf4980a9f2ae4d2e2f858e_I20221231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMi00LTEtMS0xMjkzNjAw_fe126535-f6c7-4d3a-be27-9f10d2f75f58">12,485</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia8aaa3f0c0974cec916382b917112581_I20211231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMi01LTEtMS0xMjkzNjAw_5c91bd37-9c71-451e-b7a2-6ee670623844">14,794</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9a59b4a5638840fba309da29311d308e_I20201231" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGFibGU6MzcwOWRhYTk3ODNlNGU4OTk2MzU1MzUzOWQyZmIwMTgvdGFibGVyYW5nZTozNzA5ZGFhOTc4M2U0ZTg5OTYzNTUzNTM5ZDJmYjAxOF8xMi02LTEtMS0xMjkzNjAw_7c03caf8-352a-46c7-bbd5-294e18a03c6b">17,248</ix:nonFraction></span></td></tr></table></div><div style="padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGV4dHJlZ2lvbjoyNjcxYTViNTQ0YzY0YzIwYjllY2UzZjZjNjhkMGQxNl81NzcyNDM2MDQ2NTM5MQ_ced8548e-24b0-45a8-96b9-d3514b290177" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) There were &#8364;24, &#8364;14 and &#8364;12 million of subordinated deposits as of December 31, 2022, 2021 and 2020, respectively (see Note 22.4 and Appendix VI). In addition, there were coupon payments on subordinated liabilities for &#8364;313, &#8364;359 and &#8364;387 million in 2022, 2021 and 2020, respectively. The subordinated issuances of BBVA Paraguay and of the USA Sale perimeter as of December 31, 2020 were recorded in the heading "Liabilities included in disposal groups classified as held for sale" of the consolidated balance and amounted to &#8364;37 and &#8364;735 million, respectively.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYwL2ZyYWc6MjY3MWE1YjU0NGM2NGMyMGI5ZWNlM2Y2YzY4ZDBkMTYvdGV4dHJlZ2lvbjoyNjcxYTViNTQ0YzY0YzIwYjllY2UzZjZjNjhkMGQxNl81NzcyNDM2MDQ2NTE1NA_013ef1c7-ab3c-43d4-894c-355c52ce969f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Includes mainly the balance of the USA Sale perimeter (see Notes 3 and 21).</ix:footnote></span></div></ix:nonNumeric></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1063"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">52.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfAccountantFeesAndServicesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV8zNjg_b0bb5be4-dd16-4d04-9383-9d3767da8b5a" continuedAt="i5cbab78db78c4da48f35a9be02473257" escape="true">Accountant fees and services</ix:nonNumeric></span></div><ix:continuation id="i5cbab78db78c4da48f35a9be02473257"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV8zNjk_61aa4cdb-0f31-439c-a60a-f70e3896c71c" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The details of the fees for the services contracted by entities of the BBVA Group for the year ended December 31, 2022, with their respective auditors and other audit entities are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:79.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.853%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fees for Audits conducted and other related services </span><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> (Millions of Euros) </span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Audits of the companies audited by firms belonging to the EY worldwide organization and other reports related with the audit </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZDE3OGMzODRmMzFjNDI3NzlhNzg5MzhiY2UyMjkyNzgvdGFibGVyYW5nZTpkMTc4YzM4NGYzMWM0Mjc3OWE3ODkzOGJjZTIyOTI3OF8yLTEtMS0xLTcxNDc3NA_875d673a-8745-450d-abf6-b0ab57841360">24.8</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reports required pursuant to applicable legislation and tax regulations issued by the national supervisory bodies of the countries in which the Group operates, reviewed by firms belonging to the EY worldwide organization</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZDE3OGMzODRmMzFjNDI3NzlhNzg5MzhiY2UyMjkyNzgvdGFibGVyYW5nZTpkMTc4YzM4NGYzMWM0Mjc3OWE3ODkzOGJjZTIyOTI3OF8zLTEtMS0xLTcxNDc3NA_77d69342-81ef-41bc-b636-b6f973d7f81f">1.0</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fees for audits conducted by other firms</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:FeesForAuditsConductedByOtherFirms" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZDE3OGMzODRmMzFjNDI3NzlhNzg5MzhiY2UyMjkyNzgvdGFibGVyYW5nZTpkMTc4YzM4NGYzMWM0Mjc3OWE3ODkzOGJjZTIyOTI3OF80LTEtMS0xLTcxNDc3NA_ea1dc50b-fa4b-40f0-aa25-d610510d70dd">0.1</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV81NzE3NDYwNDY0NTY2NQ_f0785bea-7941-4835-82ac-2c52ca603289" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Regardless of the billed year.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV81NzE3NDYwNDY0NTg1NA_d7be3be8-0d6e-460c-be6c-1c44d87a7d8f" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Including fees pertaining to annual legal audits (&#8364;21.8 million as of December 31, 2022)</ix:footnote>.</span></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:OtherServicesRenderedTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV8zNjU_344cf856-85c2-4274-8d9d-edbbfd5c3b2b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the year ended December 31, 2022, certain entities in the BBVA Group contracted other services (other than audits) as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:79.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.853%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other Services rendered (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Firms belonging to the EY worldwide organization</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:FirmsBelongingToTheEYWorldwideOrganization" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZTE1ODBjYWUxZjAyNGEzODkyYzQxMGY0M2UxMWNlZmYvdGFibGVyYW5nZTplMTU4MGNhZTFmMDI0YTM4OTJjNDEwZjQzZTExY2VmZl8yLTEtMS0xLTcxNDc3NA_2a4448fd-3d23-451c-ab44-1bfd343157f6">0.1</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:FeesForAuditsConductedTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV8zNjY_9de8066c-9791-47dd-a9ba-5be3d3d3c0fe" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This total of contracted services includes the detail of the services provided by Ernst &amp; Young, S.L. to BBVA, S.A. or its controlled companies at the date of preparation of these consolidated financial statements as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:79.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.853%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fees for audits conducted</span><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> (Millions of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Legal audit of BBVA,S.A. or its companies under control</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZTI1NDEyMGZiZGQ4NGRjZmE3YzE4MjA0MmJlYTE5N2EvdGFibGVyYW5nZTplMjU0MTIwZmJkZDg0ZGNmYTdjMTgyMDQyYmVhMTk3YV8yLTEtMS0xLTcxNDc3NA_7697c530-a0c9-4b54-b6cb-97d946c24320">7.6</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other audit services of BBVA, S.A. or its companies under control</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZTI1NDEyMGZiZGQ4NGRjZmE3YzE4MjA0MmJlYTE5N2EvdGFibGVyYW5nZTplMjU0MTIwZmJkZDg0ZGNmYTdjMTgyMDQyYmVhMTk3YV8zLTEtMS0xLTcxNDc3NA_200c2aea-71df-473f-9382-ba0c44ef06da">5.2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limited Review of BBVA, S.A. or its companies under control</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZTI1NDEyMGZiZGQ4NGRjZmE3YzE4MjA0MmJlYTE5N2EvdGFibGVyYW5nZTplMjU0MTIwZmJkZDg0ZGNmYTdjMTgyMDQyYmVhMTk3YV80LTEtMS0xLTcxNDc3NA_a5856df8-6d84-4613-af68-ebe58e73b04a">1.4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reports related to issuances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:ReportsRelatedToIssuances" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZTI1NDEyMGZiZGQ4NGRjZmE3YzE4MjA0MmJlYTE5N2EvdGFibGVyYW5nZTplMjU0MTIwZmJkZDg0ZGNmYTdjMTgyMDQyYmVhMTk3YV81LTEtMS0xLTcxNDc3NA_447c87e9-ace9-46d4-acc0-6253fd2d0bc0">0.4</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assurance services and other required by the regulator</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-5" name="bbva:AssuranceServicesAndOtherRequiredByTheRegulator" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGFibGU6ZTI1NDEyMGZiZGQ4NGRjZmE3YzE4MjA0MmJlYTE5N2EvdGFibGVyYW5nZTplMjU0MTIwZmJkZDg0ZGNmYTdjMTgyMDQyYmVhMTk3YV82LTEtMS0xLTcxNDc3NA_94c04776-d772-4757-afda-8dd3cbadbb0a">0.8</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDYzL2ZyYWc6NmJhODg4MGMwNjMwNDQ4ZTg2YWM3YWY1Nzg1MzQ5N2EvdGV4dHJlZ2lvbjo2YmE4ODgwYzA2MzA0NDhlODZhYzdhZjU3ODUzNDk3YV81NzE3NDYwNDY0NjE0OQ_68bbba10-c51d-4aa9-8f52-92677f94f357" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Services provided by Ernst &amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York and to the branch of BBVA in London.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The services provided by the auditors meet the independence requirements of the external auditor established under Audit of Accounts Law (Law 22/2015) and under the Sarbanes-Oxley Act of 2002 adopted by the Securities and Exchange Commission (SEC).</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-170</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1066"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">53.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDY2L2ZyYWc6YjRiYzc5NDIwZjc5NGFmYjhhNDY1YTFiZmExMDdkMGUvdGV4dHJlZ2lvbjpiNGJjNzk0MjBmNzk0YWZiOGE0NjVhMWJmYTEwN2QwZV8yMQ_00f06cae-1126-43ce-b801-d9eab0846ed6" continuedAt="i91f41950c18444648c8be3672b8863c0" escape="true">Related-party transactions</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i91f41950c18444648c8be3672b8863c0" continuedAt="i8e7ca02afd7d48db96ef1188f3a0ad7f">As financial institutions, BBVA and other entities in the Group engage in transactions with related parties in the normal course of their business. These transactions are not significant and are carried out under normal market conditions. As of December 31, 2022, 2021 and 2020, the following are the transactions with related parties:</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1069"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">53.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="i8e7ca02afd7d48db96ef1188f3a0ad7f" continuedAt="i05e2782af359471ebf3ade3e30c312b1">Transactions with significant shareholders</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i05e2782af359471ebf3ade3e30c312b1" continuedAt="iff8b65c20aec4252bc0763750e856037">As of December 31, 2022, 2021 and 2020, there were no shareholders considered significant (see Note 26).</ix:continuation></span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1072"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">53.2</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"><ix:continuation id="iff8b65c20aec4252bc0763750e856037" continuedAt="i340ca9ca3fa7484ab766d1d90cd0c69e">Transactions with BBVA Group entities</ix:continuation></span></div><ix:continuation id="i340ca9ca3fa7484ab766d1d90cd0c69e" continuedAt="if5fb3bbed440491cbd541d513892fb88"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGV4dHJlZ2lvbjo1NzNjODdkYWE5YzY0ZmFkYWJjMTI2M2VjYmM1ZjkyY18yNA_efca39b4-14b8-451a-b0dc-51ed22c5770a" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balances of the main captions in the consolidated balance sheets arising from the transactions carried out by the BBVA Group with associates and joint venture entities accounted for using the equity method are as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:64.231%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balances arising from transactions with entities of the Group (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to credit institutions</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id16634cdfe2e410fa7855a2e25d4f036_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8zLTEtMS0xLTcxNDc3NA_0ea4200b-f708-49e9-8969-bb1b4eab0a2a">9</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifbdbaf3141c24960ba47d7e8e01d9d95_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8zLTItMS0xLTcxNDc3NA_955d3af5-256e-4bc0-9873-c9843e1402b4">9</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127d1289a9e64f9099d91be44ad5c3e7_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8zLTMtMS0xLTcxNDc3NA_478023c2-a519-462c-9e53-1605d9ba771e">148</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id16634cdfe2e410fa7855a2e25d4f036_I20221231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV80LTEtMS0xLTcxNDc3NA_3da4fa95-243f-4ddb-a979-1371bbfc6f64">1,842</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifbdbaf3141c24960ba47d7e8e01d9d95_I20211231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV80LTItMS0xLTcxNDc3NA_15fbc4e4-1874-4f87-8fdc-3097d7d5656e">2,031</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127d1289a9e64f9099d91be44ad5c3e7_I20201231" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV80LTMtMS0xLTcxNDc3NA_4a8866e3-fc85-4bb0-a25c-0755239d8fd0">1,743</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id16634cdfe2e410fa7855a2e25d4f036_I20221231" decimals="-6" name="bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV81LTEtMS0xLTcxNDc3NA_2170c171-182d-4a17-b006-05bb5b48e057">7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifbdbaf3141c24960ba47d7e8e01d9d95_I20211231" decimals="-6" name="bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV81LTItMS0xLTcxNDc3NA_7a8a7e84-c615-4e3e-a927-22e175dcf774">7</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i127d1289a9e64f9099d91be44ad5c3e7_I20201231" decimals="-6" name="bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV81LTMtMS0xLTcxNDc3NA_70c4af22-5b95-47b8-a35d-71777400d306">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97a3576174b8466ba478937597921b68_I20221231" decimals="-6" name="bbva:DepositsFromCreditInstitutions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV83LTEtMS0xLTcxNDc3NA_b0ce0287-9ef4-4af0-a020-ffce40ccfdbb">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i755758be5b484ef787a6ca53dfa4ec81_I20211231" decimals="-6" name="bbva:DepositsFromCreditInstitutions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV83LTItMS0xLTcxNDc3NA_ea16131f-038b-4694-a3db-3cb4431b915f">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02e56a9e7e164a12b90183fa06753068_I20201231" decimals="-6" name="bbva:DepositsFromCreditInstitutions" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV84LTEtMS0xLTcxNDc3NA_f7947c68-e4d3-4a71-b525-4856e6f818b4">204</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i755758be5b484ef787a6ca53dfa4ec81_I20211231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV84LTItMS0xLTcxNDc3NA_9f265d71-a77d-4791-a825-f305038d5d42">296</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i02e56a9e7e164a12b90183fa06753068_I20201231" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV84LTMtMS0xLTcxNDc3NA_d4ba256f-4af2-4ec3-9ef8-4cced30a4ae6">791</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Memorandum accounts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0541f6467464338bf61762094acdfd7_I20221231" decimals="-6" name="bbva:FinancialGuaranteesGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMS0xLTEtMS03MTQ3NzQ_b39efd1f-95b8-4698-9a72-710b9b409831">136</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6a279aeb11c43f09c8910d245496ef5_I20211231" decimals="-6" name="bbva:FinancialGuaranteesGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMS0yLTEtMS03MTQ3NzQ_ca0c1c63-1dab-4fb3-9900-42395f5c922c">154</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b0fa0c94fb2403dbfd1f961642b6edc_I20201231" decimals="-6" name="bbva:FinancialGuaranteesGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMS0zLTEtMS03MTQ3NzQ_564e18d8-8803-42b6-8232-a2b2156786ea">132</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0541f6467464338bf61762094acdfd7_I20221231" decimals="-6" name="bbva:OtherCommitmentsGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMi0xLTEtMS03MTQ3NzQ_58b938eb-a1f5-41ec-9f51-993af922879d">751</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6a279aeb11c43f09c8910d245496ef5_I20211231" decimals="-6" name="bbva:OtherCommitmentsGivenRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMi0yLTEtMS03MTQ3NzQ_af87ed60-2dff-49cd-b5a7-888089f2bc75">1,056</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b0fa0c94fb2403dbfd1f961642b6edc_I20201231" decimals="-6" name="bbva:OtherCommitmentsGivenRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMi0zLTEtMS03MTQ3NzQ_f134884d-d449-4478-9ce8-9e8f8fe6a613">1,400</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic0541f6467464338bf61762094acdfd7_I20221231" decimals="-6" name="bbva:LoanCommitmentsGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMy0xLTEtMS03MTQ3NzQ_16b78b59-e642-42a1-bf2c-0d9796022709">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id6a279aeb11c43f09c8910d245496ef5_I20211231" decimals="-6" name="bbva:LoanCommitmentsGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMy0yLTEtMS03MTQ3NzQ_46539ea0-767f-430b-8fb0-b93121656267">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2b0fa0c94fb2403dbfd1f961642b6edc_I20201231" decimals="-6" name="bbva:LoanCommitmentsGivenRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6NDgwYjBhOGJiYTQ3NDg0MGE4MmJiNjcyYmFjMGRkMDUvdGFibGVyYW5nZTo0ODBiMGE4YmJhNDc0ODQwYTgyYmI2NzJiYWMwZGQwNV8xMy0zLTEtMS03MTQ3NzQ_2743b1ee-e856-4693-a974-6f2ee4e39a63">11</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGV4dHJlZ2lvbjo1NzNjODdkYWE5YzY0ZmFkYWJjMTI2M2VjYmM1ZjkyY18yNQ_0cd19e4e-f432-4693-98f0-5c79d962563d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balances of the main captions in the consolidated income statements resulting from transactions with associates and joint venture entities that are accounted for under the equity method are as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:66.080%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.842%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balances of consolidated income statement arising from transactions with entities of the Group (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest and other income</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl8zLTItMS0xLTcxNDc3NA_9c9951b9-e0c3-46ec-aeb4-1af5c4985a87">20</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl8zLTMtMS0xLTcxNDc3NA_59ff1cd8-6b24-4724-9d19-d7df8dc9e54b">16</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl8zLTQtMS0xLTcxNDc3NA_ab26eb91-5b57-4bf1-8c42-1f0b46f942b6">20</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:InterestExpenseRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl80LTItMS0xLTcxNDc3NA_f15712fd-dd6a-49ee-8ca9-af668da00a24">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:InterestExpenseRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl80LTMtMS0xLTcxNDc3NA_fcb7f7c7-02e8-4447-8c96-c0577e82018f">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:InterestExpenseRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl80LTQtMS0xLTcxNDc3NA_0728ef7e-8666-4c7b-86cc-fda17b3b1223">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:FeeAndCommissionIncomeRelatedPartiesTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl81LTItMS0xLTcxNDc3NA_31b54c61-a399-4207-96b1-78e1ea8f6310">5</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FeeAndCommissionIncomeRelatedPartiesTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl81LTMtMS0xLTcxNDc3NA_359059e2-bf8b-4e6f-b4f1-d0a8aeaaeba7">8</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:FeeAndCommissionIncomeRelatedPartiesTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl81LTQtMS0xLTcxNDc3NA_cb04aa2b-3a55-4658-a955-31c45b98561e">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-6" name="bbva:FeeAndCommissionExpenseRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl82LTItMS0xLTcxNDc3NA_e83f99de-e7d8-4158-a646-7975ff15b4d8">40</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-6" name="bbva:FeeAndCommissionExpenseRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl82LTMtMS0xLTcxNDc3NA_9f52d79d-ba19-45f0-ae5e-a5153578ddb0">31</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i92a7f2b456c6467d90cfff82c13d93a6_D20200101-20201231" decimals="-6" name="bbva:FeeAndCommissionExpenseRelatedPartyTransactions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDcyL2ZyYWc6NTczYzg3ZGFhOWM2NGZhZGFiYzEyNjNlY2JjNWY5MmMvdGFibGU6ZTA3YmY2MWI2MWU0NGJiY2JiODhhNDhkYzhjNzA0MmIvdGFibGVyYW5nZTplMDdiZjYxYjYxZTQ0YmJjYmI4OGE0OGRjOGM3MDQyYl82LTQtMS0xLTcxNDc3NA_d7a17eb5-8b2e-4966-9cd4-e5bae5013404">34</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">There were no other material effects in the consolidated financial statements arising from dealings with these entities, other than the effects from using the equity method (see Note 2.1) and from the insurance policies to cover pension or similar commitments (see Note 25) and the derivatives transactions arranged by BBVA Group with these entities, associates and joint ventures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, as part of its normal activity, the BBVA Group has entered into agreements and commitments of various types with shareholders of subsidiaries and associates, which have no material effects on the consolidated financial statements.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1075"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">53.3</span><ix:continuation id="if5fb3bbed440491cbd541d513892fb88" continuedAt="i5fc3ed1632cb4d049f7cebfdc37048d7"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:16.55pt">Transactions with members of the Board of Directors and Senior Management</span><span style="color:#ee2724;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%"> </span></ix:continuation></div><ix:continuation id="i5fc3ed1632cb4d049f7cebfdc37048d7" continuedAt="i0a527a4a5baa4c6f9e23b650a8ddb8a2"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGV4dHJlZ2lvbjpiYzQyYjdkZjIwNGM0ZjIzOWIzMGUyMmE0NzliNGQ1OV83MDE_30cf851a-29d8-4780-ad23-02bc9795ef51" continuedAt="i0d6eba1cca1c47bd98e7e1b56a514c1f" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The transactions entered into between BBVA or its Group companies with members of the Board of Directors and Senior Management of the Bank or their related parties were within the scope of the ordinary course of business of the Bank and were immaterial, defined as transactions the disclosure of which is not necessary to present a true and fair view of the Bank's equity, financial position and results, and were concluded on normal markets terms or on terms applicable to the rest of employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amount and nature of the main transactions carried out with members of the Board of Directors and Senior Management of the Bank, or their respective related parties, are shown below.</span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-171</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i0a527a4a5baa4c6f9e23b650a8ddb8a2"><ix:continuation id="i0d6eba1cca1c47bd98e7e1b56a514c1f"><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.295%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.446%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.374%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.604%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.878%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.921%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at 31</span><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">st</span><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> December of each year (thousands of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Directors</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Related parties of Directors</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Senior Management</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Directors</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Related parties of Directors</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Senior Management</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Directors</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Related parties of Directors</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Senior Management</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i901a688502bd46d4a0dbfd2648726cba_I20221231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTEtMS0xLTcxNDc3NA_f052860f-e9a0-4807-b3de-74adc73ec81a">668</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5ec3fe26d92946dd8f6a07ef7a9fa912_I20221231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTItMS0xLTcxNDc3NA_cf7452d2-ff41-448f-ba97-e5ff7c247328">1,880</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2c96d7bc5fd4d088a99c152266ae618_I20221231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTMtMS0xLTcxNDc3NA_69133efb-f115-4e60-8199-5fb061ba86d6">6,321</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3bf17acfb9040d4bae6d372ce409b7a_I20221231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTQtMS0xLTcxNDc3NA_340448e8-c0e1-46a9-8e0a-b3d138c617d2">764</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1864b231835d424097543e59464602c1_I20211231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTYtMS0xLTcxNDc3NA_cc54141f-6224-43cb-963c-53daa0118cfc">765</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i45a716dd709c4dbbbf7101efdf874cce_I20211231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTctMS0xLTcxNDc3NA_1fa18a92-f370-406a-847a-f9b513189035">207</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i82837c5bae104830ace357dabd86a1b9_I20211231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTgtMS0xLTcxNDc3NA_67d25a33-106f-4a68-91b4-e8a357f44a52">5,419</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5d0bfb2e23845ce96774e72bd44b34f_I20211231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTktMS0xLTcxNDc3NA_0535f88a-185a-4156-9f0e-f6e5e57388a1">573</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i19fbf5dc580a470291d23a319be96eb0_I20201231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTExLTEtMS03MTQ3NzQ_6fa596f6-a3b8-4c06-9824-072f3b648267">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i0175063d164a4a1ca0ab518906a448f7_I20201231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTEyLTEtMS03MTQ3NzQ_e8539a11-d470-475f-ae9b-9d2713bacefd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i413464981eb246adab0904639e370f6c_I20201231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTEzLTEtMS03MTQ3NzQ_8b26e7cb-1de1-48b2-949d-da429a1f1db4">5,349</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i262156d1e0ad432c85e74bc16ecd9c57_I20201231" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY18zLTE0LTEtMS03MTQ3NzQ_c24df6b9-c788-4824-888d-08b9cf3049f2">580</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank guarantees</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i901a688502bd46d4a0dbfd2648726cba_I20221231" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY180LTgtMS0xLTcxNDc3NA_269b3930-14cc-4e09-ab93-867e776458a3">10</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia5d0bfb2e23845ce96774e72bd44b34f_I20211231" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY180LTE0LTEtMS03MTQ3NzQ_c938da81-077f-47f9-8ae5-e5c5477baede">25</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business credit</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i901a688502bd46d4a0dbfd2648726cba_I20221231" decimals="-3" name="bbva:BusinessCreditToRelatedParties" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGFibGU6MjQxOWMxNTcxMmI2NDEzMmExYWYzNGJiMzE4NDAyZGMvdGFibGVyYW5nZToyNDE5YzE1NzEyYjY0MTMyYTFhZjM0YmIzMTg0MDJkY181LTE0LTEtMS03MTQ3NzQ_b512f210-40aa-43d4-a509-8f9540fa00ba">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDc1L2ZyYWc6YmM0MmI3ZGYyMDRjNGYyMzliMzBlMjJhNDc5YjRkNTkvdGV4dHJlZ2lvbjpiYzQyYjdkZjIwNGM0ZjIzOWIzMGUyMmE0NzliNGQ1OV81NzE3NDYwNDY0NjU0MQ_8c277541-57bc-4f33-a63c-2340cba7190b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Excluding executive directors</ix:footnote></span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Information on remuneration paid and other benefits granted to members of the Board of Directors and Senior Management of BBVA is provided in Note 54.</span></div></ix:continuation><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1081"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">54.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzcyNDM2MDQ2NTE1MQ_f2780706-7f60-4f13-95b1-b44b90c0f86c" continuedAt="ia79256430e134f5db5b5ae150be558ca" escape="true">Remuneration and other benefits for the Board of Directors and members of the Bank's Senior Management</ix:nonNumeric></span></div><ix:continuation id="ia79256430e134f5db5b5ae150be558ca" continuedAt="i11549bedbfb84eabb4bd3304cb39e1a5"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Remuneration received by non-executive directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The remuneration of the non-executive directors who are members of the Board of Directors during the financial years 2022 and 2021 is as follows, individually and by remuneration item: </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY1MTI2NA_52327c57-e05c-4b3b-afbd-63ff53f2910c" escape="true"><div style="margin-bottom:1pt;margin-top:1pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.080%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Remuneration for non-executive directors (thousands of Euros)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:36pt"><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Board of Directors</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Executive Committee </span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Audit Committee</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Risk and Compliance Committee</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Remuneration Committee </span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Appointments and Corporate Governance Committee</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Technology and Cybersecurity Committee</span></td><td colspan="3" rowspan="2" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other positions  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="6" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Jos&#233; Miguel Andr&#233;s Torrecillas</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="icb228e589c304cac825565d7369d6e9b_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8zLTEtMS0xLTE1MTg2MTY_bc35f911-fa91-4dee-a18c-d535a09e6f80">129</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i245303b071eb487b94cf6b71ed30d0ec_D20220101-20221231" 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name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi0xLTEtMS0xNTE4NjE2_fe9bb899-1c84-4660-b6b4-6e3d40dae4f9">129</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i53a199c32fa74405b76bfd3df7518737_D20220101-20221231" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi0yLTEtMS0xNTE4NjE2_e478b1ae-83aa-403e-b5e0-de7bcb1dfc54"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ie7d3698c810b4ab98ee84dddc55834cf_D20220101-20221231" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi0zLTEtMS0xNTE4NjE2_1a19850a-dba5-4c69-ae42-c5bbfee245c7"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="ifbae1cfab36543b894671c8944518660_D20220101-20221231" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi00LTEtMS0xNTE4NjE2_af9bbeba-2cb3-4692-80cd-f01ab035bad5"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic26a7f12db0a400f9d566973439d0e0b_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi01LTEtMS0xNTE4NjE2_b9cdcc98-07af-4494-a647-d08eca5e5794">43</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="iea5da2b6e16a490a90ff93ed06312f22_D20220101-20221231" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi02LTEtMS0xNTE4NjE2_b9e9b2f3-e976-49d5-aedf-e9d32245a66b"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie97bea50cae8465bbc43f90171c4ab2a_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi03LTEtMS0xNTE4NjE2_d612d173-4376-42dd-92ea-35801d85be7d">43</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="i80339cda1f374477afee950e1f9b34c9_D20220101-20221231" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi04LTEtMS0xNTE4NjE2_1b4ac911-2990-4dc2-9ffc-130fdead28a2"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i76bd18463d474fab832c7423017436b7_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi05LTEtMS0xNTE4NjE2_8be9a57d-8be2-4988-ae10-9d9fbebaefae">214</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5f09ecd6d2134ae1905d7ca739430128_D20210101-20211231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNi0xMC0xLTEtMTUxODYxNg_73e26bb3-2c4f-4337-ba9e-8df78612f695">214</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="if3b5a6b4362f40e7962425ebff471a42_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy0xLTEtMS0xNTE4NjE2_e3de8b6d-b732-4bd2-82d7-887b9e8b1753">1,684</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie2cd878f2f924b63abd356c1fed801a0_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy0yLTEtMS0xNTE4NjE2_5fd7290a-7c7c-417e-9cdf-e76391b399ad">667</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i789f412b3aa04f9facd47200703fa565_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy0zLTEtMS0xNTE4NjE2_b784c748-e831-4331-8a8e-c8803d92e81f">431</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2c9832a68f4241dbad33d9adf6a03370_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy00LTEtMS0xNTE4NjE2_ce61c7ab-ad43-4716-9da1-6cc9f83a10e9">642</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c9ea286c3f945c7a2ec90ed6b786e54_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy01LTEtMS0xNTE4NjE2_2b1c02ef-e4e4-4cbd-919a-20b60e5d82ef">278</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="id493a2516812406696c61cd1f1a3ad86_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy02LTEtMS0xNTE4NjE2_4130b94c-459f-4cbd-9711-206ba9aa7a22">301</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i12dec9db633141ba8ea235577df97247_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy03LTEtMS0xNTE4NjE2_a47b7611-b550-4f5c-8a4c-3b7130160006">168</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i27f4b52f384346cdabab30f0ba7f6959_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy04LTEtMS0xNTE4NjE2_ee5c5837-9d01-441c-96aa-5ed5fa697149">130</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy05LTEtMS0xNTE4NjE2_8b36d86b-5c9e-4c43-9765-a7541cd18e4d">4,300</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i81e8adb57d534656978c3a7448bc99ca_D20210101-20211231" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6MWQ4N2I5MzBlNWEwNGIzZmI3OGEzNmY1YzdlZGIyZWQvdGFibGVyYW5nZToxZDg3YjkzMGU1YTA0YjNmYjc4YTM2ZjVjN2VkYjJlZF8xNy0xMC0xLTEtMTUxODYxNg_0d9d1174-7910-4e07-9414-b0a8a1970e0f">4,293</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwOQ_e5dbe0fa-c1ae-4c11-b9b7-0d9f33a3c447" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Amounts perceived in 2022 and 2021 by Jos&#233; Miguel Andr&#233;s Torrecillas, as Deputy Chair of the Board, Juan Pi Llorens, as Lead Director (until April 28, 2022) and Ra&#250;l Galamba de Oliveira (from its appointment as Lead Director on April 28, 2022). </ix:footnote> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcxMA_7a6e9b31-9bcb-4fc7-8cf6-b0e0edfc56d3" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Director appointed by the General Meeting held on March 18, 2022. Remuneration received based on date of acceptance of office. </ix:footnote></span></div><div style="padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcxMQ_b25743c5-a583-42d4-a0ef-e0a0b4eec675" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) Director who left office on March 18, 2022. Remuneration for the term of office in 2022.</ix:footnote></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcxMg_6ceff796-bd70-457a-99aa-c860311631b8" footnoteRole="http://www.xbrl.org/2003/role/footnote">(4) Includes amounts corresponding to membership of the Board and its various committees during the 2022 and 2021 financial years.</ix:footnote></span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, in financial years 2022 and 2021, Carlos Salazar Lomel&#237;n received &#8364;90 thousand and &#8364;101 thousand, respectively, as per diems for his membership of the management body of BBVA M&#233;xico, S.A. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and the BBVA M&#233;xico strategy forum</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Also, during the 2022 and 2021 financial years, </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">110 thousand and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">102 thousand was paid out, respectively, in healthcare and casualty insurance premiums for non-executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Remuneration system with deferred delivery of shares for non-executive directors</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA has a fixed remuneration system with deferred delivery of shares for its non-executive directors, which was approved by the General Meeting held on 18 March 2006 and extended by resolutions of the General Meetings held on 11 March 2011 and 11 March 2016 for a further five-year period in each case, and by the General Meeting held on 20 April 2021 for a further three-year period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This system is based on the annual allocation to non-executive directors of a number of theoretical shares of BBVA equivalent to 20% of the total annual fixed allowance in cash received by each director in the previous financial year, calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the Annual General Meetings approving the corresponding financial statements for each financial year.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-172</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i11549bedbfb84eabb4bd3304cb39e1a5" continuedAt="i885ad33dc1a44c6ba304e5ec8c162869"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These shares will be delivered to each beneficiary, where applicable, after they leave their positions as directors for any reason other than serious dereliction of their duties.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:TheoreticalSharesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDY5Nw_c2881024-4869-49d9-93a9-7220e3e41b5b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the financial years 2022 and 2021, the following " theoretical shares" derived from the remuneration system with deferred delivery of shares have been allocated to the non-executive directors, in an amount equivalent to 20% of the total annual fixed cash allocation received by each of them in the financial years 2021 and 2020, respectively:</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:24.477%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.878%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.235%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.240%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Theoretical shares allocated</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Theoretical shares accumulated as of December 31</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Theoretical shares allocated</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Theoretical shares accumulated as of December 31 </span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jos&#233; Miguel Andr&#233;s Torrecillas</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9030cdec9fe44f6cbdc0256e61cf86c4_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18yLTEtMS0xLTE1MTg2NzA_9f69cfdb-29ec-4fd8-b330-3f2300854eb4">19,253</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9030cdec9fe44f6cbdc0256e61cf86c4_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18yLTItMS0xLTE1MTg2NzA_c0cb238f-6502-42f7-a7af-760aed446b82">118,025</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ic0617cfde3f64bb6a7fd230878e5f12d_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18yLTQtMS0xLTE1MTg2NzA_a90e43e0-2463-4cba-9db0-4ae08763dec3">22,860</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ic0617cfde3f64bb6a7fd230878e5f12d_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18yLTUtMS0xLTE1MTg2NzA_a2efa747-774c-44a9-a6c3-2e8357958b8f">98,772</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jaime Caruana Lacorte</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ia290c905b7b84d4e816442a6af9493af_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18zLTEtMS0xLTE1MTg2NzA_01a65d68-789d-4edf-812c-54ab21be9563">20,733</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ia290c905b7b84d4e816442a6af9493af_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18zLTItMS0xLTE1MTg2NzA_d810023a-7fa7-4dcc-939c-589d0c548fca">77,705</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i5146c5118ff14072a76428a42b72e5f3_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18zLTQtMS0xLTE1MTg2NzA_504ac595-df5b-41bc-b021-cf8d289d5548">25,585</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i5146c5118ff14072a76428a42b72e5f3_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18zLTUtMS0xLTE1MTg2NzA_262f1239-1dd1-4cd6-83c1-de677145c5df">56,972</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ra&#250;l Galamba de Oliveira</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i62733decf09d48c4b170d0eaf890246c_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM180LTEtMS0xLTE1MTg2NzA_4fc6ab9e-c27d-437a-9f3d-66c851accceb">10,177</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i62733decf09d48c4b170d0eaf890246c_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM180LTItMS0xLTE1MTg2NzA_69e630e6-e389-4310-8b53-56d3b1a0b670">19,677</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i748ec1d88dd74ba49a0a3770979c2f84_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM180LTQtMS0xLTE1MTg2NzA_abc697aa-198e-457f-b315-0c7c2862a5e2">9,500</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i748ec1d88dd74ba49a0a3770979c2f84_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM180LTUtMS0xLTE1MTg2NzA_897cbaae-531e-4468-a490-acd070f04a3a">9,500</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bel&#233;n Garijo L&#243;pez</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i18d093d0fdad4343b5f6d5d00a6d4e76_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM181LTEtMS0xLTE1MTg2NzA_64c3a2cb-a764-4d7d-8da8-b1c7b828a417">12,741</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i18d093d0fdad4343b5f6d5d00a6d4e76_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM181LTItMS0xLTE1MTg2NzA_0530583a-6640-4f65-9879-a1b2f670fab3">90,589</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ibe1b8e6438c142d8a51d41046de64a0c_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM181LTQtMS0xLTE1MTg2NzA_1b2c4fd9-9cbe-4d1a-939b-eba084ac37e7">15,722</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ibe1b8e6438c142d8a51d41046de64a0c_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM181LTUtMS0xLTE1MTg2NzA_4ce71689-7100-4635-a075-aab4efe23a00">77,848</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Connie Hedegaard </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i02dc2394cfbf4f2493f3c6fcf46db1aa_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM182LTEtMS0xLTE1MTg2NzA_ecfa7b49-6b7d-457a-837a-97d895adc078">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i02dc2394cfbf4f2493f3c6fcf46db1aa_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM182LTItMS0xLTE1MTg2NzA_68ff0c37-f482-401e-a4e4-e7791583d74b">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ie900544945734d9490d92f4d8759aa2b_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM182LTQtMS0xLTE1MTg2NzA_18f86d1f-6633-40ea-b615-23ac6dbff397">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ie900544945734d9490d92f4d8759aa2b_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM182LTUtMS0xLTE1MTg2NzA_7fea00a8-e500-4209-b67d-b0a42eda07ea">0</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sunir Kumar Kapoor </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i0d5b0757839c42509518d70e8ab61c0a_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM183LTEtMS0xLTE1MTg2NzA_88bd1f58-e04e-4937-93b3-5355bdf8900e">6,270</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i0d5b0757839c42509518d70e8ab61c0a_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM183LTItMS0xLTE1MTg2NzA_1d09a25a-6460-4c77-a92d-25df7331bf58">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i7ae224ca3e6d4b42b9dd908b10dfb469_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM183LTQtMS0xLTE1MTg2NzA_a88bc9f8-09af-4ece-90d5-06754caf7906">7,737</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i7ae224ca3e6d4b42b9dd908b10dfb469_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM183LTUtMS0xLTE1MTg2NzA_4e4890bb-a878-4542-942f-9f9efb49621e">30,652</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lourdes M&#225;iz Carro</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i37f3a4c9bbfd4e85acc0c29f11d00610_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM184LTEtMS0xLTE1MTg2NzA_eaf274fb-c933-431f-8720-43fffb860dd7">8,696</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i37f3a4c9bbfd4e85acc0c29f11d00610_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM184LTItMS0xLTE1MTg2NzA_a3ebb4bf-de86-4653-a7f9-ee8e47a8624e">64,356</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i54c1f53b0d2b491a8fc59400762d4901_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM184LTQtMS0xLTE1MTg2NzA_d5871397-b081-46f3-a970-98f1bb9943ed">10,731</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i54c1f53b0d2b491a8fc59400762d4901_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM184LTUtMS0xLTE1MTg2NzA_08f15aae-1b2d-459d-aeb5-6c1a4cb97d74">55,660</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jos&#233; Maldonado Ramos</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i2b5ce054182c4bab8e54b7e343764964_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM185LTEtMS0xLTE1MTg2NzA_3fae9151-495d-4f88-ab08-f3a65906b720">12,493</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i2b5ce054182c4bab8e54b7e343764964_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM185LTItMS0xLTE1MTg2NzA_e622756c-fb4d-4aed-9f10-d43e9a562027">136,477</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib49928581c434f0fb8dbdcd45ba70802_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM185LTQtMS0xLTE1MTg2NzA_8ee7eafb-2ea4-4ef7-af04-dc666f3aabbc">15,416</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib49928581c434f0fb8dbdcd45ba70802_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM185LTUtMS0xLTE1MTg2NzA_1a1eeb21-0745-47b0-8656-362789fadf2d">123,984</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ana Peralta Moreno</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib640abbe7f244952a6c4f24e9b9425fa_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMC0xLTEtMS0xNTE4Njcw_b03d4b39-8426-4666-a4d8-f6c587b4cbd3">8,696</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib640abbe7f244952a6c4f24e9b9425fa_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMC0yLTEtMS0xNTE4Njcw_4fb90843-7114-4f05-9773-c6dafa520aad">35,092</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib6a5cfc2fc254886a230867fc47a8495_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMC00LTEtMS0xNTE4Njcw_f8f9e912-1d81-49ae-b536-101d566e4e82">10,731</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib6a5cfc2fc254886a230867fc47a8495_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMC01LTEtMS0xNTE4Njcw_5c50773f-6e35-454c-97e9-c14a9cd49e96">26,396</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Juan Pi Llorens</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9e31cbc727e64c1fa3ba1759877a3a77_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMS0xLTEtMS0xNTE4Njcw_8847dd36-1bc2-4ea9-848c-0d4bd1404d0e">18,703</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9e31cbc727e64c1fa3ba1759877a3a77_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMS0yLTEtMS0xNTE4Njcw_63435326-cac2-434f-9b35-2a2e0206c7a1">134,599</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib959252d731745e09959b7581b0d8c72_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMS00LTEtMS0xNTE4Njcw_703eb7a1-799d-461f-b086-2657f4c16828">23,079</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib959252d731745e09959b7581b0d8c72_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMS01LTEtMS0xNTE4Njcw_a1690ebf-542d-465d-90ff-e72872711dc9">115,896</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ana Revenga Shanklin</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="if52d94ab3b254eaca13be310b807f01a_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMi0xLTEtMS0xNTE4Njcw_7f4c5f3a-7fda-4279-b75f-a6b2d94ee755">8,611</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="if52d94ab3b254eaca13be310b807f01a_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMi0yLTEtMS0xNTE4Njcw_34b13d43-c0eb-41e2-a053-3d1edbf62e5f">16,179</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i73d023072cd3411997b26fca13cc9614_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMi00LTEtMS0xNTE4Njcw_af18f524-01e6-4c7b-871f-8f2f480a7691">7,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i73d023072cd3411997b26fca13cc9614_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMi01LTEtMS0xNTE4Njcw_eaaaab16-9606-4936-adba-236fd626cefa">7,568</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Susana Rodr&#237;guez Vidarte</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i45dd0b417c724a5bbd52509fd896c865_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMy0xLTEtMS0xNTE4Njcw_a4df3bc6-7557-4578-b767-d39795c11ce2">16,400</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i45dd0b417c724a5bbd52509fd896c865_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMy0yLTEtMS0xNTE4Njcw_a3afb410-b6ba-4919-b111-14e4890ccc3e">177,775</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iae13dc068e7141bfb8757ed1926bfc22_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMy00LTEtMS0xNTE4Njcw_f16b2eb5-fee8-4412-b959-59a406f20f2f">20,237</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iae13dc068e7141bfb8757ed1926bfc22_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xMy01LTEtMS0xNTE4Njcw_2e861cda-e1a2-4bc1-863e-9f79a1de9951">161,375</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Carlos Salazar Lomel&#237;n</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="icfba7d9007ea48a0a6f7ed29169f53b1_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNC0xLTEtMS0xNTE4Njcw_6497d289-b56c-483c-b730-e728d078871f">6,270</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="icfba7d9007ea48a0a6f7ed29169f53b1_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNC0yLTEtMS0xNTE4Njcw_3a5cada4-94be-4692-9216-86450fdddae2">11,912</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iccf006a553bd4350a14068ce247ef401_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNC00LTEtMS0xNTE4Njcw_f4f55b9e-6d58-4d8d-b467-16ddef624ca9">5,642</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="iccf006a553bd4350a14068ce247ef401_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNC01LTEtMS0xNTE4Njcw_2b4202c6-1148-470a-97a5-49cd4fe50a09">5,642</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jan Verplancke</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i48d2f6ce317943cb90adbe235303cb2b_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNS0xLTEtMS0xNTE4Njcw_c15cdb28-be35-4f1f-ad18-cfc82d89c159">7,835</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i48d2f6ce317943cb90adbe235303cb2b_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNS0yLTEtMS0xNTE4Njcw_8a47fb50-1921-4b56-975f-aafbc2e49628">29,251</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i8d0080bb15bc469eb26e048c85f2a798_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNS00LTEtMS0xNTE4Njcw_033f3c77-4575-4f7b-9cb7-699ef4c185e1">9,024</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i8d0080bb15bc469eb26e048c85f2a798_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNS01LTEtMS0xNTE4Njcw_4fea2377-19bb-4a6f-be5c-11f9eb40ec82">21,416</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNi0xLTEtMS0xNTE4Njcw_6cb43bbe-3317-46d3-9d9b-22e1a6d1a8ae">156,878</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNi0yLTEtMS0xNTE4Njcw_a2a61324-dd0a-4d38-813e-dce3d20e87ef">911,637</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNi00LTEtMS0xNTE4Njcw_bb0a7193-c746-4328-89b8-049c3b782403">183,832</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6OTI0NjQ2NDQxOTMwNDliZThjMTQ4MTJiODdlMTNlMjMvdGFibGVyYW5nZTo5MjQ2NDY0NDE5MzA0OWJlOGMxNDgxMmI4N2UxM2UyM18xNi01LTEtMS0xNTE4Njcw_519bec4f-8701-49ef-bf66-5bf081e0f234">791,681</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwNg_968985cb-45d1-4c4d-be00-c25b779968dc" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Director appointed by the General Meeting held on 18 March 2022, therefore the allocation of theoretical shares is not due until 2023.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwNw_22458581-eeb7-4486-bc32-8f6c2d20de89" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Director who left office on 18 March 2022. In application of the system, he received a total of 36,922 BBVA shares after leaving office, which is equivalent to the total of theoretical shares accumulated up to that date.</ix:footnote></span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwOA_aceae332-262b-4b00-86f4-9695de4813b1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) The number of theoretical shares allocated in 2022 and 2021 to each non-executive director is equivalent to 20% of the total fixed annual cash allocation received in 2021 and 2020, respectively, based on the average of the closing prices of BBVA shares during the 60 trading sessions prior to the General Meetings of 18 March 2022 and 20 April 2021, which were </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">5.47 and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">4.44 per share, respectively.</span></ix:footnote></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Remuneration received by executive directors </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AnnualFixedRemunerationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDY5OA_792a2a9c-b4ff-4660-93b2-3a40939791c3" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The remuneration of executive directors for the financial years 2022 and 2021 in application of the BBVA Directors' Remuneration Policy approved by the General Meeting of 20 April 2021 is shown below, individually and by remuneration item: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:71.781%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.460%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annual Fixed Remuneration (thousands of Euros)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i243d139861094ef7a2410e330a332dc0_I20221231" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NmUzMDQyYWM0YWRmNDhhYmJkYTAyMWQ1ZDJjMzhhNTMvdGFibGVyYW5nZTo2ZTMwNDJhYzRhZGY0OGFiYmRhMDIxZDVkMmMzOGE1M18yLTEtMS0xLTE1MTg3MTI_73d587ec-f92f-4b48-b030-45932d415dcb">2,924</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5a954aafa58e4a5bac858781c5efddfb_I20211231" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NmUzMDQyYWM0YWRmNDhhYmJkYTAyMWQ1ZDJjMzhhNTMvdGFibGVyYW5nZTo2ZTMwNDJhYzRhZGY0OGFiYmRhMDIxZDVkMmMzOGE1M18yLTItMS0xLTE1MTg3MTI_b9913ec7-4b86-4384-95aa-be5251367fc8">2,924</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chief Executive Officer</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4e60b4caa3ae4733bb650fada2eaca0b_I20221231" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NmUzMDQyYWM0YWRmNDhhYmJkYTAyMWQ1ZDJjMzhhNTMvdGFibGVyYW5nZTo2ZTMwNDJhYzRhZGY0OGFiYmRhMDIxZDVkMmMzOGE1M18zLTEtMS0xLTE1MTg3MTI_0e502fe5-7909-4cfc-ae88-d3564ad467a0">2,179</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i31c7e29dbffc466c8dd0a4def9cd9d4c_I20211231" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NmUzMDQyYWM0YWRmNDhhYmJkYTAyMWQ1ZDJjMzhhNTMvdGFibGVyYW5nZTo2ZTMwNDJhYzRhZGY0OGFiYmRhMDIxZDVkMmMzOGE1M18zLTItMS0xLTE1MTg3MTI_e40de5d9-7f97-48f4-8658-6dbda22e2264">2,179</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NmUzMDQyYWM0YWRmNDhhYmJkYTAyMWQ1ZDJjMzhhNTMvdGFibGVyYW5nZTo2ZTMwNDJhYzRhZGY0OGFiYmRhMDIxZDVkMmMzOGE1M180LTEtMS0xLTE1MTg3MTI_271fb778-54c4-4654-a710-5265cf4a6008">5,103</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NmUzMDQyYWM0YWRmNDhhYmJkYTAyMWQ1ZDJjMzhhNTMvdGFibGVyYW5nZTo2ZTMwNDJhYzRhZGY0OGFiYmRhMDIxZDVkMmMzOGE1M180LTItMS0xLTE1MTg3MTI_e9b4377f-c4d5-4074-8bd1-3034d0298a3d">5,103</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, in accordance with the conditions established in the BBVA Directors' Remuneration Policy, during the 2022 and 2021 financial years, the Chief Executive Officer received </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">654 thousand each year as "cash in lieu of pension" (equivalent to 30% of his Annual Fixed Remuneration) as he does not have a retirement pension (see the "Pension commitments with executive directors" section of this Note), and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">600 thousand as mobility allowance. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.687%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.006%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.007%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Remuneration in kind (thousands of Euros)</span></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, during the financial years 2022 and 2021, remuneration in kind was paid to executive directors, including insurance and other premiums, amounting to </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">283 thousand and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">328 thousand in the case of the Chair, and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">155 thousand and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">158 thousand in the case of the Chief Executive Officer, respectively.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-173</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i885ad33dc1a44c6ba304e5ec8c162869" continuedAt="iaf8aaaf57ff14addb0ebaadf0c5ca2a2"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AnnualVariableRemunerationAVRTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDY5OQ_0f42efb0-c49f-4dca-95e6-2505cab1945b" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.081%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.081%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.390%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#d9d9d9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annual Variable Remuneration (AVR)</span></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In cash<br/>(thousands of Euros)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In cash<br/>(thousands of Euros)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib5f2da9f60934a91974562b5486f32a9_I20221231" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV8zLTEtMS0xLTE1MTg3NDg_c1a7c84d-96d9-4e28-b9fa-9405eee85504">926</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib5f2da9f60934a91974562b5486f32a9_I20221231" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV8zLTItMS0xLTE1MTg3NDg_857f5755-0356-487e-a01b-1adc673a2c06">158,169</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie6ebc1c4cd514f45b9b11b93ef0058f1_I20211231" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV8zLTQtMS0xLTE1MTg3NDg_75aa06f8-27c0-44c6-bb54-536100d20f26">849</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ie6ebc1c4cd514f45b9b11b93ef0058f1_I20211231" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV8zLTUtMS0xLTE1MTg3NDg_41796da9-c351-402e-bcf0-04512a6d5019">159,235</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chief Executive Officer</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ie82e0fcc84e5407b8cc163c571cae9f5_I20221231" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV80LTEtMS0xLTE1MTg3NDg_c0e1ffd4-f451-46d3-bfb9-9569e85b1d4a">712</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ie82e0fcc84e5407b8cc163c571cae9f5_I20221231" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV80LTItMS0xLTE1MTg3NDg_c908ab46-d913-4388-9ce9-1b291d1f7c58">121,646</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2990769b265e40c88cd7379de3005ebb_I20211231" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV80LTQtMS0xLTE1MTg3NDg_23d32452-4ee1-4c73-bdb6-e4ebc45fbd36">645</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i2990769b265e40c88cd7379de3005ebb_I20211231" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV80LTUtMS0xLTE1MTg3NDg_9a8a48a1-b656-43b8-b492-893c9b37cf9e">120,977</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV81LTEtMS0xLTE1MTg3NDg_faf48b67-11a0-403b-8db2-6cf3011c7809">1,639</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV81LTItMS0xLTE1MTg3NDg_fed4931c-715b-4c9c-94f0-b57dfba6d7b6">279,815</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV81LTQtMS0xLTE1MTg3NDg_9908cee8-0c6d-4ccd-a45d-a7a8116987c2">1,494</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Y2FmMzkyZTJjMzY3NDY0Nzk4NGRlMDVjNzA4NGFmNTkvdGFibGVyYW5nZTpjYWYzOTJlMmMzNjc0NjQ3OTg0ZGUwNWM3MDg0YWY1OV81LTUtMS0xLTE1MTg3NDg_ef9d8675-8f07-44ba-a560-e9b68bb73c79">280,212</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Remuneration corresponding to the initial portion (40%) of the Annual Variable Remuneration for the financial year 2021 paid in 2022. The Annual Variable Remuneration for the financial year 2021 is subject to the deferral, vesting and payment rules and the other conditions applicable to Annual Variable Remuneration set out in the BBVA Directors' Remuneration Policy. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(2) Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration for the financial year 2022, which will be paid, if the conditions are met, during the first quarter of the financial year 2023, in equal parts in cash and BBVA shares. The remaining 60% will be deferred (40% in cash and 60% in shares) for a period of five years (Deferred Portion) and paid, if conditions are met, proportionally at the end of each of the five years of deferral, in an amount equal to 20% of the Deferred Portion each year. The Deferred Portion may be reduced, but never increased, depending on the results of the multi-year performance indicators determined by the Board of Directors at the beginning of the financial year 2022. After the end of the financial year corresponding to the third year of deferral, the results of the multi-year performance indicators shall determine the ex post adjustments, if any, to be made to the outstanding amount of the Deferred Portion. All of this is subject to the vesting and payment rules provided for in the BBVA Directors' Remuneration Policy.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the remaining rules set forth in the BBVA Directors&#8217; Remuneration Policy regarding the Annual Variable Remuneration of executive directors will be applicable to 2022 Annual Variable Remuneration, including: (i) a withholding period of one year after delivery of the BBVA shares received; (ii) the prohibition of hedging strategies or insurance that may undermine the effects of alignment with prudent risk management; (iii) update of the Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements during the whole deferral and withholding period; and (v) the limitation of variable remuneration up to a maximum amount of 200% of the fixed component of the total remuneration, as resolved by the General Meeting held on 2022.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwMA_3108fe3c-4b26-4df8-abc8-1dea2a29e752" continuedAt="icf639d93c7834154b7a479724ebfa5b6" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:16.029%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.880%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.801%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.880%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.804%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred Annual Variable Remuneration from previous financial years</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Deferred</span><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">AVR</span></div></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">In cash</span><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(thousands of Euros)</span></div></td><td colspan="3" style="border-left:1pt solid 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="5" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Chair</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" 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style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifb4304a32c9648cc978d89832e5f7a9f_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF81LTYtMS0xLTE1MTg3Nzk_b7e32433-645f-44d6-86ba-e36b116a29f3">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ifb4304a32c9648cc978d89832e5f7a9f_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF81LTctMS0xLTE1MTg3Nzk_c95ef6f8-1d7a-41d3-86ef-e2ea24c92764">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2018</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i817891dad6884cf1b5d1087d35ec5a03_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF82LTMtMS0xLTE1MTg3Nzk_06e698a5-191f-44be-b86e-8a64244db0c6">128</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i817891dad6884cf1b5d1087d35ec5a03_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF82LTQtMS0xLTE1MTg3Nzk_cf14dd10-b2c1-4719-bece-f7567388e74a">35,795</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3a6214d058b947cd9c834cfe3b0511a3_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF82LTYtMS0xLTE1MTg3Nzk_bb8092f8-fee7-417a-bdf8-8e83ab86c76a">364</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i3a6214d058b947cd9c834cfe3b0511a3_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF82LTctMS0xLTE1MTg3Nzk_aa4ab460-4a5e-46b9-8c0e-a012586c7376">107,386</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #929292;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2017</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i77dc3c35f2c246b2bbabed0b500b302d_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF83LTMtMS0xLTE1MTg3Nzk_a7305f6b-116b-452a-9c6d-a3993fcec4bd">154</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i77dc3c35f2c246b2bbabed0b500b302d_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF83LTQtMS0xLTE1MTg3Nzk_0d915885-f036-4081-a4d5-6e8252fb1346">27,898</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i600354e7002e485d9ba1071f5832aae9_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF83LTYtMS0xLTE1MTg3Nzk_3370f8f5-bfb9-46d7-be9b-bb123bcb44f3">146</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i600354e7002e485d9ba1071f5832aae9_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF83LTctMS0xLTE1MTg3Nzk_90d04abd-a7ed-4a81-985e-720a3005fe27">27,898</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i04b0c0b665b3416a9ec74cc64b98c48d_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF84LTMtMS0xLTE1MTg3Nzk_757176d8-3822-4c2f-89ff-8c7200e0ebc7">1,011</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i04b0c0b665b3416a9ec74cc64b98c48d_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF84LTQtMS0xLTE1MTg3Nzk_f5825724-50b6-4b13-94b1-8510de941f03">257,605</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i98da4c2070304fdd880a16c8fe9d8a6f_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF84LTYtMS0xLTE1MTg3Nzk_db09e976-e1e8-4319-a3f5-36744bf6294a">510</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i98da4c2070304fdd880a16c8fe9d8a6f_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF84LTctMS0xLTE1MTg3Nzk_8990eb88-4ce3-4d4f-965e-1a61b8edbdef">135,284</ix:nonFraction></span></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="5" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Chief Executive Officer</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="iea1f37cc442b4ed0a41a8f4542645d36_I20221231" decimals="-3" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMC00LTEtMS0xNTE4Nzc5_423bfd9d-8d08-47f9-ac06-0c7bf72fd604">43,552</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i795b00943251458087e25636deeba320_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMC02LTEtMS0xNTE4Nzc5_94ebad42-0a92-43e2-8f27-2a0c8bd3e23d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i795b00943251458087e25636deeba320_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMS02LTEtMS0xNTE4Nzc5_e391ee51-c708-4256-b169-42b762a6f8f9">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i7d943b0264294cd391b5f269f8c1b937_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i42648887257b47dfba88d3ebeeac5d6f_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMi00LTEtMS0xNTE4Nzc5_6a5f0ba5-b8e4-45a8-847f-fcf9b31044da">122,572</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2018</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ia84e3a6077ad4d23a6a03d7b9482eb2c_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMy0zLTEtMS0xNTE4Nzc5_7c114e13-aac5-4aee-890f-72e4ee28bb0a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ia84e3a6077ad4d23a6a03d7b9482eb2c_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMy00LTEtMS0xNTE4Nzc5_aefcce45-e72d-4135-93de-78d0ac751e74">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i4050290b29864609bc570081a8d50354_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMy02LTEtMS0xNTE4Nzc5_2e3ad803-d367-4939-bec4-8f63852161be">332</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i4050290b29864609bc570081a8d50354_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xMy03LTEtMS0xNTE4Nzc5_ffcae8ce-1858-4aa7-8ccf-a10a47d9183e">61,282</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #929292;border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2017</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i97f0a6198b28485f99989215b386f4b8_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNC0zLTEtMS0xNTE4Nzc5_7b8e9895-209c-4a29-9d4f-71c21ddb65e3">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i97f0a6198b28485f99989215b386f4b8_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNC00LTEtMS0xNTE4Nzc5_0368c4db-fcd8-4717-8997-c43f49da1aca">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i2892450ead6540fcb88509312588fb4f_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNC02LTEtMS0xNTE4Nzc5_3e90151b-44af-4a32-bb13-729be2c83d5d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-left:1pt solid #ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i2892450ead6540fcb88509312588fb4f_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNC03LTEtMS0xNTE4Nzc5_276f7f0b-e1b9-41b4-9a33-208071f19435">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic06f73a40ff94ba1a2dcca4c31ff8171_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNS0zLTEtMS0xNTE4Nzc5_b9cbdb47-0719-4095-b3db-79a246c22c56">624</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ic06f73a40ff94ba1a2dcca4c31ff8171_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNS00LTEtMS0xNTE4Nzc5_4ed1d39b-705f-44dd-a56a-6b890b323e4e">166,124</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i1c7a0c2604ba416993817a22b95d34ae_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNS02LTEtMS0xNTE4Nzc5_cf567918-82cf-4fe9-a984-8f8abf5219b4">332</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i1c7a0c2604ba416993817a22b95d34ae_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNS03LTEtMS0xNTE4Nzc5_13c05ad9-5ec4-4b61-ad58-30f627b95912">61,282</ix:nonFraction></span></td></tr><tr><td colspan="6" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNi0zLTEtMS0xNTE4Nzc5_9fb1905f-20c5-47ea-9ade-fb51bb3d4ff8">1,635</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNi00LTEtMS0xNTE4Nzc5_87c28999-eaff-4cc0-a5bf-74f1104d6e2f">423,729</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNi02LTEtMS0xNTE4Nzc5_54213df2-3c4b-49f2-832f-5df34318ed1f">842</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6YTljNTdkZjM0MjljNDI5MWFiMmQ0YWNhOTM2N2M0NjQvdGFibGVyYW5nZTphOWM1N2RmMzQyOWM0MjkxYWIyZDRhY2E5MzY3YzQ2NF8xNi03LTEtMS0xNTE4Nzc5_64e6c9e4-be4c-47cc-a029-d3892ac61284">196,566</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Deferred remuneration from previous financial years to be awarded after 2021 year-end. Award to the Chair and the Chief Executive Officer took place in 2022, in the percentages applicable in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt">2018 Deferred AVR: in 2022, the first payment was made (60% of the Deferred Portion) in the case of the Chair and the full payment in the case of the Chief Executive Officer, including in both cases the update of their portion in cash. This remuneration is associated with their previous positions as Chief Executive Officer and President &amp; CEO of BBVA USA, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt">2017 Deferred AVR: in 2022, the Chair was paid the second payment (20% of the Deferred Portion), including the update of his portion in cash. This remuneration is associated with his former position as Chief Executive Officer. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(2) Deferred remuneration from previous years to be awarded after 2022 year-end. Award to the Chair and/or Chief Executive Officer will take place in 2023 in the percentages applicable in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt">2021 Deferred AVR: corresponding to the first payment (20% of the Deferred Portion) to the executive directors, including the update of their portion in cash. Thereafter, 80% of the 2021 Deferred AVR will be deferred for both executive directors and, if the conditions are met, it will be paid in 2024, 2025, 2026 and 2027.</span></div></ix:nonNumeric></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-174</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="iaf8aaaf57ff14addb0ebaadf0c5ca2a2" continuedAt="i03a2fd6dff444bb0a3171ccd94abe730"><ix:continuation id="icf639d93c7834154b7a479724ebfa5b6" continuedAt="i76c1d1fcd47540178e6858c5d012ac06"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt">2019 Deferred AVR: corresponding to the first payment (60% of the Deferred Portion) to the executive directors, including the update of their portion in cash, and after having verified that no reduction was applicable based on the result of the multi-year performance indicators determined in 2019 by the Board of Directors. Thereafter, 40% of the 2019 Deferred AVR will be deferred for both executive directors and, if the conditions are met, it will be paid in 2024 and 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt">2018 Deferred AVR: corresponds to the second payment (20% of the Deferred Portion) to the Chair, including the update of his portion in cash. Following this, 20% of the 2018 Deferred AVR will be deferred and if the conditions are met, it will be paid in 2024. This remuneration is associated with his previous position as Chief Executive Officer. </span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i76c1d1fcd47540178e6858c5d012ac06" continuedAt="ida95a21b79504099a08833cd3ef44a75">&#8226;</ix:continuation></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"><ix:continuation id="ida95a21b79504099a08833cd3ef44a75">2017 Deferred AVR: corresponds to the third and final payment (20% of the Deferred Portion) to the Chair, including the update of his portion in cash. Following this, the payment to the Chair of the 2017 Deferred AVR will be finalized. This remuneration is associated with his previous position as Chief Executive Officer.</ix:continuation>  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Pension commitments with executive directors </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Bank has not assumed any pension obligations with non-executive directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With regard to the executive directors, the BBVA Directors' Remuneration Policy establishes a pension framework whereby, in the case of the Chair, he is eligible to receive a retirement pension, paid in either income or capital, when he reaches the legally established retirement age, provided that he does not leave his position as a result of serious dereliction of his duties. The amount of this pension will be determined by the annual contributions made by the Bank, together with their corresponding accumulated yields at that date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The annual contribution to cover the retirement contingency in the Chair's defined contribution system, established in the BBVA Directors' Remuneration Policy approved by the General Meeting in 2021, is </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">439 thousand. The Board of Directors may update this amount during the term of the Policy, in the same way and under the same terms as it may update the Annual Fixed Remuneration. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">15% of the agreed annual contribution will be based on variable components and considered &#8220;discretionary pension benefits&#8221; and will, therefore, be subject to the conditions regarding delivery in shares, withholding and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in accordance with the BBVA Directors' Remuneration Policy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the event that the Chair's contract is terminated before he reaches retirement age for reasons other than serious dereliction of duties, the retirement pension payable to the Chair upon him reaching the legally established retirement age will be calculated based on the funds accumulated through the contributions made by the Bank up to that date, as per the terms set out, plus the corresponding accumulated yield, with no additional contributions to be made by the Bank as of the time of termination.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With respect to the commitments in favor of the Chair to cover the contingencies of death and disability, the Bank will pay the corresponding annual insurance premiums in order to top up this coverage.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with the foregoing, in the financial year 2022, an amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">451 thousand has been registered, comprising the agreed annual contribution to cover the retirement contingency, which is </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">439 thousand, and an amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">12 thousand corresponding to the upward adjustment of the "discretionary pension benefits" for the financial year 2021, which were declared at the end of that year and which corresponded to the contribution to the accumulated fund in 2022. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">473 thousand in premiums for death and disability has also been paid.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the total accumulated amount of the fund to meet the retirement commitments for the Chair amounted to </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">22,771 thousand.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With regard to the agreed annual contribution for the retirement contingency corresponding to the 2022 financial year, 15% (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">66 thousand) was registered in said financial year as &#8220;discretionary pension benefits&#8221;. Following the end of the financial year, this amount was adjusted by applying the same criteria used to determine the Annual Variable Remuneration for the Chair for the 2022 financial year and was determined to amount to </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">85 thousand, which represents an upward adjustment of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">19 thousand. These &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2023 financial year and will be subject to the conditions established for them in the BBVA Directors' Remuneration Policy. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With regard to the Chief Executive Officer, in accordance with the provisions of the BBVA Directors' Remuneration Policy and those in his contract, the Bank has not undertaken any retirement commitments, although he is entitled to an annual cash sum instead of a retirement pension (cash in lieu of pension) equal to 30% of his Annual Fixed Remuneration. In accordance with the above, in the 2022 financial year, the Bank paid the Chief Executive Officer the amount of fixed remuneration in the form of "cash in lieu of pension", as described in the "Remuneration received by executive directors" section of this Note.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">However, the Bank has undertaken commitments to cover the death and disability contingencies for the Chief Executive Officer, for which the corresponding annual insurance premiums are paid. To this end, in 2022, </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">285 thousands of euros have been recognized for this concept.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-175</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i03a2fd6dff444bb0a3171ccd94abe730" continuedAt="i9118f2d80b994a15824e01449151b2e2"><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:ExecutiveDirectorsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwMQ_16b33428-2ec2-4754-a93a-30c6526e4608" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:20.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.826%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#d9d9d9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Executive directors (thousands of Euros)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contributions </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Funds accumulated</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retirement</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Death and disability</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chair</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7902007ce27949448c3e6352f87c4f75_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV80LTEtMS0xLTE1MTg4OTU_132aba76-647c-490f-b0cb-283c4839605e">451</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice680d386e984aa3ad3b49aa37b2b03f_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV80LTItMS0xLTE1MTg4OTU_ae4bddd5-8ea3-47aa-a38b-b76b032c4fd2">340</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7902007ce27949448c3e6352f87c4f75_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV80LTQtMS0xLTE1MTg4OTU_a6e9cdcf-dcd4-49cf-b754-16e3b6234089">473</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice680d386e984aa3ad3b49aa37b2b03f_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV80LTUtMS0xLTE1MTg4OTU_f3be314d-3062-4fcf-bce6-499988af8897">574</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i7902007ce27949448c3e6352f87c4f75_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV80LTctMS0xLTE1MTg4OTU_7e14919f-9157-4ac7-aa2e-430ff52564ea">22,771</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ice680d386e984aa3ad3b49aa37b2b03f_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV80LTgtMS0xLTE1MTg4OTU_375153ed-ccd6-443d-99ab-4fb49463ff79">24,546</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Chief Executive Officer</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c534ca5d64841b99ea097c6c0858e3b_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV81LTEtMS0xLTE1MTg4OTU_bcfbee40-e262-42e1-b9f3-842270da66b9">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i863433314bd54563b640e24e00433aa5_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV81LTItMS0xLTE1MTg4OTU_f0f1ccaa-769e-4027-811d-7f0692e7e1cd">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c534ca5d64841b99ea097c6c0858e3b_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV81LTQtMS0xLTE1MTg4OTU_4a06e3f6-71d9-47db-98cc-7d423d416f81">285</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i863433314bd54563b640e24e00433aa5_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV81LTUtMS0xLTE1MTg4OTU_beb1e3ac-fd59-492c-a1a7-c2d73f719224">295</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3c534ca5d64841b99ea097c6c0858e3b_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV81LTctMS0xLTE1MTg4OTU_ea4620be-035a-4feb-a604-7547bd76dbac">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i863433314bd54563b640e24e00433aa5_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV81LTgtMS0xLTE1MTg4OTU_3ae0de65-1a25-4c36-9701-b1d43443b1a5">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV82LTEtMS0xLTE1MTg4OTU_6737dac0-9c28-41df-b396-bd289345ddfa">451</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV82LTItMS0xLTE1MTg4OTU_a3f92903-32b0-4d7d-bf90-1acc5d292ae4">340</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV82LTQtMS0xLTE1MTg4OTU_d5953abd-c40a-4058-87a0-27a3f34ea4c8">758</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV82LTUtMS0xLTE1MTg4OTU_d144cdc8-dce3-493b-b950-71c258281752">869</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV82LTctMS0xLTE1MTg4OTU_4c14caf1-6d81-49af-a47a-475988f8ff90">22,771</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NzEyMThkYjVkMjg5NDA0MTgzZTBiYTI2MTFjMGY0YjUvdGFibGVyYW5nZTo3MTIxOGRiNWQyODk0MDQxODNlMGJhMjYxMWMwZjRiNV82LTgtMS0xLTE1MTg4OTU_ae3f28a9-188d-4574-84ca-4989ad9da3df">24,546</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcxNA_af5e07b6-ab60-4e16-bedb-e747f4851b0b" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Contributions recognized to meet pension commitments to executive directors in financial years 2022 and 2021. In the case of the Chair, these correspond to the sum of the annual retirement pension contribution and the adjustment made to the "discretionary pension benefits" for the financial years 2021 and 2020, the contribution to which was to be made in the financial years 2022 and 2021, respectively, and with the death and disability premiums. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2022 and 2021 to cover the contingencies of death and disability, given that, in his case, the Bank has not undertaken any commitments to cover the retirement contingency .</ix:footnote></span></ix:nonNumeric></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Remuneration received by Senior Management </span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AnnualFixedRemunerationSeniorManagementTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwMg_b35f6bd1-24b3-4108-8151-6da321baabfc" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The remuneration of all Senior Management, excluding executive directors, for the financial years 2022 and 2021 (16 members with such status as of December, 31 2022 and 2021), in application of the BBVA Group General Remuneration Policy applicable to them, is shown below by remuneration item: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:71.781%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.460%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annual Fixed Remuneration (thousands of Euros)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior Management Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:SeniorManagementTotalAnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWVjMzIxMWVlZTAyNDdhOGIwNmY2MWFhZTNmN2MwYjEvdGFibGVyYW5nZTo1ZWMzMjExZWVlMDI0N2E4YjA2ZjYxYWFlM2Y3YzBiMV8yLTEtMS0xLTE1MTg5NTU_c59d0624-cddc-49b5-a29a-df32a2ec7d39">18,149</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:SeniorManagementTotalAnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWVjMzIxMWVlZTAyNDdhOGIwNmY2MWFhZTNmN2MwYjEvdGFibGVyYW5nZTo1ZWMzMjExZWVlMDI0N2E4YjA2ZjYxYWFlM2Y3YzBiMV8yLTItMS0xLTE1MTg5NTU_9782ca46-798d-4950-8f0f-b14a3d9de6c7">16,435</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:60.687%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.006%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.007%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Remuneration in kind (thousands of Euros)</span></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the financial years 2022 and 2021, remuneration in kind, including insurance and other premiums, has been paid to all Senior Management, excluding executive directors, for an aggregate total amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">1,093 thousand and </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">1,409 thousand, respectively.</span></div><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwMw_f3dbe4e0-34f3-483e-9118-a4edf2475c23" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:27.867%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.386%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.570%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.389%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#d9d9d9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annual Variable Remuneration (AVR)</span></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td><td colspan="3" style="background-color:#d9d9d9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In cash <br/>(thousands of Euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In cash <br/>(thousands of Euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior Management Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ifd5cd0d8f4bc4f19b76a4e60afb5cdab_I20221231" decimals="-3" name="bbva:AnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6ZDEzMDM3MTY1NDAyNDk1MGIzZmFkZDI0ZDY0NDYyYTkvdGFibGVyYW5nZTpkMTMwMzcxNjU0MDI0OTUwYjNmYWRkMjRkNjQ0NjJhOV8zLTEtMS0xLTE1MTg5OTQ_8ec08a96-5886-44c2-b618-5f30daa5d96a">2,143</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ifd5cd0d8f4bc4f19b76a4e60afb5cdab_I20221231" decimals="0" name="bbva:AnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6ZDEzMDM3MTY1NDAyNDk1MGIzZmFkZDI0ZDY0NDYyYTkvdGFibGVyYW5nZTpkMTMwMzcxNjU0MDI0OTUwYjNmYWRkMjRkNjQ0NjJhOV8zLTItMS0xLTE1MTg5OTQ_6a07275f-cb48-4641-8da5-04fcd0c55912">365,746</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic4b5941ea2d745469ee3f5179bfc0228_I20211231" decimals="-3" name="bbva:AnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6ZDEzMDM3MTY1NDAyNDk1MGIzZmFkZDI0ZDY0NDYyYTkvdGFibGVyYW5nZTpkMTMwMzcxNjU0MDI0OTUwYjNmYWRkMjRkNjQ0NjJhOV8zLTQtMS0xLTE1MTg5OTQ_bdb96f16-1aae-4ec9-b5e7-678af95ec9a2">1,849</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ic4b5941ea2d745469ee3f5179bfc0228_I20211231" decimals="0" name="bbva:AnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6ZDEzMDM3MTY1NDAyNDk1MGIzZmFkZDI0ZDY0NDYyYTkvdGFibGVyYW5nZTpkMTMwMzcxNjU0MDI0OTUwYjNmYWRkMjRkNjQ0NjJhOV8zLTUtMS0xLTE1MTg5OTQ_375cd7b4-cf3c-4266-af5a-3183c5307871">346,106</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration for the financial year 2021 paid in the first half of 2022. The Annual Variable Remuneration for the financial year 2021 is subject to the deferral, vesting and payment rules and the other conditions applicable to Annual Variable Remuneration set out in the BBVA Group General Remuneration Policy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(2) Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration for the financial year 2022, which will be paid, if the conditions are met, during the first quarter of the financial year 2023, in equal parts in cash and BBVA shares. The remaining 60% will be deferred (40% in cash and 60% in shares) for a period of five years (Deferred Portion) and paid, if conditions are met, proportionally at the end of each of the five years of deferral, in an amount equal to 20% of the Deferred Portion each year. The Deferred Portion may be reduced, but never increased, depending on the results of the multi-year performance indicators determined by the Board of Directors at the beginning of the financial year 2022. After the end of the financial year corresponding to the third year of deferral, the results of the multi-year performance indicators shall determine the ex post adjustments, if any, to be made to the outstanding amount of the Deferred Portion. All of this is subject to the vesting and payment rules provided for in the BBVA Group General Remuneration Policy.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the remaining rules applicable to the Annual Variable Remuneration of the members of Senior Management established in the BBVA Group General Remuneration Policy shall apply to the Annual Variable Remuneration for the financial year 2022, which include: (i) a withholding period of one year after delivery of the BBVA shares received; (ii) the prohibition of hedging strategies or insurance that may undermine the effects of alignment with prudent risk management; (iii) update for the Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements during the whole deferral and withholding period; and (v) the limitation of variable remuneration up to a maximum amount of 200% of the fixed component of the total remuneration, as resolved by the General Meeting held on 2022.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-176</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i9118f2d80b994a15824e01449151b2e2" continuedAt="i9f72fb1424bc4de2bdd6ac635545e3e5"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwNA_9dc2e907-9bde-4733-a90b-2bf11d4cc32f" continuedAt="i5e8466199144434d840fc9b95453639d" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:21.858%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.570%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.846%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.878%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.850%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred Annual Variable Remuneration from previous financial years </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred AVR</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In cash </span><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(thousands of Euros)</span></div></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In shares </span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In cash </span><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(thousands of Euros)</span></div></td><td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="5" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior Management Total</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i32cd3f4577af49b7bc3f1a94af74e597_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV8zLTQtMS0xLTE1MTkwMjg_2e548a00-cef4-4861-b692-c1ae4e6e98f0">124,602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i793146d328ec4041a0e7a562486f088c_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV8zLTYtMS0xLTE1MTkwMjg_d085f9ad-f912-477c-9e16-5ae957a2f4aa">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i793146d328ec4041a0e7a562486f088c_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV8zLTctMS0xLTE1MTkwMjg_8fc56af0-26e1-4db8-a834-90fa8842299b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i19feee96b9824cd2a3d33bd8a683fd13_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV80LTQtMS0xLTE1MTkwMjg_f8afa3e7-f266-4169-b33f-3cc4e6a9524f">0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ib3b0658944ae485dac6374539e783452_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV80LTYtMS0xLTE1MTkwMjg_45a35e70-5f87-4197-82d8-84dc656ce40a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ib3b0658944ae485dac6374539e783452_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV80LTctMS0xLTE1MTkwMjg_884c4d41-81b3-4878-bea1-88a8dcae49ae">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span 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style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i3f3c7293fb6c4f8e9df3843a3832bf3a_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV81LTQtMS0xLTE1MTkwMjg_01175140-b7a7-4c09-8636-6c1945ab5980">320,172</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i8c098f1e17c74a70b70dd403fe704ce6_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV81LTYtMS0xLTE1MTkwMjg_26767b85-bc5c-478b-a1c4-56c5ecbc4643">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i8c098f1e17c74a70b70dd403fe704ce6_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV81LTctMS0xLTE1MTkwMjg_32da1232-25d3-437c-8190-e6e9308c86c1">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2018</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i5be25bdfb4c5491695bd099f9f775502_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV82LTMtMS0xLTE1MTkwMjg_edb01d32-5906-4fda-9970-59a6589d5893">152</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i5be25bdfb4c5491695bd099f9f775502_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV82LTQtMS0xLTE1MTkwMjg_587d2056-78fa-47c7-9889-8087ba47998c">41,442</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ic37d8d0582bf43cc8b3c5734f14411e4_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV82LTYtMS0xLTE1MTkwMjg_6620bb5e-bb13-4d91-a6f1-657cbc439d24">697</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ic37d8d0582bf43cc8b3c5734f14411e4_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV82LTctMS0xLTE1MTkwMjg_0f56db39-c8cc-42fc-9cc7-9b8faf37c08e">177,104</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2017</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ia14fbea0185f47ee87da469e68fbb2e4_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV83LTQtMS0xLTE1MTkwMjg_37baf4fb-e4c5-4d23-bf43-956bf632c7c7">29,267</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="ide99ad19c88246199116084432432cc6_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV83LTYtMS0xLTE1MTkwMjg_ff4158f2-6992-4a71-a732-3827c110b7c0">158</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="ide99ad19c88246199116084432432cc6_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV83LTctMS0xLTE1MTkwMjg_db3c1fc9-cf69-4fbc-96f5-32d3a952a920">29,267</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="6" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV84LTMtMS0xLTE1MTkwMjg_6556e750-705a-450f-bd1e-0b0015af6285">2,149</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV84LTQtMS0xLTE1MTkwMjg_102cb30b-a8ed-42ec-8001-3668dad91a0f">515,483</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV84LTYtMS0xLTE1MTkwMjg_7ddc2c8c-aa78-4c1d-a740-f4a3f11f9c58">855</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="i44c626d3b6744c30b755304e31af5f80_I20211231" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6NWU2ODc1NTA1MDE3NGNlN2JjNTkyOTEyZWUzOWE2ZTEvdGFibGVyYW5nZTo1ZTY4NzU1MDUwMTc0Y2U3YmM1OTI5MTJlZTM5YTZlMV84LTctMS0xLTE1MTkwMjg_1bbc2068-824b-449a-976c-ba650dd059a0">206,371</ix:nonFraction></span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Deferred remuneration from previous financial years to be awarded after 2021 year-end. Award to Senior Management who were beneficiaries took place in 2022 in the percentages applicable in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt">2018 Deferred AVR: in 2022, the members of Senior Management who were beneficiaries have been paid the amounts that corresponded in each case in accordance with the payment schedule established in the remuneration policies in force in 2018, including the update of their portion in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt">2017 Deferred AVR: in 2022, the second payment (20% of the Deferred Share) has been paid to the members of the Senior Management who were beneficiaries, including the update of their portion in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(2) Deferred remuneration from previous years to be awarded after 2022 year-end. Award to members of Senior Management who are beneficiaries will take place in 2023 in the percentages applicable in each case in accordance with the vesting and payment rules established in the remuneration policies in force in each financial year:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt">2021 Deferred AVR: corresponds to the first payment (20% of the Deferred Portion), including the update of their portion in cash. Thereafter, 80% of the 2021 Deferred AVR will be deferred, and if the conditions are met, it will be paid in 2024, 2025, 2026 and 2027.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt">2019 Deferred AVR: corresponds to the first payment (60% of the Deferred Portion) or payment in full (depending on the payment schedule set out in the policies in force in 2019) including the update of their portion in cash, and after having verified that no reduction is applicable based on the result of the multi-year performance indicators determined in 2019 by the Board of Directors. In addition, the first payment of the Deferred Portion of a withholding plan is payable to two members of Senior Management. Thereafter, 40% of the 2019 Deferred AVR will be deferred for certain members of Senior Management. For the two members of Senior Management with withholding plans, the remaining 40% will be paid, if the conditions are met, in 2024 and 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt">2018 Deferred AVR: corresponds to the second payment (20% of the Deferred Portion) including the update of their portion in cash. Thereafter, 20% of the 2018 Deferred AVR will be deferred, and if the conditions are met, it will be paid in 2024. </span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i5e8466199144434d840fc9b95453639d" continuedAt="ic531cdcc978044b0abe886752a1a1758">&#8226;</ix:continuation></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"><ix:continuation id="ic531cdcc978044b0abe886752a1a1758">2017 Deferred AVR: corresponds to the third and final payment (20% of the Deferred Portion), including the update of their portion in cash. After this, the payment of the 2017 Deferred AVR to its beneficiaries will be finalized.</ix:continuation> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Pension commitments with members of Senior Management </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the 2022 financial year, an aggregate total amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">3,694 thousand has been recognized in 2022 to cover pension commitments to members of Senior Management (16 members with such status as of December 31, 2022, excluding executive directors), which corresponds to the annual contribution agreed to cover the retirement contingency, increased by an amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">111 thousand corresponding to the upward adjustment of the "discretionary pension benefits" for the financial year 2021, which were registered at the end of the financial year 2021 and which should have been contributed to the accumulated fund in 2022. Furthermore, an aggregate total amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">1,465 thousand in premiums for death and disability has also been paid. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December, 31 2022, the total accumulated amount of the fund to meet the retirement commitments for members of Senior Management amounted to </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">29,435 thousand.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As in the case of executive directors, 15% of the annual contributions agreed for members of Senior Management to cover the contingency of retirement will be based on variable components and will be considered "discretionary pension benefits", and will therefore be subject to the conditions of delivery in shares, withholding and recovery established in the applicable regulations, as well as to such other conditions of variable remuneration as may be applicable to them in accordance with the remuneration policy applicable to members of Senior Management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For these purposes, of the annual contribution for the retirement contingency recognized in the 2022 financial year, an amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">536 thousand has been recognized in the 2022 financial year as "discretionary pension benefits" and, once the financial year is closed, as in the case of the Chair, this amount has been adjusted, applying the same criteria used to determine the Annual Variable Remuneration of the members of Senior Management corresponding to the 2022 financial year. As a result, the "discretionary pension benefits" for the year, corresponding to all members of Senior Management, have been determined at a total combined amount of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">689 thousand, which represents an upward adjustment of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8364;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">153 thousand. These &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund for the 2023 financial year, and will be subject to the conditions established for them in the remuneration policy applicable to members of Senior Management, in accordance with the regulations applicable to the Bank on this matter.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-177</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><ix:continuation id="i9f72fb1424bc4de2bdd6ac635545e3e5" continuedAt="i197ad027379b450fac3b6439b658776d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:SeniorManagementTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGV4dHJlZ2lvbjpjMjc4NDY0YjVhYmE0MjJlOWFiNGU1Zjg5OTYzMTYxMl81NzE3NDYwNDY4NDcwNQ_71b80424-8901-4dbc-a2d2-6ada146937cd" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:20.339%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.565%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.826%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#d9d9d9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior Management (thousands of Euros)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contributions </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Funds accumulated</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retirement</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Death and disability</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior Management Total</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6fda70333b5547ce813abb51fb593766_I20221231" decimals="-3" name="bbva:SeniorManagementRetirement" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Nzg5MDM0ZmU2OTJjNDc5Mzg1Y2U0NTk5NWY0NzQ4NDAvdGFibGVyYW5nZTo3ODkwMzRmZTY5MmM0NzkzODVjZTQ1OTk1ZjQ3NDg0MF80LTEtMS0xLTE1MTkzMDQ_38551a04-4f65-4589-9d72-32f6c1dc0054">3,694</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3710746ba7af4f01aa2935548eedb4f7_I20211231" decimals="-3" name="bbva:SeniorManagementRetirement" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Nzg5MDM0ZmU2OTJjNDc5Mzg1Y2U0NTk5NWY0NzQ4NDAvdGFibGVyYW5nZTo3ODkwMzRmZTY5MmM0NzkzODVjZTQ1OTk1ZjQ3NDg0MF80LTItMS0xLTE1MTkzMDQ_05b0502e-571a-474a-9484-eb9de6bbb422">3,056</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6fda70333b5547ce813abb51fb593766_I20221231" decimals="-3" name="bbva:SeniorManagementDeathAndDisability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Nzg5MDM0ZmU2OTJjNDc5Mzg1Y2U0NTk5NWY0NzQ4NDAvdGFibGVyYW5nZTo3ODkwMzRmZTY5MmM0NzkzODVjZTQ1OTk1ZjQ3NDg0MF80LTQtMS0xLTE1MTkzMDQ_3b87b2dc-2b22-4c84-8a0e-cea67745b229">1,465</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3710746ba7af4f01aa2935548eedb4f7_I20211231" decimals="-3" name="bbva:SeniorManagementDeathAndDisability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Nzg5MDM0ZmU2OTJjNDc5Mzg1Y2U0NTk5NWY0NzQ4NDAvdGFibGVyYW5nZTo3ODkwMzRmZTY5MmM0NzkzODVjZTQ1OTk1ZjQ3NDg0MF80LTUtMS0xLTE1MTkzMDQ_1c9e0f1c-9409-45d5-82be-399865496a39">1,333</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i6fda70333b5547ce813abb51fb593766_I20221231" decimals="-3" name="bbva:SeniorManagementFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Nzg5MDM0ZmU2OTJjNDc5Mzg1Y2U0NTk5NWY0NzQ4NDAvdGFibGVyYW5nZTo3ODkwMzRmZTY5MmM0NzkzODVjZTQ1OTk1ZjQ3NDg0MF80LTctMS0xLTE1MTkzMDQ_1015838c-6917-4058-8048-897c5346c953">29,435</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i3710746ba7af4f01aa2935548eedb4f7_I20211231" decimals="-3" name="bbva:SeniorManagementFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDgxL2ZyYWc6YzI3ODQ2NGI1YWJhNDIyZTlhYjRlNWY4OTk2MzE2MTIvdGFibGU6Nzg5MDM0ZmU2OTJjNDc5Mzg1Y2U0NTk5NWY0NzQ4NDAvdGFibGVyYW5nZTo3ODkwMzRmZTY5MmM0NzkzODVjZTQ1OTk1ZjQ3NDg0MF80LTgtMS0xLTE1MTkzMDQ_9ab96496-8157-403b-8fe2-15eaf9e6f68f">27,472</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Contributions recognized to meet pension commitments to all Senior Management in 2022 and 2021, which correspond to the sum of the annual retirement pension contributions and the adjustments made to the "discretionary pension benefits" for 2021 and 2020 whose contribution was to be made in 2022 and 2021, respectively, and to the insurance premiums paid by the Bank for death and disability contingencies.</span></ix:nonNumeric></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Payments for the termination of the contractual relationship </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with the BBVA Directors' Remuneration Policy, the Bank has no commitments to pay severance indemnity to executive directors. </span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="i197ad027379b450fac3b6439b658776d">With regard to Senior Management, excluding executive directors, the Bank did not make any payments arising from the termination of contractual relationships in 2022 and 2021.</ix:continuation> </span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1084"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">55.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="ifrs-full:DisclosureOfAdditionalInformationExplanatory" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDg0L2ZyYWc6M2Y2YmI5YjZhMWVkNDZmNDkxYTUyMzlhOWYzOTQzMjIvdGV4dHJlZ2lvbjozZjZiYjliNmExZWQ0NmY0OTFhNTIzOWE5ZjM5NDMyMl8zMzU_768964d0-9e39-4c35-984f-5721bd483219" continuedAt="ia580e82eabd54963a045ada246c3db48" escape="true">Other information</ix:nonNumeric></span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-35.44pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"><ix:continuation id="ia580e82eabd54963a045ada246c3db48" continuedAt="ia3b1f1fff9914a85ab289f7d139c531f">Environmental impact</ix:continuation></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"><ix:continuation id="ia3b1f1fff9914a85ab289f7d139c531f">The Group has no environmental liabilities, expenses, assets, provisions or contingencies that could have a significant effect on its consolidated equity, financial situation and profits. Consequently, as of December 31, 2022, there is no item included in the Consolidated Financial Statements that requires disclosure in an environmental information report pursuant to Ministry JUS/616/2022, of June 30, by which the new model for the presentation of consolidated annual accounts in the Commercial Register is approved</ix:continuation>.</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1087"></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">56.</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"><ix:nonNumeric contextRef="i268095e475d54d1c91801d3a37cebac2_D20220101-20221231" name="bbva:DisclosureOfSubsequentEventsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMDg3L2ZyYWc6OTgwOWU3Yjc3OTY3NDdmMjkwMWZiNjI4YjcxYzkzM2QvdGV4dHJlZ2lvbjo5ODA5ZTdiNzc5Njc0N2YyOTAxZmI2MjhiNzFjOTMzZF8yNzU_4eade746-6e74-43a9-aae9-21fd5587d836" continuedAt="idbfaee7749cb47aabb1296f9d8d3071d" escape="true">Subsequent events</ix:nonNumeric></span></div><ix:continuation id="idbfaee7749cb47aabb1296f9d8d3071d"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 1, 2023, it was announced that a cash distribution in the amount of &#8364;0.31 gross per share, to be paid in April as a final dividend for the year 2022, and the execution of a share buyback program of BBVA for an amount of &#8364;422 million, would be proposed to the relevant corporate bodies for consideration, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution (see Note 4).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In relation to the recent earthquake in Turkey, at these early stages, the Group is working on the definition of some emergency measures to help alleviate the effects of the humanitarian crisis caused by this catastrophe.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">In addition, internal protocols have been put in place to monitor the situation and begin to assess the direct and future impacts for the Group that may arise from it. The direct exposure of the Group in the affected areas is not significant and, up to the date of approval of these Consolidated Financial Statements, no relevant impacts on the future continuity of the Group's operations and business in Turkey have been identified. However, it is not possible at this time to carry out a precise evaluation of the future impacts that may derive from this situation. Such impacts, if applicable, will be recorded in the Group's financial statements for the respective period(s) impacted.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">From January 1, 2023 to the date of preparation of these Consolidated Financial Statements, no other subsequent events not mentioned above in these financial statements have taken place that could significantly affect the Group&#8217;s earnings or its equity position.</span></div></ix:continuation><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-178</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1090"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:14pt;text-align:center"><img src="bbva-20221231_g1.jpg" alt="bbva-20221231_g1.jpg" style="height:180px;margin-bottom:5pt;vertical-align:text-bottom;width:600px"/></div><div style="margin-bottom:10pt;text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:36pt;font-weight:700;line-height:115%">Appendices</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-179</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1093"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX I. Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 2022</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.857%"><tr><td style="width:1.0%"></td><td style="width:24.481%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.853%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.853%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.117%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.117%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.121%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% share of participation </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)   </span></div></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Millions of Euros </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity excluding profit (loss)</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">31.12.2022</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit (loss) </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">31.12.2022</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ACTIVOS MACORP SL</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.64</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.36</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ADQUIRA MEXICO SA DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ALCALA 120 PROMOC. Y GEST.IMMOB. S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ANIDA GRUPO INMOBILIARIO SL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,194</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,189</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ANIDA INMOBILIARIA, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ANIDA OPERACIONES SINGULARES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,142</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,128</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ANIDA PROYECTOS INMOBILIARIOS, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ANIDAPORT INVESTIMENTOS IMOBILIARIOS, UNIPESSOAL, LTDA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PORTUGAL                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ANTHEMIS BBVA VENTURE PARTNERSHIP LLP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED KINGDOM</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">APLICA NEXTGEN OPERADORA S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">APLICA NEXTGEN SERVICIOS S.A. DE C.V</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARRAHONA IMMO, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">53</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">114</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARRAHONA NEXUS, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">62</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARRELS CT FINSOL, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">75</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARRELS CT PATRIMONI I PROJECTES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARRELS CT PROMOU SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BAHIA SUR RESORT S.C.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INACTIVE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.95</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.95</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANCO BBVA ARGENTINA S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26.59</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">66.55</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">671</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">925</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANCO BBVA PER&#218; SA (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">46.12</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">46.12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,278</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">474</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA URUGUAY SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">URUGUAY                             </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">110</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">29</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANCO OCCIDENTAL SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.43</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.57</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANCO PROVINCIAL OVERSEAS NV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CURA&#199;AO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANCO PROVINCIAL SA - BANCO UNIVERSAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1.46</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">53.75</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">55.21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">208</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBV AMERICA SL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.80</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.20</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">581</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">31</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA (SUIZA) SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SWITZERLAND</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">114</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA AGENCIA DE SEGUROS COLOMBIA LTDA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA AI FACTORY SL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA ASSET MANAGEMENT ARGENTINA SAU SOCIEDAD GERENTE DE FONDOS COMUNES DE INVERSI&#211;N</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA ASSET MANAGEMENT MEXICO SA DE CV, SOC.OPERADORA DE FONDOS DE INVERSION, GRUPO FRO. BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">13</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA ASSET MANAGEMENT SA SAF</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA ASSET MANAGEMENT SA SGIIC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(80)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">116</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA ASSET MANAGEMENT SA SOCIEDAD FIDUCIARIA (BBVA FIDUCIARIA)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA AXIAL TECH SA DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">192</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">249</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA BOLSA SOCIEDAD AGENTE DE BOLSA S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SECURITIES DEALER</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA BRASIL BANCO DE INVESTIMENTO SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BRAZIL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA BROKER ARGENTINA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA BROKER CORREDURIA DE SEGUROS Y REASEGUROS SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.94</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.06</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In accordance with Article 3 of Royal Decree 1159/2010, of September 17, in order to determine the state, the voting power relating to subsidiaries was added to the voting power directly held by the parent. Therefore, the number of votes corresponding to the parent company (including indirect control subsidiaries), corresponds to each subsidiary holding a direct ownership interest.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Amount without considering the interim dividends of the year, according to the provisional financial statements of each company, generally as of December 31, 2022. In the carrying amount (net of provision and hedge in foreign operations), the Group&#180;s ownership percentage has been applied, without considering the impairment of goodwill. Information on foreign companies at exchange rate as of December 31, 2022. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Full consolidation method is used according to accounting rules (see Glossary). </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-180</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 2022 (continued)</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.857%"><tr><td style="width:1.0%"></td><td style="width:29.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.558%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.122%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% share of participation </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)   </span></div></td><td colspan="9" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Millions of Euros </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity excluding profit (loss)</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">31.12.2022</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit (loss) </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">31.12.2022</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA COLOMBIA, S.A.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">77.41</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">18.06</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">95.47</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">341</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,062</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">193</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA CONSUMER FINANCE ENTIDAD DE DESARROLLO A LA PEQUE&#209;A Y MICRO EMPRESA EDPYME, S.A. (BBVA CONSUMER FINANCE - EDPYME)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA DISCOVERY INC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(8)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA DISTRIBUIDORA DE SEGUROS S.R.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">URUGUAY                             </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA FUNDOS S.GESTORA FUNDOS PENSOES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PORTUGAL                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA GLOBAL FINANCE LTD</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CAYMAN ISLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OTHER ISSUANCE COMPANIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA GLOBAL MARKETS BV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">NETHERLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OTHER ISSUANCE COMPANIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA GLOBAL SECURITIES, B.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">NETHERLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OTHER ISSUANCE COMPANIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA HOLDING CHILE, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CHILE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">61.22</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">38.78</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">299</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">43</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA INFORMATION TECHNOLOGY ESPA&#209;A, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">76.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">76.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA INSTITUI&#199;AO FINANCEIRA DE CREDITO, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PORTUGAL                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.90</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.10</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">61</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA LEASING MEXICO, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">214</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA MEDIACION OPERADOR DE BANCA-SEGUROS VINCULADO, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.99</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.01</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(14)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">27</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA MEXICO, S.A. INSTITUCION DE BANCA MULTIPLE GRUPO FINANCIERO BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14,382</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10,770</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,611</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA NEXT TECHNOLOGIES OPERADORA, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA NEXT TECHNOLOGIES SLU</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA NEXT TECHNOLOGIES, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA OP3N S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA OPERADORA MEXICO, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA PENSIONES MEXICO, S.A. DE C.V., GRUPO FINANCIERO BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">336</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">242</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">95</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA PENSIONES, S.A. ENTIDAD GESTORA DE FONDOS DE PENSIONES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA PERU HOLDING SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">109</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,066</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">219</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA PREVISION AFP, S.A. ADM.DE FONDOS DE PENSIONES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BOLIVIA                             </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">75.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">80.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA PROCESSING SERVICES INC.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA RE INHOUSE COMPA&#209;IA DE REASEGUROS, S.E.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SECURITIES INC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">233</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(13)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SEGUROS ARGENTINA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">87.78</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">12.22</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SEGUROS COLOMBIA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">94.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SEGUROS DE VIDA COLOMBIA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">94.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">81</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SEGUROS M&#201;XICO, S.A. DE CV GRUPO FINANCIERO BBVA MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">518</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">228</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">290</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SEGUROS, S.A. DE SEGUROS Y REASEGUROS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.96</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">713</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">675</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">223</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SEGUROS SALUD MEXICO, S.A. DE CV GRUPO FRO. BBVA MEXICO.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SERVICIOS ADMINISTRATIVOS MEXICO, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">52</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(16)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SERVICIOS CORPORATIVOS MEXICO, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SERVICIOS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COMMERCIAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA SOCIEDAD TITULIZADORA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OTHER ISSUANCE COMPANIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA TRADE, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In accordance with Article 3 of Royal Decree 1159/2010, of September 17, in order to determine the state, the voting power relating to subsidiaries was added to the voting power directly held by the parent. Therefore, the number of votes corresponding to the parent company (including indirect control subsidiaries), corresponds to each subsidiary holding a direct ownership interest.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Amount without considering the interim dividends of the year, according to the provisional financial statements of each company, generally as of December 31, 2022. In the carrying amount (net of provision and hedge in foreign operations), the Group&#180;s ownership percentage has been applied, without considering the impairment of goodwill. Information on foreign companies at exchange rate as of December 31, 2022. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-181</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 2022 (continued)</span></div><div style="margin-bottom:1pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.857%"><tr><td style="width:1.0%"></td><td style="width:20.295%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.062%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.892%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.892%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.892%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.892%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.892%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.895%"></td><td style="width:0.1%"></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">% share of participation </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.57pt;font-weight:700;line-height:120%;position:relative;top:-1.92pt;vertical-align:baseline">(1)   </span></div></td><td colspan="9" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Millions of Euros </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.57pt;font-weight:700;line-height:120%;position:relative;top:-1.92pt;vertical-align:baseline">(2)</span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Equity excluding profit (loss)<br/>31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:700;line-height:120%">Profit (loss) <br/>31.12.2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">BBVA VALORES COLOMBIA, S.A. COMISIONISTA DE BOLSA</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SECURITIES DEALER</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">BILBAO VIZCAYA HOLDING SAU</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">160</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">321</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">(32)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CAIXA MANRESA IMMOBILIARIA ON CASA, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CARTERA E INVERSIONES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">131</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CASA DE BOLSA BBVA MEXICO, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SECURITIES DEALER</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">69</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">24</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CATALONIA PROMODIS 4, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CATALUNYACAIXA IMMOBILIARIA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">194</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">181</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CATALUNYACAIXA SERVEIS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CDD GESTIONI S.R.L. IN LIQUIDAZIONE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">ITALY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CIDESSA DOS, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CIERVANA, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">53</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">52</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COMERCIALIZADORA CORPORATIVA SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COMERCIALIZADORA DE SERVICIOS FINANCIEROS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COMPA&#209;IA CHILENA DE INVERSIONES, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">99.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">0.03</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">272</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CONSOLIDAR A.F.J.P, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">46.11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">53.89</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CONTENTS AREA, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CONTINENTAL DPR FINANCE COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CAYMAN ISLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CONTRATACION DE PERSONAL, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CORPORACION GENERAL FINANCIERA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">510</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">885</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">19</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CREA MADRID NUEVO NORTE, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">75.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">75.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">130</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">(4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">DATA ARCHITECTURE AND TECHNOLOGY MEXICO, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">DATA ARCHITECTURE AND TECHNOLOGY, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">DATA ARQUITECTURE AND TECHNOLOGY OPERADORA, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">DEUTSCHE BANK MEXICO, S.A. FIDEICOMISO F/1859</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">DEUTSCHE BANK MEXICO, S.A. FIDEICOMISO F/1860</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">ECASA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">CHILE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">EMPRENDIMIENTOS DE VALOR, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">URUGUAY                             </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">EUROPEA DE TITULIZACION, S.A. SGFT.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">88.24</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">88.24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">F/11395 FIDEICOMISO IRREVOCABLE DE ADMINISTRACION CON DERECHO DE REVERSION (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">42.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">42.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">F/253863 EL DESEO RESIDENCIAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">65.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">65.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO 28991-8 TRADING EN LOS MCADOS FINANCIEROS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO F/29764-8 SOCIO LIQUIDADOR DE OPERACIONES FINANCIERAS DERIVADAS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">11</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO F/403112-6 DE ADMINISTRACION DOS LAGOS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO HARES BBVA BANCOMER F/ 47997-2</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO INMUEBLES CONJUNTO RESIDENCIAL HORIZONTES DE VILLA CAMPESTRE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO LOTE 6.1 ZARAGOZA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">59.99</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">59.99</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">FIDEICOMISO SCOTIABANK INVERLAT S A F100322908</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.5pt;font-weight:400;line-height:120%">&#8212;</span></td></tr></table></div><div style="margin-bottom:1pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In accordance with Article 3 of Royal Decree 1159/2010, of September 17, in order to determine the state, the voting power relating to subsidiaries was added to the voting power directly held by the parent. Therefore, the number of votes corresponding to the parent company (including indirect control subsidiaries), corresponds to each subsidiary holding a direct ownership interest.</span></div><div style="margin-bottom:1pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Amount without considering the interim dividends of the year, according to the provisional financial statements of each company, generally as of December 31, 2022. In the carrying amount (net of provision and hedge in foreign operations), the Group&#180;s ownership percentage has been applied, without considering the impairment of goodwill. Information on foreign companies at exchange rate as of December 31, 2022. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="margin-bottom:1pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Full consolidation method is used according to accounting rules (see Glossary). </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-182</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 2022 (continued)</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.857%"><tr><td style="width:1.0%"></td><td style="width:27.272%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.721%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.965%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% share of participation </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)   </span></div></td><td colspan="9" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Millions of Euros </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity excluding profit (loss)<br/>31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit (loss) <br/>31.12.2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIERA AYUDAMOS, S.A. DE C.V., SOFOMER</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FOMENTO Y DESARROLLO DE CONJUNTOS RESIDENCIALES, S.L. EN LIQUIDACION</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FORUM COMERCIALIZADORA DEL PERU, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FORUM DISTRIBUIDORA DEL PERU, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FORUM DISTRIBUIDORA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CHILE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FORUM SERVICIOS FINANCIEROS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CHILE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">271</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">219</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FUTURO FAMILIAR, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">G NETHERLANDS BV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">NETHERLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">393</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">325</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BANK, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ROMANIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">254</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">317</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">85.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">85.97</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5,247</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,914</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,941</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA EMEKLILIK AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">84.91</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">84.91</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA FACTORING AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">81.84</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">81.84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">18</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA FILO AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA LEASING AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">189</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">71</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA PORTFOY AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BBVA YATIRIM AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">112</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">61</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI DIVERSIFIED PAYMENT RIGHTS FINANCE COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CAYMAN ISLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OTHER ISSUANCE COMPANIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI FILO SIGORTA ARACILIK HIZMETLERI A.S.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI HOLDING BV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">NETHERLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">565</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">394</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI KONUT FINANSMANI DANISMANLIK HIZMETLERI AS (GARANTI MORTGAGE)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI KULTUR AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI ODEME SISTEMLERI AS (GOSAS)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI ODEME VE ELEKTRONIK PARA HIZMETLERI ANONIM SIRKETI</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI YATIRIM ORTAKLIGI AS (3) (4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TURKEY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3.61</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3.61</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GARANTI BANK BBVA INTERNATIONAL N.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">NETHERLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">724</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">603</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">41</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GESCAT GESTIO DE SOL, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GESCAT LLEVANT, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GESCAT LLOGUERS, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GESCAT VIVENDES EN COMERCIALITZACIO, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GESTION DE PREVISION Y PENSIONES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GESTION Y ADMINISTRACION DE RECIBOS, S.A. - GARSA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GRAN JORGE JUAN, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">424</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">432</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GRUPO FINANCIERO BBVA MEXICO, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.98</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.98</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8,480</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">12,275</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,004</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INMUEBLES Y RECUPERACIONES CONTINENTAL, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVERAHORRO, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">122</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVERSIONES ALDAMA, C.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVERSIONES BANPRO INTERNATIONAL INC NV (3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CURA&#199;AO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">48.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">48.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In accordance with Article 3 of Royal Decree 1159/2010, of September 17, in order to determine the state, the voting power relating to subsidiaries was added to the voting power directly held by the parent. Therefore, the number of votes corresponding to the parent company (including indirect control subsidiaries), corresponds to each subsidiary holding a direct ownership interest.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Amount without considering the interim dividends of the year, according to the provisional financial statements of each company, generally as of December 31, 2022. In the carrying amount (net of provision and hedge in foreign operations), the Group&#180;s ownership percentage has been applied, without considering the impairment of goodwill. Information on foreign companies at exchange rate as of December 31, 2022. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Full consolidation method is used according to accounting rules (see Glossary). </span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4) The percentage of voting rights owned by the Group entities in this company is 99.97%.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-183</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 2022 (continued)</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.857%"><tr><td style="width:1.0%"></td><td style="width:23.086%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.651%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.651%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.223%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% share of participation </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)   </span></div></td><td colspan="9" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Millions of Euros </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity excluding profit (loss)<br/>31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit (loss) <br/>31.12.2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVERSIONES BAPROBA CA</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVERSIONES P.H.R.4, C.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INACTIVE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.46</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MADIVA SOLUCIONES, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MISAPRE, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MOMENTUM SOCIAL INVESTMENT HOLDING, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MOTORACTIVE IFN, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ROMANIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MOTORACTIVE MULTISERVICES SRL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ROMANIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MOVISTAR CONSUMER FINANCE COLOMBIA SAS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MULTIASISTENCIA OPERADORA, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MULTIASISTENCIA SERVICIOS, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MULTIASISTENCIA, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">73</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">52</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPCION VOLCAN, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPENPAY ARGENTINA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPENPAY COLOMBIA SAS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA                            </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPENPAY PER&#218;, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPENPAY, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(9)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPENPAY SERVICIOS, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPERADORA DOS LAGOS, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OPPLUS OPERACIONES Y SERVICIOS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PECRI INVERSION, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">112</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">109</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PORTICO PROCAM, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROMOTORA DEL VALLES, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROMOU CT OPENSEGRE, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PRONORTE UNO PROCAM, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROPEL EXPLORER FUND I LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROPEL EXPLORER FUND II LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS BRAZIL US LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.80</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS GLOBAL US, LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">121</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">230</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(54)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS US FUND I, L.P.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENTURE CAPITAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">207</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">276</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROPEL XYZ I LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PRO-SALUD, C.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INACTIVE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">58.86</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">58.86</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROVINCIAL DE VALORES CASA DE BOLSA CA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SECURITIES DEALER</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">90.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">90.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROVINCIAL SDAD.ADMIN.DE ENTIDADES DE INV.COLECTIVA CA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROVIVIENDA ENTIDAD RECAUDADORA Y ADMIN.DE APORTES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BOLIVIA                             </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PSA FINANCE ARGENTINA COMPA&#209;IA FINANCIERA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">RALFI IFN, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ROMANIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">RPV COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CAYMAN ISLANDS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">OTHER ISSUANCE COMPANIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In accordance with Article 3 of Royal Decree 1159/2010, of September 17, in order to determine the state, the voting power relating to subsidiaries was added to the voting power directly held by the parent. Therefore, the number of votes corresponding to the parent company (including indirect control subsidiaries), corresponds to each subsidiary holding a direct ownership interest.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Amount without considering the interim dividends of the year, according to the provisional financial statements of each company, generally as of December 31, 2022. In the carrying amount (net of provision and hedge in foreign operations), the Group&#180;s ownership percentage has been applied, without considering the impairment of goodwill. Information on foreign companies at exchange rate as of December 31, 2022. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-184</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, 2022 (continued)</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.857%"><tr><td style="width:1.0%"></td><td style="width:22.931%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.667%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.651%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.806%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.223%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% share of participation </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)   </span></div></td><td colspan="9" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Millions of Euros </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity excluding profit (loss)<br/>31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit (loss) <br/>31.12.2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SATICEM GESTIO, S.L.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SATICEM HOLDING, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SATICEM IMMOBLES EN ARRENDAMENT, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SEGUROS PROVINCIAL CA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICIOS CORPORATIVOS DE SEGUROS, S.A. DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICIOS EXTERNOS DE APOYO EMPRESARIAL, S.A DE C.V.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SOCIEDAD DE ESTUDIOS Y ANALISIS FINANCIERO, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">67</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SOCIEDAD PERUANA DE FINANCIAMIENTO SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPORT CLUB 18, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TREE INVERSIONES INMOBILIARIAS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,988</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">754</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TRIFOI REAL ESTATE SRL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ROMANIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNNIM SOCIEDAD PARA LA GESTION DE ACTIVOS INMOBILIARIOS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">531</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">417</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">URBANIZADORA SANT LLORENC, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INACTIVE</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.60</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">60.60</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS MEXICO SACV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS USA LLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED STATES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VOLKSWAGEN FINANCIAL SERVICES COMPA&#209;IA FINANCIERA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In accordance with Article 3 of Royal Decree 1159/2010, of September 17, in order to determine the state, the voting power relating to subsidiaries was added to the voting power directly held by the parent. Therefore, the number of votes corresponding to the parent company (including indirect control subsidiaries), corresponds to each subsidiary holding a direct ownership interest.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Amount without considering the interim dividends of the year, according to the provisional financial statements of each company, generally as of December 31, 2022. In the carrying amount (net of provision and hedge in foreign operations), the Group&#180;s ownership percentage has been applied, without considering the impairment of goodwill. Information on foreign companies at exchange rate as of December 31, 2022 The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This Appendix is part of Note 3 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-185</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1096"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX II. Additional information on investments joint ventures and associates in the BBVA Group as of December 31, 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Most significant companies are included, which together represent 99.5% of the total investment in this group.</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:23.091%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.220%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.613%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.217%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.147%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% Legal share of participation </span></td><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Millions of Euros</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline"> (1)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Affiliate entity data</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Location</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net carrying amount</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets 31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities 31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Equity excluding profit (loss) 31.12.2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profit (loss) 31.12.2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">ASSOCIATES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ADQUIRA ESPA&#209;A, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44.44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44.44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ATOM HOLDCO LIMITED</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">UNITED KINGDOM</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42.77</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42.77</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">132</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7,063</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6,755</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">314</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(7)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">AUREA, S.A. (CUBA)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CUBA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BBVA ALLIANZ SEGUROS Y REASEGUROS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INSURANCES SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">248</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">836</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">298</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">535</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COMPA&#209;IA ESPA&#209;OLA DE FINANCIACION DEL DESARROLLO, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PUBLIC COMPANIES AND INSTITUTIONS</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16.67</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16.67</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">31</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">191</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">168</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COMPA&#209;IA PERUANA DE MEDIOS DE PAGO SAC (VISANET PERU)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ELECTRONIC MONEY ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21.50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">126</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">METROVACESA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9.44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.41</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20.85</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,541</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">695</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,830</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PLAY DIGITAL, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10.80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10.80</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(10)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REDSYS SERVICIOS DE PROCESAMIENTO, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">24.90</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">24.90</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">121</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">75</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ROMBO COMPA&#209;IA FINANCIERA, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ARGENTINA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">40.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">40.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">122</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">112</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SBD CREIXENT, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23.05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SEGURIDAD Y PROTECCION BANCARIAS, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26.14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26.14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICIOS ELECTRONICOS GLOBALES, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO                              </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">46.14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">46.14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">13</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVIRED SOCIEDAD ESPA&#209;OLA DE MEDIOS DE PAGO, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">28.72</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">28.72</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">82</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SISTEMAS DE TARJETAS Y MEDIOS DE PAGO, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PAYMENT ENTITIES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20.61</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20.61</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">377</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">369</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SOLARIS SE </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">GERMANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15.51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15.51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">66</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,317</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,086</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">268</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(36)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TELEFONICA FACTORING ESPA&#209;A, S.A. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">30.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">30.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">73</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">TF PERU SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PERU                                </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">24.30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">24.30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">JOINT VENTURES</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ALTURA MARKETS SOCIEDAD DE VALORES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SECURITIES DEALER</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,391</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,307</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">73</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COMPA&#209;IA MEXICANA DE PROCESAMIENTO, S.A. DE CV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CORPORACION IBV PARTICIPACIONES EMPRESARIALES, S.A.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">62</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">58</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FIDEICOMISO 1729 INVEX ENAJENACION DE CARTERA </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44.09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">44.09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">185</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">185</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FIDEICOMISO F/402770-2 ALAMAR</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">MEXICO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">42.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">INVERSIONES PLATCO CA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">VENEZUELA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PROMOCIONS TERRES CAVADES, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">SPAIN</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39.11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39.11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">RCI COLOMBIA, S.A. COMPA&#209;IA DE FINANCIAMIENTO</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">COLOMBIA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">FINANCIAL SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">49.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">755</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">682</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">16</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In foreign companies the exchange rate of December 31, 2022 is applied. </span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) The percentage of voting rights owned by the Group entities in this company is 22.22%.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Financial Statements as of December 31, 2021.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4) Classified as Non-current asset held for sale.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This Appendix is part of Notes 3 and 16.1 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-186</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1099"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX III. Changes and notifications of participations in the BBVA Group in 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Acquisitions or increases of interest ownership in consolidated subsidiaries</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:37.420%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.394%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Company </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Type of transaction</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">disposal</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective Date for the Transaction (or Notification Date)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS GLOBAL US, LP</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99.50</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31-Mar-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS BRAZIL US LP</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99.80</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31-Mar-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL XYZ I LP</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99.40</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">09-Jun-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">TREE INVERSIONES INMOBILIARIAS, S.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ACQUISITION</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15-Jun-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL EXPLORER FUND I LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15-Jun-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL EXPLORER FUND II LP</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15-Jun-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA DISCOVERY INC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20-Sep-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SOCIEDAD PERUANA DE FINANCIAMIENTO SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13-Oct-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS MEXICO SACV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14-Feb-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS USA LLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30-Jul-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">GARANTI ODEME VE ELEKTRONIK PARA HIZMETLERI ANONIM SIRKETI</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30-Apr-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">GARANTI BBVA AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PURCHASE - VTB</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85.97</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18-May-22</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Variations of less than 0.1% have not been considered due to immateriality.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Disposals or reduction of interest ownership in consolidated subsidiaries</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:58.838%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.918%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.846%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.998%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Company </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Type of transaction</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">disposal</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective date for the transaction (or notification date)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BANCO INDUSTRIAL DE BILBAO, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MERGER</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15-Dec-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA FINANZIA SPA</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">08-Jun-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UNIVERSALIDAD TIPS PESOS E-9</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MERGER</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">01-Jun-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BBVA PLANIFICACION PATRIMONIAL, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">07-Jan-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">INMESP DESARROLLADORA, S.A. DE C.V.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MERGER</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30-Mar-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS GLOBAL, S.L</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MERGER</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27-Dec-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL VENTURE PARTNERS BRAZIL S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MERGER</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27-Dec-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROPEL EXPLORER FUND I, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MERGER</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27-Dec-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PROMOU CT GEBIRA, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15-Jun-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">GARANTI BILISIM TEKNOLOJISI VE TIC TAS</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23-Aug-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">JALE PROCAM, S.L. (EN LIQUIDACI&#211;N)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23-Dec-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SATICEM IMMOBILIARIA, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">06-Sep-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SOCIEDAD GESTORA DEL FONDO PUBLICO DE REGULACION DEL MERCADO HIPOTECARIO, S.A.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">02-May-22</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Variations of less than 0.1% have not been considered due to immateriality.</span></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Changes and notifications of participations in the BBVA Group in 2022 (continued)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Business combinations and other acquisitions or increases of interest ownership in associates and joint-ventures accounted for under the equity method</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.654%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Company </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Type of transaction</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">disposal</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective date for the transaction (or notification date)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">NUEVO MARKETPLACE, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CAPITAL INCREASE</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.16</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30-Sep-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ATOM HOLDCO LIMITED</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FOUNDING</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42.77</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30-Nov-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SOLARIS SE </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CAPITAL INCREASE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15.51</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">04-Nov-22</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Variations of less than 0.1% have not been considered due to immateriality.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) The percentage of voting rights held by group entities in this company is 22.22%. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:0.56pt;text-align:justify"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-187</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Disposal or reduction of interest ownership in associates and joint-ventures companies accounted for under the equity method</span></div><div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.654%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Company </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Type of transaction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">disposal</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Effective date for the transaction (or notification date)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IRB RIESGO OPERACIONAL SL</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CAPITAL DECREASE</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11-Jan-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">DESARROLLOS METROPOLITANOS DEL SUR, S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">DISPOSAL</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16-Jun-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ATOM BANK PLC</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">TRANSFER PARTICIPATIONS</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">01-Nov-22</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PRIVACYCLOUD S.L.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">DISPOSAL</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15-Dec-22</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Variations of less than 0.1% have not been considered due to immateriality.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This Appendix is part of Notes 3 and 16.1 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-188</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1102"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX IV. Fully consolidated subsidiaries with more than 10% owned by non-Group shareholders as of December 31, 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.738%"><tr><td style="width:1.0%"></td><td style="width:45.671%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.364%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.821%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.821%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.823%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">% of voting rights controlled by the Bank</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Activity</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Direct</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BBVA PER&#218; SA</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.12</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO PROVINCIAL SA - BANCO UNIVERSAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53.75</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55.21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INVERSIONES BANPRO INTERNATIONAL INC NV</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INVESTMENT COMPANY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48.01</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PRO-SALUD, C.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">NO ACTIVITY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58.86</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58.86</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INVERSIONES P.H.R.4, C.A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">NO ACTIVITY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60.46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60.46</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA PREVISION AFP SA ADM.DE FONDOS DE PENSIONES</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COMERCIALIZADORA CORPORATIVA SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FINANCIAL SERVICES </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CREA MADRID NUEVO NORTE SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75.54</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">GESTION DE PREVISION Y PENSIONES SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PENSION FUND MANAGEMENT</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">SOCIEDAD PERUANA DE FINANCIAMIENTO SAC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FINANCIAL SERVICES </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">F/253863 EL DESEO RESIDENCIAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">DATA ARCHITECTURE AND TECHNOLOGY S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VOLKSWAGEN FINANCIAL SERVICES COMPA&#209;IA FINANCIERA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FIDEICOMISO LOTE 6.1 ZARAGOZA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59.99</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59.99</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">F/11395 FIDEICOMISO IRREVOCABLE DE ADMINISTRACION CON DERECHO DE REVERSION</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">REAL ESTATE</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42.40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42.40</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">MOVISTAR CONSUMER FINANCE COLOMBIA SAS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FINANCIAL SERVICES </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">GARANTI BBVA EMEKLILIK AS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INSURANCES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">84.91</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">84.91</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FOMENTO Y DESARROLLO DE CONJUNTOS RESIDENCIALES S.L. EN LIQUIDACION</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IN LIQUIDATION</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA INFORMATION TECHNOLOGY ESPA&#209;A SL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">SERVICES</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76.00</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PSA FINANCE ARGENTINA COMPA&#209;IA FINANCIERA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANKING</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This Appendix is part of Note 3 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-189</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1105"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX V. Securitization funds. BBVA Group&#8217;s structured entities as of December 31, 2022.</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:22.936%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:33.876%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.842%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.007%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Millions of Euros</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Securitization fund (consolidated)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Origination</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">date</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total securitized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">exposures at the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">origination date</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total securitized</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">exposures as of December 31, 2022</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TDA 22 Mixto, FTA (Unnim)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">09-Dec-04</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">592</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">AYT HIP MIXTO V</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21-Jul-06</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TDA 27 Mixto, FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22-Dec-06</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">275</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TDA 28 Mixto, FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23-Jul-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">250</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">HIPOCAT 8 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">06-May-05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">HIPOCAT 9 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25-Nov-05</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,016</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">112</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">HIPOCAT 10 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">05-Jul-06</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,526</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">HIPOCAT 11 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">09-Mar-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,628</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">181</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TDA 19 MIXTO, FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27-Feb-04</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">600</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TDA TARRAGONA 1 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30-Nov-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">397</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">GAT VPO (UNNIM)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25-Jun-09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">780</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA CONSUMO 10 FT</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">08-Jul-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">908</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA CONSUMO 11 FT</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12-Mar-21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,285</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA CONSUMO 9 FT</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27-Mar-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,375</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">204</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA CONSUMER AUTO 2018-1</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18-Jun-18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">800</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">206</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA CONSUMER AUTO 2020-1</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15-Jun-20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">780</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 1 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19-Feb-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">616</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 2 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26-Mar-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,152</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 3 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22-Jul-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,037</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 5 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-May-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,727</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 9 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18-Apr-10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,295</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">603</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 14 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-Nov-14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">316</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA CONSUMER AUTO 2022-1</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13-Jun-22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,200</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,036</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28-Nov-22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,400</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,380</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 17 FT</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21-Nov-16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,800</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,044</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17-Mar-22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,400</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,296</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 19 FT</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25-Nov-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,475</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA RMBS 20 FT</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14-Jun-21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,143</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA LEASING 1 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-Jun-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">89</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA LEASING 2 FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27-Jul-20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">711</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BBVA-6 FTPYME FTA</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA SA</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10-Jun-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-190</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1108"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">APPENDIX VI. Details of the outstanding subordinated debt and preferred securities issued by the Bank or entities in the Group consolidated as of December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Outstanding as of December 31, 2022, 2021 and 2020 of subordinated issues</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:32.336%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.998%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Millions of Euros</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issuer entity and issued date </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Prevailing Interest Rate </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">as of December 31, 2022</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maturity</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Date</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issues in Euros</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA S.A.</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.03&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3-Mar-33</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">July-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.20&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4-Jul-23</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">April-16</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.50&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10-Feb-27</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-Feb-32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-Feb-32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">150</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">150</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">150</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.54&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-May-27</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">500</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-18</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.88&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">750</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.58&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22-Feb-29</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">January-20</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">994</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">994</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">994</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16-Jan-30</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">July-20</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total issued in Euros</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EUR</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,460</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,028</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,113</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-191</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Outstanding as of December 31, 2022, 2021 and 2020 of subordinated issues</span></div><div style="margin-bottom:7pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:31.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.845%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Millions of Euros</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issuer entity and issued date</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Prevailing Interest Rate </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">as of December 31, 2022</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maturity </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Date</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issues in foreign currency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA S.A.</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">98</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.70&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31-Mar-32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">938</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">883</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">815</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.13&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-18</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">279</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">263</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">243</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.25&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29-May-33</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">938</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">883</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">815</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.50&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,267</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,135</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,970</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-17</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CHF</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.60&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-May-27</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">CHF</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">July-20</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">GBP</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">338</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">357</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">334</span></td><td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.10&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15-Jul-31</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GBP</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">338</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">357</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">334</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA GLOBAL FINANCE LTD </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">December-95</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">187</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">162</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1-Dec-25</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">187</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">176</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">162</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA BANCOMER S.A. INSTITUCION DE BANCA MULTIPLE GRUPO FINANCIERO BBVA BANCOMER</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">April-10</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.25&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22-Apr-20</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">612</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.50&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10-Mar-21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">July-12</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,329</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,223</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.75&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30-Sep-22</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-14</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">187</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">177</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">163</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12-Nov-29</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">January-18</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">935</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">886</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">815</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.13&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18-Jan-33</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">702</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">665</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">612</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.88&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13-Sep-34</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,824</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,057</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,425</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA URUGUAY S.A.</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.54&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6-Feb-64</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA PARAGUAY S.A. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-14</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.75&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5-Nov-21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-15</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.70&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18-Nov-22</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA USA</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> (2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-06</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.90&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1-Apr-26</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">April-15</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">570</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.88&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10-Apr-25</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">628</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The issuances of BBVA Global Finance, Ltd, are guaranteed (secondary liability) by the Bank.</span></div><div style="margin-bottom:7pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Companies sold in 2022 (see Note 3).</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-192</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Outstanding as of December 31, 2022, 2021 and 2020 of subordinated issues</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"></td><td style="width:38.434%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.496%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.911%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Millions of Euros</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issuer entity and issued date</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Prevailing Interest Rate </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">as of December 31, 2022</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maturity</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Date</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA COLOMBIA S.A.</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.45&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19-Sep-21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-11</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17.82&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19-Sep-26</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-13</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16.58&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19-Feb-23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-13</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16.91&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19-Feb-28</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-14</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17.46&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26-Nov-29</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-14</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17.59&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26-Nov-34</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">COP</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">139</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">168</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">200</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">April-15</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">375</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">349</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">324</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.93&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21-Apr-25</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">375</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">349</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">324</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">BBVA BANCO CONTINENTAL S.A.</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">June-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PEN</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.47&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18-Jun-32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">November-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PEN</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.56&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19-Nov-32</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">July-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PEN</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.06&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8-Jul-23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PEN</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.09&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9-Sep-23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">December-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PEN</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.19&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15-Dec-33</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">PEN</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">93</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">74</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-07</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.00&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14-May-27</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-08</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.47&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28-Feb-28</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">October-13</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2-Oct-28</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-14</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">270</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">272</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">257</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.25&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22-Sep-29</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">332</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">349</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">327</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GARANTI BBVA AS</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-17</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">698</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">645</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">607</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24-May-27</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">698</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">645</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">607</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">October-19</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TRY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.66&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7-Oct-29</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-20</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TRY</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12.33&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14-Feb-30</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Subtotal</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">TRY</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">110</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total Issues in other currencies</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,326</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,398</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,217</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Outstanding as of December 31, 2022, 2021 and 2020 of subordinated issues (Millions of Euros)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:40.194%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.609%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="display:none"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issuer entity and issued date</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount Issued</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount Issued </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Currency</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount Issued </span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA COLOMBIA S.A.</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">December-93</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">COP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA International Preferred, S.A.U.</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">July-07</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">GBP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">GBP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">GBP</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PHOENIX LOAN HOLDINGS INC</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">November-00</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">CAIXA TERRASSA SOCIETAT DE PARTICIPACIONS PREFERENTS SAU</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">August-05</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">CAIXASABADELL PREFERENTS S.A.</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">July-06</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-193</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1111"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">APPENDIX VII Consolidated balance sheets held in foreign currency as of December 31, 2022, 2021 and 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:40.348%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.612%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">U.S. Dollar</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Mexican</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">pesos</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Turkish</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">&#160;lira</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other foreign</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">currencies</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total foreign</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">currencies</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,888</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,831</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">476</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,469</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,665</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,780</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,407</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">431</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,930</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,549</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non- trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">987</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,205</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,280</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,809</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,188</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,666</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,964</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52,248</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78,017</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,938</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,479</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">202,682</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Joint-ventures and associates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">333</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">354</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,143</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,166</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,137</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,459</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(365)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,403</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,796</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,055</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,889</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">91,858</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">126,832</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,001</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63,151</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">318,842</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,722</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,110</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">234</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,499</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,564</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,697</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75,020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,567</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,994</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">226,278</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,748</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,210</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,220</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,160</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,338</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">90,167</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">110,340</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26,021</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52,652</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">279,180</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,164</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,816</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">893</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,245</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,118</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,699</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,973</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,104</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,840</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,615</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non- trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,039</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,114</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,239</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,455</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,323</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,325</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,697</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,800</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46,223</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57,580</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,655</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,657</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">164,115</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Joint-ventures and associates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">263</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">283</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">558</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">935</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,408</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(204)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,607</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,046</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,248</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,697</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">83,393</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">101,331</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,583</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">62,969</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">275,276</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,448</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,784</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">450</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,312</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25,994</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67,306</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60,570</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,946</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">186,681</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,234</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">779</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,029</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,302</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">81,015</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87,588</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,175</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47,200</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">231,977</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,615</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,847</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">772</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,130</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,365</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,114</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,154</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">359</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,112</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,740</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non- trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">883</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,369</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">291</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,549</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through comprehensive income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,073</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,489</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,087</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25,373</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,841</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53,184</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,810</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,036</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157,871</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Joint-ventures and associates</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">246</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">265</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,819</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">858</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">852</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,544</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,406</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,053</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,191</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,009</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,658</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">152,953</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">95,163</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32,486</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">59,764</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">340,366</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,562</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,489</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">471</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">772</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,295</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67,165</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54,429</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,930</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,468</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">183,993</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78,724</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,662</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">687</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,393</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93,466</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">150,452</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">79,580</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,088</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51,633</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">301,753</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This Appendix is  part of Notes 2.2.15 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:62.36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-194</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1114"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX VIII. Quantitative information on refinancing and restructuring operations and other requirement under Bank of Spain Circular 6/2012</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1117"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">a.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:27.67pt">Quantitative information on refinancing and restructuring operations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of refinancing and restructuring operations as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.175%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.069%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.069%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.001%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="21" style="background-color:#ffffff;border-bottom:1pt solid #000;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2022 BALANCE OF FORBEARANCE (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="21" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">TOTAL</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unsecured loans</span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" rowspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum amount of secured loans that can be considered</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Real estate mortgage secured</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Rest of secured loans</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">General Governments</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(9)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial business)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">303</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(7)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (corporate non-financial activities)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">75,713</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5,882</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8,687</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,792</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,238</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">223</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3,303)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: financing the construction and property (including land)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">460</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">479</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">819</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">383</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">164</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(497)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other households </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">231,910</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,412</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">79,666</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,969</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,702</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,601)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">307,983</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">7,343</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">88,399</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">7,778</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,946</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">246</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(4,920)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="21" style="border-left:0.25pt solid #ffffff;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of  which:  IMPAIRED</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unsecured loans</span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" rowspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum amount of secured loans that can be considered</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Real estate mortgage secured</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Rest of secured loans</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">General Governments</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(8)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial business)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">232</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(7)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (corporate non-financial activities)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">59,944</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,104</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6,005</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,604</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">500</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">66</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2,815)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: financing the construction and property (including land)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">414</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">475</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">620</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">269</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">82</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(480)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other households </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">124,228</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">871</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">37,043</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,514</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,607</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,412)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">184,430</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,004</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">43,088</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,130</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2,113</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">70</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(4,242)</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Number of operations does not include Garanti BBVA. Includes mortgage-backed real estate operations with loan to value ratio of greater than 1, and secured operations, other than transactions secured by real estate mortgage regardless of their loan to value ratio.</span></div><div style="padding-left:14.17pt;text-indent:-78.52pt"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-195</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.021%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.616%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="21" style="border-bottom:1pt solid #000;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2021 BALANCE OF FORBEARANCE (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="21" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">TOTAL</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unsecured loans</span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" rowspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum amount of secured loans that can be considered</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Real estate mortgage secured</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Rest of secured loans</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">General Governments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">63</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(11)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial business)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">377</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(6)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (corporate non-financial activities)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">99,852</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6,590</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11,417</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,552</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,108</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3,196)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: financing the construction and property (including land)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">739</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">155</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">1,785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">486</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(513)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other households </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">275,927</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,813</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">96,312</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5,877</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,473</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,622)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">376,215</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">8,496</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">107,786</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">9,453</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">6,599</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">70</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(4,834)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="21" style="border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of  which:  IMPAIRED</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unsecured loans</span></td><td colspan="12" style="border-bottom:1pt solid #000;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" rowspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum amount of secured loans that can be considered</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Real estate mortgage secured</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Rest of secured loans</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">General Governments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(10)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial business)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">255</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (corporate non-financial activities)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">74,054</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,701</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7,423</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,799</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">855</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2,639)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: financing the construction and property (including land)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">592</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">148</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">1,229</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">320</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">179</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(464)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other households </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">143,791</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">948</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39,962</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,701</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,799</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,377)</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">218,129</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,689</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">47,425</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,512</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2,661</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">13</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(4,031)</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Number of operations does not include Garanti BBVA. Includes mortgage-backed real estate operations with loan to value ratio of greater than 1, and secured operations, other than transactions secured by real estate mortgage regardless of their loan to value ratio.</span></div><div style="padding-left:14.17pt;text-indent:-78.52pt"><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-196</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.299%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.537%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="21" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2020 BALANCE OF FORBEARANCE (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="21" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">TOTAL</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unsecured loans</span></td><td colspan="12" style="border-bottom:1pt solid #072146;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:25pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum amount of secured loans that can be considered</span></td></tr><tr style="height:25pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Real estate mortgage secured</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Rest of secured loans</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">General Governments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">77&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">69&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">62&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">45&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(15)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial business)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">519&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (corporate non-financial activities)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">111,648&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5,592&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11,343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,182&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,911&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">33&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3,128)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: financing the construction and property (including land)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">624</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">500</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">1,081</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">622</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(420)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other households </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">261,097&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,782&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">86,643&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5,992&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,379&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">27&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,712)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">373,331</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">7,460</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">98,077</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">9,239</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">6,337</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">60</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(4,859)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="21" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of  which:  IMPAIRED</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unsecured loans</span></td><td colspan="12" style="border-bottom:1pt solid #072146;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" rowspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:22pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum amount of secured loans that can be considered</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Real estate mortgage secured</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Rest of secured loans</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">General Governments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">20&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(12)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial business)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">283&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (corporate non-financial activities)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">67,588&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,470&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6,880&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,939&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">916&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">21&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2,727)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: financing the construction and property (including land)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">469</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">216</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">674</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">408</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(311)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other households </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">113,013&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">765&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">37,063&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,805&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,820&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,358)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">180,923</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,274</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">43,983</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4,765</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2,750</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">30</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(4,100)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Number of operations does not include Garanti BBVA. Includes mortgage-backed real estate operations with loan to value ratio of greater than 1, and secured operations, other than transactions secured by real estate mortgage regardless of their loan to value ratio.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the restructuring and refinancing transactions mentioned in this section, loans that were not considered impaired or renegotiated have been modified based on the criteria set out in the accounting regulation that applies. These loans have not been classified as renegotiated or impaired, since they were modified for commercial or competitive reasons (for instance, to improve relationships with clients) rather than for economic or legal reasons relating to the borrower's financial situation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below provides a breakdown by segments of the forbearance operations (net of provisions) as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:68.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.103%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Forbearance operations. Breakdown by segments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central governments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">124</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations and individual entrepreneurs (financial activity)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations and individual entrepreneurs (non-financial activity)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,371</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,946</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,645</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Financing the construction and property development (including land)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">365</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">128</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">701</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,780</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,068</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,062</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total carrying amount</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,200</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,114</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,840</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing classified as non-current assets and disposal groups held for sale</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">858</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">NPL ratio by type of renegotiated loan</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The non-performing ratio of the renegotiated portfolio is defined as the impaired balance of renegotiated loans that shows signs of difficulties as of the closing of the reporting period, divided by the total payment outstanding in that portfolio</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-197</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022 and December 31, 2021, the non-performing ratio for each of the portfolios of renegotiated loans is as follows:</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:77.636%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.531%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.533%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">NPL ratio renegotiated loan portfolio</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Ratio of impaired loans - past due<br/></span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45&#160;</span></td><td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Construction and developer</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">86&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">73&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other consumer</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1120"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">b.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:27.13pt">Qualitative information on the concentration of risk by activity and guarantees</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">Loans and advances to customers by activity (carrying amount) </span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:27.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.912%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,661</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">297</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,382</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,121</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,555</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">338</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,919</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">746</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,484</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">336</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,430</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,644</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,560</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,854</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,454</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,829</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,902</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,972</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,495</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,958</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,956</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,166</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,701</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">201</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,468</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,083</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">660</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">445</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,582</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">610</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">317</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">276</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">185</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">318</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162,106</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,143</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,311</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,159</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,704</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,732</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,666</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,194</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105,852</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,509</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,771</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,308</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,839</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,218</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,358</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,557</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,254</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,634</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,540</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,851</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,866</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,514</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,307</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,637</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">150,095</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">93,556</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,990</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,473</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,693</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,940</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,114</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,327</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,237</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92,264</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,886</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,325</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,696</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,564</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,915</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,295</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">461</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,660</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">266</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">111</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,403</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,564</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">831</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">208</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">321</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">202</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">367,095</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">119,644</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,632</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,792</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,348</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,911</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,636</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25,589</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">10,200</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">5,685</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">174</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,351</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,130</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,167</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">884</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,327</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:6pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:6pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Non-profit institutions serving households.</span></div><div style="margin-bottom:6pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4) Net of provisions. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-198</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:27.867%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.836%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,928</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">324</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,907</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">472</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">834</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">783</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,711</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">219</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,495</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">575</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,933</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,151</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">901</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146,988</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,945</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,842</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,074</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,361</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,679</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,407</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,266</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,091</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,594</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,203</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,055</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">675</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">278</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">462</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,614</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">625</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">252</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">194</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">291</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">135,284</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,726</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,504</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,620</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,112</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,908</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,077</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,513</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">84,147</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,208</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,197</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,327</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,420</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,680</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">632</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,346</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,137</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,518</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,307</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,292</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,692</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,228</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,445</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,167</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">141,007</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">93,384</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,757</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,716</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,528</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,555</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,339</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,003</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,199</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92,030</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,120</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,175</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,258</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,982</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,628</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,798</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">416</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,421</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,176</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,010</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">938</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">203</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">178</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">250</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">328,635</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116,872</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,001</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,415</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,298</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,295</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,679</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,185</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13,114</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7,513</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">98</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,611</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,460</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,600</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,176</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,765</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Non-profit institutions serving households.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(4) Net of provisions.</span></div><div style="margin-bottom:2pt;margin-top:10pt;padding-left:0.56pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:27.867%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.374%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.528%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,718</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">372</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,451</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">390</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">546</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">135</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">714</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,464</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,398</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,585</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,610</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,948</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">289</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143,693</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,686</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,082</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,294</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,162</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,467</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,200</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,646</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,379</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,244</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,048</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,015</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">678</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">263</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">321</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,810</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">641</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">194</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">306</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132,504</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,801</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,721</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,972</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,953</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,691</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,888</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,019</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79,595</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,648</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,920</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,561</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,811</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,242</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,012</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,943</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,909</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,154</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,801</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,411</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,142</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,449</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,877</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,076</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137,870</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92,555</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,836</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,606</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,126</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,130</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,463</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,066</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,098</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,756</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">131</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,743</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,719</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,817</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,960</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,648</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,442</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">418</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,521</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">246</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,245</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,331</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,381</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">617</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">216</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">257</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">301</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">318,745</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116,813</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,768</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,456</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,419</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,343</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,324</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,039</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,840</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7,271</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">74</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,350</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,408</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,587</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,165</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,834</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3)  Non-profit institutions serving households.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(4) Net of provisions. </span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-199</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The information on the main geographic area is as follows:</span></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.638%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros) BBVA, S.A.</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,485</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">255</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,523</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">298</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,052</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">107</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,608</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,366</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96,907</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,715</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,703</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,521</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,270</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,481</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">865</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,282</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,497</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,388</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">388</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,769</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">514</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">257</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,641</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,814</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,443</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,457</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,717</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,269</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">806</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,008</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,831</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,701</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">941</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,268</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">808</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">397</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">641</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">527</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,810</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,113</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">503</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,188</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,909</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">872</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">481</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,790</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,156</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">321</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,961</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,691</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,516</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,652</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,657</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,283</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,303</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,702</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,446</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,339</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,496</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,424</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,637</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">134</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,870</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">773</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">203</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">134</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">203</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">219,704</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">81,424</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,076</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,717</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,186</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,167</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,125</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,305</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,532</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,200</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">78</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">920</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">839</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">756</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">631</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,131</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Non-profit institutions serving households.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(4) Net of provisions.</span></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.638%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros) BBVA Mexico</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,141</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,382</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,029</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,437</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">294</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,918</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">742</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,305</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,705</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,785</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,596</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,084</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,986</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,478</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">869</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">964</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,290</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,115</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">152</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">398</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">373</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,312</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,657</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,530</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,924</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,585</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,100</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">715</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">862</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,218</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,488</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">561</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,598</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">647</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">306</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">250</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">248</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,094</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,169</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">968</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,326</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">938</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">794</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">465</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">614</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,349</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,653</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,502</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,133</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,092</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,695</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">231</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,653</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,653</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,502</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,133</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,092</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,695</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">231</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,693</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">70,500</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,496</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,013</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,622</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,572</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,875</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,494</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,946</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,102</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">773</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">72</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">171</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">117</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">282</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">185</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">89</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Non-profit institutions serving households.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(4) Net of provisions.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-200</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.638%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros) Garanti BBVA</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">561</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">428</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,758</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,235</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,313</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,151</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">986</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">346</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,888</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,331</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">375</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">138</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">160</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">173</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">376</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,051</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,832</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,167</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">978</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">881</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">306</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,700</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,122</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">878</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">323</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">365</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">467</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,930</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,954</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">844</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">744</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">516</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">260</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,233</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,217</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">911</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">537</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,153</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">895</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">530</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,760</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">304</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,964</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,159</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,338</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">541</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,692</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,001</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">358</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,905</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,646</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">180</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">53</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Non-profit institutions serving households.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(4) Net of provisions.</span></div><div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:28.638%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros) Other Entities</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="15" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans to customers. Loan to value </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mortgage loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Secured loans</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,473</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,229</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">326</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,485</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,718</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,217</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,118</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">566</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">551</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">878</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,822</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,048</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">823</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">335</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,101</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,841</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,171</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">643</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">424</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">483</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">838</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,624</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,682</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,442</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,946</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">150</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">150</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,316</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and individual entrepreneurs </span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,420</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,399</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">225</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">291</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">275</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">417</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,308</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of households and NPISHs </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,739</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,836</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,661</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,655</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,332</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,316</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,757</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,438</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,148</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,414</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,331</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,216</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,256</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,368</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,260</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumption </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,205</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,518</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">205</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,378</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,386</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45,926</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,565</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,204</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,912</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,899</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,868</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,658</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,432</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">MEMORANDUM ITEM:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Forbearance operations </span><span style="color:#929292;font-family:'Arial',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">920</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">532</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">229</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">154</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">53</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">54</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Small and medium enterprises.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3)  Non-profit institutions serving households.</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(4) Net of provisions.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-201</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1123"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">c.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:27.67pt">Information on the concentration of risk by activity and geographical areas</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:40.194%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">European </span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Union</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">America</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166,602</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,290</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,043</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,941</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,328</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128,028</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,873</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,677</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,726</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,752</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Administration</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">107,292</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,349</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,153</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,666</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,124</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,736</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,524</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">524</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,060</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">628</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,629</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,884</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,254</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,110</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,380</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235,376</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81,464</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,039</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,112</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48,761</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,590</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,636</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">659</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,149</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,146</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,361</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,942</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,078</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,037</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,304</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">217,425</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,886</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,302</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,925</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,311</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154,894</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,864</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,686</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,071</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,274</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs and individual entrepreneurs </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62,531</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,023</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">616</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,855</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,038</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other households and NPISHs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151,091</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88,608</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,591</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,290</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,602</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,238</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,901</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,483</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,455</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,398</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumer</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,296</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,595</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,697</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,768</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,557</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,111</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">871</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,139</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">436</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">730,724</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">291,119</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">93,603</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">235,179</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110,823</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The definition of risk for the purpose of this statement includes the following items on the public balance sheet: &#8220;Loans and advances to credit institutions&#8221;, &#8220;Loans and advances&#8221;, &#8220;Debt securities&#8221;, &#8220;Equity instruments&#8221;, &#8220;Other equity securities&#8221;, &#8220;Derivatives and hedging derivatives&#8221;, &#8220;Investments in subsidiaries, joint ventures and associates&#8221; and &#8220;Guarantees given&#8221;. The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:40.194%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">European </span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Union</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">America</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153,178</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46,282</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,157</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,840</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,898</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,518</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,621</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,822</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,510</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,564</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Administration</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,719</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,601</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,451</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,397</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,269</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,799</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,020</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">371</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,113</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">295</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,470</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,988</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,039</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,474</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,969</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211,437</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">77,227</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,485</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,123</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,602</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,594</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,029</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">662</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,050</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,853</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,345</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,641</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,210</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,030</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,465</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">192,498</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,557</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,614</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,044</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,284</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136,229</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,462</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,133</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,931</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,703</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs and individual entrepreneurs </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,269</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,095</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">481</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,113</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,581</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other households and NPISHs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">141,747</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,769</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,715</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,819</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,444</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,200</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,145</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,645</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,455</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,955</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumer</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,799</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,431</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">745</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,399</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,224</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,749</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,193</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">325</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">966</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">265</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">673,350</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">276,887</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,218</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,768</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,477</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The definition of risk for the purpose of this statement includes the following items on the public balance sheet: &#8220;Loans and advances to credit institutions&#8221;, &#8220;Loans and advances&#8221;, &#8220;Debt securities&#8221;, &#8220;Equity instruments&#8221;, &#8220;Other equity securities&#8221;, &#8220;Derivatives and hedging derivatives&#8221;, &#8220;Investments in subsidiaries, joint ventures and associates&#8221; and &#8220;Guarantees given&#8221;. The amounts included in this table are net of loss allowances.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-202</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.488%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2020 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">European </span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Union</span></div></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">America</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,294</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,287</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,055</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,897</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,055</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125,311</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,944</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,660</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,756</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,951</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Administration</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">103,104</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46,614</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,324</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,477</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,689</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,207</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,330</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">336</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,279</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">262</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial institutions</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48,236</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,727</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,575</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,640</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,294</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial institutions and individual entrepreneurs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">202,708</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,560</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,783</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,245</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,120</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction and property development </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,182</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,384</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">202</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,899</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,697</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction of civil works</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,385</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,275</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,349</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,183</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,578</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184,141</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65,901</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,232</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57,163</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,845</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Large companies </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125,847</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,272</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,610</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,904</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,061</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SMEs and individual entrepreneurs </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,294</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,629</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">622</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,259</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,784</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other households and NPISHs</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">138,544</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88,633</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,882</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,690</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,339</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Housing </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,098</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,383</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,747</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,262</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,706</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumer</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,442</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,117</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">719</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,264</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,342</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other purposes </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,004</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,133</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">416</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,164</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">291</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">655,093</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">284,151</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,955</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">190,228</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100,759</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1)  The definition of risk for the purpose of this statement includes the following items on the public balance sheet: &#8220;Loans and advances to credit institutions&#8221;, &#8220;Loans and advances&#8221;, &#8220;Debt securities&#8221;, &#8220;Equity instruments&#8221;, &#8220;Other equity securities&#8221;, &#8220;Derivatives and hedging derivatives&#8221;, &#8220;Investments in subsidiaries, joint ventures and associates&#8221; and &#8220;Guarantees given&#8221;. The amounts included in this table are net of loss allowances.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This Appendix is part of Note 7.2.7 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div><span><br/></span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-203</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1126"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">APPENDIX IX. Additional information on risk concentration</span></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1129"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.25pt;text-align:justify;text-indent:-21.26pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">a.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:12.93pt">Sovereign risk exposure</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below provides a breakdown of exposure to financial assets (excluding derivatives and equity instruments), as of December 31, 2022, 2021 and 2020: by type of counterparty and the country of residence of such counterparty. The below figures do not take into account accumulated other comprehensive income, loss allowances or loan-loss provisions:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:54.215%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.156%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Risk exposure by countries (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Sovereign risk </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,437</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,927</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,916</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Italy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,287</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,720</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,270</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,934</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,868</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,578</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Portugal</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">670</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">697</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,067</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Germany</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">254</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">342</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">France</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">148</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">108</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Netherlands</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Romania</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">539</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">461</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">459</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,188</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">522</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal Europe</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78,470</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,534</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">80,984</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,274</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,872</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,237</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,989</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,841</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,217</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Colombia</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,688</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,676</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,466</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,108</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">805</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,539</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Argentina</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,246</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">850</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">706</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Venezuela</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of countries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,726</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,871</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,559</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal rest of countries</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,031</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,915</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,746</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total exposure to financial instruments</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">129,501</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">121,449</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">135,729</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The exposure to sovereign risk set out in the above table includes positions held in government debt securities in countries where the Group operates. They are used for ALCO&#8217;s management of the interest-rate risk on the balance sheets of the Group&#8217;s entities in these countries, as well as for hedging of pension and insurance commitments by insurance entities within the BBVA Group.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-204</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1132"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below provides a breakdown of the exposure of the Group&#8217;s credit institutions to sovereign risk as of December 31, 2022 by type of financial instrument and the country of residence of the counterparty, under EBA requirements:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.500%"><tr><td style="width:1.0%"></td><td style="width:31.035%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.863%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.778%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.060%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.422%"></td><td style="width:0.1%"></td></tr><tr><td colspan="33" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Sovereign Risk by European Union Countries. December 2022 (Millions of Euros)</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" rowspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances</span></td><td colspan="18" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" rowspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" rowspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Direct exposure</span></td><td colspan="9" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Indirect exposure</span></td></tr><tr style="height:29pt"><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notional value</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value +</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value -</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Notional value</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value +</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value -</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,097</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,500</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">217</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(685)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,331</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,996)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,485</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Italy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,819</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,818)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,218</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,496)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,728</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Portugal</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(102)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Germany</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">France </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(976)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">364</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">243</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(303)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Netherlands</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Romania</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">539</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">539</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rest of European Union</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">386</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">292</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">278</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,118</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total Exposure to Sovereign Counterparties (European Union)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">36,960</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,769</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">305</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(126)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,835)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,095</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7,502)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,712</span></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,843</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,301</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,689</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(132)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,726</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,872</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,870</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,286</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">585</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,871</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rest of other countries</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,364</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,266</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">405</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,049</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other countries</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42,365</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,153</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,688</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(133)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">405</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">57,516</span></td><td colspan="2" style="background-color:#5AC4C4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">56</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">79,325</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,922</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,992</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(258)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,430)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,115</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7,509)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103,228</span></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">100</span><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span></td><td style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This table shows sovereign risk balances with EBA criteria. Therefore, sovereign risk of European Union countries of the Group&#8217;s insurance companies (&#8364;9,117 million as of December 31, 2022) is not included. Includes credit derivatives CDS (Credit Default Swaps) shown at fair value.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This Appendix forms part of Note 7.2.8 of the Consolidated Financial Statements for the year 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-205</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1135"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.25pt;text-align:justify;text-indent:-21.26pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">b.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:12.39pt">Concentration of risk on activities in the real-estate market in Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Quantitative information on activities in the real-estate market in Spain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Lending for real estate development of the loans as of December 31, 2022, 2021 and 2020 is shown below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.661%"><tr><td style="width:1.0%"></td><td style="width:45.545%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.831%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financing Allocated by credit institutions to Construction and Real Estate Development and lending for house purchase (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Drawn over the guarantee value</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated impairment</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financing to construction and real estate development (including land) (Business in Spain)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1,861</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2,123</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2,565</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">350</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">455</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">650</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(157)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(197)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(281)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired assets</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">239</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">336</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">473</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">82</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">132</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">213</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(122)</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(142)</span></td><td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">(230)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Memorandum item:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Write-offs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,086</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,155</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,288</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Memorandum item:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total loans and advances to customers, excluding the General Governments (Business in Spain) (book Value)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">172,880</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">168,734</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">162,600</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total consolidated assets (total business) (book value)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="i9bff5cff288a4a6087dcf6afc4371dc3_I20221231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOmMyNWE5YjRjYmM3ZjQ5ZDY4MjZlMzNiZjcyMzhjNmYxL3NlYzpjMjVhOWI0Y2JjN2Y0OWQ2ODI2ZTMzYmY3MjM4YzZmMV8xMTM1L2ZyYWc6NWI2MDZkZjA1MzJkNDQzZjhjZWIyNjZkMzgwZTc3MzIvdGFibGU6YjlmMzhkNzUwMzM2NDE0YzhjMzkxY2UwZDE5OWM2MzcvdGFibGVyYW5nZTpiOWYzOGQ3NTAzMzY0MTRjOGMzOTFjZTBkMTk5YzYzN185LTEtMS0xLTcxNDc3NA_27d2d7f2-e29f-4183-b251-072ea22630b0">713,140</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">662,885</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">733,797</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment and provisions for normal exposures</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4,622)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4,610)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4,909)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following is a description of the real estate credit risk based on the types of associated guarantees:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:53.445%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:13.537%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.310%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financing allocated by credit institutions to construction and real estate development and lending for house purchase (Millions of Euros)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Without secured loan</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">232</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">248</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">372</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">With secured loan </span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,629</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,875</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,193</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Terminated buildings</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">898</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,172</span></td><td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,307</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Homes</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">710</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">936</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">991</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">188</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">316</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Buildings under construction</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">556</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">614</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Homes</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">536</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">509</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">430</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Land</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">272</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Urbanized land</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of land</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,861</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,123</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,565</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, 48.3%, 55.2% and 51.0%, of loans to developers were guaranteed with buildings (79.1%, 79.9% and 75.8% are homes), and only 9.4%, 8.8%, and 10.6% by land, of which 68.0%, 66.6%, and 52.6% are in urban locations, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The table below provides the breakdown of the financial guarantees given as of December 31, 2022, 2021 and 2020:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:68.297%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.103%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial guarantees given (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Houses purchase loans</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Without mortgage</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The information on the retail mortgage portfolio risk (housing mortgage) as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.702%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.702%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.702%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.702%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.702%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.705%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financing allocated by credit institutions to construction and Real Estate development and lending for house purchase. (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="display:none"></td><td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: impaired loans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Houses purchase loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,799</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,094</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,689</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,486</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,748</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,841</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Without mortgage</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,539</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,631</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,693</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">20</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">With mortgage</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">70,260</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">72,463</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">72,996</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,477</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,735</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,821</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-206</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The loan to value (LTV) ratio of the above portfolio is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:26.789%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.072%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LTV breakdown of mortgage to households for the purchase of a home (business in Spain) (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="18" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risk over the amount of the last valuation available (Loan to value-LTV)</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 40% but less than or equal to 60%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 60% but less than or equal to 80%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 80% but less than or equal to 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Over 100%</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount December 31, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,981</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,060</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,255</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,794</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,171</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,260</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">248</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">341</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">438</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">450</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">999</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,477</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount December 31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,189</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,107</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,782</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,935</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,449</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,463</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">216</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">327</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">462</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">483</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,246</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,735</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,891</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,716</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,624</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,996</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">170</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">294</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">426</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">470</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,461</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,821</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Outstanding home mortgage loans as of December 31, 2022, 2021 and 2020 had an average LTV of 43%, 46% and 46% respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of foreclosed, acquired, purchased or exchanged assets from debt from loans relating to business in Spain, as well as the holdings and financing to non-consolidated entities holding such assets is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"></td><td style="width:17.292%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.708%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Information about Assets Received in Payment of Debts (Business in Spain) (Millions of euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross Value</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Provisions</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Of which: Valuation adjustments on impaired assets, from the time of foreclosure</span></td><td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Real estate assets from loans to the construction and real estate development sectors in Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">539</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">654</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">913</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(389)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(407)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(486)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(229)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(214)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(234)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">247</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">427</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Terminated buildings</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">196</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">363</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(72)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(144)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(38)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(44)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(60)</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">102</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">219</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Homes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">87</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">212</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(25)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(39)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(75)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(33)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">48</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">137</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">76</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">109</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(47)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(55)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(69)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(27)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(27)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(27)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">54</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">82</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Buildings under construction</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(21)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Homes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">20</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(16)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(7)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(10)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Land</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">393</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">435</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(302)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(296)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(321)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(183)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(164)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(164)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">139</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">199</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Urbanized land</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">366</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">406</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">485</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(285)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(281)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(303)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(170)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(153)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(150)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">81</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">182</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Rest of land</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">27</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(18)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(12)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(14)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">17</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Real estate assets from mortgage financing for households for the purchase of a home</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">736</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">970</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,128</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(410)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(520)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(593)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(134)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(154)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(163)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">327</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">450</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">535</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Rest of foreclosed real estate assets </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">494</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">481</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(270)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(264)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(259)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(62)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(48)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">179</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">230</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">222</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments, investments and financing to non-consolidated companies holding said assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">656</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">708</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,310</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(397)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(449)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(450)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(358)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(410)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(412)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">259</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">259</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">860</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,381</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,826</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,832</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,466)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,640)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,788)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(801)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(840)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(857)</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">915</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,186</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,044</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the gross book value of the Group&#8217;s real-estate assets from corporate financing of real-estate construction and development was &#8364;539, &#8364;654 and &#8364;913 million, respectively, with an average coverage ratio of 72.2%, 62.2% and 53.2%, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The gross book value of real-estate assets from mortgage lending to households for home purchase as of December 31, 2022, 2021 and 2020, amounted to &#8364;736, &#8364;970 and &#8364;1,128 million, respectively, with an average coverage ratio of 55.6%, 53.6% and 52.6%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the gross book value of the BBVA Group&#8217;s total real-estate assets (business in Spain), including other real-estate assets received as debt payment, was &#8364;1,725, &#8364;2118 and &#8364;2522 million, respectively. The coverage ratio was 62.0%, 56.2% and 53.1%, respectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This Appendix is part of Note 7 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-207</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1138"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:21.25pt;text-align:justify;text-indent:-21.26pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%">c.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:12.93pt">Concentration of risk by geography</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below is a breakdown of the balances of financial instruments registered in the consolidated balance sheets by their concentration in geographical areas and according to the residence of the customer or counterparty. As of December 31, 2022, 2021 and 2020 it does not take into account loss allowances or loan-loss provisions:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.908%"><tr><td style="width:1.0%"></td><td style="width:24.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.386%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.329%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.210%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Risks by geographical areas. December 2022 (Millions of Euros)</span></td><td colspan="9" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of Europe</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,222</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,494</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,824</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,679</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">128</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,493</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,068</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39,908</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Equity instruments </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:133%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,342</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,068</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,012</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,026</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">145</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">225</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">294</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,113</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,049</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,200</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,322</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,863</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,366</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,372</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,814</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126,985</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,839</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,944</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,114</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,755</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,973</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,989</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,345</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,448</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,044</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106,668</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,153</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,433</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,341</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">266</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,778</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">433</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,696</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">297</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,042</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">561</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,245</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">349</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,299</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">711</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,712</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">257</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,350</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">176,212</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">65,763</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,840</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,508</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,080</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,451</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,157</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">432,011</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">713</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,898</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,051</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,500</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,301</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">585</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,771</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">495</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,922</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,184</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,591</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,546</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">336</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,457</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,974</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,235</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,323</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,688</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,662</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,315</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,814</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,206</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,415</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,307</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,407</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,459</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,290</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,365</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,325</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,678</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,565</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,008</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171,690</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,669</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,890</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,312</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,255</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,356</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">164,618</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risk in financial assets</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">225,825</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">109,525</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">117,998</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,077</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,718</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,541</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,333</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">611,018</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,649</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,532</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,479</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,849</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,628</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,996</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,788</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136,920</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,020</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,372</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,397</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,169</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,011</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">536</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,511</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,626</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,008</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,723</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,536</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,278</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,207</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,758</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,137</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,294</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,912</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,209</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,783</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,074</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,213</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,082</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">192,568</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risks in financial instruments</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">280,119</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">164,437</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">141,207</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,860</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,793</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,754</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,415</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">803,585</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1)  Equity instruments are shown net of valuation adjustment.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-208</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.908%"><tr><td style="width:1.0%"></td><td style="width:24.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.182%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.210%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Risks by geographical areas. December 2021 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of Europe</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,145</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,783</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,511</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,706</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">945</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,248</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">594</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,933</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity instruments</span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,682</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,510</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,885</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,273</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">80</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">206</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">951</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,587</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,336</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,288</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,042</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,418</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,677</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,237</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,993</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">120,990</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,527</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,648</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,653</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,608</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,771</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,839</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,669</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,813</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,156</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,508</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,401</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,341</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,213</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">275</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">480</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,860</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">619</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,878</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">270</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">903</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">402</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,203</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">662</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,447</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">788</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,535</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">220</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,118</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,770</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">177,851</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64,238</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60,208</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,319</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,743</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,182</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,984</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">400,525</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">865</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,832</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,991</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,442</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,154</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,542</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">256</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,102</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,733</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">490</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,359</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,360</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,901</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,452</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">361</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,695</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,221</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,247</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,238</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,583</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,183</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">985</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,521</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">954</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,165</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">851</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,242</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,643</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,993</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,930</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,403</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,500</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,024</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,250</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147,743</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,857</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,072</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,740</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,368</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,596</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153,789</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risk in financial assets</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">229,013</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114,819</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,647</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,718</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,445</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,873</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,521</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">575,035</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,604</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,313</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,662</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,239</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,359</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,926</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,516</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119,618</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,426</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,363</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">451</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,163</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">993</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,720</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,516</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,995</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,127</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,070</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,529</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,402</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,965</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,604</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,546</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,671</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,805</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,760</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,050</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,321</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,789</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">165,941</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risks in financial instruments</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">281,559</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">162,489</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">117,451</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,477</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57,496</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63,194</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,309</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">740,976</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Equity instruments are shown net of valuation adjustment.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-209</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.908%"><tr><td style="width:1.0%"></td><td style="width:24.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.636%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.210%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Risks by geographical areas. December 2020 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of Europe</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">The United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,419</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,811</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,292</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,350</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">349</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,162</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">800</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40,183</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity instruments </span><span style="color:#004481;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,196</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,627</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,197</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">925</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">65</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">260</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">420</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,690</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56,552</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,932</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,392</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,097</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,466</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,907</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,287</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">129,632</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,535</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,635</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48,765</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,320</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,567</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,412</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,449</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,547</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,641</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104,701</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,680</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,383</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,542</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">205</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">681</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,718</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,466</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,804</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">404</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">897</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">439</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">163</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,175</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">641</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,426</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">879</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,574</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">180</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">702</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,402</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">168,849</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,691</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57,787</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,335</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40,373</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39,081</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,964</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">375,080</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,301</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,408</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,282</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">General governments</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,712</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">328</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,671</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,401</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">732</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">644</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,888</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,477</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">217</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">830</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,762</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,940</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,742</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,826</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,489</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">946</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,165</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">756</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">723</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,647</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-financial corporations</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,314</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,078</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,878</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,670</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,963</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,215</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,573</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143,691</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Households</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,136</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,298</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,626</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,439</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,819</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151,493</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risk in financial assets</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">236,016</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,061</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">92,667</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,706</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,253</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,410</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,471</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">561,585</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,096</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,327</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,748</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,644</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,691</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,530</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,548</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132,584</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">850</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,302</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">714</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,415</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,013</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">348</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,665</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments given</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,474</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,224</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,618</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,922</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,403</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,883</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,666</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,190</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,419</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,853</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,391</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,280</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,508</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,425</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,563</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">179,440</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total risks in financial instruments</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">287,436</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">140,914</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110,058</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,986</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63,761</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57,836</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,034</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">741,025</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Equity instruments are shown net of valuation adjustment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the main figures in the most significant foreign currencies in the consolidated balance sheets is set forth in Appendix VII.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-210</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1141"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of loans and advances in the heading of &#8220;Loans and advances&#8221;, impaired by geographical area as December 31, 2022, 2021 and 2020.</span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:61.920%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.228%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impaired financial assets by geographic area (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,468</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,143</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,199</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">93</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,939</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,921</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,767</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,721</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,744</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,703</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,272</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,746</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,889</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of the world</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">IMPAIRED RISKS</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,493</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,657</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,678</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This Appendix is part of Note 7.2.8 of the consolidated financial statements for the year ended December 31, 2022.</span></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-211</span></div></div></div><div id="ic25a9b4cbc7f49d6826e33bf7238c6f1_1144"></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">Glossary</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional Tier 1 Capital</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Includes: Preferred stock and convertible perpetual securities and deductions.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortized cost</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The amortized cost of a financial asset or financial liability is the amount at which the financial asset or financial liability is measured at initial recognition minus the principal repayments, plus or minus, the cumulative amortization using the effective interest rate method of any difference between the initial amount and the maturity amount and, for financial assets, adjusted for any loss allowance.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Associates</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies in which the Group has a significant influence, without having control. Significant influence is deemed to exist when the Group owns 20% or more of the voting rights of an investee directly or indirectly.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Baseline macroeconomic scenarios</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 9 requires that an entity must evaluate a range of possible outcomes when estimating provisions and measuring expected credit losses, through macroeconomic scenarios. The baseline macroeconomic scenario presents the situation of the particular economic cycle.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings per share</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Calculated by dividing &#8220;Profit attributable to Parent Company&#8221; corresponding to ordinary shareholders of the entity by the weighted average number of shares outstanding throughout the year (i.e., excluding the average number of treasury shares held over the year).</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basis risk</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risk arising from hedging exposure to one interest rate with exposure to a rate that reprices under slightly different conditions.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Building Block Approach (BBA)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This is one of the three measurement models for the valuation of insurance and reinsurance contracts. This model is used by default and it applies to contracts with coverage periods of more than one year and not classified as contracts with direct participation, being mandatory except when the conditions to apply the other two methods are met: Variable Fee Approach or Premium Allocation Approach.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business combination</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A business combination is a transaction, or any other event, through which a single entity obtains the control of one or more businesses.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business Model</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assessment as to how an asset shall be classified is made on the basis of both the business model for managing the financial asset and the contractual cash flow characteristic of the financial asset (SPPI Criterion). Financial assets are classified on the basis of its business model for managing the financial assets. The Group&#8217;s business models shall be determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective and generate cash flows.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Those that hedge the exposure to variability in cash flows attributable to a particular risk associated with a recognized asset or liability or a highly probable forecast transaction and could affect profit or loss.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commissions</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income and expenses relating to commissions and similar fees are recognized in the income statement using criteria that vary according to their nature. The most significant income and expense items in this connection are:<br/>&#183; Fees and commissions relating linked to financial assets and liabilities measured at fair value through profit or loss, which are recognized when collected.<br/>&#183; Fees and commissions arising from transactions or services that are provided over a period of time, which are recognized over the life of these transactions or services.<br/>&#183; Fees and commissions generated by a single act are accrued upon execution of that act.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consolidation method</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Method used for the consolidation of the accounts of the Group&#8217;s subsidiaries. The assets and liabilities of the Group entities are incorporated line-by-line on the consolidate balance sheets, after conciliation and the elimination in full of intragroup balances, including amounts payable and receivable. Group entity income statement income and expense headings are similarly combined line by line into the consolidated income statement, having made the following consolidation eliminations: a) income and expenses in respect of intragroup transactions are eliminated in full. b) profits and losses resulting from intragroup transactions are similarly eliminated. The carrying amount of the parent's investment and the parent's share of equity in each subsidiary are eliminated.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingencies</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current obligations of the entity arising as a result of past events whose existence depends on the occurrence or non-occurrence of one or more future events independent of the will of the entity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent<br/>commitments</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Possible obligations of the entity that arise from past events and whose existence depends on the occurrence or non-occurrence of one or more future events independent of the entity&#8217;s will and that could lead to the recognition of financial assets.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Control</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An investor controls an investee when it is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee. An investor controls an investee if and only if the investor has all the following:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">Power; An investor has power over an investee when the investor has existing rights that give it the current ability to direct the relevant activities, i.e. the activities that significantly affect the investee&#8217;s returns. </span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">Returns; An investor is exposed, or has rights, to variable returns from its involvement with the investee when the investor&#8217;s returns from its involvement have the potential to vary as a result of the investee&#8217;s performance. The investor&#8217;s returns can be only positive, only negative or both positive and negative.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.78pt">&#160;Link between power and returns; An investor controls an investee if the investor not only has power over the investee and exposure or rights to variable returns from its involvement with the investee, but also has the ability to use its power to affect the investor&#8217;s returns from its involvement with the investee.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation risk</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation risk is related to derivatives whose final value depends on the performance of more than one underlying asset (primarily, stock baskets) and indicates the existing variability in the correlations between each pair of assets.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Valuation Adjustment (CVA)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An adjustment to the valuation of OTC derivative contracts to reflect the creditworthiness of OTC derivative counterparties.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost is the increase in the present value of a defined benefit obligation resulting from employee service in the current period.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax assets</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxes recoverable over the next twelve months.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax liabilities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate income tax payable on taxable profit for the year and other taxes payable in the next twelve months.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-212</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debit Valuation Adjustment (DVA)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An adjustment made by an entity to the valuation of OTC derivative liabilities to reflect within fair value the entity&#8217;s own credit risk.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Obligations and other interest-bearing securities that create or evidence a debt on the part of their issuer, including debt securities issued for trading among an open group of investors, that accrue interest, implied or explicit, whose rate, fixed or benchmarked to other rates, is established contractually, and take the form of securities or book-entries, irrespective of the issuer.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Default</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An asset will be considered as defaulted whenever it is more than 90 days past due.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxes recoverable in future years, including loss carry forwards or tax credits for deductions and tax rebates pending application.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income taxes payable in subsequent years.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit plans</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Post-employment obligation under which the entity, directly or indirectly via the plan, retains the contractual or implicit obligation to pay remuneration directly to employees when required or to pay additional amounts if the insurer, or other entity required to pay, does not cover all the benefits relating to the services rendered by the employees when insurance policies do not cover all of the corresponding post-employees benefits.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined contribution plans</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined contribution plans are retirement benefit plans under which amounts to be paid as retirement benefits are determined by contributions to a fund together with investment earnings thereon. The employer's obligations in respect of its employees current and prior years' employment service are discharged by contributions to the fund.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from central banks</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits of all classes, including loans and money market operations, received from the Bank of Spain and other central banks.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from credit institutions</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits of all classes, including loans and money market operations received, from credit entities.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from customers</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redeemable cash balances received by the entity, with the exception of debt certificates, money market operations through counterparties and subordinated liabilities, which are not received from either central banks or credit entities. This category also includes cash deposits and consignments received that can be readily withdrawn.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value in favor (assets) or again (liabilities) of the entity of derivatives not designated as accounting hedges.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives - Hedging derivatives</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as hedging instruments in an accounting hedge. The fair value or future cash flows of those derivatives is expected to offset the differences in the fair value or cash flows of the items hedged.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted earnings per share</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Calculated by using a method similar to that used to calculate basic earnings per share; the weighted average number of shares outstanding, and the profit attributable to the parent company corresponding to ordinary shareholders of the entity, if appropriate, is adjusted to take into account the potential dilutive effect of certain financial instruments that could generate the issue of new Bank shares (share option commitments with employees, warrants on parent company shares, convertible debt instruments, etc.).</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends and retributions</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income collected announced during the year, corresponding to profits generated by investees after the acquisition of the stake.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Domestic activity</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Domestic balances are those of BBVA&#180;s Group entities domiciled in Spain, which reflect BBVA&#180;s domestic activities, being the allocation of assets and liabilities based on the domicile of the Group entity at which the relevant asset or liability is accounted for.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Early retirements</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employees that no longer render their services to the entity but which, without being legally retired, remain entitled to make economic claims on the entity until they formally retire.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Economic capital</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Methods or practices that allow banks to consistently assess risk and attribute capital to cover the economic effects of risk-taking activities.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effective interest rate (EIR)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate that exactly equals the value of a financial instrument with the cash flows estimated over the expected life of the instrument based on its contractual period as well as its anticipated amortization, but without taking the future losses of credit risk into consideration.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employee expenses</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All compensation accrued during the year in respect of personnel on the payroll, under permanent or temporary contracts, irrespective of their jobs or functions, irrespective of the concept, including the current costs of servicing pension plans, own share based compensation schemes and capitalized personnel expenses. Amounts reimbursed by the state Social Security or other welfare entities in respect of employee illness are deducted from personnel expenses.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The residual interest in an entity's assets after deducting its liabilities. It includes owner or venturer contributions to the entity, at incorporation and subsequently, unless they meet the definition of liabilities, and accumulated net profits or losses, fair value adjustments affecting equity and, if warranted, non-controlling interests.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An equity instrument that evidences a residual interest in the assets of an entity, that is after deducting all of its liabilities.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments issued other than capital</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Includes equity instruments that are financial instruments other than &#8220;Capital&#8221; and &#8220;Equity component of compound financial instruments&#8221;.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity Method</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Is a method of accounting whereby the investment is initially recognized at cost and adjusted thereafter for the post-acquisition change in the investor&#8217;s share of the investee&#8217;s net assets. The investor&#8217;s profit or loss includes its share of the investee&#8217;s profit or loss and the investor&#8217;s other comprehensive income includes its share of the investee&#8217;s other comprehensive income.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange/translation differences</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences (P&amp;L): Includes the earnings obtained in currency trading and the differences arising on translating monetary items denominated in foreign currency to the functional currency. Exchange differences (valuation adjustments): those recorded due to the translation of the financial statements in foreign currency to the functional currency of the Group and others recorded against equity.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-213</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected Credit Loss (ECL)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected credit losses are a probability-weighted estimate of credit losses over the expected life of the financial instrument. Hence, credit losses are the present value of expected cash shortfalls. The measurement and estimate of these expected credit losses should reflect:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span><br/></span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1. An unbiased and probability-weighted amount.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2. The time value of money by discounting this amount to the reporting date using a rate that approximates the EIR of the asset, and</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3. Reasonable and supportable information that is available without undue cost or effort.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span><br/></span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The expected credit losses must be measured as the difference between the asset&#8217;s gross carrying amount and the present value of estimated future cash flows discounted at the financial asset&#8217;s original effective interest rate or an approximation thereof (forward looking).</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exposure at default</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EAD is the amount of risk exposure at the date of default by the counterparty.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives that hedge the exposure to changes in the fair value of assets and liabilities or firm commitments that have not be recognized, or of an identified portion of said assets, liabilities or firm commitments, attributable to a specific risk, provided it could affect the income statement.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial Assets at Amortized Cost</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets that do not meet the definition of financial assets designated at fair value through profit or loss and arise from the financial entities' ordinary activities to capture funds, regardless of their instrumentation or maturity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial Assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments with determined or determinable cash flows and in which the entire payment made by the entity will be recovered, except for reasons attributable to the solvency of the debtor. This category includes both the investments from the typical lending activity as well as debts contracted by the purchasers of goods, or users of services, that form part of the entity&#8217;s business. It also includes all finance lease arrangements in which the subsidiaries act as lessors.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts that require the issuer to make specified payments to reimburse the holder for a loss it incurs when a specified debtor fails to make payment when due in accordance with the original or modified terms of a debt instrument, irrespective of its instrumentation. These guarantees may take the form of deposits, technical or financial guarantees, insurance contracts or credit derivatives.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees given</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactions through which the entity guarantees commitments assumed by third parties in respect of financial guarantees granted or other types of contracts.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instrument</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A financial instrument is any contract that gives rise to a financial asset of one entity and to a financial liability or equity instrument of another entity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities that do not meet the definition of financial liabilities designated at fair value through profit or loss and arise from the financial entities' ordinary activities to capture funds, regardless of their instrumentation or maturity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign activity</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">International balances are those of BBVA&#180;s Group entities domiciled outside of Spain, which reflect our foreign activities, being the allocation of assets and liabilities based on the domicile of the Group entity at which the relevant asset or liability is accounted for.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill acquired in a business combination represents a payment made by the acquirer in anticipation of future economic benefits from assets that are not able to be individually identified and separately recognized.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency hedge of a net investment in a foreign operation.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Held for trading (assets and liabilities)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets and liabilities acquired or incurred primarily for the purpose of profiting from variations in their prices in the short term.<br/>This category also includes financial derivatives not qualifying for hedge accounting, and in the case of borrowed securities, financial liabilities originated by the firm sale of financial assets acquired under repurchase agreements or received on loan (&#8220;short positions&#8221;).</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Immunized portfolios</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This is considered to be the portfolios on which "cash flow matching" is carried out, that is, balance sheet management with the aim of trying to mitigate the risk derived from the different maturities and interest rates between assets and liabilities.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impaired financial assets</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An asset is credit-impaired according to IFRS 9 if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-indent:3.82pt"><span><br/></span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.52pt">a significant financial difficulty of the issuer or the borrower,</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.52pt">a breach of contract (e.g. a default or past due event),</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.96pt">a lender having granted a concession to the borrower &#8211; for economic or contractual reasons relating to the borrower&#8217;s financial difficulty &#8211; that the lender would not otherwise consider,</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.52pt">it becoming probable that the borrower will enter bankruptcy or other financial reorganization,</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">e.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.52pt">the disappearance of an active market for that financial asset because of financial difficulties, or</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">f.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:9.74pt">the purchase or origination of a financial asset at a deep discount that reflects the incurred credit losses.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income from equity instruments</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends and income on equity instruments collected or announced during the year corresponding to profits generated by investees after the ownership interest is acquired. Income is recognized gross, i.e., without deducting any withholdings made, if any.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inside Information</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Type of filing with the CNMV communicating information which by its nature may affect the price of one or more securities, or the market as a whole, and which has not yet been the subject of publicity or dissemination.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contracts linked to pensions</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of insurance contracts written to cover pension commitments.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-214</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inventories</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets, other than financial instruments, under production, construction or development, held for sale during the normal course of business, or to be consumed in the production process or during the rendering of services. Inventories include land and other properties held for sale at the real estate development business.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment properties</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property is property (land or a building&#8212;or part of a building&#8212;or both) held (by the owner or by the lessee under a finance lease) to earn rentals or for capital appreciation or both, rather than for own use or sale in the ordinary course of business.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Joint arrangement</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An arrangement of which two or more parties have joint control.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Joint control</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The contractually agreed sharing of control of an arrangement, which exists only when decisions about the relevant activities require the unanimous consent of the parties sharing control.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Joint operation</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A joint arrangement whereby the parties that have joint control of the arrangement have rights to the assets of the arrangement and obligations for the liabilities. A joint venturer shall recognize the following for its participation in a joint operation: </span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">its assets, including any share of the assets of joint ownership; </span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">its liabilities, including any share of the liabilities incurred jointly;</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.78pt">income from the sale of its share of production from the joint venture;</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">its share of the proceeds from the sale of production from the joint venturer; and </span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">e.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">its expenses, including any share of the joint expenses. A joint venturer shall account for the assets, liabilities, income and expenses related to its participation in a joint operation in accordance with IFRS applicable to the assets, liabilities, income and expenses specific question.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Joint venture</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A joint arrangement whereby the parties that have joint control of the arrangement have rights to the net assets of the arrangement. A joint venturer shall recognize its interest in a joint venture as an investment and shall account for that investment using the equity method in accordance with IAS 28 Investments in Associates and Joint Ventures.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A lease is an agreement whereby the lessor conveys to the lessee in return for a payment or series of payments the right to use an asset for an agreed period of time, a stream of cash flows that is essentially equivalent to the combination of principal and interest payments under a loan agreement. a) A lease is classified as a finance lease when it substantially transfers all the risks and rewards incidental to ownership of the asset forming the subject-matter of the contract. b) A lease will be classified as operating lease when it is not a financial lease.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liability</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease that represents the lessee&#8217;s obligation to make lease payments during the lease term.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities included in disposal groups classified as held for sale</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The balance of liabilities directly associated with assets classified as non-current assets held for sale, including those recognized under liabilities in the entity's balance sheet at the balance sheet date corresponding to discontinued operations.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The technical reserves of direct insurance and inward reinsurance recorded by the entities to cover claims arising from insurance contracts in force at period-end.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and receivables, irrespective of their type, granted to third parties that are not credit entities.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loss given default (LGD)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">It is the estimate of the loss arising in the event of default. It depends mainly on the characteristics of the counterparty, and the valuation of the guarantees or collateral associated with the asset.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-covered bonds</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial asset or security created from mortgage loans and backed by the guarantee of the mortgage loan portfolio of the entity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non Performing Loans (NPL)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The balance of non performing risks, whether for reasons of default by customers or for other reasons, for exposures on balance loans to customers. This figure is shown gross: in other words, it is not adjusted for value corrections (loan loss reserves) made.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-controlling interests</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The net amount of the profit or loss and net assets of a subsidiary attributable to associates outside the group (that is, the amount that is not owned, directly or indirectly, by the parent), including that amount in the corresponding part of the earnings for the period.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets and disposal groups held for sale</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A non-current asset or disposal group, whose carrying amount is expected to be realized through a sale transaction, rather than through continuing use, and which meets the following requirements: </span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.52pt">it is immediately available for sale in its present condition at the balance sheet date, i.e. only normal procedures are required for the sale of the asset.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:35.43pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:7.52pt">the sale is considered highly probable.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-monetary assets</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets and liabilities that do not provide any right to receive or deliver a determined or determinable amount of monetary units, such as tangible and intangible assets, goodwill and ordinary shares subordinate to all other classes of capital instruments.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through<br/>Profit or loss</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The financial assets registered under this heading are assigned to a business model whose objective is achieved by obtaining contractual cash flows and / or selling financial assets but which the contractual cash flows have not complied with the SPPI test conditions.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option risk</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risks arising from options, including embedded options.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-215</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets/liabilities at fair value through profit or loss</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Instruments designated by the entity from the inception at fair value with changes in profit or loss. An entity may only designate a financial instrument at fair value through profit or loss, if doing so more relevant information is obtained, because:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">It eliminates or significantly reduces a measurement or recognition inconsistency (sometimes called "accounting mismatch") that would otherwise arise from measuring assets or liabilities or recognizing the gains and losses on them on different bases. It might be acceptable to designate only some of a number of similar financial assets or financial liabilities if doing so a significant reduction (and possibly a greater reduction than other allowable designations) in the inconsistency is achieved.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">The performance of a group of financial assets or financial liabilities is managed and evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided internally on that basis to the entity&#180;s key management personnel. These are financial assets managed jointly with &#8220;Liabilities under insurance and reinsurance contracts&#8221; measured at fair value, in combination with derivatives written with a view to significantly mitigating exposure to changes in these contracts' fair value, or in combination with financial liabilities and derivatives designed to significantly reduce global exposure to interest rate risk. These headings include customer loans and deposits effected via so-called unit-linked life insurance contracts, in which the policyholder assumes the investment risk.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Relevant Information</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Type of filing with the CNMV communicating an event, news item or piece of information that may influence investors' decisions on a given security, with a consequent impact on the share price.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Reserves</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This heading is broken down as follows:<br/>i) Reserves or accumulated losses of investments in subsidiaries, joint ventures and associates: include the accumulated amount of income and expenses generated by the aforementioned investments through profit or loss in past years.<br/>ii) Other: includes reserves different from those separately disclosed in other items and may include legal reserve and statutory reserve.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other retributions to employees long term</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Includes the amount of compensation plans to employees long term.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Own/treasury shares</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The amount of own equity instruments held by the entity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">It is the change in the present value of the defined benefit obligation for employee service in prior periods, resulting in the current period from the introduction of, or changes to, post-employment benefits or other long-term employee benefits.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Post-employment benefits</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit plans are arrangements whereby an enterprise provides benefits for its employees on or after termination of service.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premium Allocation Approach (PAA)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This is one of the three measurement models for the valuation of insurance and reinsurance contracts. This is a simplification of the general method (BBA) in the valuation of the provision for the remaining coverage, which can be adopted if the coverage period of the group of contracts is less than or equal to one year, according to the limits of the contract, or if the liability for the remaining coverage obtained does not differ materially from that produced under the general method.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Probability of default (PD)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">It is the probability of the counterparty failing to meet its principal and/or interest payment obligations. The PD is associated with the rating/scoring of each counterparty/transaction.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property, plant and equipment/tangible assets</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Buildings, land, fixtures, vehicles, computer equipment and other facilities owned by the entity or acquired under finance leases.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions include amounts recognized to cover the Group&#8217;s current obligations arising as a result of past events, certain in terms of nature but uncertain in terms of amount and/or cancellation date.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for contingent liabilities and commitments</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions recorded to cover exposures arising as a result of transactions through which the entity guarantees commitments assumed by third parties in respect of financial guarantees granted or other types of contracts, and provisions for contingent commitments, i.e., irrevocable commitments which may arise upon recognition of financial assets.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for pensions and similar obligation</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Constitutes all provisions recognized to cover retirement benefits, including commitments assumed vis-&#224;-vis beneficiaries of early retirement and analogous schemes.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions or (-) reversal of provisions</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions recognized during the year, net of recoveries on amounts provisioned in prior years, with the exception of provisions for pensions and contributions to pension funds which constitute current or interest expense.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinanced Operation</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An operation which is totally or partially brought up to date with its payments as a result of a refinancing operation made by the entity itself or by another company in its group.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinancing Operation</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An operation which, irrespective of the holder or guarantees involved, is granted or used for financial or legal reasons related to current or foreseeable financial difficulties that the holder(s) may have in settling one or more operations granted by the entity itself or by other companies in its group to the holder(s) or to another company or companies of its group, or through which such operations are totally or partially brought up to date with their payments, in order to enable the holders of the settled or refinanced operations to pay off their loans (principal and interest) because they are unable, or are expected to be unable, to meet the conditions in a timely and appropriate manner.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repricing risk</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risks related to the timing mismatch in the maturity and repricing of assets and liabilities and off-balance sheet short and long-term positions.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-216</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restructured Operation</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An operation whose financial conditions are modified for economic or legal reasons related to the holder's (or holders') current or foreseeable financial difficulties, in order to enable payment of the loan (principal and interest), because the holder is unable, or is expected to be unable, to meet those conditions in a timely and appropriate manner, even if such modification is provided for in the contract. In any event, the following are considered restructured operations: operations in which a haircut is made or assets are received in order to reduce the loan, or in which their conditions are modified in order to extend their maturity, change the amortization table in order to reduce the amount of the installments in the short term or reduce their frequency, or to establish or extend the grace period for the principal, the interest or both; except when it can be proved that the conditions are modified for reasons other than the financial difficulties of the holders and, are similar to those applied on the market on the modification date for operations granted to customers with a similar risk profile.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retained earnings</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated net profits or losses recognized in the income statement in prior years and retained in equity upon distribution.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Right of use asset</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset that represents the lessee&#8217;s right to use an underlying asset during the lease term.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securitization fund</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A fund that is configured as a separate equity and administered by a management company. An entity that would like funding sells certain assets to the securitization fund, which, in turn, issues securities backed by said assets.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share premium</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The amount paid in by owners for issued equity at a premium to the shares' nominal value.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Shareholders' funds</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions by stockholders, accumulated earnings recognized in the income statement and the equity components of compound financial instruments.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities arising as a result of the final sale of financial assets acquired under repurchase agreements or received on loan.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Significant increase in credit risk</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In order to determine whether there has been a significant increase in credit risk for lifetime expected losses recognition, the Group has develop a two-prong approach:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:21.25pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:13.56pt">Quantitative criterion: based on comparing the current expected probability of default over the life of the transaction with the original adjusted expected probability of default. The thresholds used for considering a significant increase in risk take into account special cases according to geographic areas and portfolios.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:21.25pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:13.56pt">Qualitative criterion: most indicators for detecting significant risk increase are included in the Group's systems through rating/scoring systems or macroeconomic scenarios, so quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when it considers it necessary to include circumstances that are not reflected in the rating/score systems or macroeconomic scenarios used.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Significant influence</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Is the power to participate in the financial and operating policy decisions of the investee but is not control or joint control of those policies. If an entity holds, directly or indirectly (i.e. through subsidiaries), 20 per cent or more of the voting power of the investee, it is presumed that the entity has significant influence, unless it can be clearly demonstrated that this is not the case. Conversely, if the entity holds, directly or indirectly (i.e. through subsidiaries), less than 20 per cent of the voting power of the investee, it is presumed that the entity does not have significant influence, unless such influence can be clearly demonstrated. A substantial or majority ownership by another investor does not necessarily preclude an entity from having significant influence.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The existence of significant influence by an entity is usually evidenced in one or more of the following ways:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">representation on the board of directors or equivalent governing body of the investee; b) participation in policy-making processes, including participation in decisions about dividends or other distributions;</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">material transactions between the entity and its investee;</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.78pt">interchange of managerial personnel; or</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">provision of essential technical information.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Solely Payments of Principle and Interest (SPPI)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assessment as to how an asset shall be classified is made on the basis of both the business model for managing the financial asset and the contractual cash flow characteristic of the financial asset (SPPI Criterion). To determine whether a financial asset shall be classified as measured at amortized cost or FVOCI, a<br/>Group assesses (apart from the business model) whether the cash flows from the financial asset represent, on specified dates, solely payments of principal and interest on the principal amount outstanding (SPPI).</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stages</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 9 classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initially recognized - without significant increase in credit risk (stage 1); the second comprises the operations for which a significant increase in credit risk has been identified since its initial recognition - significant increase in credit risk (stage 2) and the third one, the impaired operations Impaired (stage 3).</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The transfer logic is defined in a symmetrical way, whenever the condition that</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">triggered a transfer to stage 2 is no longer met, the exposure will be transferred to</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">stage 1. In the case of forbearances transferred to stage 2, as long as the loan is flagged as forbearance it will keep its status as stage 2. However, when the loan is not flagged as forbearance it will be transferred back to stage 1.</span></div></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-217</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Statements of cash flows</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The indirect method has been used for the preparation of the statement of cash flows. This method starts from the entity&#8217;s profit and adjusts its amount for the effects of transactions of a non-cash nature, any deferrals or accruals of past or future operating cash receipts or payments, and items of income or expense associated with cash flows classified as investment or finance. As well as cash, short-term, highly liquid investments subject to a low risk of changes in value, such as cash and deposits in central banks, are classified as cash and equivalents. When preparing these financial statements the following definitions have been used:<br/>&#183; Cash flows: Inflows and outflows of cash and equivalents.<br/>&#183; Operating activities: The typical activities of credit institutions and other activities that cannot be classified as investment or financing activities.<br/>&#183; Investing activities: The acquisition, sale or other disposal of long-term assets and other investments not included in cash and cash equivalents or in operating activities.<br/>&#183; Financing activities: Activities that result in changes in the size and composition of the Group&#8217;s equity and of liabilities that do not form part of operating activities.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Statements of changes in equity</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The statements of changes in equity reflect all the movements generated in each year in each of the headings of the equity, including those from transactions undertaken with shareholders when they act as such, and those due to changes in accounting criteria or corrections of errors, if any.<br/></span><span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><br/></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The applicable regulations establish that certain categories of assets and liabilities are recognized at their fair value with a charge to equity. These charges, known as &#8220;Valuation adjustments&#8221; (see Note 31), are included in the Group&#8217;s total equity net of tax effect, which has been recognized as deferred tax assets or liabilities, as appropriate.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Statements of recognized income and expense</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The statement of recognized income and expenses reflect the income and expenses generated in each fiscal year, distinguishing between those recognized in the profit and loss accounts and the &#8220;Other recognized income and expenses&#8221;; which are recorded directly in the equity.<br/></span><span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><br/></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The &#8220;Other recognized income and expenses&#8221; includes the variations that have occurred in the period in &#8220;accumulated other comprehensive income&#8221;, detailed by concepts.<br/></span><span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><br/></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The sum of the variations recorded in the &#8220;accumulated other comprehensive income&#8221; caption of the equity and the profit for the year represents the &#8220;Total income and expenses&#8221;.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Structured credit products</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Special financial instrument backed by other instruments building a subordination structure.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Structured Entities</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A structured entity is an entity that has been designed so that voting or similar rights are not the dominant factor in deciding who controls the entity, such as when any voting rights relate to administrative tasks only and the relevant activities are directed by means of contractual arrangements. A structured entity often has some or all of the following features or attributes:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">restricted activities.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">a narrow and well-defined objective, such as to effect a tax-efficient lease, carry out research and development activities, provide a source of capital or funding to an entity or provide investment opportunities for investors and passing on risks and rewards associated with the assets of the structured entity to investors.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.78pt">insufficient equity to permit the structured entity to finance its activities without subordinated financial support.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">financing in the form of multiple contractually linked instruments to investors that create concentrations of credit or other risks (tranches).</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing received, regardless of its instrumentation, which ranks after the common creditors in the event of a liquidation.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subsidiaries</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Companies over which the Group exercises control. An entity is presumed to have control over another when it possesses the right to oversee its financial and operational policies, through a legal, statutory or contractual procedure, in order to obtain benefits from its economic activities. Control is presumed to exist when the parent owns, directly or indirectly through subsidiaries, more than one half of an entity's voting power, unless, exceptionally, it can be clearly demonstrated that ownership of more than one half of an entity's voting rights does not constitute control of it. Control also exists when the parent owns half or less of the voting power of an entity when there is:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">an agreement that gives the parent the right to control the votes of other shareholders; </span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.34pt">power to govern the financial and operating policies of the entity under a statute or an agreement; power to appoint or remove the majority of the members of the board of directors or equivalent governing body and control of the entity is by that board or body;</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.78pt">power to cast the majority of votes at meetings of the board of directors or equivalent governing body and control of the entity is by that board or body.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible book value</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible Book Value represents the tangible equity's value for the shareholders as it does not include the intangible assets and the minority interests (non-controlling interests). It is calculated by discounting intangible assets, that is, goodwill and the rest of consolidated intangibles recorded under the public balance sheet (goodwill and intangible assets of companies accounted for by the equity method or companies classified as non-current assets for sale are not subtracted).It is also shown as ex-dividends.<br/></span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax liabilities</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All tax related liabilities except for provisions for taxes.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Territorial bonds</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets or fixed asset security issued with the guarantee of portfolio loans of the public sector of the issuing entity.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 Capital</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mainly includes: Common stock, parent company reserves, reserves in companies, non-controlling interests, deductions and others and attributed net income.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2 Capital</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mainly includes: Subordinated, preferred shares and non- controlling interest.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit-link</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This is life insurance in which the policyholder assumes the risk. In these policies, the funds for the technical insurance provisions are invested in the name of and on behalf of the policyholder in shares of Collective Investment Institutions and other financial assets chosen by the policyholder, who bears the investment risk.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-218</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.52pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"></td><td style="width:19.084%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:78.716%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Value at Risk (VaR)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Value at Risk (VaR) is the basic variable for measuring and controlling the Group&#8217;s market risk. This risk metric estimates the maximum loss that may occur in a portfolio&#8217;s market positions for a particular time horizon and given confidence level VaR figures are estimated following two methodologies:</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:43.08pt;text-indent:-25.09pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:18.43pt">VaR without smoothing, which awards equal weight to the daily information for the immediately preceding last two years. This is currently the official methodology for measuring market risks vis-&#224;-vis limits compliance of the risk.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:43.08pt;text-indent:-25.09pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:18.43pt">VaR with smoothing, which weighs more recent market information more heavily. This is a metric which supplements the previous one.</span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:43.08pt;text-indent:-25.09pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:18.87pt">VaR with smoothing adapts itself more swiftly to the changes in financial market conditions, whereas VaR without smoothing is, in general, a more stable metric that will tend to exceed VaR with smoothing when the markets show less volatile trends, while it will tend to be lower when they present upturns in uncertainty.</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Variable Fee Approach (VFA)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This is one of the three measurement models for the valuation of insurance and reinsurance contracts. Applies to those insurance contracts in which the requirements established by IFRS 17 par.B101 are met: fully identified underlying assets, significant participation of the policyholder in the profitability of the underlying assets and that the payment of future benefits is significantly related to the value of the underlying assets.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Watch List (WL)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Watch List is defined as such risk that, derived from an individualized credit assessment, involves a significant increase in credit risk from the moment of origination, due to economic or financial difficulties or because it has suffered, or is estimated to suffer, adverse situations in its environment, without meeting the criteria for its classification as non performing.</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write- off</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">When the recovery of any recognized amount is considered to be remote, this amount is removed from the balance sheet, without prejudice to any actions taken by the entities in order to collect the amount until their rights extinguish in full through expiry, forgiveness or for other reasons.</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield curve risk</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risks arising from changes in the slope and the shape of the yield curve.</span></td></tr></table></div><div style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">F-219</span></div></div></div></body></html>
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</TEXT>
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<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>exhibit11.htm
<DESCRIPTION>EX-1.1
<TEXT>
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<title>Document</title></head><body><div id="i86abc20c0cd64fbea595a26dd4e3b1c5_71"></div><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-align:right;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exhibit 1.1</font></div></div><div><font><br></font></div><div style="margin-bottom:10pt;margin-top:151pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:36pt;font-weight:700;line-height:120%">BYLAWS </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:36pt;font-weight:700;line-height:120%">OF</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:36pt;font-weight:700;line-height:120%">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div></div><div id="i86abc20c0cd64fbea595a26dd4e3b1c5_33"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2</font></div></td></tr></table></div></div><div style="margin-bottom:12pt;text-align:right"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">TITLE I </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">GENERAL CHARACTERISTICS</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Name, registered office, corporate purpose and duration of the company</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 1.      Name</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Company is called Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter the Bank or the Company) and will be governed by the law, these Bylaws and other provisions applicable to it at any time.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 2.      Registered office</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank has its registered office in the city of Bilbao (Bizkaia), 4, Plaza de San Nicol&#225;s, and may establish branches, agencies, delegations and representative offices anywhere in Spain or abroad, in accordance with the legal provisions in force.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The registered office may be changed within the same municipal district by resolution of the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 3.      Corporate purpose</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank's purpose is to carry out all kinds of activities, operations, acts, contracts and services within the banking business or directly or indirectly related to it, which are permitted or not prohibited by the provisions in force and supplementary activities.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Its corporate purpose also includes the acquisition, possession, use and disposal of securities, public offering of acquisition and sale of securities, as well as all types of holdings in any entity or company.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 4.      Duration and commencement of operations</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The duration of the Company is indefinite, and it may commence operations on the date on which the public deed of constitution is formalised.</font></div><div id="i86abc20c0cd64fbea595a26dd4e3b1c5_64"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">TITLE II </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SHARE CAPITAL. SHARES. SHAREHOLDERS</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter One. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Share Capital</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 5.      Share capital</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank's share capital is TWO BILLION, NINE HUNDRED FIFTY-FOUR MILLION, SEVEN HUNDRED FIFTY-SEVEN THOUSAND, ONE HUNDRED SIXTEEN EUROS AND THIRTY-SIX EURO CENTS (EUR 2,954,757,116.36), represented by SIX BILLION, THIRTY MILLION, ONE HUNDRED SIXTEEN THOUSAND, FIVE HUNDRED SIXTY-FOUR (6,030,116,564) shares, each with a nominal value of FORTY-NINE EURO CENTS (EUR 0.49), all of the same class and series, fully subscribed and paid up.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">3</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 6.      Capital increase or reduction</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank's share capital may be increased or reduced by resolution of the General Shareholders' Meeting, without prejudice to the provisions of article 30, paragraphs c) and d) of these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The share capital may be increased by issuing new shares or by increasing the nominal value of existing shares. In both cases, the capital increase may be charged to new monetary or non-monetary contributions to corporate equity, including the provision of credits against the Company, or to profits or reserves already included in the most recent approved balance sheet. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the case of share capital increases through the issuance of new shares, whether ordinary or preference, charged to monetary contributions, shareholders will be entitled to subscribe a number of shares proportional to the nominal value of the shares they hold, within the period granted to this effect by the directors of the Company, which will be no less than fifteen days from the publication of the announcement of the offer of subscription to the new shares in the Official Gazette of the Commercial Registry. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The pre-emptive subscription right will be transferable under the same conditions as the shares from which it derives. In the case of share capital increases charged to reserves, the same rule will apply to the rights of free allocation of the new shares.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The pre-emptive subscription right will not apply when the capital increase is due to the absorption of another company or of all or part of the split-off assets of another company or the conversion of bonds into shares. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In cases where the interest of the Company so requires, the General Shareholders' Meeting, when deciding on the capital increase, may agree upon, in line with the legally established requirements, the total or partial elimination of the pre-emptive subscription right.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter Two. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Shares</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 7.      Representation of shares</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The shares will be represented by book entries, subject to the provisions of the Securities Exchange Act and other applicable provisions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 8.      Registration of shares</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The shares, as well as their transfer and the constitution of rights in rem or any other kind of encumbrances thereon, will be recorded in the corresponding Accounting Register, in accordance with the Securities Exchange Act and concordant provisions.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Nevertheless, based on the principle of registered form that governs the Bank's shares, the company will maintain its own register of shareholders for the purposes and with the effectiveness attributed to it in each case by current regulations. To this end, should the formal status of a shareholder correspond to persons or entities that, in accordance with their own legislation, hold said status by means of a fiduciary relationship, trust or any other equivalent title, the Company may require the aforementioned persons or entities to communicate to it the beneficial owners of said shares and any acts of transfer or encumbrance thereof.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 9.      Outstanding disbursements</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Where any shares are not paid up in full, the shareholder must proceed to pay the outstanding portion when determined by the Board of Directors, within a maximum period of five years from the date of the resolution of the share capital increase. The payment method and other relevant circumstances will be subject to the provisions of the resolution of the share capital increase.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Those concerned will be notified of the requirement for payment of outstanding disbursements, or it will be announced in the Official Gazette of the Commercial Registry. There must be a minimum of one month between the date of sending the communication or the announcement and the payment date.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The shareholder in default of the payment of outstanding disbursements shall not exercise their voting right. The amount of their shares will be deducted from the share capital for the calculation of the quorum. The shareholder in default will not be entitled to receive dividends, nor pre-emptive subscription to new shares, nor convertible bonds.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Should the period established for payment elapse without the payment being made, the Bank may, depending on the case and in light of the nature of the disbursement not made, either demand compliance with the payment obligation, including payment of legal interest and the loss and damage caused by the delay, or dispose of the shares in default on the account and risk of the defaulting shareholder. In this case, the disposal of the shares will be verified by a member of the official secondary market on which they were admitted to trade, or alternatively by the certifying officer, and will entail, if appropriate, the replacement of the original share certificate by a duplicate. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The proceeds of the sale, as may be the case, after deducting expenses, will enter the Bank's possession and they will be allocated to cover the overdraft of the cancelled shares. Should there be any surplus, it will be delivered to the holder.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the sale cannot take place, the share will be redeemed, with the consequent share capital reduction, leaving the amounts already paid as profits for the Company.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Should the partially paid shares be transferred, the acquiring shareholder will be jointly liable for the payment of the outstanding amount, together with all the preceding transferors, at the choice of the Board of Directors. The transferors will be liable for a term of three years from the date of the respective transfer.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The provisions of this article will not prevent the Bank from using any of the means provided for in the applicable legislation against defaulting shareholders.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 10.    Multiple ownership</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All shares are indivisible. Where, as a result of inheritance, legacy or any other title, the ownership of a share is vested in two or more persons, said persons, without prejudice to the provisions of article 24 of these Bylaws, must appoint one person to exercise the shareholder rights and will be jointly liable to the Company with respect to all obligations arising from their status as shareholders. If they do reach an agreement for this appointment or do not give notice thereof to the Company, the right of representation will be deemed to be attributed to the person with the largest portion. Should all portions be equal, the appointment will be made by the Bank by the means of drawing lots.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The same rule will apply to other cases of joint ownership of rights on the shares.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 11.    Transfer of shares</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The transfer of shares in the Company, which will be free, will be performed by book transfer. The recording of the transfer in the accounting register in favour of the acquirer will have the same effects as the transfer of securities.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The legitimisation for the transfer and exercise of the rights arising from the shares may be evidenced by showing the corresponding certificate issued by the entity or agency responsible for the accounting register in which the shares are registered.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">5</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 12.    Theft, misappropriation, misplacement or destruction of certificates issued by the accounting register</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event of theft, misappropriation, misplacement or destruction of the certificates evidencing the status of shareholder, for the issuance of new certificates to replace the original copies, the legislation applicable to the system of representation of securities by book entries will apply.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 13.    Non-voting shares</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Company may issue shares with no voting rights within the legally established limits. Their holders will be entitled to receive a minimum annual dividend, fixed or variable, as resolved by the General Meeting and&#47;or the Board of Directors at the time of deciding to issue the shares. Once the minimum dividend has been agreed, holders of non-voting shares will be entitled to the same dividend as corresponds to ordinary shares. Where there are distributable profits, the Company is required to agree the distribution of the aforementioned minimum dividend. If there are no distributable profits or insufficient amounts thereof, the unpaid part of the minimum dividend will or will not be accumulated in the terms agreed upon by the General Meeting at the time of deciding to issue the shares.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of non-voting shares may exercise the pre-emptive subscription right in the event that this be resolved by the General Shareholders' Meeting and&#47;or the Board of Directors at the time of issuing shares or convertible bonds. Recovery of voting rights must be resolved at the same time.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 13 bis.        Redeemable shares</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Company may issue shares that are redeemable at the request of the issuing company, the holders of said shares or both, for a nominal amount not exceeding one quarter of the share capital. The resolution of the issue will set the conditions for the exercise of the right of redemption. If the aforementioned right is attributed exclusively to the issuing company, it may not be exercised within three years of the issuance.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Redeemable shares must be fully paid up at the time of subscription.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Redemption of redeemable shares must be charged to profits or free reserves or with the proceeds of a new share issue resolved by the General Meeting or, where appropriate, the </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Board of Directors, for the purpose of financing the redemption transaction. If the redemption of these shares is charged to profits or free reserves, the Company must constitute a reserve for the amount of the nominal value of the redeemed shares. If the redemption is not charged to profits or free reserves or with the issue of new shares, it may only be carried out under the requirements established for the reduction of the share capital by the refund of contributions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 13 ter.        Privileged shares</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Company may issue shares that confer some privilege over ordinary shares under the legally established terms and conditions, complying with the formalities prescribed for amending the Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter Three. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Shareholders</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 14.    General principles</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Shareholders' rights and obligations, their content and scope, limits and conditions, will be governed by the provisions of these Bylaws and, where applicable, by current regulations.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The ownership of one or more shares will imply that the shareholder accepts these Bylaws and the resolutions of the General Shareholders' Meeting and of the Board of Directors, without prejudice to the legally established right to challenge.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">6</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Shareholders, and the Company, waiving their own jurisdiction, are expressly subject to the court jurisdiction pertaining to the Company's registered office for any matters that arise between them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 15.    Shareholders' rights</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The following are rights of the Bank's shareholders, which may be exercised within the terms and conditions and with the limitations set out in these Bylaws&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">The right to participate in the distribution of corporate earnings and any net assets resulting from liquidation, proportionally to the paid-up capital.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The right of pre-emptive subscription in the issuance of new shares or convertible bonds.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">The right to attend General Meetings, in accordance with article 23 of these Bylaws, and to vote at them, except for holders of non-voting shares, and also to challenge corporate resolutions.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The right to call for annual or extraordinary General Meetings, in the terms established by law and these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">The right to examine the annual financial statements, the management report, the proposed allocation of results and the auditor's report, as well as, where appropriate, the consolidated management report and financial statements, in the format and within the time limit provided for in article 29 of these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.59pt">The right to information, pursuant to applicable legislation and these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The right for shareholders or shareholder proxies who have attended the General Shareholders' Meeting, to obtain certification of the resolutions and minutes of General Meetings at any time.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">And in general, any rights that are recognised by legal provision or by the Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 16.    Obligations of shareholders</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The obligations of the shareholders are&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To submit to the Bylaws and to the resolutions of General Meetings, of the Board of Directors and other governing or administrative bodies.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To contribute the portion of capital pending disbursement, when so required.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To accept the Bank's registered office as determining jurisdiction for the resolution of any differences between the shareholder and the Company, waiving the shareholder&#8217;s own jurisdiction for these purposes.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Other obligations laid down by legal provision or by these Bylaws.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><div id="i86abc20c0cd64fbea595a26dd4e3b1c5_87"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">TITLE III </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">CORPORATE BODIES</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 17.    Number</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The supreme bodies responsible for decision-making, representation, administration, supervision and management of the Company are the General Shareholders' Meeting and the Board of Directors, and within the Board's scope of powers, the Executive Committee and other Board Committees.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter One. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">The General Shareholders' Meeting</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 18.    The General Meeting as sovereign body</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The General Shareholders' Meeting, legally constituted, is the Company's sovereign body. Its resolutions, when validly adopted, are binding on all shareholders, including shareholders not attending the General Meeting and those shareholders who voted against resolutions, did not have a vote or abstained from voting.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 19.    Categories of General Meetings</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">General Shareholders' Meetings may be annual or extraordinary. The Annual General Meeting, called as such, will necessarily meet within the first six months of each financial year to approve, where necessary, the corporate management and the financial statements for the previous financial year and resolve on the allocation of results. It will also be able to resolve on any other matters on the agenda or allowed by law, within the scope of its powers, provided that the General Shareholders' Meeting is constituted with the number of shareholders and the percentage of capital required by law or the Bylaws in each case.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any General Meeting other than the one provided for in the previous paragraph will be considered an extraordinary General Meeting.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 20.    Calling of Meetings</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">General Shareholders' Meetings will be called at the initiative of the Company's Board of Directors whenever it deems it necessary or advisable for the corporate interest, and in any case on the dates or within the periods determined by law and these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors must also call a General Meeting if requested by one or more shareholders representing at least three percent of the share capital, expressly stating the matters to be covered. In this event, the General Meeting must be called so that it is held within the legally established period from the date on which the Board of Directors is served duly attested notice to call it. The agenda must include the matters to which the request referred.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Likewise, in the period and form established by law, shareholders representing at least three percent of the share capital may request the publication of a supplement to the calling of an Annual General Shareholders' Meeting, including one or more items on the agenda in the call, provided that the new items are accompanied by substantiation or, as appropriate, a substantiated proposed resolution, and submit substantiated proposals for resolutions on matters already included or that should be included in the agenda of a General Shareholders' Meeting already called.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 21.    Notice of the calling and format of the Meeting </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Annual and extraordinary General Meetings must be called, within the notice period required by law, by means of a notice published in the Official Gazette of the Companies Registry (BORME) or one of the highest-readership daily newspapers in Spain, and be published on the National Securities Market </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">8</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Commission (Comisi&#243;n Nacional del Mercado de Valores) website and the Company website, except when legal provisions establish other media for disseminating the notice.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The notice will indicate the date, time and place of the General Meeting at first calling and its agenda, which will contain all the matters that the meeting will cover, and any other references that may be required by law. The date on which the General Meeting will be held at second calling may also be stated in the notice.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">At least twenty-four hours must elapse between the Meetings&#8217; first and second calling.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors may consider the technical means and legal basis that enable and guarantee remote attendance at the General Meeting, and assess, when calling each General Meeting, the possibility of organising attendance at the meeting by remote means.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Additionally, where permitted by law and where extraordinary circumstances so advise, the Board of Directors may resolve to call virtual-only General Meetings, without in-person attendance of shareholders or their proxies, indicating, when calling the meeting, the means and conditions for remote attendance, as envisaged, where applicable, in the law and the General Meeting Regulations. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 22.    Place of the Meeting</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding legal provisions relating to universal General Meetings, General Meetings will be held in the municipal district where the Company has its registered office, on the day indicated in the calling, and their sessions may be extended for one or more consecutive days at the proposal of the Board of Directors or at the request of a number of shareholders representing at least one quarter of the capital present at the General Meeting. General Meetings may also be transferred to a place other than that indicated in the calling, within the same municipal district, with the knowledge of those present, in the event of force majeure. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 23.    Right of attendance </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of 500 or more shares whose ownership is registered in the respective accounting register at least five days before the day on which the General Meeting is scheduled, pursuant to the Securities Exchange Act and other applicable provisions, and who conserve at least that number of shares until the Meeting is held, may attend both annual and extraordinary General Meetings.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of fewer shares may group together to make up at least that number, appointing a representative.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Each shareholder entitled to attend who so requests will be given a personalised attendance card, indicating how many shares they hold.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Executives, managers and staff of the Company and its investee companies may attend. Where deemed appropriate, the Chair of the General Meeting may authorise any other person to attend, though the General Meeting reserves the right to revoke said authorisation.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 24.    Proxies for the General Meeting</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any shareholder entitled to attend may be represented at the General Meeting by another person, who need not necessarily be a shareholder.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Proxy must be conferred specifically for each General Meeting, using the proxy form established by the Company, which will be recorded on the attendance card. A single shareholder may not be represented at the Meeting by more than one proxy, except under the circumstances provided in law for intermediary entities.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Likewise, the proxy may be conferred by means of remote communication that comply with the requirements laid down by law.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">9</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Proxies conferred by a fiduciary or apparent shareholder will be rejected.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 25.    Quorum</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">General Meetings, both annual and extraordinary, will be validly constituted by the minimum quorum of shareholders required by the prevailing legislation in force at any given time for the various matters or business included on the agenda.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The above paragraph notwithstanding, in order to adopt resolutions regarding any change to the corporate purpose, transformation, total spin-off or dissolution of the Company and amendment of the second paragraph of this article, two thirds of the subscribed voting capital must attend the General Meeting on first calling, or 60% of said capital on second calling.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 26.    Chair and Secretary of the General Meeting</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Chair of the Board of Directors will act as Chair of the General Shareholders' Meeting. Should this not be possible, the responsibility will fall upon the Deputy Chair. Should there be several Deputy Chairs, the order established by the Board of Directors at the time of their appointment will be followed. Otherwise, age seniority will prevail. Should none of the above be possible, the Board of Directors will appoint a director to chair the Meeting. The Secretary of the Board of Directors will act as Secretary of the General Meeting. Should this not be possible, the responsibility will fall upon the Deputy Secretary. Should both be absent, the Board of Directors will appoint another Secretary.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 27.    List of attendees</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once the Panel (Mesa), which will comprise the Chair and the Secretary of the Meeting, is constituted, the list of attendees will be drawn up. This will report the number of shareholders in attendance with voting rights, the number attending personally or by proxy, and the percentage of share capital that they all represent. For this task, the Panel may use two scrutineers appointed by the Board of Directors prior to the General Meeting from amongst the shareholders. The list of attendees will be included at the beginning of the Minutes or attached thereto by means of an appendix signed by the Secretary and approved by the Chair. It may also be included in the form of a computer file or other digital medium, in which case the appropriate identification certificate signed by the Secretary and approved by the Chair will be affixed to the sealed cover.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Chair of the Meeting will adjudge whether or not the requirements have been met for the Meeting to be duly constituted, will resolve any doubts, clarifications or complaints relating to the list of attendees, proxies or representatives&#58; examining, accepting or rejecting new proposals on the agenda items, pursuant to prevailing legal provisions&#59; guiding discussions, organising, ordering, limiting and cutting short the contributions. The Chair is generally empowered to take any measures necessary to best organise and run the Meeting.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 28.    Content of Meetings</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Only matters that are specifically indicated in the calling of the Meeting may be dealt with at annual and extraordinary General Shareholders' Meetings, except as provided for by law.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 29.    Shareholders' right to information </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Until the fifth day prior to the Meeting, shareholders may request from the Board of Directors, regarding matters on the agenda, the information or clarification they deem necessary, or submit written questions they deem to be pertinent. Shareholders may also request written clarification on the publicly accessible information that the Company has filed with the National Securities Market Commission since the last General Meeting and concerning the auditor's report. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The directors are obliged to provide the information requested pursuant to the above paragraph, in writing, up until the day on which the General Meeting is held. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">10</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">On the day on which the General Meeting is to be held, shareholders may verbally request any information or clarification they deem appropriate regarding the matters on the agenda, as well as any clarification they deem necessary regarding the publicly accessible information submitted by the Company to the National Securities Market Commission since the last General Meeting and concerning the auditor's report. Should it not be possible to satisfy the shareholder's right to information at that time, the directors will be obliged to provide the requested information, in writing and within seven days following the termination of the Meeting. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Directors will be obliged to provide the information requested under the provisions of this article, unless the information is unnecessary for upholding of the rights of the shareholder, or there are objective reasons to consider that it could be used for non-company purposes or if its release would harm the Company or its associated companies. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No information will be withheld when the request is backed by shareholders representing, at least, one quarter of the share capital.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 30.    Powers of the General Meeting </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The General Shareholders' Meeting is vested with the following powers&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To amend the Bylaws, as well as confirm or rectify the Board of Directors' interpretation thereof. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To determine the number of seats on the Board of Directors, appoint, re-elect and remove its members, as well as ratify or revoke appointments by co-option thereof made by the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To increase or reduce the share capital, conferring authority on the Board of Directors, where appropriate, to specify, within a maximum time frame, in accordance with the law, the date or dates of its implementation. The Board of Directors may make full or partial use of said authority or even refrain therefrom in view of market conditions, circumstances of the Company itself, or a fact or event of social or economic importance that makes the decision advisable, informing of this at the next General Shareholders' Meeting held after the time frame established for its execution has elapsed. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To confer authority on the Board of Directors to increase the share capital in accordance with legal provisions. When the General Meeting confers such authority, it may also grant the power to exclude pre-emptive subscription rights relating to issuances of shares that are subject to such authority, pursuant to the terms and the requirements laid down by law. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To confer authority on the Board of Directors to amend the nominal value of shares representing the share capital, redrafting article 5 of the Bylaws. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.59pt">To issue bonds or other securities that recognise or create debt and are convertible into shares, being also able to confer authority on the Board of Directors to make such issuances as well as exclude or limit pre-emptive subscription rights, all in the terms and under the requirements laid down by law. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To examine and approve the annual financial statements, the proposed allocation of results and the corporate management corresponding to each financial year, as well as, where applicable, the consolidated financial statements. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To appoint, re-elect and dismiss auditors. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:12.2pt">To approve the acquisition, disposal or allocation of essential assets to another company. An asset is presumed essential whenever the amount of the transaction exceeds 25% of the value of the assets that appear in the last approved balance sheet.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:12.2pt">To approve transformation, merger, spin-off, global assignment of assets and liabilities, dissolution and transfer of registered offices abroad. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To approve the transfer to subsidiaries of essential activities carried out until that time by the Company itself, even where the Company retains full control over said subsidiaries. Activities will be presumed essential whenever the volume of the transaction exceeds 25% of the total assets on the balance sheet. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:12.2pt">To approve transactions that are equivalent to the Company's liquidation. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">m.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:6.7pt">To approve the final liquidation balance sheet. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">n.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To approve the directors' remuneration policy in the terms established by law. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">o.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To rule on any other matter reserved for the General Meeting by legal provision or the Bylaws. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">p.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To approve its Regulations and subsequent amendments, in accordance with proposals put forward by the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 31.    Adoption of resolutions</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">At annual and extraordinary General Meetings, resolutions will be adopted with the majorities required by law and these Bylaws. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Each voting share, present or represented at the General Meeting and whether or not paid up, will confer the right to one vote.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Shareholders who are not up to date in the payment of outstanding disbursements will not be entitled to vote, but only in respect of shares for which the outstanding disbursements have not been paid. Nor will holders of non-voting shares be entitled to vote.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">12</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Shareholders may vote by proxy, by post, electronically or by any other means of remote communication, provided that the voter's identity is duly guaranteed, in accordance with the General Meeting Regulations. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors may draw up the appropriate rules, means and procedures to implement voting and the granting of proxy by means of remote communication, complying with the requirements established by law.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 32.    Minutes of General Meetings</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Secretary of the General Meeting will take the minutes of the meeting, which will be recorded in the minutes book, and may be approved by the General Meeting at the end of the meeting or otherwise within fifteen days by the Chair of the General Meeting and two comptrollers from among the shareholders, one representing the majority and one representing the minority.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Corporate resolutions may be implemented from the date of approval of the minutes in which they are recorded.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The minutes of the meeting will be signed by the Secretary and approved by the Chair.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Certified copies of said minutes, once approved, will be signed by the Secretary and, failing this, by the Deputy Secretary of the Board of Directors, and approved by the Chair or, where applicable, the Deputy Chair of the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors may require the presence of a notary public to take the minutes of the meeting.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter Two. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">The Board of Directors</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 33.    Nature</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors is the natural body for the representation, administration, management and oversight of the Company. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 33 bis. Remuneration</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Directors will be remunerated.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Remuneration of directors in such capacity will comprise a fixed annual allocation, which will be distributed by the Board of Directors in the way it so determines, taking into account the conditions applicable to each director and the roles and responsibilities assigned thereto by the Board and their membership of the various Committees, which may result in different remuneration amounts for each director. The Board is also responsible for determining the frequency and method of payment of this allocation, which may include insurance and pension systems established at any given time.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The amount of the annual allocation to the Board of Directors will be the amount determined by the General Meeting, which will remain in force until the General Meeting resolves to amend it, although the Board of Directors may reduce this amount in those financial years in which it deems it appropriate. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition to this allocation, director remuneration may also comprise the delivery of shares or stock options in relation thereto, or amounts indexed to the value of the shares. The application of this form of remuneration will require the approval of the General Meeting, specifying, where appropriate, the number of shares to be delivered, the strike price of the stock options, the value of the shares indexed and the duration of the remuneration system in question.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">13</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Directors who perform executive duties in the Company will be excluded from the remuneration system set out in the preceding paragraphs, and their remuneration is governed by the provisions of article 50 bis of these Bylaws, with the amount and conditions determined by the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 34.    Number and election</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors will consist of at least five members and a maximum of fifteen members, elected by the General Shareholders' Meeting, except as provided for in article 37 of these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The General Shareholders' Meeting will determine the specific number of directors, within the limits indicated.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 35.    Requirements to hold director status</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Membership of the Board of Directors requires directors not to be subject to any of the situations of prohibition or incompatibility laid down by law.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 36.    Term of office and renewal</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The term of office for members of the Board of Directors will be three-year, and directors may be re-elected one or more times for periods of the same maximum duration.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 37.    Vacancies</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If vacancies arise during the term for which the directors were appointed, the Board of Directors may nominate the persons to fill them, submitting their appointment to the first General Meeting after their nomination.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 38.    Chair and Secretary of the Board</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors will appoint a Chair from among its members to be Chair of the Board of Directors, as well as one or more Deputy Chairs. It will also appoint, from among its members, the Chair and Deputy Chair of the Committees referred to in chapter four below.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event that the Chair is absent or otherwise unable to perform their duties, these duties will be performed by the Deputy Chair. If there are several Deputy Chairs, the order established by the Board of Directors at the time of their appointment will be followed. Otherwise, age seniority will prevail.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If there is no Deputy Chair, the corporate body will be chaired by the director that the Board of Directors appoints or has appointed for this purpose.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors will appoint a Secretary from among its members, unless it resolves to allocate these duties to a non-board member. It may also appoint a Deputy Secretary, who will replace the Secretary in the event that they are absent or otherwise unable to perform their duties. In the absence of any of the above, the Board of Directors will determine the substitute in each case.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 39.    Powers of the Chair</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Chair will, in any event, be the Company's highest-ranking representative. In the performance of said role, the Chair will have the following powers, in addition to those attributed by law or by these Bylaws&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To call General Shareholders' Meetings, following a resolution of the Board of Directors, and to chair said meetings.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">14</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To direct the discussions and deliberations of the General Meeting, arranging the order of shareholders' contributions, and establishing the duration of each, in order to facilitate and expedite their contributions.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To call and chair meetings of the Board of Directors, the Executive Committee and other Board Committees of which the Chair is a member.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To draft the agendas for meetings of the Board of Directors, the Executive Committee and Board Committees, and draw up proposed resolutions to be submitted thereto.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:10.37pt">To direct the discussions and deliberations of meetings of the Board of Directors, the Executive Committee and other Committees.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.59pt">To implement the resolutions of the Board of Directors, the Executive Committee and other Committees. For this purpose, the Chair will have the broadest representative powers, without prejudice to any authority conferred on other directors by the corresponding corporate body to such effect.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 39 bis.        Lead Director</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Chair of the Board of Directors is an executive director, the Board of Directors, with the abstention of the executive directors, must appoint a Lead Director from among the independent directors, who will have the powers conferred thereon by law, these Bylaws and the Regulations of the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 40.    Board meetings and calling</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors will meet whenever the Chair or the Executive Committee deems it appropriate, or at the request of the Lead Director or of at least one quarter of the directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Meetings of the Board of Directors will be called by the Chair or, when this is not possible, the Deputy Chair. If the aforementioned individuals are absent or otherwise unable to perform these duties, the Board of Directors will be called by the oldest director.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, directors constituting at least one third of the Board members may call a meeting, specifying the agenda thereof, to be held in the municipal district where the registered offices are located if, within one month of being so requested, the Chair has failed to call a meeting without due cause.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 41.    Quorum and adoption of resolutions</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors will be validly constituted when the majority of its members are present or represented at the meeting.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Resolutions will be adopted by an absolute majority of votes, present or represented, except as provided for in articles 45 and 49 of these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 42.    Proxy to attend Board meetings</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">A director not attending a meeting may grant proxy to another director. However, non-executive directors may only grant proxy to other non-executive directors.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">15</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 43.    Powers of the Board</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors will have the broadest powers of representation, administration, management and oversight, as well as to execute all manner of acts and enter into contracts relating to ownership and administration. In particular, its powers will include but are not limited to&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To carry out all operations that, in accordance with article 3 of these Bylaws, constitute the corporate purpose or help to achieve said purpose.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To resolve to call the General Shareholders' Meeting, without prejudice to the provisions of articles 20 and 39 a) of these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To draft and propose the following for approval by the General Meeting&#58; the annual financial statements, the management report and the proposed allocation of results, as well as, where appropriate, the consolidated financial statements and management report for each financial year.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To implement the resolutions of the General Meeting and designate, where appropriate and in accordance with legal requirements, the persons who are to formalise the corresponding public or private documents.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To interpret the Bylaws and rectify any omissions, in particular with regard to the article concerning corporate purpose, and notify the General Meeting of any resolutions adopted, where applicable.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To resolve on the creation, cancellation, relocation, transfer and other acts and operations relating to the Company's offices, branches and representative offices, both in Spain and abroad.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To approve the Company's internal regulations, with the power to amend them.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To establish administrative expenses and establish or agree on the ancillary services that it deems necessary or advisable.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">To resolve on the distribution of interim dividends to shareholders, before the respective financial year has ended or before the annual financial statements have been approved, in accordance with the prevailing legislation.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">10.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To appoint and dismiss Bank employees, establishing their salaries and bonuses.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">11.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To determine the general conditions for discounts, loans and escrow deposits&#59; approve any risk operations it deems appropriate&#59; and resolve any issues arising from the Bank's activities.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">16</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">12.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To represent the Bank before state, regional, provincial, municipal authorities and bodies, public-sector entities, trade unions, public-law corporations, companies and individuals, and before ordinary and special courts and tribunals. It may file and defend suits, enforce rights, lodge claims and appeals of any kind to which the Bank is entitled, and abandon them when it deems fit.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">13.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To acquire, possess, dispose of, mortgage and encumber any type of real estate, rights in rem of any kind and, in relation to said property and rights, to perform any civil, commercial and administrative acts and contracts, without exception, including the constitution, modification and cancellation of mortgages and other rights in rem, as well as the assignment, purchase and transfer of assets and&#47;or liabilities of the Company.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">14.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To acquire, divest, swap, transfer, encumber, subscribe, offer any categories of moveable goods, securities, shares, bonds, make public bids to sell or acquire securities, and holdings in all kinds of companies and enterprises.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">15.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To establish companies, associations, foundations, subscribing shares and&#47;or holdings, providing all categories of goods, and entering into contracts for mergers and cooperation of enterprises and&#47;or businesses.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">16.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To give and receive loans and&#47;or credit. These may be senior or secured with any kind of collateral, including mortgage.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">17.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To guarantee and&#47;or secure Company or third-party obligations of all kinds.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">18.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To reach a settlement regarding all kinds of goods and rights.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">19.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:4.25pt">To delegate all or any powers that are delegable pursuant to prevailing legislation, and to grant and revoke all kinds of general and special powers of attorney, with or without powers of substitution.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 44.    Minutes of Board meetings</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once the minutes of the Board meetings are approved, they will be signed by the Secretary and approved by whomsoever chaired the meeting.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Certified copies of said minutes, once approved, will be signed by the Secretary and, failing this, by the Deputy Secretary of the Board of Directors, and approved by the Chair or, where applicable, the Deputy Chair.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">17</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter Three. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">The Executive Committee</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 45.    Creation and composition</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors may appoint an Executive Committee with the favourable vote of two thirds of its members and the corresponding registration in the Commercial Registry. The Executive Committee will be composed of directors nominated by the Board, whose positions will be renewed according to the timescale, manner and number decided by the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Executive Committee will be chaired by the Chair, who will be an ex-officio member thereof. In the Chair's absence, it will be chaired by the Deputy Chair or Deputy Chairs of the Board of Directors who sit on the Committee, following the order established under article 38 of these Bylaws, and otherwise by the Executive Committee member decided by the Committee. The Board of Directors will appoint a Secretary, who may be a non-board member. In the Secretary's absence, they will be replaced by the person appointed by those attending the respective meeting.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 46.    Meeting and powers</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Executive Committee will meet as often as its Chair or acting chair deems appropriate, or at the request of the majority of its members, to consider those matters entrusted thereto by the Board of Directors, in accordance with the prevailing legislation and these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 47.    Quorum and adoption of resolutions</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The rules of article 41 of these Bylaws concerning the constitution of the Board of Directors and the adoption of its resolutions will be applicable to the Executive Committee.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Minutes and certified copies of the resolutions adopted will be subject to article 44 of these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter Four. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Board Committees</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 48.    Board Committees</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In order to better perform its functions, the Board of Directors may create any committees it deems necessary to assist it in matters corresponding to areas of its responsibility, determining their composition, appointing their members and establishing their functions.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The above notwithstanding, the Board of Directors must always have at least one permanent Audit Committee, Appointments Committee, Remunerations Committee and Risk Committee, with the composition and functions established by law, by the Regulations of the Board of Directors and, where applicable, by their own regulations.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Committees will be governed by the provisions of the law, by the Regulations of the Board of Directors and, where applicable, by their specific regulations, which must be approved by the Board of Directors and, supplementary thereto, in as far as they are not incompatible with their nature, by the provisions relating to the operation of the Board of Directors.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">18</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Chapter Five. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">The Chief Executive Officer and the General Management</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 49.    The Chief Executive Officer</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors may, with the favourable vote of two thirds of its members, appoint from among its members one or more Chief Executive Officers, with the powers that it deems appropriate and delegable, in accordance with the legal provisions and these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 50.    General Management</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Board of Directors may set up one or more general management departments and nominate General Managers to operate them with the powers and duties determined by the Board of Directors.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 50 bis.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Directors who have been assigned executive duties in the Company, whatever the nature of their legal relationship with the Company, will be entitled to receive remuneration for providing these services. This will consist of&#58; a fixed amount, in line with the services and responsibilities undertaken, and a variable supplement and any reward schemes established in general for the Bank's Senior Management. These may comprise delivery of shares or stock options in relation thereto, or amounts indexed to the value of the shares, subject to any requirements established by prevailing legislation. The remuneration also includes a welfare portion, which will include suitable pension and insurance systems and social security. In the event that a director leaves their role and this is not due dereliction of duties, they will be entitled to compensation.</font></div><div id="i86abc20c0cd64fbea595a26dd4e3b1c5_103"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">TITLE IV </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">FINANCIAL YEAR AND ALLOCATION OF RESULTS</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 51.    Duration of the financial year</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Financial years will be annual and will coincide with the calendar year, closing on 31 December of each year.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 52.    Annual financial statements</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The annual financial statements and other accounting documents to be submitted for approval by the Annual General Shareholders' Meeting will be prepared in accordance with the scheme laid down by the provisions in force applicable to banking institutions.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The annual financial statements, the management report, the result allocation proposal and the auditor's report, as well as, where applicable, the consolidated financial statements and management report, will be published in the way determined by the provisions in force and by these Bylaws.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 53.    Allocation of results</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The General Meeting will resolve on the allocation of results from the financial year in question, in accordance with the approved balance sheet.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once the reserves stipulated by law or by these Bylaws have been covered, dividends may be distributed to shareholders, charged to the profit for the financial year or to the freely available reserves, in proportion to the paid up capital, provided that the value of the net equity is not, or would not be as a result of the distribution, less than the share capital.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:89.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Banco Bilbao Vizcaya Argentaria, S.A. Company Bylaws</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">19</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 53 bis.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The General Meeting may resolve to distribute dividends (either charged to the profit for the financial year or to the freely available reserves) or the share premium, in kind, provided that the goods or securities subject to distribution are homogeneous and sufficiently liquid or liable to be liquidated. This condition will be presumed to have been met when securities are listed or are going to be listed for trading on a regulated market.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The regulation contained in the preceding paragraph will also apply to the return of contributions in the event of a share capital reduction.</font></div><div id="i86abc20c0cd64fbea595a26dd4e3b1c5_94"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">TITLE V </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">DISSOLUTION AND LIQUIDATION OF THE COMPANY</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 54.    Grounds for dissolution</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Company will be dissolved under the circumstances laid down by prevailing legislation.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 55.    Appointment of liquidators</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once a resolution has been adopted to dissolve the Company, the General Meeting will appoint the liquidators. In addition to the powers expressly vested in them by prevailing law, they will have any other powers the General Meeting resolves to confer upon them. The General Meeting will determine the rules the liquidators must follow in apportioning the Company's assets and in approving the financial statements of the liquidation until final settlement is reached.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 56.    Liquidation phase</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once a resolution has been adopted to dissolve the Company, the liquidation period will commence. Although the Company will retain its legal status, the directors and other representatives will cease to have powers to enter into new contracts and contract new obligations, and the liquidators will take over the duties attributed to them by law.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Liquidation of the Company will be carried out in compliance with prevailing legal provisions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Article 57.    Distribution of corporate assets</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Until all the obligations are discharged, corporate assets may not be delivered to shareholders unless a sum equivalent to the amount of the outstanding obligations has been reserved and placed in escrow for the creditors.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">*         *         *</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.262%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #808080;border-left:1pt solid #808080;border-right:1pt solid #808080;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center;text-indent:-10.6pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">This English version is a translation of the original in Spanish for information purposes only.</font></div><div style="text-align:center;text-indent:1.3pt"><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">In the event of discrepancy, the Spanish original will prevail</font><font style="color:#121212;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:115%">.</font></div></td></tr></table></div></div></div></body></html>
</TEXT>
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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>3
<FILENAME>exhibit21.htm
<DESCRIPTION>EX-2.1
<TEXT>
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<title>Document</title></head><body><div id="i8c557c4fb6934a55baab6dae64042625_1"></div><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Exhibit 2.1</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">DESCRIPTION OF REGISTERED SECURITIES OF BBVA</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">This exhibit describes each class of securities of BBVA that was registered under Section 12 of the Exchange Act as of December 31, 2022. For purposes of this exhibit, except as otherwise expressly provided or unless the context requires otherwise, all terms used but not defined in this exhibit which are defined in BBVA&#8217;s annual report on Form 20-F for the year ended December 31, 2022 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Annual Report</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), shall have the meanings assigned to them in the Annual Report.</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">DESCRIPTION OF BBVA ORDINARY SHARES</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The following summary describes the material considerations concerning the capital stock of BBVA and briefly describes the material provisions of BBVA&#8217;s bylaws (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">estatutos</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) and relevant Spanish law. This summary does not include all the provisions of such bylaws and is qualified in its entirety by reference to the detailed provisions thereof. A copy of BBVA&#8217;s bylaws is incorporated as Exhibit 1.1 to the Annual Report. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">General</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All rights and obligations of BBVA&#8217;s shareholders are contained in BBVA&#8217;s bylaws and in Spanish law. In addition, pursuant to Royal Decree 84&#47;2015 of February 13, implementing Law 10&#47;2014, amendments of the bylaws of a bank are subject to notice or prior authorization of the Bank of Spain. Other requirements to amend our bylaws are discussed under &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Attendance and Voting at Shareholders&#8217; Meeting</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As of December 31, 2022, BBVA&#8217;s paid in share capital was &#8364;2,954,757,116.36, represented by a single class of 6,030,116,564 ordinary shares, each with par value of &#8364;0.49 per share and all having the same rights.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Our shareholders have delegated to the Board of Directors the authority to issue up to 3,333,943,290 new ordinary shares (equal to half of BBVA&#8217;s share capital on March 18, 2022, the date of the authorization). The Board of Directors is authorized to exclude preemptive rights, in whole or in part, pursuant to the applicable provisions of the Spanish Companies Act. The power to exclude preemptive rights is limited,  such that the nominal amount of any share capital increases resolved or effectively carried out with the exclusion of preemptive subscription rights in use of this authority and those that may be resolved or carried out to cover the conversion of convertible issuances that may equally be made with the exclusion of preemptive subscription rights in use of the authority described below may not exceed the nominal maximum overall amount of 10% of the Bank&#8217;s share capital at the date of the authorization (equal to 666,788,658 new ordinary shares). The Board&#8217;s authorization to issue new ordinary shares expires on March 18, 2027.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, our shareholders have delegated to the Board of Directors, for a period of five years, the authority to issue securities convertible into newly issued ordinary shares other than contingent convertible securities (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">CoCos</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) up to the maximum overall amount of six billion euros (&#8364;6,000,000,000) or its equivalent in any other currency, delegating in turn the power to exclude preemptive subscription rights. However, this power is limited, such that the nominal amount of any share capital increases resolved or effectively carried out to cover the conversion of convertible issuances that may equally be made with the exclusion of preemptive subscription rights in use of this authority and those capital increases that may be resolved or carried out with the exclusion of preemptive subscription rights in use of the authority described above may not exceed the nominal maximum overall amount of 10% of the Bank&#8217;s share capital. The Board&#8217;s authorization to issue securities convertible into newly issued ordinary shares other than CoCos expires on March 18, 2027.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Finally, our shareholders have delegated to the Board of Directors, for a period of five years,  the authority to issue securities convertible into newly issued ordinary shares whose conversion is contingent and which is intended to meet regulatory requirements for their eligibility as capital instruments, in accordance with the solvency regulations applicable from time to time (CoCos), up to the maximum overall amount of eight billion euros (&#8364;8,000,000,000) or its equivalent in any other currency. The Board of Directors is authorized to exclude preemptive rights, in whole or in part, pursuant to the applicable provisions of the Spanish Companies Act. The Board of Directors&#8217; authorization to issue securities convertible into newly issued ordinary shares expires on April 20, 2026.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">At the annual general shareholders&#8217; meeting of BBVA, to be held on March 17, 2023, BBVA shareholders will vote on a proposal to approve a reduction of BBVA&#8217;s share capital by up to 10% of BBVA&#8217;s share capital as of the date of such resolution, corresponding to 603,011,656 ordinary shares, with a nominal value of &#8364;0.49 each, subject to obtaining, where appropriate, the corresponding regulatory authorizations. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Non-residents of Spain may hold and vote ordinary shares subject to the general restrictions set forth below. See &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Exchange Controls and Restrictions on Foreign Investments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Restrictions on Acquisitions of Ordinary Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Registry and Company&#8217;s Objects and Purpose </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA is registered with the Commercial Registry of Bizkaia (Spain). Its registration number at the Commercial Registry of Bizkaia is volume 2,083, Company section folio 1, sheet BI-17-A, 1st entry. Its corporate purpose is to carry out all kinds of activities, operations, acts, contracts and services within the banking business or directly or indirectly related to it, which are permitted or not prohibited by the provisions in force and supplementary activities. Its corporate purpose also includes the acquisition, possession, use and disposal of securities, public offering of acquisition and sale of securities, as well as all types of holdings in any entity or company. BBVA&#8217;s corporate purpose is contained in Article 3 of BBVA&#8217;s Bylaws.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Attendance and Voting at Shareholders&#8217; Meetings </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Each ordinary share entitles the shareholder to one vote. Ordinary shares that are not paid up in full are not entitled to vote, or to receive distributions of dividends or preemptive subscription rights. As of the date of this Annual Report, all ordinary shares were fully paid up. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any ordinary share may be voted by proxy. Any shareholder who is entitled to attend a general shareholders&#8217; meeting may be represented at such general shareholders&#8217; meeting by another person, who need not necessarily be a shareholder. Proxies are valid for ordinary (also referred to as &#8220;annual&#8221;) general shareholders&#8217; meetings and extraordinary general shareholders&#8217; meetings and, except with respect to general powers of attorney, must be granted specifically with respect to each general shareholders&#8217; meeting. A single shareholder may not be represented at a general shareholders&#8217; meeting by more than one proxy, except under the circumstances provided in the law for intermediary entities. Our bylaws do not contain provisions related to cumulative voting.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Shareholders&#8217; Meetings </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Pursuant to BBVA&#8217;s bylaws and to the Spanish Companies Act, general meetings of shareholders of BBVA may be ordinary or extraordinary.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Pursuant to the Spanish Companies Act, ordinary general shareholders&#8217; meetings shall necessarily be held within the first six months of each fiscal year, at which shareholders are requested to approve the annual accounts of the previous fiscal year, the corporate management for the previous fiscal year and the application of BBVA&#8217;s net income or loss. Other matters may also be voted on by shareholders during the ordinary general shareholders&#8217; meetings if such items are included on the agenda or are allowed by law. Any other meetings of shareholders are considered to be extraordinary general shareholders&#8217; meetings. Extraordinary general shareholders&#8217; meetings may be called from time to time by the BBVA Board of Directors at its discretion. The BBVA Board of Directors will call extraordinary general shareholders&#8217; meetings when (i) it believes such meetings to be necessary or advisable for BBVA&#8217;s interests, (ii) required by law or BBVA&#8217;s bylaws, or (iii) requested by shareholders representing at least 3% of BBVA&#8217;s share capital.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Shareholders representing at least 3% of the share capital of BBVA have the right to request the publication of a supplemental notice including one or more additional agenda items to the ordinary general shareholders&#8217; meeting and to add new resolution proposals to the agenda of any general shareholders&#8217; meeting, within the first five days following the publication of the agenda.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">A universal shareholders&#8217; meeting, at which 100% of the share capital is present or duly represented, is considered valid even if no notice of such meeting was given, and, with unanimous agreement, shareholders may consider any matter at such a meeting.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Convening Notice </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">According to BBVA&#8217;s bylaws and the Spanish Companies Act, notices of all BBVA general shareholders&#8217; meetings must be published (i) in the Official Gazette of the Commercial Registry (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Bolet&#237;n Oficial del Registro Mercantil</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) or in a widely circulated newspaper in Spain, (ii) on BBVA&#8217;s webpage and (iii) on the webpage of the CNMV, at least one month prior to the date of the meeting or with the minimum prior notice period required by the Spanish Companies Act from time to time. The notice must indicate the date, time and place of the meeting on the first convening and all the matters to be considered at the meeting, along with other information required by the Spanish Companies Act. The notice may also include the date on which the meeting should be held on the second convening. At least twenty-four hours must elapse between the meeting on the first convening and the meeting on the second convening.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Place of Meeting </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding legal provisions relating to universal General Meetings and in accordance with BBVA&#180;s bylaws, general shareholders&#8217; meetings must be held in Bilbao, Spain, where BBVA has its registered office, on the date indicated in the convening notice. A universal shareholders&#8217; meeting, at which 100% of the share capital is present or duly represented, may take place anywhere in the world.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Right of Attendance </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The owners of 500 or more ordinary shares which are duly registered in the book-entry record for ordinary shares at least five days prior to the date of the general shareholders&#8217; meeting and who continue to hold such shares until the date of the meeting are entitled to attend. The holders of fewer than 500 ordinary shares may aggregate their shares by proxy to represent at least 500 ordinary shares and appoint a representative for the meeting.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Quorums </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Under BBVA&#8217;s bylaws and the Spanish Companies Act, except as set forth below, general shareholders&#8217; meetings will be duly constituted on the first convening if BBVA shareholders holding at least 25% of the voting share capital are present or represented by proxy. On the second convening of a general shareholders&#8217; meeting, there is no quorum requirement.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">3</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding the above, according to the Spanish Companies Act certain special events require a quorum of shareholders, present or represented by proxy, holding at least 50% of the voting share capital on first convening of the general shareholders&#8217; meeting and no less than 25% of the voting share capital on the second convening of the general shareholders&#8217; meeting. Those special events include the adoption of resolutions concerning the following&#58; (i) increases or decreases in capital&#59; (ii) in general, any modification of the bylaws&#59; (iii) issuances of bonds (not applicable to BBVA except with respect to convertible bonds)&#59; (iv) limitation or suppression of the preemptive rights to subscribe for new shares&#59; (v) transformations, mergers, spin-offs and assignments of assets and liabilities&#59; and (vi) the transfer of the registered office abroad.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Additionally, BBVA&#8217;s bylaws also require the presence, in person or represented by proxy, of two-thirds of the voting share capital on first convening or 60% of the voting share capital on the second convening, at general shareholders&#8217; meetings in order to adopt resolutions that concern&#58; (i) the change of the corporate purpose&#59; (ii) the transformation of BBVA&#8217;s legal status&#59; (iii) a full spin-off&#59; (iv) the dissolution of BBVA&#59; or (v) the amendment of the second paragraph of Article 25 of BBVA&#8217;s bylaws, which establishes this stricter quorum requirement. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Under Spanish law, the rights of shareholders may only be changed by an amendment to the bylaws that complies with the requirements described herein and under &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8212;Attendance and Voting at Shareholders&#8217; Meetings</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Adoption of Resolutions and Majorities </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the higher vote requirements described in the following paragraphs, the adoption of resolutions requires a simple majority vote at the general shareholders&#8217; meeting, meaning that a resolution is adopted when the favorable votes exceed the votes against the adoption of the resolution.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The adoption of resolutions concerning the following&#58; (i) increases or decreases in capital&#59; (ii) in general, any modification of the bylaws&#59; (iii) issuances of bonds (not applicable to BBVA except with respect to convertible bonds)&#59; (iv) limitation or supression of the preemptive rights to subscribe for new shares&#59; (v) transformations, mergers, spin-offs and assignments of assets and liabilities&#59; and (vi) the transfer of the registered office abroad, shall require the favorable vote of (a) a majority of the share capital present or represented at the meeting if such share capital present or represented exceeds 50% of the total share capital, or (b) if the share capital present or represented by proxy on the second convening constitutes less than 50% but more than 25% of the total share capital, the approval of two-thirds of the share capital present or represented by proxy at such meeting. In addition, the adoption of resolutions that require special quorums according to our bylaws require a favorable vote of a majority of the share capital present or represented. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Validly adopted resolutions are binding on all the shareholders, including those who were absent, dissented or abstained from voting.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any resolution adopted at the general shareholders&#8217; meeting that is contrary to Spanish law, to the bylaws or to the general shareholders&#8217; meeting regulations, or that are deemed detrimental to BBVA&#8217;s interests to the benefit of one or more shareholders or third parties can be contested. Any director, any third party who proves a legitimate interest, and any shareholder who acquired such status before the resolution was adopted, as long as they represent at least 0.1% of the share capital of BBVA, may contest corporate resolutions. If the resolution is contrary to public order, it can be contested by any director, third party or any shareholder, even if he or she acquired such status after the resolution was adopted.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Appointment of Directors </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Pursuant to our bylaws, our board of directors includes a minimum of 5 and a maximum of 15 directors who are elected by the general shareholders&#8217; meeting (other than as described in the following paragraph regarding co-opted directors). Directors are appointed for a term of three years, and may be re-elected one or more times for successive terms not exceeding three years. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">4</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Under the Spanish Companies Act, in the event of a vacancy on the BBVA Board of Directors, a shareholder or group of shareholders that owns an aggregate number of ordinary shares equal to or greater than the result of dividing the total capital stock by the number of directors on the BBVA Board of Directors, has the right to appoint a corresponding proportion of the directors (rounded down to the nearest whole number) to the Board of Directors. Shareholders who exercise the right to appoint directors in accordance with the above may not vote on the appointment of other directors to the BBVA Board of Directors. Under the Spanish Companies Act, the BBVA Board of Directors may also designate directors by interim appointment to fill vacancies (co-option). If a director has been co-opted, such director will have a term of office ending on the first general shareholders&#8217; meeting held following such co-option. The general shareholders&#8217; meeting may then ratify such director&#8217;s appointment for the term of office remaining of the director whose vacancy has been covered through co-option, or appoint such director for the term of office established under our bylaws (currently, three years).</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Under Spanish law, any new directors shall comply with the suitability criteria set forth in, among other applicable legislation, Law 10&#47;2014, Royal Decree 84&#47;2015, of February 13 and Bank of Spain Circular 2&#47;2016, of February 2.</font></div><div style="margin-bottom:12pt;text-indent:-4.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Preemptive Rights </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Pursuant to the Spanish Companies Act, shareholders have preemptive rights to subscribe for (i) new ordinary shares issued in the context of a capital increase involving cash contributions (except where the capital increase is due to the conversion of convertible securities into BBVA ordinary shares, the absorption of another company, or the absorption of all or part of the assets of another company by means of a spin-off of such company) and (ii) securities which are convertible into BBVA ordinary shares. These preemptive rights may be completely or partially excluded in certain circumstances in accordance with the Spanish Companies Act, following a resolution passed at the general shareholders&#8217; meeting (which may, for example, authorize the Board of Directors to exclude preemptive rights). BBVA reserves the right to propose to the general shareholders&#8217; meeting that such preemptive rights be completely or partially excluded in any future issuance of new ordinary shares or securities which are convertible into BBVA ordinary shares.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Dividends and Distributions </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Shareholders have the right to participate in the distribution of corporate earnings. Pursuant to our bylaws, dividends may be paid in cash or in kind.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once the requirements under Spanish law and our bylaws are satisfied, dividends may be distributed and charged to the year&#8217;s profit or unrestricted reserves, provided that the value of BBVA&#8217;s total net assets is not, or as a result of such dividend would not be, less than BBVA&#8217;s share capital. In addition, BBVA must take into account any applicable capital adequacy requirements and any recommendations on payment of dividends, and any other required authorization or restriction that may be applicable. Capital adequacy requirements are applied on both a consolidated and individual basis. See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 4. Information on the Company&#8212; Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 5. Operating and Financial Review and Prospects&#8212;Liquidity and Capital Resources&#8212;Capital</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; of our Annual Report. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">On November 18, 2021, BBVA communicated that its Board of Directors had agreed to modify the Group&#8217;s shareholder distribution policy currently in force, establishing a new policy consisting of an annual distribution of between 40% and 50% of the consolidated ordinary profit of each year, compared to the previous policy of distributing between 35% and 40%. This policy will be implemented through the distribution of an interim dividend for the year and a final dividend, with the possibility of combining cash distributions with share buybacks, all subject to the relevant authorizations and approvals applicable at any given time. For additional information, see &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Dividends</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 8. Financial Information&#8212;Consolidated Statements and Other Financial Information&#8212;Dividends</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; of our Annual Report. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> &#8220;Final&#8221; dividends for a year are proposed by the Board of Directors to be approved by the annual general shareholders&#8217; meeting following the end of the year to which they relate. Additionally, the Board of Directors may approve the payment of &#8220;interim&#8221; dividends on account of the year&#8217;s end profits following the fulfilment of certain requirements under Spanish law, which payment is endorsed by the annual general shareholders&#8217; meeting. Interim and final dividends are payable to shareholders of record on the record date for the dividend payment. Any unclaimed cash dividends revert to BBVA five years after declaration.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, upon a liquidation, shareholders have the right to participate in the distribution of any net assets.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Form and Transfer </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Ordinary shares are registered in book-entry form and are indivisible. Joint holders must nominate one person to exercise their rights as shareholders, though joint holders are jointly and severally (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">solidariamente</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) liable for all obligations arising from their status as shareholders.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Sociedad de Gesti&#243;n de los Sistemas de Registro, Compensaci&#243;n y Liquidaci&#243;n de Valores, S.A. Unipersonal</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Iberclear</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), which manages the clearance and settlement system of the Spanish Stock Exchanges, maintains the central registry of ordinary shares which reflects (i) one or several proprietary accounts which show the balances of the participating entities&#8217; (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">entidades participantes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) proprietary accounts&#59; (ii) one or several general third-party accounts that show the overall balances that the participating entities hold for third parties&#59; (iii) individual accounts opened in the name of the owner, either an individual or legal person&#59; and (iv) individual special accounts of financial intermediaries which use the optional procedure of settlement of orders. Each participating entity, in turn, maintains the detail records of the owners of the shares held in their general third-party accounts.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Transfers of ordinary shares quoted on the Spanish Stock Exchanges must be made by book-entry registry or delivery of evidence of title to the buyer, through or with the participation of a member of the Spanish Stock Exchanges that is an authorized broker or dealer. Transfers of ordinary shares may also be subject to certain fees and expenses.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Reporting Requirements</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As our ordinary shares are listed on the Spanish Stock Exchanges, the acquisition or disposition of ordinary shares by shareholders must be reported within four business days of the acquisition or disposition to BBVA and the CNMV where&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">in the case of an acquisition, the acquisition results in that person or group holding 3% (or 5%, 10%, 15%, 20%, 25%, 30%, 35%, 40%, 45%, 50%, 60%, 70%, 75%, 80% or 90%) of BBVA&#8217;s total voting rights&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">in the case of a disposal, the disposition reduces shares held by a person or group below a threshold of 3% (or 5%, 10%, 15%, 20%, 25%, 30%, 35%, 40%, 45%, 50%, 60%, 70%, 75%, 80% or 90%) of BBVA&#8217;s total voting rights.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The reporting requirements apply not only to the purchase or transfer of shares, but also to those transactions in which, without a purchase or transfer, the proportion of voting rights of an individual or legal entity reaches, exceeds or falls below the threshold that triggers the obligation to report as a consequence of a change in the total number of voting rights of BBVA on the basis of the information reported to the CNMV and disclosed by it.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">6</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Regardless of the actual ownership of the shares, any individual or legal entity with a right to acquire, transfer or exercise voting rights granted by the shares, and any individual or legal entity who owns, acquires or transfers, whether directly or indirectly, other securities or financial instruments which grant a right to acquire shares with voting rights, will also have an obligation to notify the company and the CNMV of the holding of a significant stake in accordance with applicable Spanish regulations. In addition, cash settled instruments creating long positions on underlying listed shares (such as BBVA&#8217;s) shall be disclosed if the specified shareholding thresholds are reached or exceeded. Cash holdings and holdings derived from financial instruments shall be aggregated for disclosure purposes. A disclosure exemption for shareholding positions held by financial entities in their trading books as a result of the securities administration and custody services rendered by such financial entities is available pursuant to Article 33.2 of the Spanish Royal Decree 1362&#47;2007. In the event that the individual or legal entity entering into the relevant transaction is a non-Spanish resident, notice must also be given to the Spanish Registry of Foreign Investments (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Registro de Inversiones Exteriores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of the Ministry of Industry, Trade and Tourism (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Ministerio de Industria, Comercio y Turismo</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">). See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8212;Exchange Controls and Restrictions on Foreign Investment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; for additional information, including on certain temporary measures which have been adopted in connection with foreign direct investments.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the case of individuals or legal entities resident in jurisdictions designated as tax havens or in countries or territories levying no taxes or with which Spain has no effective exchange of tax information, the threshold that triggers the obligation to disclose the acquisition or disposition of shares is reduced to 1% (and successive multiples of 1%).</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Additionally, since BBVA is a credit entity, any person who intends to acquire a significant participation in BBVA&#8217;s share capital must comply with certain obligations imposed by the Bank of Spain. See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8212;Restrictions on Acquisitions of Ordinary Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:115%">Requirements Applicable to Purchases by BBVA and its Directors and Senior Managers </font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Acquisition of Own Shares </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Article 77.1 of CRR establishes that a credit institution (such as BBVA) shall obtain the prior permission from its competent authority (the ECB in the case of BBVA) in order to repurchase its own shares. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Additionally, BBVA is required to report to the CNMV any acquisition by BBVA or any of its affiliates, of BBVA&#8217;s own shares which, together with all other acquisitions since the last notification, reaches or exceeds 1% of BBVA&#8217;s share capital (irrespective of whether any own shares have been sold in the same period). In such circumstances, the notification must be made within four stock exchange business days and include the number of shares acquired since the last notification (detailed by transaction), the number of shares sold (detailed by transaction) and the resulting net holding of treasury shares.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">On February 1, 2023, and in relation with the shareholders distribution for 2022, BBVA announced its intention to execute a 422 million euros share buy-back program, subject to obtaining the corresponding regulatory authorizations and to the communication of the specific terms and conditions of the share buy-back program before its execution.</font></div><div style="margin-bottom:12pt;text-indent:13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Acquisition of Shares by BBVA Directors and Senior Managers </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Each member of the BBVA Board of Directors, as well as persons closely associated to them, shall notify BBVA and the CNMV of every transaction conducted on their own account relating to BBVA shares or debt instruments issued by BBVA or to derivatives or other financial instruments linked thereto, according to Article 19 of Regulation (EU) n.&#186; 596&#47;2014, of the European Parliament and of the Council, of April 16, 2014, on market abuse, within three business days after the date of the transaction. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Senior managers of BBVA, as well as persons closely associated to them, are also subject to the abovementioned reporting rules.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">7</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Net Short Positions </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In accordance with Regulation (EU) No. 236&#47;2012 of the European Parliament and of the Council of March 14, 2012 on short selling and certain aspects of credit default swaps (as further supplemented by several delegated regulations regulating technical aspects necessary for its effective enforceability and to ensure compliance with its provisions), net short positions on shares listed on the Spanish Stock Exchanges (including BBVA shares) equal to, or in excess of, 0.2% of the relevant entity&#8217;s share capital and any increases or reductions thereof by 0.1% are required to be disclosed to the CNMV. If the net short position reaches 0.5%, and also at every 0.1% above that, the CNMV will disclose the net short position to the public.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In response to COVID-19, on March 16, 2020, the European Securities and Markets Authority (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">ESMA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) lowered the aforementioned threshold from 0.2% to 0.1%, requiring net short position holders to report positions of 0.1% and above. This measure was renewed on September 18, 2020 and on December 17, 2020 until March 19, 2021. The European Commission adopted the decision to permanently lower the threshold from 0.2% to 0.1% on September 27, 2021, which decision was published in the Official Journal on January 11, 2022. Additionally, in line with other European supervisors, on March 16, 2020, the CNMV banned net short positions in shares admitted to trading to Spanish trading venues for which the CNMV is the competent authority as well as to all related instruments relevant for the calculation of the net short position. The CNMV ban became ineffective on May 18, 2020.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The notification or disclosure mentioned above shall be made not later than at 15&#58;30 (CET) on the trading day following the day when the relevant threshold was reached, exceeded or fallen below.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notification is mandatory even if the same position has already been notified to the CNMV in compliance with transparency obligations previously in force.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The information to be disclosed is set out in Table 1 of Annex I of Delegated Regulation 826&#47;2012, according to the format approved as Annex II of such Regulation. The information will be published, where appropriate, on a web page operated or supervised by the CNMV.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Moreover, pursuant to Regulation 236&#47;2012, where the CNMV considers that (i) there are adverse events or developments that constitute a serious threat to financial stability or to market confidence (for example, serious financial, monetary or budgetary problems, which may lead to financial instability or unusual volatility causing significant downward spirals in any financial instrument)&#59; and (ii) the measure is necessary and will not be disproportionately detrimental to the efficiency of financial markets in view of the advantages sought, it may, following consultation with the ESMA, take any one or more of the following measures&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">impose additional notification obligations by either (a) reducing the thresholds for the notification of net short positions in relation to one or several specific financial instruments&#59; and&#47;or (b) requesting the parties involved in the lending of a specific financial instrument to notify any change in the fees requested for such lending&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">restrict short selling activity by either prohibiting or imposing conditions on short selling.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, according to Regulation 236&#47;2012, where the price of a financial instrument has fallen significantly during a single day in relation to the closing price on the previous trading day (10.0% or more in the case of a liquid share such as a BBVA share), the CNMV may prohibit or restrict short selling of financial instruments for a period not exceeding the end of the trading day following the trading day on which the fall in price occurs.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Finally, Regulation 236&#47;2012 also vests powers to ESMA in order to take measures similar to the ones described above in exceptional circumstances, when the purpose of these measures is to deal with a threat affecting several European Union member states and the competent authorities of these member states have not taken adequate measures to address it.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">8</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Change of Control Provisions and Tender Offers </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Certain antitrust regulations may delay, defer or prevent a change of control of BBVA in the event of a merger, acquisition or corporate restructuring. In Spain, the application of both Spanish and European antitrust regulations requires that prior notice of domestic or cross-border merger transactions be given in order to obtain a &#8220;non-opposition&#8221; ruling from antitrust authorities.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Spanish regulation of takeover bids may also delay, defer or prevent a change of control of BBVA or any of its subsidiaries in the event of a merger, acquisition or corporate restructuring. Royal Legislative Decree 4&#47;2015, of October 23, approving the Consolidated Text of the Securities Market Act and Royal Decree 1066&#47;2007 set forth the Spanish rules governing takeover bids. In particular&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">a bidder must make a tender offer in respect of 100% of the issued share capital of a target company if&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">it acquires an interest in shares which (taken together with shares in which persons acting in concert with it are interested) carry 30% or more of the voting rights of the target company</font></div><div style="margin-bottom:12pt;padding-left:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">if this threshold is reached by an acquiring shareholder due to a variation of the total number of voting rights of a target company which has issued loyalty shares in the terms described in article 527 ter et seq. of the Spanish Companies Act, the acquiring shareholder is entitled not to make such tender offer in case it sells the shares necessary to fall below such 30% threshold in the subsequent three months, such acquiring shareholder waives its loyalty voting rights exceeding such 30% threshold or obtains a waiver issued by the CNMV&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">it acquires an interest in shares which (taken together with shares in which persons acting in concert with it are interested) carry less than 30% of the voting rights but enable the bidder to appoint a majority of the members of the target company&#8217;s board of directors&#59; or</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">it held 30% or more but less than 50% of the voting rights of the target company on the date the law came into force, and subsequently&#58;</font></div><div style="margin-bottom:12pt;padding-left:126pt;text-indent:-18pt"><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#9642;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.78pt">acquires, within 12 months, an additional interest in shares which carries 5% or more of such voting rights&#59;</font></div><div style="margin-bottom:12pt;padding-left:126pt;text-indent:-18pt"><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#9642;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.78pt">acquires an additional interest in shares so that the bidder&#8217;s aggregate interest carries 50% or more of such voting rights&#59; or</font></div><div style="margin-bottom:12pt;padding-left:126pt;text-indent:-18pt"><font style="color:#000000;font-family:'Wingdings',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#9642;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.78pt">acquires an additional interest in shares which enables the bidder to appoint a majority of the members of the target company&#8217;s board of directors&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">if a bidder&#8217;s actions do not fall into the categories described above, such acquisition may qualify as an &#8220;a priori&#8221; or partial tender offer (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">i.e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, in respect of less than 100% of the issued share capital of a target company), in which case such bidder would not be required to make a tender offer in respect of 100% of the issued share capital of a target company&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">the board of directors of a target company is exempt from the rule prohibiting certain board interference with a tender offer (the &#8220;passivity rule&#8221;), provided that (i) it has been authorized by the general shareholders&#8217; meeting to take action or enter into a transaction which could disrupt the offer, or (ii) it has been released from the passivity rule by the general shareholders&#8217; meeting vis-&#224;-vis bidders that are not domiciled in Spain and whose boards of directors are not subject to an equivalent passivity rule&#59;</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">9</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">defensive measures included in a listed company&#8217;s bylaws and transfer and voting restrictions included in agreements among a listed company&#8217;s shareholders will remain in place whenever the company is the target of a tender offer unless the general shareholders&#8217; meeting resolves otherwise (in which case any shareholders whose rights are diluted or otherwise adversely affected may be entitled to compensation)&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">if, as a result of a tender offer in respect of 100% of the issued share capital of a target company, the bidder acquires an interest in shares representing at least 90% of the voting rights of the target company and the offer has been accepted by investors representing at least 90% of the voting rights of the target company (provided such voting rights are distinct from those already held by the bidder), the bidder may force the holders of the remaining share capital of the company to sell their shares. The minority holders shall also have the right to force the bidder to acquire their shares under these same circumstances.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As further described below in &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8212;Restrictions on Acquisitions of Ordinary Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, since BBVA is a bank, it is necessary to obtain approval from the Bank of Spain in order to acquire a number of shares considered to be a significant participation under Law 10&#47;2014. Also, any agreement that contemplates BBVA&#8217;s merger with another credit entity requires the authorization of the Ministry of Economic Affairs and Digital Transformation (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Ministerio de Asuntos Econ&#243;micos y Transformaci&#243;n Digital</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">). This could delay, defer or prevent a change of control of BBVA or any of its subsidiaries that are credit entities in the event of a merger.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Exchange Controls and Restrictions on Foreign Investments </font></div><div style="margin-bottom:12pt;padding-left:9.35pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Exchange Controls</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In 1991, Spain adopted the EU Standards for free movement of capital and services. As a result, foreign investors may transfer invested capital, capital gains and dividends out of Spain without limitation as to amount, subject to applicable taxes. See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 10. Additional Information&#8212;Taxation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; of the Annual Report.   </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Pursuant to Royal Decree 664&#47;1999, of April 23, on the Applicable rules to Foreign Investments, foreign investors may freely invest in shares of Spanish companies except in the case they fall within the scope of article 7 bis of Law 19&#47;2003, enacted in March 2020, Sole Transitional Provision of Royal Decree-Law 34&#47;2020, of November 17 (as amended by article 62 of Royal Decree-Law 20&#47;2022, of December 27), or&#8212;only with respect to investments in the defense sector&#8212;article 11 of Royal Decree 664&#47;1999, of April 23. For information on certain additional regulation applicable to foreign direct investments, see &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Restrictions on Foreign Investments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; below. Likewise, Royal Decree 664&#47;1999, of April 23, and Law 19&#47;2003, on exchange controls and foreign transactions, require notification of all foreign investments in Spain and liquidations of such investments upon completion of such investments to the Investments Registry of the Ministry of Economy Affairs and Digital Transformation for administrative statistical and economical purposes. Shares in listed Spanish companies acquired or held by foreign investors must be reported to the Spanish Registry of Foreign Investments by the depositary bank or relevant Iberclear member. When a foreign investor acquires shares that are subject to the reporting requirements of the CNMV regarding significant stakes, notice must be given directly by the foreign investor to the relevant authorities.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Moreover, investments by foreigners domiciled in enumerated tax haven jurisdictions, under Royal Decree 1080&#47;1991, are subject to special reporting requirements.</font></div><div style="margin-bottom:12pt;padding-left:9.35pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Restrictions on Foreign Investments</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Exchange controls and foreign investments are regulated under Law 19&#47;2003, of July 4 (&#8220;Law 19&#47;2003&#8221;), as amended pursuant to Royal Decree-Law 8&#47;2020, of March 17, Royal Decree-Law 11&#47;2020, of March 31 and Royal Decree-Law 34&#47;2020, of November 17. Foreign investments are generally liberalized unless they fall within the scope of article 7 bis of Law 19&#47;2003, enacted in March 2020, Sole Transitional Provision of Royal Decree-Law 34&#47;2020, of November 17, or&#8212;only with respect to investments in the defense sector&#8212;article 11 of Royal Decree 664&#47;1999, of April 23.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Article 7 bis of Law 19&#47;2003 establishes a screening mechanism for certain investments made by non-EU and non-EFTA residents (&#8220;foreign investors&#8221;), based on public order, public health and public security reasons (the &#8220;Screening Mechanism&#8221;). The Screening Mechanism aligns part of the Spanish foreign investment legal framework with Regulation (EU) 2019&#47;452 of March 19, 2019 establishing a framework for the screening of foreign direct investments into the European Union. Certain provisions of Regulation (EU) 2019&#47;452&#8212;such as the list of sectors affecting public order and public security or the definition of state-owned enterprises and other similar investors&#8212;are mirrored in the regulations establishing the Screening Mechanism. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, and according to Sole Transitional Provision of Royal Decree-Law 34&#47;2020, of November 17 (as amended first by article 4 of Royal Decree-Law 27&#47;2021, of November 23, and ultimately by article 62 of Royal Decree-Law 20&#47;2022, of December 27), effective November 19, 2020 and until December 31, 2024, the following persons will also be deemed to be foreign investors, provided they invest in listed companies or the investment value exceeds 500 million euros&#8212;for investments in private &#8211; non listed &#8211; companies&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">EU and EFTA residents in countries other than Spain, and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">Spanish residents beneficially owned by EU or EFTA residents in countries other than Spain, that is, those in which a EU or EFTA resident other than in Spain ultimately owns or controls more than 25% of the share capital or voting rights of, or otherwise exercises control over, the Spanish resident.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:20.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Foreign direct investments (&#34;FDI&#34;) are&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">investments that result in a foreign investor reaching a stake of at least 10% of the share capital of a Spanish company&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">any corporate transaction, business action or legal transaction which enables effective participation in the management or control of a Spanish company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Not all foreign direct investments are subject to the Screening Mechanism. Investors are subject to the Screening Mechanism only if they qualify as FDI and the investment is made in one of the critical sectors mentioned in article 7 bis of Law 19&#47;2003, is made pursuant to what is foreseen in Sole Transitional Provision of Royal Decree-Law 34&#47;2020, of November 17, or&#8212;only where the investor is a Non-UE or non-EFTA investor&#8212;by investors that meet certain subjective criteria regardless of the business of the target.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Foreign direct investments by the following &#8220;foreign investors&#8221; are also subject to the Screening Mechanism, regardless of the business of the target&#58; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">Investors directly or indirectly controlled by the government, including state bodies or armed forces, of a non EU&#47;EFTA country. </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">Investors that have already made an investment affecting national security, public order or public health in another EU Member State, including an investment in any of the above-mentioned sectors. </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">Investors subject to ongoing judicial or administrative proceedings for engaging in illegal or criminal activities. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Foreign direct investments by the following non-EU and non-EFTA investors are also subject to the Screening Mechanism, regardless of the business of the target&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">Investors directly or indirectly controlled by a non-EU and non-EFTA government, including state bodies, armed forces or sovereign wealth funds&#59; the possibility of exercising decisive influence as a result of an agreement or through the ownership of shares or interests in another person (directly or indirectly) is deemed to constitute &#8220;control&#8221; for these purposes. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">11</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">Investors that have already made an investment affecting national security, public order or public health in another EU Member State, including an investment in any of the above-mentioned sectors.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">If there is a serious risk that the investor engages in illegal or criminal activities affecting national security, public order or public health in Spain.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Foreign direct investments described above shall be subject to prior administrative authorization granted by the relevant Spanish Authority, in accordance with the administrative conditions established.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition to the above, pursuant to Council Regulation (EU) 2022&#47;318 of February 25, 2022, it shall be prohibited to sell euro denominated transferable securities issued after April 12, 2022 or units in collective investment undertakings providing exposure to such securities, to any Russian national or natural person residing in Russia or any legal person, entity or body established in Russia. This restriction shall not apply to nationals of a Member State or natural persons having a temporary or permanent residence permit in a Member State.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">See also &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Restrictions on Acquisitions of Ordinary Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; below.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Restrictions on Acquisitions of Ordinary Shares </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s bylaws do not provide any restrictions on the ownership of ordinary shares. Because BBVA is a Spanish bank, however, the acquisition or disposition of a significant participation of BBVA shares is subject to certain restrictions. Such restrictions may impede a potential acquirer&#8217;s ability to acquire BBVA shares and gain control of BBVA. See also &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Exchange Controls and Restrictions on Foreign Investments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Pursuant to Law 10&#47;2014, any individual or corporation, acting alone or in concert with others, intending to directly or indirectly acquire a significant holding in a Spanish financial institution (as defined in Article 16 of Law 10&#47;2014) or to directly or indirectly increase its holding in such way that either the percentage of voting rights or of capital owned were equal to or more than any of the thresholds of 20%, 30% or 50%, or by virtue of the acquisition, might take control over the financial institution, must first notify the Bank of Spain. For the purpose of Law 10&#47;2014, a significant participation is considered to be 10% of the outstanding share capital or voting rights of a financial institution or a lower percentage if such holding allows for the exercise of a significant influence. Secondary legislation will specify when &#8220;significant influence&#8221; exists&#59; in any case, according to Royal Decree 84&#47;2015, of February 13, the capacity to appoint or dismiss a Board member will be considered &#8220;significant influence&#8221;.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of Spain will be responsible for evaluating the proposed transaction, in accordance with the terms established by Law 10&#47;2014 (as stated in Article 18.1 of Law 10&#47;2014) with a view to guaranteeing the sound and prudent operation of the target financial institution. The Bank of Spain will then submit a proposal to the European Central Bank, which will be in charge of deciding upon the proposed transaction in the term of 60 business days after the date on which the notification was received.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any acquisition made without such prior notification, or conducted before 60 business days have elapsed since the date of such notification, or made in circumstances where the European Central Bank has objected, will produce the following results&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">the acquired shares will have no voting rights&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">if considered appropriate, the target bank may be taken over by the relevant regulator or its directors replaced in accordance with Title III of Law 10&#47;2014&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">a sanction may be imposed under Title IV of Law 10&#47;2014.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">12</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any individual or institution that intends to sell its significant participation in a bank or reduce its participation below the above-mentioned percentages, or which, because of such sale, will lose control of the entity, must give prior notice to the Bank of Spain, indicating the amount it intends to sell and the period in which the transaction is to be executed. Non-compliance with this requirement may result in sanctions.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Furthermore, pursuant to Law 10&#47;2014, any natural or legal person, or such persons acting in concert, who has acquired, directly or indirectly, a holding in a Spanish bank so that the proportion of the voting rights or of the capital held reaches or exceeds 5%, must immediately notify in writing the Bank of Spain and the relevant Spanish bank, indicating the size of the acquired holding.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Lastly, Law 19&#47;2003, of July 4, on the legal regime of capital circulation and overseas economic transactions (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Ley 19&#47;2003, de 4 de julio, sobre r&#233;gimen jur&#237;dico de los movimientos de capitales y de las transacciones econ&#243;micas con el exterior</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">), as amended, among others, pursuant to Royal Decree-law 8&#47;2020, of March 17, Royal Decree-law 11&#47;2020, of March 31, Royal Decree-law 34&#47;2020, of November 17 and Royal Decree-law 20&#47;2022 of December 27, stipulates the suspension of the liberalization regime of foreign direct investment in Spain for investments made by non-residents in the EU or in the European Free Trade Association in Spanish entities of certain sectors, where the resulting stake of the relevant investor is at least 10% of the share capital of the corresponding Spanish entity, or whereby as a consequence of the relevant transaction the investor effectively participates in the management or control of the relevant Spanish entity. This suspension applies to investments made in certain sectors (the banking and finance sector not being specifically included), to investments whereby the foreign investor is directly or indirectly controlled by a third-country government or public body, as well as if the Spanish government considers that the relevant investment may affect public safety, public order or public health, and is subject to certain limitations and simplifications. This suspension implies that none of the aforementioned investments may be made without Spanish governmental authorization, and will apply until the Spanish Council of Ministers lifts such suspension. Moreover, Royal Decree-law 20&#47;2022, of December 27, has extended the regime of suspension of liberalization of certain foreign direct investments in Spain regulated in paragraphs 2 and 5 of Article 7 bis of Law 19&#47;2003, of July 4, 2003, until December 31, 2024, to foreign direct investments in companies listed in Spain, or in unlisted companies if the value of the investment in Spain exceeds &#8364;500 million, made by residents of other countries of the European Union and the European Free Trade Association (EFTA).</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Shareholders&#8217; Agreements </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Royal Legislative Decree 4&#47;2015 of October 23, as amended (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Spanish Securities Market Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and the Spanish Companies Act require parties to disclose certain types of shareholders&#8217; agreements that affect the exercise of voting rights at a general shareholders&#8217; meeting or contain restrictions or conditions on the transferability of shares or bonds that are convertible or exchangeable into shares. If any shareholders enter into such agreements with respect to BBVA&#8217;s shares, they must disclose the execution, amendment or extension of such agreements to BBVA and the CNMV and file such agreements with the appropriate Commercial Registry. Failure to comply with these disclosure obligations renders any such shareholders&#8217; agreement unenforceable and constitutes a material infringement of the Spanish Securities Market Act. In particular, a shareholders&#8217; agreement will have no effect with respect to the regulation of the right to vote in general shareholders&#8217; meetings and restrictions or conditions on the free transferability of shares and bonds convertible into shares until such time as the aforementioned disclosure and filing are made.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon request by the interested parties, the CNMV may waive the requirement to disclose and file a shareholder&#8217;s agreement when making the shareholders&#8217; agreement public could cause harm to the affected company.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Payment of Taxes </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of ordinary shares are responsible for any taxes or other governmental charges payable on their ordinary shares, including any taxes payable on transfer. The paying agent or the transfer agent, as the case may be, may, and upon instruction from BBVA, will&#58;</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">13</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">refuse to effect any registration of transfer of such ordinary shares or any split-up or combination thereof until such payment is made&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">withhold or deduct from any distributions on such ordinary shares or sell for the account of the holder thereof any part or all of such ordinary shares (after attempting by reasonable means to notify such holder prior to such sale), and apply, after deduction for its reasonable expenses incurred in connection therewith, the net proceeds of any such sale in payment of such tax or other governmental charge, the holder of such ordinary shares remaining liable for any deficiency.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Exercise of Spanish Bail-in Power and Other Resolution Tools </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Our ordinary shares (including those represented by ADSs) may be subject to the exercise of the Spanish Bail-in Power by the Spanish Resolution Authority, which may include and result in any of the following, or some combination thereof, among others&#58; (i) the cancellation of such securities&#59; (ii) the transfer of such securities to creditors of BBVA&#59; (iii) the conversion of other securities or obligations of BBVA into ordinary shares of BBVA thereby diluting the shareholding of the holders of ordinary shares&#59; and (iv) the variation of the terms of such securities or the rights of the holders thereunder, including to give effect to the exercise of the Spanish Bail-in Power by the Spanish Resolution Authority. See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 3. Key Information&#8212;Risk Factors&#8212;Regulatory, Tax, Compliance and Reporting Risks&#8212;The Group is subject to a comprehensive regulatory and supervisory framework, including resolution regulations, which could have a material adverse effect on its business, financial condition and results of operations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212; Capital Requirements, MREL and Resolution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; in our Annual Report.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Non-Voting, Redeemable and Privileged Shares </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Our bylaws authorize us to issue ordinary, non-voting, redeemable and privileged shares. As of the date of the filing of the Annual Report, we have no non-voting, redeemable or privileged shares outstanding. The provisions of our bylaws relating to such shares are described below.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Privileged Shares</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may issue shares that confer some privilege over ordinary shares under legally established terms and conditions, complying with the formalities prescribed for amending our bylaws.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Redeemable Shares</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may issue shares that are redeemable at our or the holders&#8217; request, or both, for a nominal amount no greater than one quarter of our share capital. Redemption of any such shares may only occur according to the terms set forth when they are issued. If the redemption right was attributed exclusively to us, we may not enforce it until three years have elapsed since the issue. Redeemable shares must be fully paid up at the time of their subscription. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The redemption of redeemable shares must be charged to earnings or to free reserves or be made with the proceeds of a new share issuance made under a resolution from the general shareholders&#8217; meeting or, as the case may be, from the Board of Directors, for the purpose of financing the redemption transaction. If the redemption of these shares is charged to earnings or to free reserves, the Company must set up a reserve for the amount of the nominal value of the shares redeemed. If the redemption is not charged to earnings or free reserves or made with the proceeds of the issuance of new shares, it may only be carried out under the requirements established for the reduction of share capital by refunding contributions.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">14</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Non-Voting Shares</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may issue shares with no voting rights within legally established limits. Holders of such shares are entitled to receive a minimum fixed or variable annual dividend, as resolved by the general shareholders&#8217; meeting and&#47;or the Board of Directors at the time of deciding to issue the shares. In addition, the right of non-voting shares to accumulate unpaid dividends whenever funds to pay dividends are not available, any preemptive subscription rights associated with non-voting shares, and the ability of holders of non-voting shares to recover voting rights must be established at the time of deciding to issue the shares. Once the minimum dividend has been agreed upon, holders of non-voting shares will be entitled to the same dividend as holders of ordinary shares.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Certain Other Provisions Regarding Shareholders&#8217; Rights</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Our bylaws do not contain any provisions relating to sinking funds or potential liability of shareholders to further capital calls by us.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Certain Powers of the Board of Directors </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Provisions regarding directors are generally contained in our bylaws. In addition, our board regulations govern the internal procedures and operation of the Board of Directors and its committees and directors&#8217; rights and duties as described in their respective charters. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The board regulations prohibit a director from deliberating or voting on resolutions or decisions in which they or a related party may have a direct or indirect conflict of interest (unless such decisions are related to the appointment or removal of positions on the management body). The board regulations require that directors resign from their position upon reaching 75 years of age, and must submit their resignation at the first meeting of the Board of Directors to be held after the general shareholders&#8217; meeting approving the accounts for the financial year in which they reach said age. Directors are not required to hold shares of BBVA in order to be appointed as such.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Information about directors&#8217; compensation, including remuneration in shares, is included under &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 6. Directors, Senior Management and Employees&#8212;Compensation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; in our Annual Report.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">15</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:115%">DESCRIPTION OF BBVA AMERICAN DEPOSITARY SHARES</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The depositary, The Bank of New York Mellon (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Depositary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), registers and delivers BBVA ADSs. Each BBVA ADS represents an ownership interest in one ordinary share. The ordinary shares will be deposited with BBVA, The Bank of New York Mellon&#8217;s custodian in Spain. Each BBVA ADS will also represent securities, cash or other property deposited with The Bank of New York Mellon but not distributed to BBVA ADS holders. The Bank of New York Mellon&#8217;s corporate trust office is located at 240 Greenwich Street, New York, NY 10286. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA ADSs may be held either (A) directly (i) by having an American Depositary Receipt, also referred to as a BBVA ADR, which is a certificate evidencing a specific number of BBVA ADSs, registered in the holder&#8217;s name, or (ii) by having BBVA ADSs registered in the holder&#8217;s name in the Direct Registration System (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">DRS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), or (B) indirectly by holding a security entitlement in BBVA ADSs through a broker or other financial institution. If a person holds BBVA ADSs directly, such person is an ADS registered holder. The information provided in this section &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Description of BBVA American Depositary Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; describes the rights and procedures for ADS registered holders. Persons who hold BBVA ADSs indirectly must rely on the procedures of their broker or other financial institution to assert the rights of BBVA ADS registered holders described herein.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The DRS is a system administered by The Depository Trust Company (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">DTC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) pursuant to which the Depositary may register the ownership of uncertificated ADSs, which ownership will be evidenced by periodic statements sent by the Depositary to the registered holders of uncertificated ADSs.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA ADS holders are not BBVA shareholders and do not have shareholder rights. Because The Bank of New York Mellon will actually hold the underlying ordinary shares, holders must rely on The Bank of New York Mellon to exercise the rights of a shareholder. The obligations of The Bank of New York Mellon are set out in the Deposit Agreement. The Deposit Agreement and the BBVA ADSs are governed by New York law.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The following is a summary of certain material terms of the Deposit Agreement. The Deposit Agreement is included as Exhibit 1 to BBVA&#8217;s Registration Statement on Form F-6 filed with the SEC on November 5, 2007. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Deposit and Withdrawal of Deposited Securities </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Depositary has agreed that upon the execution in favor of the Depositary or its nominee and delivery to the custodian or Depositary (if to the Depositary, then at the expense and risk of the depositor) of either (i) a certificate of title which has been executed by a Spanish stockbroker and, if required, certificates representing such shares to the custodian together with any documents and payments required under the Deposit Agreement or (ii) any other evidence of ownership of shares as recognized under the laws of Spain from time to time, and acceptable to the custodian, the Depositary will have for delivery at the Depositary&#8217;s corporate trust office to or upon the order of the person specified by the depositor at the address set forth above, upon payment of the fees, charges and taxes provided in the Deposit Agreement, registered in the name of such person or persons as specified by the depositor, the number of BBVA ADSs issuable in respect of such deposit.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon surrender of BBVA ADSs at the Depositary&#8217;s corporate trust office, together with written instructions from the person or persons in whose name the BBVA ADSs are registered, and upon payment of such charges as are provided in the Deposit Agreement and subject to its terms, the Depositary will request the execution of evidence of ownership in favor of such persons designated in the written instrument and the delivery of such evidence of ownership (by book-entry transfer or physical delivery) of the deposited shares represented by the surrendered BBVA ADSs and any other property that the surrendered BBVA ADSs represent the right to receive. Such delivery is to take place at the office of the custodian or at the Depositary&#8217;s office as the person designated in the written instructions may request.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If a person presents for deposit shares with different distribution rights than other deposited shares, the Depositary must identify them separately until such time as the distribution rights are the same.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">16</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Dividends, Other Distributions and Rights </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Depositary has agreed to pay to holders of BBVA ADSs the cash dividends or other distributions it or the custodian receives on shares or other deposited securities after deducting its fees and expenses and according to applicable law. Holders of BBVA ADSs will receive these distributions in proportion to the number of shares their BBVA ADSs represent.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Cash</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will convert all cash dividends and other cash distributions in a foreign currency that it receives in respect of the deposited securities into U.S. dollars if in its judgment it can do so on a reasonable basis and can transfer the U.S. dollars to the United States.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Before making a distribution, any withholding taxes that must be paid will be deducted. The Bank of New York Mellon will distribute only whole U.S. dollars and cents. If the exchange rates fluctuate during a time when The Bank of New York Mellon cannot convert euros into U.S. dollars, holders of BBVA ADSs may lose some or all of the value of the distribution.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Ordinary Shares</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If a distribution by BBVA consists of a dividend in, or free distribution of, ordinary shares, The Bank of New York Mellon may, or if BBVA requests, will, subject to the Deposit Agreement, distribute to the holders of outstanding BBVA ADSs, in proportion to their holdings, additional BBVA ADSs representing the number of ordinary shares received as such dividend or free distribution if BBVA furnishes it with evidence that it is legal to do so. The Bank of New York Mellon will only distribute whole BBVA ADSs. It will sell ordinary shares which would require it to deliver fractional BBVA ADSs and distribute the net proceeds thereof in the same way as it does with cash. If the additional BBVA ADSs are not so distributed, each BBVA ADS will represent the additional ordinary shares distributed in respect of the ordinary shares represented by such BBVA ADS prior to such dividend or free distribution.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Rights</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">. If BBVA offers or causes to be offered to the holders of shares any rights to subscribe for additional shares or any rights of any other nature, The Bank of New York Mellon will either&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">make such rights available to holders of BBVA ADSs by means of warrants or otherwise, if The Bank of New York Mellon determines that it is lawful and feasible to do so&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">if making such rights available is determined by The Bank of New York Mellon not to be lawful and feasible, or if the rights represented by such warrants or other instruments are not exercised and appear to be about to lapse, sell such rights or warrants or other instruments&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">on a stock exchange on which such rights are listed&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">on an over-the-counter market on which such rights are traded&#59; or</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">with the written approval of BBVA, at a private sale,</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">at such place or places and upon such terms as The Bank of New York Mellon may deem proper, and allocate the proceeds of such sales for the account of the holders of the BBVA ADSs entitled to those proceeds, upon an averaged or other practicable basis without regard to any distinctions among such holders of BBVA ADSs due to exchange restrictions, or the date of delivery of any ADSs or otherwise.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The net proceeds allocated to the holders of BBVA ADSs so entitled will be distributed to the extent practicable in the case of a distribution in cash. The Bank of New York Mellon will not offer such rights to holders of BBVA ADSs having an address in the United States unless BBVA furnishes to The Bank of New York Mellon (i) evidence that a registration statement under the Securities Act is in effect or (ii) an opinion from U.S. counsel for BBVA, in a form satisfactory to The Bank of New York Mellon, to the effect that such distribution does not require registration under the provisions of the Securities Act.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">17</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Ordinary shares issuable upon exercise of preemptive rights must be registered under the Securities Act in order to be offered to holders of BBVA ADSs. If BBVA decided not to register those ordinary shares, the preemptive rights would not be distributed to holders of BBVA ADSs. Pursuant to the Deposit Agreement under which the BBVA ADSs are issued, however, the Depositary will use its best efforts to sell such rights that it receives and will distribute the proceeds of the sale to holders of BBVA ADSs.</font></div><div style="margin-bottom:12pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Other Distributions</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will remit to holders of BBVA ADSs any other item of value BBVA distributes on deposited securities by any means it thinks is legal, fair and practical. If it cannot make the distribution in that way, The Bank of New York Mellon may adopt such method as it may deem equitable and practicable for the purpose of effecting such distribution. The Bank of New York Mellon may sell, publicly or privately, what BBVA distributed and distribute the net proceeds in the same way as it does with cash.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon is not responsible if it decides that it is unlawful or impractical to make a distribution available to any BBVA ADS holders. BBVA has no obligations to register BBVA ADSs, ordinary shares, rights or other securities under the Securities Act. BBVA also has no obligation to take any other action to permit the distribution of BBVA ADSs, ordinary shares, rights or anything else to BBVA ADS holders. This means that holders of BBVA ADSs may not receive the distributions BBVA makes on its shares or any value for them if it is illegal or impractical for BBVA or The Bank of New York Mellon to make such distributions available to them.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Payment of Taxes </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of BBVA ADSs will be responsible for any taxes or other governmental charges payable on their BBVA ADSs or on the deposited securities underlying their BBVA ADSs, including any taxes payable on transfer. The Bank of New York Mellon may, and upon instruction from BBVA, will&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">refuse to effect any registration of transfer of such receipt or any split-up or combination thereof or any withdrawal of such deposited securities until such payment is made&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">withhold or deduct from any distributions on such deposited securities or sell for the account of the holder thereof any part or all of such deposited securities (after attempting by reasonable means to notify such holder prior to such sale), and apply, after deduction for its expenses incurred in connection therewith, the net proceeds of any such sale in payment of such tax or other governmental charge, the holder of such receipt remaining liable for any deficiency.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Record Dates</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will fix a record date to establish which holders of BBVA ADSs are entitled to&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">receive a dividend, distributions or rights&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">receive the net proceeds of any sale&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">give instructions for the exercise of voting rights at any such meeting&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">receive notice or solicitation to act in respect of any matter.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">18</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Voting of the Underlying Deposited Securities </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA has agreed in the Deposit Agreement that (i) the Depositary or its nominee, whichever is the registered holder of the ordinary shares represented by the BBVA ADSs, will have the same rights as any other registered holder of ordinary shares and (ii) consistent with BBVA&#8217;s bylaws, BBVA will observe the right of the Depositary, its nominee or registered holder of the ordinary shares to attend any ordinary or extraordinary general shareholders&#8217; meeting and to vote or cause to be voted by proxy the ordinary shares with respect to the BBVA ADSs and that BBVA will not exercise any right it may have under its bylaws to reject or in any way impair such rights.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Once The Bank of New York Mellon receives notice in English of any matter affecting holders of ordinary shares, it will mail, as soon as practicable, such notice to the holders of BBVA ADSs. The notice will (i) contain the information in the notice of meeting, (ii) explain how holders as of a certain date may instruct The Bank of New York Mellon to vote the shares underlying their BBVA ADSs and (iii) contain a statement as to the manner in which instructions may be given.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The record holders of BBVA ADSs can instruct The Bank of New York Mellon to vote the shares underlying their BBVA ADSs. The Bank of New York Mellon will try, insofar as practicable, to cause the ordinary shares so represented to be voted in accordance with any nondiscretionary written instructions of BBVA ADS record holders received.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event the BBVA ADS record holders do not provide written instructions by a specified date, The Bank of New York Mellon will deem the BBVA ADR holder to have instructed it to give discretionary proxy to a person designated by the BBVA Board of Directors. However, this proxy must not be given to such a person if the Board of Directors informs The Bank of New York Mellon, in writing, that the Board of Directors either does not wish the proxy to be given, that substantial opposition exists or that the matter at hand materially affects the rights of BBVA shareholders.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Facilities and Register </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will maintain at its transfer office&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">facilities for the delivery and surrender of ordinary shares&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">facilities for the withdrawal of ordinary shares&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">facilities for the execution and delivery, registration, registration of transfer, combination and split-up of BBVA ADSs and the withdrawal of deposited securities&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">a register for the registration and transfer of BBVA ADSs which, at all reasonable times, shall be open for inspection by holders of BBVA ADSs.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Reports and Notices</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will, at BBVA&#8217;s expense&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">arrange for the custodian to provide The Bank of New York Mellon copies in English of any reports and other communications that are generally made available by BBVA to holders of ordinary shares&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">arrange for the mailing of such copies to all holders of BBVA ADSs.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA has delivered to The Bank of New York Mellon and the custodian a copy of the provisions of or governing ordinary shares. Promptly after any amendment, BBVA will deliver to The Bank of New York Mellon and the custodian a copy in English of such amended provisions. The Bank of New York Mellon may rely upon such copy for all the purposes of the Deposit Agreement.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">19</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will, at BBVA&#8217;s expense, make available for inspection by BBVA ADS holders at the corporate trust office, the office of the custodian and at any other designated transfer office any reports and communications received from BBVA that are made generally available to holders of ordinary shares.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Amendment and Termination of the Deposit Agreement</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The BBVA ADSs and the Deposit Agreement may at any time be amended by agreement between BBVA and The Bank of New York Mellon.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any amendment that would impose or increase any charges (other than transmission and delivery charges incurred at the request of depositors of ordinary shares or holders of BBVA ADSs, transfer, brokerage, registration fees and charges in connection with conversion of currencies, and taxes and other governmental charges) or that will otherwise prejudice any substantial existing right of BBVA ADS holders will not become effective as to outstanding BBVA ADRs until three months have expired after notice of such amendment has been given to the holders of the BBVA ADRs.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In no event will any amendment impair the right of any BBVA ADS holder to surrender such BBVA ADSs and receive in return the ordinary shares and other property which those surrendered BBVA ADSs represent, except in order to comply with mandatory provisions of applicable law.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">At BBVA&#8217;s direction, The Bank of New York Mellon will terminate the Deposit Agreement by giving notice of such termination to the record holders of BBVA ADSs at least 30 days prior to the date fixed in that notice for the termination. The Bank of New York Mellon may terminate the Deposit Agreement at any time commencing 90 days after delivery of a written resignation, provided that no successor Depositary has been appointed and no successor Depositary has accepted its appointment before the end of those 90 days.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">After the date that has been fixed for termination, The Bank of New York Mellon and its agents will perform no further acts under the Deposit Agreement, other than&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">advise record holders of BBVA ADSs of such termination&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">receive and hold distributions on ordinary shares&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">deliver ordinary shares and distributions in exchange for BBVA ADSs surrendered to The Bank of New York Mellon.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As soon as practicable after the expiration of six months from the date that has been fixed for termination, The Bank of New York Mellon will sell ordinary shares and other deposited securities and may hold the net proceeds of any such sale together with any other cash then held by it under the provisions of the Deposit Agreement, without liability for interest, for the pro rata benefit of the holders of BBVA ADRs that have not yet surrendered their BBVA ADRs.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Fees and Expenses </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The fees payable under the Deposit Agreement, either directly or indirectly, by a holder of ADSs are set forth under &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 12. Description of Securities Other than Equity Securities&#8212;American Depositary Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; in our Annual Report.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Depositary collects its fees for delivery and surrender of BBVA ADSs directly from investors depositing shares or surrendering ADSs for the purpose of withdrawal or from intermediaries acting for them. The Depositary may generally refuse to provide fee-attracting services until its fees for those services are paid.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">20</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">From time to time, the Depositary may make payments to us to reimburse and&#47;or share revenue from the fees collected from ADS holders, or waive fees and expenses for services provided, generally relating to costs and expenses arising out of establishment and maintenance of the BBVA ADS program. In performing its duties under the Deposit Agreement, the Depositary may use brokers, dealers or other service providers that are affiliates of the Depositary and that may earn or share fees or commissions.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Limitations on Obligations and Liability to BBVA ADS Holders</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Deposit Agreement expressly limits BBVA&#8217;s obligations and the obligations of The Bank of New York Mellon, and it limits BBVA&#8217;s liability and the liability of The Bank of New York Mellon. BBVA and The Bank of New York Mellon&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">are only obligated to take the actions specifically set forth in the Deposit Agreement without negligence or bad faith&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">are not liable for any action or inaction if either relies upon the advice of, or information from, legal counsel, accountants, any person presenting shares for deposit, any holder, or any other person believed to be competent to give such advice or information&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">are not liable if either is prevented or delayed by law or circumstances beyond their control from performing their obligations under the Deposit Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">are not liable if either exercises discretion permitted under the Deposit Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">have no obligation to become involved in a lawsuit or other proceeding related to the BBVA ADSs or the Deposit Agreement on behalf of holders of BBVA ADSs or on behalf of any other party&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">may rely upon any documents they believe to be genuine and to have been signed or presented by the proper party.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will not be liable for its failure to carry out any instructions to vote BBVA&#8217;s securities or for the effects of any such vote.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Other General Limitations on Liability to BBVA ADS Holders</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Neither The Bank of New York Mellon, its agents, nor BBVA will incur any liability if prevented or delayed in performing its obligations under the Deposit Agreement by reason of&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">any present or future law&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">any act of God&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">a war&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">the threat of any civil or criminal penalty&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">any other circumstances beyond their respective control.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The obligations and liabilities of BBVA and its agents and The Bank of New York Mellon and its agents under the Deposit Agreement are expressly limited to performing their respective obligations specifically set forth and undertaken by them to perform in the Deposit Agreement without negligence or bad faith.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the Deposit Agreement, BBVA and The Bank of New York Mellon agree to indemnify each other under certain circumstances.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">21</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">General </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon will act as registrar of the BBVA ADSs or, upon BBVA&#8217;s request or approval, appoint a registrar or one or more co-registrars for registration of the BBVA ADRs evidencing the BBVA ADSs in accordance with the requirements of NYSE or of any other stock exchange on which the BBVA ADSs may be listed. Such registrars or co-registrars may be removed and a substitute or substitutes appointed by The Bank of New York Mellon upon BBVA&#8217;s request or with BBVA&#8217;s approval.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any transfer of the BBVA ADSs is registrable on the books of The Bank of New York Mellon. However, The Bank of New York Mellon may close the transfer books at any time or from time to time when it deems expedient in connection with the performance of its duties or at BBVA&#8217;s request.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As a condition precedent to the execution and delivery, registration of transfer, split-up or combination of any BBVA ADS or the delivery of any distribution or the withdrawal of any ordinary shares or any property represented by the BBVA ADS, The Bank of New York Mellon or the custodian may, and upon BBVA&#8217;s instructions will, require from the BBVA ADR holder or the presenter of the BBVA ADS or the depositor of the ordinary shares&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">payment of a sum sufficient to pay or reimburse the custodian, The Bank of New York Mellon or BBVA for any tax or other governmental charge and any stock transfer or brokerage fee or any charges of the Depositary upon delivery of the BBVA ADS or upon surrender of the BBVA ADS, as set out in the Deposit Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">the production of proof satisfactory to The Bank of New York Mellon or custodian of&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">identity or genuineness of any signature&#59; and</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Courier New',monospace;font-size:11pt;font-weight:400;line-height:100%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:11.4pt">citizenship, residence, exchange control approval, and legal or beneficial ownership&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">compliance with all applicable laws and regulations including the delivery of any forms required by Spanish law or custom in connection with the execution or delivery of evidence of ownership, with all applicable provisions of or governing the shares or any other deposited securities and with the terms of the Deposit Agreement&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">other information deemed necessary or proper.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The delivery, registration of transfer, split-up or combination of BBVA ADSs, or the deposit or withdrawal of shares or other property represented by BBVA ADSs, in any particular instance or generally, may be suspended during any period when the BBVA ADSs register is closed, or when such action is deemed necessary or advisable by The Bank of New York Mellon or BBVA at any time or from time to time.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders have the right to cancel their BBVA ADSs and withdraw the underlying shares at any time except&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">when temporary delays arise because The Bank of New York Mellon or BBVA has closed its transfer books or the deposit of shares in connection with voting at a shareholders&#8217; meeting or the payment of dividends&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">when BBVA ADS holders owe money to pay fees, taxes and similar charges&#59; or</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">when it is necessary to prohibit withdrawals in order to comply with any laws or governmental regulations that apply to BBVA ADSs or to the withdrawal of shares or other deposited securities.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">This right of withdrawal may not be limited by any other provision of the Deposit Agreement.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">22</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon, upon BBVA&#8217;s request or with BBVA&#8217;s approval, may appoint one or more co-transfer agents for the purpose of effecting registrations of transfers, combinations and split-ups of BBVA ADSs at designated transfer offices on behalf of The Bank of New York Mellon. In carrying out its functions, a co-transfer agent may require evidence of authority and compliance with applicable laws and other requirements by holders of BBVA ADSs and will be entitled to protection and indemnity to the same extent as The Bank of New York Mellon.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Direct Registration System </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the Deposit Agreement, all parties to the Deposit Agreement acknowledge that the DRS and Profile Modification System (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Profile</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) will apply to uncertificated BBVA ADSs upon acceptance thereof to DRS by DTC. DRS is the system administered by DTC pursuant to which the Depositary may register the ownership of uncertificated ADSs, which ownership will be evidenced by periodic statements sent by the Depositary to the registered holders of uncertificated ADSs. Profile is a required feature of DRS which allows a DTC participant, claiming to act on behalf of a registered holder of uncertificated ADSs, to direct the Depositary to register a transfer of those ADSs to DTC or its nominee and to deliver those ADSs to the DTC account of that DTC participant without receipt by the Depositary of prior authorization from the ADS registered holder to register that transfer.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In connection with the arrangements and procedures relating to DRS and Profile, the parties to the Deposit Agreement understand that the Depositary will not verify, determine or otherwise ascertain that the DTC participant that is claiming to be acting on behalf of a BBVA ADS registered holder in requesting registration of transfer and delivery described in the paragraph above has the actual authority to act on behalf of the ADS registered holder (notwithstanding any requirements under the Uniform Commercial Code). In the Deposit Agreement, the parties agree that the Depositary&#8217;s reliance on and compliance with instructions received by the Depositary through DRS and Profile and in accordance with the Deposit Agreement, will not constitute negligence or bad faith on the part of the Depositary.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Exercise of Spanish Bail-in Power and Other Resolution Tools </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The ordinary shares of BBVA underlying the ADSs may be subject to the exercise of the Spanish Bail-in Power by the Spanish Resolution Authority. See &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Description of BBVA Ordinary Shares&#8212; Exercise of Spanish Bail-in Power and Other Resolution Tools</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">.&#8221;</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">23</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">DESCRIPTION OF</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">$1,200,000,000 0.875% FIXED RATE SENIOR PREFERRED NOTES DUE 2023</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">$800,000,000 1.125% FIXED RATE SENIOR PREFERRED NOTES DUE 2025 </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Defined terms provided in this section are provided for purposes of this section only and accordingly shall not modify or replace similar defined terms provided elsewhere in this exhibit.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s $1,200,000,000 fixed rate senior preferred notes due 2023 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2023 Notes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and $800,000,000 fixed rate senior preferred notes due 2025 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2025 Notes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and, together with the 2023 Notes, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Notes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) were issued under the indenture (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Base Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) dated July&#160;28, 2016 among BBVA, as issuer, and The Bank of New York Mellon, as trustee (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Trustee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), as amended and supplemented, with respect to the 2023 Notes, by the First Supplemental Indenture and, with respect to the 2025 Notes, by the Second Supplemental Indenture, dated September 18, 2020, among BBVA, The Bank of New York Mellon, London Branch, as Trustee, paying agent (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Paying Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and transfer agent, and The Bank of New York Mellon, as security registrar (the Base Indenture, as so amended and supplemented with respect to each series of Notes, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). Each series of Notes was issued pursuant to the resolution of the board of directors of BBVA adopted on June&#160;25, 2019. The First Supplemental Indenture and the Second Supplemental Indenture amended and supplemented the Base Indenture in certain material respects. The Base Indenture is included as Exhibit 4.2 to BBVA&#8217;s Registration Statement on Form F-3 filed with the SEC on June 25, 2019 and the First Supplemental Indenture and the Second Supplemental Indenture are included as Exhibits 4.10 and 4.11, respectively, to BBVA&#8217;s report on Form 6-K furnished to the SEC on September 18, 2020 and incorporated by reference into such Registration Statement. Holders of the Notes may also obtain a copy of the Indenture from the Trustee.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The following summary of certain provisions of the Notes and the Indenture does not purport to be complete and is subject, and is qualified in its entirety by reference, to all of the provisions of the Notes and the Indenture, including the definitions of the terms provided therein. Whenever this section refers to specific provisions of or terms defined in the Indenture we incorporate by reference into this section such specific provisions of or terms defined in the Indenture. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may issue future notes under other indentures or documentation which contain provisions different from those included in the Indenture, including future notes under the Base Indenture (as it may be amended and supplemented by the relevant supplemental indenture). BBVA is not prohibited under the Notes or the Indenture from paying any amounts due under any of its obligations at a time when they are in default or have failed to pay any amounts due under the Notes or the Indenture. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">General </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2023 Notes were issued in $1,200,000,000 aggregate principal amount and will mature at 100% of their principal amount on September&#160;18, 2023 (the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">&#8220;2023 Notes Stated Maturity Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). The 2025 Notes were issued in $800,000,000 aggregate principal amount and will mature at 100% of their principal amount on September&#160;18, 2025 (the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">&#8220;2025 Notes Stated Maturity Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and, each of the 2023 Notes Stated Maturity Date and the 2025 Notes Stated Maturity Date, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Stated Maturity Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). Each series of Notes were issued only in registered form in denominations of $200,000 with increments of $200,000 thereafter. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2023 Notes and the 2025 Notes constitute separate series of securities under the Indenture. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">24</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes of each series were issued in the form of one or more global certificates representing the Notes of the relevant series. DTC is the securities depositary for the Notes of each series. Therefore, the Notes of each series are issued only as registered securities registered in the name of Cede &#38; Co. (DTC&#8217;s nominee), and BBVA has deposited with DTC one or more registered global certificates representing in aggregate the total number of the Notes of each series. As long as DTC or its nominee is the registered holder of such global certificates representing the Notes of a series, DTC or its nominee, as the case may be, will be considered the sole owner and holder of the Notes of such series represented by such global certificates for all purposes under the Indenture and the Notes of such series. Except as described below, owners of beneficial interests in a Note of a series represented by a global certificate are not entitled to have the Notes represented by such global certificates registered in their names, may not receive or be entitled to receive physical delivery of certificated Notes and are not considered the holders of such Notes under the Indenture. Accordingly, each person owning a beneficial interest in a Note represented by a global certificate must rely on the procedures of DTC and, if that person is not a participant in DTC, on the procedures of the participant in DTC through which the person owns its interest, to exercise any rights of a beneficial owner under the Indenture. Beneficial interests in the Notes represented by such global certificates will be exchangeable for Notes represented by individual security certificates, or certificated Notes, and registered in the name or names of owners of such beneficial interests as specified in instructions provided by DTC to the Trustee only if&#58; (i) DTC notifies BBVA in writing that it is unwilling, unable or ineligible to continue to act as depositary or that it is no longer a clearing agency registered under the Exchange Act and, in either case, a successor depositary is not appointed by BBVA within 60 days after the date of such notice from DTC, (ii) BBVA notifies the Trustee in writing that it has reasonably elected to cause the issuance of definitive registered Notes or (iii) there shall have occurred and be continuing an Event of Default (as defined in the Indenture) with respect to the Notes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No Notes are entitled to the benefit of any sinking fund or similar custodial arrangement. All payments under the Notes are in U.S. dollars.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Indenture provides that, in addition to the Notes, notes, bonds and other evidences of indebtedness of other series may in the future be issued thereunder without limitation as to the maximum aggregate principal amount. BBVA may from time to time, without the consent of the holders of the Notes of any series, create and issue further securities having the same terms and conditions as the previously issued Notes in all respects (or in all respects except for the issue date, the original interest accrual date and&#47;or the issue price), so that such further issue may be consolidated and form a single series with the outstanding Notes of the relevant series&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that any such further issuance will only be made if either such additional securities are issued with no more than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">de minimis</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> original issue discount for U.S. federal income tax purposes or any such further issuance is a &#8220;qualified reopening&#8221; as such term is defined under U.S. Treasury Regulations Section&#160;1.1275-2(k)(3) promulgated under the U.S. Internal Revenue Code of 1986, as amended (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Payment of Interest </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2023 Notes bear interest from and including September&#160;18, 2020 at an annual rate of 0.875%. BBVA must pay interest in arrears on the 2023 Notes semi-annually on September&#160;18 and March 18 of each year </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(each, a &#8220;</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2023 Notes Interest Payment Date</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, commencing on March 18, 2021 up to, and including, the 2023 Notes Stated Maturity Date or any date of earlier redemption. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2025 Notes bear interest from and including September&#160;18, 2020 at an annual rate of 1.125%. BBVA must pay interest in arrears on the 2025 Notes semi-annually on September&#160;18 and March 18 of each year (</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">each, a &#8220;</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2025 Notes Interest Payment Date</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, and each 2023 Notes Interest Payment Date and 2025 Notes Interest Payment Date an &#8220;</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Interest</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Payment Date</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, commencing on March 18, 2021 up to, and including, the 2025 Notes Stated Maturity Date or any date of earlier redemption. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">25</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Interest on the Notes of each series is computed on the basis of a 360-day year of twelve 30-day months. Except as described below for the first Interest Payment Date for the Notes of each series, on each Interest Payment Date for Notes of a series, BBVA must pay interest on the Notes of such series for the period commencing on and including the immediately preceding Interest Payment Date for such series of Notes and ending on and including the day immediately preceding that Interest Payment Date. On the first Interest Payment Date for each series of Notes, BBVA must pay interest for the period beginning on and including September&#160;18, 2020 to but excluding March 18, 2021. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If, with respect to any series of Notes, any Interest Payment Date falls on a day that is not a Business Day (as defined in the Indenture), the related interest payment shall be postponed to the next day that is a Business Day, and no interest on such payment shall accrue for the period from and after such Interest Payment Date. If, with respect to any series of Notes, the Stated Maturity Date or date of earlier redemption falls on a day that is not a Business Day, payment of principal and interest on the Notes of the relevant series will be made on the next succeeding day that is a Business Day, and no interest on such Notes will accrue for the period from and after the relevant Stated Maturity Date or date of earlier redemption. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Interest on each Note will be paid only to the person in whose name such Note was registered at the close of business on the 15th calendar day before the applicable Interest Payment Date (each such date, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Regular Record Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Payments of Additional Amounts </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any amounts to be paid by BBVA with respect to the Notes must be paid without withholding or deduction for or on account of any and all present or future taxes or duties of whatever nature (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) unless such withholding or deduction is required by law. In the event any such withholding or deduction is imposed or levied in respect of payment of interest (but not principal or premium) by or on behalf of Spain or any political subdivision or authority thereof or therein having the power to tax, BBVA has agreed to pay to the holder of Notes such additional amounts (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Additional Amounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) as may be necessary in order that the net amount received by such holder of Notes under the Indenture, after such withholding or deduction, shall equal the amount of interest, if any, which would have been receivable by such holder of Notes in the absence of such withholding or deduction. Notwithstanding the foregoing, the Indenture specifies certain situations for which no such Additional Amounts are payable with respect to any Note. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any reference to payment of interest shall be deemed to include the payment of Additional Amounts to the extent payable in respect thereof. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Redemption </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">General </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event of a redemption with respect to a series of Notes, the redemption price of such Notes will be 100% of their principal amount together with any accrued but unpaid payments of interest to, but excluding, the date of redemption (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Redemption Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If BBVA has elected to redeem Notes of a series but prior to the payment of the Redemption Price to holders of Notes the Relevant Spanish Resolution Authority exercises its Spanish Bail-in Power with respect to such Notes, the relevant redemption notice shall be automatically rescinded and shall be of no force and effect, there shall be no redemption and consequently no payment of the Redemption Price (and any accrued interest and Additional Amounts payable thereon) will be due and payable. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any redemption shall be in compliance with the Applicable Banking Regulations (as defined in the Indenture) and, if required, BBVA shall have obtained the prior consent of the Regulator (as defined in the Indenture). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any notice of redemption shall be given not less than 30 nor more than 90 days prior to the redemption date. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">26</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If BBVA elects to redeem Notes of a series, they will cease to accrue interest from the redemption date, unless BBVA fails to pay the Redemption Price on the payment date. </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Early Redemption for Taxation or Listing Reasons </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may redeem all or part of a series of Notes at the Redemption Price if, as a result of any change in or any amendment to the laws or regulations of Spain (including any treaty to which Spain is a party) or any political subdivision or any authority or agency thereof or therein having power to tax, or any change in the application or official interpretation of such laws or regulations, which change, amendment, application or interpretation becomes effective on or after September 18, 2020 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Issue Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; of such Notes), (i)&#160;BBVA would become obligated to pay Additional Amounts in making any payments under such Notes, as described in the section entitled &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Payments of Additional Amounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above, as a result of any taxes, levies, imposts or other governmental charges imposed (whether by way of withholding or deduction or otherwise) by or for the account of Spain or any political subdivision or authority thereof or therein having the power to tax, (ii)&#160;BBVA would not be entitled to claim a deduction in computing tax liabilities in Spain in respect of any interest to be paid on the next Interest Payment Date on such Notes or the value of such deduction to BBVA would be reduced or (iii)&#160;the applicable tax treatment of such Notes would be materially affected&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, in the case of (i)&#160;above, no such notice to the Trustee of the redemption shall be given earlier than 90 days prior to the earliest date on which BBVA would be obligated to deduct or withhold tax or pay such Additional Amounts were a payment in respect of the Notes then due. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, if the Notes of a series had not been listed on an organized market in an OECD country by the date that is 45 days prior to the first Interest Payment Date on such Notes, BBVA would have had the option to redeem all (but not less than all) of the Notes of such series at the Redemption Price. The Notes of each series were listed on the New York Stock Exchange as of such date.</font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Early Redemption for Eligible Liabilities Event </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may, at its option, redeem all (but not less than all) the Notes of a series at the Redemption Price if an Eligible Liabilities Event (as defined in the Indenture) occurs with respect to such Notes on or after the Issue Date of such Notes. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Ranking </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes constitute direct, unconditional, unsubordinated and unsecured obligations of BBVA and, upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA, in accordance with and to the extent permitted by the Insolvency Law (as defined in the Indenture) and other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain (including, without limitation, Additional Provision 14.2 of Law 11&#47;2015), but subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), the payment obligations of BBVA under the Notes with respect to claims for principal (which claims will constitute ordinary claims) will rank&#58; (i)&#160;junior to any (a)&#160;privileged claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos privilegiados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) (which shall include, among other claims, any claims in respect of deposits for the purposes of Additional Provision 14.1 of Law 11&#47;2015), and (b)&#160;claims against the insolvency estate (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos contra la masa</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">)&#59; (ii) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">pari passu </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">without any preference or priority among themselves and with all other Senior Preferred Obligations&#59; and (iii)&#160;senior to (a)&#160;any Senior Non-Preferred Obligations, and (b)&#160;all subordinated obligations of, or claims against, BBVA (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">), present and future, such that any claim for principal in respect of the Notes will be satisfied, as appropriate, only to the extent that all claims ranking senior to it have first been satisfied in full, and then pro rata with any claims ranking </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">pari passu </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">with it, in each case as provided above. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">ordinary claims</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the class of claims with respect to unsecured, non-privileged and unsubordinated obligations (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos ordinarios</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA which, upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA and pursuant to the Insolvency Law and other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain, rank (i)&#160;junior to privileged claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos privilegiados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) (which shall include, among other claims, any claims in respect of deposits for the purposes of Additional Provision 14.1 of Law 11&#47;2015 and any secured claims), and claims against the insolvency estate (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos contra la masa</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) and (ii)&#160;senior to subordinated claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">). </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">27</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Senior Non-Preferred Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos ordinarios no preferentes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) means the obligations of BBVA with respect to any ordinary claims, present and future, which, upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA are expressed to rank within the ordinary claims but junior to Senior Preferred Obligations. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Senior Preferred Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the obligations of BBVA with respect to (i)&#160;the payment of principal under the Notes, and (ii)&#160;all other ordinary claims, present and future, other than Senior Non-Preferred Obligations.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%"> </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA, in accordance with and to the extent permitted by the Insolvency Law and other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain, but subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), the payment obligations of BBVA under the Notes with respect to claims for accrued but unpaid interest on the Notes and any Additional Amounts in respect thereof shall constitute subordinated claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) against BBVA ranking in accordance with the provisions of the Insolvency Law. No further interest on the Notes shall accrue from the date of declaration of the insolvency of BBVA. Each holder and beneficial owner of Notes by his or her acceptance thereof, to the extent permitted by Spanish law, authorizes and directs the Trustee on his or her behalf to take such action as may be necessary or appropriate to effectuate the ranking of the Notes of the relevant series as provided in the Indenture and as summarized herein and appoints the Trustee his or her attorney-in-fact for any and all such purposes, including, if required, to grant any private or public documents on such holder&#8217;s or beneficial owner&#8217;s behalf. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Prior to any voluntary or necessary declaration of insolvency of BBVA under the Insolvency Law or any voluntary or mandatory liquidation of BBVA or similar procedure, BBVA may be subject to an Early Intervention or Resolution, or to any other exercise of the Spanish Bail-in Power, and the Notes of any series may be subject to the exercise of the Spanish Bail-in Power, in which case no holder or beneficial owner of any such Note shall have any claim against BBVA in connection with or arising out of any such exercise of the Spanish Bail-in Power. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Events of Default </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, wherever used with respect to the Notes of a series, means (whatever the reason for such Event of Default and whether it shall be voluntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body) that, except as set forth in the immediately succeeding paragraph, an order shall have been made by any competent court commencing insolvency proceedings (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">procedimiento concursal</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) against BBVA or an order of any competent court or administrative agency shall have been made or a resolution shall have been passed by BBVA for the dissolution or winding up of BBVA (except (i)&#160;in the case of a reconstruction, consolidation, amalgamation or merger carried out in compliance with the requirements set forth in &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Consolidation, Merger and Conveyance of Assets&#59; Assumption</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; (in this case, even without being approved by an Act (as defined below) of the holders of the Notes) or (ii)&#160;in any such case for the purpose of a reconstruction or a consolidation or an amalgamation or a merger which has been approved by an Act of the holders of the Notes). There are no other Events of Default under the Notes. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">28</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding any other provision in the Notes or the Indenture, any Resolution or Early Intervention with respect to BBVA will not, in and of itself and without regard to any other fact or circumstance, constitute a default or an Event of Default under the immediately preceding paragraph or under any other of the terms of the Notes or the Indenture with respect to the Notes of any series. In addition, neither (i)&#160;a reduction or cancellation, in part or in full, of the Amounts Due on the Notes of a series or the conversion thereof into another security or obligation of BBVA or another person, in each case as a result of the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to BBVA, nor (ii)&#160;the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to such Notes, will constitute an Event of Default or default under the Indenture or such Notes or otherwise constitute non-performance of a contractual obligation, or entitle the holders of such Notes to any remedies, which are expressly waived. See &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Agreement with Respect to the Exercise of the Spanish Bail-in Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;. In addition, no repayment or payment of Amounts Due on the Notes will become due and payable or be paid after the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority if, and to the extent that, such amounts have been reduced, converted, cancelled, amended or altered as a result of such exercise. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If an Event of Default with respect to the Notes of a series at the time outstanding occurs and is continuing, then the principal of such outstanding Notes will be deemed to have been declared, and will become, immediately and automatically, due and payable. For the avoidance of doubt, only an Event of Default (rather than any breach or default under the Indenture or the Notes, such as the failure to pay interest or principal on the Notes) may give rise to such a declaration of acceleration. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">At any time after such a declaration of acceleration with respect to the Notes of a series has been made and before a judgment or decree for payment of the money due has been obtained by the Trustee as provided in the Indenture, the holders of not less than a majority in principal amount of the outstanding Notes of such series may by Act, rescind and annul such declaration and its consequences if&#58; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;1.&#160;&#160;&#160;&#160;BBVA has paid or deposited with the Trustee a sum of money sufficient to pay&#58; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(A)&#160;&#160;&#160;&#160;all overdue installments of any interest on and Additional Amounts with respect to all Notes of such series&#59; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(B)&#160;&#160;&#160;&#160;the principal of and any premium on any Notes of such series which have become due otherwise than by such declaration of acceleration and interest thereon and any Additional Amounts with respect thereto at the rate or rates borne by or provided for in such Notes&#59; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(C)&#160;&#160;&#160;&#160;to the extent that payment of such interest or Additional Amounts is lawful, interest upon overdue installments of any interest and Additional Amounts at the rate or rates borne by or provided for in such Notes&#59; and </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(D)&#160;&#160;&#160;&#160;all sums paid or advanced by the Trustee under the Indenture and the reasonable compensation, expenses, disbursements and advances of the Trustee, its agents and counsel and all other amounts due to the Trustee under the Indenture&#59; and </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;2.&#160;&#160;&#160;&#160;the Event of Default with respect to the Notes of such series shall have been cured or waived as provided in the Indenture.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No such rescission shall affect any subsequent default or impair any right consequent thereon. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the payment of certain amounts due to the Trustee (as set forth in prong 1.(D) in the second immediately preceding paragraph), the holders of not less than a majority in principal amount of the outstanding Notes of a series on behalf of the holders of all the Notes of such series may, by Act, waive any past default under the Indenture (with respect to such Notes) and such Notes and its consequences, except a default in the payment of the principal of or any premium, or interest on, or any Additional Amounts with respect to, any Note of such series or in respect of a covenant or provision of the Indenture that cannot be modified or amended without the consent of the holder of each outstanding Note of such series. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">29</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No holder of any Note of any series has the right to institute any proceeding, judicial or otherwise, with respect to the Indenture, or for the appointment of a receiver or trustee, or for any other remedy thereunder, unless (i)&#160;such holder has previously given written notice to the Trustee of a continuing Event of Default with respect to the Notes of such series&#59; (ii)&#160;the holders of not less than 25% in principal amount of the outstanding Notes of such series have made written request to the Trustee to institute proceedings in respect of such Event of Default in its own name as Trustee under the Indenture with respect to such Notes and such holder or holders have offered to the Trustee reasonable indemnity against the costs, expenses and liabilities to be incurred in compliance with such request&#59; (iii)&#160;the Trustee for 60 days after its receipt of such notice, request and offer of indemnity has failed to institute any such proceeding&#59; and (iv)&#160;no direction inconsistent with such written request has been given to the Trustee during such 60-day period by the holders of a majority in principal amount of the outstanding Notes of such series. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Except as set forth in the immediately following paragraph, notwithstanding any other provision in the Indenture and the Notes of the relevant series, each holder of a Note will have the right, which is absolute and unconditional, to receive payment of the principal of, any premium and, subject to certain provisions in the Indenture with respect to payment of defaulted interest, interest on, and any Additional Amounts with respect to, such Note on or after the respective due dates therefor specified in such Note (or, in the case of redemption, on or after the redemption date) and to institute suit for the enforcement of any such payment, and such right cannot be impaired or affected without the consent of such holder, except that holders of not less than 75% in principal amount of the outstanding Notes of such series may consent by Act, on behalf of the holders of all outstanding Notes of such series, to the postponement of the due date of any installment of interest for a period not exceeding three years from the original due date of such installment (which original due date shall have been fixed, for the avoidance of doubt, prior to any previous postponements of such installment). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes of any series may be subject to the exercise of the Spanish Bail-in Power, and no holder of any Note shall have any claim against BBVA in connection with or arising out of any such exercise. No repayment or payment of Amounts Due on the Notes of any series will become due and payable or be paid after the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority if, and to the extent that, such amounts have been reduced, converted, cancelled, amended or altered as a result of such exercise. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Within 90 days after the occurrence of any default under the Indenture known to the Trustee with respect to the Notes of a series, the Trustee shall transmit by mail to all holders of Notes of such series entitled to receive reports, notice of such default, unless such default shall have been cured or waived&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that the Trustee shall be protected in withholding such notice if and so long as the board of directors, the executive committee or a trust committee of directors and&#47;or responsible officers of the Trustee in good faith determine that the withholding of such notice is in the best interest of the holders of the Notes of such series. For the purpose of this paragraph, the term &#8220;default&#8221; means any event which is, or after notice or lapse of time or both would become, an Event of Default with respect to Notes of such series. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means any request, demand, authorization, direction, notice, consent, waiver or other action provided by or pursuant to the Indenture to be given or taken by holders of the Notes of a series and the written instrument or instruments in which such action is embodied and by which such action is evidenced. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">30</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Substitution and Modification </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding any other provision of the Notes or the Indenture, if an Eligible Liabilities Event occurs and is continuing with respect to any series of Notes, BBVA may substitute all (but not less than all) of the Notes of such series or modify the terms of all (but not less than all) of the Notes of such series, without the consent or approval of the holders or beneficial owners of the Notes, so that the Notes are substituted by, or their terms are modified to, become again, or remain, Qualifying Securities, subject to&#58; (i)&#160;having given not less than 30 nor more than 90 days&#8217; notice to the holders of such Notes in accordance with the Indenture and to the Trustee (which notice shall be irrevocable and shall specify the date for substitution or, as applicable, modification)&#59; (ii) the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations&#59; and (iii)&#160;any variation in the terms of such Notes resulting from such modification or, if such Notes are substituted, any difference between the terms of the Notes and those of the Qualifying Securities by which such Notes are substituted, not being materially prejudicial to the interests of the holders of such Notes and BBVA having delivered an officer&#8217;s certificate to the Trustee to that effect not less than five Business Days prior to (a)&#160;in the case of a substitution of the Notes, the Issue Date of the relevant Qualifying Securities by which the Notes are substituted or (b)&#160;in the case of a modification of the terms and conditions of the Notes, the date such modification becomes effective. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the case of a modification of the terms and conditions of the Notes of a series, any variation in the ranking of such Notes resulting from any such modification or, in the case of a substitution of the Notes, any difference between the ranking of the Notes and that of the Qualifying Securities by which the Notes are substituted, shall be deemed not to be prejudicial to the interests of the holders of such Notes where the ranking of the Notes or, if the Notes are substituted, of the Qualifying Securities by which the Notes are substituted, following such substitution or modification, as the case may be, is at least the same ranking as was applicable to the Notes of such series on their Issue Date. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Notes of a series are substituted in accordance with the paragraphs set forth above, the Notes of such series will cease to bear interest from (and including) the date of such substitution. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Note or any beneficial interest therein, each holder and beneficial owner of Notes, (i)&#160;acknowledges, accepts, consents to and agrees to be bound by the substitution of or modification to the terms of the Notes as set forth above and to grant to BBVA and the Trustee full power and authority to take any action and&#47;or to execute and deliver any document in the name and&#47;or on behalf of such holder or beneficial owner, as the case may be, which is necessary or convenient to complete the substitution of or modification to the terms of the Notes, as applicable&#59; and (ii)&#160;to the extent permitted by the Trust Indenture Act, waives any and all claims, in law and&#47;or in equity, against the Trustee and&#47;or BBVA for, agrees not to initiate a suit against the Trustee and&#47;or BBVA in respect of, and agrees that neither the Trustee nor BBVA shall be liable for, any action that the Trustee or BBVA takes, or abstains from taking, in either case in connection with the substitution of or modification to the terms of the Notes upon the occurrence of an Eligible Liabilities Event. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Outstanding Notes </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Among other provisions, in determining whether the holders of the requisite principal amount of outstanding Notes of a series have given any request, demand, authorization, direction, notice, consent or waiver under the Notes of such series or the Indenture, any Note of such series owned by BBVA or any other obligor upon such Notes or any affiliate of BBVA or such other obligor (if any such Notes are so owned), will be deemed not to be outstanding. In addition, the portion of the principal amount of an original issue discount Note (if any) of such series that will be deemed outstanding will be the amount that would be declared due and payable as of the date of determination. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">31</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Modifications and Waivers </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Modification of the Indenture with Consent of Holders </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">With the consent, as evidenced in an Act or Acts, as the case may be, of the holders of not less than a majority in principal amount of the Notes of each series outstanding immediately prior thereto affected thereby, voting as a class, BBVA and the Trustee may enter into an indenture or indentures supplemental to the Indenture for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Indenture or the Notes of such series or of modifying in any manner the rights of the holders of the Notes of such series under the Indenture and of waiving future compliance with respect to the Indenture and the Notes of such series&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that no such supplemental indenture, without the consent of the holder of each Note outstanding immediately prior thereto affected thereby, shall&#58; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the stated maturity of the principal of, or any premium or installment of interest on, or any Additional Amounts with respect to, any such Note, or reduce the principal amount thereof or the rate of interest thereon (except that holders of not less than 75% in principal amount of the outstanding Notes of a series may consent by Act, on behalf of the holders of all of the outstanding Notes of such series, to the postponement of the due date of any installment of interest for a period not exceeding three years from the original due date of such installment (which original due date shall have been fixed, for the avoidance of doubt, prior to any previous postponements of such installment)) or any Additional Amounts with respect thereto&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change any premium payable upon the redemption of such Notes or otherwise&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the obligation of BBVA to pay Additional Amounts&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">reduce the amount of the principal of an original issue discount Note (if any) that would be due and payable upon a declaration of acceleration of the maturity of the Note (following an Event of Default) or the amount thereof provable in bankruptcy&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the redemption provisions&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the place of payment or currency in which the payment of principal, any premium, interest or any Additional Amounts is payable&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">impair the right to take legal action to enforce the payment when due of principal, any premium, interest or any Additional Amounts with respect to the Notes&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">reduce the percentage in principal amount of outstanding Notes of a series the consent of whose holders is required for any supplemental indenture or to waive compliance with, or defaults under, the Indenture or reduce the requirement for a quorum or voting&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">modify the provisions of the Indenture that govern modification thereof with the consent of holders or give waivers of past defaults, and the consequences of such defaults, except to increase the percentage of outstanding Notes the consent of whose holders is required to modify and amend such Indenture or to give any such waiver and except to provide that additional provisions of the Indenture cannot be modified or waived without the consent of each holder of Notes affected thereby&#59; or </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change in any manner adverse to the interests of the holders of outstanding Notes the terms and conditions of the obligations of BBVA in respect of the due and punctual payment of principal, premium or interest (including Additional Amounts), if any, thereon&#59;</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">except in each case with respect to any modification or amendment of the Indenture or the Notes which is entered into pursuant to, and in accordance with, the provisions described below under &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Modification of the Indenture without Consent of Holders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; (in which each such case neither the consent nor the affirmative vote of any holder of any Note affected will be required). </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">32</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the payment of certain amounts due to the Trustee, the holders of not less than a majority in principal amount of the outstanding Notes of a series on behalf of the holders of all the Notes of such series may, by Act, waive any past default under the Indenture (with respect to such Notes) and such Notes and its consequences, except a default in the payment of the principal of or any premium, or interest on, or any Additional Amounts with respect to, any Note of such series or in respect of a covenant or provision of the Indenture that cannot be modified or amended without the consent of the holder of each outstanding Note of such series. </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Modification of the Indenture without Consent of Holders </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA and the Trustee may modify and amend the Indenture without the consent of the holders of the Notes of a series to&#58; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">evidence the succession of another person to BBVA, and the assumption by any such successor of the covenants of BBVA in such Indenture and in any Notes of such series&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">add to the covenants of BBVA for the benefit of the holders of Notes of all or any series or to surrender any right or power conferred upon BBVA under the Indenture, provided that such Notes do not cease to be fully eligible for inclusion in the Eligible Liabilities Amount as a result thereof and subject further to compliance with the Applicable Banking Regulations&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">establish the form or terms of the securities of any new series&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">evidence and provide for the acceptance of appointment by a successor trustee with respect to the Notes of one or more series and to add to or change any of the provisions of the Indenture as is necessary to provide for or facilitate the administration of the trusts by more than one trustee under the Indenture&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">cure any ambiguity or correct or supplement any defect or inconsistency in such Indenture, or make any other provisions with respect to matters or questions arising under the Indenture which do not adversely affect the interests of the holders of the Notes of any series in any material respect&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">add to, delete from or revise the conditions, limitations and restrictions on the terms or purposes of issue, authentication and delivery of Notes&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">supplement any of the provisions of the Indenture to such extent as shall be necessary to permit the discharge of any series of Notes, provided such action does not adversely affect the interests of any holders of Notes of any series in any material respect&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">add any additional events of default for the benefit of the holders of Notes of any series&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">secure any Notes, provided that no such Note ceases to be fully eligible for inclusion in the Eligible Liabilities Amount as a result thereof and subject further to compliance with the Applicable Banking Regulations&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">delete, amend or supplement any provision of the Indenture provided such actions do not materially adversely affect the interests of the holders of Notes outstanding immediately prior thereto&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">delete, amend or supplement any provision of the Indenture or the Notes as a result of, and to the extent necessary to effect, the substitution or modification of any Notes for the purposes of becoming again or remaining Qualifying Securities&#59; or </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">delete, amend or supplement any provision of the Indenture or the Notes as a result of, and to the extent required by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">33</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Satisfaction and Discharge </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to compliance with the Applicable Banking Regulations and, if required, the prior consent of the Regulator, BBVA may discharge certain obligations to holders of Notes of any series that have not already been delivered to the Trustee for cancellation and that have become due and payable by depositing or causing to be deposited with the Trustee, in trust, funds in an amount sufficient to pay and discharge the entire indebtedness on such Notes, including principal, interest, premium and any Additional Amounts to the date of such deposit. In addition, upon the exercise of the Spanish Bail-in Power with respect to a series of Notes which results in the redemption, cancellation, or the conversion into other securities, of all the Amounts Due on the Notes of such series or such Notes otherwise ceasing to be outstanding, the Indenture shall be deemed satisfied and discharged as to such series of Notes and such Notes shall thereafter be deemed to be not outstanding. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes will not be subject to legal defeasance or covenant defeasance, as each are described in the Indenture. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Consolidation, Merger and Conveyance of Assets&#59; Assumption </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Nothing contained in the Indenture or in any of the Notes shall prevent any reconstruction, consolidation, amalgamation or merger of BBVA with or into any other person or persons (whether or not affiliated with BBVA), or successive reconstructions, consolidations, amalgamations or mergers in which BBVA or the successor or successors of BBVA shall be a party or parties, or shall prevent any sale, transfer, conveyance or lease of the property of BBVA as an entirety or substantially as an entirety, to any other person (whether or not affiliated with BBVA)&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> any person formed by any reconstruction, consolidation, amalgamation or merger, or any transferee or lessee of BBVA&#8217;s assets shall expressly (except where such assumption is automatic by operation of law) assume the due and punctual payment of the principal of (and premium, if any), interest and Additional Amounts, if any, on the Notes in accordance with the provisions thereof and the Indenture, and the performance of every covenant of the Indenture on the part of BBVA to be performed or observed. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, any holding company or wholly-owned subsidiary of BBVA may assume BBVA&#8217;s obligations under the Notes of any series without the consent of any holder of Notes, provided that certain conditions are satisfied, including that, immediately prior to such assumption, the successor person has ratings for long-term senior debt assigned by Standard&#160;&#38; Poor&#8217;s Ratings Services or Moody&#8217;s Investors Service, Inc. (or their respective successors) which are the same as, or higher than, the credit rating for long-term senior debt of BBVA (or, if applicable, the previous successor person) assigned by Standard&#160;&#38; Poor&#8217;s Ratings Services or Moody&#8217;s Investors Service, Inc. (or their respective successors). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event of any reconstruction, consolidation, amalgamation, merger, sale, transfer, conveyance or lease, or any assumption of obligations under the Notes of a series permitted by the Indenture, the acquiring, resulting or successor person, as the case may be, shall succeed to, and substitute, and may exercise every right and power of, BBVA under the Indenture with respect to any such Notes with the same effect as if such person had been named as BBVA in the Indenture, and BBVA or any legal and valid successor person which shall theretofore have become such in the manner prescribed in the Indenture, shall be released from all liability as obligor and any other obligations and covenants under the Indenture and under any such Notes, as the case may be. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">34</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event the acquiring, resulting or successor person is not incorporated or tax resident in Spain, Additional Amounts under the Notes will thereafter be payable in respect of taxes imposed by the acquiring, resulting or successor person&#8217;s jurisdiction of incorporation or tax residence (subject to exceptions equivalent to those that apply to the obligation to pay Additional Amounts for taxes imposed by the laws of Spain) rather than taxes imposed by Spain. In addition, such acquiring, resulting or successor person not incorporated or tax resident in Spain will be entitled to redeem the Notes in the circumstances described in the first paragraph of &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Redemption&#8212;Early Redemption for Taxation or Listing Reasons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; upon any change in or any amendment to the laws or regulations of such acquiring, resulting or successor person&#8217;s jurisdiction of incorporation or tax residence (including any treaty to which it is a party) or any political subdivision or any authority or agency thereof or therein having power to tax, or any change in the application or official interpretation of such laws or regulations, provided that the relevant change, amendment, application or interpretation has become effective subsequent to the date of the reconstruction, consolidation, amalgamation, merger, sale, transfer, conveyance, lease or assumption, as the case may be. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">The Trustee </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon, the Trustee currently appointed pursuant to the Indenture, has its principal corporate trust office located at 240 Greenwich Street, New York, NY 10286 and the Indenture is administered by The Bank of New York Mellon acting (except with respect to its role as security registrar) through its London Branch at One Canada Square, London E14 5AL, United Kingdom or such other location as notified by the Trustee to BBVA from time to time. The Trustee and any trustee appointed pursuant to the Indenture shall have and be subject to all the duties and responsibilities specified with respect to an indenture trustee under the Trust Indenture Act. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s obligation to indemnify the Trustee in accordance with the Indenture shall survive the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to any Notes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder of Notes, to the extent permitted by the Trust Indenture Act, waives any and all claims, in law and&#47;or in equity, against the Trustee for, agrees not to initiate a suit against the Trustee in respect of, and agrees that the Trustee shall not be liable for, any action that the Trustee takes, or abstains from taking, in either case in accordance with the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to any Notes. Additionally, by its acquisition of any Notes, each holder thereof acknowledges and agrees that, upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series, (i)&#160;the Trustee shall not be required to take any further directions from holders with respect to any portion of the Notes of such series that is written down, converted to equity and&#47;or cancelled under the provision of the Indenture which authorizes holders of a majority in aggregate outstanding principal amount of the Notes to direct certain actions relating to the Notes&#59; and (ii)&#160;the Indenture shall not impose any duties upon the Trustee whatsoever with respect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to such Notes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding the foregoing, if, following the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to any series of Notes, any Notes of such series remain outstanding (for example, if such exercise results in only a partial write-down of the principal amount of the Notes of such series), then there shall at all times be a trustee for the Notes of such series in accordance with the Indenture, and the resignation and&#47;or removal of the Trustee and the appointment of a successor trustee shall continue to be governed by the Indenture, including to the extent no additional supplemental indenture or amendment is agreed between BBVA and the Trustee following the completion of the exercise of the Spanish Bail-in Power. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the provisions of the Trust Indenture Act, the Trustee is under no obligation to exercise any of the rights or powers vested in it by the Indenture at the request of any holder of Notes, unless such holders have offered to the Trustee reasonable security or indemnity satisfactory to the Trustee against the costs, expenses and liabilities which might be incurred thereby. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA and some of its subsidiaries maintain deposits with and conduct other banking transactions with The Bank of New York Mellon in the ordinary course of business. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">35</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Successor Trustees </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Trustee may resign or be removed by holders of a majority in principal amount of Notes at any time, effective upon the acceptance by a successor Trustee of the respective appointment. The Indenture provides that any successor Trustee will have a combined capital and surplus of not less than $50,000,000 and shall be a corporation, association, company or business trust organized and doing business under the laws of the United States or any of its states or territories or the District of Columbia and in good standing. No person shall accept its appointment as a successor Trustee with respect to the Notes unless at the time of such acceptance such successor Trustee shall be qualified and eligible under the Indenture. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Repayment of Funds </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All monies paid by BBVA to the Trustee or the Paying Agent for payment of principal, premium or interest and any Additional Amounts on any Notes which remain unclaimed at the end of two years after that payment has become due and payable will be paid to BBVA, on BBVA&#8217;s request, and all liability of the Trustee or the Paying Agent related to it will cease, and, if permitted by law, the holder of the applicable Note will look only to BBVA for any payment which such holder may be entitled to collect. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Prescription </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All claims against BBVA for payment of principal, premium, interest or Additional Amounts on or in respect of any Notes will become void unless made within the earlier of (i)&#160;six years or (ii)&#160;any applicable shorter period provided for under New York law, starting from the later of the date on which that payment first became due and the date on which the full amount was received by the Trustee or the Paying Agent. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Governing Law </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes and the Indenture shall be governed by and construed in accordance with the laws of the State of New York applicable to agreements made or instruments entered into and, in each case, performed in said state, except that the authorization and execution by BBVA of the Indenture and the authorization, issuance and execution of the Notes by BBVA shall be governed by and construed in accordance with the common laws of Spain. In addition, certain provisions of the Notes and the Indenture related to the status and ranking of the Notes, the waiver of the right of set-off and the agreement by holders of Notes with respect to the exercise and effects of the Spanish Bail-in Power shall be governed by and construed in accordance with the common laws of Spain. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Submission to Jurisdiction </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Except as provided in the paragraph immediately below, BBVA irrevocably submits to the non-exclusive jurisdiction of any U.S. federal or state court in the Borough of Manhattan, The City of New York, New York, in any suit or proceeding arising out of or relating to the Indenture or the Notes and irrevocably waives, to the extent it may effectively do so, any objection which it may have now or hereafter to the laying of the venue of any such suit or proceeding. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding any other provision of the Notes or the Indenture, the Spanish courts shall have exclusive jurisdiction in respect of any Bail-in Dispute and accordingly each of BBVA, the Trustee, each holder and beneficial owner of any Note and each paying agent, transfer agent, authenticating agent and security registrar submits, to the extent it may effectively do so, to the exclusive jurisdiction of the Spanish courts in relation to any Bail-in Dispute. Each of BBVA, the Trustee, each holder and beneficial owner of any Notes and each paying agent, transfer agent, authenticating agent and security registrar further irrevocably waives, to the extent it may effectively do so, any objection to the Spanish courts on the grounds that they are an inconvenient or inappropriate forum in respect of any Bail-in Dispute. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">36</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Agreement with Respect to the Exercise of the Spanish Bail-in Power </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding any other term of the Notes, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Notes, by its acquisition of any Notes, each holder (including each holder of a beneficial interest in the Notes) acknowledges, accepts, consents to and agrees to be bound by&#58; (i)&#160;the exercise and effects of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority, which may be imposed with or without any prior notice with respect to the Notes of any series, and may include and result in any of the following, or some combination thereof&#58; (a)&#160;the reduction or cancellation of all, or a portion, of the Amounts Due on such Notes&#59; (b)&#160;the conversion of all, or a portion, of the Amounts Due on such Notes into shares, other securities or other obligations of BBVA or another person (and the issue to or conferral on the holder of any such shares, securities or obligations), including by means of an amendment, modification or variation of the terms of such Notes&#59; (c)&#160;the cancellation of such Notes&#59; (d)&#160;the amendment or alteration of the maturity of such Notes or amendment of the amount of interest payable on such Notes, or the date on which the interest becomes payable, including by suspending payment for a temporary period&#59; and (ii)&#160;the variation of the terms of the Notes of any series, or the rights of the holders thereunder or under the Indenture, as deemed necessary by the Relevant Spanish Resolution Authority, to give effect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Amounts Due</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, with respect to the Notes of a series, means the principal amount of or outstanding amount (if applicable), together with any accrued but unpaid interest, Additional Amounts and premium (if any) due on the Notes of such series. References to such amounts will include amounts that have become due and payable, but which have not been paid, prior to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority. References to such amounts will also include amounts held in trust by BBVA, any paying agent or the Trustee pursuant to the Indenture. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder thereof acknowledges and agrees that neither a reduction or cancellation, in part or in full, of the Amounts Due on the Notes of any series, or the conversion thereof into another security or obligation of BBVA or another person, in each case as a result of the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to BBVA, nor the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series, shall&#58; (i)&#160;give rise to a default or event of default for purposes of Section&#160;315(b) (Notice of Defaults) and Section&#160;315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act or (ii)&#160;be a default or an Event of Default with respect to the Notes of any series or under the Indenture. By its acquisition of any Notes, each holder of Notes further acknowledges and agrees that no repayment or payment of Amounts Due on the Notes will become due and payable or be paid after the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority if, and to the extent that, such amounts have been reduced, converted, cancelled, amended or altered as a result of such exercise. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder of Notes, to the extent permitted by the Trust Indenture Act, waives any and all claims, in law and&#47;or in equity, against the Trustee for, agrees not to initiate a suit against the Trustee in respect of, and agrees that the Trustee will not be liable for, any action that the Trustee takes, or abstains from taking, in either case in accordance with the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series. Additionally, by its acquisition of any Notes, each holder of Notes acknowledges and agrees that, upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series&#58; (i)&#160;the Trustee will not be required to take any further directions from the holders of Notes with respect to any portion of the Notes that is written down, converted to equity and&#47;or cancelled under the Indenture&#59; and (ii)&#160;the Indenture will not impose any duties upon the Trustee whatsoever with respect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that notwithstanding the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any a series, so long as any Notes of such series remain outstanding, there will at all times be a trustee for the Notes of such series in accordance with the Indenture, and the resignation and&#47;or removal of the Trustee and the appointment of a successor trustee will continue to be governed by the Indenture, including to the extent no additional supplemental indenture or amendment is agreed upon in the event the Notes of such series remain outstanding following the completion of the exercise of the Spanish Bail-in Power. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">37</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder of Notes further agrees to be deemed to have authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds such Notes to take any and all necessary actions, if required, to implement the exercise of the Spanish Bail-in Power with respect to such Notes as it may be imposed, without any further action or direction on the part of such holder of Notes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of a series, BBVA or the Relevant Spanish Resolution Authority (as the case may be) will provide a written notice to DTC as soon as practicable regarding such exercise of the Spanish Bail-in Power for purposes of notifying the holders of the Notes of such series. BBVA will also deliver a copy of such notice to the Trustee for information purposes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 3. Key Information&#8212;Risk Factors&#8212; Regulatory, Tax, Compliance and Reporting Risks&#8212;The Group is subject to a comprehensive regulatory and supervisory framework, including resolution regulations, which could have a material adverse effect on its business, financial condition and results of operations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212; Capital Requirements, MREL and Resolution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; in our Annual Report.</font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Subsequent Holders&#8217; Agreement </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of any Notes that acquire such Notes in the secondary market or otherwise shall be deemed to acknowledge and agree to be bound by and consent to the same provisions specified herein and in the Indenture to the same extent as the holders that acquire such Notes upon their initial issuance, including, without limitation, with respect to the acknowledgement and agreement to be bound by and consent to the terms of the Notes related to the exercise and effects of the Spanish Bail-in Power set forth under &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Agreement with Respect to the Exercise of the Spanish Bail-in Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Purchases of the Notes </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA or any of its subsidiaries may at any time purchase the Notes at any price in the open market or otherwise (subject to such purchase being in compliance with Applicable Banking Regulations then in force, and subject to the prior consent of the Regulator if required pursuant to such regulations). Purchased Notes may be held, resold or, at the option of BBVA, surrendered to the Trustee for cancellation (subject to such holding, resale or cancellation being in compliance with Applicable Banking Regulations). </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Maintenance of Tax Procedures </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Indenture provides for the timely provision by the Paying Agent of a duly executed and completed Payment Statement in connection with each payment of income (as defined below) under the Notes, and sets forth certain procedures agreed by BBVA and the Paying Agent which aim to facilitate such process, along with a form of the Payment Statement to be used by the Paying Agent. For these purposes, &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means interest paid on an Interest Payment Date or the amount of the difference, if any, between the aggregate Redemption Price paid upon the redemption of the Notes (or a portion thereof) and the aggregate principal amount of such Notes, as applicable. In addition, BBVA has agreed to, so long as any principal amount of such Notes remains outstanding and insofar as it is practicable, maintain, implement or arrange for the implementation of procedures to facilitate the timely provision of a duly executed and completed Payment Statement in connection with each payment of income under such Notes or the collection of any other documentation concerning such Notes or the beneficial owners thereof that may be required under Spanish law for payments on such Notes not to be subject to Spanish withholding tax. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Paying Agent fails to deliver a duly executed and completed Payment Statement on a timely basis, in respect of an Interest Payment Date or in connection with a redemption of the Notes of a series (other than in the event of a Redemption for Failure to List), then the related payment will be subject to Spanish withholding tax,. If this were to occur, BBVA would not pay Additional Amounts. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">38</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Notices </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All notices to holders of Notes shall be validly given if in writing and mailed first-class postage prepaid to them at their respective addresses in the register maintained by the security registrar. While the Notes are in global form, any notice given to the holder of a Note shall be sufficiently given if such notice is given to such holder through DTC, in accordance with DTC&#8217;s applicable procedures from time to time.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font><br></font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">39</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">DESCRIPTION OF </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">$1,000,000,000 5.862% SENIOR NON-PREFERRED FIXED-TO-FIXED RATE NOTES DUE 2026  </font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">$750,000,000 6.138% SENIOR NON-PREFERRED FIXED-TO-FIXED RATE NOTES DUE 2028 </font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Defined terms provided in this section are provided for purposes of this section only and accordingly shall not modify or replace similar defined terms provided elsewhere in this exhibit.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s $1,000,000,000 5.862% senior non-preferred fixed-to-fixed rate notes due 2026 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2026 Notes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and $750,000,000 6.138% senior non-preferred fixed-to-fixed rate notes due 2028 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2028 Notes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and, together with the 2026 Notes, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Notes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) were issued under the indenture (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Base Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) dated June 25, 2019 among BBVA, as issuer, The Bank of New York Mellon, acting through its London Branch, as trustee (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Trustee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), transfer agent and paying agent (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Paying Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and The Bank of New York Mellon, as security registrar, as amended and supplemented, with respect to the 2026 Notes, by the first supplemental indenture and, with respect to the 2028 Notes, by the second supplemental indenture, each dated September 14, 2022, among BBVA, as issuer, The Bank of New York Mellon, London Branch, as Trustee, Paying Agent, calculation agent (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Calculation Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and transfer agent, and The Bank of New York Mellon, as security registrar (the Base Indenture, as so amended and supplemented with respect to each series of Notes, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Each series of Notes was issued pursuant to the resolution of the board of directors of BBVA adopted on June 25, 2019.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The first supplemental indenture and the second supplemental indenture amended and supplemented the Base Indenture in certain material respects. The Base Indenture is included as Exhibit 4.7 to BBVA&#8217;s Registration Statement on Form F-3 filed with the SEC on July 29, 2022 and the first supplemental indenture and the second supplemental indenture are included as Exhibits 4.8 and 4.9, respectively, to BBVA&#8217;s report on Form 6-K furnished to the SEC on September 14, 2022 and incorporated by reference into such Registration Statement. Holders of the Notes may also obtain a copy of the Indenture from the Trustee.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The following summary of certain provisions of the Notes and the Indenture does not purport to be complete and is subject, and is qualified in its entirety by reference, to all of the provisions of the Notes of the relevant series and the Indenture, including the definitions of the terms provided therein. Whenever this section refers to specific provisions of or terms defined in the Indenture, we incorporate by reference into this section such specific provisions of or terms defined in the Indenture. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may issue future notes under other indentures or documentation which contain provisions different from those included in the Indenture, including future notes under the Base Indenture (as it may be amended and supplemented by any relevant supplemental indenture). BBVA is not prohibited under the Notes or the Indenture from paying any amounts due under any of its obligations at a time when they are in default or have failed to pay any amounts due under such Notes or the Indenture.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">General </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2026 Notes were issued in $1,000,000,000 aggregate principal amount and, unless earlier redeemed by BBVA, will mature at 100% of their principal amount on September 14, 2026 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2026 Notes Stated Maturity Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). The 2028 Notes were issued in $750,000,000 aggregate principal amount and, unless earlier redeemed by BBVA, will mature at 100% of their principal amount on September 14, 2028 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2028 Notes Stated Maturity Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, and each of the 2026 Notes Stated Maturity Date and the 2028 Notes Stated Maturity Date, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Stated Maturity Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). Each series of Notes was issued only in registered form in denominations of $200,000 with increments of $200,000 thereafter.  </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2026 Notes and the 2028 Notes constitute separate series of securities under the Base Indenture.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No series of Notes is entitled to the benefit of any sinking fund or similar custodial arrangement. All payments on or in respect of the Notes of any series are made in U.S. dollars.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">40</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes of each series were issued in the form of one or more global certificates representing the Notes of the relevant series. DTC is the securities depositary for the Notes of each series. Therefore, the Notes of each series are issued only as registered securities registered in the name of Cede &#38; Co. (DTC&#8217;s nominee), and BBVA has deposited with DTC one or more registered global certificates representing in aggregate the total number of the Notes of each series. As long as DTC or its nominee is the registered holder of such global certificates representing the Notes of a series, DTC or its nominee, as the case may be, will be considered the sole owner and holder of the Notes of such series represented by such global certificates for all purposes under the Indenture and the Notes of such series. Except as described below, owners of beneficial interests in a Note of a series represented by a global certificate are not entitled to have the Notes represented by such global certificates registered in their names, may not receive or be entitled to receive physical delivery of certificated Notes and are not considered the holders of such Notes under the Indenture. Accordingly, each person owning a beneficial interest in a Note represented by a global certificate must rely on the procedures of DTC and, if that person is not a participant in DTC, on the procedures of the participant in DTC through which the person owns its interest, to exercise any rights of a beneficial owner under the Indenture. Beneficial interests in the Notes represented by such global certificates will be exchangeable for Notes represented by individual security certificates, or certificated Notes, and registered in the name or names of owners of such beneficial interests as specified in instructions provided by DTC to the Trustee only if&#58; (i) DTC notifies BBVA in writing that it is unwilling, unable or ineligible to continue to act as depositary or that it is no longer a clearing agency registered under the Exchange Act and, in either case, a successor depositary is not appointed by BBVA within 60 days after the date of such notice from DTC, (ii) BBVA notifies the Trustee in writing that it has reasonably elected to cause the issuance of definitive registered Notes or (iii) there shall have occurred and be continuing an Event of Default (as defined in the Indenture) with respect to the Notes.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Indenture provides that, in addition to the Notes, notes, bonds and other evidences of indebtedness of other series may in the future be issued thereunder without limitation as to the maximum aggregate principal amount. BBVA may from time to time, without the consent of the holders of the Notes of any series, create and issue further securities having the same terms and conditions as the previously issued Notes in all respects (or in all respects except for the issue date, the original interest accrual date and&#47;or the issue price), so that such further issue may be consolidated and form a single series with the outstanding Notes of the relevant series&#59; provided, however, that any such further issuance will only be made if either such additional securities are issued with no more than de minimis original issue discount for U.S. federal income tax purposes or any such further issuance is a &#8220;qualified reopening&#8221; as such term is defined under U.S. Treasury Regulations Section 1.1275-2(k)(3) promulgated under the U.S. Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;). </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Payment of Interest </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2026 Notes bear interest (i) from (and including) the Issue Date (as defined below) to (but excluding) the 2026 Notes Reset Date (September 14, 2025) or any date of earlier redemption at a fixed rate of 5.862% per annum and (ii) thereafter, from (and including) the 2026 Notes Reset Date to (but excluding) the 2026 Notes Stated Maturity Date or any date of earlier redemption at a fixed rate per annum equal to the 1-year UST (as defined below), as determined by the Calculation Agent, plus 230 basis points, such sum being converted to a semi-annual rate in accordance with market convention (rounded to the fifth decimal place, with 0.000005 being rounded upwards). BBVA must pay interest in arrears on the 2026 Notes semi-annually on March 14 and September 14 of each year, commencing on March 14, 2023 up to (and including) the 2026 Notes Stated Maturity Date or any date of earlier redemption (each a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2026 Notes Interest Payment Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;).</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">41</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 2028 Notes bear interest (i) from (and including) the Issue Date to (but excluding) the 2028 Notes Reset Date (September 14, 2027) or any date of earlier redemption at a fixed rate of 6.138% per annum and (ii) thereafter, from (and including) the 2028 Notes Reset Date to (but excluding) the 2028 Notes Stated Maturity Date or any date of earlier redemption at a fixed rate per annum equal to the 1-year UST, as determined by the Calculation Agent, plus 270 basis points, such sum being converted to a semi-annual rate in accordance with market convention (rounded to the fifth decimal place, with 0.000005 being rounded upwards). BBVA must pay interest in arrears on the 2028 Notes semi-annually on March 14 and September 14 of each year, commencing on March 14, 2023 up to (and including) the 2028 Notes Stated Maturity Date or any date of earlier redemption (each a &#8220;2028 Notes Interest Payment Date&#8221;, and each 2026 Notes Interest Payment Date and 2028 Notes Interest Payment Date an &#8220;Interest Payment Date&#8221;). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">For these purposes&#58;</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">1-year UST</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means an interest rate expressed as a percentage determined by the Calculation Agent to be the per annum rate equal to the yield to maturity for U.S. Treasury securities with a maturity of one year, as published in the most recent H.15.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">H.15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the daily statistical release designated as such and published by the Board of Governors of the United States Federal Reserve System under the caption &#8220;Treasury constant maturities&#8221;, or any successor or replacement publication as reasonably determined by BBVA and notified to the Calculation Agent, that establishes yield on actively traded U.S. Treasury securities, and &#8220;most recent H.15&#8221; means the H.15 that includes a yield to maturity for U.S. Treasury securities with a maturity of one year, published closest in time (but prior to) the relevant Reset Determination Date.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2026 Notes Reset Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means September 14, 2025. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2028 Notes Reset Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means September 14, 2027. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Reset Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means, with respect to the 2026 Notes, the 2026 Notes Reset Date and, with respect to the 2028 Notes, the 2028 Notes Reset Date.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Reset Determination Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the second Business Day (as defined below) immediately preceding the relevant Reset Date.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Interest on the Notes is computed on the basis of a 360-day year of twelve 30-day months. Except as described below for the first Interest Payment Date, on each Interest Payment Date, BBVA must pay interest on the Notes for the period commencing on (and including) the immediately preceding Interest Payment Date and ending on (and including) the day immediately preceding that Interest Payment Date. On the first Interest Payment Date, BBVA must pay interest for the period beginning on (and including) the Issue Date to (but excluding) the first Interest Payment Date. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> If any Interest Payment Date falls on a day that is not a Business Day (as defined in the Indenture), the related interest payment shall be postponed to the next day that is a Business Day, and no interest on such payment shall accrue for the period from and after such Interest Payment Date. If the Stated Maturity Date or date of earlier redemption for either series of Notes falls on a day that is not a Business Day, payment of principal and interest on such Notes will be made on the next succeeding day that is a Business Day, and no interest will accrue for the period from and after such Stated Maturity Date or date of earlier redemption. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Interest on each Note will be paid only to the person in whose name such Note was registered at the close of business on the 15th calendar day (whether or not a Business Day) immediately preceding the applicable Interest Payment Date (each such date a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Regular Record Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">42</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Payments of Additional Amounts </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any amounts to be paid by BBVA with respect to the Notes must be paid without withholding or deduction for or on account of any and all present or future taxes or duties of whatever nature (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) unless such withholding or deduction is required by law. In the event any such withholding or deduction is imposed or levied in respect of payment of interest (but not principal or premium) by or on behalf of Spain or any political subdivision or authority thereof or therein having the power to tax, BBVA has agreed to pay to the holder of Notes such additional amounts (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Additional Amounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) as may be necessary in order that the net amount received by such holder of Notes under the Indenture, after such withholding or deduction, shall equal the amount of interest, if any, which would have been receivable by such holder of Notes in the absence of such withholding or deduction. Notwithstanding the foregoing, the Indenture specifies certain situations for which no such Additional Amounts are payable with respect to any Note.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any reference to the payment of interest shall be deemed to include the payment of Additional Amounts to the extent payable in respect thereof. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Redemption </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">General</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event of a redemption with respect to a series of Notes, the redemption price of such Notes will be 100% of their principal amount together with any accrued but unpaid interest, if any, thereon to, but excluding, the date of redemption (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Redemption Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If BBVA has elected to redeem Notes of a series but prior to the payment of the Redemption Price to holders of Notes the Relevant Spanish Resolution Authority (as defined in the Indenture) exercises its Spanish Bail-in Power (as defined in the Indenture) with respect to such Notes, the relevant redemption notice shall be automatically rescinded and shall be of no force and effect, there shall be no redemption and consequently no payment of the Redemption Price (and any accrued interest and Additional Amounts payable thereon) will be due and payable. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any redemption shall be in compliance with the Applicable Banking Regulations (as defined in the Indenture) and, if required, BBVA shall have obtained the prior consent of the Regulator (as defined in the Indenture.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any notice of redemption shall be given not less than 30 nor more than 90 days prior to the redemption date.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If BBVA elects to redeem Notes of a series, they will cease to accrue interest from the redemption date, unless BBVA fails to pay the Redemption Price on the payment date.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">43</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Early Redemption for Taxation Reasons </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may redeem all or part of a series of Notes at the Redemption Price if, as a result of any change in or any amendment to the laws or regulations of Spain (including any treaty to which Spain is a party) or any political subdivision or any authority or agency thereof or therein having power to tax, or any change in the application or official interpretation of such laws or regulations, which change, amendment, application or interpretation becomes effective on or after September 14, 2022 (the &#8220;Issue Date&#8221; of such Notes), (i) BBVA would become obligated to pay Additional Amounts in making any payments under such Notes, as described in the section entitled &#8220;&#8212;Payments of Additional Amounts&#8221; above, as a result of any taxes, levies, imposts or other governmental charges imposed (whether by way of withholding or deduction or otherwise) by or for the account of Spain or any political subdivision or authority thereof or therein having the power to tax, (ii) BBVA would not be entitled to claim a deduction in computing tax liabilities in Spain in respect of any interest to be paid on the next Interest Payment Date on such Notes or the value of such deduction to BBVA would be reduced or (iii) the applicable tax treatment of such Notes would be materially affected&#59; provided that, in the case of (i) above, no such notice to the Trustee of the redemption shall be given earlier than 90 days prior to the earliest date on which BBVA would be obligated to deduct or withhold tax or pay such Additional Amounts were a payment in respect of the Notes then due. </font></div><div style="margin-bottom:12pt;text-indent:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Early Redemption for Eligible Liabilities Event </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may, at its option, redeem all (but not less than all) of the Notes of a series at the Redemption Price if an Eligible Liabilities Event (as defined in the Indenture) occurs with respect to such Notes on or after the Issue Date of such Notes.</font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Optional Early Redemption (Issuer Call) </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may, at its option, redeem all or part only of the Notes of a series at the Redemption Price on the relevant Reset Date for such series of Notes.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Status and Ranking of the Notes</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The payment obligations of BBVA under the Notes of each series on account of principal constitute direct, unconditional, unsubordinated and unsecured obligations (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos ordinarios</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA, and upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA, in accordance with and to the extent permitted by the Insolvency Law (as defined in the Indenture) and other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain (including, without limitation, Additional Provision 14.2 of Law 11&#47;2015 (as defined in the Indenture)), but subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), such payment obligations will rank&#58; (i) junior to any (a) privileged claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos privilegiados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) (which shall include, among other claims, any claims in respect of deposits for the purposes of Additional Provision 14.1 of Law 11&#47;2015), (b) claims against the insolvency estate (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos contra la masa</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">), and (c) Senior Preferred Obligations&#59; (ii) pari passu without any preference or priority among themselves and with all other Senior Non-Preferred Obligations&#59; and (iii) senior to all subordinated obligations of, or claims against, BBVA (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">), present and future, such that any relevant claim on account of principal in respect of the Notes will be satisfied, as appropriate, only to the extent that all claims ranking senior to it have first been satisfied in full, and then pro rata with any claims ranking pari passu with it, in each case as provided herein. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">ordinary claims</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the class of claims with respect to unsecured, non-privileged and unsubordinated obligations (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos ordinarios</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA which, upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA and pursuant to the Insolvency Law and other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain, rank (i) junior to privileged claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos privilegiados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) (which shall include, among other claims, any claims in respect of deposits for the purposes of Additional Provision 14.1 of Law 11&#47;2015 and any secured claims), and claims against the insolvency estate (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos contra la masa</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) and (ii) senior to subordinated claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">). </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">44</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Senior Non-Preferred Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos ordinarios no preferentes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) means the obligations of BBVA with respect to (i) the payment of principal under the Notes and (ii) all other ordinary claims, present and future, which, upon the insolvency (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA are expressed to rank within the ordinary claims but junior to Senior Preferred Obligations.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Senior Preferred Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the obligations of BBVA with respect to all ordinary claims, present and future, other than Senior Non-Preferred Obligations. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Claims of holders in respect of interest on the Notes accrued but unpaid as of the commencement of any insolvency proceeding in respect of BBVA shall constitute subordinated claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) against BBVA ranking in accordance with the provisions of the Insolvency Law. No further interest on the Notes shall accrue from the date of declaration of the insolvency of BBVA. Claims in respect of Additional Amounts shall also constitute subordinated claims (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">cr&#233;ditos subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) against BBVA.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Each holder of Notes by his or her acceptance thereof, to the extent permitted by Spanish law, authorizes and directs the Trustee on his or her behalf to take such action as may be necessary or appropriate to effectuate the ranking of the Notes of the relevant series as provided in the Indenture and as summarized herein and appoints the Trustee his or her attorney-in-fact for any and all such purposes, including, if required, to grant any private or public documents on such holder&#8217;s or beneficial owner&#8217;s behalf.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Prior to any voluntary or necessary declaration of insolvency of BBVA under the Insolvency Law or any voluntary or mandatory liquidation of BBVA or similar procedure, BBVA may be subject to an Early Intervention or Resolution, or to any other exercise of the Spanish Bail-in Power, and the Notes of any series may be subject to the exercise of the Spanish Bail-in Power, in which case no holder or beneficial owner of any such Note shall have any claim against BBVA in connection with or arising out of any such exercise of the Spanish Bail-in Power.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Events of Default </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, wherever used with respect to the Notes of a series, means (whatever the reason for such Event of Default and whether it shall be voluntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body) that, except as set forth in the immediately succeeding paragraph, an order shall have been made by any competent court commencing insolvency proceedings (procedimiento concursal) against BBVA or an order of any competent court or administrative agency shall have been made or a resolution shall have been passed by BBVA for the dissolution or winding up of BBVA (except (i) in the case of a reconstruction, consolidation, amalgamation or merger carried out in compliance with the requirements set forth in &#8220;&#8212;Consolidation, Merger and Conveyance of Assets&#59; Assumption&#8221; (in this case, even without being approved by an Act (as defined below) of the holders of the Notes) or (ii) in any such case for the purpose of a reconstruction or a consolidation or an amalgamation or a merger which has been approved by an Act of the holders of the Notes). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding anything to the contrary in the Notes or the Indenture, any Resolution or Early Intervention with respect to BBVA will not, in and of itself and without regard to any other fact or circumstance, constitute a default or an Event of Default under the immediately preceding paragraph or any other of the terms of the Notes or the Indenture with respect to the Notes of any series. In addition, neither (i) a reduction or cancellation, in part or in full, of the Amounts Due on the Notes of a series or the conversion thereof into another security or obligation of BBVA or another person, in each case as a result of the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to BBVA, nor (ii) the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to such Notes, will constitute an Event of Default or default under the Indenture or such Notes or otherwise constitute non-performance of a contractual obligation, or entitle the holders of such Notes to any remedies, which are expressly waived. See &#8220;&#8212;Agreement with Respect to the Exercise of the Spanish Bail-in Power&#8221;. In addition, no repayment or payment of Amounts Due on the Notes will become due and payable or be paid after the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority if, and to the extent that, such amounts have been reduced, converted, cancelled, amended or altered as a result of such exercise.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">45</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If an Event of Default with respect to the Notes of a series at the time outstanding occurs and is continuing, then the principal of such outstanding Notes will be deemed to have been declared, and will become, immediately and automatically, due and payable, to the extent permitted by the Insolvency Law. For the avoidance of doubt, only an Event of Default (rather than any breach or default under the Indenture or the Notes) may give rise to such a declaration of acceleration.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">At any time after such a declaration of acceleration with respect to the Notes of a series has been made and before a judgment or decree for payment of the money due has been obtained by the Trustee as provided in the Indenture, the holders of not less than a majority in principal amount of the outstanding Notes of such series may by Act, rescind and annul such declaration and its consequences if&#58; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;1.&#160;&#160;&#160;&#160;BBVA has paid or deposited with the Trustee a sum of money sufficient to pay&#58; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(A)&#160;&#160;&#160;&#160;all overdue installments of any interest on and Additional Amounts with respect to all Notes of such series&#59; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(B)&#160;&#160;&#160;&#160;the principal of and any premium on any Notes of such series which have become due otherwise than by such declaration of acceleration and interest thereon and any Additional Amounts with respect thereto at the rate or rates borne by or provided for in such Notes&#59; </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(C)&#160;&#160;&#160;&#160;to the extent that payment of such interest or Additional Amounts is lawful, interest upon overdue installments of any interest and Additional Amounts at the rate or rates borne by or provided for in such Notes&#59; and </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;(D)&#160;&#160;&#160;&#160;all sums paid or advanced by the Trustee under the Indenture and the reasonable compensation, expenses, disbursements and advances of the Trustee, its agents and counsel and all other amounts due to the Trustee under the Indenture&#59; and </font></div><div style="margin-bottom:12pt;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  &#160;&#160;&#160;&#160;2.&#160;&#160;&#160;&#160;the Event of Default with respect to the Notes of such series shall have been cured or waived as provided in the Indenture. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No such rescission shall affect any subsequent default or impair any right consequent thereon. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the payment of certain amounts due to the Trustee (as set forth in prong 1.(D) in the second immediately preceding paragraph), the holders of not less than a majority in principal amount of the outstanding Notes of a series on behalf of the holders of all the Notes of such series may, by Act, waive any past default under the Indenture (with respect to such Notes) and such Notes and its consequences, except a default in the payment of the principal of or any premium, or interest on, or any Additional Amounts with respect to, any Note of such series or in respect of a covenant or provision of the Indenture that cannot be modified or amended without the consent of the holder of each outstanding Note of such series. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No holder of any Note of any series has the right to institute any proceeding, judicial or otherwise, with respect to the Indenture, or for the appointment of a receiver or trustee, or for any other remedy thereunder, unless (i) such holder has previously given written notice to the Trustee of a continuing Event of Default with respect to the Notes of such series&#59; (ii) the holders of not less than 25% in principal amount of the outstanding Notes of such series have made written request to the Trustee to institute proceedings in respect of such Event of Default in its own name as Trustee under the Indenture with respect to such Notes and such holder or holders have offered to the Trustee reasonable indemnity against the costs, expenses and liabilities to be incurred in compliance with such request&#59; (iii) the Trustee for 60 days after its receipt of such notice, request and offer of indemnity has failed to institute any such proceeding&#59; and (iv) no direction inconsistent with such written request has been given to the Trustee during such 60-day period by the holders of a majority in principal amount of the outstanding Notes of such series.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">46</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Except as set forth in the immediately following paragraph, notwithstanding anything to the contrary in the Indenture and the Notes of the relevant series, each holder of a Note will have the right, which is absolute and unconditional, to receive payment of the principal of, any premium and, subject to certain provisions in the Indenture with respect to payment of defaulted interest, interest on, and any Additional Amounts with respect to, such Note on or after the respective due dates therefor specified in such Note (or, in the case of redemption, on or after the redemption date) and to institute suit for the enforcement of any such payment, and such right cannot be impaired or affected without the consent of such holder, except that holders of not less than 75% in principal amount of the outstanding Notes of such series may consent by Act, on behalf of the holders of all outstanding Notes of such series, to the postponement of the due date of any installment of interest for a period not exceeding three years from the original due date of such installment (which original due date shall have been fixed, for the avoidance of doubt, prior to any previous postponements of such installment). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes of any series may be subject to the exercise of the Spanish Bail-in Power, and no holder of any Note shall have any claim against BBVA in connection with or arising out of any such exercise. No repayment or payment of Amounts Due on the Notes of any series will become due and payable or be paid after the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority if, and to the extent that, such amounts have been reduced, converted, cancelled, amended or altered as a result of such exercise. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Within 90 days after the occurrence of any default under the Indenture known to the Trustee with respect to the Notes of a series, the Trustee shall transmit by mail to all holders of Notes of such series entitled to receive reports, notice of such default, unless such default shall have been cured or waived&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that the Trustee shall be protected in withholding such notice if and so long as the board of directors, the executive committee or a trust committee of directors and&#47;or responsible officers of the Trustee in good faith determine that the withholding of such notice is in the best interest of the holders of the Notes of such series. For the purpose of this paragraph, the term &#8220;default&#8221; means any event which is, or after notice or lapse of time or both would become, an Event of Default with respect to Notes of such series. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means any request, demand, authorization, direction, notice, consent, waiver or other action provided by or pursuant to the Indenture to be given or taken by holders of the Notes of a series and the written instrument or instruments in which such action is embodied and by which such action is evidenced. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Substitution and Modification</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding anything to the contrary in the Notes or the Indenture, if an Eligible Liabilities Event occurs and is continuing with respect to any series of Notes, including as a result of any change in law or regulation or the application or official interpretation thereof, BBVA may substitute all (but not less than all) of the Notes of such series or modify the terms of all (but not less than all) of the Notes of such series, without the consent or approval of the holders or beneficial owners of the Notes, so that the Notes are substituted by, or their terms are modified to, become again, or remain, Qualifying Securities (as defined in the Indenture), subject to&#58; (i) having given not less than 30 nor more than 90 days&#8217; notice to the holders of such Notes in accordance with the Indenture and to the Trustee (which notice shall be irrevocable and shall specify the date for substitution or, as applicable, modification)&#59; (ii) the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations&#59; and (iii) any variation in the terms of such Notes resulting from such modification or, if such Notes are substituted, any difference between the terms of the Notes and those of the Qualifying Securities by which such Notes are substituted, not being materially prejudicial to the interests of the holders of such Notes and BBVA having delivered an officer&#8217;s certificate to the Trustee to that effect not less than five Business Days prior to (a) in the case of a substitution of the Notes, the Issue Date of the relevant Qualifying Securities by which the Notes are substituted or (b) in the case of a modification of the terms and conditions of the Notes, the date such modification becomes effective. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">47</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the case of a modification of the terms and conditions of the Notes of a series, any variation in the ranking of such Notes resulting from any such modification or, in the case of a substitution of the Notes, any difference between the ranking of the Notes and that of the Qualifying Securities by which the Notes are substituted, shall be deemed not to be prejudicial to the interests of the holders of such Notes where the ranking of the Notes or, if the Notes are substituted, of the Qualifying Securities by which the Notes are substituted, following such substitution or modification, as the case may be, is at least the same ranking as was applicable to the Notes of such series on their Issue Date. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Notes of a series are substituted in accordance with the paragraphs set forth above, the Notes of such series will cease to bear interest from (and including) the date of such substitution. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Note or any beneficial interest therein, each holder and beneficial owner of such Note, (i) acknowledges, accepts, consents to and agrees to be bound by the substitution of or modification to the terms of the Notes as set forth above and to grant to BBVA and the Trustee full power and authority to take any action and&#47;or to execute and deliver any document in the name and&#47;or on behalf of such holder or beneficial owner, as the case may be, which is necessary or convenient to complete the substitution of or modification to the terms of the Notes, as applicable&#59; and (ii) to the extent permitted by the Trust Indenture Act, waives any and all claims, in law and&#47;or in equity, against the Trustee and&#47;or BBVA for, agrees not to initiate a suit against the Trustee and&#47;or BBVA in respect of, and agrees that neither the Trustee nor BBVA shall be liable for, any action that the Trustee or BBVA takes, or abstains from taking, in either case in connection with the substitution of or modification to the terms of the Notes upon the occurrence of an Eligible Liabilities Event. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Outstanding Notes </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Among other provisions, in determining whether the holders of the requisite principal amount of outstanding Notes of a series have given any request, demand, authorization, direction, notice, consent or waiver under the Notes of such series or the Indenture, any Note of such series owned by BBVA or any other obligor upon such Notes or any affiliate of BBVA or such other obligor (if any such Notes are so owned), will be deemed not to be outstanding. In addition, the portion of the principal amount of an original issue discount Note (if any) of such series that will be deemed outstanding will be the amount that would be declared due and payable as of the date of determination. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Modifications and Waivers </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Modification of the Indenture with Consent of Holders </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">With the consent, as evidenced in an Act or Acts, as the case may be, of the holders of not less than a majority in principal amount of the Notes of each relevant series outstanding immediately prior thereto affected thereby, voting as a class, BBVA and the Trustee may enter into an indenture or indentures supplemental to the Indenture for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Indenture or the Notes of such series or of modifying in any manner the rights of the holders of the Notes of such series under the Indenture and of waiving future compliance with respect to the Indenture and the Notes of such series&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that no such supplemental indenture, without the consent of the holder of each Note outstanding immediately prior thereto affected thereby, shall&#58; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the stated maturity of the principal of, or any premium or installment of interest on, or any Additional Amounts with respect to, any such Note, or reduce the principal amount thereof or the rate of interest thereon (except that holders of not less than 75% in principal amount of the outstanding Notes of a series may consent by Act, on behalf of the holders of all of the outstanding Notes of such series, to the postponement of the due date of any installment of interest for a period not exceeding three years from the original due date of such installment (which original due date shall have been fixed, for the avoidance of doubt, prior to any previous postponements of such installment)) or any Additional Amounts with respect thereto&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change any premium payable upon the redemption of such Notes or otherwise&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the obligation of BBVA to pay Additional Amounts&#59; </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">48</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">reduce the amount of the principal of an original issue discount Note (if any) that would be due and payable upon a declaration of acceleration of the maturity of the Note (following an Event of Default) or the amount thereof provable in bankruptcy&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the redemption provisions&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change the place of payment or currency in which the payment of principal, any premium, interest or any Additional Amounts is payable&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">impair the right to take legal action to enforce the payment when due of principal, any premium, interest or any Additional Amounts with respect to the Notes&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">reduce the percentage in principal amount of outstanding Notes of a series the consent of whose holders is required for any supplemental indenture or to waive compliance with, or defaults under, the Indenture or reduce the requirement for a quorum or voting&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">modify the provisions of the Indenture that govern modification thereof with the consent of holders or give waivers of past defaults, and the consequences of such defaults, except to increase the percentage of outstanding Notes the consent of whose holders is required to modify and amend the Indenture or to give any such waiver and except to provide that additional provisions of the Indenture cannot be modified or waived without the consent of each holder of Notes affected thereby&#59; or </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">change in any manner adverse to the interests of the holders of outstanding Notes the terms and conditions of the obligations of BBVA in respect of the due and punctual payment of principal, premium or interest (including Additional Amounts), if any, thereon&#59; </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">except in each case with respect to any modification or amendment of the Indenture or the Notes which is entered into pursuant to, and in accordance with, the provisions described below under &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Modification of the Indenture without Consent of Holders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; (in which each such case neither the consent nor the affirmative vote of any holder of any Note affected will be required).</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the payment of certain amounts due to the Trustee, the holders of not less than a majority in principal amount of the outstanding Notes of a series on behalf of the holders of all the Notes of such series may, by Act, waive any past default under the Indenture (with respect to such Notes) and such Notes and its consequences, except a default in the payment of the principal of or any premium, or interest on, or any Additional Amounts with respect to, any Note of such series or in respect of a covenant or provision of the Indenture that cannot be modified or amended without the consent of the holder of each outstanding Note of such series. </font></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Modification of the Indenture without Consent of Holders </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA and the Trustee may modify and amend the Indenture without the consent of the holders of the Notes of a series to&#58; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">evidence the succession of another person to BBVA, and the assumption by any such successor of the covenants of BBVA in the Indenture and in any Notes of such series&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">add to the covenants of BBVA for the benefit of the holders of Notes of all or any series or to surrender any right or power conferred upon BBVA under the Indenture&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> that such Notes do not cease to be fully eligible for inclusion in the Eligible Liabilities Amount (as defined in the Indenture) as a result thereof and subject further to compliance with the Applicable Banking Regulations&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">establish the form or terms of the securities of any new series&#59; </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">49</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:14.15pt">evidence and provide for the acceptance of appointment by a successor trustee with respect to the Notes of one or more series and to add to or change any of the provisions of the Indenture as is necessary to provide for or facilitate the administration of the trusts thereunder by more than one trustee under the Indenture&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">cure any ambiguity or correct or supplement any defect or inconsistency in the Indenture, or make any other provisions with respect to matters or questions arising under the Indenture which do not adversely affect the interests of the holders of the Notes of any series in any material respect&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">add to, delete from or revise the conditions, limitations and restrictions on the terms or purposes of issue, authentication and delivery of Notes&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">supplement any of the provisions of the Indenture to such extent as shall be necessary to permit the discharge of any series of Notes, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> such action does not adversely affect the interests of any holders of Notes of any series in any material respect&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">add any additional events of default for the benefit of the holders of Notes of any series&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">provided </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">that such Notes do not cease to be fully eligible for inclusion in the Eligible Liabilities Amount as a result thereof and subject further to compliance with the Applicable Banking Regulations&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">secure any Notes&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> that such Notes do not cease to be fully eligible for inclusion in the Eligible Liabilities Amount as a result thereof and subject further to compliance with the Applicable Banking Regulations&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">delete, amend or supplement any provision of the Indenture </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> such actions do not materially adversely affect the interests of the holders of Notes outstanding immediately prior thereto&#59; </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">delete, amend or supplement any provision of the Indenture or the Notes as a result of, and to the extent necessary to effect, the substitution or modification of any Notes for the purposes of becoming again or remaining Qualifying Securities&#59; or</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%;padding-left:14.15pt">delete, amend or supplement any provision of the Indenture or the Notes as a result of, and to the extent required by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Satisfaction and Discharge </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to compliance with the Applicable Banking Regulations and, if required, the prior consent of the Regulator, BBVA may discharge certain obligations to holders of Notes of any series that have not already been delivered to the Trustee for cancellation and that have become due and payable by depositing or causing to be deposited with the Trustee, in trust, funds in an amount sufficient to pay and discharge the entire indebtedness on such Notes, including principal, premium, interest and any Additional Amounts to the date of such deposit. In addition, upon the exercise of the Spanish Bail-in Power with respect to a series of Notes which results in the redemption, cancellation, or the conversion into other securities, of all the Amounts Due on the Notes of such series or such Notes otherwise ceasing to be outstanding, the Indenture shall be deemed satisfied and discharged as to such series of Notes and such Notes shall thereafter be deemed to be not outstanding.  </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes will not be subject to legal defeasance or covenant defeasance, as each are described in the Indenture.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">50</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Consolidation, Merger and Conveyance of Assets&#59; Assumption </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Nothing contained in the Indenture or in any of the Notes shall prevent any reconstruction, consolidation, amalgamation or merger of BBVA with or into any other person or persons (whether or not affiliated with BBVA), or successive reconstructions, consolidations, amalgamations or mergers in which BBVA or the successor or successors of BBVA shall be a party or parties, or shall prevent any sale, transfer, conveyance or lease of the property of BBVA as an entirety or substantially as an entirety, to any other person (whether or not affiliated with BBVA)&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> that any person formed by any reconstruction, consolidation, amalgamation or merger, or any transferee or lessee of BBVA&#8217;s assets shall expressly (except where such assumption is automatic by operation of law) assume the due and punctual payment of the principal of (and premium, if any), interest and Additional Amounts, if any, on the Notes in accordance with the provisions thereof and the Indenture, and the performance of every covenant of the Indenture on the part of BBVA to be performed or observed.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In addition, any holding company or wholly-owned subsidiary of BBVA may assume BBVA&#8217;s obligations under the Notes of any series without the consent of any holder of Notes&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> that certain conditions are satisfied, including that, immediately after such assumption, the successor person has ratings for long-term senior debt assigned by Standard &#38; Poor&#8217;s Ratings Services or Moody&#8217;s Investors Service, Inc. (or their respective successors) which are the same as, or higher than, the credit rating for long-term senior debt of BBVA (or, if applicable, the previous successor person) assigned by Standard &#38; Poor&#8217;s Ratings Services or Moody&#8217;s Investors Service, Inc. (or their respective successors). </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event of any reconstruction, consolidation, amalgamation, merger, sale, transfer, conveyance or lease, or any assumption of obligations under the Notes of a series permitted by the Indenture, the acquiring, resulting or successor person, as the case may be, shall succeed to, and substitute, and may exercise every right and power of, BBVA under the Indenture with respect to any such Notes with the same effect as if such person had been named as BBVA in the Indenture, and BBVA or any legal and valid successor person which shall theretofore have become such in the manner prescribed in the Indenture, shall be released from all liability as obligor and any other obligations and covenants under the Indenture and under any such Notes, as the case may be. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In the event the acquiring, resulting or successor person is not incorporated or tax resident in Spain, Additional Amounts under the Notes will thereafter be payable in respect of taxes imposed by the acquiring, resulting or successor person&#8217;s jurisdiction of incorporation or tax residence (subject to exceptions equivalent to those that apply to the obligation to pay Additional Amounts for taxes imposed by the laws of Spain) rather than taxes imposed by Spain. In addition, such acquiring, resulting or successor person not incorporated or tax resident in Spain will be entitled to redeem the Notes in the circumstances described in the first paragraph of &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Redemption&#8212;Early Redemption for Taxation Reasons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; upon any change in or any amendment to the laws or regulations of such acquiring, resulting or successor person&#8217;s jurisdiction of incorporation or tax residence (including any treaty to which such jurisdiction is a party) or any political subdivision or any authority or agency thereof or therein having power to tax, or any change in the application or official interpretation of such laws or regulations&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> that the relevant change, amendment, application or interpretation has become effective subsequent to the date of the reconstruction, consolidation, amalgamation, merger, sale, transfer, conveyance, lease or assumption, as the case may be.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">The Trustee </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Bank of New York Mellon, the Trustee currently appointed pursuant to the Indenture, has its principal corporate trust office located at 240 Greenwich Street, New York, NY 10286, and the Indenture is administered by The Bank of New York Mellon acting (except with respect to its role as security registrar) through its London Branch at One Canada Square, London E14 5AL, United Kingdom or such other location as notified by the Trustee to BBVA from time to time. The Trustee and any trustee appointed pursuant to the Indenture shall have and be subject to all the duties and responsibilities specified with respect to an indenture trustee under the Trust Indenture Act. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s obligation to indemnify the Trustee in accordance with the Indenture shall survive the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to any Notes. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">51</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder of Notes, to the extent permitted by the Trust Indenture Act, waives any and all claims, in law and&#47;or in equity, against the Trustee for, agrees not to initiate a suit against the Trustee in respect of, and agrees that the Trustee shall not be liable for, any action that the Trustee takes, or abstains from taking, in either case in accordance with the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to any Notes. Additionally, by its acquisition of any Notes, each holder thereof acknowledges and agrees that, upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series, (i) the Trustee shall not be required to take any further directions from holders with respect to any portion of the Notes of such series that is written down, converted to equity and&#47;or cancelled under the provision of the Indenture which authorizes holders of a majority in aggregate outstanding principal amount of the Notes to direct certain actions relating to the Notes&#59; and (ii) the Indenture shall not impose any duties upon the Trustee whatsoever with respect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to such Notes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding the foregoing, if, following the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to any series of Notes, any Notes of such series remain outstanding (for example, if such exercise results in only a partial write-down of the principal amount of the Notes of such series), then there shall at all times be a trustee for the Notes of such series in accordance with the Indenture, and the resignation and&#47;or removal of the Trustee and the appointment of a successor trustee shall continue to be governed by the Indenture, including to the extent no additional supplemental indenture or amendment is agreed between BBVA and the Trustee following the completion of the exercise of the Spanish Bail-in Power. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the provisions of the Trust Indenture Act, the Trustee is under no obligation to exercise any of the rights or powers vested in it by the Indenture at the request of any holder of Notes, unless such holders have offered to the Trustee reasonable security or indemnity satisfactory to the Trustee against the costs, expenses and liabilities which might be incurred thereby. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA and some of its subsidiaries maintain deposits with and conduct other banking transactions with The Bank of New York Mellon in the ordinary course of business. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Successor Trustees and Other Successor Agents</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Trustee may resign or be removed by holders of a majority in principal amount of Notes at any time, effective upon the acceptance by a successor Trustee of the respective appointment. The Indenture provides that any successor Trustee will have a combined capital and surplus of not less than $50,000,000 and shall be a corporation, association, company or business trust organized and doing business under the laws of the United States or any of its states or territories or the District of Columbia and in good standing. No person shall accept its appointment as a successor Trustee with respect to the Notes unless at the time of such acceptance such successor Trustee shall be qualified and eligible under the Indenture.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Additionally, each of the Paying Agent and the Calculation Agent may resign or be removed by BBVA, subject to certain notice requirements and the appointment of a successor Paying Agent or Calculation Agent, as the case may be, as provided in the Indenture.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Repayment of Funds </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All monies paid by BBVA to the Trustee or the Paying Agent for payment of principal, premium or interest and any Additional Amounts on any Notes which remain unclaimed at the end of two years after that payment has become due and payable will be paid to BBVA, on BBVA&#8217;s request, and all liability of the Trustee or the Paying Agent related to it will cease, and, if permitted by law, the holder of the applicable Note will look only to BBVA for any payment which such holder may be entitled to collect. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">52</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Prescription</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In accordance with applicable law, all claims against BBVA for payment of principal, premium, interest or Additional Amounts on or in respect of any Notes will become void unless made within the earlier of (i) six years or (ii) any applicable shorter period provided for under New York law, starting from the later of the date on which that payment first became due and the date on which the full amount was received by the Trustee or the Paying Agent.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Governing Law </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes and the Indenture shall be governed by and construed in accordance with the laws of the State of New York applicable to agreements made or instruments entered into and, in each case, performed in said state, except that the authorization and execution by BBVA of the Indenture and the authorization, issuance and execution by BBVA of the Notes of each series shall be governed by and construed in accordance with the common laws of Spain. In addition, certain provisions of the Notes of each series and the Indenture related to the status and ranking of the Notes, the waiver of the right of set-off and the agreement by holders of Notes with respect to the exercise and effects of the Spanish Bail-in Power shall be governed by and construed in accordance with the common laws of Spain. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Submission to Jurisdiction </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Except as provided in the paragraph immediately below, BBVA irrevocably submits to the non-exclusive jurisdiction of any U.S. federal or state court in the Borough of Manhattan, The City of New York, New York, in any suit or proceeding arising out of or relating to the Indenture or the Notes and irrevocably waives, to the extent it may effectively do so, any objection which it may have now or hereafter to the laying of the venue of any such suit or proceeding. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding anything to the contrary in the Notes or the Indenture, the Spanish courts shall have exclusive jurisdiction in respect of any suit or proceeding arising out of or relating to the Indenture or the Notes arising out of, relating to or in connection with the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Bail-in Dispute</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and accordingly each of BBVA, the Trustee, each holder and beneficial owner of any Note and each paying agent, transfer agent, authenticating agent and security registrar submits, to the extent it may effectively do so, to the exclusive jurisdiction of the Spanish courts in relation to any Bail-in Dispute. Each of BBVA, the Trustee, each holder and beneficial owner of any Notes and each paying agent, transfer agent, authenticating agent and security registrar further irrevocably waives, to the extent it may effectively do so, any objection to the Spanish courts on the grounds that they are an inconvenient or inappropriate forum in respect of any Bail-in Dispute.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Agreement with Respect to the Exercise of the Spanish Bail-in Power  </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding anything to the contrary in the Notes, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Notes, by its acquisition of any Notes, each holder (including each holder of a beneficial interest in the Notes) acknowledges, accepts, consents to and agrees to be bound by&#58; (i) the exercise and effects of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority, which may be imposed with or without any prior notice with respect to the Notes of any series, and may include and result in any of the following, or some combination thereof&#58; (a) the reduction or cancellation of all, or a portion, of the Amounts Due on such Notes&#59; (b) the conversion of all, or a portion, of the Amounts Due on such Notes into shares, other securities or other obligations of BBVA or another person (and the issue to or conferral on the holder of any such shares, securities or obligations), including by means of an amendment, modification or variation of the terms of such Notes&#59; (c) the cancellation of such Notes&#59; (d) the amendment or alteration of the maturity of such Notes or amendment of the amount of interest payable on such Notes, or the date on which the interest becomes payable, including by suspending payment for a temporary period&#59; and (ii) the variation of the terms of the Notes of any series, or the rights of the holders thereunder or under the Indenture, as deemed necessary by the Relevant Spanish Resolution Authority, to give effect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">53</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Amounts Due</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, with respect to the Notes of a series, means the principal amount of or outstanding amount (if applicable), together with any accrued but unpaid interest, Additional Amounts and premium (if any) due on the Notes of such series. References to such amounts will include amounts that have become due and payable, but which have not been paid, prior to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority. References to such amounts will also include amounts held in trust by BBVA, any paying agent or the Trustee pursuant to the Indenture. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder thereof acknowledges and agrees that neither a reduction or cancellation, in part or in full, of the Amounts Due on the Notes of any series, or the conversion thereof into another security or obligation of BBVA or another person, in each case as a result of the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to BBVA, nor the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series, shall&#58; (i) give rise to a default or event of default for purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act or (ii) be a default or an Event of Default with respect to the Notes of any series or under the Indenture. By its acquisition of any Notes, each holder of Notes further acknowledges and agrees that no repayment or payment of Amounts Due on the Notes will become due and payable or be paid after the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority if, and to the extent that, such amounts have been reduced, converted, cancelled, amended or altered as a result of such exercise. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder of Notes, to the extent permitted by the Trust Indenture Act, waives any and all claims, in law and&#47;or in equity, against the Trustee for, agrees not to initiate a suit against the Trustee in respect of, and agrees that the Trustee will not be liable for, any action that the Trustee takes, or abstains from taking, in either case in accordance with the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series. Additionally, by its acquisition of any Notes, each holder of Notes acknowledges and agrees that, upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any series&#58; (i) the Trustee will not be required to take any further directions from the holders of Notes with respect to any portion of the Notes that is written down, converted to equity and&#47;or cancelled under the Indenture&#59; and (ii) the Indenture will not impose any duties upon the Trustee whatsoever with respect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">, that notwithstanding the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any a series, so long as any Notes of such series remain outstanding, there will at all times be a trustee for the Notes of such series in accordance with the Indenture, and the resignation and&#47;or removal of the Trustee and the appointment of a successor trustee will continue to be governed by the Indenture, including to the extent no additional supplemental indenture or amendment is agreed upon in the event the Notes of such series remain outstanding following the completion of the exercise of the Spanish Bail-in Power. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By its acquisition of any Notes, each holder of Notes further agrees to be deemed to have authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds such Notes to take any and all necessary actions, if required, to implement the exercise of the Spanish Bail-in Power with respect to such Notes as it may be imposed, without any further action or direction on the part of such holder of Notes. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of a series, BBVA or the Relevant Spanish Resolution Authority (as the case may be) will provide a written notice to DTC as soon as practicable regarding such exercise of the Spanish Bail-in Power for purposes of notifying the holders of the Notes of such series. BBVA will also deliver a copy of such notice to the Trustee for information purposes.</font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">See &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 3. Key Information&#8212;Risk Factors&#8212;Regulatory, Tax, Compliance and Reporting Risks&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">The Group is subject to a comprehensive regulatory and supervisory framework, including resolution regulations, which could have a material adverse effect on its business, financial condition and results of operations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">in our Annual Report. </font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">54</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:12.2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Subsequent Holders&#8217; Agreement </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of any Notes that acquire such Notes in the secondary market or otherwise shall be deemed to acknowledge and agree to be bound by and consent to the same provisions specified herein and in the Indenture to the same extent as the holders that acquire such Notes upon their initial issuance, including, without limitation, with respect to the acknowledgment and agreement to be bound by and consent to the terms of the Notes related to the exercise and effects of the Spanish Bail-in Power set forth under &#8220;&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Agreement with Respect to the Exercise of the Spanish Bail-in Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Purchases of the Notes </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA or any of its subsidiaries may at any time purchase the Notes at any price in the open market or otherwise (subject to such purchase being in compliance with Applicable Banking Regulations then in force, and subject to the prior consent of the Regulator if required pursuant to such regulations). Purchased Notes may be held, resold or, at the option of BBVA, surrendered to the Trustee for cancellation (subject to such holding, resale or cancellation being in compliance with Applicable Banking Regulations).  </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Maintenance of Tax Procedures </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Indenture provides for the timely provision by the Paying Agent of a duly executed and completed Payment Statement in connection with each payment of income (as defined below) under the Notes, and sets forth certain procedures agreed by BBVA and the Paying Agent which aim to facilitate such process, along with a form of the Payment Statement to be used by the Paying Agent. For these purposes, &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means interest paid on an Interest Payment Date or the amount of the difference, if any, between the aggregate Redemption Price paid upon the redemption of the Notes (or a portion thereof) and the aggregate principal amount of such Notes, as applicable. In addition, BBVA has agreed to, so long as any principal amount of such Notes remains outstanding and insofar as it is practicable, maintain, implement or arrange for the implementation of procedures to facilitate the timely provision of a duly executed and completed Payment Statement in connection with each payment of income under such Notes or the collection of any other documentation concerning such Notes or the beneficial owners thereof that may be required under Spanish law for payments on such Notes not to be subject to Spanish withholding tax. </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Paying Agent fails to deliver a duly executed and completed Payment Statement on a timely basis, in respect of an Interest Payment Date or in connection with a redemption of the Notes of a series, then the related payment will be subject to Spanish withholding tax. If this were to occur, BBVA would not pay Additional Amounts. </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Notices </font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All notices to holders of Notes shall be validly given if in writing and mailed first-class postage prepaid to them at their respective addresses in the register maintained by the security registrar. While the Notes are in global form, any notice given to the holder of a Note shall be sufficiently given if such notice is given to such holder through DTC, in accordance with DTC&#8217;s applicable procedures from time to time.</font></div><div style="height:58.32pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#929292;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">55</font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12.1
<SEQUENCE>4
<FILENAME>exhibit121.htm
<DESCRIPTION>EX-12.1
<TEXT>
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<title>Document</title></head><body><div id="id20c1af618424d3f890fb3ed3ad09e0d_1"></div><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><font><br></font></div></div><div style="margin-top:9pt;text-align:right;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Exhibit 12.1</font></div><div style="margin-top:9pt;text-align:center;text-indent:36pt"><font><br></font></div><div style="margin-top:9pt;text-align:center;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%;text-decoration:underline">CERTIFICATION</font></div><div style="margin-top:9pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">I, Carlos Torres Vila, certify that&#58; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">I have reviewed this annual report on Form 20-F of Banco Bilbao Vizcaya Argentaria, S.A.&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The company&#8217;s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have&#58; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; and </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Disclosed in this report any change in the company&#8217;s internal control over financial reporting that occurred during the period covered by the annual report that has materially affected, or is reasonably likely to materially affect, the company&#8217;s internal control over financial reporting&#59; and </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The company&#8217;s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the company&#8217;s auditors and the audit committee of the company&#8217;s board of directors (or persons performing the equivalent functions)&#58; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information&#59; and </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#8217;s internal control over financial reporting. </font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:40.040%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Date&#58; March 6, 2023</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"><br></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#47;s&#47; Carlos Torres Vila</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Chair</font></td></tr></table></div><div style="text-indent:36pt"><font><br></font></div><div style="height:70.84pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-indent:36pt"><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12.2
<SEQUENCE>5
<FILENAME>exhibit122.htm
<DESCRIPTION>EX-12.2
<TEXT>
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<title>Document</title></head><body><div id="i4ec5ae962b6e48d0923fca24056cdd62_1"></div><div style="min-height:49.5pt;width:100%"><div style="text-indent:36pt"><font><br></font></div></div><div style="margin-top:9pt;text-align:right;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Exhibit 12.2</font></div><div style="text-align:center;text-indent:36pt"><font><br></font></div><div style="text-align:center;text-indent:36pt"><font><br></font></div><div style="text-align:center;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%;text-decoration:underline">CERTIFICATION</font></div><div style="margin-top:9pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">I, Onur Gen&#231;, certify that&#58; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">I have reviewed this annual report on Form 20-F of Banco Bilbao Vizcaya Argentaria, S.A.&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The company&#8217;s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have&#58; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; and </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Disclosed in this report any change in the company&#8217;s internal control over financial reporting that occurred during the period covered by the annual report that has materially affected, or is reasonably likely to materially affect, the company&#8217;s internal control over financial reporting&#59; and </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The company&#8217;s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the company&#8217;s auditors and the audit committee of the company&#8217;s board of directors (or persons performing the equivalent functions)&#58; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information&#59; and </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#8217;s internal control over financial reporting. </font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:40.040%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Date&#58; March 6, 2023</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"><br></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#47;s&#47; Onur Gen&#231;</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Chief Executive Officer</font></td></tr></table></div><div style="text-indent:36pt"><font><br></font></div><div style="height:70.84pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-indent:36pt"><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12.3
<SEQUENCE>6
<FILENAME>exhibit123.htm
<DESCRIPTION>EX-12.3
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head>
<!-- Document created using Wdesk -->
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<title>Document</title></head><body><div id="i2baf8df3e01545d79242ec256d1ab8bf_1"></div><div style="min-height:58.5pt;width:100%"><div style="text-indent:36pt"><font><br></font></div></div><div style="margin-top:9pt;text-align:right;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Exhibit 12.3</font></div><div style="text-align:center;text-indent:36pt"><font><br></font></div><div style="text-align:center;text-indent:36pt"><font><br></font></div><div style="text-align:center;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%;text-decoration:underline">CERTIFICATION</font></div><div style="margin-top:9pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">I, Rafael Salinas Mart&#237;nez de Lecea, certify that&#58; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">I have reviewed this annual report on Form 20-F of Banco Bilbao Vizcaya Argentaria, S.A.&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report&#59; </font></div><div style="margin-top:4.5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:9.75pt">The company&#8217;s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have&#58; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59; </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; 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</font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.8pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information&#59; and </font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:5.18pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#8217;s internal control over financial reporting.</font></div><div style="margin-top:4.5pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font><br></font></div><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:44.274%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Date&#58; 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<TYPE>EX-13.1
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<title>Document</title></head><body><div id="i502aaf23a7e446189bb52b44c3eaed6c_1"></div><div style="min-height:70.84pt;width:100%"><div style="text-indent:36pt"><font><br></font></div></div><div style="margin-top:9pt;text-align:right;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Exhibit 13.1</font></div><div style="text-align:center;text-indent:36pt"><font><br></font></div><div style="text-align:center;text-indent:36pt"><font><br></font></div><div style="text-align:center;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%;text-decoration:underline">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,</font></div><div style="text-align:center;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%;text-decoration:underline">AS ADOPTED PURSUANT TO</font></div><div style="text-align:center;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%;text-decoration:underline">SECTION 906 OF THE SARBANES OXLEY ACT OF 2002</font></div><div style="margin-bottom:5pt;margin-top:9pt;text-align:justify;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The certification set forth below is being submitted in connection with the Annual Report on Form 20-F for the year ended December 31, 2022 (the &#8220;Annual Report&#8221;) for the purpose of complying with Rule 13a-14(b) or Rule 15d-14(b) of the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) and Section 1350 of Chapter 63 of Title 18 of the United States Code. </font></div><div style="margin-bottom:5pt;margin-top:9pt;text-align:justify;text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Carlos Torres Vila, the Chair, Onur Gen&#231;, the Chief Executive Officer, and Rafael Salinas Mart&#237;nez de Lecea, the Chief Financial Officer, of Banco Bilbao Vizcaya Argentaria, S.A., each certifies that, to the best of his knowledge&#58; </font></div><div style="padding-left:36pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;padding-left:5.25pt">the Annual Report fully complies with the requirements of Section 13(a) or 15(d) of the Exchange Act&#59; and </font></div><div style="padding-left:36pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;padding-left:5.25pt">the information contained in the Annual Report fairly presents, in all material respects, the financial condition and results of operations of Banco Bilbao Vizcaya Argentaria, S.A.</font></div><div style="margin-top:18pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Date&#58; 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<TYPE>EX-15.1
<SEQUENCE>8
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<DESCRIPTION>EX-15.1
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<title>Document</title></head><body><div id="ic88bd97761a645e8b200ad706c8f40b2_1"></div><div style="min-height:70.84pt;width:100%"><div><font><br></font></div></div><div style="margin-top:9pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Exhibit&#160;15.1</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></div><div style="margin-bottom:12pt;text-align:center"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Consent of Independent Registered Public Accounting Firm</font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">We consent to the incorporation by reference in the registration statements No. 333-266391 on Form F-3 and Nos. 333-240248, 333-228053, 333-217073, 333-208728, 333-199835, 333-191625, 333-185538, and 333-178186 on Form S-8 of Banco Bilbao Vizcaya Argentaria, S.A. of our reports dated March 6, 2023, with respect to the consolidated financial statements of Banco Bilbao Vizcaya Argentaria, S.A., and the effectiveness of internal control over financial reporting of Banco Bilbao Vizcaya Argentaria, S.A., included in this Annual Report (Form 20-F) of Banco Bilbao Vizcaya Argentaria, S.A. for the year ended December 31, 2022.</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#47;s&#47; Ernst &#38; Young, S.L.</font></div><div style="text-align:justify"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Madrid, Spain</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">March 6, 2023</font></div><div style="height:70.84pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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<TYPE>EX-15.2
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<title>Document</title></head><body><div id="i606be40838bf41c8845e2ccb1c1e42bc_1"></div><div style="min-height:70.87pt;width:100%"><div style="margin-bottom:1pt;margin-top:1pt"><font><br></font></div></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font><br></font></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Exhibit&#160;15.2</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#160;</font></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Consent of Independent Registered Public Accounting Firm</font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-bottom:12pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">We consent to the incorporation by reference in the registration statements (No. 333-266391) on Form F-3 and (Nos. 333-240248, 333-228053, 333-217073, 333&#8209;208728, 333&#8209;199835, 333-191625, 333-185538 and 333-178186) on Form S-8 of our report dated March 4, 2022, with respect to the consolidated financial statements of Banco Bilbao Vizcaya Argentaria, S.A.</font></div><div><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#47;s&#47; KPMG Auditores, S.L.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Madrid, Spain</font></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">March 6, 2023</font></div><div style="height:70.87pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0000008 - Statement - Statement of financial position, order of liquidity (Parentheticals)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note1" roleURI="http://www.bbva.es/role/Note1">
        <link:definition>0000010 - Disclosure - Note 1</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note2" roleURI="http://www.bbva.es/role/Note2">
        <link:definition>0000011 - Disclosure - Note 2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note3" roleURI="http://www.bbva.es/role/Note3">
        <link:definition>0000012 - Disclosure - Note 3</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note4" roleURI="http://www.bbva.es/role/Note4">
        <link:definition>0000013 - Disclosure - Note 4</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note5" roleURI="http://www.bbva.es/role/Note5">
        <link:definition>0000014 - Disclosure - Note 5</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note6" roleURI="http://www.bbva.es/role/Note6">
        <link:definition>0000015 - Disclosure - Note 6</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7" roleURI="http://www.bbva.es/role/Note7">
        <link:definition>0000016 - Disclosure - Note 7</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note8" roleURI="http://www.bbva.es/role/Note8">
        <link:definition>0000017 - Disclosure - Note 8</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note9" roleURI="http://www.bbva.es/role/Note9">
        <link:definition>0000018 - Disclosure - Note 9</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note10" roleURI="http://www.bbva.es/role/Note10">
        <link:definition>0000019 - Disclosure - Note 10</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note11" roleURI="http://www.bbva.es/role/Note11">
        <link:definition>0000020 - Disclosure - Note 11</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note12" roleURI="http://www.bbva.es/role/Note12">
        <link:definition>0000021 - Disclosure - Note 12</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13" roleURI="http://www.bbva.es/role/Note13">
        <link:definition>0000022 - Disclosure - Note 13</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note14" roleURI="http://www.bbva.es/role/Note14">
        <link:definition>0000023 - Disclosure - Note 14</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15" roleURI="http://www.bbva.es/role/Note15">
        <link:definition>0000024 - Disclosure - Note 15</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note16" roleURI="http://www.bbva.es/role/Note16">
        <link:definition>0000025 - Disclosure - Note 16</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note17" roleURI="http://www.bbva.es/role/Note17">
        <link:definition>0000026 - Disclosure - Note 17</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note18" roleURI="http://www.bbva.es/role/Note18">
        <link:definition>0000027 - Disclosure - Note 18</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note19" roleURI="http://www.bbva.es/role/Note19">
        <link:definition>0000028 - Disclosure - Note 19</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note20" roleURI="http://www.bbva.es/role/Note20">
        <link:definition>0000029 - Disclosure - Note 20</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note21" roleURI="http://www.bbva.es/role/Note21">
        <link:definition>0000030 - Disclosure - Note 21</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note22" roleURI="http://www.bbva.es/role/Note22">
        <link:definition>0000031 - Disclosure - Note 22</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note23" roleURI="http://www.bbva.es/role/Note23">
        <link:definition>0000032 - Disclosure - Note 23</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note24" roleURI="http://www.bbva.es/role/Note24">
        <link:definition>0000033 - Disclosure - Note 24</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note25" roleURI="http://www.bbva.es/role/Note25">
        <link:definition>0000034 - Disclosure - Note 25</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note26" roleURI="http://www.bbva.es/role/Note26">
        <link:definition>0000035 - Disclosure - Note 26</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note27" roleURI="http://www.bbva.es/role/Note27">
        <link:definition>0000036 - Disclosure - Note 27</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note28" roleURI="http://www.bbva.es/role/Note28">
        <link:definition>0000037 - Disclosure - Note 28</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note29" roleURI="http://www.bbva.es/role/Note29">
        <link:definition>0000038 - Disclosure - Note 29</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note30" roleURI="http://www.bbva.es/role/Note30">
        <link:definition>0000039 - Disclosure - Note 30</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note31" roleURI="http://www.bbva.es/role/Note31">
        <link:definition>0000040 - Disclosure - Note 31</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note32" roleURI="http://www.bbva.es/role/Note32">
        <link:definition>0000041 - Disclosure - Note 32</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note33" roleURI="http://www.bbva.es/role/Note33">
        <link:definition>0000042 - Disclosure - Note 33</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note34" roleURI="http://www.bbva.es/role/Note34">
        <link:definition>0000043 - Disclosure - Note 34</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note35" roleURI="http://www.bbva.es/role/Note35">
        <link:definition>0000044 - Disclosure - Note 35</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note36" roleURI="http://www.bbva.es/role/Note36">
        <link:definition>0000045 - Disclosure - Note 36</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note37" roleURI="http://www.bbva.es/role/Note37">
        <link:definition>0000046 - Disclosure - Note 37</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note38" roleURI="http://www.bbva.es/role/Note38">
        <link:definition>0000047 - Disclosure - Note 38</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note39" roleURI="http://www.bbva.es/role/Note39">
        <link:definition>0000048 - Disclosure - Note 39</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note40" roleURI="http://www.bbva.es/role/Note40">
        <link:definition>0000049 - Disclosure - Note 40</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note41" roleURI="http://www.bbva.es/role/Note41">
        <link:definition>0000050 - Disclosure - Note 41</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note42" roleURI="http://www.bbva.es/role/Note42">
        <link:definition>0000051 - Disclosure - Note 42</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note43" roleURI="http://www.bbva.es/role/Note43">
        <link:definition>0000052 - Disclosure - Note 43</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note44" roleURI="http://www.bbva.es/role/Note44">
        <link:definition>0000053 - Disclosure - Note 44</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note45" roleURI="http://www.bbva.es/role/Note45">
        <link:definition>0000054 - Disclosure - Note 45</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note46" roleURI="http://www.bbva.es/role/Note46">
        <link:definition>0000055 - Disclosure - Note 46</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note47" roleURI="http://www.bbva.es/role/Note47">
        <link:definition>0000056 - Disclosure - Note 47</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note48" roleURI="http://www.bbva.es/role/Note48">
        <link:definition>0000057 - Disclosure - Note 48</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note49" roleURI="http://www.bbva.es/role/Note49">
        <link:definition>0000058 - Disclosure - Note 49</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note50" roleURI="http://www.bbva.es/role/Note50">
        <link:definition>0000059 - Disclosure - Note 50</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note51" roleURI="http://www.bbva.es/role/Note51">
        <link:definition>0000060 - Disclosure - Note 51</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note52" roleURI="http://www.bbva.es/role/Note52">
        <link:definition>0000061 - Disclosure - Note 52</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note53" roleURI="http://www.bbva.es/role/Note53">
        <link:definition>0000062 - Disclosure - Note 53</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note54" roleURI="http://www.bbva.es/role/Note54">
        <link:definition>0000063 - Disclosure - Note 54</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note55" roleURI="http://www.bbva.es/role/Note55">
        <link:definition>0000064 - Disclosure - Note 55</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note56" roleURI="http://www.bbva.es/role/Note56">
        <link:definition>0000065 - Disclosure - Note 56</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ListofaccountingpoliciesPolicies" roleURI="http://www.bbva.es/role/ListofaccountingpoliciesPolicies">
        <link:definition>0000066 - Disclosure - List of accounting policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note1Tables" roleURI="http://www.bbva.es/role/Note1Tables">
        <link:definition>0000067 - Disclosure - Note 1 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note2Tables" roleURI="http://www.bbva.es/role/Note2Tables">
        <link:definition>0000068 - Disclosure - Note 2 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note3Tables" roleURI="http://www.bbva.es/role/Note3Tables">
        <link:definition>0000069 - Disclosure - Note 3 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note4Tables" roleURI="http://www.bbva.es/role/Note4Tables">
        <link:definition>0000070 - Disclosure - Note 4 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note5Tables" roleURI="http://www.bbva.es/role/Note5Tables">
        <link:definition>0000071 - Disclosure - Note 5 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note6Tables" roleURI="http://www.bbva.es/role/Note6Tables">
        <link:definition>0000072 - Disclosure - Note 6 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7Tables" roleURI="http://www.bbva.es/role/Note7Tables">
        <link:definition>0000073 - Disclosure - Note 7 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8Tables" roleURI="http://www.bbva.es/role/Note8Tables">
        <link:definition>0000074 - Disclosure - Note 8 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note9Tables" roleURI="http://www.bbva.es/role/Note9Tables">
        <link:definition>0000075 - Disclosure - Note 9 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note10Tables" roleURI="http://www.bbva.es/role/Note10Tables">
        <link:definition>0000076 - Disclosure - Note 10 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note11Tables" roleURI="http://www.bbva.es/role/Note11Tables">
        <link:definition>0000077 - Disclosure - Note 11 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note12Tables" roleURI="http://www.bbva.es/role/Note12Tables">
        <link:definition>0000078 - Disclosure - Note 12 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13Tables" roleURI="http://www.bbva.es/role/Note13Tables">
        <link:definition>0000079 - Disclosure - Note 13 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14Tables" roleURI="http://www.bbva.es/role/Note14Tables">
        <link:definition>0000080 - Disclosure - Note 14 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15Tables" roleURI="http://www.bbva.es/role/Note15Tables">
        <link:definition>0000081 - Disclosure - Note 15 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note16Tables" roleURI="http://www.bbva.es/role/Note16Tables">
        <link:definition>0000082 - Disclosure - Note 16 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note17Tables" roleURI="http://www.bbva.es/role/Note17Tables">
        <link:definition>0000083 - Disclosure - Note 17 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note18Tables" roleURI="http://www.bbva.es/role/Note18Tables">
        <link:definition>0000084 - Disclosure - Note 18 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19Tables" roleURI="http://www.bbva.es/role/Note19Tables">
        <link:definition>0000085 - Disclosure - Note 19 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note20Tables" roleURI="http://www.bbva.es/role/Note20Tables">
        <link:definition>0000086 - Disclosure - Note 20 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21Tables" roleURI="http://www.bbva.es/role/Note21Tables">
        <link:definition>0000087 - Disclosure - Note 21 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22Tables" roleURI="http://www.bbva.es/role/Note22Tables">
        <link:definition>0000088 - Disclosure - Note 22 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note23Tables" roleURI="http://www.bbva.es/role/Note23Tables">
        <link:definition>0000089 - Disclosure - Note 23 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note24Tables" roleURI="http://www.bbva.es/role/Note24Tables">
        <link:definition>0000090 - Disclosure - Note 24 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25Tables" roleURI="http://www.bbva.es/role/Note25Tables">
        <link:definition>0000091 - Disclosure - Note 25 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note26Tables" roleURI="http://www.bbva.es/role/Note26Tables">
        <link:definition>0000092 - Disclosure - Note 26 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note27Tables" roleURI="http://www.bbva.es/role/Note27Tables">
        <link:definition>0000093 - Disclosure - Note 27 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note28Tables" roleURI="http://www.bbva.es/role/Note28Tables">
        <link:definition>0000094 - Disclosure - Note 28 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note29Tables" roleURI="http://www.bbva.es/role/Note29Tables">
        <link:definition>0000095 - Disclosure - Note 29 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note30Tables" roleURI="http://www.bbva.es/role/Note30Tables">
        <link:definition>0000096 - Disclosure - Note 30 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note31Tables" roleURI="http://www.bbva.es/role/Note31Tables">
        <link:definition>0000097 - Disclosure - Note 31 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note32Tables" roleURI="http://www.bbva.es/role/Note32Tables">
        <link:definition>0000098 - Disclosure - Note 32 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note33Tables" roleURI="http://www.bbva.es/role/Note33Tables">
        <link:definition>0000099 - Disclosure - Note 33 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note34Tables" roleURI="http://www.bbva.es/role/Note34Tables">
        <link:definition>0000100 - Disclosure - Note 34 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note35Tables" roleURI="http://www.bbva.es/role/Note35Tables">
        <link:definition>0000101 - Disclosure - Note 35 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note36Tables" roleURI="http://www.bbva.es/role/Note36Tables">
        <link:definition>0000102 - Disclosure - Note 36 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note37Tables" roleURI="http://www.bbva.es/role/Note37Tables">
        <link:definition>0000103 - Disclosure - Note 37 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note38Tables" roleURI="http://www.bbva.es/role/Note38Tables">
        <link:definition>0000104 - Disclosure - Note 38 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note39Tables" roleURI="http://www.bbva.es/role/Note39Tables">
        <link:definition>0000105 - Disclosure - Note 39 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note40Tables" roleURI="http://www.bbva.es/role/Note40Tables">
        <link:definition>0000106 - Disclosure - Note 40 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note41Tables" roleURI="http://www.bbva.es/role/Note41Tables">
        <link:definition>0000107 - Disclosure - Note 41 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note42Tables" roleURI="http://www.bbva.es/role/Note42Tables">
        <link:definition>0000108 - Disclosure - Note 42 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note43Tables" roleURI="http://www.bbva.es/role/Note43Tables">
        <link:definition>0000109 - Disclosure - Note 43 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note44Tables" roleURI="http://www.bbva.es/role/Note44Tables">
        <link:definition>0000110 - Disclosure - Note 44 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note45Tables" roleURI="http://www.bbva.es/role/Note45Tables">
        <link:definition>0000111 - Disclosure - Note 45 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note46Tables" roleURI="http://www.bbva.es/role/Note46Tables">
        <link:definition>0000112 - Disclosure - Note 46 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note47Tables" roleURI="http://www.bbva.es/role/Note47Tables">
        <link:definition>0000113 - Disclosure - Note 47 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note48Tables" roleURI="http://www.bbva.es/role/Note48Tables">
        <link:definition>0000114 - Disclosure - Note 48 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note49Tables" roleURI="http://www.bbva.es/role/Note49Tables">
        <link:definition>0000115 - Disclosure - Note 49 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note50Tables" roleURI="http://www.bbva.es/role/Note50Tables">
        <link:definition>0000116 - Disclosure - Note 50 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note51Tables" roleURI="http://www.bbva.es/role/Note51Tables">
        <link:definition>0000117 - Disclosure - Note 51 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note52Tables" roleURI="http://www.bbva.es/role/Note52Tables">
        <link:definition>0000118 - Disclosure - Note 52 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note53Tables" roleURI="http://www.bbva.es/role/Note53Tables">
        <link:definition>0000119 - Disclosure - Note 53 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note54Tables" roleURI="http://www.bbva.es/role/Note54Tables">
        <link:definition>0000120 - Disclosure - Note 54 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note55Tables" roleURI="http://www.bbva.es/role/Note55Tables">
        <link:definition>0000121 - Disclosure - Note 55 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note56Tables" roleURI="http://www.bbva.es/role/Note56Tables">
        <link:definition>0000122 - Disclosure - Note 56 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note1Details" roleURI="http://www.bbva.es/role/Note1Details">
        <link:definition>0000123 - Disclosure - Note 1 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note2DepreciationratesfortangibleassetsDetails" roleURI="http://www.bbva.es/role/Note2DepreciationratesfortangibleassetsDetails">
        <link:definition>0000124 - Disclosure - Note 2 Depreciation rates for tangible assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note3ContributiontoconsolidatedgrouptotalassetsentitiesbymainactivitiesDetails" roleURI="http://www.bbva.es/role/Note3ContributiontoconsolidatedgrouptotalassetsentitiesbymainactivitiesDetails">
        <link:definition>0000125 - Disclosure - Note 3 Contribution to consolidated group total assets entities by main activities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note4AvailableamountforinterimdividendpaymentsDetails" roleURI="http://www.bbva.es/role/Note4AvailableamountforinterimdividendpaymentsDetails">
        <link:definition>0000126 - Disclosure - Note 4 Available amount for interim dividend payments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note4AllocationofearningsDetails" roleURI="http://www.bbva.es/role/Note4AllocationofearningsDetails">
        <link:definition>0000127 - Disclosure - Note 4 Allocation of earnings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note5BasicanddilutedearningspershareDetails" roleURI="http://www.bbva.es/role/Note5BasicanddilutedearningspershareDetails">
        <link:definition>0000128 - Disclosure - Note 5 Basic and diluted earnings per share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note6TotalGroupassetsbyoperatingsegmentsDetails" roleURI="http://www.bbva.es/role/Note6TotalGroupassetsbyoperatingsegmentsDetails">
        <link:definition>0000129 - Disclosure - Note 6 Total Group assets by operating segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note6MainmarginsandprofitbyoperatingsegmentsDetails" roleURI="http://www.bbva.es/role/Note6MainmarginsandprofitbyoperatingsegmentsDetails">
        <link:definition>0000130 - Disclosure - Note 6 Main margins and profit by operating segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7AmountofpaymentdeferralandfinancingwithpublicguaranteesoftheGroupDetails" roleURI="http://www.bbva.es/role/Note7AmountofpaymentdeferralandfinancingwithpublicguaranteesoftheGroupDetails">
        <link:definition>0000131 - Disclosure - Note 7 Amount of payment deferral and financing with public guarantees of the Group (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7AmountofpaymentdeferralandfinancingwithpublicguaranteesbyconceptDetails" roleURI="http://www.bbva.es/role/Note7AmountofpaymentdeferralandfinancingwithpublicguaranteesbyconceptDetails">
        <link:definition>0000132 - Disclosure - Note 7 Amount of payment deferral and financing with public guarantees by concept (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7AmountoffinancingwithpublicguaranteesoftheGroupbystagesDetails" roleURI="http://www.bbva.es/role/Note7AmountoffinancingwithpublicguaranteesoftheGroupbystagesDetails">
        <link:definition>0000133 - Disclosure - Note 7 Amount of financing with public guarantees of the Group by stages (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7PositivescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails" roleURI="http://www.bbva.es/role/Note7PositivescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails">
        <link:definition>0000134 - Disclosure - Note 7 Positive scenario of GDP, unemployment rate and HPI for the main geographies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7BasescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails" roleURI="http://www.bbva.es/role/Note7BasescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails">
        <link:definition>0000135 - Disclosure - Note 7 Base scenario of GDP, unemployment rate and HPI for the main geographies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7NegativescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails" roleURI="http://www.bbva.es/role/Note7NegativescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails">
        <link:definition>0000136 - Disclosure - Note 7 Negative scenario of GDP, unemployment rate and HPI for the main geographies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ExpectedlossvariationasofdecemberDetails" roleURI="http://www.bbva.es/role/Note7ExpectedlossvariationasofdecemberDetails">
        <link:definition>0000137 - Disclosure - Note 7 Expected loss variation as of december (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7MaximumcreditriskexposureDetails" roleURI="http://www.bbva.es/role/Note7MaximumcreditriskexposureDetails">
        <link:definition>0000138 - Disclosure - Note 7 Maximum credit risk exposure (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7MaximumCreditRiskExposureaccumulatedallowancesandcarryingamountbygeographicallocationDetails" roleURI="http://www.bbva.es/role/Note7MaximumCreditRiskExposureaccumulatedallowancesandcarryingamountbygeographicallocationDetails">
        <link:definition>0000139 - Disclosure - Note 7 Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7MaximumcreditriskexposureaccumulatedallowancesandcarryingamountbycounterpartyDetails" roleURI="http://www.bbva.es/role/Note7MaximumcreditriskexposureaccumulatedallowancesandcarryingamountbycounterpartyDetails">
        <link:definition>0000140 - Disclosure - Note 7 Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7LoansandadvancesbreakdownbycounterpartyandproductDetails" roleURI="http://www.bbva.es/role/Note7LoansandadvancesbreakdownbycounterpartyandproductDetails">
        <link:definition>0000141 - Disclosure - Note 7 Loans and advances breakdown by counterparty and product (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ImpairedloansandadvancesatamortizedcostcoveredbycollateralDetails" roleURI="http://www.bbva.es/role/Note7ImpairedloansandadvancesatamortizedcostcoveredbycollateralDetails">
        <link:definition>0000142 - Disclosure - Note 7 Impaired loans and advances at amortized cost covered by collateral (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7GuaranteesReceivedDetails" roleURI="http://www.bbva.es/role/Note7GuaranteesReceivedDetails">
        <link:definition>0000143 - Disclosure - Note 7 Guarantees Received (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7AbridgedscaletoclassifyBBVAgroupoutstandingriskDetails" roleURI="http://www.bbva.es/role/Note7AbridgedscaletoclassifyBBVAgroupoutstandingriskDetails">
        <link:definition>0000144 - Disclosure - Note 7 Abridged scale to classify BBVA group outstanding risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ProbabilityofdefaultofloansandadvancestocustomersDetails" roleURI="http://www.bbva.es/role/Note7ProbabilityofdefaultofloansandadvancestocustomersDetails">
        <link:definition>0000145 - Disclosure - Note 7 Probability of default of loans and advances to customers (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Nota7ProbabilityofdefaultofcontingentriskandcommitmentsDetails" roleURI="http://www.bbva.es/role/Nota7ProbabilityofdefaultofcontingentriskandcommitmentsDetails">
        <link:definition>0000146 - Disclosure - Nota 7 Probability of default of contingent risk and commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ImpairedsecuredloansrisksDetails" roleURI="http://www.bbva.es/role/Note7ImpairedsecuredloansrisksDetails">
        <link:definition>0000147 - Disclosure - Note 7 Impaired secured loans risks (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ChangesinimpairedfinancialassetsandguaranteesgivenDetails" roleURI="http://www.bbva.es/role/Note7ChangesinimpairedfinancialassetsandguaranteesgivenDetails">
        <link:definition>0000148 - Disclosure - Note 7 Changes in impaired financial assets and guarantees given (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ChangesinimpairedfinancialassetswrittenofffromthebalancesheetDetails" roleURI="http://www.bbva.es/role/Note7ChangesinimpairedfinancialassetswrittenofffromthebalancesheetDetails">
        <link:definition>0000149 - Disclosure - Note 7 Changes in impaired financial assets written off from the balance sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ChangesingrossaccountingbalancesofloansandadvancesatamortizedcostDetails" roleURI="http://www.bbva.es/role/Note7ChangesingrossaccountingbalancesofloansandadvancesatamortizedcostDetails">
        <link:definition>0000150 - Disclosure - Note 7 Changes in gross accounting balances of loans and advances at amortized cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ChangesinallowancesofloansandadvancesatamortizedcostDetails" roleURI="http://www.bbva.es/role/Note7ChangesinallowancesofloansandadvancesatamortizedcostDetails">
        <link:definition>0000151 - Disclosure - Note 7 Changes in allowances of loans and advances at amortized cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7SensitivitytointerestrateandcreditspreadanalysisDetails" roleURI="http://www.bbva.es/role/Note7SensitivitytointerestrateandcreditspreadanalysisDetails">
        <link:definition>0000152 - Disclosure - Note 7 Sensitivity to interest rate and credit spread analysis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7SensitivitytoonepercentoftheaveragerateinthemaincurrenciesDetails" roleURI="http://www.bbva.es/role/Note7SensitivitytoonepercentoftheaveragerateinthemaincurrenciesDetails">
        <link:definition>0000153 - Disclosure - Note 7 Sensitivity to one percent of the average rate in the main currencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7HedginginstrumentsaffectedbyIborDetails" roleURI="http://www.bbva.es/role/Note7HedginginstrumentsaffectedbyIborDetails">
        <link:definition>0000154 - Disclosure - Note 7 Hedging instruments affected by Ibor (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7VaRbyRiskfactorDetails" roleURI="http://www.bbva.es/role/Note7VaRbyRiskfactorDetails">
        <link:definition>0000155 - Disclosure - Note 7 VaR by Risk factor (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ImpactofthestresstestDetails" roleURI="http://www.bbva.es/role/Note7ImpactofthestresstestDetails">
        <link:definition>0000156 - Disclosure - Note 7 Impact of the stress test (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7EffectoffsettingforderivativesandsecuritiesoperationDetails" roleURI="http://www.bbva.es/role/Note7EffectoffsettingforderivativesandsecuritiesoperationDetails">
        <link:definition>0000157 - Disclosure - Note 7 Effect offsetting for derivatives and securities operation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7LtSCDbyLMUDetails" roleURI="http://www.bbva.es/role/Note7LtSCDbyLMUDetails">
        <link:definition>0000158 - Disclosure - Note 7 LtSCD by LMU (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7LCRmainLMUDetails" roleURI="http://www.bbva.es/role/Note7LCRmainLMUDetails">
        <link:definition>0000159 - Disclosure - Note 7 LCR main LMU (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7LiquidityavailablebyinstrumentDetails" roleURI="http://www.bbva.es/role/Note7LiquidityavailablebyinstrumentDetails">
        <link:definition>0000160 - Disclosure - Note 7 Liquidity available by instrument (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7NSFRmainLMUDetails" roleURI="http://www.bbva.es/role/Note7NSFRmainLMUDetails">
        <link:definition>0000161 - Disclosure - Note 7 NSFR main LMU (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7ResidualmaturitiesbycontractualperiodsDetails" roleURI="http://www.bbva.es/role/Note7ResidualmaturitiesbycontractualperiodsDetails">
        <link:definition>0000162 - Disclosure - Note 7 Residual maturities by contractual periods (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7EncumberedandunencumberedasstesDetails" roleURI="http://www.bbva.es/role/Note7EncumberedandunencumberedasstesDetails">
        <link:definition>0000163 - Disclosure - Note 7 Encumbered and unencumbered asstes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7CollateralpledgesreceivedDetails" roleURI="http://www.bbva.es/role/Note7CollateralpledgesreceivedDetails">
        <link:definition>0000164 - Disclosure - Note 7 Collateral pledges received (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note7SourcesofencumbranceDetails" roleURI="http://www.bbva.es/role/Note7SourcesofencumbranceDetails">
        <link:definition>0000165 - Disclosure - Note 7 Sources of encumbrance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8FairvalueandcarryingamountofthefinancialinstrumentsDetails" roleURI="http://www.bbva.es/role/Note8FairvalueandcarryingamountofthefinancialinstrumentsDetails">
        <link:definition>0000166 - Disclosure - Note 8 Fair value and carrying amount of the financial instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8FairvalueoffinancialinstrumentsbylevelsDetails" roleURI="http://www.bbva.es/role/Note8FairvalueoffinancialinstrumentsbylevelsDetails">
        <link:definition>0000167 - Disclosure - Note 8 Fair value of financial instruments by levels (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8FairvalueoffinancialassetsbylevelsvaluationtechniquesandinputsDetails" roleURI="http://www.bbva.es/role/Note8FairvalueoffinancialassetsbylevelsvaluationtechniquesandinputsDetails">
        <link:definition>0000168 - Disclosure - Note 8 Fair value of financial assets by levels, valuation techniques and inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8FairvalueoffinancialliabilitiesbylevelsvaluationtechniquesandinputsDetails" roleURI="http://www.bbva.es/role/Note8FairvalueoffinancialliabilitiesbylevelsvaluationtechniquesandinputsDetails">
        <link:definition>0000169 - Disclosure - Note 8 Fair value of financial liabilities by levels, valuation techniques and inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8UnobservableinputsDetails" roleURI="http://www.bbva.es/role/Note8UnobservableinputsDetails">
        <link:definition>0000170 - Disclosure - Note 8 Unobservable inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8Financialinstrumentslevel3ChangesintheyearDetails" roleURI="http://www.bbva.es/role/Note8Financialinstrumentslevel3ChangesintheyearDetails">
        <link:definition>0000171 - Disclosure - Note 8 Financial instruments level 3 Changes in the year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8TransferbetweenlevelsDetails" roleURI="http://www.bbva.es/role/Note8TransferbetweenlevelsDetails">
        <link:definition>0000172 - Disclosure - Note 8 Transfer between levels (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8Financialinstrumentslevel3sensitivityanalysisDetails" roleURI="http://www.bbva.es/role/Note8Financialinstrumentslevel3sensitivityanalysisDetails">
        <link:definition>0000173 - Disclosure - Note 8 Financial instruments level 3 sensitivity analysis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8FairvalueoffinancialinstrumentsatamortizedcostbylevelsDetails" roleURI="http://www.bbva.es/role/Note8FairvalueoffinancialinstrumentsatamortizedcostbylevelsDetails">
        <link:definition>0000174 - Disclosure - Note 8 Fair value of financial instruments at amortized cost by levels (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note8FairvalueoffinancialinstrumentsatamortizedcostbyvaluationtechniqueDetails" roleURI="http://www.bbva.es/role/Note8FairvalueoffinancialinstrumentsatamortizedcostbyvaluationtechniqueDetails">
        <link:definition>0000175 - Disclosure - Note 8 Fair value of financial instruments at amortized cost by valuation technique (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note9CashCashBalancesAtCentralBanksAndOtherDemandDepositsDetails" roleURI="http://www.bbva.es/role/Note9CashCashBalancesAtCentralBanksAndOtherDemandDepositsDetails">
        <link:definition>0000176 - Disclosure - Note 9 Cash Cash Balances At Central Banks And Other Demand Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note10FinancialassetsandliabilitiesheldfortradingDetails" roleURI="http://www.bbva.es/role/Note10FinancialassetsandliabilitiesheldfortradingDetails">
        <link:definition>0000177 - Disclosure - Note 10 Financial assets and liabilities held for trading (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note10DerivativesbytypeofriskandbyproductorbytypeofmarketDetails" roleURI="http://www.bbva.es/role/Note10DerivativesbytypeofriskandbyproductorbytypeofmarketDetails">
        <link:definition>0000178 - Disclosure - Note 10 Derivatives by type of risk and by product or by type of market (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note11NontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalueDetails" roleURI="http://www.bbva.es/role/Note11NontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalueDetails">
        <link:definition>0000179 - Disclosure - Note 11 Non trading financial assets at fair value through profit or loss mandatorily measured at fair value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note12FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossDetails" roleURI="http://www.bbva.es/role/Note12FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossDetails">
        <link:definition>0000180 - Disclosure - Note 12 Financial Instruments Designated At Fair Value Through Profit Or Loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13FinancialassetsatfairvaluethroughothercomprehensiveincomeDetails" roleURI="http://www.bbva.es/role/Note13FinancialassetsatfairvaluethroughothercomprehensiveincomeDetails">
        <link:definition>0000181 - Disclosure - Note 13 Financial assets at fair value through other comprehensive income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsDetails" roleURI="http://www.bbva.es/role/Note13FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsDetails">
        <link:definition>0000182 - Disclosure - Note 13 Financial assets at fair value through other comprehensive income equity instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesDetails" roleURI="http://www.bbva.es/role/Note13FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesDetails">
        <link:definition>0000183 - Disclosure - Note 13 Financial assets at fair value through other comprehensive income debt securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingDetails" roleURI="http://www.bbva.es/role/Note13FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingDetails">
        <link:definition>0000184 - Disclosure - Note 13 Financial assets at fair value through other comprehensive income debt securities by rating (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note13OthercomprehensiveincomeChangesingainsorlossesDetails" roleURI="http://www.bbva.es/role/Note13OthercomprehensiveincomeChangesingainsorlossesDetails">
        <link:definition>0000185 - Disclosure - Note 13 Other comprehensive income Changes in gains or losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14FinancialassetsatamortisedcostDetails" roleURI="http://www.bbva.es/role/Note14FinancialassetsatamortisedcostDetails">
        <link:definition>0000186 - Disclosure - Note 14 Financial assets at amortised cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14DebtsecuritiesatamortizedcostDetails" roleURI="http://www.bbva.es/role/Note14DebtsecuritiesatamortizedcostDetails">
        <link:definition>0000187 - Disclosure - Note 14 Debt securities at amortized cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14DebtsecuritiesbyratingDetails" roleURI="http://www.bbva.es/role/Note14DebtsecuritiesbyratingDetails">
        <link:definition>0000188 - Disclosure - Note 14 Debt securities by rating (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14LoansandadvancestocustomersDetails" roleURI="http://www.bbva.es/role/Note14LoansandadvancestocustomersDetails">
        <link:definition>0000189 - Disclosure - Note 14 Loans and advances to customers (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14LoansandadvancesmaturinginmorethanoneyearbyinterestratefixedandfloatingDetails" roleURI="http://www.bbva.es/role/Note14LoansandadvancesmaturinginmorethanoneyearbyinterestratefixedandfloatingDetails">
        <link:definition>0000190 - Disclosure - Note 14 Loans and advances maturing in more than one year by interest rate fixed and floating (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note14SecuritizedloansDetails" roleURI="http://www.bbva.es/role/Note14SecuritizedloansDetails">
        <link:definition>0000191 - Disclosure - Note 14 Securitized loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15DerivativesHedgeaccountingandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskDetails" roleURI="http://www.bbva.es/role/Note15DerivativesHedgeaccountingandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskDetails">
        <link:definition>0000192 - Disclosure - Note 15 Derivatives Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15DerivativesHedgeaccountingbreakdownbytypeofriskandtypeofhedgeDetails" roleURI="http://www.bbva.es/role/Note15DerivativesHedgeaccountingbreakdownbytypeofriskandtypeofhedgeDetails">
        <link:definition>0000193 - Disclosure - Note 15 Derivatives Hedge accounting breakdown by type of risk and type of hedge (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15HedgeditemsinfairvaluehedgesDetails" roleURI="http://www.bbva.es/role/Note15HedgeditemsinfairvaluehedgesDetails">
        <link:definition>0000194 - Disclosure - Note 15 Hedged items in fair value hedges (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15CalendarofthenotionalmaturitiesofthehedginginstrumentsDetails" roleURI="http://www.bbva.es/role/Note15CalendarofthenotionalmaturitiesofthehedginginstrumentsDetails">
        <link:definition>0000195 - Disclosure - Note 15 Calendar of the notional maturities of the hedging instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note15HedgesaffectedbytheIBORreformDetails" roleURI="http://www.bbva.es/role/Note15HedgesaffectedbytheIBORreformDetails">
        <link:definition>0000196 - Disclosure - Note 15 Hedges affected by the IBOR reform (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note16InvestmentsInSubsidiariesJointVenturesAndAssociatesDetails" roleURI="http://www.bbva.es/role/Note16InvestmentsInSubsidiariesJointVenturesAndAssociatesDetails">
        <link:definition>0000197 - Disclosure - Note 16 Investments In Subsidiaries Joint Ventures And Associates (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note16JointventuresandassociateschangesintheyearDetails" roleURI="http://www.bbva.es/role/Note16JointventuresandassociateschangesintheyearDetails">
        <link:definition>0000198 - Disclosure - Note 16 Joint ventures and associates changes in the year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note17TangibleAssetsBreakdownByTypeOfAssetDetails" roleURI="http://www.bbva.es/role/Note17TangibleAssetsBreakdownByTypeOfAssetDetails">
        <link:definition>0000199 - Disclosure - Note 17 Tangible Assets Breakdown By Type Of Asset (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note17TangibleassetsbySpanishandforeignsubsidiariesnetassetsvaluesDetails" roleURI="http://www.bbva.es/role/Note17TangibleassetsbySpanishandforeignsubsidiariesnetassetsvaluesDetails">
        <link:definition>0000200 - Disclosure - Note 17 Tangible assets by Spanish and foreign subsidiaries net assets values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note18ReconciliationOfChangesInGoodwillDetails" roleURI="http://www.bbva.es/role/Note18ReconciliationOfChangesInGoodwillDetails">
        <link:definition>0000201 - Disclosure - Note 18 Reconciliation Of Changes In Goodwill (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note18ImpairmenttestassumptionsCGUgoodwillinMexicoDetails" roleURI="http://www.bbva.es/role/Note18ImpairmenttestassumptionsCGUgoodwillinMexicoDetails">
        <link:definition>0000202 - Disclosure - Note 18 Impairment test assumptions CGU goodwill in Mexico (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note18SensitivityanalysisformainassumptionsMexicoDetails" roleURI="http://www.bbva.es/role/Note18SensitivityanalysisformainassumptionsMexicoDetails">
        <link:definition>0000203 - Disclosure - Note 18 Sensitivity analysis for main assumptions Mexico (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note18OtherIntangibleAssetsDetails" roleURI="http://www.bbva.es/role/Note18OtherIntangibleAssetsDetails">
        <link:definition>0000204 - Disclosure - Note 18 Other Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note18ChangesinotherintangibleassetsDetails" roleURI="http://www.bbva.es/role/Note18ChangesinotherintangibleassetsDetails">
        <link:definition>0000205 - Disclosure - Note 18 Changes in other intangible assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19ReconciliationoftaxationattheSpanishcorporationtaxratetothetaxexpenserecordedfortheyearDetails" roleURI="http://www.bbva.es/role/Note19ReconciliationoftaxationattheSpanishcorporationtaxratetothetaxexpenserecordedfortheyearDetails">
        <link:definition>0000206 - Disclosure - Note 19 Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19EffectivetaxrateDetails" roleURI="http://www.bbva.es/role/Note19EffectivetaxrateDetails">
        <link:definition>0000207 - Disclosure - Note 19 Effective tax rate (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19TaxrecognizedintotalequityDetails" roleURI="http://www.bbva.es/role/Note19TaxrecognizedintotalequityDetails">
        <link:definition>0000208 - Disclosure - Note 19 Tax recognized in total equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19TaxassetsandliabilitiesDetails" roleURI="http://www.bbva.es/role/Note19TaxassetsandliabilitiesDetails">
        <link:definition>0000209 - Disclosure - Note 19 Tax assets and liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19DeferredtaxassetsandliabilitiesannualvariationsDetails" roleURI="http://www.bbva.es/role/Note19DeferredtaxassetsandliabilitiesannualvariationsDetails">
        <link:definition>0000210 - Disclosure - Note 19 Deferred tax assets and liabilities annual variations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note19SecuredtaxassetsDetails" roleURI="http://www.bbva.es/role/Note19SecuredtaxassetsDetails">
        <link:definition>0000211 - Disclosure - Note 19 Secured tax assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note20OtherassetsandliabilitiesDetails" roleURI="http://www.bbva.es/role/Note20OtherassetsandliabilitiesDetails">
        <link:definition>0000212 - Disclosure - Note 20 Other assets and liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDetails" roleURI="http://www.bbva.es/role/Note21NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDetails">
        <link:definition>0000213 - Disclosure - Note 21 Non Current Assets And Disposal Groups Classified As Held For Sale Breakdown By Items (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21CondensedbalancesheetsofcompaniessoldintheUSAsubsidiaryDetails" roleURI="http://www.bbva.es/role/Note21CondensedbalancesheetsofcompaniessoldintheUSAsubsidiaryDetails">
        <link:definition>0000214 - Disclosure - Note 21 Condensed balance sheets of companies sold in the USA subsidiary (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21CondensedconsolidatedincomestatementsofcompaniessoldintheUSAsubsidiaryDetails" roleURI="http://www.bbva.es/role/Note21CondensedconsolidatedincomestatementsofcompaniessoldintheUSAsubsidiaryDetails">
        <link:definition>0000215 - Disclosure - Note 21 Condensed consolidated income statements of companies sold in the USA subsidiary (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21CondensedstatementsofcashflowsofcompaniesheldforsaleintheUSAsubsidiaryDetails" roleURI="http://www.bbva.es/role/Note21CondensedstatementsofcashflowsofcompaniesheldforsaleintheUSAsubsidiaryDetails">
        <link:definition>0000216 - Disclosure - Note 21 Condensed statements of cash flows of companies held for sale in the USA subsidiary (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21EffectsofdisposalonthefinancialpositionofthegroupDetails" roleURI="http://www.bbva.es/role/Note21EffectsofdisposalonthefinancialpositionofthegroupDetails">
        <link:definition>0000217 - Disclosure - Note 21 Effects of disposal on the financial position of the group (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21EffectsonnetcashoutflowsfromdiscontinuedoperationsUSADetails" roleURI="http://www.bbva.es/role/Note21EffectsonnetcashoutflowsfromdiscontinuedoperationsUSADetails">
        <link:definition>0000218 - Disclosure - Note 21 Effects on net cash outflows from discontinued operations USA (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Note21EffectonthedivestmentofthemostsignificantsalesofnoncurrentassetsforsaleofthebbvagroupreflectedinthecondensedconsolidatedstatementofcashflowsDetails" roleURI="http://www.bbva.es/role/Note21EffectonthedivestmentofthemostsignificantsalesofnoncurrentassetsforsaleofthebbvagroupreflectedinthecondensedconsolidatedstatementofcashflowsDetails">
        <link:definition>0000219 - Disclosure - Note 21 Effect on the divestment of the most significant sales of non current assets for sale of the bbva group reflected in the condensed consolidated statement of cash flows (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note21NoncurrentassetsanddisposalgroupsclassifiedasheldforsalechangesintheyearDetails" roleURI="http://www.bbva.es/role/Note21NoncurrentassetsanddisposalgroupsclassifiedasheldforsalechangesintheyearDetails">
        <link:definition>0000220 - Disclosure - Note 21 Non current assets and disposal groups classified as held for sale changes in the year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22FinancialliabilitiesatamortisedcostDetails" roleURI="http://www.bbva.es/role/Note22FinancialliabilitiesatamortisedcostDetails">
        <link:definition>0000221 - Disclosure - Note 22 Financial liabilities at amortised cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22DepositsfrombanksDetails" roleURI="http://www.bbva.es/role/Note22DepositsfrombanksDetails">
        <link:definition>0000222 - Disclosure - Note 22 Deposits from banks (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22CustomerDepositsDetails" roleURI="http://www.bbva.es/role/Note22CustomerDepositsDetails">
        <link:definition>0000223 - Disclosure - Note 22 Customer Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22DepositsfromdebtcertificatesDetails" roleURI="http://www.bbva.es/role/Note22DepositsfromdebtcertificatesDetails">
        <link:definition>0000224 - Disclosure - Note 22 Deposits from debt certificates (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22MemorandumitemsubordinatedliabilitiesatamortizedcostDetails" roleURI="http://www.bbva.es/role/Note22MemorandumitemsubordinatedliabilitiesatamortizedcostDetails">
        <link:definition>0000225 - Disclosure - Note 22 Memorandum item subordinated liabilities at amortized cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22OtherFinancialLiabilitiesDetails" roleURI="http://www.bbva.es/role/Note22OtherFinancialLiabilitiesDetails">
        <link:definition>0000226 - Disclosure - Note 22 Other Financial Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note22MaturityoffuturepaymentobligationsDetails" roleURI="http://www.bbva.es/role/Note22MaturityoffuturepaymentobligationsDetails">
        <link:definition>0000227 - Disclosure - Note 22 Maturity of future payment obligations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note23LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedDetails" roleURI="http://www.bbva.es/role/Note23LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedDetails">
        <link:definition>0000228 - Disclosure - Note 23 Liabilities Under Insurance Contracts And Reinsurance Contracts Issued (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note23MaturityofliabilitiesunderinsuranceandreinsurancecontractsDetails" roleURI="http://www.bbva.es/role/Note23MaturityofliabilitiesunderinsuranceandreinsurancecontractsDetails">
        <link:definition>0000229 - Disclosure - Note 23 Maturity of liabilities under insurance and reinsurance contracts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note23MathematicalreservesDetails" roleURI="http://www.bbva.es/role/Note23MathematicalreservesDetails">
        <link:definition>0000230 - Disclosure - Note 23 Mathematical reserves (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note24ProvisionsBreakdownByConceptsDetails" roleURI="http://www.bbva.es/role/Note24ProvisionsBreakdownByConceptsDetails">
        <link:definition>0000231 - Disclosure - Note 24 Provisions Breakdown By Concepts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note24ProvisionsforpensionsandsimilarobligationschangesovertheyearDetails" roleURI="http://www.bbva.es/role/Note24ProvisionsforpensionsandsimilarobligationschangesovertheyearDetails">
        <link:definition>0000232 - Disclosure - Note 24 Provisions for pensions and similar obligations changes over the year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note24ProvisionsfortaxeslegalcontingenciesandotherprovisionschangesovertheyearDetails" roleURI="http://www.bbva.es/role/Note24ProvisionsfortaxeslegalcontingenciesandotherprovisionschangesovertheyearDetails">
        <link:definition>0000233 - Disclosure - Note 24 Provisions for taxes, legal contingencies and other provisions changes over the year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25NetdefinedbenefitliabilityassetontheconsolidatedbalancesheetDetails" roleURI="http://www.bbva.es/role/Note25NetdefinedbenefitliabilityassetontheconsolidatedbalancesheetDetails">
        <link:definition>0000234 - Disclosure - Note 25 Net defined benefit liability asset on the consolidated balance sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25ConsolidatedIncomeStatementImpactDetails" roleURI="http://www.bbva.es/role/Note25ConsolidatedIncomeStatementImpactDetails">
        <link:definition>0000235 - Disclosure - Note 25 Consolidated Income Statement Impact (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25EquityimpactDetails" roleURI="http://www.bbva.es/role/Note25EquityimpactDetails">
        <link:definition>0000236 - Disclosure - Note 25 Equity impact (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25DefinedbenefitsDetails" roleURI="http://www.bbva.es/role/Note25DefinedbenefitsDetails">
        <link:definition>0000237 - Disclosure - Note 25 Defined benefits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25ActuarialassumptionspercentageDetails" roleURI="http://www.bbva.es/role/Note25ActuarialassumptionspercentageDetails">
        <link:definition>0000238 - Disclosure - Note 25 Actuarial assumptions percentage (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25SensitivityanalysisDetails" roleURI="http://www.bbva.es/role/Note25SensitivityanalysisDetails">
        <link:definition>0000239 - Disclosure - Note 25 Sensitivity analysis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25PostemploymentcommitmentsDetails" roleURI="http://www.bbva.es/role/Note25PostemploymentcommitmentsDetails">
        <link:definition>0000240 - Disclosure - Note 25 Post employment commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25MedicalbenefitscommitmentsDetails" roleURI="http://www.bbva.es/role/Note25MedicalbenefitscommitmentsDetails">
        <link:definition>0000241 - Disclosure - Note 25 Medical benefits commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25EstimatedbenefitpaymentsDetails" roleURI="http://www.bbva.es/role/Note25EstimatedbenefitpaymentsDetails">
        <link:definition>0000242 - Disclosure - Note 25 Estimated benefit payments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25PlanassetsbreakdownDetails" roleURI="http://www.bbva.es/role/Note25PlanassetsbreakdownDetails">
        <link:definition>0000243 - Disclosure - Note 25 Plan assets breakdown (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note25InvestmentsinlistedmarketsDetails" roleURI="http://www.bbva.es/role/Note25InvestmentsinlistedmarketsDetails">
        <link:definition>0000244 - Disclosure - Note 25 Investments in listed markets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note26Details" roleURI="http://www.bbva.es/role/Note26Details">
        <link:definition>0000245 - Disclosure - Note 26 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note27Details" roleURI="http://www.bbva.es/role/Note27Details">
        <link:definition>0000246 - Disclosure - Note 27 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note28RetainedEarningsAndOtherReservesDetails" roleURI="http://www.bbva.es/role/Note28RetainedEarningsAndOtherReservesDetails">
        <link:definition>0000247 - Disclosure - Note 28 Retained Earnings And Other Reserves (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note28RestrictedreservesbreakdownbyconceptsDetails" roleURI="http://www.bbva.es/role/Note28RestrictedreservesbreakdownbyconceptsDetails">
        <link:definition>0000248 - Disclosure - Note 28 Restricted reserves breakdown by concepts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note28RetainedearningsrevaluationreservesandotherreservesbreakdownbycompanyorcorporategroupDetails" roleURI="http://www.bbva.es/role/Note28RetainedearningsrevaluationreservesandotherreservesbreakdownbycompanyorcorporategroupDetails">
        <link:definition>0000249 - Disclosure - Note 28 Retained earnings, revaluation reserves and other reserves breakdown by company or corporate group (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note29TreasurysharesDetails" roleURI="http://www.bbva.es/role/Note29TreasurysharesDetails">
        <link:definition>0000250 - Disclosure - Note 29 Treasury shares (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note29TreasuryStockDetails" roleURI="http://www.bbva.es/role/Note29TreasuryStockDetails">
        <link:definition>0000251 - Disclosure - Note 29 Treasury Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note29SharesofBBVAacceptedinpledgeDetails" roleURI="http://www.bbva.es/role/Note29SharesofBBVAacceptedinpledgeDetails">
        <link:definition>0000252 - Disclosure - Note 29 Shares of BBVA accepted in pledge (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note29SharesofBBVAownedbythirdpartiesbutmanagedbytheGroupDetails" roleURI="http://www.bbva.es/role/Note29SharesofBBVAownedbythirdpartiesbutmanagedbytheGroupDetails">
        <link:definition>0000253 - Disclosure - Note 29 Shares of BBVA owned by third parties but managed by the Group (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note30AccumulatedOtherComprehensiveIncomeClassifiedByConceptsDetails" roleURI="http://www.bbva.es/role/Note30AccumulatedOtherComprehensiveIncomeClassifiedByConceptsDetails">
        <link:definition>0000254 - Disclosure - Note 30 Accumulated Other Comprehensive Income Classified By Concepts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note31NonControllingInterestClassifiedByConceptDetails" roleURI="http://www.bbva.es/role/Note31NonControllingInterestClassifiedByConceptDetails">
        <link:definition>0000255 - Disclosure - Note 31 Non Controlling Interest Classified By Concept (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note31ProfitAttributabletoNonControllingInterestsDetails" roleURI="http://www.bbva.es/role/Note31ProfitAttributabletoNonControllingInterestsDetails">
        <link:definition>0000256 - Disclosure - Note 31 Profit Attributable to Non Controlling Interests (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note32EligiblecapitalresourcesDetails" roleURI="http://www.bbva.es/role/Note32EligiblecapitalresourcesDetails">
        <link:definition>0000257 - Disclosure - Note 32 Eligible capital resources (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note32AmountofcapitalCC1Details" roleURI="http://www.bbva.es/role/Note32AmountofcapitalCC1Details">
        <link:definition>0000258 - Disclosure - Note 32 Amount of capital CC1 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note32LeverageRatioDetails" roleURI="http://www.bbva.es/role/Note32LeverageRatioDetails">
        <link:definition>0000259 - Disclosure - Note 32 Leverage Ratio (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note33CommitmentsandguaranteesgivenDetails" roleURI="http://www.bbva.es/role/Note33CommitmentsandguaranteesgivenDetails">
        <link:definition>0000260 - Disclosure - Note 33 Commitments and guarantees given (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note34Details" roleURI="http://www.bbva.es/role/Note34Details">
        <link:definition>0000261 - Disclosure - Note 34 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note35Details" roleURI="http://www.bbva.es/role/Note35Details">
        <link:definition>0000262 - Disclosure - Note 35 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note36TransactionsonbehalfofthirdpartiesbreakdownbyconceptsDetails" roleURI="http://www.bbva.es/role/Note36TransactionsonbehalfofthirdpartiesbreakdownbyconceptsDetails">
        <link:definition>0000263 - Disclosure - Note 36 Transactions on behalf of third parties breakdown by concepts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note37InterestincomebreakdownbyoriginDetails" roleURI="http://www.bbva.es/role/Note37InterestincomebreakdownbyoriginDetails">
        <link:definition>0000264 - Disclosure - Note 37 Interest income breakdown by origin (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note37InterestexpensebreakdownbyoriginDetails" roleURI="http://www.bbva.es/role/Note37InterestexpensebreakdownbyoriginDetails">
        <link:definition>0000265 - Disclosure - Note 37 Interest expense breakdown by origin (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note38DividendincomebreakdownbyheadlineDetails" roleURI="http://www.bbva.es/role/Note38DividendincomebreakdownbyheadlineDetails">
        <link:definition>0000266 - Disclosure - Note 38 Dividend income breakdown by headline (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note39Details" roleURI="http://www.bbva.es/role/Note39Details">
        <link:definition>0000267 - Disclosure - Note 39 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note40FeeandcommissionincomeDetails" roleURI="http://www.bbva.es/role/Note40FeeandcommissionincomeDetails">
        <link:definition>0000268 - Disclosure - Note 40 Fee and commission income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note40FeesandcommissionexpenseDetails" roleURI="http://www.bbva.es/role/Note40FeesandcommissionexpenseDetails">
        <link:definition>0000269 - Disclosure - Note 40 Fees and commission expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note41GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOntheBalanceSheetDetails" roleURI="http://www.bbva.es/role/Note41GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOntheBalanceSheetDetails">
        <link:definition>0000270 - Disclosure - Note 41 Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note41GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentDetails" roleURI="http://www.bbva.es/role/Note41GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentDetails">
        <link:definition>0000271 - Disclosure - Note 41 Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Nature Of The Financial Instrument (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note41DerivativeshedgeaccountingDetails" roleURI="http://www.bbva.es/role/Note41DerivativeshedgeaccountingDetails">
        <link:definition>0000272 - Disclosure - Note 41 Derivatives hedge accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note42OtheroperatingincomeDetails" roleURI="http://www.bbva.es/role/Note42OtheroperatingincomeDetails">
        <link:definition>0000273 - Disclosure - Note 42 Other operating income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note42OtheroperatingexpenseDetails" roleURI="http://www.bbva.es/role/Note42OtheroperatingexpenseDetails">
        <link:definition>0000274 - Disclosure - Note 42 Other operating expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note43InsuranceAndReinsuranceContractsInIncomeAndExpenseDetails" roleURI="http://www.bbva.es/role/Note43InsuranceAndReinsuranceContractsInIncomeAndExpenseDetails">
        <link:definition>0000275 - Disclosure - Note 43 Insurance And Reinsurance Contracts In Income And Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note43IncomebytypeofinsuranceproductDetails" roleURI="http://www.bbva.es/role/Note43IncomebytypeofinsuranceproductDetails">
        <link:definition>0000276 - Disclosure - Note 43 Income by type of insurance product (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note44PersonnelExpensesBreakdownDetails" roleURI="http://www.bbva.es/role/Note44PersonnelExpensesBreakdownDetails">
        <link:definition>0000277 - Disclosure - Note 44 Personnel Expenses Breakdown (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note44AdministrativeexpensesDetails" roleURI="http://www.bbva.es/role/Note44AdministrativeexpensesDetails">
        <link:definition>0000278 - Disclosure - Note 44 Administrative expenses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note45DepreciationAndAmortisationExpenseDetails" roleURI="http://www.bbva.es/role/Note45DepreciationAndAmortisationExpenseDetails">
        <link:definition>0000279 - Disclosure - Note 45 Depreciation And Amortisation Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note46ProvisionsorreversalofprovisionsDetails" roleURI="http://www.bbva.es/role/Note46ProvisionsorreversalofprovisionsDetails">
        <link:definition>0000280 - Disclosure - Note 46 Provisions or reversal of provisions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note47ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossDetails" roleURI="http://www.bbva.es/role/Note47ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossDetails">
        <link:definition>0000281 - Disclosure - Note 47 Impairment Or Reversal Of Impairment On Financial Assets Not Measured At Fair Value Through Profit Or Loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note48Details" roleURI="http://www.bbva.es/role/Note48Details">
        <link:definition>0000282 - Disclosure - Note 48 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note49ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsDetails" roleURI="http://www.bbva.es/role/Note49ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsDetails">
        <link:definition>0000283 - Disclosure - Note 49 Impairment Or Reversal Of Impairment On Non Financial Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note50ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsDetails" roleURI="http://www.bbva.es/role/Note50ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsDetails">
        <link:definition>0000284 - Disclosure - Note 50 Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations (Details)</link:definition>
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  <xs:element id="bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" abstract="true" name="ValuationTechniquesUsedInFairValueMeasurementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" abstract="false" name="InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCentralBanksHeldForTrading" abstract="false" name="LoansAndAdvancesToCentralBanksHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" abstract="true" name="PostEmploymentCommitmentsBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_Tier2EligibleCapitalResources" abstract="false" name="Tier2EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CustodySecuritiesIncome" abstract="false" name="CustodySecuritiesIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCreditInstitutionsMember" abstract="true" name="LoansAndAdvancesToCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BenefitPaymentsForPensions" abstract="false" name="BenefitPaymentsForPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" abstract="false" name="GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1LineItems" abstract="true" name="AmountOfCapitalCC1LineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfEquityInstruments" abstract="false" name="FairValueOfEquityInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalReservesHoldingCompany" abstract="false" name="TotalReservesHoldingCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_ConsolidatedTaxGroupInSpainMember" abstract="true" name="ConsolidatedTaxGroupInSpainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EffectiveTaxPercentageOnReconciliation" abstract="false" name="EffectiveTaxPercentageOnReconciliation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="bbva_ProvisionsBreakdownByConceptsTableTextBlock" abstract="false" name="ProvisionsBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_AccommodationAndFoodServiceActivitiesMember" abstract="true" name="AccommodationAndFoodServiceActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesLineItems" abstract="true" name="OtherFinancialLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditDerivativeAgreementsHedgeAccountingMember" abstract="true" name="CreditDerivativeAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EntitiesByMainActivitiesAxis" abstract="true" name="EntitiesByMainActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" abstract="false" name="EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" abstract="true" name="EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromBanksByCountryDomain" abstract="true" name="DepositsFromBanksByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RatingDomain" abstract="true" name="RatingDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CorporateCenterMember" abstract="true" name="CorporateCenterMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_FinancialLiabilitiesHeldForTrading" abstract="false" name="FinancialLiabilitiesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" abstract="true" name="LowerEffectiveTaxRateFromForeignEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" abstract="false" name="EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_OtherChangesInTreasurySharesMember" abstract="true" name="OtherChangesInTreasurySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" abstract="true" name="OfWhichHeldByCorporacionGeneralFinancieraSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_OtherAssetsFromTangibleAssetsMember" abstract="true" name="OtherAssetsFromTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" abstract="true" name="OtherNonConvertibleSubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" abstract="true" name="NetGainOrLossesOnTransactionsTreasurySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" abstract="false" name="AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" abstract="true" name="AveragePurchasePriceOfTreasurySharesInEurosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" abstract="false" name="ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" abstract="true" name="EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" abstract="false" name="DeferredAnnualVariableRemunerationBBVADirectorsInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="bbva_ImpairedSecuredLoansRisksTableTextBlock" abstract="false" name="ImpairedSecuredLoansRisksTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DebtCertificatesIssuedLineItems" abstract="true" name="DebtCertificatesIssuedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RightToUseInvestmentPropertiesMember" abstract="true" name="RightToUseInvestmentPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAndOtherAssetsMember" abstract="true" name="LoansAndAdvancesAndOtherAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" abstract="false" name="OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" abstract="false" name="DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" abstract="true" name="OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueOfDebtSecuritiesByRating" abstract="false" name="FairValueOfDebtSecuritiesByRating" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember" abstract="true" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" abstract="false" name="AdjustedNumberOfSharesDilutedEarningsPerShareD" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_TransfersFromStage1ToStage2" abstract="false" name="TransfersFromStage1ToStage2" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" abstract="false" name="SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryLineItems" abstract="true" name="CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" abstract="false" name="AmortizedCostOfDebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_PublicGuaranteesGivenByTheGroup" abstract="false" name="PublicGuaranteesGivenByTheGroup" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_GroupInsuranceLifeInsuranceContractsMember" abstract="true" name="GroupInsuranceLifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecuritiesPortfolioSettlementMember" abstract="true" name="SecuritiesPortfolioSettlementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichCollectiveMember" abstract="true" name="OfWhichCollectiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" abstract="true" name="ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichSecuredByCollateralMember" abstract="true" name="OfWhichSecuredByCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A1061To2121Member" abstract="true" name="A1061To2121Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" abstract="false" name="DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PendingLegalIssuesAndTaxLitigation" abstract="false" name="PendingLegalIssuesAndTaxLitigation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AgricultureForestyAndFishingMember" abstract="true" name="AgricultureForestyAndFishingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain" abstract="true" name="EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoanCommitmentsGivenFeeAndCommissionIncome" abstract="false" name="LoanCommitmentsGivenFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichHyperinflationEffectFromInvestingActivities" abstract="false" name="OfWhichHyperinflationEffectFromInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GuaranteesReceivedTable" abstract="true" name="GuaranteesReceivedTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ReconciliationProfitOrLossBeforeTaxMember" abstract="true" name="ReconciliationProfitOrLossBeforeTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NetAnnualOriginationOfAllowances" abstract="false" name="NetAnnualOriginationOfAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A2017Member" abstract="true" name="A2017Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForProvisionsPolicyTextBlock" abstract="false" name="AccountingPolicyForProvisionsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" abstract="true" name="CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueOfDebtSecuritiesAtAmortizedCost" abstract="false" name="FairValueOfDebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AverageLtSCDByLMU" abstract="false" name="AverageLtSCDByLMU" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" abstract="false" name="AccountingPolicyForEmployeeBenefitsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_JosMiguelAndrsTorrecillasMember" abstract="true" name="JosMiguelAndrsTorrecillasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CommonEquityTIER1CET1Member" abstract="true" name="CommonEquityTIER1CET1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SMEs" abstract="false" name="SMEs" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" abstract="true" name="CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsTableTextBlock" abstract="false" name="MaturityOfFuturePaymentObligationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherLongTermEmployeeBenefits" abstract="false" name="OtherLongTermEmployeeBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BBVACCCRatingMember" abstract="true" name="BBVACCCRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" abstract="false" name="FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProvisionsForCommitmentsAndContingentRisks" abstract="false" name="ProvisionsForCommitmentsAndContingentRisks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" abstract="false" name="DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NonControllingInterestClassifiedByConceptTableTextBlock" abstract="false" name="NonControllingInterestClassifiedByConceptTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherLiabilitiesLineItems" abstract="true" name="OtherLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsTableTextBlock" abstract="false" name="OtherIntangibleAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_EarlyRetirementCommitments" abstract="false" name="EarlyRetirementCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AverageTreasuryShares" abstract="false" name="AverageTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfScaleAxis" abstract="true" name="DisclosureOfScaleAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsMaturityDomain" abstract="true" name="EstimatedBenefitPaymentsMaturityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostAxis" abstract="true" name="FinancialAssetsAtAmortisedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ConsiderationReceivedSatisfiedInCashDivarian" abstract="false" name="ConsiderationReceivedSatisfiedInCashDivarian" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" abstract="false" name="FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisposalNonCash" abstract="false" name="DisposalNonCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsTable" abstract="true" name="MaturityOfFuturePaymentObligationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" abstract="false" name="GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfSubsequentEventsTextBlock" abstract="false" name="DisclosureOfSubsequentEventsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesAtFairValue" abstract="false" name="OtherFinancialLiabilitiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransfersOfFinancialAssets" abstract="false" name="TransfersOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReFinancingOrRestructuring" abstract="false" name="ReFinancingOrRestructuring" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PercentageTreasuryStock" abstract="false" name="PercentageTreasuryStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_ValuationTechniques" abstract="false" name="ValuationTechniques" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DecreaseForeclosedAssets" abstract="false" name="DecreaseForeclosedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" abstract="true" name="AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalImpactOnEquityDebitCredit" abstract="false" name="TotalImpactOnEquityDebitCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SourcesOfEncumbranceTableTextBlock" abstract="false" name="SourcesOfEncumbranceTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesMember" abstract="true" name="OtherFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVAAAMinusRatingMember" abstract="true" name="BBVAAAMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TreasurySharesTable" abstract="true" name="TreasurySharesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalLoanCommitmentsAndFinancialGuarantees" abstract="false" name="TotalLoanCommitmentsAndFinancialGuarantees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" abstract="true" name="OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialInstrumentsLevel3Total" abstract="false" name="FinancialInstrumentsLevel3Total" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownLineItems" abstract="true" name="PlanAssetsBreakdownLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsDomain" abstract="true" name="MaturityOfFuturePaymentObligationsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AnaPeraltaMorenoMember" abstract="true" name="AnaPeraltaMorenoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsLineItems" abstract="true" name="MaturityOfFuturePaymentObligationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditExposureClassesOfFinancialInstrumentsDomain" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CET1PhasedInMember" abstract="true" name="CET1PhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialAssetsAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GroupInsuranceMember" abstract="true" name="GroupInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CustomerDepositsTableTextBlock" abstract="false" name="CustomerDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" abstract="true" name="ImpactsOfIncreasesOrDecreasesInPercentageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredAVRSeniorManagementDomain" abstract="true" name="DeferredAVRSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BasicPointLineItems" abstract="true" name="BasicPointLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PaymentsForTreasuryStockAmortization" abstract="false" name="PaymentsForTreasuryStockAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BasisPointVariationAxis" abstract="true" name="BasisPointVariationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredShareRemunerationSystemTable" abstract="true" name="DeferredShareRemunerationSystemTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" abstract="true" name="ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" abstract="false" name="SubordinatedLiabilitiesAtFairValueMemorandumItem" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsByCountryDomain" abstract="true" name="EstimatedBenefitPaymentsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RalGalambaDeOliveiraMember" abstract="true" name="RalGalambaDeOliveiraMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CreditInvestmentPercentage" abstract="false" name="CreditInvestmentPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" abstract="true" name="QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" abstract="false" name="AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ValueOfGuaranteesAxis" abstract="true" name="ValueOfGuaranteesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfPaymentDeferralDomain" abstract="true" name="TypeOfPaymentDeferralDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IssuingInstitutionsDomain" abstract="true" name="IssuingInstitutionsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" abstract="false" name="TotalNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TangibleAssetsBBVAAndSpanishSubsidiaries" abstract="false" name="TangibleAssetsBBVAAndSpanishSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NumberOfSharesOwnedByThirdParties" abstract="false" name="NumberOfSharesOwnedByThirdParties" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_CreditRiskAdjustmentsMember" abstract="true" name="CreditRiskAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpactOfTheStressTestTableTextBlock" abstract="false" name="ImpactOfTheStressTestTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_MainCurrenciesSensitivityDomain" abstract="true" name="MainCurrenciesSensitivityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PropertyPlantAndEquipmentForOwnUse" abstract="false" name="PropertyPlantAndEquipmentForOwnUse" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AuditAndComplianceCommitteeMember" abstract="true" name="AuditAndComplianceCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TreasurySharesAtTheBeginningMember" abstract="true" name="TreasurySharesAtTheBeginningMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" abstract="true" name="OfWhichLossAllowancesOfLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3Total" abstract="false" name="FinancialAssetsLevel3Total" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTable" abstract="true" name="AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" abstract="true" name="JointVenturesAndAssociatesBreakdownByEntitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" abstract="false" name="DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PensionsMember" abstract="true" name="PensionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CommercialDebtorsMember" abstract="true" name="CommercialDebtorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherRiskHedgeCashFlowMember" abstract="true" name="OtherRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FeeAndCommissionIncomeLineItems" abstract="true" name="FeeAndCommissionIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" abstract="false" name="UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" abstract="false" name="OtherOutflowsOfCashClassifiedAsInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherLMUMember" abstract="true" name="OtherLMUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" abstract="false" name="BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InterestIncomeForInsuranceActivity" abstract="false" name="InterestIncomeForInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DecreaseOfImpairedAssets" abstract="false" name="DecreaseOfImpairedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" abstract="false" name="AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BBVABMinusRatingMember" abstract="true" name="BBVABMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfMembersAxis" abstract="true" name="TypeOfMembersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TheoreticalSharesAccumulatedAsOfDecember31" abstract="false" name="TheoreticalSharesAccumulatedAsOfDecember31" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" abstract="true" name="A6138FixedRateSeniorNonPreferredNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredTaxAsssetsAndLiabilitiesAxis" abstract="true" name="DeferredTaxAsssetsAndLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAmericaSLMember" abstract="true" name="BBVAmericaSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_UnrealizedLossesOfEquityInstruments" abstract="false" name="UnrealizedLossesOfEquityInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" abstract="true" name="CashOrCashEquivalentsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" abstract="false" name="OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BaseScenarioMember" abstract="true" name="BaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SeniorManagementDeathAndDisability" abstract="false" name="SeniorManagementDeathAndDisability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A100BasisPointDecreaseMember" abstract="true" name="A100BasisPointDecreaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalCapitalPhasedInMember" abstract="true" name="TotalCapitalPhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecuritiesLocationByCountryDomain" abstract="true" name="SecuritiesLocationByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" abstract="false" name="ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" abstract="false" name="OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" abstract="false" name="ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SecuritizedLoansLineItems" abstract="true" name="SecuritizedLoansLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditDerivativesMember" abstract="true" name="CreditDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOfTangibleAssetsChangesInTheYear" abstract="false" name="ImpairmentOfTangibleAssetsChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LeverageRatio" abstract="false" name="LeverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_OtherInterestIncomeInterestAndOtherIncome" abstract="false" name="OtherInterestIncomeInterestAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashAndWithdrawableCentralBankReservesMember" abstract="true" name="CashAndWithdrawableCentralBankReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" abstract="false" name="AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" abstract="true" name="OfWhichPropertyOccupiedByBBVAInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsIssuedOtherThanCapital" abstract="false" name="EquityInstrumentsIssuedOtherThanCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_WeightedAverageNumberOfSharesOutstanding" abstract="false" name="WeightedAverageNumberOfSharesOutstanding" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" abstract="true" name="EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_Level1TradableAssetsMember" abstract="true" name="Level1TradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancingActivitiesLiabilitiesLineItems" abstract="true" name="FinancingActivitiesLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BreakdownByCounterpartyAndProductLineItems" abstract="true" name="BreakdownByCounterpartyAndProductLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuredTaxAssetsMember" abstract="true" name="SecuredTaxAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsHeldForTradingMember" abstract="true" name="FinancialAssetsHeldForTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TaxLossesMember" abstract="true" name="TaxLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TechnologyAndCybersecurityCommitteeMember" abstract="true" name="TechnologyAndCybersecurityCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalMaximumCreditRiskExposuresMember" abstract="true" name="TotalMaximumCreditRiskExposuresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" abstract="false" name="GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssetsOfTheGroupByOperatingSegmentsAxis" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" abstract="true" name="SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FeeAndCommissionExpenseLineItems" abstract="true" name="FeeAndCommissionExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" abstract="false" name="AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetLiabilityAssetMember" abstract="true" name="NetLiabilityAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SociedadesInmobiliariasCXMember" abstract="true" name="SociedadesInmobiliariasCXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" abstract="false" name="SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LCRMainLMUAxis" abstract="true" name="LCRMainLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AlturaMarketsSVSAMember" abstract="true" name="AlturaMarketsSVSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SubtotalUnlistedEquityInstrumentsMember" abstract="true" name="SubtotalUnlistedEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" abstract="false" name="PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" abstract="false" name="NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TotalTransferredFinancialLiabilitiesMember" abstract="true" name="TotalTransferredFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherNonLifeInsuranceProductsMember" abstract="true" name="OtherNonLifeInsuranceProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OperationsFinancingWithPublicGuarantee" abstract="false" name="OperationsFinancingWithPublicGuarantee" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" abstract="true" name="ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" abstract="true" name="CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVABBBRatingMember" abstract="true" name="BBVABBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OrganizedMarketOptionsMember" abstract="true" name="OrganizedMarketOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock" abstract="false" name="DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LIBORGBP" abstract="false" name="LIBORGBP" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestExpenseForInsuranceActivity" abstract="false" name="InterestExpenseForInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCustomersTableTextBlock" abstract="false" name="LoansAndAdvancesToCustomersTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownTable" abstract="true" name="PlanAssetsBreakdownTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DividendsRevenueTable" abstract="true" name="DividendsRevenueTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ShareholdersEquity" abstract="false" name="ShareholdersEquity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IssuanceOfOtherEquityInstruments" abstract="false" name="IssuanceOfOtherEquityInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentTestAssumptionsMexicoLineItems" abstract="true" name="ImpairmentTestAssumptionsMexicoLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LCRMainLMUTable" abstract="true" name="LCRMainLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PensionPlanAssets" abstract="false" name="PensionPlanAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" abstract="false" name="TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" abstract="false" name="ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsTable" abstract="true" name="OtherIntangibleAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsMaturityAxis" abstract="true" name="EstimatedBenefitPaymentsMaturityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RestrictedReserves" abstract="false" name="RestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentTangibleAssets" abstract="false" name="ImpairmentTangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyTable" abstract="true" name="DepositsFromBanksBreakdownByGeographyTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" abstract="false" name="ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ATOMBankPLCMember" abstract="true" name="ATOMBankPLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProductTable" abstract="true" name="IncomeByTypeOfInsuranceProductTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfScenarioDomain" abstract="true" name="TypeOfScenarioDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVAArgentineGroupMember" abstract="true" name="BBVAArgentineGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Tier2BeforeRegulatoryAdjustmentsMember" abstract="true" name="Tier2BeforeRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssestsAvailableForSale" abstract="false" name="NonCurrentAssestsAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DebtSecuritiesAvailableForSaleDomain" abstract="true" name="DebtSecuritiesAvailableForSaleDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryLineItems" abstract="true" name="CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" abstract="false" name="FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" abstract="true" name="DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditRiskHedgeCashFlowMember" abstract="true" name="CreditRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" abstract="true" name="AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_A100BasisPointIncreaseMember" abstract="true" name="A100BasisPointIncreaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" abstract="false" name="DebtSecuritiesMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TransferredFinancialAssetsDomain" abstract="true" name="TransferredFinancialAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_JaimeCaruanaLacorteMember" abstract="true" name="JaimeCaruanaLacorteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichOTCOtherFinancialCorporationsMember" abstract="true" name="OfWhichOTCOtherFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" abstract="false" name="SharesOfBBVAAcceptedInPledgeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InterestIncomeBreakdownByOriginTableTextBlock" abstract="false" name="InterestIncomeBreakdownByOriginTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichProjectFinanceLoansMember" abstract="true" name="OfWhichProjectFinanceLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InterestSpreadRiskMember" abstract="true" name="InterestSpreadRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SeniorManagementFundsAccumulated" abstract="false" name="SeniorManagementFundsAccumulated" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentsDomain" abstract="true" name="LiquidityAvailableByInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" abstract="true" name="AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IRDerivativesMember" abstract="true" name="IRDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CollateralReceivedMember" abstract="true" name="CollateralReceivedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGoldAssets" abstract="false" name="ForeignExchangeAndGoldAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfCommonStockTextBlock" abstract="false" name="DisclosureOfCommonStockTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DividendIncomeBreakdownByHeadlineLineItems" abstract="true" name="DividendIncomeBreakdownByHeadlineLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityInstrumentsRiskHedgeCashFlowMember" abstract="true" name="EquityInstrumentsRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecuritiesAgreementsHedgeAccountingMember" abstract="true" name="SecuritiesAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherCommitmentsAndFinancialGuaranteesGiven" abstract="false" name="OtherCommitmentsAndFinancialGuaranteesGiven" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoanCommitmentsGivenMember" abstract="true" name="LoanCommitmentsGivenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" abstract="true" name="ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityInstrumentsByCountryAxis" abstract="true" name="EquityInstrumentsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SubtotalAssetsByOperatingSegmentsMember" abstract="true" name="SubtotalAssetsByOperatingSegmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MarketValueMember" abstract="true" name="MarketValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" abstract="false" name="AccountingPolicyForFinancialInstrumentsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DepositsFromBanksTableTextBlock" abstract="false" name="DepositsFromBanksTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsDomain" abstract="true" name="OtherIntangibleAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfCounterpartyDomain" abstract="true" name="TypeOfCounterpartyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates" abstract="false" name="ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TaxRecognizedInTotalEquityAxis" abstract="true" name="TaxRecognizedInTotalEquityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FeeAndCommissionIncomeTableTextBlock" abstract="false" name="FeeAndCommissionIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" abstract="false" name="DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ExpectedLossVariationTable" abstract="true" name="ExpectedLossVariationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtCertificatesAtFairValue" abstract="false" name="DebtCertificatesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ConceptDomain" abstract="true" name="ConceptDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MathematicalReservesDomain" abstract="true" name="MathematicalReservesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalSecuredTaxAssets" abstract="false" name="TotalSecuredTaxAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CreditAndDebitCards" abstract="false" name="CreditAndDebitCards" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherOperatingExpenseTableTextBlock" abstract="false" name="OtherOperatingExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_GeographicalImpactOfTheStressTestDomain" abstract="true" name="GeographicalImpactOfTheStressTestDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostAxis" abstract="true" name="FinancialLiabilitiesAtAmortisedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NetInterimAttributableProfitMember" abstract="true" name="NetInterimAttributableProfitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" abstract="false" name="RestrictedReservesBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CompaniesMember" abstract="true" name="CompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" abstract="true" name="ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ExecutiveDirectorsLineItems" abstract="true" name="ExecutiveDirectorsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RalGalambaMember" abstract="true" name="RalGalambaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AdditionsOfImpairedAssets" abstract="false" name="AdditionsOfImpairedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectsOnNetCashInflowsFromDiscontinuedOperationsUSATable" abstract="true" name="EffectsOnNetCashInflowsFromDiscontinuedOperationsUSATable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GeographyAxisMarketRiskDomain" abstract="true" name="GeographyAxisMarketRiskDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AcquisitionsAndCapitalIncreases" abstract="false" name="AcquisitionsAndCapitalIncreases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisposalsByCompaniesHeldForSale" abstract="false" name="DisposalsByCompaniesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1Domain" abstract="true" name="AmountOfCapitalCC1Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TransferBetweenLevelsTableTextBlock" abstract="false" name="TransferBetweenLevelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InformationAndCommunicationsMember" abstract="true" name="InformationAndCommunicationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" abstract="false" name="OtherAdjustmentsAndDeductionsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" abstract="false" name="InterestExpenseForAdjustmentInterestOnAccountingCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" abstract="true" name="PostEmploymentCommitmentsBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CommitmentsAndGuaranteesGiven" abstract="false" name="CommitmentsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCustomersHeldForTradingAssets" abstract="false" name="LoansAndAdvancesToCustomersHeldForTradingAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCentralBanksMember" abstract="true" name="LoansAndAdvancesToCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" abstract="false" name="ForeignExchangeRateAndGoldMeasureAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ExecutiveDirectorsRetirement" abstract="false" name="ExecutiveDirectorsRetirement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SurveillanceAndSecurityServiceExpense" abstract="false" name="SurveillanceAndSecurityServiceExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonTradableAssetsEligibleForCentralBanksMember" abstract="true" name="NonTradableAssetsEligibleForCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InstrumentsCoveredByFairValueHedgesAxis" abstract="true" name="InstrumentsCoveredByFairValueHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HedgingInstrumentsAffectedByIborDomain" abstract="true" name="HedgingInstrumentsAffectedByIborDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DefinedBenefitsTableTextBlock" abstract="false" name="DefinedBenefitsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_SeniorManagementTableTextBlock" abstract="false" name="SeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" abstract="true" name="FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EducationMember" abstract="true" name="EducationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ShortPositionsHeldForTrading" abstract="false" name="ShortPositionsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ShareholderRemunerationSystemAbstract" abstract="true" name="ShareholderRemunerationSystemAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CentralBanksMember" abstract="true" name="CentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherComprehensiveIncomeChangesInGainsAndLosses" abstract="false" name="OtherComprehensiveIncomeChangesInGainsAndLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PositiveScenarioMember" abstract="true" name="PositiveScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Households" abstract="false" name="Households" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairedFinancialAssetsAtAmortisedCost" abstract="false" name="ImpairedFinancialAssetsAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A2020Member" abstract="true" name="A2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesIssuedMember" abstract="true" name="DebtSecuritiesIssuedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PreferredStock" abstract="false" name="PreferredStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DemandAccounts" abstract="false" name="DemandAccounts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DecreaseTimeBarredDebtAndOtherCauses" abstract="false" name="DecreaseTimeBarredDebtAndOtherCauses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeferredTaxAssetsAndLiabilities" abstract="false" name="DeferredTaxAssetsAndLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TaxLiabilities" abstract="false" name="TaxLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OperationsWithPaymentDeferral" abstract="false" name="OperationsWithPaymentDeferral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationBBVADirectorsLineItems" abstract="true" name="AnnualVariableRemunerationBBVADirectorsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock" abstract="false" name="FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoLineItems" abstract="true" name="SensitivityAnalysisForMainAssumptionsMexicoLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichHyperinflationEffectFromFinancingActivities" abstract="false" name="OfWhichHyperinflationEffectFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" abstract="false" name="TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" abstract="false" name="DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BBVAUruguayGroupMember" abstract="true" name="BBVAUruguayGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" abstract="true" name="BrokenDownEncumberedAndUnencumberedAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAGarantiMember" abstract="true" name="BBVAGarantiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialGuaranteesGivenRelatedPartyTransactions" abstract="false" name="FinancialGuaranteesGivenRelatedPartyTransactions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" abstract="false" name="CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CountryDomain" abstract="true" name="CountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationAxis" abstract="true" name="AnnualVariableRemunerationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HiperinflationAdjustmentsOtherOperatingExpense" abstract="false" name="HiperinflationAdjustmentsOtherOperatingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A2023Member" abstract="true" name="A2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RemunerationForNonExecutiveDirectorsLineItems" abstract="true" name="RemunerationForNonExecutiveDirectorsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" abstract="true" name="FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" abstract="false" name="ProfitAttributableToNonControllingInterestsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" abstract="false" name="InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" abstract="true" name="DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" abstract="false" name="PercentageOfDebtSecuritiesAtAmortizedCostByRating" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_DefinedContributionPlanExpense" abstract="false" name="DefinedContributionPlanExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetIncreaseDecreaseInOperatingAssets" abstract="false" name="NetIncreaseDecreaseInOperatingAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasurySharesChangesOfTheYearAxis" abstract="true" name="TreasurySharesChangesOfTheYearAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" abstract="false" name="EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" abstract="false" name="DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InteresetExpenseAndSimilarChargesForPensions" abstract="false" name="InteresetExpenseAndSimilarChargesForPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalTransferredFinancialAssetsMember" abstract="true" name="TotalTransferredFinancialAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MarketRiskSensitivityAnalysisLineItems" abstract="true" name="MarketRiskSensitivityAnalysisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" abstract="true" name="ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CoveredBonsMember" abstract="true" name="CoveredBonsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ConvertiblePerpetualCertificatesMember" abstract="true" name="ConvertiblePerpetualCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsTableTextBlock" abstract="false" name="MedicalBenefitsCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_AdministrativeAndSupportServiceActivitiesMember" abstract="true" name="AdministrativeAndSupportServiceActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForeignCompanySharesMember" abstract="true" name="ForeignCompanySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" abstract="false" name="ChangesInFairValueNotRecognizedInProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" abstract="true" name="EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ExposureToLeverageRatio" abstract="false" name="ExposureToLeverageRatio" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" abstract="true" name="PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EncumberedAndUnencumberedAssetsAxis" abstract="true" name="EncumberedAndUnencumberedAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAbstract" abstract="true" name="FairValueOfFinancialInstrumentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" abstract="false" name="ProbabilityOfDefaultOfContingentRiskAndCommitments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_ConsiderationReceivedSatisfiedInCashUSA" abstract="false" name="ConsiderationReceivedSatisfiedInCashUSA" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" abstract="true" name="OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SharePremiumAbstract" abstract="true" name="SharePremiumAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LeverageRatioTableTextBlock" abstract="false" name="LeverageRatioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichBankAccountInBBVAInListedMarketsMember" abstract="true" name="OfWhichBankAccountInBBVAInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProductTableTextBlock" abstract="false" name="IncomeByTypeOfInsuranceProductTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TaxRecognizedInTotalEquityTableTextBlock" abstract="false" name="TaxRecognizedInTotalEquityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LevelsOfFairValueHierarchyDomain" abstract="true" name="LevelsOfFairValueHierarchyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" abstract="false" name="FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" abstract="true" name="NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalForeignMember" abstract="true" name="TotalForeignMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NatureOfTheTransactionsLineItems" abstract="true" name="NatureOfTheTransactionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" abstract="false" name="AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" abstract="true" name="ClassesOfFinancialInstrumentsCollateralReceivedAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock" abstract="false" name="DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueTableTextBlock" abstract="false" name="FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NSFRMainLMUTableTextBlock" abstract="false" name="NSFRMainLMUTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_SecuritiesLendingOnBehalfOfThirdParties" abstract="false" name="SecuritiesLendingOnBehalfOfThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VenezuelaBolivarMember" abstract="true" name="VenezuelaBolivarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" abstract="false" name="TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NetAnnualOriginationOfFinancialAssets" abstract="false" name="NetAnnualOriginationOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" abstract="true" name="AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" abstract="true" name="DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationLineItems" abstract="true" name="DeferredAnnualVariableRemunerationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" abstract="true" name="OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" abstract="true" name="DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PercentageEffectiveTaxRate" abstract="false" name="PercentageEffectiveTaxRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_DisinvestmentsInFinancingActivities" abstract="false" name="DisinvestmentsInFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" abstract="true" name="LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BalanceAtTheEndOfNetCarryingValue" abstract="false" name="BalanceAtTheEndOfNetCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GDPOver100Bp" abstract="false" name="GDPOver100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_CreditAndDebitCardsExpenses" abstract="false" name="CreditAndDebitCardsExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichIndividualMember" abstract="true" name="OfWhichIndividualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfRiskManagementTextBlock" abstract="false" name="DisclosureOfRiskManagementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_EntitiesByMainActivitiesDomain" abstract="true" name="EntitiesByMainActivitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAxis" abstract="true" name="FinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RatingAxis" abstract="true" name="RatingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalRestrictedReserves" abstract="false" name="TotalRestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" abstract="false" name="AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BBVACCCMinusRatingMember" abstract="true" name="BBVACCCMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ConsiderationReceivedSatisfiedInCashParaguay" abstract="false" name="ConsiderationReceivedSatisfiedInCashParaguay" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" abstract="true" name="ClassesOfFinancialInstrumentsCollateralReceivedDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOfNonCurrentAssetsHeldForSale" abstract="false" name="ImpairmentOfNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SubordinatedLiabilitiesMember" abstract="true" name="SubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" abstract="false" name="GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_WaterSupplyMember" abstract="true" name="WaterSupplyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CostOfTangibleAssetsChangesInTheYear" abstract="false" name="CostOfTangibleAssetsChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeductionsEligibleCapitalResources" abstract="false" name="DeductionsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" abstract="false" name="ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InvestmentInListedMarketsAxis" abstract="true" name="InvestmentInListedMarketsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmericanDepositarySharesMember" abstract="true" name="AmericanDepositarySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A5To11Member" abstract="true" name="A5To11Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PeruBBVAMember" abstract="true" name="PeruBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_JuanPiLlorensMember" abstract="true" name="JuanPiLlorensMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" abstract="false" name="OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentsAxis" abstract="true" name="LiquidityAvailableByInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAndInsuranceActivitiesMember" abstract="true" name="FinancialAndInsuranceActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BasisPointVariationDomain" abstract="true" name="BasisPointVariationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SubjectTo12MonthECLMember" abstract="true" name="SubjectTo12MonthECLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MiningAndQuarryingMember" abstract="true" name="MiningAndQuarryingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MainCurrenciesSensitivityAxis" abstract="true" name="MainCurrenciesSensitivityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EncumberedAndUnencumberedAsstesTableTextBlock" abstract="false" name="EncumberedAndUnencumberedAsstesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" abstract="false" name="TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RemunerationForNonExecutiveDirectorsTable" abstract="true" name="RemunerationForNonExecutiveDirectorsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HousingPrice100Bp" abstract="false" name="HousingPrice100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_InterestRateMeasureAtFairValue" abstract="false" name="InterestRateMeasureAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssetsLiabilitiesLineItems" abstract="true" name="AssetsLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MemorandumOtherCommitmentsGiven" abstract="false" name="MemorandumOtherCommitmentsGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ElectricityGasSteamAndAirConditioningSupplyMember" abstract="true" name="ElectricityGasSteamAndAirConditioningSupplyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ConversionsToDefinedContributions" abstract="false" name="ConversionsToDefinedContributions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A0To2Member" abstract="true" name="A0To2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DerivativesAxis" abstract="true" name="DerivativesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DiscountRateSensitivityAnalysisMember" abstract="true" name="DiscountRateSensitivityAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherAgreementsHedgeAccountingMember" abstract="true" name="OtherAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" abstract="false" name="MainMarginsAndProfitByOperatingSegmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FurnitureMember" abstract="true" name="FurnitureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AdditionsTransferToDiscontinuedOperations" abstract="false" name="AdditionsTransferToDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A11To39Member" abstract="true" name="A11To39Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherContingentAssetsAndLiabilitiesAbstract" abstract="true" name="OtherContingentAssetsAndLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" abstract="false" name="GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FromChangesInDemographicAssumptionsMember" abstract="true" name="FromChangesInDemographicAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialLiabilitiesHeldForTradingLineItems" abstract="true" name="DisclosureOfFinancialLiabilitiesHeldForTradingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" abstract="false" name="AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NetInterestIncomeAbstract" abstract="true" name="NetInterestIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SharesOfBBVAAcceptedInPledgeLineItems" abstract="true" name="SharesOfBBVAAcceptedInPledgeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonFinancialCorporationsMember" abstract="true" name="NonFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" abstract="true" name="DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RetirementsTangibleAssetsMember" abstract="true" name="RetirementsTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" abstract="false" name="OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ConsolidatedIncomeStatementImpactLineItems" abstract="true" name="ConsolidatedIncomeStatementImpactLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" abstract="false" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AppointmentsCommitteeMember" abstract="true" name="AppointmentsCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TangibleAssetsBreakdownByDetailAxis" abstract="true" name="TangibleAssetsBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAColombiaGroupMember" abstract="true" name="BBVAColombiaGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherImpairmentLosses" abstract="false" name="OtherImpairmentLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentTable" abstract="true" name="LiquidityAvailableByInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AccountingPolicyForFinancialGuaranteesTextBlock" abstract="false" name="AccountingPolicyForFinancialGuaranteesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherAssetsAccruals" abstract="false" name="OtherAssetsAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherAssetsAndLiabilitiesAbstract" abstract="true" name="OtherAssetsAndLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherAssetsAndLiabilitiesTableTextBlock" abstract="false" name="OtherAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ListOfGroupAndSubsidiariesAxis" abstract="true" name="ListOfGroupAndSubsidiariesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTable" abstract="true" name="CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" abstract="true" name="EffectOffsettingForDerivativesAndSecuritiesOperationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CollateralPledgesReceivedTableTextBlock" abstract="false" name="CollateralPledgesReceivedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DeferredAVRSeniorManagementAxis" abstract="true" name="DeferredAVRSeniorManagementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVACCMinusRatingMember" abstract="true" name="BBVACCMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesByCounterpartyAndProduct" abstract="false" name="LoansAndAdvancesByCounterpartyAndProduct" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpactOfTheStressTestLineItems" abstract="true" name="ImpactOfTheStressTestLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" abstract="false" name="TotalTangibleAssetsBySpanishAndForeignSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectiveTaxRateDomain" abstract="true" name="EffectiveTaxRateDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BreakdownOfDebtSecuritiesByRatingTable" abstract="true" name="BreakdownOfDebtSecuritiesByRatingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVABBMinusRatingMember" abstract="true" name="BBVABBMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BreakdownByUGEsDomain" abstract="true" name="BreakdownByUGEsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostDomain" abstract="true" name="FinancialLiabilitiesAtAmortisedCostDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IssuedInEurosMember" abstract="true" name="IssuedInEurosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InterimDividends" abstract="false" name="InterimDividends" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CorrelationDefault" abstract="false" name="CorrelationDefault" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_BasisPointsChangeSensitivityAnalysis" abstract="false" name="BasisPointsChangeSensitivityAnalysis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" abstract="false" name="TransactionsOnBehalfOfThirdPartiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_UnclassifiedMember" abstract="true" name="UnclassifiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Impairment" abstract="false" name="Impairment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" abstract="false" name="TotalLoansAndAdvancesMaturingInMoreThanOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IBORIndicesLineItems" abstract="true" name="IBORIndicesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" abstract="false" name="RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationBBVADirectorsInCash" abstract="false" name="AnnualVariableRemunerationBBVADirectorsInCash" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PeriodTimeAxis" abstract="true" name="PeriodTimeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HoldingCompanyMember" abstract="true" name="HoldingCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichInterestRateFairValueHedgesMember" abstract="true" name="OfWhichInterestRateFairValueHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" abstract="true" name="CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostLineItems" abstract="true" name="FinancialAssetsAtAmortisedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HedgingDerivativesMember" abstract="true" name="HedgingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" abstract="false" name="DisclosureOfCapitalBaseAndCapitalManagementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" abstract="false" name="ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" abstract="false" name="LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DefinedBenefitPlansExpense" abstract="false" name="DefinedBenefitPlansExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichLossAllowancesOfDebtSecurities" abstract="false" name="OfWhichLossAllowancesOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DebtCertificatesMember" abstract="true" name="DebtCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" abstract="true" name="EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAUSABancsharesGroupMember" abstract="true" name="BBVAUSABancsharesGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" abstract="true" name="AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRiskThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRiskThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProvisionOrReversalOfProvisions" abstract="false" name="ProvisionOrReversalOfProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_UnrealizedLossesOfDebtSecurities" abstract="false" name="UnrealizedLossesOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" abstract="false" name="AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_HedgingInstrumentsAffectedByIBORTable" abstract="true" name="HedgingInstrumentsAffectedByIBORTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_A2019Member" abstract="true" name="A2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EligibleCapitalResourcesLineItems" abstract="true" name="EligibleCapitalResourcesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" abstract="false" name="AccountingPolicyForInsuranceContractsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" abstract="false" name="FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_EquityInstrumentsMember" abstract="true" name="EquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" abstract="true" name="FinancialAssetsAtFairValueBreakdownByLevelsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" abstract="true" name="LaterThanNineMonthsAndNotLaterThanOneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryAxis" abstract="true" name="CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsDomain" abstract="true" name="MedicalBenefitsCommitmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" abstract="true" name="RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CustomerDepositsByCountryAxis" abstract="true" name="CustomerDepositsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BalanceAt31stDecemberOfEachYearTable" abstract="true" name="BalanceAt31stDecemberOfEachYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis" abstract="true" name="TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ColombiaBBVAMember" abstract="true" name="ColombiaBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" abstract="false" name="ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BySubordinationMember" abstract="true" name="BySubordinationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PercentageRatioPhaseIn" abstract="false" name="PercentageRatioPhaseIn" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" abstract="true" name="ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NominalValueOfSharesOfBBVAAcceptedInPledge" abstract="false" name="NominalValueOfSharesOfBBVAAcceptedInPledge" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TangibleAssetsBreakdownByDetailDomain" abstract="true" name="TangibleAssetsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RestOfBusinessMember" abstract="true" name="RestOfBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DivarianPropiedadSAUMember" abstract="true" name="DivarianPropiedadSAUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" abstract="true" name="ReclassificationOfFinancialAssetsFromAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsFinancialLiabilitiesHeldForTrading" abstract="false" name="DepositsFinancialLiabilitiesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CompaniesHeldForSale" abstract="false" name="CompaniesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepreciationRatesForTangibleAssetsTableTextBlock" abstract="false" name="DepreciationRatesForTangibleAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PrivateIndividualsMember" abstract="true" name="PrivateIndividualsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MemorandumLoanCommitmentsGiven" abstract="false" name="MemorandumLoanCommitmentsGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChangeInInventories" abstract="false" name="ChangeInInventories" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" abstract="true" name="TotalRegulatoryAdjustmentsToAdditionalTier1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TransfersAndOtherPaymentOrders" abstract="false" name="TransfersAndOtherPaymentOrders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentFinancialAssetsMeasuredAtCost" abstract="false" name="ImpairmentFinancialAssetsMeasuredAtCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProvisionsOrReversalOfProvisionsAbstract" abstract="true" name="ProvisionsOrReversalOfProvisionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IncomeByOperatingSegmentAxis" abstract="true" name="IncomeByOperatingSegmentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" abstract="false" name="OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CompoundConvertibleFinancialInstruments" abstract="false" name="CompoundConvertibleFinancialInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BBVAARatingMember" abstract="true" name="BBVAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ComponentsOfEquityTreasuryStockLineItems" abstract="true" name="ComponentsOfEquityTreasuryStockLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfBBVAGroupTextBlock" abstract="false" name="DisclosureOfBBVAGroupTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" abstract="false" name="PersonnelExpenseConsolidatedIncomeStatementImpact" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" abstract="false" name="DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" abstract="true" name="ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LtSCDByLMUTable" abstract="true" name="LtSCDByLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityInstrumentsByCountryDomain" abstract="true" name="EquityInstrumentsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestRateDomain" abstract="true" name="InterestRateDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsHeldForTradingLineItems" abstract="true" name="DisclosureOfFinancialAssetsHeldForTradingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_Checks" abstract="false" name="Checks" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ForeignExchangeMovement" abstract="false" name="ForeignExchangeMovement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesTableTextBlock" abstract="false" name="OtherFinancialLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" abstract="true" name="DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValueThroughProfitOrLoss" abstract="false" name="LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" abstract="false" name="DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" abstract="false" name="AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_MaximumExposureToCreditRiskLineItems" abstract="true" name="MaximumExposureToCreditRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CapitalAndSharePremiumMember" abstract="true" name="CapitalAndSharePremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeMember" abstract="true" name="ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementDomain" abstract="true" name="DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherRiskMember" abstract="true" name="OtherRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InterestIncomeByOriginLineItems" abstract="true" name="InterestIncomeByOriginLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TechnologyAndSystems" abstract="false" name="TechnologyAndSystems" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByTypeAxis" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RangesTreasuryStockAxis" abstract="true" name="RangesTreasuryStockAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationSeniorManagementLineItems" abstract="true" name="AnnualVariableRemunerationSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TransfersOtherMovementsAndExchageDifferences" abstract="false" name="TransfersOtherMovementsAndExchageDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureToCustomersLineItems" abstract="true" name="MaximumCreditRiskExposureToCustomersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SettlementsPaymentsMember" abstract="true" name="SettlementsPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" abstract="false" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DepreciableAssetsDomain" abstract="true" name="DepreciableAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" abstract="true" name="PostEmploymentCommitmentsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" abstract="false" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_EquityImpactAxis" abstract="true" name="EquityImpactAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtAmortizedCostDomain" abstract="true" name="FinancialInstrumentsAtAmortizedCostDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PaymentDeferral" abstract="false" name="PaymentDeferral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SensitivityAnalysisTableTextBlock" abstract="false" name="SensitivityAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AdjustmentAdditionalTier1Securities" abstract="false" name="AdjustmentAdditionalTier1Securities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherServicesRenderedTableTextBlock" abstract="false" name="OtherServicesRenderedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_A2024Member" abstract="true" name="A2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RedsysServiciosDeProcesamientoSLMember" abstract="true" name="RedsysServiciosDeProcesamientoSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BankGuaranteesToRelatedParties" abstract="false" name="BankGuaranteesToRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RetainedEarningsAndEquityInstrumentsMember" abstract="true" name="RetainedEarningsAndEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" abstract="false" name="GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DecreaseSales" abstract="false" name="DecreaseSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_Tier1EligibleCapitalResources" abstract="false" name="Tier1EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CumulatedCounterbalancingCapacityMember" abstract="true" name="CumulatedCounterbalancingCapacityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LIBORUSDMaturityAfterJune302023" abstract="false" name="LIBORUSDMaturityAfterJune302023" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CommoditiesMember" abstract="true" name="CommoditiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsAxis" abstract="true" name="MedicalBenefitsCommitmentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" abstract="false" name="InterestIncomeForAdjustmentInterestOnAccountingCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" abstract="false" name="DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsAxis" abstract="true" name="OtherIntangibleAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" abstract="false" name="ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FinancialMember" abstract="true" name="FinancialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RestOfTheWorldMember" abstract="true" name="RestOfTheWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" abstract="false" name="AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_HouseholdsMember" abstract="true" name="HouseholdsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CashFlowHedgesIneffectivenessMember" abstract="true" name="CashFlowHedgesIneffectivenessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgesAffectedByTheIBORReformTable" abstract="true" name="HedgesAffectedByTheIBORReformTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" abstract="false" name="FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTable" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" abstract="false" name="DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AcquisitionOfSubsidiariesInTheYearMember" abstract="true" name="AcquisitionOfSubsidiariesInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock" abstract="false" name="SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DisposalEntitiesHeldForSale" abstract="false" name="DisposalEntitiesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_HousingPriceOver100Bp" abstract="false" name="HousingPriceOver100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_OtherProvisionsOrReversalOfProvisions" abstract="false" name="OtherProvisionsOrReversalOfProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" abstract="false" name="ResidualMaturitiesByContractualPeriodsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" abstract="false" name="TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FinancialInstrumentsDomain" abstract="true" name="FinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" abstract="true" name="TypeOfRiskProductOrMarketOfDerivativesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_UnrealizedGainsOfEquityInstruments" abstract="false" name="UnrealizedGainsOfEquityInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" abstract="false" name="FinancialLiabilitiesAtAmortisedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_EndOfPeriodVaRMember" abstract="true" name="EndOfPeriodVaRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GovernmentAgencyDebtSecuritiesMember" abstract="true" name="GovernmentAgencyDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsChangesOfTheYear" abstract="false" name="MedicalBenefitsCommitmentsChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" abstract="false" name="JointVenturesAndAssociatesChangesInTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherNonControllingInterestItems" abstract="false" name="OtherNonControllingInterestItems" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" abstract="false" name="CarryingAmountOfDebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" abstract="false" name="RestrictedReserveForParentCompanySharesAndLoansForThoseShares" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationSeniorManagementTable" abstract="true" name="AnnualVariableRemunerationSeniorManagementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AverageNSFRMainLMU" abstract="false" name="AverageNSFRMainLMU" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_AmountsTransferredToIncome" abstract="false" name="AmountsTransferredToIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" abstract="false" name="SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichLendingForHousePurchaseMember" abstract="true" name="OfWhichLendingForHousePurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TradingDerivativesHedgeAccountingMember" abstract="true" name="TradingDerivativesHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" abstract="true" name="LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MathematicalReservesAxis" abstract="true" name="MathematicalReservesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" abstract="false" name="IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LIBORUSD" abstract="false" name="LIBORUSD" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OTCOptionsMember" abstract="true" name="OTCOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SoldUSASubsidiaryMember" abstract="true" name="SoldUSASubsidiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LCRMainLMUTableTextBlock" abstract="false" name="LCRMainLMUTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_IssuedByCentralBanksMember" abstract="true" name="IssuedByCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ObservableInputs" abstract="false" name="ObservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVACCCPlusRatingMember" abstract="true" name="BBVACCCPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" abstract="true" name="AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAMexicoMember" abstract="true" name="BBVAMexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostDomain" abstract="true" name="FinancialAssetsAtAmortisedCostDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesInOtherIntangibleAssetsTable" abstract="true" name="ChangesInOtherIntangibleAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestExpenseBreakdownByOriginTableTextBlock" abstract="false" name="InterestExpenseBreakdownByOriginTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" abstract="true" name="CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PersonnelExpensesLineItems" abstract="true" name="PersonnelExpensesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LoanCommitmentsGivenRelatedPartyTransactions" abstract="false" name="LoanCommitmentsGivenRelatedPartyTransactions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterimDividendsMember" abstract="true" name="InterimDividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MedicalCostTrendRateSensitivityAnalysisMember" abstract="true" name="MedicalCostTrendRateSensitivityAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecurilizationBondsMember" abstract="true" name="SecurilizationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" abstract="false" name="CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_SolarisbankAGMember" abstract="true" name="SolarisbankAGMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VaRMaxInTheYearMember" abstract="true" name="VaRMaxInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" abstract="false" name="IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FairValueAndCarryingValueAxis" abstract="true" name="FairValueAndCarryingValueAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfTangibleAssetsAxis" abstract="true" name="ClassesOfTangibleAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVACashBalanceAvailableToTheDate" abstract="false" name="BBVACashBalanceAvailableToTheDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" abstract="false" name="TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SensitivityAnalysisTable" abstract="true" name="SensitivityAnalysisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ExecutiveCommitteeMember" abstract="true" name="ExecutiveCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TaxAssetsAndLiabilitiesTableTextBlock" abstract="false" name="TaxAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NegativeScenarioMember" abstract="true" name="NegativeScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" abstract="true" name="RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis" abstract="true" name="FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVABRatingMember" abstract="true" name="BBVABRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A1125FixedRateSeniorNotesDue2023Member" abstract="true" name="A1125FixedRateSeniorNotesDue2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AmortizedCostOfDebtSecurities" abstract="false" name="AmortizedCostOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" abstract="true" name="DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" abstract="false" name="DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" abstract="false" name="LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" abstract="true" name="HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" abstract="false" name="GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyDomain" abstract="true" name="DepositsFromBanksBreakdownByGeographyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherLiabilitiesAccruals" abstract="false" name="OtherLiabilitiesAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentFinancialAssetsAtAmortisedCost" abstract="false" name="ImpairmentFinancialAssetsAtAmortisedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" abstract="false" name="GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" abstract="true" name="ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NetAmount" abstract="false" name="NetAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfShareholderRemunerationSystemTextBlock" abstract="false" name="DisclosureOfShareholderRemunerationSystemTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" abstract="false" name="UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTable" abstract="true" name="CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TransfersFromStage3" abstract="false" name="TransfersFromStage3" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" abstract="false" name="DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems" abstract="true" name="GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_SignificantUnobservableInputsLineItems" abstract="true" name="SignificantUnobservableInputsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" abstract="true" name="IntangibleAssetsWithDefiniteUsefulLifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecurityPledgeFundingMember" abstract="true" name="SecurityPledgeFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForeignCurrencyTranslation" abstract="false" name="ForeignCurrencyTranslation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EquityDerivativesMember" abstract="true" name="EquityDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalConsolidatedIncomeStatementImpact" abstract="false" name="TotalConsolidatedIncomeStatementImpact" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RetainedEarningsAndOtherReservesTableTextBlock" abstract="false" name="RetainedEarningsAndOtherReservesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetLiabilityAssetChangesOfTheYear" abstract="false" name="NetLiabilityAssetChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" abstract="false" name="DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" abstract="true" name="AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PeriodTimeDomain" abstract="true" name="PeriodTimeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureTableTextBlock" abstract="false" name="MaximumCreditRiskExposureTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CreditDefaultVolatility" abstract="false" name="CreditDefaultVolatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
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  <xs:element id="bbva_GroupBBVAMember" abstract="true" name="GroupBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VaRMinInTheYearMember" abstract="true" name="VaRMinInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalCapitalTier1Tier2EligibleCapitalResources" abstract="false" name="TotalCapitalTier1Tier2EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TypesOfLoansAndReceivablesAxis" abstract="true" name="TypesOfLoansAndReceivablesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxAssetsAndLiabilitiesLineItems" abstract="true" name="TaxAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangesInGainsLossesTable" abstract="true" name="ChangesInGainsLossesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NumberOfTreasuryShares" abstract="false" name="NumberOfTreasuryShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" abstract="true" name="BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IncreaseOf50BasisPointsMember" abstract="true" name="IncreaseOf50BasisPointsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Unemployment" abstract="false" name="Unemployment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="bbva_TotalGroupAssetsByOperatingSegmentsTableTextBlock" abstract="false" name="TotalGroupAssetsByOperatingSegmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVAAAPlusMember" abstract="true" name="BBVAAAPlusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGold" abstract="false" name="ForeignExchangeAndGold" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherNonConvertibleSubordinatedLiabilities" abstract="false" name="OtherNonConvertibleSubordinatedLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryAxis" abstract="true" name="CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueByLevelsLineItems" abstract="true" name="FinancialAssetsAtFairValueByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ComparablePricesInputs" abstract="false" name="ComparablePricesInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_OtherDeductionsAndFiltersMember" abstract="true" name="OtherDeductionsAndFiltersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" abstract="true" name="ContributionToConsolidatedGroupTotalAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CarlosSalazarLomelnMember" abstract="true" name="CarlosSalazarLomelnMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VoluntaryReserves" abstract="false" name="VoluntaryReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" abstract="true" name="ForeignExchangeAndGoldRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" abstract="false" name="ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ResidualMaturitiesByContractualPeriodsTable" abstract="true" name="ResidualMaturitiesByContractualPeriodsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" abstract="false" name="ShortPositionsFinancialLiabilitiesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" abstract="false" name="GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EquityRiskMember" abstract="true" name="EquityRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReservesAcumulatedGains" abstract="false" name="ReservesAcumulatedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_DerivativesNetMember" abstract="true" name="DerivativesNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsHeldForTrading" abstract="false" name="EquityInstrumentsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterimDividendEligibleCapitalResources" abstract="false" name="InterimDividendEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember" abstract="true" name="PublicAdministrationAndDefenseCompulsorySocialSecurityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalReturnSwapMember" abstract="true" name="TotalReturnSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" abstract="false" name="InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_OfWhichSecuredFinancialInstrumentsDomain" abstract="true" name="OfWhichSecuredFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_SeniorManagementTotalAnnualFixedRemuneration" abstract="false" name="SeniorManagementTotalAnnualFixedRemuneration" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedByOtherFirms" abstract="false" name="FeesForAuditsConductedByOtherFirms" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_Stage1And2Member" abstract="true" name="Stage1And2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_InsuranceTypologyDomain" abstract="true" name="InsuranceTypologyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_AmountOfProposedInterimDividend" abstract="false" name="AmountOfProposedInterimDividend" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_FairValueOfDebtSecurities" abstract="false" name="FairValueOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TheoreticalSharesTableTextBlock" abstract="false" name="TheoreticalSharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ForeignExchangeAgreementsHedgeAccountingMember" abstract="true" name="ForeignExchangeAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" abstract="false" name="AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" abstract="false" name="NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillBeReclassifiedToProfitOrLoss" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" abstract="true" name="FeesForAuditsConductedAndOtherRelatedServicesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SubtotalListedEquityInstrumentsMember" abstract="true" name="SubtotalListedEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ClassesOfTangibleAssetsDomain" abstract="true" name="ClassesOfTangibleAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_A2To5Member" abstract="true" name="A2To5Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" abstract="false" name="ProceedsFromOtherCollectionsRelatedToInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_StockMarketRiskMember" abstract="true" name="StockMarketRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" abstract="false" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CategoriesOfRelatedPartiesDomain" abstract="true" name="CategoriesOfRelatedPartiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_OfWhichHeldByBbvaSaMember" abstract="true" name="OfWhichHeldByBbvaSaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CommercialPropertyMember" abstract="true" name="CommercialPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ExecutiveDirectorsDeathAndDisability" abstract="false" name="ExecutiveDirectorsDeathAndDisability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashOrCashEquivalentsInListedMarketsMember" abstract="true" name="CashOrCashEquivalentsInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonConvertibleBondsAndDebenturesMember" abstract="true" name="NonConvertibleBondsAndDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredTaxAssetsMember" abstract="true" name="DeferredTaxAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureTable" abstract="true" name="MaximumCreditRiskExposureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MathematicalReservesBreakdownByCountryAxis" abstract="true" name="MathematicalReservesBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TangibleAssets" abstract="false" name="TangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome" abstract="false" name="ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesHeldForTrading" abstract="false" name="LoansAndAdvancesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclousreOfDerivativeFinancialAssetsHeldForHedgingLineItems" abstract="true" name="DisclousreOfDerivativeFinancialAssetsHeldForHedgingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" abstract="true" name="TaxationAtSpanishCorporationTaxRate30PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" abstract="false" name="ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfSharePremiumTextBlock" abstract="false" name="DisclosureOfSharePremiumTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_RestrictedReserveForRedenominationOfCapitalInEuros" abstract="false" name="RestrictedReserveForRedenominationOfCapitalInEuros" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccountingPolicyForGoodwillPolicyTextBlock" abstract="false" name="AccountingPolicyForGoodwillPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedTableTextBlock" abstract="false" name="LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ClosingRangeMember" abstract="true" name="ClosingRangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CompaiaDeCarteraDeInversionesSAMember" abstract="true" name="CompaiaDeCarteraDeInversionesSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ResidualMaturitiesInstrumentsAxis" abstract="true" name="ResidualMaturitiesInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CustomerDepositsHeldForTrading" abstract="false" name="CustomerDepositsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DebtSecuritiesByRatingTableTextBlock" abstract="false" name="DebtSecuritiesByRatingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TaxAssetsAndLiabilitiesTable" abstract="true" name="TaxAssetsAndLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" abstract="false" name="DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherOperatingIncomeExpenseAbstract" abstract="true" name="OtherOperatingIncomeExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationTable" abstract="true" name="DeferredAnnualVariableRemunerationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" abstract="true" name="JointVenturesAndAssociatesBreakdownByEntitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PotentialImpactOnConsolidatedIncomeStatementMember" abstract="true" name="PotentialImpactOnConsolidatedIncomeStatementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RemeasurementsOnIncomeStatement" abstract="false" name="RemeasurementsOnIncomeStatement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LtSCDByLMUTableTextBlock" abstract="false" name="LtSCDByLMUTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_MathematicalReservesLineItems" abstract="true" name="MathematicalReservesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_Stage3Member" abstract="true" name="Stage3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_YearsDomain" abstract="true" name="YearsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EncumberedAssets" abstract="false" name="EncumberedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" abstract="false" name="ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepreciationRatesForTangibleAssetsDomain" abstract="true" name="DepreciationRatesForTangibleAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ShareholdersFundsEligibleCapitalResources" abstract="false" name="ShareholdersFundsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BBVAAllianzSegurosYReasegurosSAMember" abstract="true" name="BBVAAllianzSegurosYReasegurosSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TaxRecognizedInTotalEquityDomain" abstract="true" name="TaxRecognizedInTotalEquityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVABancomerGroupMember" abstract="true" name="BBVABancomerGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MainInputsUsed" abstract="false" name="MainInputsUsed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostAbstract" abstract="true" name="FinancialAssetsAtAmortisedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalTier1" abstract="false" name="TotalTier1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueByLevelsTable" abstract="true" name="FinancialAssetsAtFairValueByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfAssetsAxisAxis" abstract="true" name="ClassesOfAssetsAxisAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" abstract="false" name="ProvisionsOrReversalOfProvisionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_UnpaidCapitalWhichHasBeenCalledUp" abstract="false" name="UnpaidCapitalWhichHasBeenCalledUp" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" abstract="false" name="RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PortfolioAxis" abstract="true" name="PortfolioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TransfersAndOtherChangesForPensions" abstract="false" name="TransfersAndOtherChangesForPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" abstract="false" name="HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IssueOfPreferredShares" abstract="false" name="IssueOfPreferredShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherExchangesMember" abstract="true" name="OtherExchangesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" abstract="true" name="ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" abstract="false" name="MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DerivativesOnBbvaSharesMember" abstract="true" name="DerivativesOnBbvaSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" abstract="false" name="DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" abstract="true" name="InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" abstract="false" name="IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" abstract="false" name="AccountingPolicyForBusinessCombinationsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_LeastFavorableHypothesisMember" abstract="true" name="LeastFavorableHypothesisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherSectorsMember" abstract="true" name="OtherSectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TimeDepositsAndOtherMember" abstract="true" name="TimeDepositsAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfPaymentDeferralAxis" abstract="true" name="TypeOfPaymentDeferralAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" abstract="false" name="DisclosureOfTaxAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AnaRevengaShanklinMember" abstract="true" name="AnaRevengaShanklinMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MathematicalReservesTable" abstract="true" name="MathematicalReservesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityImpactDomain" abstract="true" name="EquityImpactDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PaymentsForTreasuryStockAcquisition" abstract="false" name="PaymentsForTreasuryStockAcquisition" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" abstract="false" name="DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TimeDepostisAndOtherMember" abstract="true" name="TimeDepostisAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentTableTextBlock" abstract="false" name="LiquidityAvailableByInstrumentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BBVAPeruGroupMember" abstract="true" name="BBVAPeruGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="ProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssuranceServicesAndOtherRequiredByTheRegulator" abstract="false" name="AssuranceServicesAndOtherRequiredByTheRegulator" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAndOtherMember" abstract="true" name="LoansAndAdvancesAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" abstract="false" name="ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BookValueOfFinancialLiabilitiesMember" abstract="true" name="BookValueOfFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SubjectToLifetimeECLMember" abstract="true" name="SubjectToLifetimeECLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SeniorManagementRetirement" abstract="false" name="SeniorManagementRetirement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeferredTaxTaxLosses" abstract="false" name="DeferredTaxTaxLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SensitivityToOnePercentMainCurrencies" abstract="false" name="SensitivityToOnePercentMainCurrencies" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" abstract="false" name="BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_RestrictedReserveForRetiredCapital" abstract="false" name="RestrictedReserveForRetiredCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ForeignEntitiesMember" abstract="true" name="ForeignEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyAxis" abstract="true" name="DepositsFromBanksBreakdownByGeographyAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" abstract="true" name="JointVenturesAndAssociatesBreakdownByEntitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" abstract="true" name="DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BasicAndDilutedEarningsPerShareTableTextBlock" abstract="false" name="BasicAndDilutedEarningsPerShareTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" abstract="false" name="AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NSFRMainLMUDomain" abstract="true" name="NSFRMainLMUDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" abstract="false" name="PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RealEstateActivitiesMember" abstract="true" name="RealEstateActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AssetsOfTheGroupByOperatingSegmentsDomain" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTable" abstract="true" name="DeferredTaxAssetsAndLiabilitiesAnnualVariationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" abstract="false" name="DisclosureOfRetainedEarningsAndOtherReservesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PlanAssets" abstract="false" name="PlanAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EncumberedAndUnencumberedAssetsDomain" abstract="true" name="EncumberedAndUnencumberedAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" abstract="false" name="DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" abstract="false" name="FairValueOfFinancialInstrumentsByLevelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" abstract="true" name="SensitivityAnalysisForMainAssumptionsMexicoTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalAssetsLineItems" abstract="true" name="TotalAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_Tier2RegulatoryAdjustmentsMember" abstract="true" name="Tier2RegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" abstract="true" name="HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FromChangesInFinancialAssumptionsMember" abstract="true" name="FromChangesInFinancialAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" abstract="false" name="MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CommonEquityTier1CET1EligibleCapitalResources" abstract="false" name="CommonEquityTier1CET1EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AdditionalTier1AT1Member" abstract="true" name="AdditionalTier1AT1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherFinancialInstitutionsMember" abstract="true" name="OtherFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1Table" abstract="true" name="AmountOfCapitalCC1Table" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxAssetsAndLiabilitiesAxis" abstract="true" name="DeferredTaxAssetsAndLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ConceptAxis" abstract="true" name="ConceptAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtSecuritiesAtAmortizedCost" abstract="false" name="DebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TangibleAssetsMember" abstract="true" name="TangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InterestRateMeasuredAtAmortizedCost" abstract="false" name="InterestRateMeasuredAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfReconciliation" abstract="false" name="AmountOfReconciliation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssetsAndLiabilitiesLineItems" abstract="true" name="AssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfProbabilityOfDefaultLineItems" abstract="true" name="DisclosureOfProbabilityOfDefaultLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityAndLiabilitiesLineItems" abstract="true" name="EquityAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" abstract="false" name="AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ForeignSecurity" abstract="false" name="ForeignSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReconciliationIncomeTaxMember" abstract="true" name="ReconciliationIncomeTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsInOtherFinancialInstitutionsMember" abstract="true" name="DepositsInOtherFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FurnitureFixturesAndVehiclesMember" abstract="true" name="FurnitureFixturesAndVehiclesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndReceivablesLineItems" abstract="true" name="LoansAndReceivablesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_YearsAxis" abstract="true" name="YearsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" abstract="false" name="InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" abstract="false" name="DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ConsolidatedStatementsOfCashFlowsAbstract" abstract="true" name="ConsolidatedStatementsOfCashFlowsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HedgingInstrumentsAffectedByIBORLineItems" abstract="true" name="HedgingInstrumentsAffectedByIBORLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostDomain" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_TransactionsOnBehalfOfThirdPartiesAbstract" abstract="true" name="TransactionsOnBehalfOfThirdPartiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" abstract="false" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ExecutiveDirectorsFundsAccumulated" abstract="false" name="ExecutiveDirectorsFundsAccumulated" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" abstract="false" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" abstract="true" name="RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NationalCompanySharesMember" abstract="true" name="NationalCompanySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_DisclosureOfAdministrationCostsTextBlock" abstract="false" name="DisclosureOfAdministrationCostsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" abstract="false" name="TotalRetainedEarningsRevaluationReservesAndOtherReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ReconciliationOfChangesInGoodwillTableTextBlock" abstract="false" name="ReconciliationOfChangesInGoodwillTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GranJorgeJuanSAMember" abstract="true" name="GranJorgeJuanSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueByLevelsTable" abstract="true" name="FinancialLiabilitiesAtFairValueByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_BBVAAARatingMember" abstract="true" name="BBVAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsAxis" abstract="true" name="MaturityOfFuturePaymentObligationsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTable" abstract="true" name="ProbabilityOfDefaultOfContingentRiskAndCommitmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAAPlusRatingMember" abstract="true" name="BBVAAPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherAssetsOtherItems" abstract="false" name="OtherAssetsOtherItems" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IndividualLifeInsuranceMember" abstract="true" name="IndividualLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DiversificationEffectMember" abstract="true" name="DiversificationEffectMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_InterestExpenseOnChargeableCostToPensionFunds" abstract="false" name="InterestExpenseOnChargeableCostToPensionFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" abstract="true" name="ProvisionsForUnexpiredRisksAndOtherProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DecreaseDebtForgiveness" abstract="false" name="DecreaseDebtForgiveness" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RiskCommitteeMember" abstract="true" name="RiskCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" abstract="false" name="AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" abstract="false" name="LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_PropertyFixturesAndMaterialsExpense" abstract="false" name="PropertyFixturesAndMaterialsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GuaranteesReceivedTableTextBlock" abstract="false" name="GuaranteesReceivedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_DisclosureOfTreasurySharesTextBlock" abstract="false" name="DisclosureOfTreasurySharesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_RepoFundingCurve" abstract="false" name="RepoFundingCurve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CapitalBaseAndCapitalManagementAbstract" abstract="true" name="CapitalBaseAndCapitalManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" abstract="false" name="BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" abstract="false" name="ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" abstract="true" name="AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureByCountriesDomain" abstract="true" name="MaximumCreditRiskExposureByCountriesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReportsRelatedToIssuances" abstract="false" name="ReportsRelatedToIssuances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostTableTextBlock" abstract="false" name="FinancialAssetsAtAmortisedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_ExecutiveDirectorsAxis" abstract="true" name="ExecutiveDirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DecreaseOf50BasisPointsMember" abstract="true" name="DecreaseOf50BasisPointsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsByCountryAxis" abstract="true" name="EstimatedBenefitPaymentsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" abstract="true" name="DebtSecuritiesGovernmentBondsInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_AssetsLeasedOutUnderAnOperatingLease" abstract="false" name="AssetsLeasedOutUnderAnOperatingLease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" abstract="true" name="FinancialAssetsAtFairValueBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_OtherSpanishEntitiesMember" abstract="true" name="OtherSpanishEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LCRMainLMULineItems" abstract="true" name="LCRMainLMULineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_A2022Member" abstract="true" name="A2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_VaRByRiskFactorTableTextBlock" abstract="false" name="VaRByRiskFactorTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" abstract="true" name="AnnualFixedRemunerationExecutiveDirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTableTextBlock" abstract="false" name="AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_VegaCorrelationRiskMember" abstract="true" name="VegaCorrelationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SmallCompaniesMember" abstract="true" name="SmallCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" abstract="true" name="PortfolioFairValueHedgesOfInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" abstract="false" name="OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_UnobservableInputs" abstract="false" name="UnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_ProvisionsOrReversalOfProvisions" abstract="false" name="ProvisionsOrReversalOfProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" abstract="true" name="ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="ItemsThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" abstract="true" name="ProfitOrLossAttributableToOwnersOfTheParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherNonControllingInterestItemsMember" abstract="true" name="OtherNonControllingInterestItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecuredTaxAssetsTableTextBlock" abstract="false" name="SecuredTaxAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherFinancialAssetsAndLiabilitiesMember" abstract="true" name="OtherFinancialAssetsAndLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_ProceedsFromTreasuryStockDisposal" abstract="false" name="ProceedsFromTreasuryStockDisposal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DistributionOfResults" abstract="false" name="DistributionOfResults" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpactOfTheStressTestTable" abstract="true" name="ImpactOfTheStressTestTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" abstract="true" name="GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" abstract="true" name="ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredAssetsMember" abstract="true" name="DeferredAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForOwnUseDepreciableAssetsMember" abstract="true" name="ForOwnUseDepreciableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherNonFinancialServicesMember" abstract="true" name="OtherNonFinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" abstract="true" name="CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VaRAverageInTheYearMember" abstract="true" name="VaRAverageInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgingDerivativesBreakdownByDetailDomain" abstract="true" name="HedgingDerivativesBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost" abstract="false" name="LoansAndAdvancesToCentralBanksAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ValueOfOtherGuaranteesMember" abstract="true" name="ValueOfOtherGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CustomerDepositsAtFairValue" abstract="false" name="CustomerDepositsAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" abstract="true" name="RepurchaseSecuritiesLendingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" abstract="false" name="DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OperationsByConceptLineItems" abstract="true" name="OperationsByConceptLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" abstract="false" name="DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsLiquidityRisk" abstract="false" name="FinancialAssetsLiquidityRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeferredShareRemunerationShareDomain" abstract="true" name="DeferredShareRemunerationShareDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsFromCustomersMember" abstract="true" name="DepositsFromCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_StatementOfCashFlowsLineItems" abstract="true" name="StatementOfCashFlowsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BasisPointsDomain" abstract="true" name="BasisPointsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VaREstimationDomain" abstract="true" name="VaREstimationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MathematicalReservesBreakdownByCountryDomain" abstract="true" name="MathematicalReservesBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsTable" abstract="true" name="PostEmploymentCommitmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ApplicationOfResultsLineItems" abstract="true" name="ApplicationOfResultsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TreasuryStockTableTextBlock" abstract="false" name="TreasuryStockTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NegativeScenarioTable" abstract="true" name="NegativeScenarioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_A2018Member" abstract="true" name="A2018Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DebtCertificatesDomain" abstract="true" name="DebtCertificatesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" abstract="true" name="ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxLossAllowances" abstract="false" name="DeferredTaxLossAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialInstrumentsEntrustedByThirdParties" abstract="false" name="FinancialInstrumentsEntrustedByThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" abstract="false" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ExecutiveDirectorsTableTextBlock" abstract="false" name="ExecutiveDirectorsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TotalMember" abstract="true" name="TotalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherEntitiesBBVAMember" abstract="true" name="OtherEntitiesBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TransfersAndOtherPaymentOrdersExpenses" abstract="false" name="TransfersAndOtherPaymentOrdersExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" abstract="true" name="FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" abstract="false" name="GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ClassesOfAssetsDomain" abstract="true" name="ClassesOfAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VenezuelaBBVAMember" abstract="true" name="VenezuelaBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" abstract="false" name="EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NSFRMainLMUAxis" abstract="true" name="NSFRMainLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" abstract="false" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsTableTextBlock" abstract="false" name="EstimatedBenefitPaymentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" abstract="false" name="ConditionalBillsAndOtherSecuritiesReceivedForCollection" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" abstract="false" name="NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_HPI" abstract="false" name="HPI" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_InvestmentsInFinancingActivities" abstract="false" name="InvestmentsInFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProfessionalScientificAndTechnicalActivitiesMember" abstract="true" name="ProfessionalScientificAndTechnicalActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" abstract="false" name="CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" abstract="false" name="AvailableAmountForInterimDividendPaymentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" abstract="false" name="OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FXDerivativesMember" abstract="true" name="FXDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" abstract="true" name="ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FeeAndCommissionIncomeRelatedPartiesTransactions" abstract="false" name="FeeAndCommissionIncomeRelatedPartiesTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" abstract="true" name="BreakdownOfDebtSecuritiesByCreditRatingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" abstract="true" name="MedicalBenefitsCommitmentsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CustodySecurities" abstract="false" name="CustodySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownAxis" abstract="true" name="PlanAssetsBreakdownAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfAccountantFeesAndServicesTextBlock" abstract="false" name="DisclosureOfAccountantFeesAndServicesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OtherFinancialCorporationsMember" abstract="true" name="OtherFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" abstract="true" name="QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" abstract="false" name="ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_Tier1" abstract="false" name="Tier1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalOperationsWithPaymentDeferralAndGuarantees" abstract="false" name="TotalOperationsWithPaymentDeferralAndGuarantees" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetDefinedBenefitLiabilityAssetDomain" abstract="true" name="NetDefinedBenefitLiabilityAssetDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" abstract="false" name="DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NonFinancialEntities" abstract="false" name="NonFinancialEntities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" abstract="false" name="DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProfitOrLossForTheYearAllocationOfEarnings" abstract="false" name="ProfitOrLossForTheYearAllocationOfEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_Stage1Member" abstract="true" name="Stage1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationSeniorManagementInShares" abstract="false" name="AnnualVariableRemunerationSeniorManagementInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" abstract="false" name="PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" abstract="false" name="ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalOfIntangibleAssetsMember" abstract="true" name="TotalOfIntangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Sensitivity1ForeignCurrencyLineItems" abstract="true" name="Sensitivity1ForeignCurrencyLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ComparablePricingMember" abstract="true" name="ComparablePricingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PercentageImpactOnNetEconomicValueCreditSpread" abstract="false" name="PercentageImpactOnNetEconomicValueCreditSpread" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HybridFinancialInstrumentsMember" abstract="true" name="HybridFinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationDomain" abstract="true" name="AnnualVariableRemunerationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Level2BTradableAssetsMember" abstract="true" name="Level2BTradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsChangesOfTheYearAxis" abstract="true" name="OtherIntangibleAssetsChangesOfTheYearAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfMembersDomain" abstract="true" name="TypeOfMembersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" abstract="false" name="OtherOutflowsOfCashClassifiedAsFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" abstract="false" name="NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ForeclosuresAndRecoveriesMember" abstract="true" name="ForeclosuresAndRecoveriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ByPurposeMember" abstract="true" name="ByPurposeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndCreditsToRelatedParties" abstract="false" name="LoansAndCreditsToRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" abstract="true" name="DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_UnencumberedAssets" abstract="false" name="UnencumberedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" abstract="true" name="DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_A2026Member" abstract="true" name="A2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FeeAndCommissionExpenseRelatedPartyTransactions" abstract="false" name="FeeAndCommissionExpenseRelatedPartyTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TheoreticalSharesAllocated" abstract="false" name="TheoreticalSharesAllocated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_InsuranceTypologyAxis" abstract="true" name="InsuranceTypologyAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CommoditiesRiskHedgeCashFlowMember" abstract="true" name="CommoditiesRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfScenarioAxis" abstract="true" name="TypeOfScenarioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherOperatingExpense" abstract="false" name="OtherOperatingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxOthers" abstract="false" name="DeferredTaxOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LiabilitiesFromFinancingActivitiesTableTextBlock" abstract="false" name="LiabilitiesFromFinancingActivitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_A39To194Member" abstract="true" name="A39To194Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_DebtInstrumentsHeldForTrading" abstract="false" name="DebtInstrumentsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MetrovacesaSAMember" abstract="true" name="MetrovacesaSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" abstract="true" name="CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" abstract="true" name="FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IssuedByFinancialInstitutionsMember" abstract="true" name="IssuedByFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" abstract="true" name="JointVenturesAndAssociatesChangesInTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_SeniorManagementMember" abstract="true" name="SeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_EquityAccountedEarningsMember" abstract="true" name="EquityAccountedEarningsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" abstract="false" name="SubtotalRetainedEarningsOrLossesAndRevaluationReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_Correlations" abstract="false" name="Correlations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_TotalAssetsEncumberedAndUnencumberedMember" abstract="true" name="TotalAssetsEncumberedAndUnencumberedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" abstract="false" name="ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_DebtSecuritiesAvailableForSaleAxis" abstract="true" name="DebtSecuritiesAvailableForSaleAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" abstract="true" name="OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AvailableAmountForInterimDividendPaymentsLineItems" abstract="true" name="AvailableAmountForInterimDividendPaymentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DefinedBenefitLiabilityAssetByCountryDomain" abstract="true" name="DefinedBenefitLiabilityAssetByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" abstract="false" name="ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" abstract="false" name="LossAllowancesOnFinancialAssetsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock" abstract="false" name="ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" abstract="false" name="AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" abstract="false" name="DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" abstract="false" name="AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_CompaniesHeldForSaleMember" abstract="true" name="CompaniesHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProductLineItems" abstract="true" name="IncomeByTypeOfInsuranceProductLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" abstract="false" name="DefinedBenefitObligationAtPresentValueChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_GDP100Bp" abstract="false" name="GDP100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" abstract="false" name="ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_DepositsFromCentralBanksMember" abstract="true" name="DepositsFromCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MoreThan2121Member" abstract="true" name="MoreThan2121Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgesAffectedByTheIBORReformAxis" abstract="true" name="HedgesAffectedByTheIBORReformAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" abstract="false" name="TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" abstract="false" name="FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LevelTransfersLineItems" abstract="true" name="LevelTransfersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_FinancialIncomeFromNonFinancialServices" abstract="false" name="FinancialIncomeFromNonFinancialServices" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CreditInstitutionsMember" abstract="true" name="CreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" abstract="false" name="ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ShortPositionsMember" abstract="true" name="ShortPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeTable" abstract="true" name="AccumulatedOtherComprehensiveIncomeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisTable" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AverageSellingPriceOfTreasurySharesInEurosMember" abstract="true" name="AverageSellingPriceOfTreasurySharesInEurosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" abstract="true" name="BreakdownOfDebtSecuritiesByCreditRatingDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalDepositsAtAmortisedCost" abstract="false" name="TotalDepositsAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReverseRepurchaseAgreementAxis" abstract="true" name="ReverseRepurchaseAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransactionsOnBehalfOfThirdPartiesLineItems" abstract="true" name="TransactionsOnBehalfOfThirdPartiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GarantiBBVAGroupMember" abstract="true" name="GarantiBBVAGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitments" abstract="false" name="MedicalBenefitsCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InstrumentsCoveredByFairValueHedgesDomain" abstract="true" name="InstrumentsCoveredByFairValueHedgesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" abstract="false" name="AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PensionCommitments" abstract="false" name="PensionCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" abstract="true" name="TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmountOfPaymentsDeferralsByStagesTable" abstract="true" name="AmountOfPaymentsDeferralsByStagesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RelatedPartiesOfSeniorManagementMember" abstract="true" name="RelatedPartiesOfSeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialGuaranteesGivenMember" abstract="true" name="FinancialGuaranteesGivenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" abstract="true" name="ChangesInImpairedAssetsAndGuaranteesGivenLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CustomerDepositsAtFairValueThroughProfitOrLoss" abstract="false" name="CustomerDepositsAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectiveTaxRateAxis" abstract="true" name="EffectiveTaxRateAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_StagesDomain" abstract="true" name="StagesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AverageMember" abstract="true" name="AverageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisposalOfEntitiesInTheYearMember" abstract="true" name="DisposalOfEntitiesInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" abstract="false" name="PeriodOrMaturityOfOtherIssuedEquityInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherLongTermEmployeesBenefits" abstract="false" name="OtherLongTermEmployeesBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" abstract="false" name="InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherAssociatesMember" abstract="true" name="OtherAssociatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AbridgedScale" abstract="false" name="AbridgedScale" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_FeesAndCommissionExpenseTableTextBlock" abstract="false" name="FeesAndCommissionExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" abstract="false" name="PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_ConsolidatedIncomeStatementImpactTableTextBlock" abstract="false" name="ConsolidatedIncomeStatementImpactTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichOTCCreditInstitutionsMember" abstract="true" name="OfWhichOTCCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" abstract="true" name="FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestRateMember" abstract="true" name="InterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DefinedBenefitsTable" abstract="true" name="DefinedBenefitsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" abstract="true" name="ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" abstract="false" name="SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" abstract="true" name="ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityAnalysisDomain" abstract="true" name="SensitivityAnalysisDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationTable" abstract="true" name="AnnualVariableRemunerationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByTypeDomain" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" abstract="false" name="FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ForeignDebtSecuritiesMember" abstract="true" name="ForeignDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ContributionToGuaranteedBanksDepositsFunds" abstract="false" name="ContributionToGuaranteedBanksDepositsFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" abstract="false" name="CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" abstract="true" name="EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CountryAxis" abstract="true" name="CountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestRateHedgeInstrument" abstract="false" name="InterestRateHedgeInstrument" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecurities" abstract="false" name="ImpairmentOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MinorityInterestLineItems" abstract="true" name="MinorityInterestLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GeographicalImpactOfTheStressTestAxis" abstract="true" name="GeographicalImpactOfTheStressTestAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MinorityInterestDomain" abstract="true" name="MinorityInterestDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReclassificationOfOtherGainsLossesToHeldForTrading" abstract="false" name="ReclassificationOfOtherGainsLossesToHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalLoansAndAdvancesByProductsMember" abstract="true" name="TotalLoansAndAdvancesByProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MacroeconomicVariablesLineItems" abstract="true" name="MacroeconomicVariablesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NetExchangeDifferencesWrittenOff" abstract="false" name="NetExchangeDifferencesWrittenOff" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InformationAboutUnobservableInputsAxis" abstract="true" name="InformationAboutUnobservableInputsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonConvertiblePreferredStockMember" abstract="true" name="NonConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CreditorsForOtherFinancialLiabilitiesMember" abstract="true" name="CreditorsForOtherFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueAndCarryingValueDomain" abstract="true" name="FairValueAndCarryingValueDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" abstract="false" name="GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfProbabilityOfDefaultAxis" abstract="true" name="DisclosureOfProbabilityOfDefaultAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" abstract="false" name="AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsTableTextBlock" abstract="false" name="PostEmploymentCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BetaSignificantUnobservableInputs" abstract="false" name="BetaSignificantUnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_CurrentServiceCostMember" abstract="true" name="CurrentServiceCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" abstract="false" name="AccumulatedOtherComprehensiveIncomeNonControllingInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransferredFinancialLiabilitiesAxis" abstract="true" name="TransferredFinancialLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" abstract="true" name="ChangeInObligationFromEachAdditionalYearOfLongevityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DerivativesAndSecuritiesAxis" abstract="true" name="DerivativesAndSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" abstract="true" name="ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOfTangibleAssets" abstract="false" name="ImpairmentOfTangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RateOfPensionIncreaseSensitivityAnalysisMember" abstract="true" name="RateOfPensionIncreaseSensitivityAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DividendsValuationAdjustmentsAndOthers" abstract="false" name="DividendsValuationAdjustmentsAndOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" abstract="true" name="OfWhichLossAllowancesOfDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaximumAmountDistributable" abstract="false" name="MaximumAmountDistributable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EmployerContributionsMember" abstract="true" name="EmployerContributionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalNetDefinedBenefitLiabilityAssets" abstract="false" name="TotalNetDefinedBenefitLiabilityAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TypeOfEquityInstrumentDomain" abstract="true" name="TypeOfEquityInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PlanAssetsChangesOfTheYear" abstract="false" name="PlanAssetsChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfOtherAdministrativeExpenseLineItems" abstract="true" name="DisclosureOfOtherAdministrativeExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalCashReceivedFromNonCurrentAssetsAndLiabilitiesForSale" abstract="false" name="TotalCashReceivedFromNonCurrentAssetsAndLiabilitiesForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CostMember" abstract="true" name="CostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GuaranteesReceivedLineItems" abstract="true" name="GuaranteesReceivedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingMember" abstract="true" name="DerivativesHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" abstract="true" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" abstract="false" name="AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" abstract="false" name="DisclosureOfOtherAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_Additions" abstract="false" name="Additions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostLineItems" abstract="true" name="FinancialLiabilitiesAtAmortisedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" abstract="true" name="OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedLineItems" abstract="true" name="FeesForAuditsConductedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IssuedInForeignCurrencyMember" abstract="true" name="IssuedInForeignCurrencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVABBPlusRatingMember" abstract="true" name="BBVABBPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Tier1PhasedInMember" abstract="true" name="Tier1PhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTable" abstract="true" name="ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityAnalysisLineItems" abstract="true" name="SensitivityAnalysisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PecriInversionSLMember" abstract="true" name="PecriInversionSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesLevel3Total" abstract="false" name="FinancialLiabilitiesLevel3Total" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ExpectedShortfall" abstract="false" name="ExpectedShortfall" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestExpenseRelatedPartyTransactions" abstract="false" name="InterestExpenseRelatedPartyTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationDomain" abstract="true" name="DeferredAnnualVariableRemunerationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" abstract="true" name="TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" abstract="false" name="TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" abstract="false" name="AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ListOfGroupAndSubsidiariesDomain" abstract="true" name="ListOfGroupAndSubsidiariesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" abstract="true" name="BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromDebtCertificatesTableTextBlock" abstract="false" name="DepositsFromDebtCertificatesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_MinorityInterestAxis" abstract="true" name="MinorityInterestAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TreasurySharesAtTheEndMember" abstract="true" name="TreasurySharesAtTheEndMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" abstract="false" name="CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_InterestIncomeOnOtherIncome" abstract="false" name="InterestIncomeOnOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EquityInstrumentsAxis" abstract="true" name="EquityInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IndividualLifeInsuranceContractsMember" abstract="true" name="IndividualLifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsHeldForTrading" abstract="false" name="FinancialAssetsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TaxRecognizedInTotalEquity" abstract="false" name="TaxRecognizedInTotalEquity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" abstract="true" name="DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ActuarialAssumptionsLineItems" abstract="true" name="ActuarialAssumptionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsLevel3Domain" abstract="true" name="FinancialInstrumentsLevel3Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" abstract="true" name="TypeOfRiskProductOrMarketOfDerivativesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialGuaranteesGiven" abstract="false" name="FinancialGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_Level2ATradableAssetsMember" abstract="true" name="Level2ATradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SecuritiesLocationByCountryAxis" abstract="true" name="SecuritiesLocationByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" abstract="true" name="HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TreasurySharesInMillionsOfEuros" abstract="false" name="TreasurySharesInMillionsOfEuros" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestIncomeBenefitCommitments" abstract="false" name="InterestIncomeBenefitCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestRateAxis" abstract="true" name="InterestRateAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredAVRDomain" abstract="true" name="DeferredAVRDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" abstract="true" name="DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichInterestRateCashFlowHedgesMember" abstract="true" name="OfWhichInterestRateCashFlowHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherActuarialGainsAndLossesMember" abstract="true" name="OtherActuarialGainsAndLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVABBBPlusRatingMember" abstract="true" name="BBVABBBPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTable" abstract="true" name="CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherAssetsLineItems" abstract="true" name="OtherAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BBVAGroupAbstract" abstract="true" name="BBVAGroupAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichOtherCollateralizedLoansMember" abstract="true" name="OfWhichOtherCollateralizedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TransfersToStage3" abstract="false" name="TransfersToStage3" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" abstract="false" name="FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" abstract="false" name="AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EstimatedBenefitPayments" abstract="false" name="EstimatedBenefitPayments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" abstract="true" name="PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MostFavorableHypothesisMember" abstract="true" name="MostFavorableHypothesisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PromissoryBillsAndNotesMember" abstract="true" name="PromissoryBillsAndNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EarlyRetirementExpense" abstract="false" name="EarlyRetirementExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupLineItems" abstract="true" name="AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NationalSecurity" abstract="false" name="NationalSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MemorandumAccountsMember" abstract="true" name="MemorandumAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" abstract="true" name="ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfStageDomain" abstract="true" name="TypeOfStageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" abstract="true" name="ProfitLossBeforeTaxFromContinuingOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MathematicalReservesTableTextBlock" abstract="false" name="MathematicalReservesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TotalIndicesEffect" abstract="false" name="TotalIndicesEffect" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransfersAndChangesOfConsolidationMethod" abstract="false" name="TransfersAndChangesOfConsolidationMethod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ExchangeDifferences" abstract="false" name="ExchangeDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" abstract="false" name="MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BBVABPlusRatingMember" abstract="true" name="BBVABPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGoldMember" abstract="true" name="ForeignExchangeAndGoldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationSeniorManagementDomain" abstract="true" name="AnnualVariableRemunerationSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Stage2Member" abstract="true" name="Stage2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichHyperinflationEffectFromOperatingActivities" abstract="false" name="OfWhichHyperinflationEffectFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" abstract="true" name="ReverseRepoSecuritiesBorrowingAndMarginLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DeferredShareRemunerationSystemLineItems" abstract="true" name="DeferredShareRemunerationSystemLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EligibleCapitalResourcesTableTextBlock" abstract="false" name="EligibleCapitalResourcesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" abstract="false" name="OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownTableTextBlock" abstract="false" name="PlanAssetsBreakdownTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TransferredFinancialLiabilitiesDomain" abstract="true" name="TransferredFinancialLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsFromCreditInstitutionsMember" abstract="true" name="DepositsFromCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisposalsAndCapitalReductions" abstract="false" name="DisposalsAndCapitalReductions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepositsInCreditEntitiesMember" abstract="true" name="DepositsInCreditEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HumanHealthServicesAndSocialWorkActivitiesMember" abstract="true" name="HumanHealthServicesAndSocialWorkActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" abstract="false" name="DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepreciationAndAmortisationExpenseTableTextBlock" abstract="false" name="DepreciationAndAmortisationExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_OfWhichGuaranteesNonPerformingRisksMember" abstract="true" name="OfWhichGuaranteesNonPerformingRisksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BecomingWriteOffs" abstract="false" name="BecomingWriteOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" abstract="false" name="FinancialAssetsAtAmortizedCostInterestAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EffectiveTaxRateTable" abstract="true" name="EffectiveTaxRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterimDividendsApplicationOfResults" abstract="false" name="InterimDividendsApplicationOfResults" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestExpensesBenefitCommitments" abstract="false" name="InterestExpensesBenefitCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AccountingPolicyForLeasesPolicyTextBlock" abstract="false" name="AccountingPolicyForLeasesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityImpactTable" abstract="true" name="EquityImpactTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" abstract="true" name="LaterThanSixMonthsAndNotLaterThanNineMonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" abstract="false" name="ExpectedLossVariationAsOfDecemberTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" abstract="true" name="PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PriceVolatility" abstract="false" name="PriceVolatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bbva_ProvisionsBreakdownByConceptsLineItems" abstract="true" name="ProvisionsBreakdownByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuredPensionsTaxAssets" abstract="false" name="SecuredPensionsTaxAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" abstract="false" name="AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_CommoditiesRiskMember" abstract="true" name="CommoditiesRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NegativeGoodwillRecognisedInProfitAndLoss" abstract="false" name="NegativeGoodwillRecognisedInProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfOtherOperatingIncomeLineItems" abstract="true" name="DisclosureOfOtherOperatingIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" abstract="false" name="AdjustedNumberOfSharesBasicEarningsPerShareC" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReverseRepurchaseAgreementDomain" abstract="true" name="ReverseRepurchaseAgreementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="ItemsThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ContributionsFromMergerTransactions" abstract="false" name="ContributionsFromMergerTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_VaREstimationAxis" abstract="true" name="VaREstimationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RepurchaseAgreementMember" abstract="true" name="RepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" abstract="true" name="ImpairedFinancialAssetsAtAmortisedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" abstract="false" name="OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CreditExposureClassesOfFinancialInstrumentsAxis" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DefaultedMember" abstract="true" name="DefaultedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingBalancesAxis" abstract="true" name="AccountingBalancesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MedicalBenefitPlanAssets" abstract="false" name="MedicalBenefitPlanAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialInstrumentsValuationMethods" abstract="false" name="FinancialInstrumentsValuationMethods" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsLossesOnFinancialAssetsAndLiabilities" abstract="false" name="GainsLossesOnFinancialAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" abstract="false" name="HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetGainsLossOnSalesOfRealState" abstract="false" name="NetGainsLossOnSalesOfRealState" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BillsReceivables" abstract="false" name="BillsReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ArtsEntertainmentAndRecreationMember" abstract="true" name="ArtsEntertainmentAndRecreationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueTable" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" abstract="true" name="DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxesOtherThanIncomeTax" abstract="false" name="TaxesOtherThanIncomeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasurySharesChangesOfTheYearDomain" abstract="true" name="TreasurySharesChangesOfTheYearDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinishedMember" abstract="true" name="FinishedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureDomain" abstract="true" name="MaximumCreditRiskExposureDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CreditSpreadOptionMember" abstract="true" name="CreditSpreadOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" abstract="true" name="HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccruedDepreciationChangesInTheYear" abstract="false" name="AccruedDepreciationChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AnnualFixedRemunerationLineItems" abstract="true" name="AnnualFixedRemunerationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_A194To1061Member" abstract="true" name="A194To1061Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NumberOfClientsMember" abstract="true" name="NumberOfClientsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherDebtInstrumentsMember" abstract="true" name="OtherDebtInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_SubordinatedCertificates" abstract="false" name="SubordinatedCertificates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EquityInstrumentsIssuedOtherThanCapitalMember" abstract="true" name="EquityInstrumentsIssuedOtherThanCapitalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DemandAccount" abstract="false" name="DemandAccount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" abstract="true" name="FinancialLiabilitiesAtFairValueByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" abstract="true" name="SubordinatedLiabilitiesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyLineItems" abstract="true" name="DepositsFromBanksBreakdownByGeographyLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" abstract="false" name="CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_TransportAndStorageMember" abstract="true" name="TransportAndStorageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A2021Member" abstract="true" name="A2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EffectsOnNetCashInflowsFromDiscontinuedOperationsUSALineItems" abstract="true" name="EffectsOnNetCashInflowsFromDiscontinuedOperationsUSALineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" abstract="false" name="NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationSeniorManagementInCash" abstract="false" name="AnnualVariableRemunerationSeniorManagementInCash" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TaxRecognizedInTotalEquityLineItems" abstract="true" name="TaxRecognizedInTotalEquityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" abstract="false" name="AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" abstract="true" name="DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NetLiabilityAsset" abstract="false" name="NetLiabilityAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_A0875FixedRateSeniorNotesDue2023Member" abstract="true" name="A0875FixedRateSeniorNotesDue2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" abstract="true" name="IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PublicAdministrationMember" abstract="true" name="PublicAdministrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_MortalityTables" abstract="false" name="MortalityTables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" abstract="false" name="TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GeographyAxisMarketRiskAxis" abstract="true" name="GeographyAxisMarketRiskAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" abstract="true" name="BrokenDownEncumberedAndUnencumberedAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DiscontinuedOperations" abstract="false" name="DiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasurySharesAbstract" abstract="true" name="TreasurySharesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NetTransfersToLevel3" abstract="false" name="NetTransfersToLevel3" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NSFRMainLMUTable" abstract="true" name="NSFRMainLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TransferredFinancialAssetsAxis" abstract="true" name="TransferredFinancialAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingAxis" abstract="true" name="DerivativesHedgeAccountingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" abstract="true" name="TotalLoanCommitmentsAndFinancialGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" abstract="false" name="HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" abstract="false" name="OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherEffectsPostEmploymentCommitmentsMember" abstract="true" name="OtherEffectsPostEmploymentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfProbabilityOfDefaultDomain" abstract="true" name="DisclosureOfProbabilityOfDefaultDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_VaRByRiskFactorTable" abstract="true" name="VaRByRiskFactorTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PositiveScenarioTable" abstract="true" name="PositiveScenarioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureToCustomersDomain" abstract="true" name="MaximumCreditRiskExposureToCustomersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InsuranceProductCommissions" abstract="false" name="InsuranceProductCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfOtherOperatingExpenseLineItems" abstract="true" name="DisclosureOfOtherOperatingExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BusinessCreditToRelatedParties" abstract="false" name="BusinessCreditToRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" abstract="false" name="DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_NSFRMainLMULineItems" abstract="true" name="NSFRMainLMULineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalTransactionsOnBehalfOfThirdParties" abstract="false" name="TotalTransactionsOnBehalfOfThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReturnOfPlanAssetsMember" abstract="true" name="ReturnOfPlanAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" abstract="true" name="DisclosureOfRetainedEarningsAndOtherReservesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" abstract="true" name="FinancialGuaranteesAndOtherCommitmentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AssetsOfTheGroupByOperatingSegmentsTable" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PercentageImpactOnNetEconomicValue" abstract="false" name="PercentageImpactOnNetEconomicValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalSecuritizedLoans" abstract="false" name="TotalSecuritizedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" abstract="false" name="ProfitOfBBVAAfterTheProvisionForIncomeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RemunerationForNonExecutiveDirectorsDomain" abstract="true" name="RemunerationForNonExecutiveDirectorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" abstract="false" name="AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OfWhichMortgages" abstract="false" name="OfWhichMortgages" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LourdesMaizCarroMember" abstract="true" name="LourdesMaizCarroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProducts" abstract="false" name="IncomeByTypeOfInsuranceProducts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_JaimeFlixCaruanaLacorteMember" abstract="true" name="JaimeFlixCaruanaLacorteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVABBRatingMember" abstract="true" name="BBVABBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesMember" abstract="true" name="LoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonControllingInterestAbstract" abstract="true" name="NonControllingInterestAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromCreditInstitutions" abstract="false" name="DepositsFromCreditInstitutions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" abstract="false" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" abstract="true" name="SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" abstract="true" name="TotalCommonEquityTier1RegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_IncomeByOperatingSegmentTable" abstract="true" name="IncomeByOperatingSegmentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ActuarialAssumptionsDomain" abstract="true" name="ActuarialAssumptionsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProfitAdjusted" abstract="false" name="ProfitAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationBBVADirectorsInShares" abstract="false" name="AnnualVariableRemunerationBBVADirectorsInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_OfWhichHeldByOtherSubsidiariesMember" abstract="true" name="OfWhichHeldByOtherSubsidiariesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" abstract="false" name="DividendIncomeBreakdownByHeadlineTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AllocationOfEarningsTableTextBlock" abstract="false" name="AllocationOfEarningsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_GDP" abstract="false" name="GDP" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_LiabilitiesFromFinancingActivitiesTable" abstract="true" name="LiabilitiesFromFinancingActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpairedFinancialAssetsAndGuaranteesGiven" abstract="false" name="ImpairedFinancialAssetsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" abstract="false" name="EquityInstrumentsMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepositsInFinancialInstitutionsMember" abstract="true" name="DepositsInFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" abstract="true" name="PostEmploymentCommitmentsBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" abstract="false" name="ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasurySharesTableTextBlock" abstract="false" name="TreasurySharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_BBVABBBMinusRatingMember" abstract="true" name="BBVABBBMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherCommitmentsAndGuaranteesGiven" abstract="false" name="OtherCommitmentsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairedSecuredLoansRisksLineItems" abstract="true" name="ImpairedSecuredLoansRisksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CofidesMember" abstract="true" name="CofidesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" abstract="true" name="RateOfSalaryIncreaseSensitivityAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" abstract="false" name="AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_MinorityInterestsMember" abstract="true" name="MinorityInterestsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" abstract="true" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CounterpartiesImpairedSecuredLoansDomain" abstract="true" name="CounterpartiesImpairedSecuredLoansDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" abstract="false" name="OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" abstract="true" name="ProfitLossBeforeTaxFromDiscontinuedOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsAtAmortisedCostTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAtAmortisedCostTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_IncomeTaxAndOther" abstract="false" name="IncomeTaxAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" abstract="false" name="TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_JanVerplanckeMember" abstract="true" name="JanVerplanckeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalCapitalTier1Tier2" abstract="false" name="TotalCapitalTier1Tier2" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InsuranceContractsPlanAssetsBreakdownMember" abstract="true" name="InsuranceContractsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RCIColombiaMember" abstract="true" name="RCIColombiaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsDomain" abstract="true" name="EquityInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedTableTextBlock" abstract="false" name="FeesForAuditsConductedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" abstract="false" name="DebtSecuritiesAtAmortizedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_PastServiceCostMember" abstract="true" name="PastServiceCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" abstract="false" name="OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_VaRByRiskFactorLineItems" abstract="true" name="VaRByRiskFactorLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherLoansAndAdvancesMember" abstract="true" name="OtherLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TotalNetAssetsLiabilities" abstract="false" name="TotalNetAssetsLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TangibleAssetsBreakdownByTypeOfAssetTable" abstract="true" name="TangibleAssetsBreakdownByTypeOfAssetTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_UnrealizedGainsOfDebtSecurities" abstract="false" name="UnrealizedGainsOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstruments" abstract="false" name="NotionalMaturitiesOfTheHedgingInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" abstract="false" name="FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherAssetsAndLiabilitiesLineItems" abstract="true" name="OtherAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" abstract="false" name="PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_HedgingInstrumentsAffectedByIBORAxis" abstract="true" name="HedgingInstrumentsAffectedByIBORAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IssuingInstitutionsAxis" abstract="true" name="IssuingInstitutionsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditCardDebtMember" abstract="true" name="CreditCardDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PostEmploymentMedicalBenefitsEquityImpactMember" abstract="true" name="PostEmploymentMedicalBenefitsEquityImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RestOtherAssets" abstract="false" name="RestOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DepositsFromCreditInstitutionsHeldForTrading" abstract="false" name="DepositsFromCreditInstitutionsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ProfitOrLossAttributableToOwnersOfTheParent" abstract="false" name="ProfitOrLossAttributableToOwnersOfTheParent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FixedIncomeMember" abstract="true" name="FixedIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PastServiceCostExpenseOnIncomeStatement" abstract="false" name="PastServiceCostExpenseOnIncomeStatement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" abstract="false" name="IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" abstract="true" name="InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_RestrictedReservesBreakdownByConceptsLineItems" abstract="true" name="RestrictedReservesBreakdownByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesTable" abstract="true" name="OtherFinancialLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherCommitmentsGivenMember" abstract="true" name="OtherCommitmentsGivenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TaxRecognizedInTotalEquityTable" abstract="true" name="TaxRecognizedInTotalEquityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TransfersOutOfLevel2IntoLevel3" abstract="false" name="TransfersOutOfLevel2IntoLevel3" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" abstract="false" name="ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MainVariancesInLiabilitiesInFinancingActivitiesDomain" abstract="true" name="MainVariancesInLiabilitiesInFinancingActivitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CorrelationRateCredit" abstract="false" name="CorrelationRateCredit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_CustomerDepositsByCountryDomain" abstract="true" name="CustomerDepositsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CreditorsForOtherPaymentObligationsMember" abstract="true" name="CreditorsForOtherPaymentObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ShareOfProfitAndLoss" abstract="false" name="ShareOfProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" abstract="true" name="TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OfWhichCreditForConsumptionMember" abstract="true" name="OfWhichCreditForConsumptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_WholesaleFundingMember" abstract="true" name="WholesaleFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostAxis" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DirectorsDomain" abstract="true" name="DirectorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" abstract="true" name="CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" abstract="false" name="TotalSubordinatedLiabilitiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" abstract="false" name="CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" abstract="true" name="ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CashFlowsLiabilitiesFromFinancingActivities" abstract="false" name="CashFlowsLiabilitiesFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RecoveryRate" abstract="false" name="RecoveryRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bbva_BBVASegurosSAMember" abstract="true" name="BBVASegurosSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" abstract="false" name="ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ConstructionMember" abstract="true" name="ConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVACCRatingMember" abstract="true" name="BBVACCRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" abstract="true" name="ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingTable" abstract="true" name="DerivativesHedgeAccountingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RetailMember" abstract="true" name="RetailMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_ProfitAndLossRelatedPartyTransactionsLineItems" abstract="true" name="ProfitAndLossRelatedPartyTransactionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfScaleDomain" abstract="true" name="DisclosureOfScaleDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_BBVASAMember" abstract="true" name="BBVASAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AccruedAmortizationMember" abstract="true" name="AccruedAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_HedgedItemsInFairValueHedgesLineItems" abstract="true" name="HedgedItemsInFairValueHedgesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsTable" abstract="true" name="MedicalBenefitsCommitmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" abstract="true" name="FinancialInstrumentsLevel3ChangesInTheYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HedgingDerivativeFairValueIneffectivenessMember" abstract="true" name="HedgingDerivativeFairValueIneffectivenessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToBanksHeldForTrading" abstract="false" name="LoansAndAdvancesToBanksHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>11
<FILENAME>bbva-20221231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
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    <link:label id="lab_bbva_DeferredShareRemunerationSystemLineItems_label_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share Remuneration system [Line Items]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemLineItems_documentation_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share Remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationSystemLineItems" xlink:href="bbva-20221231.xsd#bbva_DeferredShareRemunerationSystemLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredShareRemunerationSystemLineItems" xlink:to="lab_bbva_DeferredShareRemunerationSystemLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciableAssetsAxis_5ca59c1a-d543-4410-95fe-479ea8af391a_terseLabel_en-US" xlink:label="lab_bbva_DepreciableAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciable assets [Axis]</link:label>
    <link:label id="lab_bbva_DepreciableAssetsAxis_label_en-US" xlink:label="lab_bbva_DepreciableAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciable assets [Axis]</link:label>
    <link:label id="lab_bbva_DepreciableAssetsAxis_documentation_en-US" xlink:label="lab_bbva_DepreciableAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciableAssetsAxis" xlink:href="bbva-20221231.xsd#bbva_DepreciableAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciableAssetsAxis" xlink:to="lab_bbva_DepreciableAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageEffectiveTaxRate_d05f03f9-fb76-4ad9-8524-9e0946b95863_terseLabel_en-US" xlink:label="lab_bbva_PercentageEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage effective tax rate</link:label>
    <link:label id="lab_bbva_PercentageEffectiveTaxRate_label_en-US" xlink:label="lab_bbva_PercentageEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage effective tax rate</link:label>
    <link:label id="lab_bbva_PercentageEffectiveTaxRate_documentation_en-US" xlink:label="lab_bbva_PercentageEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageEffectiveTaxRate" xlink:href="bbva-20221231.xsd#bbva_PercentageEffectiveTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageEffectiveTaxRate" xlink:to="lab_bbva_PercentageEffectiveTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SyntheticLIBORGBPAndJPY_ed2bdc44-a47c-4db8-be2d-faf791e1205b_terseLabel_en-US" xlink:label="lab_bbva_SyntheticLIBORGBPAndJPY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Synthetic LIBOR GBP and JPY</link:label>
    <link:label id="lab_bbva_SyntheticLIBORGBPAndJPY_label_en-US" xlink:label="lab_bbva_SyntheticLIBORGBPAndJPY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Synthetic LIBOR GBP and JPY</link:label>
    <link:label id="lab_bbva_SyntheticLIBORGBPAndJPY_documentation_en-US" xlink:label="lab_bbva_SyntheticLIBORGBPAndJPY" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Synthetic LIBOR GBP and JPY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SyntheticLIBORGBPAndJPY" xlink:href="bbva-20221231.xsd#bbva_SyntheticLIBORGBPAndJPY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SyntheticLIBORGBPAndJPY" xlink:to="lab_bbva_SyntheticLIBORGBPAndJPY" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale_1a85515e-6cc5-4715-88cc-7c3e54d31ade_terseLabel_en-US" xlink:label="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other collections from non current assets and liabilities for sale</link:label>
    <link:label id="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale_label_en-US" xlink:label="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other collections from non current assets and liabilities for sale</link:label>
    <link:label id="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale_documentation_en-US" xlink:label="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other collections from non current assets and liabilities for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" xlink:href="bbva-20221231.xsd#bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" xlink:to="lab_bbva_OtherCollectionsFromNonCurrentAssetsAndLiabilitiesForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAMexicoMember_ca2e58a4-bfa5-46ac-813c-d875379826e3_terseLabel_en-US" xlink:label="lab_bbva_BBVAMexicoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Mexico [Member]</link:label>
    <link:label id="lab_bbva_BBVAMexicoMember_label_en-US" xlink:label="lab_bbva_BBVAMexicoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Mexico [Member]</link:label>
    <link:label id="lab_bbva_BBVAMexicoMember_documentation_en-US" xlink:label="lab_bbva_BBVAMexicoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAMexicoMember" xlink:href="bbva-20221231.xsd#bbva_BBVAMexicoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAMexicoMember" xlink:to="lab_bbva_BBVAMexicoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_999eccd3-18c8-46f6-88f1-1f72a5a60bf2_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Financial Assets At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:to="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost_bec1da49-5544-41e6-a3f9-7200ebc4e747_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income on financial assets measures at amortized cost</link:label>
    <link:label id="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost_label_en-US" xlink:label="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income on financial assets measures at amortized cost</link:label>
    <link:label id="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income on financial assets measures at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" xlink:to="lab_bbva_InterestIncomeOnFinancialAssetsMeasuresAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HousingPriceOver100Bp_3db20b98-fb38-47ce-bd26-cbe900971132_terseLabel_en-US" xlink:label="lab_bbva_HousingPriceOver100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Housing price over100 bp</link:label>
    <link:label id="lab_bbva_HousingPriceOver100Bp_label_en-US" xlink:label="lab_bbva_HousingPriceOver100Bp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Housing price over100 bp</link:label>
    <link:label id="lab_bbva_HousingPriceOver100Bp_documentation_en-US" xlink:label="lab_bbva_HousingPriceOver100Bp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Housing price over100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HousingPriceOver100Bp" xlink:href="bbva-20221231.xsd#bbva_HousingPriceOver100Bp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HousingPriceOver100Bp" xlink:to="lab_bbva_HousingPriceOver100Bp" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems_9b8c9f7e-2971-4a3d-8edd-e122840ed5f5_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA owned by third parties but managed by the group [Line Items]</link:label>
    <link:label id="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems_label_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA owned by third parties but managed by the group [Line Items]</link:label>
    <link:label id="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems_documentation_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA owned by third parties but managed by the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:href="bbva-20221231.xsd#bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:to="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain_68050046-e1c0-4207-a89e-d814dc7c52a8_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liability asset by country [Domain]</link:label>
    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain_label_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liability asset by country [Domain]</link:label>
    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liability asset by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_DefinedBenefitLiabilityAssetByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:to="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyAxis_ecb2b60a-dc35-41b2-a333-0b34c844580c_terseLabel_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Levels of fair value hierarchy [axis]</link:label>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyAxis_label_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Levels of fair value hierarchy [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LevelsOfFairValueHierarchyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:to="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources_31b69794-e8eb-419d-b16e-375e505790e1_terseLabel_en-US" xlink:label="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Differences from solvency and accounting perimeter eligible capital resources</link:label>
    <link:label id="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Differences from solvency and accounting perimeter eligible capital resources</link:label>
    <link:label id="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Differences from solvency and accounting perimeter eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:to="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities_5307e7f4-6df8-41d2-a1a7-76dcc9b69bfc_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other cash receipts from sales of interests in joint ventures</link:label>
    <link:label id="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other cash receipts from sales of interests in joint ventures, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain_9ec5d6ed-9bf1-4aab-930a-e899027ae1ce_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management [Domain]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain_label_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management [Domain]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain_documentation_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:href="bbva-20221231.xsd#bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:to="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesAndOtherAssetsMember_16b0df53-bd63-4ac0-9ba9-beaafb9e9d46_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances and other assets [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAndOtherAssetsMember_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances and other assets [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAndOtherAssetsMember_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances and other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesAndOtherAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:to="lab_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesIssuedMember_6c56d584-3a4c-4551-8ae3-76187e3007c4_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesIssuedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">debt securities issued [Member]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesIssuedMember_label_en-US" xlink:label="lab_bbva_DebtSecuritiesIssuedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities issued [Member]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesIssuedMember_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesIssuedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesIssuedMember" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesIssuedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesIssuedMember" xlink:to="lab_bbva_DebtSecuritiesIssuedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherIntangibleAssets_46ec3007-d6fc-4e35-af81-3ae83c8dca23_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:label id="lab_ifrs-full_OtherIntangibleAssets_6a82e581-9eae-496e-9bd4-796855a0d29a_periodStartLabel_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:label id="lab_ifrs-full_OtherIntangibleAssets_04a684db-703d-4dfb-a4e3-a15be8ccb15c_periodEndLabel_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:label id="lab_ifrs-full_OtherIntangibleAssets_label_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherIntangibleAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherIntangibleAssets" xlink:to="lab_ifrs-full_OtherIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_6bedef8e-1723-4af0-a336-4dda71062db0_terseLabel_en-US" xlink:label="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease impaired financial assets written off from the balance sheet</link:label>
    <link:label id="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_label_en-US" xlink:label="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease impaired financial assets written off from the balance sheet</link:label>
    <link:label id="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_documentation_en-US" xlink:label="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease impaired financial assets written off from the balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:href="bbva-20221231.xsd#bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:to="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashAndBankBalancesAtCentralBanks_2f6822b0-6346-4aca-815a-566640aa7db8_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and bank balances at central banks</link:label>
    <link:label id="lab_ifrs-full_CashAndBankBalancesAtCentralBanks_label_en-US" xlink:label="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and bank balances at central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:to="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CounterpartiesImpairedSecuredLoansDomain_e6eb839d-5da2-45a6-9499-19e09597b864_terseLabel_en-US" xlink:label="lab_bbva_CounterpartiesImpairedSecuredLoansDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Counterparties impaired secured loans [Domain]</link:label>
    <link:label id="lab_bbva_CounterpartiesImpairedSecuredLoansDomain_label_en-US" xlink:label="lab_bbva_CounterpartiesImpairedSecuredLoansDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Counterparties impaired secured loans [Domain]</link:label>
    <link:label id="lab_bbva_CounterpartiesImpairedSecuredLoansDomain_documentation_en-US" xlink:label="lab_bbva_CounterpartiesImpairedSecuredLoansDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Counterparties impaired secured loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CounterpartiesImpairedSecuredLoansDomain" xlink:href="bbva-20221231.xsd#bbva_CounterpartiesImpairedSecuredLoansDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CounterpartiesImpairedSecuredLoansDomain" xlink:to="lab_bbva_CounterpartiesImpairedSecuredLoansDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashMember_0e3deb80-fd9c-413f-9607-a3e74b5f8600_terseLabel_en-US" xlink:label="lab_bbva_CashMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash [Member]</link:label>
    <link:label id="lab_bbva_CashMember_label_en-US" xlink:label="lab_bbva_CashMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash [Member]</link:label>
    <link:label id="lab_bbva_CashMember_documentation_en-US" xlink:label="lab_bbva_CashMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashMember" xlink:href="bbva-20221231.xsd#bbva_CashMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashMember" xlink:to="lab_bbva_CashMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureDomain_29c79e00-0493-447b-bae2-dd8cc12c7daf_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Domain]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureDomain_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Domain]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureDomain_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureDomain" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureDomain" xlink:to="lab_bbva_MaximumCreditRiskExposureDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss_66d50924-428e-43b0-9445-b25df08571d5_terseLabel_en-US" xlink:label="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative goodwill recognised in profit and loss</link:label>
    <link:label id="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss_label_en-US" xlink:label="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative goodwill recognised in profit and loss</link:label>
    <link:label id="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss_documentation_en-US" xlink:label="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative goodwill recognised in profit and loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:href="bbva-20221231.xsd#bbva_NegativeGoodwillRecognisedInProfitAndLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:to="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract_9d64b822-345e-4ab1-8d04-24d89828e8b3_terseLabel_en-US" xlink:label="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income And Expenses From Insurance And Reinsurance Contracts [Abstract]</link:label>
    <link:label id="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract_label_en-US" xlink:label="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income And Expenses From Insurance And Reinsurance Contracts [Abstract]</link:label>
    <link:label id="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract_documentation_en-US" xlink:label="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income And Expenses From Insurance And Reinsurance Contracts [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:href="bbva-20221231.xsd#bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:to="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock_ea7cf812-da71-4a87-bb9a-2863794a00f0_terseLabel_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation And Amortisation Expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock_label_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation And Amortisation Expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation And Amortisation Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DepreciationAndAmortisationExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:to="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LeverageRatioTableTextBlock_5c30a45b-760e-4386-b156-ba3ab1b33b58_terseLabel_en-US" xlink:label="lab_bbva_LeverageRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage Ratio [Table Text Block]</link:label>
    <link:label id="lab_bbva_LeverageRatioTableTextBlock_label_en-US" xlink:label="lab_bbva_LeverageRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage Ratio [Table Text Block]</link:label>
    <link:label id="lab_bbva_LeverageRatioTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LeverageRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LeverageRatioTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_LeverageRatioTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LeverageRatioTableTextBlock" xlink:to="lab_bbva_LeverageRatioTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A0875FixedRateSeniorNotesDue2023Member_524ddd98-48d0-4373-9a57-d46a38d5b585_terseLabel_en-US" xlink:label="lab_bbva_A0875FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A0875 Fixed Rate Senior Notes Due2023 [Member]</link:label>
    <link:label id="lab_bbva_A0875FixedRateSeniorNotesDue2023Member_label_en-US" xlink:label="lab_bbva_A0875FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A0875 Fixed Rate Senior Notes Due2023 [Member]</link:label>
    <link:label id="lab_bbva_A0875FixedRateSeniorNotesDue2023Member_documentation_en-US" xlink:label="lab_bbva_A0875FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A0875 Fixed Rate Senior Notes Due2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A0875FixedRateSeniorNotesDue2023Member" xlink:href="bbva-20221231.xsd#bbva_A0875FixedRateSeniorNotesDue2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A0875FixedRateSeniorNotesDue2023Member" xlink:to="lab_bbva_A0875FixedRateSeniorNotesDue2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember_9005f136-ccd1-4000-b346-576ed603b673_terseLabel_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions transfer to discontinued operations tangible assets [Member]</link:label>
    <link:label id="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember_label_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions transfer to discontinued operations tangible assets [Member]</link:label>
    <link:label id="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions transfer to discontinued operations tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:href="bbva-20221231.xsd#bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:to="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementFundsAccumulated_13a05ec0-98a5-4ef9-aa00-aec0a41c6c92_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementFundsAccumulated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management funds accumulated</link:label>
    <link:label id="lab_bbva_SeniorManagementFundsAccumulated_label_en-US" xlink:label="lab_bbva_SeniorManagementFundsAccumulated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management funds accumulated</link:label>
    <link:label id="lab_bbva_SeniorManagementFundsAccumulated_documentation_en-US" xlink:label="lab_bbva_SeniorManagementFundsAccumulated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management funds accumulated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementFundsAccumulated" xlink:href="bbva-20221231.xsd#bbva_SeniorManagementFundsAccumulated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorManagementFundsAccumulated" xlink:to="lab_bbva_SeniorManagementFundsAccumulated" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain_23fe8bbf-c8b6-4fb3-b2cd-e8f6ffa63618_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsLevel3SensitivityAnalysisDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:to="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier1_3f9bcf0a-ccf1-470d-a65e-7badf51707a4_terseLabel_en-US" xlink:label="lab_bbva_Tier1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1</link:label>
    <link:label id="lab_bbva_Tier1_label_en-US" xlink:label="lab_bbva_Tier1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1</link:label>
    <link:label id="lab_bbva_Tier1_documentation_en-US" xlink:label="lab_bbva_Tier1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier1" xlink:href="bbva-20221231.xsd#bbva_Tier1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier1" xlink:to="lab_bbva_Tier1" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccounting_f833b343-acf2-4dbf-bfd0-61a231a9de0b_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccounting" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives- hedge accounting</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccounting_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccounting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives- hedge accounting</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccounting_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccounting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives- hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccounting" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccounting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccounting" xlink:to="lab_bbva_DerivativesHedgeAccounting" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksByCountryDomain_c7826f50-6ec9-4b68-9004-9123f1ac6f81_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks by country [Domain]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksByCountryDomain_label_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks by country [Domain]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksByCountryDomain_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksByCountryDomain" xlink:to="lab_bbva_DepositsFromBanksByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_9f141f74-4b8c-4195-af7c-24f35adc0129_terseLabel_en-US" xlink:label="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Human health services and social work activities [Member]</link:label>
    <link:label id="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_label_en-US" xlink:label="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Human health services and social work activities [Member]</link:label>
    <link:label id="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_documentation_en-US" xlink:label="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Human health services and social work activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HumanHealthServicesAndSocialWorkActivitiesMember" xlink:href="bbva-20221231.xsd#bbva_HumanHealthServicesAndSocialWorkActivitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HumanHealthServicesAndSocialWorkActivitiesMember" xlink:to="lab_bbva_HumanHealthServicesAndSocialWorkActivitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory_a12de7c5-b268-4449-99e2-f40f2120fdac_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of fee and commission income (expense) [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of fee and commission income (expense) [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:to="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain_be228bee-52d3-4e96-8226-0164346a4e04_terseLabel_en-US" xlink:label="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on net cash inflows from discontinued operations sold usa subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain_label_en-US" xlink:label="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on net cash inflows from discontinued operations sold usa subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain_documentation_en-US" xlink:label="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on net cash inflows from discontinued operations sold usa subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" xlink:href="bbva-20221231.xsd#bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" xlink:to="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultAxis_983e34b9-b052-452c-825b-1320c55a1bd4_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default [Axis]</link:label>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultAxis_label_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default [Axis]</link:label>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultAxis_documentation_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProbabilityOfDefaultAxis" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfProbabilityOfDefaultAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfProbabilityOfDefaultAxis" xlink:to="lab_bbva_DisclosureOfProbabilityOfDefaultAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_383074c0-1ffc-49ed-b019-72644fd8884d_terseLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_label_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DeferredTaxAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DeferredTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DeferredTaxAssets" xlink:to="lab_ifrs-full_DeferredTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConversionsToDefinedContributionsMember_8a4d42aa-cb69-475a-8d9b-7804e41771fe_terseLabel_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Conversions to defined contributions [Member]</link:label>
    <link:label id="lab_bbva_ConversionsToDefinedContributionsMember_label_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Conversions to defined contributions [Member]</link:label>
    <link:label id="lab_bbva_ConversionsToDefinedContributionsMember_documentation_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Conversions to defined contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConversionsToDefinedContributionsMember" xlink:href="bbva-20221231.xsd#bbva_ConversionsToDefinedContributionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConversionsToDefinedContributionsMember" xlink:to="lab_bbva_ConversionsToDefinedContributionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsThatAreLiabilities_fb63b5a1-3540-4425-8907-87154d26fe3e_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts that are liabilities</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsThatAreLiabilities_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts that are liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsThatAreLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InsuranceContractsThatAreLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsThatAreLiabilities" xlink:to="lab_ifrs-full_InsuranceContractsThatAreLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_UnobservableInputsTableTextBlock_c0a43145-84ab-48dc-a042-ca5c96bd38c1_terseLabel_en-US" xlink:label="lab_bbva_UnobservableInputsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs [Table Text Block]</link:label>
    <link:label id="lab_bbva_UnobservableInputsTableTextBlock_label_en-US" xlink:label="lab_bbva_UnobservableInputsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs [Table Text Block]</link:label>
    <link:label id="lab_bbva_UnobservableInputsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_UnobservableInputsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnobservableInputsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_UnobservableInputsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnobservableInputsTableTextBlock" xlink:to="lab_bbva_UnobservableInputsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredFinancialInstrumentsAxis_b1b45da6-6e2a-4e11-8fed-3a2d02f86490_terseLabel_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_SecuredFinancialInstrumentsAxis_label_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_SecuredFinancialInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredFinancialInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_SecuredFinancialInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredFinancialInstrumentsAxis" xlink:to="lab_bbva_SecuredFinancialInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipment_2501c3b1-f72a-4d8b-943e-c738e784e7e4_totalLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, plant and equipment</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipment_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipment" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipment" xlink:to="lab_ifrs-full_PropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesAxis_b1a6f6d2-a1d2-4864-861d-80ec541f8e4c_terseLabel_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transferred financial liabilities [Axis]</link:label>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesAxis_label_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transferred financial liabilities [Axis]</link:label>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesAxis_documentation_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transferred financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredFinancialLiabilitiesAxis" xlink:href="bbva-20221231.xsd#bbva_TransferredFinancialLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransferredFinancialLiabilitiesAxis" xlink:to="lab_bbva_TransferredFinancialLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_9dec433d-dfeb-4794-beb2-3354de9b8855_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_label_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:to="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RelatedPartiesMember_3973e8ae-11cc-4553-8c61-be843e89b539_terseLabel_en-US" xlink:label="lab_ifrs-full_RelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related parties [member]</link:label>
    <link:label id="lab_ifrs-full_RelatedPartiesMember_label_en-US" xlink:label="lab_ifrs-full_RelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related parties [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RelatedPartiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RelatedPartiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RelatedPartiesMember" xlink:to="lab_ifrs-full_RelatedPartiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations_3357067b-2032-4e42-9fdf-c5b647c1a101_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) operating activities, continuing operations</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) operating activities, continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations" xlink:to="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_1d243eaa-e14e-482f-9351-7f12dc2297c4_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CurrentServiceCostMember_5dd2c09e-8dc0-4cdc-8ffc-1c2813ea42f0_terseLabel_en-US" xlink:label="lab_bbva_CurrentServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current service cost [Member]</link:label>
    <link:label id="lab_bbva_CurrentServiceCostMember_label_en-US" xlink:label="lab_bbva_CurrentServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current service cost [Member]</link:label>
    <link:label id="lab_bbva_CurrentServiceCostMember_documentation_en-US" xlink:label="lab_bbva_CurrentServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current service cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CurrentServiceCostMember" xlink:href="bbva-20221231.xsd#bbva_CurrentServiceCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CurrentServiceCostMember" xlink:to="lab_bbva_CurrentServiceCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRates_5c68d314-9a82-423f-95d9-9834693b58c8_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumption of discount rates</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRates_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumption of discount rates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ActuarialAssumptionOfDiscountRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:to="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RelatedPartyTransactionsAbstract_3a7eee2a-6c77-42a0-b117-269b4b5daff9_terseLabel_en-US" xlink:label="lab_ifrs-full_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related party transactions [abstract]</link:label>
    <link:label id="lab_ifrs-full_RelatedPartyTransactionsAbstract_label_en-US" xlink:label="lab_ifrs-full_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related party transactions [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RelatedPartyTransactionsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RelatedPartyTransactionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RelatedPartyTransactionsAbstract" xlink:to="lab_ifrs-full_RelatedPartyTransactionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseOf50BasisPointsMember_5c3541d0-ab00-4e30-b2b4-fbc4c2f32d37_terseLabel_en-US" xlink:label="lab_bbva_DecreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease of 50 basis points [Member]</link:label>
    <link:label id="lab_bbva_DecreaseOf50BasisPointsMember_label_en-US" xlink:label="lab_bbva_DecreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease of 50 basis points [Member]</link:label>
    <link:label id="lab_bbva_DecreaseOf50BasisPointsMember_documentation_en-US" xlink:label="lab_bbva_DecreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease of 50 basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseOf50BasisPointsMember" xlink:href="bbva-20221231.xsd#bbva_DecreaseOf50BasisPointsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseOf50BasisPointsMember" xlink:to="lab_bbva_DecreaseOf50BasisPointsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock_49caeb4b-e2d0-4453-aba9-906014e86652_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Table Text Block]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Table Text Block]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:to="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance_b74bb8dd-9b7e-4530-a5ae-0b712378e018_terseLabel_en-US" xlink:label="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Charges to income for the year provisions for pensions and similar obligations balance</link:label>
    <link:label id="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance_label_en-US" xlink:label="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Charges to income for the year provisions for pensions and similar obligations balance</link:label>
    <link:label id="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance_documentation_en-US" xlink:label="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Charges to income for the year provisions for pensions and similar obligations balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:href="bbva-20221231.xsd#bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:to="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromIssuingShares_a3dc08aa-d993-4909-96ac-d87aed13a23a_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssuingShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from issuing shares</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromIssuingShares_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssuingShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from issuing shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromIssuingShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromIssuingShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromIssuingShares" xlink:to="lab_ifrs-full_ProceedsFromIssuingShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2018Member_b8728ffa-3b50-4f00-8220-55227cc2c59d_terseLabel_en-US" xlink:label="lab_bbva_A2018Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2018 [Member]</link:label>
    <link:label id="lab_bbva_A2018Member_label_en-US" xlink:label="lab_bbva_A2018Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2018 [Member]</link:label>
    <link:label id="lab_bbva_A2018Member_documentation_en-US" xlink:label="lab_bbva_A2018Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2018</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2018Member" xlink:href="bbva-20221231.xsd#bbva_A2018Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2018Member" xlink:to="lab_bbva_A2018Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain_ae42263a-50c8-4e27-8edc-c705c0222e5a_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates breakdown by entities [Domain]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain_label_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates breakdown by entities [Domain]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain_documentation_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates breakdown by entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:href="bbva-20221231.xsd#bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:to="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost_8bd5e116-7457-4ef8-86ea-550115fee90f_terseLabel_en-US" xlink:label="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total subordinated liabilities at amortized cost</link:label>
    <link:label id="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total subordinated liabilities at amortized cost</link:label>
    <link:label id="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total subordinated liabilities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_TotalSubordinatedLiabilitiesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" xlink:to="lab_bbva_TotalSubordinatedLiabilitiesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AcquisitionsDisposalsAndLiquidations_93969301-2591-43e5-aa04-dd19674e5f16_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionsDisposalsAndLiquidations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisitions disposals and liquidations</link:label>
    <link:label id="lab_bbva_AcquisitionsDisposalsAndLiquidations_label_en-US" xlink:label="lab_bbva_AcquisitionsDisposalsAndLiquidations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisitions disposals and liquidations</link:label>
    <link:label id="lab_bbva_AcquisitionsDisposalsAndLiquidations_documentation_en-US" xlink:label="lab_bbva_AcquisitionsDisposalsAndLiquidations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisitions disposals and liquidations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcquisitionsDisposalsAndLiquidations" xlink:href="bbva-20221231.xsd#bbva_AcquisitionsDisposalsAndLiquidations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AcquisitionsDisposalsAndLiquidations" xlink:to="lab_bbva_AcquisitionsDisposalsAndLiquidations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis_f9692845-175f-4df4-a6ba-a1209fb6848f_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by country [Axis]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by country [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems"/>
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    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleDomain_4a2ed431-1954-48cf-8d0c-c9ef1ac7240e_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale [Domain]</link:label>
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    <link:label id="lab_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue_f64486a5-088d-404b-beca-d75ba6db7826_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers, mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers, mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers, mandatorily measured at fair value</link:label>
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    <link:label id="lab_bbva_TransfersAndOtherPaymentOrdersExpenses_36a7897e-7653-4f7c-8bb5-86860ef6240f_terseLabel_en-US" xlink:label="lab_bbva_TransfersAndOtherPaymentOrdersExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers and other payment orders expenses</link:label>
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    <link:label id="lab_bbva_TransfersAndOtherPaymentOrdersExpenses_documentation_en-US" xlink:label="lab_bbva_TransfersAndOtherPaymentOrdersExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers and other payment orders expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersAndOtherPaymentOrdersExpenses" xlink:href="bbva-20221231.xsd#bbva_TransfersAndOtherPaymentOrdersExpenses"/>
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    <link:label id="lab_bbva_NetAnnualOriginationOfFinancialAssets_documentation_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net annual origination of financial assets</link:label>
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    <link:label id="lab_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember_documentation_en-US" xlink:label="lab_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on equities baskets of equity funds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember" xlink:href="bbva-20221231.xsd#bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember" xlink:to="lab_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityOTCOptionMember_dcb1bfd5-eb61-46d7-a0f8-d7a5c97b39e4_terseLabel_en-US" xlink:label="lab_bbva_EquityOTCOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity OTC option [Member]</link:label>
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    <link:label id="lab_bbva_EquityOTCOptionMember_documentation_en-US" xlink:label="lab_bbva_EquityOTCOptionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity OTC option</link:label>
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    <link:label id="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember_893bbcd5-07ee-4e2c-8698-d93d7369832b_terseLabel_en-US" xlink:label="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit derivative agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit derivative agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit derivative agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:href="bbva-20221231.xsd#bbva_CreditDerivativeAgreementsHedgeAccountingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:to="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain_f5a7255c-b6ed-45cb-832a-8a21c1d6204a_terseLabel_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of the Group by operating segments [Domain]</link:label>
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    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain_documentation_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of the Group by operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:href="bbva-20221231.xsd#bbva_AssetsOfTheGroupByOperatingSegmentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:to="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis_326b5389-2e56-4bde-bf98-bffbf393d136_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativesMember_df8751b9-c904-4173-abfc-6bddbff6f9f8_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives [member]</link:label>
    <link:label id="lab_ifrs-full_DerivativesMember_label_en-US" xlink:label="lab_ifrs-full_DerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativesMember" xlink:to="lab_ifrs-full_DerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems_3ee92bae-91a4-4d9d-8b15-2e449bedf132_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementsMember_baca55de-dce6-4265-9ecb-953cabb1ba51_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase agreements [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementsMember_label_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase agreements [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementsMember_documentation_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseAgreementsMember" xlink:href="bbva-20221231.xsd#bbva_ReverseRepurchaseAgreementsMember"/>
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    <link:label id="lab_bbva_UnrealizedGainsOfDebtSecurities_documentation_en-US" xlink:label="lab_bbva_UnrealizedGainsOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized gains of debt securities</link:label>
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    <link:label id="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember_3324d575-9f2d-4bab-8125-341d092aaa89_terseLabel_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common equity tier 1 CET1 before oter regulatory adjustments [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:href="bbva-20221231.xsd#bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities" xlink:href="bbva-20221231.xsd#bbva_IncreaseDecreaseThroughFairValueChangesFinancingActivitiesLiabilities"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:href="bbva-20221231.xsd#bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock"/>
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    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in impaired financial assets and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" xlink:to="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated Income Statement Impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ConsolidatedIncomeStatementImpactTableTextBlock"/>
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    <link:label id="lab_bbva_GDP_documentation_en-US" xlink:label="lab_bbva_GDP" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP</link:label>
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    <link:label id="lab_bbva_IssuingInstitutionsDomain_35feb976-2bdb-4ebb-b5fb-fb28bb3a348d_terseLabel_en-US" xlink:label="lab_bbva_IssuingInstitutionsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuing institutions [Domain]</link:label>
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    <link:label id="lab_bbva_IssuingInstitutionsDomain_documentation_en-US" xlink:label="lab_bbva_IssuingInstitutionsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuing institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuingInstitutionsDomain" xlink:href="bbva-20221231.xsd#bbva_IssuingInstitutionsDomain"/>
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    <link:label id="lab_bbva_InvestmentInListedMarketsDomain_d7e5b402-0168-4b94-b7b4-6d33d55b3e7a_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:href="bbva-20221231.xsd#bbva_AssetsOfTheGroupByOperatingSegmentsTable"/>
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    <link:label id="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp_3170cd74-1a98-4add-9bc4-16bc4b9be010_terseLabel_en-US" xlink:label="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unpaid capital which has been called up</link:label>
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    <link:label id="lab_ifrs-full_EmployerContributions_f5f1ecc4-a3de-4d06-bb6e-f2ad5aff620e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_EmployerContributions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employer contributions</link:label>
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    <link:label id="lab_bbva_ForeclosedAssetsMember_a2b067a7-df62-46db-b2e2-a1747a41ae8d_terseLabel_en-US" xlink:label="lab_bbva_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreclosed assets [Member]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock_3e42a809-9538-429f-84b7-d3f2a3cf6b29_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities [Table Text Block]</link:label>
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    <link:label id="lab_bbva_FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock_1c3b3875-3ec1-4233-9778-bf99d096c31b_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial liabilities by levels, valuation techniques and inputs [Table Text Block]</link:label>
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    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAbstract_a9f441fd-4183-4153-bc7e-30768f56c54d_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments [Abstract]</link:label>
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    <link:label id="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_59997a7f-d518-4b3e-9f20-4f58197f4361_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccruedAmortizationMember_2367cd92-2af6-4121-9be6-547e6c6610e2_terseLabel_en-US" xlink:label="lab_bbva_AccruedAmortizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued amortization [Member]</link:label>
    <link:label id="lab_bbva_AccruedAmortizationMember_label_en-US" xlink:label="lab_bbva_AccruedAmortizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued amortization [Member]</link:label>
    <link:label id="lab_bbva_AccruedAmortizationMember_documentation_en-US" xlink:label="lab_bbva_AccruedAmortizationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccruedAmortizationMember" xlink:href="bbva-20221231.xsd#bbva_AccruedAmortizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccruedAmortizationMember" xlink:to="lab_bbva_AccruedAmortizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentLossesMember_4c977aaa-34cb-4e53-ae07-7bdc196c2859_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment losses [Member]</link:label>
    <link:label id="lab_bbva_ImpairmentLossesMember_label_en-US" xlink:label="lab_bbva_ImpairmentLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment losses [Member]</link:label>
    <link:label id="lab_bbva_ImpairmentLossesMember_documentation_en-US" xlink:label="lab_bbva_ImpairmentLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentLossesMember" xlink:href="bbva-20221231.xsd#bbva_ImpairmentLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentLossesMember" xlink:to="lab_bbva_ImpairmentLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PaymentDeferral_429435a2-c183-4e3c-b331-3516892d7836_terseLabel_en-US" xlink:label="lab_bbva_PaymentDeferral" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payment deferral</link:label>
    <link:label id="lab_bbva_PaymentDeferral_label_en-US" xlink:label="lab_bbva_PaymentDeferral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payment deferral</link:label>
    <link:label id="lab_bbva_PaymentDeferral_documentation_en-US" xlink:label="lab_bbva_PaymentDeferral" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payment deferral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PaymentDeferral" xlink:href="bbva-20221231.xsd#bbva_PaymentDeferral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PaymentDeferral" xlink:to="lab_bbva_PaymentDeferral" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_ad2c73fb-217c-4a40-9d7c-e45fa2cb9c24_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmortizationTransferToDiscontinuedOperations_9018f8e3-ce18-49a2-a0a1-67c23a973727_terseLabel_en-US" xlink:label="lab_bbva_AmortizationTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization transfer to discontinued operations</link:label>
    <link:label id="lab_bbva_AmortizationTransferToDiscontinuedOperations_label_en-US" xlink:label="lab_bbva_AmortizationTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization transfer to discontinued operations</link:label>
    <link:label id="lab_bbva_AmortizationTransferToDiscontinuedOperations_documentation_en-US" xlink:label="lab_bbva_AmortizationTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization transfer to discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmortizationTransferToDiscontinuedOperations" xlink:href="bbva-20221231.xsd#bbva_AmortizationTransferToDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmortizationTransferToDiscontinuedOperations" xlink:to="lab_bbva_AmortizationTransferToDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale_d7af99da-e888-452c-859e-891c35e9bce7_totalLabel_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income before tax non current assets held for sale</link:label>
    <link:label id="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income before tax non current assets held for sale</link:label>
    <link:label id="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income before tax non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:href="bbva-20221231.xsd#bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain_94fd3e1f-74c8-47e6-bf7c-3f6e4692151b_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration executive directors [Domain]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration executive directors [Domain]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:href="bbva-20221231.xsd#bbva_AnnualFixedRemunerationExecutiveDirectorsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:to="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangeInInventories_08a6c1e8-7c5f-4054-a225-0a7844183e47_terseLabel_en-US" xlink:label="lab_bbva_ChangeInInventories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Change in inventories</link:label>
    <link:label id="lab_bbva_ChangeInInventories_label_en-US" xlink:label="lab_bbva_ChangeInInventories" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Change in inventories</link:label>
    <link:label id="lab_bbva_ChangeInInventories_documentation_en-US" xlink:label="lab_bbva_ChangeInInventories" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Change in inventories</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangeInInventories" xlink:href="bbva-20221231.xsd#bbva_ChangeInInventories"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangeInInventories" xlink:to="lab_bbva_ChangeInInventories" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock_6ba66ce4-94d1-4c8f-b157-5eec5b2e7c41_terseLabel_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform [Table Text Block]</link:label>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock_label_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform [Table Text Block]</link:label>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock_documentation_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgesAffectedByTheIBORReformTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_HedgesAffectedByTheIBORReformTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgesAffectedByTheIBORReformTableTextBlock" xlink:to="lab_bbva_HedgesAffectedByTheIBORReformTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources_fcff81be-39be-4f75-9b0e-7df5b61037f7_terseLabel_en-US" xlink:label="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total minimum equity required eligible capital resources</link:label>
    <link:label id="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total minimum equity required eligible capital resources</link:label>
    <link:label id="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total minimum equity required eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_TotalMinimumEquityRequiredEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:to="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_3cc4a839-d197-4898-91a2-5fe79e8dc350_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification Of Other Gains Losses To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification Of Other Gains Losses To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification Of Other Gains Losses To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss_535d2c82-1a65-4fe1-997f-30af7a82dde0_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments mandatorily measured at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments mandatorily measured at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments mandatorily measured at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_38164ee1-ee78-4ada-ab3c-efbdf1d5f3b1_terseLabel_en-US" xlink:label="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Items in course of collection from other banks</link:label>
    <link:label id="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_label_en-US" xlink:label="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Items in course of collection from other banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ItemsInCourseOfCollectionFromOtherBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:to="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichLendingForHousePurchaseMember_4e2ac3e5-da99-4beb-a5dc-f39487d77800_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLendingForHousePurchaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which lending for house purchase [Member]</link:label>
    <link:label id="lab_bbva_OfWhichLendingForHousePurchaseMember_label_en-US" xlink:label="lab_bbva_OfWhichLendingForHousePurchaseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which lending for house purchase [Member]</link:label>
    <link:label id="lab_bbva_OfWhichLendingForHousePurchaseMember_documentation_en-US" xlink:label="lab_bbva_OfWhichLendingForHousePurchaseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which lending for house purchase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichLendingForHousePurchaseMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichLendingForHousePurchaseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichLendingForHousePurchaseMember" xlink:to="lab_bbva_OfWhichLendingForHousePurchaseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock_021e2a41-4c41-4d95-92b3-db6611d11210_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for termination benefits [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for termination benefits [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for termination benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FixturesAndFittingsMember_21e9170c-efe5-49ea-9bc1-f1e5098b60dc_terseLabel_en-US" xlink:label="lab_ifrs-full_FixturesAndFittingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixtures and fittings [member]</link:label>
    <link:label id="lab_ifrs-full_FixturesAndFittingsMember_label_en-US" xlink:label="lab_ifrs-full_FixturesAndFittingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixtures and fittings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FixturesAndFittingsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FixturesAndFittingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FixturesAndFittingsMember" xlink:to="lab_ifrs-full_FixturesAndFittingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock_af9f6420-655c-4ce7-8a97-1afc1d0e5ff4_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Description of accounting policy for financial instruments explanatory [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for financial instruments [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsuranceContractsLinkedToPensions_e4e50589-9e69-49f2-b813-4d58354b7388_terseLabel_en-US" xlink:label="lab_bbva_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:label id="lab_bbva_InsuranceContractsLinkedToPensions_label_en-US" xlink:label="lab_bbva_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:label id="lab_bbva_InsuranceContractsLinkedToPensions_documentation_en-US" xlink:label="lab_bbva_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceContractsLinkedToPensions" xlink:href="bbva-20221231.xsd#bbva_InsuranceContractsLinkedToPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceContractsLinkedToPensions" xlink:to="lab_bbva_InsuranceContractsLinkedToPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinishedMember_9609a04e-ae00-4c25-9874-1d4aa4f44570_terseLabel_en-US" xlink:label="lab_bbva_FinishedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Finished [Member]</link:label>
    <link:label id="lab_bbva_FinishedMember_label_en-US" xlink:label="lab_bbva_FinishedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Finished [Member]</link:label>
    <link:label id="lab_bbva_FinishedMember_documentation_en-US" xlink:label="lab_bbva_FinishedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Finished</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinishedMember" xlink:href="bbva-20221231.xsd#bbva_FinishedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinishedMember" xlink:to="lab_bbva_FinishedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Cash_d698d05e-482f-4f89-9f57-6860925df9e0_terseLabel_en-US" xlink:label="lab_ifrs-full_Cash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash</link:label>
    <link:label id="lab_ifrs-full_Cash_label_en-US" xlink:label="lab_ifrs-full_Cash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Cash" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Cash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Cash" xlink:to="lab_ifrs-full_Cash" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CompoundConvertibleFinancialInstruments_dd255ae8-2aee-4e29-a4af-778d9a06ec0f_terseLabel_en-US" xlink:label="lab_bbva_CompoundConvertibleFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Compound convertible financial instruments</link:label>
    <link:label id="lab_bbva_CompoundConvertibleFinancialInstruments_label_en-US" xlink:label="lab_bbva_CompoundConvertibleFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Compound convertible financial instruments</link:label>
    <link:label id="lab_bbva_CompoundConvertibleFinancialInstruments_documentation_en-US" xlink:label="lab_bbva_CompoundConvertibleFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Compound convertible financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompoundConvertibleFinancialInstruments" xlink:href="bbva-20221231.xsd#bbva_CompoundConvertibleFinancialInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CompoundConvertibleFinancialInstruments" xlink:to="lab_bbva_CompoundConvertibleFinancialInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignExchangeAndGoldAssets_ee846dac-5b81-441e-b7b5-9197e0ffe212_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold assets</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldAssets_label_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold assets</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldAssets_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAndGoldAssets" xlink:href="bbva-20221231.xsd#bbva_ForeignExchangeAndGoldAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeAndGoldAssets" xlink:to="lab_bbva_ForeignExchangeAndGoldAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems_a53ec392-4ccd-480a-9660-e3d46e847854_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:to="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichMortgages_60dce012-5e2f-443b-a6eb-d8126ca13296_terseLabel_en-US" xlink:label="lab_bbva_OfWhichMortgages" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which mortages</link:label>
    <link:label id="lab_bbva_OfWhichMortgages_label_en-US" xlink:label="lab_bbva_OfWhichMortgages" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which mortgages</link:label>
    <link:label id="lab_bbva_OfWhichMortgages_documentation_en-US" xlink:label="lab_bbva_OfWhichMortgages" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which mortgages</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichMortgages" xlink:href="bbva-20221231.xsd#bbva_OfWhichMortgages"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichMortgages" xlink:to="lab_bbva_OfWhichMortgages" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock_afcb96d9-4ae7-40a9-895d-b6c1f0ea5ad5_terseLabel_en-US" xlink:label="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loss allowances on financial assets [Policy Text Block]</link:label>
    <link:label id="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loss allowances on financial assets [Policy Text Block]</link:label>
    <link:label id="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loss allowances on financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:to="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OfficeEquipmentMember_3ba62102-7b04-4f15-be07-19aa5ce4d11e_terseLabel_en-US" xlink:label="lab_ifrs-full_OfficeEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Office equipment [member]</link:label>
    <link:label id="lab_ifrs-full_OfficeEquipmentMember_label_en-US" xlink:label="lab_ifrs-full_OfficeEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Office equipment [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OfficeEquipmentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OfficeEquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OfficeEquipmentMember" xlink:to="lab_ifrs-full_OfficeEquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations_645b7445-fc47-4916-a7ba-d5c413bed75f_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from disposal of non-current assets or disposal groups classified as held for sale and discontinued operations</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from disposal of non-current assets or disposal groups classified as held for sale and discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:to="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MemorandumAccountsMember_e65cc3ba-f67c-497d-a649-27fb0810bd3b_terseLabel_en-US" xlink:label="lab_bbva_MemorandumAccountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Memorandum accounts [Member]</link:label>
    <link:label id="lab_bbva_MemorandumAccountsMember_label_en-US" xlink:label="lab_bbva_MemorandumAccountsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Memorandum accounts [Member]</link:label>
    <link:label id="lab_bbva_MemorandumAccountsMember_documentation_en-US" xlink:label="lab_bbva_MemorandumAccountsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Memorandum accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MemorandumAccountsMember" xlink:href="bbva-20221231.xsd#bbva_MemorandumAccountsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MemorandumAccountsMember" xlink:to="lab_bbva_MemorandumAccountsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommercialDebtorsMember_0ed4122d-3697-4162-8854-a0ab2045e0b2_terseLabel_en-US" xlink:label="lab_bbva_CommercialDebtorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commercial debtors [Member]</link:label>
    <link:label id="lab_bbva_CommercialDebtorsMember_label_en-US" xlink:label="lab_bbva_CommercialDebtorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commercial debtors [Member]</link:label>
    <link:label id="lab_bbva_CommercialDebtorsMember_documentation_en-US" xlink:label="lab_bbva_CommercialDebtorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commercial debtors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommercialDebtorsMember" xlink:href="bbva-20221231.xsd#bbva_CommercialDebtorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommercialDebtorsMember" xlink:to="lab_bbva_CommercialDebtorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_837e9ab6-815d-4be9-9a73-e09923ff8316_totalLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_36a4fe7a-605e-4121-8ff1-7fda77d804aa_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
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    <link:label id="lab_bbva_AverageTreasuryShares_label_en-US" xlink:label="lab_bbva_AverageTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average treasury shares</link:label>
    <link:label id="lab_bbva_AverageTreasuryShares_documentation_en-US" xlink:label="lab_bbva_AverageTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageTreasuryShares" xlink:href="bbva-20221231.xsd#bbva_AverageTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AverageTreasuryShares" xlink:to="lab_bbva_AverageTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_fe5a8778-6769-48da-aee9-0b111169e5bd_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through acquisition of subsidiary, equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through acquisition of subsidiary, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLongTermEmployeeBenefits_b4fe0b53-6860-4716-bb0f-ae598137d009_terseLabel_en-US" xlink:label="lab_bbva_OtherLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other long term employee benefits</link:label>
    <link:label id="lab_bbva_OtherLongTermEmployeeBenefits_label_en-US" xlink:label="lab_bbva_OtherLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other long term employee benefits</link:label>
    <link:label id="lab_bbva_OtherLongTermEmployeeBenefits_documentation_en-US" xlink:label="lab_bbva_OtherLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other long term employee benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLongTermEmployeeBenefits" xlink:href="bbva-20221231.xsd#bbva_OtherLongTermEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherLongTermEmployeeBenefits" xlink:to="lab_bbva_OtherLongTermEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_5eee08a6-02a9-444b-af03-7c41ff63640d_terseLabel_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net defined benefit liability (asset) [axis]</link:label>
    <link:label id="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_label_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net defined benefit liability (asset) [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NetDefinedBenefitLiabilityAssetAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:to="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsuranceTypologyAxis_24783f30-d128-4734-bb48-33c3de0e00d8_terseLabel_en-US" xlink:label="lab_bbva_InsuranceTypologyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance typology [Axis]</link:label>
    <link:label id="lab_bbva_InsuranceTypologyAxis_label_en-US" xlink:label="lab_bbva_InsuranceTypologyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance typology [Axis]</link:label>
    <link:label id="lab_bbva_InsuranceTypologyAxis_documentation_en-US" xlink:label="lab_bbva_InsuranceTypologyAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance typology</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceTypologyAxis" xlink:href="bbva-20221231.xsd#bbva_InsuranceTypologyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceTypologyAxis" xlink:to="lab_bbva_InsuranceTypologyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesTable_c967d5e2-085a-466d-900e-c61aae1c8065_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Table]</link:label>
    <link:label id="lab_bbva_TreasurySharesTable_label_en-US" xlink:label="lab_bbva_TreasurySharesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Table]</link:label>
    <link:label id="lab_bbva_TreasurySharesTable_documentation_en-US" xlink:label="lab_bbva_TreasurySharesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesTable" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesTable" xlink:to="lab_bbva_TreasurySharesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost_0b50b96b-5324-4a6a-a9e7-eed47ad36d33_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated impairment</link:label>
    <link:label id="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated impairment loans and advances at amortized cost</link:label>
    <link:label id="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated impairment loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:to="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BaseScenarioMember_db66ceb1-fa11-4018-957b-85eff599cca0_terseLabel_en-US" xlink:label="lab_bbva_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Base scenario [Member]</link:label>
    <link:label id="lab_bbva_BaseScenarioMember_label_en-US" xlink:label="lab_bbva_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Base scenario [Member]</link:label>
    <link:label id="lab_bbva_BaseScenarioMember_documentation_en-US" xlink:label="lab_bbva_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Base scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BaseScenarioMember" xlink:href="bbva-20221231.xsd#bbva_BaseScenarioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BaseScenarioMember" xlink:to="lab_bbva_BaseScenarioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAvailableForSaleDomain_f0db7dce-1603-4f08-a3e0-092ab3212668_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities available for sale [Domain]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAvailableForSaleDomain_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities available for sale [Domain]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAvailableForSaleDomain_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities available for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesAvailableForSaleDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:to="lab_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesNetMember_479f3359-d510-4caf-a01f-b740366e9adc_terseLabel_en-US" xlink:label="lab_bbva_DerivativesNetMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives net [Member]</link:label>
    <link:label id="lab_bbva_DerivativesNetMember_label_en-US" xlink:label="lab_bbva_DerivativesNetMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives net [Member]</link:label>
    <link:label id="lab_bbva_DerivativesNetMember_documentation_en-US" xlink:label="lab_bbva_DerivativesNetMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesNetMember" xlink:href="bbva-20221231.xsd#bbva_DerivativesNetMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesNetMember" xlink:to="lab_bbva_DerivativesNetMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IRDerivativesMember_15b989e1-c82f-4e8c-a598-de215dd01ffd_terseLabel_en-US" xlink:label="lab_bbva_IRDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">IR derivatives [Member]</link:label>
    <link:label id="lab_bbva_IRDerivativesMember_label_en-US" xlink:label="lab_bbva_IRDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">IR derivatives [Member]</link:label>
    <link:label id="lab_bbva_IRDerivativesMember_documentation_en-US" xlink:label="lab_bbva_IRDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">IR derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IRDerivativesMember" xlink:href="bbva-20221231.xsd#bbva_IRDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IRDerivativesMember" xlink:to="lab_bbva_IRDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2022Member_85df4615-19f0-47a0-a6f0-01fd63b9deb5_terseLabel_en-US" xlink:label="lab_bbva_A2022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2022 [Member]</link:label>
    <link:label id="lab_bbva_A2022Member_label_en-US" xlink:label="lab_bbva_A2022Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2022 [Member]</link:label>
    <link:label id="lab_bbva_A2022Member_documentation_en-US" xlink:label="lab_bbva_A2022Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2022</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2022Member" xlink:href="bbva-20221231.xsd#bbva_A2022Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2022Member" xlink:to="lab_bbva_A2022Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Impairment_010ae229-3487-4884-9956-6fd2b2d64699_terseLabel_en-US" xlink:label="lab_bbva_Impairment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment</link:label>
    <link:label id="lab_bbva_Impairment_label_en-US" xlink:label="lab_bbva_Impairment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment</link:label>
    <link:label id="lab_bbva_Impairment_documentation_en-US" xlink:label="lab_bbva_Impairment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Impairment" xlink:href="bbva-20221231.xsd#bbva_Impairment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Impairment" xlink:to="lab_bbva_Impairment" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesMember_aaa27081-65b8-4a13-b2b3-5f4ba22591fd_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">loans and advances [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMember_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMember_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesMember" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesMember" xlink:to="lab_bbva_LoansAndAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationLineItems_03584bd7-907c-4f17-af98-cb71dc1fc222_terseLabel_en-US" xlink:label="lab_bbva_DepreciationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation [Line Items]</link:label>
    <link:label id="lab_bbva_DepreciationLineItems_label_en-US" xlink:label="lab_bbva_DepreciationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation [Line Items]</link:label>
    <link:label id="lab_bbva_DepreciationLineItems_documentation_en-US" xlink:label="lab_bbva_DepreciationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationLineItems" xlink:href="bbva-20221231.xsd#bbva_DepreciationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationLineItems" xlink:to="lab_bbva_DepreciationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_USASaleEffectMember_fbdfe02f-56ec-4cd0-b718-66b2627a1d55_terseLabel_en-US" xlink:label="lab_bbva_USASaleEffectMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">USA Sale effect [Member]</link:label>
    <link:label id="lab_bbva_USASaleEffectMember_label_en-US" xlink:label="lab_bbva_USASaleEffectMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">USA Sale effect [Member]</link:label>
    <link:label id="lab_bbva_USASaleEffectMember_documentation_en-US" xlink:label="lab_bbva_USASaleEffectMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">USA Sale effect</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_USASaleEffectMember" xlink:href="bbva-20221231.xsd#bbva_USASaleEffectMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_USASaleEffectMember" xlink:to="lab_bbva_USASaleEffectMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIntangibleAssetsTable_3c0debc5-4dc3-497d-aad6-448bf443bd9d_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Table]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsTable_label_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Table]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsTable_documentation_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsTable" xlink:href="bbva-20221231.xsd#bbva_OtherIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIntangibleAssetsTable" xlink:to="lab_bbva_OtherIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SoldUSASubsidiaryMember_81009f24-b2ff-47ae-b0d1-4482ba0fe72f_terseLabel_en-US" xlink:label="lab_bbva_SoldUSASubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sold USA subsidiary [Member]</link:label>
    <link:label id="lab_bbva_SoldUSASubsidiaryMember_label_en-US" xlink:label="lab_bbva_SoldUSASubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sold USA subsidiary [Member]</link:label>
    <link:label id="lab_bbva_SoldUSASubsidiaryMember_documentation_en-US" xlink:label="lab_bbva_SoldUSASubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sold USA subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SoldUSASubsidiaryMember" xlink:href="bbva-20221231.xsd#bbva_SoldUSASubsidiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SoldUSASubsidiaryMember" xlink:to="lab_bbva_SoldUSASubsidiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock_d907acc7-1427-46b1-9791-f3b93810133d_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:to="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet_12702c42-8a6a-418a-b776-28511b6799db_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Derecognition Of Financial Assets And Liabilities Not Measured At Fair Value Through Profit Or Loss Net Available For Sale Financial AssetsLoss Net</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Derecognition Of Financial Assets And Liabilities Not Measured At Fair Value Through Profit Or Loss Net Available For Sale Financial AssetsLoss Net</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Derecognition Of Financial Assets And Liabilities Not Measured At Fair Value Through Profit Or Loss Net Available For Sale Financial AssetsLoss Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" xlink:to="lab_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNetAvailableForSaleFinancialAssetsLossNet" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ApplicationOfResultsLineItems_4ce76cd1-8a97-423a-bb2a-3952b7d0f5e4_terseLabel_en-US" xlink:label="lab_bbva_ApplicationOfResultsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Application of results [Line Items]</link:label>
    <link:label id="lab_bbva_ApplicationOfResultsLineItems_label_en-US" xlink:label="lab_bbva_ApplicationOfResultsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Application of results [Line Items]</link:label>
    <link:label id="lab_bbva_ApplicationOfResultsLineItems_documentation_en-US" xlink:label="lab_bbva_ApplicationOfResultsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Application of results</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ApplicationOfResultsLineItems" xlink:href="bbva-20221231.xsd#bbva_ApplicationOfResultsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ApplicationOfResultsLineItems" xlink:to="lab_bbva_ApplicationOfResultsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignEntitiesMember_c43fedb2-5986-44e9-987a-f989f7cd60e8_terseLabel_en-US" xlink:label="lab_bbva_ForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign entities [Member]</link:label>
    <link:label id="lab_bbva_ForeignEntitiesMember_label_en-US" xlink:label="lab_bbva_ForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign entities [Member]</link:label>
    <link:label id="lab_bbva_ForeignEntitiesMember_documentation_en-US" xlink:label="lab_bbva_ForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignEntitiesMember" xlink:href="bbva-20221231.xsd#bbva_ForeignEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignEntitiesMember" xlink:to="lab_bbva_ForeignEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A100BasisPointIncreaseMember_6141d730-0003-4ae7-aa73-684bb61f2d22_terseLabel_en-US" xlink:label="lab_bbva_A100BasisPointIncreaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">100 basis point increase [Member]</link:label>
    <link:label id="lab_bbva_A100BasisPointIncreaseMember_label_en-US" xlink:label="lab_bbva_A100BasisPointIncreaseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">100 basis point increase [Member]</link:label>
    <link:label id="lab_bbva_A100BasisPointIncreaseMember_documentation_en-US" xlink:label="lab_bbva_A100BasisPointIncreaseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">100 basis point increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A100BasisPointIncreaseMember" xlink:href="bbva-20221231.xsd#bbva_A100BasisPointIncreaseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A100BasisPointIncreaseMember" xlink:to="lab_bbva_A100BasisPointIncreaseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RealEstateActivitiesMember_a1106f76-d875-4e21-8978-c516387488e8_terseLabel_en-US" xlink:label="lab_bbva_RealEstateActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Real estate activities [Member]</link:label>
    <link:label id="lab_bbva_RealEstateActivitiesMember_label_en-US" xlink:label="lab_bbva_RealEstateActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Real estate activities [Member]</link:label>
    <link:label id="lab_bbva_RealEstateActivitiesMember_documentation_en-US" xlink:label="lab_bbva_RealEstateActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Real estate activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RealEstateActivitiesMember" xlink:href="bbva-20221231.xsd#bbva_RealEstateActivitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RealEstateActivitiesMember" xlink:to="lab_bbva_RealEstateActivitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesAbstract_label_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties [Abstract]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesAbstract_documentation_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransactionsOnBehalfOfThirdPartiesAbstract" xlink:href="bbva-20221231.xsd#bbva_TransactionsOnBehalfOfThirdPartiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransactionsOnBehalfOfThirdPartiesAbstract" xlink:to="lab_bbva_TransactionsOnBehalfOfThirdPartiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIndices_64603dfc-474b-49b9-ba93-791db84ca1e6_terseLabel_en-US" xlink:label="lab_bbva_OtherIndices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other indices</link:label>
    <link:label id="lab_bbva_OtherIndices_label_en-US" xlink:label="lab_bbva_OtherIndices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other indices</link:label>
    <link:label id="lab_bbva_OtherIndices_documentation_en-US" xlink:label="lab_bbva_OtherIndices" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other indices</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIndices" xlink:href="bbva-20221231.xsd#bbva_OtherIndices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIndices" xlink:to="lab_bbva_OtherIndices" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossLoanCommitments_4ab08523-7a4d-416d-a865-451dba296b9a_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossLoanCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross loan commitments</link:label>
    <link:label id="lab_ifrs-full_GrossLoanCommitments_label_en-US" xlink:label="lab_ifrs-full_GrossLoanCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross loan commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossLoanCommitments" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GrossLoanCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossLoanCommitments" xlink:to="lab_ifrs-full_GrossLoanCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance_8f21e629-8392-45b6-b924-a99f7d36b78b_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of collateral received or own debt securities issued nor available for encumbrance</link:label>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance_label_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of collateral received or own debt securities issued nor available for encumbrance</link:label>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance_documentation_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of collateral received or own debt securities issued nor available for encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:href="bbva-20221231.xsd#bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:to="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesTableTextBlock_5d180127-0029-4cff-96dd-3f79cd2777c5_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Financial Liabilities [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Financial Liabilities [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Financial Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:to="lab_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepurchaseLoansMember_dd077a9f-7d63-4cc9-ac63-18c6a062d697_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase loans [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseLoansMember_label_en-US" xlink:label="lab_bbva_ReverseRepurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase loans [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseLoansMember_documentation_en-US" xlink:label="lab_bbva_ReverseRepurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseLoansMember" xlink:href="bbva-20221231.xsd#bbva_ReverseRepurchaseLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReverseRepurchaseLoansMember" xlink:to="lab_bbva_ReverseRepurchaseLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock_413e7e68-4f19-4bab-95d0-6d842c620816_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for intangible assets other than goodwill [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for intangible assets other than goodwill [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember_49e69786-7a81-451f-826a-0f9e6877cbba_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase securities borrowing and similar agreements [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember_label_en-US" xlink:label="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase securities borrowing and similar agreements [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember_documentation_en-US" xlink:label="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase securities borrowing and similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:href="bbva-20221231.xsd#bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:to="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisposalsAndCapitalReductions_779ae487-e1fc-421f-be24-4d1547f48f0f_terseLabel_en-US" xlink:label="lab_bbva_DisposalsAndCapitalReductions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposals and capital reductions</link:label>
    <link:label id="lab_bbva_DisposalsAndCapitalReductions_label_en-US" xlink:label="lab_bbva_DisposalsAndCapitalReductions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposals and capital reductions</link:label>
    <link:label id="lab_bbva_DisposalsAndCapitalReductions_documentation_en-US" xlink:label="lab_bbva_DisposalsAndCapitalReductions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposals and capital reductions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisposalsAndCapitalReductions" xlink:href="bbva-20221231.xsd#bbva_DisposalsAndCapitalReductions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisposalsAndCapitalReductions" xlink:to="lab_bbva_DisposalsAndCapitalReductions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HoldingCompanyMember_249c916d-b4a4-42cd-b54b-2ac888112fdb_terseLabel_en-US" xlink:label="lab_bbva_HoldingCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Holding company [Member]</link:label>
    <link:label id="lab_bbva_HoldingCompanyMember_label_en-US" xlink:label="lab_bbva_HoldingCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Holding company [Member]</link:label>
    <link:label id="lab_bbva_HoldingCompanyMember_documentation_en-US" xlink:label="lab_bbva_HoldingCompanyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Holding company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HoldingCompanyMember" xlink:href="bbva-20221231.xsd#bbva_HoldingCompanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HoldingCompanyMember" xlink:to="lab_bbva_HoldingCompanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_MXN_80d57358-aaa9-47f2-add1-f591d9f64505_terseLabel_en-US" xlink:label="lab_currency_MXN" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mexico, Pesos</link:label>
    <link:label id="lab_currency_MXN_label_en-US" xlink:label="lab_currency_MXN" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mexico, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_MXN" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_MXN"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_MXN" xlink:to="lab_currency_MXN" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditSpread_2f8e53b0-17d9-4b9a-a65e-5a02fa651f45_terseLabel_en-US" xlink:label="lab_bbva_CreditSpread" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit spread</link:label>
    <link:label id="lab_bbva_CreditSpread_label_en-US" xlink:label="lab_bbva_CreditSpread" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit spread</link:label>
    <link:label id="lab_bbva_CreditSpread_documentation_en-US" xlink:label="lab_bbva_CreditSpread" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit spread</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditSpread" xlink:href="bbva-20221231.xsd#bbva_CreditSpread"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditSpread" xlink:to="lab_bbva_CreditSpread" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAndInsuranceActivitiesMember_d8c50d26-0693-48b0-82be-4cf505d4c434_terseLabel_en-US" xlink:label="lab_bbva_FinancialAndInsuranceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial and insurance activities [Member]</link:label>
    <link:label id="lab_bbva_FinancialAndInsuranceActivitiesMember_label_en-US" xlink:label="lab_bbva_FinancialAndInsuranceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial and insurance activities [Member]</link:label>
    <link:label id="lab_bbva_FinancialAndInsuranceActivitiesMember_documentation_en-US" xlink:label="lab_bbva_FinancialAndInsuranceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial and insurance activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAndInsuranceActivitiesMember" xlink:href="bbva-20221231.xsd#bbva_FinancialAndInsuranceActivitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAndInsuranceActivitiesMember" xlink:to="lab_bbva_FinancialAndInsuranceActivitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets_d55f1dcf-a6e4-4896-bf28-253828ebdeb1_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Tangible Assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Tangible Assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Tangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock_9d2c29eb-cec9-428a-9c37-6eeb48824b0a_terseLabel_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position of the group [Table Text Block]</link:label>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock_label_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position of the group [Table Text Block]</link:label>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock_documentation_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position of the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" xlink:to="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOfTheGroupTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfDividendIncomeTextBlock_ef9e40c2-aba9-4454-b4f1-4edbc97f39a4_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfDividendIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of dividend income [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfDividendIncomeTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfDividendIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of dividend income [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfDividendIncomeTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfDividendIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of dividend income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfDividendIncomeTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfDividendIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfDividendIncomeTextBlock" xlink:to="lab_bbva_DisclosureOfDividendIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading_75fc83cf-70f7-4e96-9be4-5271d847699b_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks held for trading</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks held for trading</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesToCentralBanksHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:to="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_c6bdbdbf-1223-445d-972b-4b6f45b3de31_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByDetailDomain_d39761b5-5a47-4d97-82d4-81a38e235837_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesBreakdownByDetailDomain" xlink:to="lab_bbva_HedgingDerivativesBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_cb2beeef-9408-4fc1-8616-6005a7e5c3f4_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, assets</link:label>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:to="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_4424b0b5-920e-453d-becb-6da1a39bd944_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from changes in foreign exchange rates, net defined benefit liability (asset)</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from changes in foreign exchange rates, net defined benefit liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersFromStage1ToStage2_8d41270b-7a0c-41fb-915a-32bf62a5482c_terseLabel_en-US" xlink:label="lab_bbva_TransfersFromStage1ToStage2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers from stage 1 to stage 2</link:label>
    <link:label id="lab_bbva_TransfersFromStage1ToStage2_label_en-US" xlink:label="lab_bbva_TransfersFromStage1ToStage2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers from stage 1 to stage 2</link:label>
    <link:label id="lab_bbva_TransfersFromStage1ToStage2_documentation_en-US" xlink:label="lab_bbva_TransfersFromStage1ToStage2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers from stage 1 to stage 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersFromStage1ToStage2" xlink:href="bbva-20221231.xsd#bbva_TransfersFromStage1ToStage2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersFromStage1ToStage2" xlink:to="lab_bbva_TransfersFromStage1ToStage2" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciableAssetsDomain_d8fc3736-175f-4255-82f7-183fc5657b7a_terseLabel_en-US" xlink:label="lab_bbva_DepreciableAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciable assets [Domain]</link:label>
    <link:label id="lab_bbva_DepreciableAssetsDomain_label_en-US" xlink:label="lab_bbva_DepreciableAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciable assets [Domain]</link:label>
    <link:label id="lab_bbva_DepreciableAssetsDomain_documentation_en-US" xlink:label="lab_bbva_DepreciableAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciableAssetsDomain" xlink:href="bbva-20221231.xsd#bbva_DepreciableAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciableAssetsDomain" xlink:to="lab_bbva_DepreciableAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock_2f539754-2386-4041-95b8-8da353be5fed_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for provisions [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for provisions [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForProvisionsPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForProvisionsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForProvisionsPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForProvisionsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherNonControllingInterestItems_06ea1d8d-4429-4be2-aca6-fbabafc2b949_terseLabel_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non controlling interest items</link:label>
    <link:label id="lab_bbva_OtherNonControllingInterestItems_label_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non controlling interest items</link:label>
    <link:label id="lab_bbva_OtherNonControllingInterestItems_documentation_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non controlling interest items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonControllingInterestItems" xlink:href="bbva-20221231.xsd#bbva_OtherNonControllingInterestItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherNonControllingInterestItems" xlink:to="lab_bbva_OtherNonControllingInterestItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable_84751d1c-3a84-439f-a0b1-12da28c2b74b_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers [Table]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers [Table]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" xlink:to="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MathematicalReservesTableTextBlock_3f9a90bf-bd15-41d4-894a-e79c11936871_terseLabel_en-US" xlink:label="lab_bbva_MathematicalReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Table Text Block]</link:label>
    <link:label id="lab_bbva_MathematicalReservesTableTextBlock_label_en-US" xlink:label="lab_bbva_MathematicalReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Table Text Block]</link:label>
    <link:label id="lab_bbva_MathematicalReservesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MathematicalReservesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_MathematicalReservesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MathematicalReservesTableTextBlock" xlink:to="lab_bbva_MathematicalReservesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubordinatedCertificates_92be7496-8842-4ddd-8f03-b1d1a66ae068_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedCertificates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated certificates</link:label>
    <link:label id="lab_bbva_SubordinatedCertificates_label_en-US" xlink:label="lab_bbva_SubordinatedCertificates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated certificates</link:label>
    <link:label id="lab_bbva_SubordinatedCertificates_documentation_en-US" xlink:label="lab_bbva_SubordinatedCertificates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedCertificates" xlink:href="bbva-20221231.xsd#bbva_SubordinatedCertificates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubordinatedCertificates" xlink:to="lab_bbva_SubordinatedCertificates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GranJorgeJuanSAMember_634bf1c5-bb77-4573-bfab-29a853358cb1_terseLabel_en-US" xlink:label="lab_bbva_GranJorgeJuanSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gran Jorge Juan SA [Member]</link:label>
    <link:label id="lab_bbva_GranJorgeJuanSAMember_label_en-US" xlink:label="lab_bbva_GranJorgeJuanSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gran Jorge Juan SA [Member]</link:label>
    <link:label id="lab_bbva_GranJorgeJuanSAMember_documentation_en-US" xlink:label="lab_bbva_GranJorgeJuanSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gran Jorge Juan SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GranJorgeJuanSAMember" xlink:href="bbva-20221231.xsd#bbva_GranJorgeJuanSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GranJorgeJuanSAMember" xlink:to="lab_bbva_GranJorgeJuanSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments_e3ceb352-7196-4f22-9686-493ad4403b09_terseLabel_en-US" xlink:label="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period or maturity of other issued equity instruments</link:label>
    <link:label id="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments_label_en-US" xlink:label="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period or maturity of other issued equity instruments</link:label>
    <link:label id="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments_documentation_en-US" xlink:label="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period or maturity of other issued equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:href="bbva-20221231.xsd#bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:to="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems_4da1b13c-bdd1-4925-81c3-c4790b560844_terseLabel_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems_label_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems_documentation_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:href="bbva-20221231.xsd#bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:to="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ManufacturingMember_52d8c43c-bd6c-4b3e-a058-740fa3605f5c_terseLabel_en-US" xlink:label="lab_bbva_ManufacturingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Manufacturing [Member]</link:label>
    <link:label id="lab_bbva_ManufacturingMember_label_en-US" xlink:label="lab_bbva_ManufacturingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Manufacturing [Member]</link:label>
    <link:label id="lab_bbva_ManufacturingMember_documentation_en-US" xlink:label="lab_bbva_ManufacturingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Manufacturing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ManufacturingMember" xlink:href="bbva-20221231.xsd#bbva_ManufacturingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ManufacturingMember" xlink:to="lab_bbva_ManufacturingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksTableTextBlock_f0cc1de5-db24-4b26-884f-485356ee0e28_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksTableTextBlock_label_en-US" xlink:label="lab_bbva_DepositsFromBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksTableTextBlock" xlink:to="lab_bbva_DepositsFromBanksTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems_92555929-0ceb-4474-bc7e-b80e4177cddb_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:to="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember_62af9110-4822-4642-abc8-58e402f73e80_terseLabel_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loan commitments and financial guarantees [Member]</link:label>
    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember_label_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loan commitments and financial guarantees [Member]</link:label>
    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember_documentation_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loan commitments and financial guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:href="bbva-20221231.xsd#bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:to="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CentralBanksMember_a906c45b-9f97-4903-a3b4-e49ea2423138_terseLabel_en-US" xlink:label="lab_bbva_CentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Central banks [Member]</link:label>
    <link:label id="lab_bbva_CentralBanksMember_label_en-US" xlink:label="lab_bbva_CentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Central banks [Member]</link:label>
    <link:label id="lab_bbva_CentralBanksMember_documentation_en-US" xlink:label="lab_bbva_CentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CentralBanksMember" xlink:href="bbva-20221231.xsd#bbva_CentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CentralBanksMember" xlink:to="lab_bbva_CentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash_b00a14f0-8d82-4ba7-8141-772f6ff3df8b_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration senior management in cash</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration senior management in cash</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration senior management in cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:href="bbva-20221231.xsd#bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIntangibleAssetsAxis_2f818265-044a-4a54-a524-5b71c96cb8f4_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Axis]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsAxis_label_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Axis]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsAxis_documentation_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsAxis" xlink:href="bbva-20221231.xsd#bbva_OtherIntangibleAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIntangibleAssetsAxis" xlink:to="lab_bbva_OtherIntangibleAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignCompanySharesMember_77d905b9-0353-407c-ab15-cb03434e946f_terseLabel_en-US" xlink:label="lab_bbva_ForeignCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign company shares [Member]</link:label>
    <link:label id="lab_bbva_ForeignCompanySharesMember_label_en-US" xlink:label="lab_bbva_ForeignCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign company shares [Member]</link:label>
    <link:label id="lab_bbva_ForeignCompanySharesMember_documentation_en-US" xlink:label="lab_bbva_ForeignCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign company shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignCompanySharesMember" xlink:href="bbva-20221231.xsd#bbva_ForeignCompanySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignCompanySharesMember" xlink:to="lab_bbva_ForeignCompanySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubsequentEventsAbstract_label_en-US" xlink:label="lab_bbva_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subsequent events [Abstract]</link:label>
    <link:label id="lab_bbva_SubsequentEventsAbstract_documentation_en-US" xlink:label="lab_bbva_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subsequent events [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubsequentEventsAbstract" xlink:href="bbva-20221231.xsd#bbva_SubsequentEventsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubsequentEventsAbstract" xlink:to="lab_bbva_SubsequentEventsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccruedDepreciation_76783d14-92f6-4d90-93e8-808920de43b1_periodStartLabel_en-US" xlink:label="lab_bbva_AccruedDepreciation" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued depreciation</link:label>
    <link:label id="lab_bbva_AccruedDepreciation_ec96f1ec-02e0-440c-b33d-8637b2090ffa_periodEndLabel_en-US" xlink:label="lab_bbva_AccruedDepreciation" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued depreciation</link:label>
    <link:label id="lab_bbva_AccruedDepreciation_label_en-US" xlink:label="lab_bbva_AccruedDepreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued depreciation</link:label>
    <link:label id="lab_bbva_AccruedDepreciation_documentation_en-US" xlink:label="lab_bbva_AccruedDepreciation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccruedDepreciation" xlink:href="bbva-20221231.xsd#bbva_AccruedDepreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccruedDepreciation" xlink:to="lab_bbva_AccruedDepreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NatureOfTheTransactionsLineItems_96c75e00-fc99-4aa5-8b3b-40b5bdc089ac_terseLabel_en-US" xlink:label="lab_bbva_NatureOfTheTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nature of the transactions [Line Items]</link:label>
    <link:label id="lab_bbva_NatureOfTheTransactionsLineItems_label_en-US" xlink:label="lab_bbva_NatureOfTheTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nature of the transactions [Line Items]</link:label>
    <link:label id="lab_bbva_NatureOfTheTransactionsLineItems_documentation_en-US" xlink:label="lab_bbva_NatureOfTheTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nature of the transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NatureOfTheTransactionsLineItems" xlink:href="bbva-20221231.xsd#bbva_NatureOfTheTransactionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NatureOfTheTransactionsLineItems" xlink:to="lab_bbva_NatureOfTheTransactionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A194To1061Member_41adeee9-9861-44d8-bf5d-b5fff28cd31f_terseLabel_en-US" xlink:label="lab_bbva_A194To1061Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">194 to 1061 [Member]</link:label>
    <link:label id="lab_bbva_A194To1061Member_label_en-US" xlink:label="lab_bbva_A194To1061Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">194 to 1061 [Member]</link:label>
    <link:label id="lab_bbva_A194To1061Member_documentation_en-US" xlink:label="lab_bbva_A194To1061Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">194 to 1061</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A194To1061Member" xlink:href="bbva-20221231.xsd#bbva_A194To1061Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A194To1061Member" xlink:to="lab_bbva_A194To1061Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PurchaseOfTreasurySharesMember_98d90280-2565-4288-a663-4fc7979bdc22_terseLabel_en-US" xlink:label="lab_bbva_PurchaseOfTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of treasury shares [Member]</link:label>
    <link:label id="lab_bbva_PurchaseOfTreasurySharesMember_label_en-US" xlink:label="lab_bbva_PurchaseOfTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of treasury shares [Member]</link:label>
    <link:label id="lab_bbva_PurchaseOfTreasurySharesMember_documentation_en-US" xlink:label="lab_bbva_PurchaseOfTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PurchaseOfTreasurySharesMember" xlink:href="bbva-20221231.xsd#bbva_PurchaseOfTreasurySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PurchaseOfTreasurySharesMember" xlink:to="lab_bbva_PurchaseOfTreasurySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentMember_a6c14c7d-6b08-4d14-bac3-942b0cbe7fba_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, plant and equipment [member]</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentMember_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, plant and equipment [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PropertyPlantAndEquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentMember" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent_5baca2d2-1784-49a4-8435-10820124990f_terseLabel_en-US" xlink:label="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Matching liabilities contingent liabilities or securities lent</link:label>
    <link:label id="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent_label_en-US" xlink:label="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Matching liabilities contingent liabilities or securities lent</link:label>
    <link:label id="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent_documentation_en-US" xlink:label="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Matching liabilities contingent liabilities or securities lent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:href="bbva-20221231.xsd#bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:to="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsAndLiabilitiesLineItems_71df7bd6-23c0-4aa9-82cd-4cb51029c301_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets [Line Items]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesLineItems" xlink:href="bbva-20221231.xsd#bbva_AssetsAndLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsAndLiabilitiesLineItems" xlink:to="lab_bbva_AssetsAndLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRMaxInTheYearMember_ce8a71bc-447a-445b-b943-78169c74c46c_terseLabel_en-US" xlink:label="lab_bbva_VaRMaxInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR max in the year [Member]</link:label>
    <link:label id="lab_bbva_VaRMaxInTheYearMember_label_en-US" xlink:label="lab_bbva_VaRMaxInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR max in the year [Member]</link:label>
    <link:label id="lab_bbva_VaRMaxInTheYearMember_documentation_en-US" xlink:label="lab_bbva_VaRMaxInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR max in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRMaxInTheYearMember" xlink:href="bbva-20221231.xsd#bbva_VaRMaxInTheYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRMaxInTheYearMember" xlink:to="lab_bbva_VaRMaxInTheYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock_dda28b97-3889-4b90-b92f-f546893f03b2_terseLabel_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary [Table Text Block]</link:label>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock_label_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary [Table Text Block]</link:label>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock_documentation_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" xlink:to="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_aba543b7-b194-4090-bf28-3372ee87dcf2_terseLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation, at present value</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_951a99d1-4966-4b40-b4eb-d47b08b1c519_periodStartLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation, at present value</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_464f1a88-78dd-4d26-9a6c-04b9b59e086d_periodEndLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation, at present value</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_label_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation, at present value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DefinedBenefitObligationAtPresentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:to="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesLineItems_a7d3b5d8-404b-4c02-8099-70330edb948a_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsAndLiabilitiesLineItems"/>
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    <link:label id="lab_bbva_RalGalambaDeOliveiraMember_449aa050-2234-4a05-9966-df92643416d2_terseLabel_en-US" xlink:label="lab_bbva_RalGalambaDeOliveiraMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ra&#250;l Galamba de Oliveira [Member]</link:label>
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    <link:label id="lab_bbva_DerivativesAndSecuritiesDomain_label_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives and securities [Domain]</link:label>
    <link:label id="lab_bbva_DerivativesAndSecuritiesDomain_documentation_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives and securities</link:label>
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    <link:label id="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss_4568013a-e12b-4071-a5c6-fd4d663e321d_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense on financial liabilities designated at fair value through profit or loss</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PlanAssetsMember" xlink:to="lab_ifrs-full_PlanAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember_57985e50-d02b-401d-9b6f-893292ecdc13_terseLabel_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash or cash equivalents plan assets breakdown [Member]</link:label>
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    <link:label id="lab_dei_EntityInteractiveDataCurrent_0e5f2d68-5207-4c14-9268-4c95b99e946b_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Interactive Data Current</link:label>
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    <link:label id="lab_bbva_SecuredTaxAssetsLineItems_7d9e34cc-8edd-450b-aec3-96a14121d0a9_terseLabel_en-US" xlink:label="lab_bbva_SecuredTaxAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets [Line Items]</link:label>
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    <link:label id="lab_bbva_SecuredTaxAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_SecuredTaxAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredTaxAssetsLineItems" xlink:href="bbva-20221231.xsd#bbva_SecuredTaxAssetsLineItems"/>
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    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_bd6d7439-9586-485c-92c8-81741e8a5a43_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employee benefits expense</link:label>
    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_8c9dcf93-ac47-44b8-9587-db27d27e64b2_terseLabel_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employee benefits expense</link:label>
    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_label_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employee benefits expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EmployeeBenefitsExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EmployeeBenefitsExpense"/>
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    <link:label id="lab_bbva_NationalCompanySharesMember_e7527d12-941b-43de-acfa-2147f282d726_terseLabel_en-US" xlink:label="lab_bbva_NationalCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">National company shares [Member]</link:label>
    <link:label id="lab_bbva_NationalCompanySharesMember_label_en-US" xlink:label="lab_bbva_NationalCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">National company shares [Member]</link:label>
    <link:label id="lab_bbva_NationalCompanySharesMember_documentation_en-US" xlink:label="lab_bbva_NationalCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">National company shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NationalCompanySharesMember" xlink:href="bbva-20221231.xsd#bbva_NationalCompanySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NationalCompanySharesMember" xlink:to="lab_bbva_NationalCompanySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock_49f5c9e7-23bf-4563-b2ce-c8f62bc4645b_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained Earnings And Other Reserves [Table Text Block]</link:label>
    <link:label id="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock_label_en-US" xlink:label="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained Earnings And Other Reserves [Table Text Block]</link:label>
    <link:label id="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained Earnings And Other Reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_RetainedEarningsAndOtherReservesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:to="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent_5700304b-e226-4927-b5dc-0651c6cd639d_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive income, attributable to owners of parent</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent_label_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive income, attributable to owners of parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:to="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_BusinessContactMember_cef69a8a-948a-43ca-a1f3-2fcf722c1e93_terseLabel_en-US" xlink:label="lab_dei_BusinessContactMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Business Contact [Member]</link:label>
    <link:label id="lab_dei_BusinessContactMember_label_en-US" xlink:label="lab_dei_BusinessContactMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Business Contact [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_BusinessContactMember" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_BusinessContactMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_BusinessContactMember" xlink:to="lab_dei_BusinessContactMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarketsTable_df27f4ac-b579-4d6b-bc5c-c96e88e8c95d_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets [Table]</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarketsTable_label_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets [Table]</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarketsTable_documentation_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarketsTable" xlink:href="bbva-20221231.xsd#bbva_InvestmentInListedMarketsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentInListedMarketsTable" xlink:to="lab_bbva_InvestmentInListedMarketsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OperationsByConceptLineItems_99018a8e-daa4-4824-a6d1-56a051e2a81f_terseLabel_en-US" xlink:label="lab_bbva_OperationsByConceptLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operations by concept [Line Items]</link:label>
    <link:label id="lab_bbva_OperationsByConceptLineItems_label_en-US" xlink:label="lab_bbva_OperationsByConceptLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operations by concept [Line Items]</link:label>
    <link:label id="lab_bbva_OperationsByConceptLineItems_documentation_en-US" xlink:label="lab_bbva_OperationsByConceptLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operations by concept</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OperationsByConceptLineItems" xlink:href="bbva-20221231.xsd#bbva_OperationsByConceptLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OperationsByConceptLineItems" xlink:to="lab_bbva_OperationsByConceptLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetIncomeArisingFromInsuranceContracts_432538cf-08a3-41b5-92ef-4adefe753f06_terseLabel_en-US" xlink:label="lab_bbva_NetIncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net income arising from insurance contracts</link:label>
    <link:label id="lab_bbva_NetIncomeArisingFromInsuranceContracts_label_en-US" xlink:label="lab_bbva_NetIncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net income arising from insurance contracts</link:label>
    <link:label id="lab_bbva_NetIncomeArisingFromInsuranceContracts_documentation_en-US" xlink:label="lab_bbva_NetIncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net income arising from insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetIncomeArisingFromInsuranceContracts" xlink:href="bbva-20221231.xsd#bbva_NetIncomeArisingFromInsuranceContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetIncomeArisingFromInsuranceContracts" xlink:to="lab_bbva_NetIncomeArisingFromInsuranceContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_83f91c64-c057-4b51-a3cd-4b9a861f4f57_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems_794d26fb-8a14-46b4-85db-db2864415623_terseLabel_en-US" xlink:label="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes over the year for provisions for pensions and similar obligation [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems_label_en-US" xlink:label="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes over the year for provisions for pensions and similar obligation [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems_documentation_en-US" xlink:label="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes over the year for provisions for pensions and similar obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:href="bbva-20221231.xsd#bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:to="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MathematicalReservesAxis_4ae6ab86-4511-459a-83ae-6dcf3b98ddbf_terseLabel_en-US" xlink:label="lab_bbva_MathematicalReservesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Axis]</link:label>
    <link:label id="lab_bbva_MathematicalReservesAxis_label_en-US" xlink:label="lab_bbva_MathematicalReservesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Axis]</link:label>
    <link:label id="lab_bbva_MathematicalReservesAxis_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MathematicalReservesAxis" xlink:href="bbva-20221231.xsd#bbva_MathematicalReservesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MathematicalReservesAxis" xlink:to="lab_bbva_MathematicalReservesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis_2471c77f-a69e-4480-97a5-5dcbf9091aab_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers [Axis]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers [Axis]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:to="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_3c011614-3402-4f5c-87fc-bb2ab4f7a04c_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than five years and not later than ten years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than five years and not later than ten years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:to="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseForInsuranceActivity_228291d2-6959-46fc-9ae3-64d126261927_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Insurance Activity</link:label>
    <link:label id="lab_bbva_InterestExpenseForInsuranceActivity_label_en-US" xlink:label="lab_bbva_InterestExpenseForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Insurance Activity</link:label>
    <link:label id="lab_bbva_InterestExpenseForInsuranceActivity_documentation_en-US" xlink:label="lab_bbva_InterestExpenseForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Insurance Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseForInsuranceActivity" xlink:href="bbva-20221231.xsd#bbva_InterestExpenseForInsuranceActivity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseForInsuranceActivity" xlink:to="lab_bbva_InterestExpenseForInsuranceActivity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RatingAxis_7cd9731a-6ed0-4ca0-b814-dabfe9102108_terseLabel_en-US" xlink:label="lab_bbva_RatingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rating [Axis]</link:label>
    <link:label id="lab_bbva_RatingAxis_label_en-US" xlink:label="lab_bbva_RatingAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rating [Axis]</link:label>
    <link:label id="lab_bbva_RatingAxis_documentation_en-US" xlink:label="lab_bbva_RatingAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RatingAxis" xlink:href="bbva-20221231.xsd#bbva_RatingAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RatingAxis" xlink:to="lab_bbva_RatingAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SourcesOfEncumbranceTableTextBlock_6f00b3e6-0440-4db4-aeb3-f719128e232c_terseLabel_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sources of encumbrance [Table Text Block]</link:label>
    <link:label id="lab_bbva_SourcesOfEncumbranceTableTextBlock_label_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sources of encumbrance [Table Text Block]</link:label>
    <link:label id="lab_bbva_SourcesOfEncumbranceTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SourcesOfEncumbranceTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SourcesOfEncumbranceTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SourcesOfEncumbranceTableTextBlock" xlink:to="lab_bbva_SourcesOfEncumbranceTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesMember_a2ad4ed5-5842-4f8d-a920-ea054d8e9bbd_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Member]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesMember_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Member]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesMember" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesMember" xlink:to="lab_bbva_OtherFinancialLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember_bc5821f7-8f3e-49e3-bc2c-bae155924014_terseLabel_en-US" xlink:label="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rate of salary increase sensitivity analysis [Member]</link:label>
    <link:label id="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember_label_en-US" xlink:label="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rate of salary increase sensitivity analysis [Member]</link:label>
    <link:label id="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember_documentation_en-US" xlink:label="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rate of salary increase sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" xlink:href="bbva-20221231.xsd#bbva_RateOfSalaryIncreaseSensitivityAnalysisMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" xlink:to="lab_bbva_RateOfSalaryIncreaseSensitivityAnalysisMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAxis_fac49dbb-2918-41a0-a485-3d756ae36eb2_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting [Axis]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAxis_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting [Axis]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAxis_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingAxis" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccountingAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingAxis" xlink:to="lab_bbva_DerivativesHedgeAccountingAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources_d6fe2e05-d94d-45fc-a91b-e00af85d236e_terseLabel_en-US" xlink:label="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity not eligible at solvency level eligible capital resources</link:label>
    <link:label id="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity not eligible at solvency level eligible capital resources</link:label>
    <link:label id="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity not eligible at solvency level eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:to="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestOfTheWorldMember_6dacdfde-7d8e-45a8-952d-276f80b84fcc_terseLabel_en-US" xlink:label="lab_bbva_RestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of the world [Member]</link:label>
    <link:label id="lab_bbva_RestOfTheWorldMember_label_en-US" xlink:label="lab_bbva_RestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of the world [Member]</link:label>
    <link:label id="lab_bbva_RestOfTheWorldMember_documentation_en-US" xlink:label="lab_bbva_RestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of the world</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestOfTheWorldMember" xlink:href="bbva-20221231.xsd#bbva_RestOfTheWorldMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestOfTheWorldMember" xlink:to="lab_bbva_RestOfTheWorldMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherMember_b47a806d-7d81-4358-a5cd-65d5eec873a7_terseLabel_en-US" xlink:label="lab_bbva_OtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other [Member]</link:label>
    <link:label id="lab_bbva_OtherMember_label_en-US" xlink:label="lab_bbva_OtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other [Member]</link:label>
    <link:label id="lab_bbva_OtherMember_documentation_en-US" xlink:label="lab_bbva_OtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherMember" xlink:href="bbva-20221231.xsd#bbva_OtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherMember" xlink:to="lab_bbva_OtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfCounterpartyDomain_930f3a74-4d00-4d7b-ab8e-193f29d07737_terseLabel_en-US" xlink:label="lab_bbva_TypeOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of counterparty [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfCounterpartyDomain_label_en-US" xlink:label="lab_bbva_TypeOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of counterparty [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfCounterpartyDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of counterparty</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfCounterpartyDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfCounterpartyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfCounterpartyDomain" xlink:to="lab_bbva_TypeOfCounterpartyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_7f4e3308-72c7-4396-8d9f-c1ff0b6e0b7a_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts issued that are liabilities</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts issued that are liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InsuranceContractsIssuedThatAreLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:to="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract_041d30a4-c486-4099-8abe-63db368625d4_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Abstract]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Abstract]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtAmortisedCostAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LeaseReceivablesMember_68e189ac-7c1e-4d2b-99e9-5911024bd191_terseLabel_en-US" xlink:label="lab_ifrs-full_LeaseReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lease receivables [member]</link:label>
    <link:label id="lab_ifrs-full_LeaseReceivablesMember_label_en-US" xlink:label="lab_ifrs-full_LeaseReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lease receivables [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LeaseReceivablesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LeaseReceivablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LeaseReceivablesMember" xlink:to="lab_ifrs-full_LeaseReceivablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock_8d6b7759-8dbe-4bdf-abd5-c0759effaa7f_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Income and Expenses From Insurance and Reinsurance Contracts [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Income and Expenses From Insurance and Reinsurance Contracts [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Income and Expenses From Insurance and Reinsurance Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:to="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain_09def8ce-2dd2-4d4a-a465-14e9352734e6_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems_bad9159d-40b7-449c-b71e-7d5b51198a77_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities issued encumbered assets [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities issued encumbered assets [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities issued encumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:to="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsInCreditEntitiesMember_2f53adcd-d08a-4710-a98b-60d0defe43d8_terseLabel_en-US" xlink:label="lab_bbva_DepositsInCreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in credit entities [Member]</link:label>
    <link:label id="lab_bbva_DepositsInCreditEntitiesMember_label_en-US" xlink:label="lab_bbva_DepositsInCreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in credit entities [Member]</link:label>
    <link:label id="lab_bbva_DepositsInCreditEntitiesMember_documentation_en-US" xlink:label="lab_bbva_DepositsInCreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in credit entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsInCreditEntitiesMember" xlink:href="bbva-20221231.xsd#bbva_DepositsInCreditEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsInCreditEntitiesMember" xlink:to="lab_bbva_DepositsInCreditEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingBalancesAxis_51db9227-bb31-47fe-bd29-d1ba61024473_terseLabel_en-US" xlink:label="lab_bbva_AccountingBalancesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting balances [Axis]</link:label>
    <link:label id="lab_bbva_AccountingBalancesAxis_label_en-US" xlink:label="lab_bbva_AccountingBalancesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting balances [Axis]</link:label>
    <link:label id="lab_bbva_AccountingBalancesAxis_documentation_en-US" xlink:label="lab_bbva_AccountingBalancesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting balances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingBalancesAxis" xlink:href="bbva-20221231.xsd#bbva_AccountingBalancesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingBalancesAxis" xlink:to="lab_bbva_AccountingBalancesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_WeightedAverageNumberOfSharesOutstanding_f3e3ece8-caeb-4e1c-8b0f-5dda344958ad_terseLabel_en-US" xlink:label="lab_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted average number of shares outstanding</link:label>
    <link:label id="lab_bbva_WeightedAverageNumberOfSharesOutstanding_label_en-US" xlink:label="lab_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted average number of shares outstanding</link:label>
    <link:label id="lab_bbva_WeightedAverageNumberOfSharesOutstanding_documentation_en-US" xlink:label="lab_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted average number of shares outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:href="bbva-20221231.xsd#bbva_WeightedAverageNumberOfSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:to="lab_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherLiabilities_1078603f-a907-43be-b691-d909ef15cad3_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_ifrs-full_OtherLiabilities_label_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherLiabilities" xlink:to="lab_ifrs-full_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_8d36ae99-3d31-488d-8ac6-b7dd121dd597_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_6d39c867-0de7-4d1e-8bb5-4927cb663c88_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_aa2697b5-bc5e-4b22-973f-320f5975abfb_periodStartLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_901b925d-3326-40b7-aee1-651aac8612ed_periodEndLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:to="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestOtherAssets_7a5e594d-dae7-4a0f-bf8c-6beb0d055810_terseLabel_en-US" xlink:label="lab_bbva_RestOtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest other assets</link:label>
    <link:label id="lab_bbva_RestOtherAssets_label_en-US" xlink:label="lab_bbva_RestOtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest other assets</link:label>
    <link:label id="lab_bbva_RestOtherAssets_documentation_en-US" xlink:label="lab_bbva_RestOtherAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestOtherAssets" xlink:href="bbva-20221231.xsd#bbva_RestOtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestOtherAssets" xlink:to="lab_bbva_RestOtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain_d36090d7-f594-4ab2-b999-4701cf383f09_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Domain]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Domain]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems_3731c467-6368-4354-b80d-1b23a6dff2ac_terseLabel_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Exposure Classes of Financial Instruments [Line Items]</link:label>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems_label_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Exposure Classes of Financial Instruments [Line Items]</link:label>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems_documentation_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Exposure Classes of Financial Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:href="bbva-20221231.xsd#bbva_CreditExposureClassesOfFinancialInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:to="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonConvertibleBondsAndDebenturesMember_ef92b34e-dc47-4393-92b7-16406eb9e858_terseLabel_en-US" xlink:label="lab_bbva_NonConvertibleBondsAndDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non convertible bonds and debentures [Member]</link:label>
    <link:label id="lab_bbva_NonConvertibleBondsAndDebenturesMember_label_en-US" xlink:label="lab_bbva_NonConvertibleBondsAndDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non convertible bonds and debentures [Member]</link:label>
    <link:label id="lab_bbva_NonConvertibleBondsAndDebenturesMember_documentation_en-US" xlink:label="lab_bbva_NonConvertibleBondsAndDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non convertible bonds and debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonConvertibleBondsAndDebenturesMember" xlink:href="bbva-20221231.xsd#bbva_NonConvertibleBondsAndDebenturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonConvertibleBondsAndDebenturesMember" xlink:to="lab_bbva_NonConvertibleBondsAndDebenturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VegaCorrelationRiskMember_d8b5f641-3360-4959-ae8a-007ac7d6c267_terseLabel_en-US" xlink:label="lab_bbva_VegaCorrelationRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vega Correlation risk [Member]</link:label>
    <link:label id="lab_bbva_VegaCorrelationRiskMember_label_en-US" xlink:label="lab_bbva_VegaCorrelationRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vega Correlation risk [Member]</link:label>
    <link:label id="lab_bbva_VegaCorrelationRiskMember_documentation_en-US" xlink:label="lab_bbva_VegaCorrelationRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vega Correlation risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VegaCorrelationRiskMember" xlink:href="bbva-20221231.xsd#bbva_VegaCorrelationRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VegaCorrelationRiskMember" xlink:to="lab_bbva_VegaCorrelationRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAxis_e10efd44-67e9-472b-8ea7-480bb0ec2d22_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAxis_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtAmortisedCostAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:to="lab_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_7dc5dc06-530d-491f-b2aa-10303f87467c_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three years and not later than four years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three years and not later than four years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:to="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuedInForeignCurrencyMember_7bf54e85-b8f7-4322-a163-7fa44f9c67b0_terseLabel_en-US" xlink:label="lab_bbva_IssuedInForeignCurrencyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">issued in foreign currency [Member]</link:label>
    <link:label id="lab_bbva_IssuedInForeignCurrencyMember_label_en-US" xlink:label="lab_bbva_IssuedInForeignCurrencyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">issued in foreign currency [Member]</link:label>
    <link:label id="lab_bbva_IssuedInForeignCurrencyMember_documentation_en-US" xlink:label="lab_bbva_IssuedInForeignCurrencyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">issued in foreign currency</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedInForeignCurrencyMember" xlink:href="bbva-20221231.xsd#bbva_IssuedInForeignCurrencyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuedInForeignCurrencyMember" xlink:to="lab_bbva_IssuedInForeignCurrencyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IssuedCapitalMember_4988d19b-0237-4025-b66c-4fb40161a4e3_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued capital [member]</link:label>
    <link:label id="lab_ifrs-full_IssuedCapitalMember_label_en-US" xlink:label="lab_ifrs-full_IssuedCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued capital [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssuedCapitalMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IssuedCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssuedCapitalMember" xlink:to="lab_ifrs-full_IssuedCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Households_0f49538c-b845-4f99-9a7f-ffedf075d334_terseLabel_en-US" xlink:label="lab_bbva_Households" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Households</link:label>
    <link:label id="lab_bbva_Households_label_en-US" xlink:label="lab_bbva_Households" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Households</link:label>
    <link:label id="lab_bbva_Households_documentation_en-US" xlink:label="lab_bbva_Households" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Households</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Households" xlink:href="bbva-20221231.xsd#bbva_Households"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Households" xlink:to="lab_bbva_Households" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsAbstract_label_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions [Abstract]</link:label>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsAbstract_documentation_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsOrReversalOfProvisionsAbstract" xlink:href="bbva-20221231.xsd#bbva_ProvisionsOrReversalOfProvisionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsOrReversalOfProvisionsAbstract" xlink:to="lab_bbva_ProvisionsOrReversalOfProvisionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MajorCustomersMember_159b6ee2-d41f-48af-8707-fc9e152cd767_terseLabel_en-US" xlink:label="lab_ifrs-full_MajorCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customers [member]</link:label>
    <link:label id="lab_ifrs-full_MajorCustomersMember_label_en-US" xlink:label="lab_ifrs-full_MajorCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customers [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MajorCustomersMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_MajorCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MajorCustomersMember" xlink:to="lab_ifrs-full_MajorCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_WaterSupplyMember_c71bac0d-febf-431c-9f8b-53545a2777d7_terseLabel_en-US" xlink:label="lab_bbva_WaterSupplyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Water supply [Member]</link:label>
    <link:label id="lab_bbva_WaterSupplyMember_label_en-US" xlink:label="lab_bbva_WaterSupplyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Water supply [Member]</link:label>
    <link:label id="lab_bbva_WaterSupplyMember_documentation_en-US" xlink:label="lab_bbva_WaterSupplyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Water supply</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WaterSupplyMember" xlink:href="bbva-20221231.xsd#bbva_WaterSupplyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_WaterSupplyMember" xlink:to="lab_bbva_WaterSupplyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock_893d85b9-f3e2-430d-bcb9-af9b5bf6b592_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policies for intangible assets and goodwill [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for intangible assets and goodwill [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for intangible assets and goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems_0ac6c044-bae6-4034-98d8-ae4e68bfcf9b_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfProbabilityOfDefaultLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:to="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax_aa87dfab-51dc-414d-9740-646bdc64d2c5_terseLabel_en-US" xlink:label="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit of BBVA after the provision for income tax</link:label>
    <link:label id="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax_label_en-US" xlink:label="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit of BBVA after the provision for income tax</link:label>
    <link:label id="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax_documentation_en-US" xlink:label="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit of BBVA after the provision for income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:href="bbva-20221231.xsd#bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:to="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_2ea606c8-e583-454a-81a4-8cf07c7b0007_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss), attributable to owners of parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss), attributable to owners of parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossAttributableToOwnersOfParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:to="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified_c7b43102-3aa3-473d-8cb0-948226152aac_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets and disposal groups classified as held for sale may be reclassified</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets and disposal groups classified as held for sale may be reclassified</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets and disposal groups classified as held for sale may be reclassified</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BbvaGroupMember_2a923bca-0b57-4bda-8a6d-12ef9d9b9f19_terseLabel_en-US" xlink:label="lab_bbva_BbvaGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bbva group [Member]</link:label>
    <link:label id="lab_bbva_BbvaGroupMember_label_en-US" xlink:label="lab_bbva_BbvaGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bbva group [Member]</link:label>
    <link:label id="lab_bbva_BbvaGroupMember_documentation_en-US" xlink:label="lab_bbva_BbvaGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bbva group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BbvaGroupMember" xlink:href="bbva-20221231.xsd#bbva_BbvaGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BbvaGroupMember" xlink:to="lab_bbva_BbvaGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SunirKumarKapoorMember_9f8897b3-e4dd-46c6-be61-d038759c96d1_terseLabel_en-US" xlink:label="lab_bbva_SunirKumarKapoorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sunir Kumar Kapoor [Member]</link:label>
    <link:label id="lab_bbva_SunirKumarKapoorMember_label_en-US" xlink:label="lab_bbva_SunirKumarKapoorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sunir Kumar Kapoor [Member]</link:label>
    <link:label id="lab_bbva_SunirKumarKapoorMember_documentation_en-US" xlink:label="lab_bbva_SunirKumarKapoorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sunir Kumar Kapoor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SunirKumarKapoorMember" xlink:href="bbva-20221231.xsd#bbva_SunirKumarKapoorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SunirKumarKapoorMember" xlink:to="lab_bbva_SunirKumarKapoorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsTableTextBlock_78227949-3604-46e0-83a1-1918ecbff94b_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Table Text Block]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsTableTextBlock_label_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Table Text Block]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ExecutiveDirectorsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveDirectorsTableTextBlock" xlink:to="lab_bbva_ExecutiveDirectorsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock_f6d4d9ce-c34f-4712-a1ac-d0354616f773_terseLabel_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commitments and guarantees given [Table Text Block]</link:label>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock_label_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commitments and guarantees given [Table Text Block]</link:label>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock_documentation_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commitments and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_CommitmentsAndGuaranteesGivenTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:to="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BetaSignificantUnobservableInputs_2f7fcc9c-102f-4324-a59f-ed5dcfbed569_negatedTerseLabel_en-US" xlink:label="lab_bbva_BetaSignificantUnobservableInputs" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beta (significant unobservable inputs)</link:label>
    <link:label id="lab_bbva_BetaSignificantUnobservableInputs_label_en-US" xlink:label="lab_bbva_BetaSignificantUnobservableInputs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beta (significant unobservable inputs)</link:label>
    <link:label id="lab_bbva_BetaSignificantUnobservableInputs_documentation_en-US" xlink:label="lab_bbva_BetaSignificantUnobservableInputs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beta (significant unobservable inputs)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BetaSignificantUnobservableInputs" xlink:href="bbva-20221231.xsd#bbva_BetaSignificantUnobservableInputs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BetaSignificantUnobservableInputs" xlink:to="lab_bbva_BetaSignificantUnobservableInputs" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CollateralPledgesReceivedTableTextBlock_1a804b27-3233-434d-aa66-9b4d06b5a38d_terseLabel_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received [Table Text Block]</link:label>
    <link:label id="lab_bbva_CollateralPledgesReceivedTableTextBlock_label_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received [Table Text Block]</link:label>
    <link:label id="lab_bbva_CollateralPledgesReceivedTableTextBlock_documentation_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralPledgesReceivedTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_CollateralPledgesReceivedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CollateralPledgesReceivedTableTextBlock" xlink:to="lab_bbva_CollateralPledgesReceivedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DirectorsAxis_da9d3b79-455e-4067-b761-ce9790c90990_terseLabel_en-US" xlink:label="lab_bbva_DirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Directors [Axis]</link:label>
    <link:label id="lab_bbva_DirectorsAxis_label_en-US" xlink:label="lab_bbva_DirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Directors [Axis]</link:label>
    <link:label id="lab_bbva_DirectorsAxis_documentation_en-US" xlink:label="lab_bbva_DirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DirectorsAxis" xlink:href="bbva-20221231.xsd#bbva_DirectorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DirectorsAxis" xlink:to="lab_bbva_DirectorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IBORIndicesLineItems_a8270c3a-01d2-4b2b-9ba8-aedfcd3b8a49_terseLabel_en-US" xlink:label="lab_bbva_IBORIndicesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">IBOR Indices [Line Items]</link:label>
    <link:label id="lab_bbva_IBORIndicesLineItems_label_en-US" xlink:label="lab_bbva_IBORIndicesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">IBOR Indices [Line Items]</link:label>
    <link:label id="lab_bbva_IBORIndicesLineItems_documentation_en-US" xlink:label="lab_bbva_IBORIndicesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">IBOR Indices</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IBORIndicesLineItems" xlink:href="bbva-20221231.xsd#bbva_IBORIndicesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IBORIndicesLineItems" xlink:to="lab_bbva_IBORIndicesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember_3b4701a8-04b3-4e74-84db-a3b6732a8370_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember_label_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold risk hedge cash flow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:href="bbva-20221231.xsd#bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:to="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa_b7783ba4-8c0d-4fa6-8910-5c78063001de_terseLabel_en-US" xlink:label="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total cash and cash equivalents classified as non current assets and disposable groups classified as held for sale in usa</link:label>
    <link:label id="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa_label_en-US" xlink:label="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total cash and cash equivalents classified as non current assets and disposable groups classified as held for sale in usa</link:label>
    <link:label id="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa_documentation_en-US" xlink:label="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total cash and cash equivalents classified as non current assets and disposable groups classified as held for sale in usa</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" xlink:href="bbva-20221231.xsd#bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" xlink:to="lab_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherProvisionsOrReversalOfProvisions_1408a9ff-2ed2-4196-af85-0bd5cc8985c4_terseLabel_en-US" xlink:label="lab_bbva_OtherProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provisions</link:label>
    <link:label id="lab_bbva_OtherProvisionsOrReversalOfProvisions_label_en-US" xlink:label="lab_bbva_OtherProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Provisions or reversal of provisions</link:label>
    <link:label id="lab_bbva_OtherProvisionsOrReversalOfProvisions_documentation_en-US" xlink:label="lab_bbva_OtherProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherProvisionsOrReversalOfProvisions" xlink:href="bbva-20221231.xsd#bbva_OtherProvisionsOrReversalOfProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherProvisionsOrReversalOfProvisions" xlink:to="lab_bbva_OtherProvisionsOrReversalOfProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityDerivativesMember_55aa923d-0731-4d46-aeeb-6970e41444ac_terseLabel_en-US" xlink:label="lab_bbva_EquityDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity derivatives [Member]</link:label>
    <link:label id="lab_bbva_EquityDerivativesMember_label_en-US" xlink:label="lab_bbva_EquityDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity derivatives [Member]</link:label>
    <link:label id="lab_bbva_EquityDerivativesMember_documentation_en-US" xlink:label="lab_bbva_EquityDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityDerivativesMember" xlink:href="bbva-20221231.xsd#bbva_EquityDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityDerivativesMember" xlink:to="lab_bbva_EquityDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember_0343a77a-5737-46e6-87fd-591c5acb75d9_terseLabel_en-US" xlink:label="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves or accumulated losses of investments in joint ventures and associates [Member]</link:label>
    <link:label id="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember_label_en-US" xlink:label="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves or accumulated losses of investments in joint ventures and associates [Member]</link:label>
    <link:label id="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember_documentation_en-US" xlink:label="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves or accumulated losses of investments in joint ventures and associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:href="bbva-20221231.xsd#bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:to="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain_09e0d5d2-7a1e-44f0-accd-9eb0f8f99d9b_terseLabel_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral and financing with public guarantees [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain_label_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral and financing with public guarantees [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral and financing with public guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" xlink:to="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ContributionsByPlanParticipantsMember_0de9eb01-132e-4b50-8da0-300ede282251_terseLabel_en-US" xlink:label="lab_bbva_ContributionsByPlanParticipantsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions by plan participants [Member]</link:label>
    <link:label id="lab_bbva_ContributionsByPlanParticipantsMember_label_en-US" xlink:label="lab_bbva_ContributionsByPlanParticipantsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions by plan participants [Member]</link:label>
    <link:label id="lab_bbva_ContributionsByPlanParticipantsMember_documentation_en-US" xlink:label="lab_bbva_ContributionsByPlanParticipantsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions by plan participants</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionsByPlanParticipantsMember" xlink:href="bbva-20221231.xsd#bbva_ContributionsByPlanParticipantsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ContributionsByPlanParticipantsMember" xlink:to="lab_bbva_ContributionsByPlanParticipantsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember_b6730f00-6a7a-4072-8d34-0cca67e22e33_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to credit institutions [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to credit institutions [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to credit institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesToCreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:to="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_e11b4562-d043-4e0c-9b69-a41f463e7152_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubordinatedDeposits_9605e71e-cfd4-46b0-9327-c60ecb783390_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated deposits</link:label>
    <link:label id="lab_bbva_SubordinatedDeposits_label_en-US" xlink:label="lab_bbva_SubordinatedDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated deposits</link:label>
    <link:label id="lab_bbva_SubordinatedDeposits_documentation_en-US" xlink:label="lab_bbva_SubordinatedDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedDeposits" xlink:href="bbva-20221231.xsd#bbva_SubordinatedDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubordinatedDeposits" xlink:to="lab_bbva_SubordinatedDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FairValueHedgesMember_2c7add13-eb97-4154-8c5e-21a0a869e1e4_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value hedges [member]</link:label>
    <link:label id="lab_ifrs-full_FairValueHedgesMember_label_en-US" xlink:label="lab_ifrs-full_FairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value hedges [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FairValueHedgesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FairValueHedgesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FairValueHedgesMember" xlink:to="lab_ifrs-full_FairValueHedgesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis_3aec3503-749d-43f6-b8b4-1aa60c6122a2_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates breakdown by entities [Axis]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis_label_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates breakdown by entities [Axis]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis_documentation_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates breakdown by entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:href="bbva-20221231.xsd#bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:to="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashAndWithdrawableCentralBankReservesMember_068a4782-e396-4e2f-9783-3ad191413028_terseLabel_en-US" xlink:label="lab_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and withdrawable central bank reserves [Member]</link:label>
    <link:label id="lab_bbva_CashAndWithdrawableCentralBankReservesMember_label_en-US" xlink:label="lab_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and withdrawable central bank reserves [Member]</link:label>
    <link:label id="lab_bbva_CashAndWithdrawableCentralBankReservesMember_documentation_en-US" xlink:label="lab_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and withdrawable central bank reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:href="bbva-20221231.xsd#bbva_CashAndWithdrawableCentralBankReservesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:to="lab_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator_638f8301-0a29-42e4-8bef-2eea22d672d9_terseLabel_en-US" xlink:label="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assurance services and other required by the regulator</link:label>
    <link:label id="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator_label_en-US" xlink:label="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assurance services and other required by the regulator</link:label>
    <link:label id="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator_documentation_en-US" xlink:label="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assurance services and other required by the regulator</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:href="bbva-20221231.xsd#bbva_AssuranceServicesAndOtherRequiredByTheRegulator"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:to="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NumberOfClientsMember_3319e639-50e2-4c45-8a74-7d46be5784a3_terseLabel_en-US" xlink:label="lab_bbva_NumberOfClientsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of clients [Member]</link:label>
    <link:label id="lab_bbva_NumberOfClientsMember_label_en-US" xlink:label="lab_bbva_NumberOfClientsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of clients [Member]</link:label>
    <link:label id="lab_bbva_NumberOfClientsMember_documentation_en-US" xlink:label="lab_bbva_NumberOfClientsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of clients</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfClientsMember" xlink:href="bbva-20221231.xsd#bbva_NumberOfClientsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NumberOfClientsMember" xlink:to="lab_bbva_NumberOfClientsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable_80d30820-efdd-4364-8e8b-1286e703404c_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value by levels [Table]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value by levels [Table]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueByLevelsTable"/>
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    <link:label id="lab_bbva_PostEmploymentCommitmentsTable_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments [Table]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsTable_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments</link:label>
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    <link:label id="lab_bbva_CommoditiesRiskHedgeCashFlowMember_label_en-US" xlink:label="lab_bbva_CommoditiesRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_CommoditiesRiskHedgeCashFlowMember_documentation_en-US" xlink:label="lab_bbva_CommoditiesRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities risk hedge cash flow</link:label>
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    <link:label id="lab_bbva_TreasuryStockLineItems_label_en-US" xlink:label="lab_bbva_TreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury stock [Line Items]</link:label>
    <link:label id="lab_bbva_TreasuryStockLineItems_documentation_en-US" xlink:label="lab_bbva_TreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury stock</link:label>
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    <link:label id="lab_bbva_CashOrCashEquivalentsInListedMarketsMember_ee9a1e6d-6fb6-40f5-b1b1-ad231655e837_terseLabel_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash or cash equivalents in listed markets [Member]</link:label>
    <link:label id="lab_bbva_CashOrCashEquivalentsInListedMarketsMember_label_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash or cash equivalents in listed markets [Member]</link:label>
    <link:label id="lab_bbva_CashOrCashEquivalentsInListedMarketsMember_documentation_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash or cash equivalents in listed markets</link:label>
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    <link:label id="lab_bbva_InterestSpreadRiskMember_bb89380c-e045-4db6-a53d-32a4d8a63c52_terseLabel_en-US" xlink:label="lab_bbva_InterestSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest spread risk [Member]</link:label>
    <link:label id="lab_bbva_InterestSpreadRiskMember_label_en-US" xlink:label="lab_bbva_InterestSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest spread risk [Member]</link:label>
    <link:label id="lab_bbva_InterestSpreadRiskMember_documentation_en-US" xlink:label="lab_bbva_InterestSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest spread risk</link:label>
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    <link:label id="lab_ifrs-full_NoncontrollingInterestsMember_f2ca00db-1214-48ed-ad74-2cc347161877_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-controlling interests [member]</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterestsMember_label_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-controlling interests [member]</link:label>
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    <link:label id="lab_bbva_TransfersOtherMovementsAndExchageDifferences_590e8643-db00-4267-9e6d-e29285c8e2b0_terseLabel_en-US" xlink:label="lab_bbva_TransfersOtherMovementsAndExchageDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers other movements and exchage differences</link:label>
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    <link:label id="lab_bbva_TransfersOtherMovementsAndExchageDifferences_documentation_en-US" xlink:label="lab_bbva_TransfersOtherMovementsAndExchageDifferences" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers other movements and exchage differences</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersOtherMovementsAndExchageDifferences" xlink:href="bbva-20221231.xsd#bbva_TransfersOtherMovementsAndExchageDifferences"/>
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    <link:label id="lab_bbva_ExecutiveDirectorsFundsAccumulated_c6e2b8e9-596a-466b-bb93-8fc0cda441e5_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsFundsAccumulated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors funds accumulated</link:label>
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    <link:label id="lab_bbva_ExecutiveDirectorsFundsAccumulated_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsFundsAccumulated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors funds accumulated</link:label>
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    <link:label id="lab_bbva_LCRMainLMUTableTextBlock_a312b16e-2046-4989-bf81-f954c77f4190_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Table Text Block]</link:label>
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    <link:label id="lab_ifrs-full_InvestmentsInJointVentures_58a0c164-2336-4ad0-a988-c4c226def7dc_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInJointVentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in joint ventures</link:label>
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    <link:label id="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock_c7494b3d-bd49-4848-9732-8812d5ec1b87_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation of taxation at the Spanis corporation tax rate to the tax expense recorded for the year [Table Text Block]</link:label>
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    <link:label id="lab_ifrs-full_InvestmentPropertyMember_e33e5f3d-6b94-473b-ad3a-3095d4142b9c_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment property [member]</link:label>
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    <link:label id="lab_bbva_DisposalOfEntitiesInTheYearMember_fba83b1a-f0a3-4a6a-9066-e1c2d3ebf835_terseLabel_en-US" xlink:label="lab_bbva_DisposalOfEntitiesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal of entities in the year [Member]</link:label>
    <link:label id="lab_bbva_DisposalOfEntitiesInTheYearMember_label_en-US" xlink:label="lab_bbva_DisposalOfEntitiesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal of entities in the year [Member]</link:label>
    <link:label id="lab_bbva_DisposalOfEntitiesInTheYearMember_documentation_en-US" xlink:label="lab_bbva_DisposalOfEntitiesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal of entities in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisposalOfEntitiesInTheYearMember" xlink:href="bbva-20221231.xsd#bbva_DisposalOfEntitiesInTheYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisposalOfEntitiesInTheYearMember" xlink:to="lab_bbva_DisposalOfEntitiesInTheYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember_e6ceb741-2779-4fe5-87bc-1e8d0fb1aa4d_terseLabel_en-US" xlink:label="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sales and other changes of treasury shares [Member]</link:label>
    <link:label id="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember_label_en-US" xlink:label="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sales and other changes of treasury shares [Member]</link:label>
    <link:label id="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember_documentation_en-US" xlink:label="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sales and other changes of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SalesAndOtherChangesOfTreasurySharesMember" xlink:href="bbva-20221231.xsd#bbva_SalesAndOtherChangesOfTreasurySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SalesAndOtherChangesOfTreasurySharesMember" xlink:to="lab_bbva_SalesAndOtherChangesOfTreasurySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTable_1da4b91c-afea-4eb9-b037-9ca0f838b87f_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Table]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTable_label_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Table]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTable_documentation_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsTable" xlink:href="bbva-20221231.xsd#bbva_MaturityOfFuturePaymentObligationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfFuturePaymentObligationsTable" xlink:to="lab_bbva_MaturityOfFuturePaymentObligationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CollateralPledgesReceivedLineItems_ff37e6d0-e903-4a5b-b07c-9a2c9ab0593b_terseLabel_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received [Line Items]</link:label>
    <link:label id="lab_bbva_CollateralPledgesReceivedLineItems_label_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received [Line Items]</link:label>
    <link:label id="lab_bbva_CollateralPledgesReceivedLineItems_documentation_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralPledgesReceivedLineItems" xlink:href="bbva-20221231.xsd#bbva_CollateralPledgesReceivedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CollateralPledgesReceivedLineItems" xlink:to="lab_bbva_CollateralPledgesReceivedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityAxis_3c53a5a0-04e2-4e40-b5a4-1856f60bb090_terseLabel_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Axis]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityAxis_label_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Axis]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityAxis_documentation_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxRecognizedInTotalEquityAxis" xlink:href="bbva-20221231.xsd#bbva_TaxRecognizedInTotalEquityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxRecognizedInTotalEquityAxis" xlink:to="lab_bbva_TaxRecognizedInTotalEquityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevaluationSurplusMember_4e741061-b72d-42e0-b601-4f3ffef547b7_terseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplusMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Revaluation surplus [member]</link:label>
    <link:label id="lab_ifrs-full_RevaluationSurplusMember_label_en-US" xlink:label="lab_ifrs-full_RevaluationSurplusMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Revaluation surplus [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevaluationSurplusMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RevaluationSurplusMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevaluationSurplusMember" xlink:to="lab_ifrs-full_RevaluationSurplusMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources_2f6d4de6-deac-42f9-b2ef-6b02e634e7aa_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings revaluation reserves and other reserves eligible capital resources</link:label>
    <link:label id="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings revaluation reserves and other reserves eligible capital resources</link:label>
    <link:label id="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings revaluation reserves and other reserves eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:to="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasisPointsDomain_b85be9fa-fb42-4bed-b83c-7b19adaa6142_terseLabel_en-US" xlink:label="lab_bbva_BasisPointsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points [Domain]</link:label>
    <link:label id="lab_bbva_BasisPointsDomain_label_en-US" xlink:label="lab_bbva_BasisPointsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points [Domain]</link:label>
    <link:label id="lab_bbva_BasisPointsDomain_documentation_en-US" xlink:label="lab_bbva_BasisPointsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointsDomain" xlink:href="bbva-20221231.xsd#bbva_BasisPointsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasisPointsDomain" xlink:to="lab_bbva_BasisPointsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExposureToLeverageRatio_17bd263d-d644-4ae8-93a1-d20259168051_terseLabel_en-US" xlink:label="lab_bbva_ExposureToLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Exposure to leverage ratio</link:label>
    <link:label id="lab_bbva_ExposureToLeverageRatio_label_en-US" xlink:label="lab_bbva_ExposureToLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Exposure to leverage ratio</link:label>
    <link:label id="lab_bbva_ExposureToLeverageRatio_documentation_en-US" xlink:label="lab_bbva_ExposureToLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Exposure to leverage ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExposureToLeverageRatio" xlink:href="bbva-20221231.xsd#bbva_ExposureToLeverageRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExposureToLeverageRatio" xlink:to="lab_bbva_ExposureToLeverageRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock_78a203c9-5bc4-4bd2-a6b1-cd885953839d_terseLabel_en-US" xlink:label="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Abridged scale to classify BBVA group outstanding risk [Table Text Block]</link:label>
    <link:label id="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock_label_en-US" xlink:label="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Abridged scale to classify BBVA group outstanding risk [Table Text Block]</link:label>
    <link:label id="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Abridged scale to classify BBVA group outstanding risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" xlink:to="lab_bbva_AbridgedScaleToClassifyBBVAGroupOutstandingRiskTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges_8586691a-6579-4c03-81e2-224463b2b07e_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reclassification comprehensive income before tax cash flow hedges</link:label>
    <link:label id="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges_label_en-US" xlink:label="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reclassification comprehensive income before tax cash flow hedges</link:label>
    <link:label id="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reclassification comprehensive income before tax cash flow hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:href="bbva-20221231.xsd#bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:to="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypesOfLoansAndReceivablesAxis_c9891eeb-5ade-4be4-97a5-07d834635f7c_terseLabel_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Types Of Loans And Receivables [Axis]</link:label>
    <link:label id="lab_bbva_TypesOfLoansAndReceivablesAxis_label_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Types Of Loans And Receivables [Axis]</link:label>
    <link:label id="lab_bbva_TypesOfLoansAndReceivablesAxis_documentation_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Types Of Loans And Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypesOfLoansAndReceivablesAxis" xlink:href="bbva-20221231.xsd#bbva_TypesOfLoansAndReceivablesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypesOfLoansAndReceivablesAxis" xlink:to="lab_bbva_TypesOfLoansAndReceivablesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member_6046721f-900d-4eb2-9dd8-7133bd23376b_terseLabel_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital instruments and share premium accounted as tier 2 [Member]</link:label>
    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member_label_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital instruments and share premium accounted as tier 2 [Member]</link:label>
    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member_documentation_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital instruments and share premium accounted as tier 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:href="bbva-20221231.xsd#bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:to="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments_8e72ef80-4899-4a2e-b052-db2259e774d7_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss after tax from discontinued operations operating segments</link:label>
    <link:label id="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments_label_en-US" xlink:label="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss after tax from discontinued operations operating segments</link:label>
    <link:label id="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss after tax from discontinued operations operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" xlink:href="bbva-20221231.xsd#bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" xlink:to="lab_bbva_ProfitOrLossAfterTaxFromDiscontinuedOperationsOperatingSegments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems_19cb369e-c756-4970-909f-c2a3f6a58043_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Line Items]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Line Items]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_97fd6fd2-e68b-425e-aa0f-a283c4a14ede_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than two years and not later than three years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than two years and not later than three years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:to="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarketsAxis_2c66bb83-76b1-43e9-b594-0213e670ad44_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets [Axis]</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarketsAxis_label_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets [Axis]</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarketsAxis_documentation_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarketsAxis" xlink:href="bbva-20221231.xsd#bbva_InvestmentInListedMarketsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentInListedMarketsAxis" xlink:to="lab_bbva_InvestmentInListedMarketsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeclosuresAndRecoveriesMember_c61c3e39-fc55-47d3-98cb-6711f5245ddc_terseLabel_en-US" xlink:label="lab_bbva_ForeclosuresAndRecoveriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreclosures and recoveries [Member]</link:label>
    <link:label id="lab_bbva_ForeclosuresAndRecoveriesMember_label_en-US" xlink:label="lab_bbva_ForeclosuresAndRecoveriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreclosures and recoveries [Member]</link:label>
    <link:label id="lab_bbva_ForeclosuresAndRecoveriesMember_documentation_en-US" xlink:label="lab_bbva_ForeclosuresAndRecoveriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreclosures and recoveries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeclosuresAndRecoveriesMember" xlink:href="bbva-20221231.xsd#bbva_ForeclosuresAndRecoveriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeclosuresAndRecoveriesMember" xlink:to="lab_bbva_ForeclosuresAndRecoveriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdvertisingExpense_21e2e146-3492-4888-bc9f-1a57b89ba9b9_terseLabel_en-US" xlink:label="lab_ifrs-full_AdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Advertising expense</link:label>
    <link:label id="lab_ifrs-full_AdvertisingExpense_label_en-US" xlink:label="lab_ifrs-full_AdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Advertising expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdvertisingExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdvertisingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdvertisingExpense" xlink:to="lab_ifrs-full_AdvertisingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevenueFromInterest_390a891e-9941-4a28-8c85-2231f30767f0_totalLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromInterest_1ee994cb-b0f8-426d-9ea7-95a624eb1edc_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromInterest_4f6b7168-01aa-4b31-9d80-546d06300552_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromInterest_label_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevenueFromInterest" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RevenueFromInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevenueFromInterest" xlink:to="lab_ifrs-full_RevenueFromInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentsInAssociates_21d689ad-1856-4ddb-b002-48bfef553d48_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in associates</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInAssociates_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in associates reported in separate financial statements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInAssociates" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InvestmentsInAssociates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInAssociates" xlink:to="lab_ifrs-full_InvestmentsInAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities_99088fce-b5e0-4e0d-8b50-8a89db701f24_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and liabilities</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities_label_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and liabilities</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnFinancialAssetsAndLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:to="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CapitalAndSharePremiumMember_09604dc7-a6eb-4064-967a-2f0c63467233_terseLabel_en-US" xlink:label="lab_bbva_CapitalAndSharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital and share premium [Member]</link:label>
    <link:label id="lab_bbva_CapitalAndSharePremiumMember_label_en-US" xlink:label="lab_bbva_CapitalAndSharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital and share premium [Member]</link:label>
    <link:label id="lab_bbva_CapitalAndSharePremiumMember_documentation_en-US" xlink:label="lab_bbva_CapitalAndSharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital and share premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CapitalAndSharePremiumMember" xlink:href="bbva-20221231.xsd#bbva_CapitalAndSharePremiumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CapitalAndSharePremiumMember" xlink:to="lab_bbva_CapitalAndSharePremiumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReservesAcumulatedGains_1e6e093a-8153-439a-beab-bd73bf6be905_terseLabel_en-US" xlink:label="lab_bbva_ReservesAcumulatedGains" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reserves / Acumulated gains</link:label>
    <link:label id="lab_bbva_ReservesAcumulatedGains_label_en-US" xlink:label="lab_bbva_ReservesAcumulatedGains" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reserves / Acumulated gains</link:label>
    <link:label id="lab_bbva_ReservesAcumulatedGains_documentation_en-US" xlink:label="lab_bbva_ReservesAcumulatedGains" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reserves / Acumulated gains</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReservesAcumulatedGains" xlink:href="bbva-20221231.xsd#bbva_ReservesAcumulatedGains"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReservesAcumulatedGains" xlink:to="lab_bbva_ReservesAcumulatedGains" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentMember_ac26399f-91a8-43d6-be2d-146c5d96b964_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment [Member]</link:label>
    <link:label id="lab_bbva_ImpairmentMember_label_en-US" xlink:label="lab_bbva_ImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment [Member]</link:label>
    <link:label id="lab_bbva_ImpairmentMember_documentation_en-US" xlink:label="lab_bbva_ImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentMember" xlink:href="bbva-20221231.xsd#bbva_ImpairmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentMember" xlink:to="lab_bbva_ImpairmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain_3d3c6e01-0d03-4590-abc3-e0d7f27fb09f_terseLabel_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain_label_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain_documentation_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:href="bbva-20221231.xsd#bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:to="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetLiabilityAsset_fbba71a9-7136-47f2-8a31-24a18ea935a0_periodStartLabel_en-US" xlink:label="lab_bbva_NetLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset</link:label>
    <link:label id="lab_bbva_NetLiabilityAsset_004d0332-cd4b-462c-9fd7-9fa770c54ff1_periodEndLabel_en-US" xlink:label="lab_bbva_NetLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset</link:label>
    <link:label id="lab_bbva_NetLiabilityAsset_label_en-US" xlink:label="lab_bbva_NetLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset</link:label>
    <link:label id="lab_bbva_NetLiabilityAsset_documentation_en-US" xlink:label="lab_bbva_NetLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetLiabilityAsset" xlink:href="bbva-20221231.xsd#bbva_NetLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetLiabilityAsset" xlink:to="lab_bbva_NetLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichSecuredByCollateralMember_d99ab934-988f-4f36-9182-8d035c3ec672_terseLabel_en-US" xlink:label="lab_bbva_OfWhichSecuredByCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured by collateral [Member]</link:label>
    <link:label id="lab_bbva_OfWhichSecuredByCollateralMember_label_en-US" xlink:label="lab_bbva_OfWhichSecuredByCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured by collateral [Member]</link:label>
    <link:label id="lab_bbva_OfWhichSecuredByCollateralMember_documentation_en-US" xlink:label="lab_bbva_OfWhichSecuredByCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured by collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichSecuredByCollateralMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichSecuredByCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichSecuredByCollateralMember" xlink:to="lab_bbva_OfWhichSecuredByCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember_706a477c-2b4d-4d31-9623-53f7b4a58f60_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for unexpired risks and other provisions [Member]</link:label>
    <link:label id="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember_label_en-US" xlink:label="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for unexpired risks and other provisions [Member]</link:label>
    <link:label id="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember_documentation_en-US" xlink:label="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for unexpired risks and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:href="bbva-20221231.xsd#bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:to="lab_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CompaniesHeldForSale_3615aff5-c853-4838-94b9-d893d956828f_terseLabel_en-US" xlink:label="lab_bbva_CompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies held for sale</link:label>
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    <link:label id="lab_bbva_CompaniesHeldForSale_documentation_en-US" xlink:label="lab_bbva_CompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies held for sale</link:label>
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    <link:label id="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryLineItems_1845a247-a567-4f62-bf12-df2ae7067443_terseLabel_en-US" xlink:label="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed balance sheets of companies sold in the USA subsidiary [Line Items]</link:label>
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    <link:label id="lab_bbva_RepurchaseAgreementsMember_929076a4-6796-4a42-bdf6-5350bd4716ab_terseLabel_en-US" xlink:label="lab_bbva_RepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase Agreements [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseAgreementsMember_label_en-US" xlink:label="lab_bbva_RepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase Agreements [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseAgreementsMember_documentation_en-US" xlink:label="lab_bbva_RepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase Agreements</link:label>
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    <link:label id="lab_bbva_TotalOperationsByConcept_2f72e554-de99-4def-8de2-713ff6131911_terseLabel_en-US" xlink:label="lab_bbva_TotalOperationsByConcept" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total operations by concept</link:label>
    <link:label id="lab_bbva_TotalOperationsByConcept_label_en-US" xlink:label="lab_bbva_TotalOperationsByConcept" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total operations by concept</link:label>
    <link:label id="lab_bbva_TotalOperationsByConcept_documentation_en-US" xlink:label="lab_bbva_TotalOperationsByConcept" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total operations by concept</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalOperationsByConcept" xlink:href="bbva-20221231.xsd#bbva_TotalOperationsByConcept"/>
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    <link:label id="lab_dei_AmendmentFlag_e8a8edb4-6deb-4c6e-8451-5c3993c789eb_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag"/>
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    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems_3ea92c23-29a4-4e97-ad9a-05a06117aad9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [line items]</link:label>
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    <link:label id="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating_3d4044cf-f287-4c63-957a-76dc08162eba_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of debt securities at amortized cost by rating</link:label>
    <link:label id="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating_label_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of debt securities at amortized cost by rating</link:label>
    <link:label id="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating_documentation_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of debt securities at amortized cost by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:href="bbva-20221231.xsd#bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating"/>
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    <link:label id="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember_46b09bd6-4969-4e54-ae88-41c734b70e88_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) due to changes in accounting policy [member]</link:label>
    <link:label id="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember_label_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) due to changes in accounting policy [member]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:to="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisposalNonCash_5f081ec5-6dc0-41cb-b198-3b4f5bd98d98_terseLabel_en-US" xlink:label="lab_bbva_DisposalNonCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal non cash</link:label>
    <link:label id="lab_bbva_DisposalNonCash_label_en-US" xlink:label="lab_bbva_DisposalNonCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal non cash</link:label>
    <link:label id="lab_bbva_DisposalNonCash_documentation_en-US" xlink:label="lab_bbva_DisposalNonCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal non cash</link:label>
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    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain_ea892d94-4108-4fa1-80f0-11354d440728_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities [Domain]</link:label>
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    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwill_87d846e0-5143-46b8-8448-136b06d609b8_totalLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets and goodwill</link:label>
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    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryAxis_cf70db4e-80b4-4502-bb2b-6d4ae36f31a5_terseLabel_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetIncreaseDecreaseInOperatingLiabilities" xlink:href="bbva-20221231.xsd#bbva_NetIncreaseDecreaseInOperatingLiabilities"/>
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    <link:label id="lab_bbva_ShareBuybackProgram_246145e6-a75e-4c57-882d-5916562bca2c_terseLabel_en-US" xlink:label="lab_bbva_ShareBuybackProgram" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share buyback program</link:label>
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    <link:label id="lab_bbva_ShareBuybackProgram_documentation_en-US" xlink:label="lab_bbva_ShareBuybackProgram" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share buyback program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareBuybackProgram" xlink:href="bbva-20221231.xsd#bbva_ShareBuybackProgram"/>
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    <link:label id="lab_bbva_BBVAGarantiMember_4749cb90-1b49-4c01-ba9b-27c0c8893bd1_terseLabel_en-US" xlink:label="lab_bbva_BBVAGarantiMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Garanti [Member]</link:label>
    <link:label id="lab_bbva_BBVAGarantiMember_label_en-US" xlink:label="lab_bbva_BBVAGarantiMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Garanti [Member]</link:label>
    <link:label id="lab_bbva_BBVAGarantiMember_documentation_en-US" xlink:label="lab_bbva_BBVAGarantiMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Garanti</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAGarantiMember" xlink:href="bbva-20221231.xsd#bbva_BBVAGarantiMember"/>
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    <link:label id="lab_bbva_TotalGrossCarryingAmount_1eb42a54-5b79-4801-a92c-90fe0146f177_terseLabel_en-US" xlink:label="lab_bbva_TotalGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total gross carrying amount</link:label>
    <link:label id="lab_bbva_TotalGrossCarryingAmount_label_en-US" xlink:label="lab_bbva_TotalGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total gross carrying amount</link:label>
    <link:label id="lab_bbva_TotalGrossCarryingAmount_documentation_en-US" xlink:label="lab_bbva_TotalGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total gross carrying amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalGrossCarryingAmount" xlink:href="bbva-20221231.xsd#bbva_TotalGrossCarryingAmount"/>
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    <link:label id="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock_f20dd168-b8bd-48ab-aa31-9c454218ecd3_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserves breakdown by concepts [Table Text Block]</link:label>
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    <link:label id="lab_bbva_OtherServicesRenderedTableTextBlock_documentation_en-US" xlink:label="lab_bbva_OtherServicesRenderedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services rendered</link:label>
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    <link:label id="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_06608b2d-ec0a-4c19-95e0-28d7dabec7f1_terseLabel_en-US" xlink:label="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of exchange rate changes on cash and cash equivalents</link:label>
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    <link:label id="lab_bbva_TotalOperationsWithPaymentDeferralAndGuarantees_aed4c8ca-02b5-47a1-b7f2-ffcce378238a_terseLabel_en-US" xlink:label="lab_bbva_TotalOperationsWithPaymentDeferralAndGuarantees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total operations with payment deferral and guarantees</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalOperationsWithPaymentDeferralAndGuarantees" xlink:href="bbva-20221231.xsd#bbva_TotalOperationsWithPaymentDeferralAndGuarantees"/>
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    <link:label id="lab_bbva_BenefitPaymentsForPensions_4ba821ad-ff11-4ca4-9fd4-09209e2b35f1_terseLabel_en-US" xlink:label="lab_bbva_BenefitPaymentsForPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Benefit payments for pensions</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_BenefitPaymentsForPensions" xlink:href="bbva-20221231.xsd#bbva_BenefitPaymentsForPensions"/>
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    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsInShares_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors in shares</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationBBVADirectorsInShares" xlink:to="lab_bbva_AnnualVariableRemunerationBBVADirectorsInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of changes in equity [abstract]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="lab_ifrs-full_StatementOfChangesInEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable_bdb6727b-f17d-4171-85e9-08ec3a62c581_terseLabel_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position on the group [Table]</link:label>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable_label_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position on the group [Table]</link:label>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable_documentation_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position on the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" xlink:href="bbva-20221231.xsd#bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" xlink:to="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfReconciliation_ced933ad-8993-493c-bb84-b2ba1b47fb61_terseLabel_en-US" xlink:label="lab_bbva_AmountOfReconciliation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of reconciliation</link:label>
    <link:label id="lab_bbva_AmountOfReconciliation_label_en-US" xlink:label="lab_bbva_AmountOfReconciliation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of reconciliation</link:label>
    <link:label id="lab_bbva_AmountOfReconciliation_documentation_en-US" xlink:label="lab_bbva_AmountOfReconciliation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfReconciliation" xlink:href="bbva-20221231.xsd#bbva_AmountOfReconciliation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfReconciliation" xlink:to="lab_bbva_AmountOfReconciliation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems_4ac8c11f-b871-458e-9c34-750b9cb2991f_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk by product or by type of market [Line Items]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems_label_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk by product or by type of market [Line Items]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems_documentation_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk by product or by type of market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:href="bbva-20221231.xsd#bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:to="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToBanksHeldForTrading_c8e113f9-0395-48f2-9c12-34d9de1d4907_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to banks held for trading</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToBanksHeldForTrading_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to banks held for trading</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToBanksHeldForTrading_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to banks held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToBanksHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesToBanksHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToBanksHeldForTrading" xlink:to="lab_bbva_LoansAndAdvancesToBanksHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_451f1cf0-b2ec-4c61-b3ca-4ea840098eca_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAbstract_a3a2b960-3502-45ad-bc83-47994ac97abb_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Amortised Cost [Abstract]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAbstract_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Amortised Cost [Abstract]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAbstract_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Amortised Cost [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtAmortisedCostAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:to="lab_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossOnFinancialAssets_440eb17a-3111-4943-90bd-23f2bb4ea34d_totalLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment loss on financial assets</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossOnFinancialAssets_fcf450e0-c038-447b-a0d1-0b6727f71d43_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment loss on financial assets</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossOnFinancialAssets_bfa0458d-0a94-4e70-895f-2f52bb7775be_terseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment loss on financial assets</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossOnFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment loss on financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ImpairmentLossOnFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:to="lab_ifrs-full_ImpairmentLossOnFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CurrencyAxis_d28623a1-35fb-4ac3-a408-3d4ca911e5e8_terseLabel_en-US" xlink:label="lab_srt_CurrencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Currency [Axis]</link:label>
    <link:label id="lab_srt_CurrencyAxis_label_en-US" xlink:label="lab_srt_CurrencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Currency [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CurrencyAxis" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CurrencyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CurrencyAxis" xlink:to="lab_srt_CurrencyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeBenefitCommitments_8c8c134e-1e7b-4805-8432-18a0905cc245_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income Benefit Commitments</link:label>
    <link:label id="lab_bbva_InterestIncomeBenefitCommitments_label_en-US" xlink:label="lab_bbva_InterestIncomeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income Benefit Commitments</link:label>
    <link:label id="lab_bbva_InterestIncomeBenefitCommitments_documentation_en-US" xlink:label="lab_bbva_InterestIncomeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income Benefit Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeBenefitCommitments" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeBenefitCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeBenefitCommitments" xlink:to="lab_bbva_InterestIncomeBenefitCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsLiabilitiesLineItems_e84ee3eb-6b5a-4a95-af24-e5de38afc378_terseLabel_en-US" xlink:label="lab_bbva_AssetsLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets-liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_AssetsLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_AssetsLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets-liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_AssetsLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_AssetsLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets-liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsLiabilitiesLineItems" xlink:href="bbva-20221231.xsd#bbva_AssetsLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsLiabilitiesLineItems" xlink:to="lab_bbva_AssetsLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherImpairmentLosses_e6b19888-4741-4340-987e-39d45d91f254_terseLabel_en-US" xlink:label="lab_bbva_OtherImpairmentLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other impairment losses</link:label>
    <link:label id="lab_bbva_OtherImpairmentLosses_label_en-US" xlink:label="lab_bbva_OtherImpairmentLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other impairment losses</link:label>
    <link:label id="lab_bbva_OtherImpairmentLosses_documentation_en-US" xlink:label="lab_bbva_OtherImpairmentLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other impairment losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherImpairmentLosses" xlink:href="bbva-20221231.xsd#bbva_OtherImpairmentLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherImpairmentLosses" xlink:to="lab_bbva_OtherImpairmentLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations_9c0d261c-8380-4150-a34a-a9e8f6f18bc7_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Reclassifications Comprehensive Income Before Tax Hedges Of Net Investments In Foreign Operations</link:label>
    <link:label id="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations_label_en-US" xlink:label="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Reclassifications Comprehensive Income Before Tax Hedges Of Net Investments In Foreign Operations</link:label>
    <link:label id="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Reclassifications Comprehensive Income Before Tax Hedges Of Net Investments In Foreign Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:href="bbva-20221231.xsd#bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:to="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss_36ab39d7-8a74-4b6e-ad8b-e1bcf1a82381_terseLabel_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates that will be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInSubsidiariesJointVenturesAndAssociatesThatWillBeReclassifiedToProfitOrLoss"/>
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    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskMember_bab47a41-0ded-405c-8692-9f4bfb5544f5_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold risk [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskMember_label_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold risk [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskMember_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAndGoldRiskMember" xlink:href="bbva-20221231.xsd#bbva_ForeignExchangeAndGoldRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeAndGoldRiskMember" xlink:to="lab_bbva_ForeignExchangeAndGoldRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Level2BTradableAssetsMember_0dae7da9-df37-4fa9-b38b-33b6bb78330c_terseLabel_en-US" xlink:label="lab_bbva_Level2BTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 2B tradable assets [Member]</link:label>
    <link:label id="lab_bbva_Level2BTradableAssetsMember_label_en-US" xlink:label="lab_bbva_Level2BTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 2B tradable assets [Member]</link:label>
    <link:label id="lab_bbva_Level2BTradableAssetsMember_documentation_en-US" xlink:label="lab_bbva_Level2BTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 2B tradable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Level2BTradableAssetsMember" xlink:href="bbva-20221231.xsd#bbva_Level2BTradableAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Level2BTradableAssetsMember" xlink:to="lab_bbva_Level2BTradableAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_bfa0b1e3-06ef-4074-8687-b7f4407ce73c_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets_28b6e29b-30f8-47dd-96cb-6779bf0a15bc_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reclassification comprehensive income before tax available for sale financial assets</link:label>
    <link:label id="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets_label_en-US" xlink:label="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reclassification comprehensive income before tax available for sale financial assets</link:label>
    <link:label id="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reclassification comprehensive income before tax available for sale financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" xlink:href="bbva-20221231.xsd#bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" xlink:to="lab_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet_46884b10-454d-4340-8ac6-64c2a5dc70cd_totalLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities held for trading net</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet_fccfb899-4320-4c20-87b2-a7979ee3b568_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities held for trading net</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities held for trading net</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities held for trading net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis_db3419e3-b431-47d3-ad51-a27123a14643_terseLabel_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impacts of increases or decreases in percentage [Axis]</link:label>
    <link:label id="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis_label_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impacts of increases or decreases in percentage [Axis]</link:label>
    <link:label id="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis_documentation_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impacts of increases or decreases in percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:href="bbva-20221231.xsd#bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:to="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureTable_9796fb08-e15f-47b7-8194-f90acb68234f_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Exposure to Credit Risk by stages [Table]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureTable_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Table]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureTable_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureTable" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureTable" xlink:to="lab_bbva_MaximumCreditRiskExposureTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems_26abd577-1f27-4ab3-b5db-d2907f4d477f_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Retained earnings and other reserves [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Retained earnings and other reserves [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Retained earnings and other reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:to="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash_84bb0e95-6561-43dd-9d63-18ccd8878358_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management in cash</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management in cash</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management in cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationSeniorManagementInCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:to="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems_f40e7dfe-72d2-4bd1-9376-0e12b7aecf13_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities at amortized cost [Line Items]</link:label>
    <link:label id="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems_label_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities at amortized cost [Line Items]</link:label>
    <link:label id="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems_documentation_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:href="bbva-20221231.xsd#bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:to="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsolidatedTaxGroupInSpainMember_460a6391-ab75-4ebe-97c6-0f915d5ba765_terseLabel_en-US" xlink:label="lab_bbva_ConsolidatedTaxGroupInSpainMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated tax group in Spain [Member]</link:label>
    <link:label id="lab_bbva_ConsolidatedTaxGroupInSpainMember_label_en-US" xlink:label="lab_bbva_ConsolidatedTaxGroupInSpainMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated tax group in Spain [Member]</link:label>
    <link:label id="lab_bbva_ConsolidatedTaxGroupInSpainMember_documentation_en-US" xlink:label="lab_bbva_ConsolidatedTaxGroupInSpainMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated tax group in Spain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidatedTaxGroupInSpainMember" xlink:href="bbva-20221231.xsd#bbva_ConsolidatedTaxGroupInSpainMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConsolidatedTaxGroupInSpainMember" xlink:to="lab_bbva_ConsolidatedTaxGroupInSpainMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions_c6651483-0030-4b19-b123-e7836c2aee98_terseLabel_en-US" xlink:label="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Commitments Given Related Party Transactions</link:label>
    <link:label id="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions_label_en-US" xlink:label="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Commitments Given Related Party Transactions</link:label>
    <link:label id="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions_documentation_en-US" xlink:label="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Commitments Given Related Party Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:href="bbva-20221231.xsd#bbva_OtherCommitmentsGivenRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:to="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss_eb54fb2b-64cf-41dd-89b6-d77a55de2ba4_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities mandatorily measured at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities mandatorily measured at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities mandatorily measured at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountsTransferredToIncome_aec26247-159d-48cb-b926-163f5dac7930_terseLabel_en-US" xlink:label="lab_bbva_AmountsTransferredToIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts transferred to income</link:label>
    <link:label id="lab_bbva_AmountsTransferredToIncome_label_en-US" xlink:label="lab_bbva_AmountsTransferredToIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts transferred to income</link:label>
    <link:label id="lab_bbva_AmountsTransferredToIncome_documentation_en-US" xlink:label="lab_bbva_AmountsTransferredToIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts transferred to income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountsTransferredToIncome" xlink:href="bbva-20221231.xsd#bbva_AmountsTransferredToIncome"/>
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    <link:label id="lab_bbva_EquityInstrumentsDomain_7434c8b5-58df-43d7-9867-2fb0169f0909_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments [Domain]</link:label>
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    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels [Table Text Block]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:to="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityToOnePercentMainCurrencies_438e2384-80c0-4bf9-a088-d1b09c356eed_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToOnePercentMainCurrencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to one percent main currencies</link:label>
    <link:label id="lab_bbva_SensitivityToOnePercentMainCurrencies_label_en-US" xlink:label="lab_bbva_SensitivityToOnePercentMainCurrencies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to one percent main currencies</link:label>
    <link:label id="lab_bbva_SensitivityToOnePercentMainCurrencies_documentation_en-US" xlink:label="lab_bbva_SensitivityToOnePercentMainCurrencies" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to one percent main currencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityToOnePercentMainCurrencies" xlink:href="bbva-20221231.xsd#bbva_SensitivityToOnePercentMainCurrencies"/>
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    <link:label id="lab_bbva_IncreaseOf50BasisPointsMember_1c5086dd-1fe7-4274-ac7d-51d185921f11_terseLabel_en-US" xlink:label="lab_bbva_IncreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase of 50 basis points [Member]</link:label>
    <link:label id="lab_bbva_IncreaseOf50BasisPointsMember_label_en-US" xlink:label="lab_bbva_IncreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase of 50 basis points [Member]</link:label>
    <link:label id="lab_bbva_IncreaseOf50BasisPointsMember_documentation_en-US" xlink:label="lab_bbva_IncreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase of 50 basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseOf50BasisPointsMember" xlink:href="bbva-20221231.xsd#bbva_IncreaseOf50BasisPointsMember"/>
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    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock_886228b5-e669-4638-a2f0-68079cdb4b61_terseLabel_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock"/>
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    <link:label id="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD_f8964062-8b8b-40ea-a5a4-6ccf861d9086_terseLabel_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjusted number of shares diluted earnings per share D</link:label>
    <link:label id="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD_label_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjusted number of shares diluted earnings per share D</link:label>
    <link:label id="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD_documentation_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjusted number of shares diluted earnings per share D</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:href="bbva-20221231.xsd#bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:to="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLiabilitiesLineItems_dfea7915-24bb-42bb-962f-1d29ebe1ae12_terseLabel_en-US" xlink:label="lab_bbva_OtherLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_OtherLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_OtherLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_OtherLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_OtherLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLiabilitiesLineItems" xlink:href="bbva-20221231.xsd#bbva_OtherLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherLiabilitiesLineItems" xlink:to="lab_bbva_OtherLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredPensionsTaxAssets_bead140c-3822-4e41-9039-08c640670770_terseLabel_en-US" xlink:label="lab_bbva_SecuredPensionsTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured pensions tax assets</link:label>
    <link:label id="lab_bbva_SecuredPensionsTaxAssets_label_en-US" xlink:label="lab_bbva_SecuredPensionsTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured pensions tax assets</link:label>
    <link:label id="lab_bbva_SecuredPensionsTaxAssets_documentation_en-US" xlink:label="lab_bbva_SecuredPensionsTaxAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured pensions tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredPensionsTaxAssets" xlink:href="bbva-20221231.xsd#bbva_SecuredPensionsTaxAssets"/>
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    <link:label id="lab_ifrs-full_NotLaterThanThreeMonthsMember_ea30c4cb-5d16-4aa4-89b0-137c8c72976d_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Not later than three months [member]</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanThreeMonthsMember_label_en-US" xlink:label="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Not later than three months [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanThreeMonthsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NotLaterThanThreeMonthsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotLaterThanThreeMonthsMember" xlink:to="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LeverageRatio_4403c5b9-fa78-4fc7-b181-5fbb7b01929d_terseLabel_en-US" xlink:label="lab_bbva_LeverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage ratio</link:label>
    <link:label id="lab_bbva_LeverageRatio_label_en-US" xlink:label="lab_bbva_LeverageRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage ratio</link:label>
    <link:label id="lab_bbva_LeverageRatio_documentation_en-US" xlink:label="lab_bbva_LeverageRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LeverageRatio" xlink:href="bbva-20221231.xsd#bbva_LeverageRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LeverageRatio" xlink:to="lab_bbva_LeverageRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ArithmeticAverageMember_871d8792-c537-4ae7-b92d-87ddaea882b8_terseLabel_en-US" xlink:label="lab_srt_ArithmeticAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Arithmetic Average [Member]</link:label>
    <link:label id="lab_srt_ArithmeticAverageMember_label_en-US" xlink:label="lab_srt_ArithmeticAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Arithmetic Average [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ArithmeticAverageMember" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ArithmeticAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ArithmeticAverageMember" xlink:to="lab_srt_ArithmeticAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeForInsuranceActivity_fffe3bb7-183a-4d65-bffb-973d25f52394_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income For Insurance Activity</link:label>
    <link:label id="lab_bbva_InterestIncomeForInsuranceActivity_label_en-US" xlink:label="lab_bbva_InterestIncomeForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income For Insurance Activity</link:label>
    <link:label id="lab_bbva_InterestIncomeForInsuranceActivity_documentation_en-US" xlink:label="lab_bbva_InterestIncomeForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income For Insurance Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeForInsuranceActivity" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeForInsuranceActivity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeForInsuranceActivity" xlink:to="lab_bbva_InterestIncomeForInsuranceActivity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost_3c4cc037-a1ad-4441-8f85-a0ea4512f019_terseLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets at amortised cost</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets at amortised cost</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost_documentation_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:href="bbva-20221231.xsd#bbva_ImpairedFinancialAssetsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:to="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock_246ed6b9-5be8-4df5-abbc-4217bc25d6eb_terseLabel_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit attributable to non controlling interests [Table Text Block]</link:label>
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    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit attributable to non controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProfitAttributableToNonControllingInterestsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:to="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValuationGainsAndLosses_a34d54bd-2fdf-429c-beff-66061858faa1_terseLabel_en-US" xlink:label="lab_bbva_ValuationGainsAndLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation gains and losses</link:label>
    <link:label id="lab_bbva_ValuationGainsAndLosses_label_en-US" xlink:label="lab_bbva_ValuationGainsAndLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation gains and losses</link:label>
    <link:label id="lab_bbva_ValuationGainsAndLosses_documentation_en-US" xlink:label="lab_bbva_ValuationGainsAndLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation gains and losses</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationGainsAndLosses" xlink:to="lab_bbva_ValuationGainsAndLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueHedgesIneffectivenesMember_2bf65c5c-bc64-4f9e-ae92-4c06d7ba96a6_terseLabel_en-US" xlink:label="lab_bbva_FairValueHedgesIneffectivenesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value hedges ineffectivenes [Member]</link:label>
    <link:label id="lab_bbva_FairValueHedgesIneffectivenesMember_label_en-US" xlink:label="lab_bbva_FairValueHedgesIneffectivenesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value hedges ineffectivenes [Member]</link:label>
    <link:label id="lab_bbva_FairValueHedgesIneffectivenesMember_documentation_en-US" xlink:label="lab_bbva_FairValueHedgesIneffectivenesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value hedges ineffectivenes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueHedgesIneffectivenesMember" xlink:href="bbva-20221231.xsd#bbva_FairValueHedgesIneffectivenesMember"/>
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    <link:label id="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember_eec511ba-7261-492e-bf39-12ff079ef32f_terseLabel_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit loss before tax from discontinued operations [Member]</link:label>
    <link:label id="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember_label_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit loss before tax from discontinued operations [Member]</link:label>
    <link:label id="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember_documentation_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit loss before tax from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:href="bbva-20221231.xsd#bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:to="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVACCCRatingMember_b6e7a29b-3465-46b2-9e0b-2f484accd509_terseLabel_en-US" xlink:label="lab_bbva_BBVACCCRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CCC Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCCRatingMember_label_en-US" xlink:label="lab_bbva_BBVACCCRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CCC Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCCRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVACCCRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CCC Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVACCCRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVACCCRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVACCCRatingMember" xlink:to="lab_bbva_BBVACCCRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesAbstract_label_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets And Liabilities [Abstract]</link:label>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesAbstract_documentation_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets And Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAndLiabilitiesAbstract" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsAndLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsAndLiabilitiesAbstract" xlink:to="lab_bbva_OtherAssetsAndLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable_159d301a-a8b9-4cac-849f-3f161a784399_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management [Table]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable_label_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management [Table]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable_documentation_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:href="bbva-20221231.xsd#bbva_PensionCommitmentsWithMembersOfSeniorManagementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:to="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems_f622a32f-a73a-4bef-94b5-65fd6c078318_terseLabel_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties [Line Items]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems_label_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties [Line Items]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems_documentation_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:href="bbva-20221231.xsd#bbva_TransactionsOnBehalfOfThirdPartiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:to="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain_4d94dc06-3a9d-481c-8c21-4a61b35d8748_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain_label_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain_documentation_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:href="bbva-20221231.xsd#bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:to="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAUSABancsharesGroupMember_c024fdf9-a7f3-4773-8ef8-80b88ff572c9_terseLabel_en-US" xlink:label="lab_bbva_BBVAUSABancsharesGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA USA Bancshares group [Member]</link:label>
    <link:label id="lab_bbva_BBVAUSABancsharesGroupMember_label_en-US" xlink:label="lab_bbva_BBVAUSABancsharesGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA USA Bancshares group [Member]</link:label>
    <link:label id="lab_bbva_BBVAUSABancsharesGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVAUSABancsharesGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA USA Bancshares group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAUSABancsharesGroupMember" xlink:href="bbva-20221231.xsd#bbva_BBVAUSABancsharesGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAUSABancsharesGroupMember" xlink:to="lab_bbva_BBVAUSABancsharesGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems_fbbc8965-1bb4-44bc-8a54-e63cf8288d71_terseLabel_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Line Items]</link:label>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems_label_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems" xlink:href="bbva-20221231.xsd#bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems" xlink:to="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IndividualLifeInsuranceMember_b44a819b-6007-49f5-9853-192cc5f04ca2_terseLabel_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Individual life insurance [Member]</link:label>
    <link:label id="lab_bbva_IndividualLifeInsuranceMember_label_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Individual life insurance [Member]</link:label>
    <link:label id="lab_bbva_IndividualLifeInsuranceMember_documentation_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Individual life insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IndividualLifeInsuranceMember" xlink:href="bbva-20221231.xsd#bbva_IndividualLifeInsuranceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IndividualLifeInsuranceMember" xlink:to="lab_bbva_IndividualLifeInsuranceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading_50af6f49-22ba-4baa-bc2f-f1afe4a022c5_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial liabilities held for trading</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading" xlink:to="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable_57949fa8-0f7d-4544-9012-da6705897f41_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to interest rate and credit spread analysis [Table]</link:label>
    <link:label id="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable_label_en-US" xlink:label="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to interest rate and credit spread analysis [Table]</link:label>
    <link:label id="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable_documentation_en-US" xlink:label="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to interest rate and credit spread analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:href="bbva-20221231.xsd#bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:to="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems_9878d938-bc50-4116-9020-7c005696baad_terseLabel_en-US" xlink:label="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective dates of revaluation property plant and equipment [Line Items]</link:label>
    <link:label id="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems_label_en-US" xlink:label="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective dates of revaluation property plant and equipment [Line Items]</link:label>
    <link:label id="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems_documentation_en-US" xlink:label="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective dates of revaluation property plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:href="bbva-20221231.xsd#bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:to="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_YearsAxis_f88481f6-ee7a-4371-8340-d79394770097_terseLabel_en-US" xlink:label="lab_bbva_YearsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Years [Axis]</link:label>
    <link:label id="lab_bbva_YearsAxis_label_en-US" xlink:label="lab_bbva_YearsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Years [Axis]</link:label>
    <link:label id="lab_bbva_YearsAxis_documentation_en-US" xlink:label="lab_bbva_YearsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Years</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_YearsAxis" xlink:href="bbva-20221231.xsd#bbva_YearsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_YearsAxis" xlink:to="lab_bbva_YearsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock_a740b6b0-f78a-4c77-8d1c-9d62b153cc51_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other Contingent Assets And Liabilities [Text Block]</link:label>
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    <link:label id="lab_bbva_BBVAAAMinusRatingMember_4cdd07e6-1391-4653-8638-64ef98d34fab_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA Minus Rating [Member]</link:label>
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    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForTrading_aa2018f1-6a7a-4097-b2b8-5140a58abd29_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial assets held for trading</link:label>
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    <link:label id="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_4098bbfb-46ed-4225-86a5-d980caaaf1d4_negatedTerseLabel_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20221231.xsd#bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubtotalUnlistedEquityInstrumentsMember_19c6588d-8c2c-467e-a107-3728b859a1ec_terseLabel_en-US" xlink:label="lab_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal unlisted equity instruments [Member]</link:label>
    <link:label id="lab_bbva_SubtotalUnlistedEquityInstrumentsMember_label_en-US" xlink:label="lab_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal unlisted equity instruments [Member]</link:label>
    <link:label id="lab_bbva_SubtotalUnlistedEquityInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal unlisted equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:href="bbva-20221231.xsd#bbva_SubtotalUnlistedEquityInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:to="lab_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities_ab4e9a7e-d89d-44ee-a36f-6fa162e03882_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Derecognition Of Other Financial Assets And Liabilities</link:label>
    <link:label id="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities_label_en-US" xlink:label="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Derecognition Of Other Financial Assets And Liabilities</link:label>
    <link:label id="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Losses On Derecognition Of Other Financial Assets And Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:to="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasisPointVariationAxis_8d21120d-43ca-4697-8f1f-ca11e4044b05_terseLabel_en-US" xlink:label="lab_bbva_BasisPointVariationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis point variation [Axis]</link:label>
    <link:label id="lab_bbva_BasisPointVariationAxis_label_en-US" xlink:label="lab_bbva_BasisPointVariationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis point variation [Axis]</link:label>
    <link:label id="lab_bbva_BasisPointVariationAxis_documentation_en-US" xlink:label="lab_bbva_BasisPointVariationAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis point variation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointVariationAxis" xlink:href="bbva-20221231.xsd#bbva_BasisPointVariationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasisPointVariationAxis" xlink:to="lab_bbva_BasisPointVariationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityDomain_8fdf5525-ee20-47dc-a911-5f8b3310a271_terseLabel_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Domain]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityDomain_label_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Domain]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityDomain_documentation_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxRecognizedInTotalEquityDomain" xlink:href="bbva-20221231.xsd#bbva_TaxRecognizedInTotalEquityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxRecognizedInTotalEquityDomain" xlink:to="lab_bbva_TaxRecognizedInTotalEquityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NSFRMainLMUAxis_7ab11c7f-df13-454e-a6b7-b1567747f391_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU [Axis]</link:label>
    <link:label id="lab_bbva_NSFRMainLMUAxis_label_en-US" xlink:label="lab_bbva_NSFRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU [Axis]</link:label>
    <link:label id="lab_bbva_NSFRMainLMUAxis_documentation_en-US" xlink:label="lab_bbva_NSFRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NSFRMainLMUAxis" xlink:href="bbva-20221231.xsd#bbva_NSFRMainLMUAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NSFRMainLMUAxis" xlink:to="lab_bbva_NSFRMainLMUAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SharePremiumMember_7f069a0c-1202-4c1f-b365-e64c81371269_terseLabel_en-US" xlink:label="lab_ifrs-full_SharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share premium [member]</link:label>
    <link:label id="lab_ifrs-full_SharePremiumMember_label_en-US" xlink:label="lab_ifrs-full_SharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share premium [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SharePremiumMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_SharePremiumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SharePremiumMember" xlink:to="lab_ifrs-full_SharePremiumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities_76b712cb-b48d-4e29-9474-d42c34ce4a05_negatedTerseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortized cost operating activities</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortized cost operating activities</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortized cost operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherIntangibleAssetsMember_dc32d300-cc62-4f78-9601-65b7babfe69c_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [member]</link:label>
    <link:label id="lab_ifrs-full_OtherIntangibleAssetsMember_label_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherIntangibleAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherIntangibleAssetsMember" xlink:to="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear_99c2d0f9-9c38-44c9-9290-844f7e4d1f05_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation at present value</link:label>
    <link:label id="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear_label_en-US" xlink:label="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation at present value changes of the year</link:label>
    <link:label id="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit obligation at present value changes of the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:href="bbva-20221231.xsd#bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:to="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReturnOfPlanAssetsMember_9a579eae-bc6d-405a-acd6-0b07f1be904c_terseLabel_en-US" xlink:label="lab_bbva_ReturnOfPlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Return of plan assets [Member]</link:label>
    <link:label id="lab_bbva_ReturnOfPlanAssetsMember_label_en-US" xlink:label="lab_bbva_ReturnOfPlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Return of plan assets [Member]</link:label>
    <link:label id="lab_bbva_ReturnOfPlanAssetsMember_documentation_en-US" xlink:label="lab_bbva_ReturnOfPlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Return of plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReturnOfPlanAssetsMember" xlink:href="bbva-20221231.xsd#bbva_ReturnOfPlanAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReturnOfPlanAssetsMember" xlink:to="lab_bbva_ReturnOfPlanAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CompaniesMember_cbdab262-367c-4d6f-bca9-66965afbfe31_terseLabel_en-US" xlink:label="lab_bbva_CompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies [Member]</link:label>
    <link:label id="lab_bbva_CompaniesMember_label_en-US" xlink:label="lab_bbva_CompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies [Member]</link:label>
    <link:label id="lab_bbva_CompaniesMember_documentation_en-US" xlink:label="lab_bbva_CompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompaniesMember" xlink:href="bbva-20221231.xsd#bbva_CompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CompaniesMember" xlink:to="lab_bbva_CompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilities_794a52bb-a2bd-4fab-8480-21cf7794fd84_terseLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax liabilities</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilities_label_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DeferredTaxLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DeferredTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DeferredTaxLiabilities" xlink:to="lab_ifrs-full_DeferredTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVABancoProvincialGroupMember_090969f1-a059-4623-8f38-3b6982e71ef2_terseLabel_en-US" xlink:label="lab_bbva_BBVABancoProvincialGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Banco Provincial group [Member]</link:label>
    <link:label id="lab_bbva_BBVABancoProvincialGroupMember_label_en-US" xlink:label="lab_bbva_BBVABancoProvincialGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Banco Provincial group [Member]</link:label>
    <link:label id="lab_bbva_BBVABancoProvincialGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVABancoProvincialGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Banco Provincial group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABancoProvincialGroupMember" xlink:href="bbva-20221231.xsd#bbva_BBVABancoProvincialGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVABancoProvincialGroupMember" xlink:to="lab_bbva_BBVABancoProvincialGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuritizedLoansLineItems_ee8e14f8-33b5-4b0c-bef7-fadd526539cc_terseLabel_en-US" xlink:label="lab_bbva_SecuritizedLoansLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securitized loans [Line Items]</link:label>
    <link:label id="lab_bbva_SecuritizedLoansLineItems_label_en-US" xlink:label="lab_bbva_SecuritizedLoansLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securitized loans [Line Items]</link:label>
    <link:label id="lab_bbva_SecuritizedLoansLineItems_documentation_en-US" xlink:label="lab_bbva_SecuritizedLoansLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securitized loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritizedLoansLineItems" xlink:href="bbva-20221231.xsd#bbva_SecuritizedLoansLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuritizedLoansLineItems" xlink:to="lab_bbva_SecuritizedLoansLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock_401ac6ef-67b2-47d6-9604-998f9dfc7a94_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation Of Changes In Goodwill [Table Text Block]</link:label>
    <link:label id="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock_label_en-US" xlink:label="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation Of Changes In Goodwill [Table Text Block]</link:label>
    <link:label id="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation Of Changes In Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ReconciliationOfChangesInGoodwillTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:to="lab_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherImpairmentNonFinancialAssets_fb02529f-9a73-41a4-8f1b-7a4bbcd4f45a_negatedTerseLabel_en-US" xlink:label="lab_bbva_OtherImpairmentNonFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other impairment non financial assets</link:label>
    <link:label id="lab_bbva_OtherImpairmentNonFinancialAssets_label_en-US" xlink:label="lab_bbva_OtherImpairmentNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other impairment non financial assets</link:label>
    <link:label id="lab_bbva_OtherImpairmentNonFinancialAssets_documentation_en-US" xlink:label="lab_bbva_OtherImpairmentNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other impairment non financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherImpairmentNonFinancialAssets" xlink:href="bbva-20221231.xsd#bbva_OtherImpairmentNonFinancialAssets"/>
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    <link:label id="lab_bbva_WholesaleFundingMember_190d16a4-0c7c-4f44-85ed-23230c195f0d_terseLabel_en-US" xlink:label="lab_bbva_WholesaleFundingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Wholesale funding [Member]</link:label>
    <link:label id="lab_bbva_WholesaleFundingMember_label_en-US" xlink:label="lab_bbva_WholesaleFundingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Wholesale funding [Member]</link:label>
    <link:label id="lab_bbva_WholesaleFundingMember_documentation_en-US" xlink:label="lab_bbva_WholesaleFundingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Wholesale funding</link:label>
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    <link:label id="lab_bbva_Unemployment_437d9bd2-4759-4a34-92ea-cc89a9a76034_terseLabel_en-US" xlink:label="lab_bbva_Unemployment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unemployment</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract_069de717-53c6-4099-9669-05f2a5617a00_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Abstract]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Abstract]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Abstract]</link:label>
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    <link:label id="lab_ifrs-full_DividendsPaid_23b11572-69f2-42fa-8c20-a9675065e732_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaid" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends recognised as distributions to owners</link:label>
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    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_b14cd5c1-4e0b-4a3e-ae70-5246d5143e57_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification adjustments on cash flow hedges, before tax</link:label>
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    <link:label id="lab_bbva_DerivativesAndSecuritiesAxis_6db423e4-9177-45c2-b30e-ef8438059d36_terseLabel_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives and securities [Axis]</link:label>
    <link:label id="lab_bbva_DerivativesAndSecuritiesAxis_label_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives and securities [Axis]</link:label>
    <link:label id="lab_bbva_DerivativesAndSecuritiesAxis_documentation_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives and securities</link:label>
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    <link:label id="lab_bbva_BasicAndDilutedEarningsPerShareLineItems_002b80af-a421-4fbe-9dc3-cbdfda6615ca_terseLabel_en-US" xlink:label="lab_bbva_BasicAndDilutedEarningsPerShareLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic and diluted earnings per share [Line Items]</link:label>
    <link:label id="lab_bbva_BasicAndDilutedEarningsPerShareLineItems_label_en-US" xlink:label="lab_bbva_BasicAndDilutedEarningsPerShareLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic and diluted earnings per share [Line Items]</link:label>
    <link:label id="lab_bbva_BasicAndDilutedEarningsPerShareLineItems_documentation_en-US" xlink:label="lab_bbva_BasicAndDilutedEarningsPerShareLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic and diluted earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasicAndDilutedEarningsPerShareLineItems" xlink:href="bbva-20221231.xsd#bbva_BasicAndDilutedEarningsPerShareLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasicAndDilutedEarningsPerShareLineItems" xlink:to="lab_bbva_BasicAndDilutedEarningsPerShareLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk_5bdf56db-cefa-44bd-b3b3-fadfbc601740_terseLabel_en-US" xlink:label="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</link:label>
    <link:label id="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk_label_en-US" xlink:label="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</link:label>
    <link:label id="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk_documentation_en-US" xlink:label="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" xlink:href="bbva-20221231.xsd#bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk"/>
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    <link:label id="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember_d01be9ef-95f6-43bd-a1d6-7d8efd1bbbc6_terseLabel_en-US" xlink:label="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge adjustments included in the carrying amount of assets and liabilities [Member]</link:label>
    <link:label id="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember_label_en-US" xlink:label="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge adjustments included in the carrying amount of assets and liabilities [Member]</link:label>
    <link:label id="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge adjustments included in the carrying amount of assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:href="bbva-20221231.xsd#bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:to="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestAxis_d51daa62-1587-4d88-acf9-4206a8c5b9e0_terseLabel_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical Impact of the stress test [Axis]</link:label>
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    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestAxis_documentation_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical Impact of the stress test</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GeographicalImpactOfTheStressTestAxis" xlink:href="bbva-20221231.xsd#bbva_GeographicalImpactOfTheStressTestAxis"/>
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    <link:label id="lab_bbva_OtherCountriesMember_4d913d47-0d5b-4158-9db6-bc44b0596015_terseLabel_en-US" xlink:label="lab_bbva_OtherCountriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Countries [Member]</link:label>
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    <link:label id="lab_bbva_OtherCountriesMember_documentation_en-US" xlink:label="lab_bbva_OtherCountriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Countries</link:label>
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    <link:label id="lab_bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock_e8d0b58d-2116-441b-9f66-bebe7b7de89d_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for deferred income tax [Policy Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized_e07d2c32-d74d-4c39-bad6-2c4aa55edd3e_terseLabel_en-US" xlink:label="lab_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in equity other than total income or expense recognized</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" xlink:href="bbva-20221231.xsd#bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" xlink:to="lab_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfCommonStockTextBlock_fa28585b-4698-46d3-a98d-bdf53cc47ae5_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfCommonStockTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Common Stock [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCommonStockTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfCommonStockTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Common Stock [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCommonStockTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfCommonStockTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfCommonStockTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfCommonStockTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfCommonStockTextBlock" xlink:to="lab_bbva_DisclosureOfCommonStockTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetAnnualOriginationOfAllowances_de705778-cad1-4d3d-816f-a08d10e27a6c_terseLabel_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfAllowances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net annual origination of allowances</link:label>
    <link:label id="lab_bbva_NetAnnualOriginationOfAllowances_label_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfAllowances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net annual origination of allowances</link:label>
    <link:label id="lab_bbva_NetAnnualOriginationOfAllowances_documentation_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfAllowances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net annual origination of allowances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetAnnualOriginationOfAllowances" xlink:href="bbva-20221231.xsd#bbva_NetAnnualOriginationOfAllowances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetAnnualOriginationOfAllowances" xlink:to="lab_bbva_NetAnnualOriginationOfAllowances" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MinorityInterestsMember_b42bf3ff-525d-4bf0-ab5c-fef5fed294aa_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interests [Member]</link:label>
    <link:label id="lab_bbva_MinorityInterestsMember_label_en-US" xlink:label="lab_bbva_MinorityInterestsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interests [Member]</link:label>
    <link:label id="lab_bbva_MinorityInterestsMember_documentation_en-US" xlink:label="lab_bbva_MinorityInterestsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestsMember" xlink:href="bbva-20221231.xsd#bbva_MinorityInterestsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestsMember" xlink:to="lab_bbva_MinorityInterestsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichInterestRateFairValueHedgesMember_c10292ab-67a2-4257-bfcf-9c2ee4e74e01_terseLabel_en-US" xlink:label="lab_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which interest rate fair value hedges [Member]</link:label>
    <link:label id="lab_bbva_OfWhichInterestRateFairValueHedgesMember_label_en-US" xlink:label="lab_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which interest rate fair value hedges [Member]</link:label>
    <link:label id="lab_bbva_OfWhichInterestRateFairValueHedgesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which interest rate fair value hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichInterestRateFairValueHedgesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:to="lab_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditDefaultVolatility_b2de5561-6b53-4004-835c-bd4448bd9763_terseLabel_en-US" xlink:label="lab_bbva_CreditDefaultVolatility" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit default volatility</link:label>
    <link:label id="lab_bbva_CreditDefaultVolatility_label_en-US" xlink:label="lab_bbva_CreditDefaultVolatility" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit default volatility</link:label>
    <link:label id="lab_bbva_CreditDefaultVolatility_documentation_en-US" xlink:label="lab_bbva_CreditDefaultVolatility" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit default volatility</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDefaultVolatility" xlink:href="bbva-20221231.xsd#bbva_CreditDefaultVolatility"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditDefaultVolatility" xlink:to="lab_bbva_CreditDefaultVolatility" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven_ecf65696-a857-457c-8c82-9499077912c9_periodStartLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets and guarantees given at the beginning</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven_c4ed9efc-6c06-4ba2-a10c-fa1c3518f9ce_periodEndLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets and guarantees given at the end</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven_label_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets and guarantees given</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired financial assets and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:href="bbva-20221231.xsd#bbva_ImpairedFinancialAssetsAndGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:to="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember_c38ff9dc-ac55-4439-b8f4-b2e41fba162b_terseLabel_en-US" xlink:label="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total assets encumbered and unencumbered [Member]</link:label>
    <link:label id="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember_label_en-US" xlink:label="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total assets encumbered and unencumbered [Member]</link:label>
    <link:label id="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember_documentation_en-US" xlink:label="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total assets encumbered and unencumbered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:href="bbva-20221231.xsd#bbva_TotalAssetsEncumberedAndUnencumberedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:to="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GDPOver100Bp_fea983b7-ebb1-452a-a513-6d211977be57_terseLabel_en-US" xlink:label="lab_bbva_GDPOver100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP over100 bp</link:label>
    <link:label id="lab_bbva_GDPOver100Bp_label_en-US" xlink:label="lab_bbva_GDPOver100Bp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP over100 bp</link:label>
    <link:label id="lab_bbva_GDPOver100Bp_documentation_en-US" xlink:label="lab_bbva_GDPOver100Bp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP over100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GDPOver100Bp" xlink:href="bbva-20221231.xsd#bbva_GDPOver100Bp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GDPOver100Bp" xlink:to="lab_bbva_GDPOver100Bp" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities_9786c6c6-d016-42d7-963d-417d47bc748c_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) investing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:to="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill_f1b798c8-288d-4207-9a9d-d9d4f2cc342d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment loss recognised in profit or loss, intangible assets other than goodwill</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment loss recognised in profit or loss, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember_76609728-cc66-4106-bf42-f4a254351128_terseLabel_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit loss before tax from continuing operations [Member]</link:label>
    <link:label id="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember_label_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit loss before tax from continuing operations [Member]</link:label>
    <link:label id="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember_documentation_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit loss before tax from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:href="bbva-20221231.xsd#bbva_ProfitLossBeforeTaxFromContinuingOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:to="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_0b6d638d-58fe-4a45-bc02-3acd53c635f2_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares_b1b5fee5-a49a-4469-a5f8-fc09a2666ee1_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration senior management in shares</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration senior management in shares</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration senior management in shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:href="bbva-20221231.xsd#bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems_7904b8eb-c600-4dbc-9ab7-e8209606e36c_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Tangible assets breakdown by type of asset [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Tangible assets breakdown by type of asset [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Tangible assets breakdown by type of asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:to="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JuanPiLlorensMember_8724e9cb-e5a3-413b-a894-578ba81aa697_terseLabel_en-US" xlink:label="lab_bbva_JuanPiLlorensMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Juan Pi Llorens [Member]</link:label>
    <link:label id="lab_bbva_JuanPiLlorensMember_label_en-US" xlink:label="lab_bbva_JuanPiLlorensMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Juan Pi Llorens [Member]</link:label>
    <link:label id="lab_bbva_JuanPiLlorensMember_documentation_en-US" xlink:label="lab_bbva_JuanPiLlorensMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Juan Pi Llorens</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JuanPiLlorensMember" xlink:href="bbva-20221231.xsd#bbva_JuanPiLlorensMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JuanPiLlorensMember" xlink:to="lab_bbva_JuanPiLlorensMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Capital Base And Capital Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" xlink:to="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterimDividendEligibleCapitalResources_a6e674a5-72f9-4008-bbbe-bef1c125401b_terseLabel_en-US" xlink:label="lab_bbva_InterimDividendEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">interim dividend eligible capital resources</link:label>
    <link:label id="lab_bbva_InterimDividendEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_InterimDividendEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">interim dividend eligible capital resources</link:label>
    <link:label id="lab_bbva_InterimDividendEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_InterimDividendEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">interim dividend eligible capital resources</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterimDividendEligibleCapitalResources" xlink:to="lab_bbva_InterimDividendEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock_37caa11a-82d2-447f-930b-6b66be5ef98e_terseLabel_en-US" xlink:label="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance And Reinsurance Contracts In Income And Expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock_label_en-US" xlink:label="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance And Reinsurance Contracts In Income And Expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock_documentation_en-US" xlink:label="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance And Reinsurance Contracts In Income And Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:to="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset_44a5341c-b802-437c-852f-2aed8f2f2094_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</link:label>
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    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashUSA_8f30f514-61b5-4195-b4cd-bcde8971b381_terseLabel_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashUSA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash USA</link:label>
    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashUSA_label_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashUSA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash USA</link:label>
    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashUSA_documentation_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashUSA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash USA</link:label>
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    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_32f14a33-970f-4b51-839d-3bd43315e1e7_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) from discontinued operations</link:label>
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    <link:label id="lab_bbva_PeriodTimeDomain_14f74a5d-6643-41bf-aabd-0df71a88d748_terseLabel_en-US" xlink:label="lab_bbva_PeriodTimeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period time [Domain]</link:label>
    <link:label id="lab_bbva_PeriodTimeDomain_label_en-US" xlink:label="lab_bbva_PeriodTimeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period time [Domain]</link:label>
    <link:label id="lab_bbva_PeriodTimeDomain_documentation_en-US" xlink:label="lab_bbva_PeriodTimeDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period time</link:label>
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    <link:label id="lab_bbva_SensitivityAnalysisDomain_103141fc-991b-4e44-9d4d-8517774b35f8_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Domain]</link:label>
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    <link:label id="lab_bbva_SensitivityAnalysisDomain_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisDomain" xlink:href="bbva-20221231.xsd#bbva_SensitivityAnalysisDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisDomain" xlink:to="lab_bbva_SensitivityAnalysisDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A39To194Member_e7432a7e-a203-43e8-bd91-740730f5a128_terseLabel_en-US" xlink:label="lab_bbva_A39To194Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">39 to 194 [Member]</link:label>
    <link:label id="lab_bbva_A39To194Member_label_en-US" xlink:label="lab_bbva_A39To194Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">39 to 194 [Member]</link:label>
    <link:label id="lab_bbva_A39To194Member_documentation_en-US" xlink:label="lab_bbva_A39To194Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">39 to 194</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A39To194Member" xlink:href="bbva-20221231.xsd#bbva_A39To194Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A39To194Member" xlink:to="lab_bbva_A39To194Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AuditorsRemunerationAbstract_e0d63f60-330e-401f-85c1-cefbfb5e87bf_terseLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor's remuneration [abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AuditorsRemunerationAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AuditorsRemunerationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AuditorsRemunerationAbstract" xlink:to="lab_ifrs-full_AuditorsRemunerationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ContributionsFromMergerTransactions_a04db0cf-2df2-4443-b986-6d4fdc380d1d_terseLabel_en-US" xlink:label="lab_bbva_ContributionsFromMergerTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions from merger transactions</link:label>
    <link:label id="lab_bbva_ContributionsFromMergerTransactions_label_en-US" xlink:label="lab_bbva_ContributionsFromMergerTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions from merger transactions</link:label>
    <link:label id="lab_bbva_ContributionsFromMergerTransactions_documentation_en-US" xlink:label="lab_bbva_ContributionsFromMergerTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions from merger transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionsFromMergerTransactions" xlink:href="bbva-20221231.xsd#bbva_ContributionsFromMergerTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ContributionsFromMergerTransactions" xlink:to="lab_bbva_ContributionsFromMergerTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_ca728dd7-9bcb-44e4-8b86-f9370c4304af_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of property, plant and equipment, classified as investing activities</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of property, plant and equipment, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis_9389e83d-2654-4a81-a746-4dd5c9f0d9cf_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail [Axis]</link:label>
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    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TopOfRangeMember_f9bcf30b-f9d7-4314-9f3e-275f77a144b0_terseLabel_en-US" xlink:label="lab_ifrs-full_TopOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Top of range [member]</link:label>
    <link:label id="lab_ifrs-full_TopOfRangeMember_label_en-US" xlink:label="lab_ifrs-full_TopOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Top of range [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TopOfRangeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_TopOfRangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TopOfRangeMember" xlink:to="lab_ifrs-full_TopOfRangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasicPointLineItems_33fe6a7c-eee0-4326-879d-ec4e9035cf10_terseLabel_en-US" xlink:label="lab_bbva_BasicPointLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic point [Line Items]</link:label>
    <link:label id="lab_bbva_BasicPointLineItems_label_en-US" xlink:label="lab_bbva_BasicPointLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic point [Line Items]</link:label>
    <link:label id="lab_bbva_BasicPointLineItems_documentation_en-US" xlink:label="lab_bbva_BasicPointLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic point</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasicPointLineItems" xlink:href="bbva-20221231.xsd#bbva_BasicPointLineItems"/>
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    <link:label id="lab_bbva_BBVABBPlusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABBPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB Plus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABBPlusRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVABBPlusRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVABBPlusRatingMember" xlink:to="lab_bbva_BBVABBPlusRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitsTable_f3b05b0a-4d8a-4e25-8c23-6d578fd9bc12_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefits [Table]</link:label>
    <link:label id="lab_bbva_DefinedBenefitsTable_label_en-US" xlink:label="lab_bbva_DefinedBenefitsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefits [Table]</link:label>
    <link:label id="lab_bbva_DefinedBenefitsTable_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitsTable" xlink:href="bbva-20221231.xsd#bbva_DefinedBenefitsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitsTable" xlink:to="lab_bbva_DefinedBenefitsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfDebtSecuritiesByRating_340a61e4-ed39-40e1-a1e5-1f887ae36006_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of debt securities by rating</link:label>
    <link:label id="lab_bbva_FairValueOfDebtSecuritiesByRating_label_en-US" xlink:label="lab_bbva_FairValueOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of debt securities by rating</link:label>
    <link:label id="lab_bbva_FairValueOfDebtSecuritiesByRating_documentation_en-US" xlink:label="lab_bbva_FairValueOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of debt securities by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfDebtSecuritiesByRating" xlink:href="bbva-20221231.xsd#bbva_FairValueOfDebtSecuritiesByRating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfDebtSecuritiesByRating" xlink:to="lab_bbva_FairValueOfDebtSecuritiesByRating" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxLiabilities_449b4d7f-d220-4853-9c47-471445d29b04_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current tax liabilities</link:label>
    <link:label id="lab_ifrs-full_CurrentTaxLiabilities_label_en-US" xlink:label="lab_ifrs-full_CurrentTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current tax liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentTaxLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CurrentTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentTaxLiabilities" xlink:to="lab_ifrs-full_CurrentTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets_b04da808-bf4c-484f-bff2-4e40ae834183_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance account for credit losses of financial assets</link:label>
    <link:label id="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets_912dac02-08eb-4579-b992-facf4cd6ecc3_terseLabel_en-US" xlink:label="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance account for credit losses of financial assets</link:label>
    <link:label id="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance account for credit losses of financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:to="lab_ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of comprehensive income [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities_19c84f75-0bde-4614-8c91-4dcce24bcfce_terseLabel_en-US" xlink:label="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows liabilities from financing activities</link:label>
    <link:label id="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities_label_en-US" xlink:label="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows liabilities from financing activities</link:label>
    <link:label id="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows liabilities from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:href="bbva-20221231.xsd#bbva_CashFlowsLiabilitiesFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:to="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock_e2a64c8f-4649-4c6f-b62e-344ea3c3ce48_terseLabel_en-US" xlink:label="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net defined benefit liability asset on the consolidated balance sheet [Table Text Block]</link:label>
    <link:label id="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net defined benefit liability asset on the consolidated balance sheet [Table Text Block]</link:label>
    <link:label id="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock_documentation_en-US" xlink:label="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net defined benefit liability asset on the consolidated balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:to="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier2EligibleCapitalResources_648e71c6-b9a2-4a8e-9022-de27de04f632_terseLabel_en-US" xlink:label="lab_bbva_Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 eligible capital resources</link:label>
    <link:label id="lab_bbva_Tier2EligibleCapitalResources_label_en-US" xlink:label="lab_bbva_Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 eligible capital resources</link:label>
    <link:label id="lab_bbva_Tier2EligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2EligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_Tier2EligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier2EligibleCapitalResources" xlink:to="lab_bbva_Tier2EligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset_f688ccd4-03dc-42cb-a8dc-b4050091912a_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems_4ef3728f-9460-437a-a80b-42db1bd8e87c_terseLabel_en-US" xlink:label="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows of liabilities under reinsurance and reinsurance contracts Line Items [Line Items]</link:label>
    <link:label id="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems_label_en-US" xlink:label="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows of liabilities under reinsurance and reinsurance contracts Line Items [Line Items]</link:label>
    <link:label id="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems_documentation_en-US" xlink:label="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows of liabilities under reinsurance and reinsurance contracts Line Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" xlink:href="bbva-20221231.xsd#bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" xlink:to="lab_bbva_CashFlowsOfLiabilitiesUnderReinsuranceAndReinsuranceContractsLineItemsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_USD_c381d7c2-80ad-435d-a88c-463e61dd8a31_terseLabel_en-US" xlink:label="lab_currency_USD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">United States of America, Dollars</link:label>
    <link:label id="lab_currency_USD_label_en-US" xlink:label="lab_currency_USD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">United States of America, Dollars</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_USD" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_USD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_USD" xlink:to="lab_currency_USD" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ArgentinaBBVAMember_997afb31-9c46-4187-acdd-60a0d69b6d4d_terseLabel_en-US" xlink:label="lab_bbva_ArgentinaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Argentina BBVA [Member]</link:label>
    <link:label id="lab_bbva_ArgentinaBBVAMember_label_en-US" xlink:label="lab_bbva_ArgentinaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Argentina BBVA [Member]</link:label>
    <link:label id="lab_bbva_ArgentinaBBVAMember_documentation_en-US" xlink:label="lab_bbva_ArgentinaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Argentina BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ArgentinaBBVAMember" xlink:href="bbva-20221231.xsd#bbva_ArgentinaBBVAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ArgentinaBBVAMember" xlink:to="lab_bbva_ArgentinaBBVAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditDefaultSwapMember_741d37ee-719a-4697-95ca-19e25c8fdf38_terseLabel_en-US" xlink:label="lab_bbva_CreditDefaultSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit default swap [Member]</link:label>
    <link:label id="lab_bbva_CreditDefaultSwapMember_label_en-US" xlink:label="lab_bbva_CreditDefaultSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit default swap [Member]</link:label>
    <link:label id="lab_bbva_CreditDefaultSwapMember_documentation_en-US" xlink:label="lab_bbva_CreditDefaultSwapMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit default swap</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDefaultSwapMember" xlink:href="bbva-20221231.xsd#bbva_CreditDefaultSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditDefaultSwapMember" xlink:to="lab_bbva_CreditDefaultSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A1061To2121Member_8a7f66c0-5e65-4e6d-8ecb-bd3a2e8bdc6a_terseLabel_en-US" xlink:label="lab_bbva_A1061To2121Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">1061 to 2121 [Member]</link:label>
    <link:label id="lab_bbva_A1061To2121Member_label_en-US" xlink:label="lab_bbva_A1061To2121Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">1061 to 2121 [Member]</link:label>
    <link:label id="lab_bbva_A1061To2121Member_documentation_en-US" xlink:label="lab_bbva_A1061To2121Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">1061 to 2121</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A1061To2121Member" xlink:href="bbva-20221231.xsd#bbva_A1061To2121Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A1061To2121Member" xlink:to="lab_bbva_A1061To2121Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredShareRemunerationShareDomain_4e7c0193-4ba7-4579-a8d5-dea957953ad9_terseLabel_en-US" xlink:label="lab_bbva_DeferredShareRemunerationShareDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share remuneration share [Domain]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationShareDomain_label_en-US" xlink:label="lab_bbva_DeferredShareRemunerationShareDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share remuneration share [Domain]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationShareDomain_documentation_en-US" xlink:label="lab_bbva_DeferredShareRemunerationShareDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share remuneration share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationShareDomain" xlink:href="bbva-20221231.xsd#bbva_DeferredShareRemunerationShareDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredShareRemunerationShareDomain" xlink:to="lab_bbva_DeferredShareRemunerationShareDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseDebtForgiveness_00bd68e8-650f-4ec1-9fd1-0b4016adbcab_terseLabel_en-US" xlink:label="lab_bbva_DecreaseDebtForgiveness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease debt forgiveness</link:label>
    <link:label id="lab_bbva_DecreaseDebtForgiveness_label_en-US" xlink:label="lab_bbva_DecreaseDebtForgiveness" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease debt forgiveness</link:label>
    <link:label id="lab_bbva_DecreaseDebtForgiveness_documentation_en-US" xlink:label="lab_bbva_DecreaseDebtForgiveness" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease debt forgiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseDebtForgiveness" xlink:href="bbva-20221231.xsd#bbva_DecreaseDebtForgiveness"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseDebtForgiveness" xlink:to="lab_bbva_DecreaseDebtForgiveness" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByOperatingSegmentLineItems_bcfecf44-a6dd-460e-bd96-da9f4a97ad13_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">income by operating segment [Line Items]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentLineItems_label_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by operating segment [Line Items]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentLineItems_documentation_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by operating segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentLineItems" xlink:href="bbva-20221231.xsd#bbva_IncomeByOperatingSegmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByOperatingSegmentLineItems" xlink:to="lab_bbva_IncomeByOperatingSegmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem_81a02537-5217-45ca-8128-7ad98c28c117_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities at fair value memorandum item</link:label>
    <link:label id="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem_label_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities at fair value memorandum item</link:label>
    <link:label id="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem_documentation_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities at fair value memorandum item</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" xlink:href="bbva-20221231.xsd#bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" xlink:to="lab_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityImpactTable_f451c64d-7a26-42b1-8c36-d49dfbf9beeb_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact [Table]</link:label>
    <link:label id="lab_bbva_EquityImpactTable_label_en-US" xlink:label="lab_bbva_EquityImpactTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact [Table]</link:label>
    <link:label id="lab_bbva_EquityImpactTable_documentation_en-US" xlink:label="lab_bbva_EquityImpactTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactTable" xlink:href="bbva-20221231.xsd#bbva_EquityImpactTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityImpactTable" xlink:to="lab_bbva_EquityImpactTable" xlink:type="arc" order="1"/>
    <link:label id="lab_sic_Z6189_07aabbeb-af69-4148-9d29-89cfeb653435_terseLabel_en-US" xlink:label="lab_sic_Z6189" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">6189 Asset, Backed Securities [Member]</link:label>
    <link:label id="lab_sic_Z6189_label_en-US" xlink:label="lab_sic_Z6189" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">6189 Asset, Backed Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_sic_Z6189" xlink:href="https://xbrl.sec.gov/sic/2022/sic-2022.xsd#sic_Z6189"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_sic_Z6189" xlink:to="lab_sic_Z6189" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAxis_cabfd44c-ebe8-4e36-922d-731f2e6e9cfe_terseLabel_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAxis_label_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfPaymentDeferralAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfPaymentDeferralAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfPaymentDeferralAxis" xlink:to="lab_bbva_TypeOfPaymentDeferralAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock_48e9d4f6-8bd3-4e20-9fdd-c79fe48e5674_terseLabel_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees by concept [Table Text Block]</link:label>
    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock_label_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees by concept [Table Text Block]</link:label>
    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees by concept</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" xlink:to="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesByConceptTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities_bff07ea7-adfd-464c-af42-fcabec0488f6_terseLabel_en-US" xlink:label="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds From Other Collections Related To Investing Activities</link:label>
    <link:label id="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities_label_en-US" xlink:label="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds From Other Collections Related To Investing Activities</link:label>
    <link:label id="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities_documentation_en-US" xlink:label="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds From Other Collections Related To Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" xlink:href="bbva-20221231.xsd#bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" xlink:to="lab_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions_6dfdd7d0-e9d4-4b20-bb26-068fee42bdb5_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Guarantees Given Related Party Transactions</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions_label_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Guarantees Given Related Party Transactions</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions_documentation_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Guarantees Given Related Party Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:href="bbva-20221231.xsd#bbva_FinancialGuaranteesGivenRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:to="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable_090ee04c-e540-4b26-88d9-a6da80848de0_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by company of retained earnings revaluation reserves and other reserves [Table]</link:label>
    <link:label id="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable_label_en-US" xlink:label="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by company of retained earnings revaluation reserves and other reserves [Table]</link:label>
    <link:label id="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable_documentation_en-US" xlink:label="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by company of retained earnings revaluation reserves and other reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:href="bbva-20221231.xsd#bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:to="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsByCountryAxis_7b325a65-45a5-41b4-8ca4-21515d5a93b5_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments by country [Axis]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsByCountryAxis_label_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments by country [Axis]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsByCountryAxis_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsByCountryAxis" xlink:to="lab_bbva_EquityInstrumentsByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DividendsValuationAdjustmentsAndOthers_e30fced6-83c6-4291-9033-1582ee871b73_terseLabel_en-US" xlink:label="lab_bbva_DividendsValuationAdjustmentsAndOthers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends valuation adjustments and others</link:label>
    <link:label id="lab_bbva_DividendsValuationAdjustmentsAndOthers_label_en-US" xlink:label="lab_bbva_DividendsValuationAdjustmentsAndOthers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends valuation adjustments and others</link:label>
    <link:label id="lab_bbva_DividendsValuationAdjustmentsAndOthers_documentation_en-US" xlink:label="lab_bbva_DividendsValuationAdjustmentsAndOthers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends valuation adjustments and others</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DividendsValuationAdjustmentsAndOthers" xlink:href="bbva-20221231.xsd#bbva_DividendsValuationAdjustmentsAndOthers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DividendsValuationAdjustmentsAndOthers" xlink:to="lab_bbva_DividendsValuationAdjustmentsAndOthers" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensation_26b6efbc-3924-43d7-af41-1daedf5713ad_terseLabel_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Key management personnel compensation</link:label>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensation_label_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Key management personnel compensation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_KeyManagementPersonnelCompensation" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_KeyManagementPersonnelCompensation" xlink:to="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesMember_c6ef00d5-8d8d-4530-b626-38d22dce543a_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives [Member]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesMember_label_en-US" xlink:label="lab_bbva_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives [Member]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesMember_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesMember" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesMember" xlink:to="lab_bbva_HedgingDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsLineItems_da15f3b8-1c53-435f-b76f-db940b729dfc_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Line Items]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsLineItems_label_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Line Items]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:href="bbva-20221231.xsd#bbva_EncumberedAndUnencumberedAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:to="lab_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentsInListedMarketsTableTextBlock_32037a31-577f-4322-a45e-c365440d3f5a_terseLabel_en-US" xlink:label="lab_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in listed markets [Table Text Block]</link:label>
    <link:label id="lab_bbva_InvestmentsInListedMarketsTableTextBlock_label_en-US" xlink:label="lab_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in listed markets [Table Text Block]</link:label>
    <link:label id="lab_bbva_InvestmentsInListedMarketsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_InvestmentsInListedMarketsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:to="lab_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRByRiskFactorDomain_f6e26d97-fd82-4d0a-afec-03085252e20c_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Domain]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorDomain_label_en-US" xlink:label="lab_bbva_VaRByRiskFactorDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Domain]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorDomain_documentation_en-US" xlink:label="lab_bbva_VaRByRiskFactorDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorDomain" xlink:href="bbva-20221231.xsd#bbva_VaRByRiskFactorDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRByRiskFactorDomain" xlink:to="lab_bbva_VaRByRiskFactorDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentProperty_0a22d3ec-1208-4bea-b94d-c5d1ea1b2613_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentProperty" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment property</link:label>
    <link:label id="lab_ifrs-full_InvestmentProperty_label_en-US" xlink:label="lab_ifrs-full_InvestmentProperty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment property</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentProperty" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InvestmentProperty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentProperty" xlink:to="lab_ifrs-full_InvestmentProperty" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueAndCarryingValueDomain_a9d6f8f4-ac3e-45d0-984a-289ef91d1514_terseLabel_en-US" xlink:label="lab_bbva_FairValueAndCarryingValueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying value [Domain]</link:label>
    <link:label id="lab_bbva_FairValueAndCarryingValueDomain_label_en-US" xlink:label="lab_bbva_FairValueAndCarryingValueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying value [Domain]</link:label>
    <link:label id="lab_bbva_FairValueAndCarryingValueDomain_documentation_en-US" xlink:label="lab_bbva_FairValueAndCarryingValueDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueAndCarryingValueDomain" xlink:href="bbva-20221231.xsd#bbva_FairValueAndCarryingValueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueAndCarryingValueDomain" xlink:to="lab_bbva_FairValueAndCarryingValueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsTable_30eaead5-c1f6-4955-9f5d-8ac0b4f5f4f8_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Table]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsTable_label_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Table]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsTable_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsTable" xlink:href="bbva-20221231.xsd#bbva_ExecutiveDirectorsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveDirectorsTable" xlink:to="lab_bbva_ExecutiveDirectorsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_7c35815a-ed22-4ef7-9ac0-78e6ff278db6_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems_0c06d8ce-fcac-45ca-8935-6a1de05c68bb_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees and other commitments [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems_label_en-US" xlink:label="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees and other commitments [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees and other commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialGuaranteesAndOtherCommitmentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:to="lab_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsAxis_689e5467-f6c1-42fd-b433-a10470193619_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Axis]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsAxis_label_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Axis]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsAxis_documentation_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:href="bbva-20221231.xsd#bbva_EncumberedAndUnencumberedAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:to="lab_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_16d9b7ad-c2c8-448c-8073-57c9caf5873e_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost, category [member]</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Volatility_ee355355-02a1-4cbc-8634-c0fd21755612_terseLabel_en-US" xlink:label="lab_bbva_Volatility" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Volatility</link:label>
    <link:label id="lab_bbva_Volatility_label_en-US" xlink:label="lab_bbva_Volatility" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Volatility</link:label>
    <link:label id="lab_bbva_Volatility_documentation_en-US" xlink:label="lab_bbva_Volatility" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Volatility</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Volatility" xlink:href="bbva-20221231.xsd#bbva_Volatility"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Volatility" xlink:to="lab_bbva_Volatility" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain_5ecea6f0-c1ae-4b15-be77-1c5578460771_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Domain]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain_label_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Domain]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain_documentation_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:href="bbva-20221231.xsd#bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:to="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherServicesMember_7556ea2f-2279-4c30-ae66-5a49af0ab4df_terseLabel_en-US" xlink:label="lab_bbva_OtherServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services [Member]</link:label>
    <link:label id="lab_bbva_OtherServicesMember_label_en-US" xlink:label="lab_bbva_OtherServicesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services [Member]</link:label>
    <link:label id="lab_bbva_OtherServicesMember_documentation_en-US" xlink:label="lab_bbva_OtherServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherServicesMember" xlink:href="bbva-20221231.xsd#bbva_OtherServicesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherServicesMember" xlink:to="lab_bbva_OtherServicesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems_8bbfbfcc-dbcc-429c-9834-782b76ecb9f0_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SociedadesInmobiliariasCXMember_46d2a6a0-5aa8-402b-8d51-47e7ceea94e5_terseLabel_en-US" xlink:label="lab_bbva_SociedadesInmobiliariasCXMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sociedades inmobiliarias CX [Member]</link:label>
    <link:label id="lab_bbva_SociedadesInmobiliariasCXMember_label_en-US" xlink:label="lab_bbva_SociedadesInmobiliariasCXMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sociedades inmobiliarias CX [Member]</link:label>
    <link:label id="lab_bbva_SociedadesInmobiliariasCXMember_documentation_en-US" xlink:label="lab_bbva_SociedadesInmobiliariasCXMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sociedades inmobiliarias CX</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SociedadesInmobiliariasCXMember" xlink:href="bbva-20221231.xsd#bbva_SociedadesInmobiliariasCXMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SociedadesInmobiliariasCXMember" xlink:to="lab_bbva_SociedadesInmobiliariasCXMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_d9fc1c70-eaca-4ef2-86f5-1a11aba0ef50_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract_a818c052-75c2-4971-b17c-008000b76943_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Abstract]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract_label_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Abstract]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract_documentation_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:href="bbva-20221231.xsd#bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:to="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostTable_e98ec5ee-1b3e-4918-8c74-3b70c2a95f61_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at amortized cost [Table]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostTable_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at amortized cost [Table]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostTable_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAtAmortizedCostTable" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesAtAmortizedCostTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesAtAmortizedCostTable" xlink:to="lab_bbva_DebtSecuritiesAtAmortizedCostTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BilbaoVizcayaHoldingSAMember_8a20b245-ee9a-45ce-b3b3-bc6145d0d2f7_terseLabel_en-US" xlink:label="lab_bbva_BilbaoVizcayaHoldingSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bilbao Vizcaya Holding SA [Member]</link:label>
    <link:label id="lab_bbva_BilbaoVizcayaHoldingSAMember_label_en-US" xlink:label="lab_bbva_BilbaoVizcayaHoldingSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bilbao Vizcaya Holding SA [Member]</link:label>
    <link:label id="lab_bbva_BilbaoVizcayaHoldingSAMember_documentation_en-US" xlink:label="lab_bbva_BilbaoVizcayaHoldingSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bilbao Vizcaya Holding SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BilbaoVizcayaHoldingSAMember" xlink:href="bbva-20221231.xsd#bbva_BilbaoVizcayaHoldingSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BilbaoVizcayaHoldingSAMember" xlink:to="lab_bbva_BilbaoVizcayaHoldingSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichHeldByOtherSubsidiariesMember_f2c8ac42-4806-47b0-a4b7-a6e87d47176b_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHeldByOtherSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by other subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_OfWhichHeldByOtherSubsidiariesMember_label_en-US" xlink:label="lab_bbva_OfWhichHeldByOtherSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by other subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_OfWhichHeldByOtherSubsidiariesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichHeldByOtherSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by other subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichHeldByOtherSubsidiariesMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichHeldByOtherSubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichHeldByOtherSubsidiariesMember" xlink:to="lab_bbva_OfWhichHeldByOtherSubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfScaleDomain_842dea96-65a3-48a2-a00d-816b3d2338a7_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfScaleDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of scale [Domain]</link:label>
    <link:label id="lab_bbva_DisclosureOfScaleDomain_label_en-US" xlink:label="lab_bbva_DisclosureOfScaleDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of scale [Domain]</link:label>
    <link:label id="lab_bbva_DisclosureOfScaleDomain_documentation_en-US" xlink:label="lab_bbva_DisclosureOfScaleDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of scale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfScaleDomain" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfScaleDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfScaleDomain" xlink:to="lab_bbva_DisclosureOfScaleDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities_6a25abd3-4885-4836-994b-9f933226d3a6_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other cash payments to acquire interests in joint ventures, classified as investing activities</link:label>
    <link:label id="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other cash payments to acquire interests in joint ventures, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestRateAxis_2193fc5b-1800-4fbf-bf52-92d6bf1fede9_terseLabel_en-US" xlink:label="lab_bbva_InterestRateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate [Axis]</link:label>
    <link:label id="lab_bbva_InterestRateAxis_label_en-US" xlink:label="lab_bbva_InterestRateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate [Axis]</link:label>
    <link:label id="lab_bbva_InterestRateAxis_documentation_en-US" xlink:label="lab_bbva_InterestRateAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRateAxis" xlink:href="bbva-20221231.xsd#bbva_InterestRateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestRateAxis" xlink:to="lab_bbva_InterestRateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionsMember_f56b6f62-12c5-4e0c-8b94-63cfb97626a8_terseLabel_en-US" xlink:label="lab_bbva_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pensions [Member]</link:label>
    <link:label id="lab_bbva_PensionsMember_label_en-US" xlink:label="lab_bbva_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pensions [Member]</link:label>
    <link:label id="lab_bbva_PensionsMember_documentation_en-US" xlink:label="lab_bbva_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionsMember" xlink:href="bbva-20221231.xsd#bbva_PensionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionsMember" xlink:to="lab_bbva_PensionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesAxis_1177ef73-ff45-4e0b-a223-192cfed8a94b_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Categories of related parties [axis]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesAxis_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Categories of related parties [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CategoriesOfRelatedPartiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:to="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalStageMember_8264f10d-6733-432f-a2b4-0ab9feffe8b7_terseLabel_en-US" xlink:label="lab_bbva_TotalStageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total stage [Member]</link:label>
    <link:label id="lab_bbva_TotalStageMember_label_en-US" xlink:label="lab_bbva_TotalStageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total stage [Member]</link:label>
    <link:label id="lab_bbva_TotalStageMember_documentation_en-US" xlink:label="lab_bbva_TotalStageMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total stage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalStageMember" xlink:href="bbva-20221231.xsd#bbva_TotalStageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalStageMember" xlink:to="lab_bbva_TotalStageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfCounterpartyAxis_4b12a753-78a0-4473-93b4-7e271464f93a_terseLabel_en-US" xlink:label="lab_bbva_TypeOfCounterpartyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of counterparty [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfCounterpartyAxis_label_en-US" xlink:label="lab_bbva_TypeOfCounterpartyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of counterparty [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfCounterpartyAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfCounterpartyAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of counterparty</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfCounterpartyAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfCounterpartyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfCounterpartyAxis" xlink:to="lab_bbva_TypeOfCounterpartyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member_5121ae1c-fe9f-472a-b0c4-b986aba21da6_terseLabel_en-US" xlink:label="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A6138 Fixed Rate Senior Non-Preferred Notes Due2028 [Member]</link:label>
    <link:label id="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member_label_en-US" xlink:label="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A6138 Fixed Rate Senior Non-Preferred Notes Due2028 [Member]</link:label>
    <link:label id="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member_documentation_en-US" xlink:label="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A6138 Fixed Rate Senior Non-Preferred Notes Due2028</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:href="bbva-20221231.xsd#bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:to="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FixedIncomeMember_f1543e80-b7f4-4dc8-98d3-8410b61896f0_terseLabel_en-US" xlink:label="lab_bbva_FixedIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed income [Member]</link:label>
    <link:label id="lab_bbva_FixedIncomeMember_label_en-US" xlink:label="lab_bbva_FixedIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed income [Member]</link:label>
    <link:label id="lab_bbva_FixedIncomeMember_documentation_en-US" xlink:label="lab_bbva_FixedIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FixedIncomeMember" xlink:href="bbva-20221231.xsd#bbva_FixedIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FixedIncomeMember" xlink:to="lab_bbva_FixedIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Sensitivity1ForeignCurrencyLineItems_97285f62-b6be-41ae-a5f4-3c42ccf39b04_terseLabel_en-US" xlink:label="lab_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity 1 foreign currency [Line Items]</link:label>
    <link:label id="lab_bbva_Sensitivity1ForeignCurrencyLineItems_label_en-US" xlink:label="lab_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity 1 foreign currency [Line Items]</link:label>
    <link:label id="lab_bbva_Sensitivity1ForeignCurrencyLineItems_documentation_en-US" xlink:label="lab_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity 1 foreign currency</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:href="bbva-20221231.xsd#bbva_Sensitivity1ForeignCurrencyLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:to="lab_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfDebtSecurities_94035d58-ee40-4f09-baa2-b1ec9f0d619f_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">of which loss allowances of debt securities</link:label>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfDebtSecurities_label_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which loss allowances of debt securities</link:label>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfDebtSecurities_documentation_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which loss allowances of debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:href="bbva-20221231.xsd#bbva_OfWhichLossAllowancesOfDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:to="lab_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherInterestIncomeInterestAndOtherIncome_ef9855e9-bccb-4142-a83e-22eaf5aae37e_terseLabel_en-US" xlink:label="lab_bbva_OtherInterestIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Interest Income Interest And Other Income</link:label>
    <link:label id="lab_bbva_OtherInterestIncomeInterestAndOtherIncome_label_en-US" xlink:label="lab_bbva_OtherInterestIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Interest Income Interest And Other Income</link:label>
    <link:label id="lab_bbva_OtherInterestIncomeInterestAndOtherIncome_documentation_en-US" xlink:label="lab_bbva_OtherInterestIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Interest Income Interest And Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherInterestIncomeInterestAndOtherIncome" xlink:href="bbva-20221231.xsd#bbva_OtherInterestIncomeInterestAndOtherIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherInterestIncomeInterestAndOtherIncome" xlink:to="lab_bbva_OtherInterestIncomeInterestAndOtherIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost_5d14b7ee-bb11-4c3b-bbc0-79c02ba65aad_terseLabel_en-US" xlink:label="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized losses of debt securities at amortized cost</link:label>
    <link:label id="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized losses of debt securities at amortized cost</link:label>
    <link:label id="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized losses of debt securities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" xlink:to="lab_bbva_UnrealizedLossesOfDebtSecuritiesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersFromStage3_55ac36a0-2c9a-44ed-97f3-41d445c7a817_terseLabel_en-US" xlink:label="lab_bbva_TransfersFromStage3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers from stage 3</link:label>
    <link:label id="lab_bbva_TransfersFromStage3_label_en-US" xlink:label="lab_bbva_TransfersFromStage3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers from stage 3</link:label>
    <link:label id="lab_bbva_TransfersFromStage3_documentation_en-US" xlink:label="lab_bbva_TransfersFromStage3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers from stage 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersFromStage3" xlink:href="bbva-20221231.xsd#bbva_TransfersFromStage3"/>
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    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems_18c0ea18-83e8-4971-ac03-028d86ded540_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration For Non Executive Directors [Line Items]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems_label_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration For Non Executive Directors [Line Items]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems_documentation_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration For Non Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:href="bbva-20221231.xsd#bbva_RemunerationForNonExecutiveDirectorsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:to="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PlanAssetsAtFairValue_cac6733a-171d-49b1-9398-b081f0657110_terseLabel_en-US" xlink:label="lab_ifrs-full_PlanAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets, at fair value</link:label>
    <link:label id="lab_ifrs-full_PlanAssetsAtFairValue_label_en-US" xlink:label="lab_ifrs-full_PlanAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets, at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PlanAssetsAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PlanAssetsAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PlanAssetsAtFairValue" xlink:to="lab_ifrs-full_PlanAssetsAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfMembersAxis_982f21c7-d97a-4440-9258-86c7ae80e676_terseLabel_en-US" xlink:label="lab_bbva_TypeOfMembersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of members [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfMembersAxis_label_en-US" xlink:label="lab_bbva_TypeOfMembersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of members [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfMembersAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfMembersAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of members</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfMembersAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfMembersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfMembersAxis" xlink:to="lab_bbva_TypeOfMembersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitAdjusted_57120839-fc1d-45b0-bb72-be68c8eee29e_terseLabel_en-US" xlink:label="lab_bbva_ProfitAdjusted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit adjusted</link:label>
    <link:label id="lab_bbva_ProfitAdjusted_label_en-US" xlink:label="lab_bbva_ProfitAdjusted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit adjusted</link:label>
    <link:label id="lab_bbva_ProfitAdjusted_documentation_en-US" xlink:label="lab_bbva_ProfitAdjusted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit adjusted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitAdjusted" xlink:href="bbva-20221231.xsd#bbva_ProfitAdjusted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitAdjusted" xlink:to="lab_bbva_ProfitAdjusted" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_38a46a6d-1f41-485f-bc46-7a1f6b45499a_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities designated at fair value through profit or loss net</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and financial liabilities at fair value through profit or loss mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and financial liabilities at fair value through profit or loss mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:to="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_59358d99-f6b8-49e4-9bd3-33fad9756bef_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock_c296fe16-a339-4956-98e3-8090e7a8f932_terseLabel_en-US" xlink:label="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of financing with public guarantees of the Group by stages [Table Text Block]</link:label>
    <link:label id="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock_label_en-US" xlink:label="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of financing with public guarantees of the Group by stages [Table Text Block]</link:label>
    <link:label id="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of financing with public guarantees of the Group by stages</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" xlink:to="lab_bbva_AmountOfFinancingWithPublicGuaranteesOfTheGroupByStagesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxAssets_3582b36d-d6b8-428f-81de-0277702862d5_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current tax assets</link:label>
    <link:label id="lab_ifrs-full_CurrentTaxAssets_label_en-US" xlink:label="lab_ifrs-full_CurrentTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentTaxAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CurrentTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentTaxAssets" xlink:to="lab_ifrs-full_CurrentTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalSecuritizedLoans_9b33ffb3-c890-41dd-be6f-176a3863dab5_terseLabel_en-US" xlink:label="lab_bbva_TotalSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total securitized loans</link:label>
    <link:label id="lab_bbva_TotalSecuritizedLoans_label_en-US" xlink:label="lab_bbva_TotalSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total securitized loans</link:label>
    <link:label id="lab_bbva_TotalSecuritizedLoans_documentation_en-US" xlink:label="lab_bbva_TotalSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total securitized loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalSecuritizedLoans" xlink:href="bbva-20221231.xsd#bbva_TotalSecuritizedLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalSecuritizedLoans" xlink:to="lab_bbva_TotalSecuritizedLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailAxis_a72c15da-263a-4cc7-a64f-e285e9eb72f0_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_TangibleAssetsBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:to="lab_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByOperatingSegmentTable_78783290-46c5-48bc-b8dd-3381fcccfb03_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income By Operating Segment [Table]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentTable_label_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income By Operating Segment [Table]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentTable_documentation_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income By Operating Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentTable" xlink:href="bbva-20221231.xsd#bbva_IncomeByOperatingSegmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByOperatingSegmentTable" xlink:to="lab_bbva_IncomeByOperatingSegmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock_f36e6ed5-f9c1-4c75-b494-57e412ddf880_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates changes in the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock_label_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates changes in the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock_documentation_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:to="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain_56809d46-dda9-4b0d-966f-1e23a09ade35_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Domain]</link:label>
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    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
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    <link:label id="lab_bbva_RalGalambaMember_2a6c2236-72c9-4a63-b8fc-a25e24acdf71_terseLabel_en-US" xlink:label="lab_bbva_RalGalambaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ra&#250;l Galamba [Member]</link:label>
    <link:label id="lab_bbva_RalGalambaMember_label_en-US" xlink:label="lab_bbva_RalGalambaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ra&#250;l Galamba [Member]</link:label>
    <link:label id="lab_bbva_RalGalambaMember_documentation_en-US" xlink:label="lab_bbva_RalGalambaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ra&#250;l Galamba</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RalGalambaMember" xlink:href="bbva-20221231.xsd#bbva_RalGalambaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RalGalambaMember" xlink:to="lab_bbva_RalGalambaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFinancialAssets_155f5606-7c3d-4f25-89e2-7e4ba11187ca_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial assets</link:label>
    <link:label id="lab_ifrs-full_OtherFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_OtherFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherFinancialAssets" xlink:to="lab_ifrs-full_OtherFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashDivarian_15f3544f-76ed-4412-bdd3-087a63ea2f5e_terseLabel_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashDivarian" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash Divarian</link:label>
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    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashDivarian_documentation_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashDivarian" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash Divarian</link:label>
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    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis_1114fdf8-bcc4-45e2-8d0a-9580aada13a4_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by levels [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by levels [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_197c53bc-90a1-4639-b7c5-e712d5b7da8f_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments for increase (decrease) in financial liabilities held for trading</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments for increase (decrease) in financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:to="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestRateMeasureAtFairValue_7c24d0e5-fac1-4f1e-9963-f4e99cf2da73_terseLabel_en-US" xlink:label="lab_bbva_InterestRateMeasureAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate measure at fair value</link:label>
    <link:label id="lab_bbva_InterestRateMeasureAtFairValue_label_en-US" xlink:label="lab_bbva_InterestRateMeasureAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate measure at fair value</link:label>
    <link:label id="lab_bbva_InterestRateMeasureAtFairValue_documentation_en-US" xlink:label="lab_bbva_InterestRateMeasureAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate measure at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRateMeasureAtFairValue" xlink:href="bbva-20221231.xsd#bbva_InterestRateMeasureAtFairValue"/>
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    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_b3f01067-dd1a-4bd6-86e8-81860efea185_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income, before tax, exchange differences on translation</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income, before tax, exchange differences on translation of foreign operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AlturaMarketsSVSAMember_9125239d-0c9f-41a0-923b-69f06e9c2fea_terseLabel_en-US" xlink:label="lab_bbva_AlturaMarketsSVSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Altura markets SV SA [Member]</link:label>
    <link:label id="lab_bbva_AlturaMarketsSVSAMember_label_en-US" xlink:label="lab_bbva_AlturaMarketsSVSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Altura markets SV SA [Member]</link:label>
    <link:label id="lab_bbva_AlturaMarketsSVSAMember_documentation_en-US" xlink:label="lab_bbva_AlturaMarketsSVSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Altura markets SV SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AlturaMarketsSVSAMember" xlink:href="bbva-20221231.xsd#bbva_AlturaMarketsSVSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AlturaMarketsSVSAMember" xlink:to="lab_bbva_AlturaMarketsSVSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable_15ae1e5d-33e6-4f4b-b1ba-c71e60fe63da_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:to="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RetainedEarnings_2a0cd830-173f-4500-abc0-6ed96a9dd04f_terseLabel_en-US" xlink:label="lab_ifrs-full_RetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings</link:label>
    <link:label id="lab_ifrs-full_RetainedEarnings_label_en-US" xlink:label="lab_ifrs-full_RetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RetainedEarnings" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RetainedEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RetainedEarnings" xlink:to="lab_ifrs-full_RetainedEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyTable_26bac82f-de73-4a65-ac87-ccdf55a1919e_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Table]</link:label>
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    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyTable_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksBreakdownByGeographyTable"/>
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    <link:label id="lab_bbva_OfWhichProjectFinanceLoansMember_0d787dda-4960-4185-9eea-ab30b818946d_terseLabel_en-US" xlink:label="lab_bbva_OfWhichProjectFinanceLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which project finance loans [Member]</link:label>
    <link:label id="lab_bbva_OfWhichProjectFinanceLoansMember_label_en-US" xlink:label="lab_bbva_OfWhichProjectFinanceLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which project finance loans [Member]</link:label>
    <link:label id="lab_bbva_OfWhichProjectFinanceLoansMember_documentation_en-US" xlink:label="lab_bbva_OfWhichProjectFinanceLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which project finance loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichProjectFinanceLoansMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichProjectFinanceLoansMember"/>
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    <link:label id="lab_bbva_ValueOfGuaranteesDomain_658501c9-fe07-4573-953b-4dd306769a1d_terseLabel_en-US" xlink:label="lab_bbva_ValueOfGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vale of guarantees [Domain]</link:label>
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    <link:label id="lab_bbva_ValueOfGuaranteesDomain_documentation_en-US" xlink:label="lab_bbva_ValueOfGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of guarantees</link:label>
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    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock_4784c3f7-71d6-4a48-ab15-8215caf9e632_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Financial Assets At Fair Value Through Other Comprehensive Income [Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:to="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31_7781561c-3a8b-4279-b051-61fe91b1a461_terseLabel_en-US" xlink:label="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares accumulated as of December 31</link:label>
    <link:label id="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31_label_en-US" xlink:label="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares accumulated as of December 31</link:label>
    <link:label id="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31_documentation_en-US" xlink:label="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares accumulated as of December 31</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:href="bbva-20221231.xsd#bbva_TheoreticalSharesAccumulatedAsOfDecember31"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:to="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MainCurrenciesSensitivityDomain_ec56f265-1eb3-4c87-89df-a3f1831c1622_terseLabel_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main currencies sensitivity [Domain]</link:label>
    <link:label id="lab_bbva_MainCurrenciesSensitivityDomain_label_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main currencies sensitivity [Domain]</link:label>
    <link:label id="lab_bbva_MainCurrenciesSensitivityDomain_documentation_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main currencies sensitivity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainCurrenciesSensitivityDomain" xlink:href="bbva-20221231.xsd#bbva_MainCurrenciesSensitivityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MainCurrenciesSensitivityDomain" xlink:to="lab_bbva_MainCurrenciesSensitivityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditAndDebitCards_407308d5-b75f-474b-b780-dd769dab4b7b_terseLabel_en-US" xlink:label="lab_bbva_CreditAndDebitCards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit and Debit Cards</link:label>
    <link:label id="lab_bbva_CreditAndDebitCards_label_en-US" xlink:label="lab_bbva_CreditAndDebitCards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit and Debit Cards</link:label>
    <link:label id="lab_bbva_CreditAndDebitCards_documentation_en-US" xlink:label="lab_bbva_CreditAndDebitCards" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit and Debit Cards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditAndDebitCards" xlink:href="bbva-20221231.xsd#bbva_CreditAndDebitCards"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditAndDebitCards" xlink:to="lab_bbva_CreditAndDebitCards" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCost_f6c02183-2e08-4313-abe0-6093d693c639_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities at amortized cost</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities at amortized cost</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesAtAmortizedCost" xlink:to="lab_bbva_DebtSecuritiesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AcquisitionsAndCapitalIncreases_571114d0-13a8-4fad-a6ac-e77bad8747b2_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionsAndCapitalIncreases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisitions and capital increases</link:label>
    <link:label id="lab_bbva_AcquisitionsAndCapitalIncreases_label_en-US" xlink:label="lab_bbva_AcquisitionsAndCapitalIncreases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisitions and capital increases</link:label>
    <link:label id="lab_bbva_AcquisitionsAndCapitalIncreases_documentation_en-US" xlink:label="lab_bbva_AcquisitionsAndCapitalIncreases" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisitions and capital increases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcquisitionsAndCapitalIncreases" xlink:href="bbva-20221231.xsd#bbva_AcquisitionsAndCapitalIncreases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AcquisitionsAndCapitalIncreases" xlink:to="lab_bbva_AcquisitionsAndCapitalIncreases" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain_cb896210-e7b1-4bd7-a732-472f7532b144_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by levels [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by levels [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:to="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CarryingAmountMember_644588e5-e4ef-4d2e-a5d1-9db8c1ea2cdc_terseLabel_en-US" xlink:label="lab_ifrs-full_CarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carrying amount [member]</link:label>
    <link:label id="lab_ifrs-full_CarryingAmountMember_label_en-US" xlink:label="lab_ifrs-full_CarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carrying amount [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CarryingAmountMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CarryingAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CarryingAmountMember" xlink:to="lab_ifrs-full_CarryingAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsDomain_9ccb1a48-4a12-4d8b-b074-28cf50d67a5d_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Domain]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsDomain_label_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Domain]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsDomain_documentation_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:href="bbva-20221231.xsd#bbva_DepreciationRatesForTangibleAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:to="lab_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasuryStockTableTextBlock_c2c469ba-c8a2-4208-974e-9029ce609e1f_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock [Table Text Block]</link:label>
    <link:label id="lab_bbva_TreasuryStockTableTextBlock_label_en-US" xlink:label="lab_bbva_TreasuryStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock [Table Text Block]</link:label>
    <link:label id="lab_bbva_TreasuryStockTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TreasuryStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_TreasuryStockTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasuryStockTableTextBlock" xlink:to="lab_bbva_TreasuryStockTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations_924b9593-50e4-4a12-aa2e-96580ac8e675_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) investing activities, continuing operations</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) investing activities, continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations" xlink:to="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2024Member_aa863e60-6ba0-43de-a738-33f2c5ee1ffc_terseLabel_en-US" xlink:label="lab_bbva_A2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2024 [Member]</link:label>
    <link:label id="lab_bbva_A2024Member_label_en-US" xlink:label="lab_bbva_A2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2024 [Member]</link:label>
    <link:label id="lab_bbva_A2024Member_documentation_en-US" xlink:label="lab_bbva_A2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2024Member" xlink:href="bbva-20221231.xsd#bbva_A2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2024Member" xlink:to="lab_bbva_A2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet_b1604330-437f-4106-a1bf-c788ad54a50b_terseLabel_en-US" xlink:label="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal gains or losses in financial assets and liabilities net</link:label>
    <link:label id="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet_label_en-US" xlink:label="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal gains or losses in financial assets and liabilities net</link:label>
    <link:label id="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet_documentation_en-US" xlink:label="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal gains or losses in financial assets and liabilities net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:href="bbva-20221231.xsd#bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:to="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember_f1e3d5a2-9aae-4c62-8717-d5ae134825bf_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by Corporacion General Financiera SA [Member]</link:label>
    <link:label id="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember_label_en-US" xlink:label="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by Corporacion General Financiera SA [Member]</link:label>
    <link:label id="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember_documentation_en-US" xlink:label="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by Corporacion General Financiera SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" xlink:to="lab_bbva_OfWhichHeldByCorporacionGeneralFinancieraSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExchangeDifferences_10e28712-a8b5-4aba-ab53-c740c12ad7da_terseLabel_en-US" xlink:label="lab_bbva_ExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Exchange differences</link:label>
    <link:label id="lab_bbva_ExchangeDifferences_label_en-US" xlink:label="lab_bbva_ExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Exchange differences</link:label>
    <link:label id="lab_bbva_ExchangeDifferences_documentation_en-US" xlink:label="lab_bbva_ExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Exchange differences</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExchangeDifferences" xlink:href="bbva-20221231.xsd#bbva_ExchangeDifferences"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExchangeDifferences" xlink:to="lab_bbva_ExchangeDifferences" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain_4b8b2e8b-176f-4b57-8731-64a38e6ed0c6_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:to="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesDomain_34cd346f-55e4-40e7-871a-9eb65755c24a_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure by countries [Domain]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesDomain_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure by countries [Domain]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesDomain_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure by countries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureByCountriesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:to="lab_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BenefitPaymentsMember_0f393ffe-5f45-43f2-b51b-7949845e0384_terseLabel_en-US" xlink:label="lab_bbva_BenefitPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Benefit payments [Member]</link:label>
    <link:label id="lab_bbva_BenefitPaymentsMember_label_en-US" xlink:label="lab_bbva_BenefitPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Benefit payments [Member]</link:label>
    <link:label id="lab_bbva_BenefitPaymentsMember_documentation_en-US" xlink:label="lab_bbva_BenefitPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BenefitPaymentsMember" xlink:href="bbva-20221231.xsd#bbva_BenefitPaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BenefitPaymentsMember" xlink:to="lab_bbva_BenefitPaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasisPointsAxis_1ce8d294-af27-4d01-a9e1-9aea11e14d92_terseLabel_en-US" xlink:label="lab_bbva_BasisPointsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points [Axis]</link:label>
    <link:label id="lab_bbva_BasisPointsAxis_label_en-US" xlink:label="lab_bbva_BasisPointsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points [Axis]</link:label>
    <link:label id="lab_bbva_BasisPointsAxis_documentation_en-US" xlink:label="lab_bbva_BasisPointsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointsAxis" xlink:href="bbva-20221231.xsd#bbva_BasisPointsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasisPointsAxis" xlink:to="lab_bbva_BasisPointsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditInstitutionsMember_ab70a9e4-8eb1-4d6d-96a9-31ab88be332b_terseLabel_en-US" xlink:label="lab_bbva_CreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">credit institutions [Member]</link:label>
    <link:label id="lab_bbva_CreditInstitutionsMember_label_en-US" xlink:label="lab_bbva_CreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit institutions [Member]</link:label>
    <link:label id="lab_bbva_CreditInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_CreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditInstitutionsMember" xlink:href="bbva-20221231.xsd#bbva_CreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditInstitutionsMember" xlink:to="lab_bbva_CreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredLiabilitiesMember_f8e5d2d5-5b33-4fee-9cc1-5aee4951c5f4_terseLabel_en-US" xlink:label="lab_bbva_DeferredLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred liabilities [Member]</link:label>
    <link:label id="lab_bbva_DeferredLiabilitiesMember_label_en-US" xlink:label="lab_bbva_DeferredLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred liabilities [Member]</link:label>
    <link:label id="lab_bbva_DeferredLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_DeferredLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredLiabilitiesMember" xlink:href="bbva-20221231.xsd#bbva_DeferredLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredLiabilitiesMember" xlink:to="lab_bbva_DeferredLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalTier1_4bc469dd-8614-4341-aa91-462086cb93e0_terseLabel_en-US" xlink:label="lab_bbva_TotalTier1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Tier 1</link:label>
    <link:label id="lab_bbva_TotalTier1_label_en-US" xlink:label="lab_bbva_TotalTier1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Tier 1</link:label>
    <link:label id="lab_bbva_TotalTier1_documentation_en-US" xlink:label="lab_bbva_TotalTier1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Tier 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalTier1" xlink:href="bbva-20221231.xsd#bbva_TotalTier1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalTier1" xlink:to="lab_bbva_TotalTier1" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuedByCentralBanksMember_dc709506-b445-44ca-a198-f0ac92d71b5c_terseLabel_en-US" xlink:label="lab_bbva_IssuedByCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued by central banks [Member]</link:label>
    <link:label id="lab_bbva_IssuedByCentralBanksMember_label_en-US" xlink:label="lab_bbva_IssuedByCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued by central banks [Member]</link:label>
    <link:label id="lab_bbva_IssuedByCentralBanksMember_documentation_en-US" xlink:label="lab_bbva_IssuedByCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued by central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedByCentralBanksMember" xlink:href="bbva-20221231.xsd#bbva_IssuedByCentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuedByCentralBanksMember" xlink:to="lab_bbva_IssuedByCentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock_e182da88-1d43-4490-a55a-0a1ee4eae484_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA owned by third parties but managed by the Group [Table Text Block]</link:label>
    <link:label id="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock_label_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA owned by third parties but managed by the Group [Table Text Block]</link:label>
    <link:label id="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA owned by third parties but managed by the Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:to="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapital_fbb513e1-9c3d-4aad-ba06-01bb1535763f_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments issued other than capital</link:label>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapital_label_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments issued other than capital</link:label>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapital_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments issued other than capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsIssuedOtherThanCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:to="lab_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_9428ec39-b9df-401b-b22e-1227e501adbd_totalLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_215757f0-0562-4270-9e57-8f6875926c25_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncontrollingInterests" xlink:to="lab_ifrs-full_NoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfCapitalCC1Domain_a0dca032-34d1-4e9e-b6c9-45864f9c6ed6_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Domain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1 [Domain]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1Domain_label_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Domain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1 [Domain]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1Domain_documentation_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Domain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1Domain" xlink:href="bbva-20221231.xsd#bbva_AmountOfCapitalCC1Domain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfCapitalCC1Domain" xlink:to="lab_bbva_AmountOfCapitalCC1Domain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_210a4db5-91a5-4ff1-92ed-1742975a44ad_terseLabel_en-US" xlink:label="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from past service cost</link:label>
    <link:label id="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from past service cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MathematicalReservesBreakdownByCountryDomain_b33c0f8b-3156-49fc-9211-d39ef4e7fd3f_terseLabel_en-US" xlink:label="lab_bbva_MathematicalReservesBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves breakdown by country [Domain]</link:label>
    <link:label id="lab_bbva_MathematicalReservesBreakdownByCountryDomain_label_en-US" xlink:label="lab_bbva_MathematicalReservesBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves breakdown by country [Domain]</link:label>
    <link:label id="lab_bbva_MathematicalReservesBreakdownByCountryDomain_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves breakdown by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MathematicalReservesBreakdownByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_MathematicalReservesBreakdownByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MathematicalReservesBreakdownByCountryDomain" xlink:to="lab_bbva_MathematicalReservesBreakdownByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember_914aca3a-140e-4796-a051-3b0f93b8ada7_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification of financial assets from amortized cost [Member]</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember_label_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification of financial assets from amortized cost [Member]</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember_documentation_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification of financial assets from amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" xlink:href="bbva-20221231.xsd#bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" xlink:to="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OptionModelsOnFXUnderlyingsMember_4eed5321-796e-4191-89e7-2ce5925deb72_terseLabel_en-US" xlink:label="lab_bbva_OptionModelsOnFXUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on FX underlyings [Member]</link:label>
    <link:label id="lab_bbva_OptionModelsOnFXUnderlyingsMember_label_en-US" xlink:label="lab_bbva_OptionModelsOnFXUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on FX underlyings [Member]</link:label>
    <link:label id="lab_bbva_OptionModelsOnFXUnderlyingsMember_documentation_en-US" xlink:label="lab_bbva_OptionModelsOnFXUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on FX underlyings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OptionModelsOnFXUnderlyingsMember" xlink:href="bbva-20221231.xsd#bbva_OptionModelsOnFXUnderlyingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OptionModelsOnFXUnderlyingsMember" xlink:to="lab_bbva_OptionModelsOnFXUnderlyingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialIncomeFromNonFinancialServices_db09aaa2-8307-4a0e-a4e4-41d039fb4435_terseLabel_en-US" xlink:label="lab_bbva_FinancialIncomeFromNonFinancialServices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial income from non financial services</link:label>
    <link:label id="lab_bbva_FinancialIncomeFromNonFinancialServices_label_en-US" xlink:label="lab_bbva_FinancialIncomeFromNonFinancialServices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial income from non financial services</link:label>
    <link:label id="lab_bbva_FinancialIncomeFromNonFinancialServices_documentation_en-US" xlink:label="lab_bbva_FinancialIncomeFromNonFinancialServices" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial income from non financial services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialIncomeFromNonFinancialServices" xlink:href="bbva-20221231.xsd#bbva_FinancialIncomeFromNonFinancialServices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialIncomeFromNonFinancialServices" xlink:to="lab_bbva_FinancialIncomeFromNonFinancialServices" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MinorityInterestDomain_453d89d3-359f-434d-9ea6-498f59ec131b_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interest [Domain]</link:label>
    <link:label id="lab_bbva_MinorityInterestDomain_label_en-US" xlink:label="lab_bbva_MinorityInterestDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interest [Domain]</link:label>
    <link:label id="lab_bbva_MinorityInterestDomain_documentation_en-US" xlink:label="lab_bbva_MinorityInterestDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestDomain" xlink:href="bbva-20221231.xsd#bbva_MinorityInterestDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestDomain" xlink:to="lab_bbva_MinorityInterestDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PublicGuaranteesGivenByTheGroup_27a6859d-1566-4a03-af9b-9c3d9f4001ee_terseLabel_en-US" xlink:label="lab_bbva_PublicGuaranteesGivenByTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Public guarantees given by the group</link:label>
    <link:label id="lab_bbva_PublicGuaranteesGivenByTheGroup_label_en-US" xlink:label="lab_bbva_PublicGuaranteesGivenByTheGroup" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Public guarantees given by the group</link:label>
    <link:label id="lab_bbva_PublicGuaranteesGivenByTheGroup_documentation_en-US" xlink:label="lab_bbva_PublicGuaranteesGivenByTheGroup" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Public guarantees given by the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PublicGuaranteesGivenByTheGroup" xlink:href="bbva-20221231.xsd#bbva_PublicGuaranteesGivenByTheGroup"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PublicGuaranteesGivenByTheGroup" xlink:to="lab_bbva_PublicGuaranteesGivenByTheGroup" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock_68712a00-dec4-4222-80c8-bdc72aeeb4cc_terseLabel_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in other intangible assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in other intangible assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ChangesInOtherIntangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:to="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LCRMainLMULineItems_6f7fe320-1ff4-47b2-a8ce-e1a74d0d0b1c_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Line Items]</link:label>
    <link:label id="lab_bbva_LCRMainLMULineItems_label_en-US" xlink:label="lab_bbva_LCRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Line Items]</link:label>
    <link:label id="lab_bbva_LCRMainLMULineItems_documentation_en-US" xlink:label="lab_bbva_LCRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMULineItems" xlink:href="bbva-20221231.xsd#bbva_LCRMainLMULineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LCRMainLMULineItems" xlink:to="lab_bbva_LCRMainLMULineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SaleOrIssueOfTreasuryShares_73a8cbde-61f6-41fe-8b36-431c002cf54b_terseLabel_en-US" xlink:label="lab_ifrs-full_SaleOrIssueOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sale or issue of treasury shares</link:label>
    <link:label id="lab_ifrs-full_SaleOrIssueOfTreasuryShares_label_en-US" xlink:label="lab_ifrs-full_SaleOrIssueOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sale or issue of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SaleOrIssueOfTreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_SaleOrIssueOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SaleOrIssueOfTreasuryShares" xlink:to="lab_ifrs-full_SaleOrIssueOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsMember_77214051-0a68-404a-b4d0-95e26cb6545f_terseLabel_en-US" xlink:label="lab_bbva_DepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">deposits [Member]</link:label>
    <link:label id="lab_bbva_DepositsMember_label_en-US" xlink:label="lab_bbva_DepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits [Member]</link:label>
    <link:label id="lab_bbva_DepositsMember_documentation_en-US" xlink:label="lab_bbva_DepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsMember" xlink:href="bbva-20221231.xsd#bbva_DepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsMember" xlink:to="lab_bbva_DepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VenezuelaBBVAMember_04983253-33fb-4639-9934-10919753b8e1_terseLabel_en-US" xlink:label="lab_bbva_VenezuelaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Venezuela BBVA [Member]</link:label>
    <link:label id="lab_bbva_VenezuelaBBVAMember_label_en-US" xlink:label="lab_bbva_VenezuelaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Venezuela BBVA [Member]</link:label>
    <link:label id="lab_bbva_VenezuelaBBVAMember_documentation_en-US" xlink:label="lab_bbva_VenezuelaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Venezuela BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VenezuelaBBVAMember" xlink:href="bbva-20221231.xsd#bbva_VenezuelaBBVAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VenezuelaBBVAMember" xlink:to="lab_bbva_VenezuelaBBVAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems_52e858e0-490d-4249-bb45-96171340dad7_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liabilities or assets on the consolidated balance sheet [Line Items]</link:label>
    <link:label id="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems_label_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liabilities or assets on the consolidated balance sheet [Line Items]</link:label>
    <link:label id="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liabilities or assets on the consolidated balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:href="bbva-20221231.xsd#bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:to="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueByLevelsTable_0f5d6852-5a8a-4b56-a7d1-c7c58b446ffa_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value by levels [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueByLevelsTable_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value by levels [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueByLevelsTable_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueByLevelsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:to="lab_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTable_08c885c7-5c5b-40c6-8376-cae436cf7d9f_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Table]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTable_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Table]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTable_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsTable" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsTable" xlink:to="lab_bbva_MedicalBenefitsCommitmentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LIBORUSD_9bb7b458-7a0e-453c-a58f-f8dd8305415b_terseLabel_en-US" xlink:label="lab_bbva_LIBORUSD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR USD</link:label>
    <link:label id="lab_bbva_LIBORUSD_label_en-US" xlink:label="lab_bbva_LIBORUSD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR USD</link:label>
    <link:label id="lab_bbva_LIBORUSD_documentation_en-US" xlink:label="lab_bbva_LIBORUSD" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR USD</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LIBORUSD" xlink:href="bbva-20221231.xsd#bbva_LIBORUSD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LIBORUSD" xlink:to="lab_bbva_LIBORUSD" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember_2880dace-8831-4cf4-9585-b04b2455430f_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repo securities borrowing and margin lending [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember_label_en-US" xlink:label="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repo securities borrowing and margin lending [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember_documentation_en-US" xlink:label="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repo securities borrowing and margin lending</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:href="bbva-20221231.xsd#bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:to="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SocialSecurityContributions_7ae43a29-e22c-4090-8c4b-54b743b5d693_terseLabel_en-US" xlink:label="lab_ifrs-full_SocialSecurityContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Social security contributions</link:label>
    <link:label id="lab_ifrs-full_SocialSecurityContributions_label_en-US" xlink:label="lab_ifrs-full_SocialSecurityContributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Social security contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SocialSecurityContributions" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_SocialSecurityContributions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SocialSecurityContributions" xlink:to="lab_ifrs-full_SocialSecurityContributions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_a88b00a2-53e5-4c71-89ec-1cfb15b72a07_terseLabel_en-US" xlink:label="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</link:label>
    <link:label id="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_label_en-US" xlink:label="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</link:label>
    <link:label id="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_documentation_en-US" xlink:label="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:href="bbva-20221231.xsd#bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable_d5b36b1d-0d30-41b4-9b2e-cdd88013d98d_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions CGU goodwill in Mexico [Table]</link:label>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable_label_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions CGU goodwill in Mexico [Table]</link:label>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable_documentation_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions CGU goodwill in Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:href="bbva-20221231.xsd#bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:to="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember_593ab517-e1a1-4e53-9486-59c1797b144c_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC other financial corporations [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember_label_en-US" xlink:label="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC other financial corporations [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember_documentation_en-US" xlink:label="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC other financial corporations</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:to="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndReceivablesLineItems_039bb082-2451-4656-ac8b-52d7153fe375_terseLabel_en-US" xlink:label="lab_bbva_LoansAndReceivablesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and receivables [Line Items]</link:label>
    <link:label id="lab_bbva_LoansAndReceivablesLineItems_label_en-US" xlink:label="lab_bbva_LoansAndReceivablesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and receivables [Line Items]</link:label>
    <link:label id="lab_bbva_LoansAndReceivablesLineItems_documentation_en-US" xlink:label="lab_bbva_LoansAndReceivablesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and receivables</link:label>
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    <link:label id="lab_bbva_DebtCertificatesAtFairValue_0d0f520b-5783-4169-a424-cbc32c13dfe9_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates at fair value</link:label>
    <link:label id="lab_bbva_DebtCertificatesAtFairValue_label_en-US" xlink:label="lab_bbva_DebtCertificatesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates at fair value</link:label>
    <link:label id="lab_bbva_DebtCertificatesAtFairValue_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesAtFairValue" xlink:href="bbva-20221231.xsd#bbva_DebtCertificatesAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtCertificatesAtFairValue" xlink:to="lab_bbva_DebtCertificatesAtFairValue" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_MathematicalReservesBreakdownByCountryAxis_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves breakdown by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MathematicalReservesBreakdownByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_MathematicalReservesBreakdownByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MathematicalReservesBreakdownByCountryAxis" xlink:to="lab_bbva_MathematicalReservesBreakdownByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable_6e40008d-69a0-48f2-b8e8-46a59a3410b0_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Table]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable_label_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Table]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable_documentation_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:href="bbva-20221231.xsd#bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:to="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember_88227fac-a826-4376-a0b2-e50ab5dd5e8b_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:href="bbva-20221231.xsd#bbva_ForeignExchangeAgreementsHedgeAccountingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:to="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HeadingsOfAssetsAxis_0af02f6f-51a9-4f6c-879d-7867743f0d7b_terseLabel_en-US" xlink:label="lab_bbva_HeadingsOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Headings of assets [Axis]</link:label>
    <link:label id="lab_bbva_HeadingsOfAssetsAxis_label_en-US" xlink:label="lab_bbva_HeadingsOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Headings of assets [Axis]</link:label>
    <link:label id="lab_bbva_HeadingsOfAssetsAxis_documentation_en-US" xlink:label="lab_bbva_HeadingsOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Headings of assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HeadingsOfAssetsAxis" xlink:href="bbva-20221231.xsd#bbva_HeadingsOfAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HeadingsOfAssetsAxis" xlink:to="lab_bbva_HeadingsOfAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LCRMainLMUDomain_2b60bbf7-70f3-4e17-b206-677eb6401812_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Domain]</link:label>
    <link:label id="lab_bbva_LCRMainLMUDomain_label_en-US" xlink:label="lab_bbva_LCRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Domain]</link:label>
    <link:label id="lab_bbva_LCRMainLMUDomain_documentation_en-US" xlink:label="lab_bbva_LCRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMUDomain" xlink:href="bbva-20221231.xsd#bbva_LCRMainLMUDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LCRMainLMUDomain" xlink:to="lab_bbva_LCRMainLMUDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAGroupAbstract_label_en-US" xlink:label="lab_bbva_BBVAGroupAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Group [Abstract]</link:label>
    <link:label id="lab_bbva_BBVAGroupAbstract_documentation_en-US" xlink:label="lab_bbva_BBVAGroupAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Group [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAGroupAbstract" xlink:href="bbva-20221231.xsd#bbva_BBVAGroupAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAGroupAbstract" xlink:to="lab_bbva_BBVAGroupAbstract" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock_label_en-US" xlink:label="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expected loss variation as of december [Table Text Block]</link:label>
    <link:label id="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expected loss variation as of december</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ExpectedLossVariationAsOfDecemberTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" xlink:to="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock_eff6190e-be8c-455a-9c12-54dd7ed4503b_terseLabel_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group Explanatory [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:to="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_b7cf2fc8-39a2-47f8-ab9d-eda73734f537_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, net of tax</link:label>
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    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares_106a992c-8b4c-4281-89c7-364206113e0b_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management in shares</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management in shares</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management in shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationSeniorManagementInShares"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:href="bbva-20221231.xsd#bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable"/>
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    <link:label id="lab_bbva_FinancialAssetsLevel3Total_bc6dfd7c-8b10-4800-abf3-160cadfbd0e4_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets level 3 total</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3Total" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsLevel3Total"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLevel3Total" xlink:to="lab_bbva_FinancialAssetsLevel3Total" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GroupInsuranceLifeInsuranceContractsMember_68605b01-e766-402e-8302-fc07d08d6e59_terseLabel_en-US" xlink:label="lab_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Group insurance life insurance contracts [Member]</link:label>
    <link:label id="lab_bbva_GroupInsuranceLifeInsuranceContractsMember_label_en-US" xlink:label="lab_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Group insurance life insurance contracts [Member]</link:label>
    <link:label id="lab_bbva_GroupInsuranceLifeInsuranceContractsMember_documentation_en-US" xlink:label="lab_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Group insurance life insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:href="bbva-20221231.xsd#bbva_GroupInsuranceLifeInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:to="lab_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PromissoryBillsAndNotesMember_cdfaf95e-564b-4cca-861d-ef33dc854cb1_terseLabel_en-US" xlink:label="lab_bbva_PromissoryBillsAndNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Promissory bills and notes [Member]</link:label>
    <link:label id="lab_bbva_PromissoryBillsAndNotesMember_label_en-US" xlink:label="lab_bbva_PromissoryBillsAndNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Promissory bills and notes [Member]</link:label>
    <link:label id="lab_bbva_PromissoryBillsAndNotesMember_documentation_en-US" xlink:label="lab_bbva_PromissoryBillsAndNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Promissory bills and notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PromissoryBillsAndNotesMember" xlink:href="bbva-20221231.xsd#bbva_PromissoryBillsAndNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PromissoryBillsAndNotesMember" xlink:to="lab_bbva_PromissoryBillsAndNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock_f12faabb-eb34-4ced-b2e5-e074437fb783_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual Variable Remuneration (AVR) Senior Management [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual Variable Remuneration (AVR) Senior Management [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual Variable Remuneration (AVR) Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:to="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisposalEntitiesHeldForSale_8fcedafb-f131-47a0-a84f-122c51ed692d_terseLabel_en-US" xlink:label="lab_bbva_DisposalEntitiesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal entities held for sale</link:label>
    <link:label id="lab_bbva_DisposalEntitiesHeldForSale_label_en-US" xlink:label="lab_bbva_DisposalEntitiesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal entities held for sale</link:label>
    <link:label id="lab_bbva_DisposalEntitiesHeldForSale_documentation_en-US" xlink:label="lab_bbva_DisposalEntitiesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposal entities held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisposalEntitiesHeldForSale" xlink:href="bbva-20221231.xsd#bbva_DisposalEntitiesHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisposalEntitiesHeldForSale" xlink:to="lab_bbva_DisposalEntitiesHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable_0438f0e7-fc1e-42bd-ba93-0c32cfd9ffa4_terseLabel_en-US" xlink:label="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Abridged scale to classify BBVA group oustanding risk [Table]</link:label>
    <link:label id="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable_label_en-US" xlink:label="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Abridged scale to classify BBVA group oustanding risk [Table]</link:label>
    <link:label id="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable_documentation_en-US" xlink:label="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Abridged scale to classify BBVA group oustanding risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" xlink:href="bbva-20221231.xsd#bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" xlink:to="lab_bbva_AbridgedScaleToClassifyBBVAGroupOustandingRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_8749cea8-453e-4dae-be3e-66bf66e505b6_terseLabel_en-US" xlink:label="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bank overdrafts</link:label>
    <link:label id="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bank overdrafts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_BankOverdraftsClassifiedAsCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:to="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalConsolidatedIncomeStatementImpact_608ddae0-530c-4700-9ecc-353421b925f3_terseLabel_en-US" xlink:label="lab_bbva_TotalConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total consolidated income statement impact</link:label>
    <link:label id="lab_bbva_TotalConsolidatedIncomeStatementImpact_label_en-US" xlink:label="lab_bbva_TotalConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total consolidated income statement impact</link:label>
    <link:label id="lab_bbva_TotalConsolidatedIncomeStatementImpact_documentation_en-US" xlink:label="lab_bbva_TotalConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total consolidated income statement impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalConsolidatedIncomeStatementImpact" xlink:href="bbva-20221231.xsd#bbva_TotalConsolidatedIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalConsolidatedIncomeStatementImpact" xlink:to="lab_bbva_TotalConsolidatedIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax_7a527970-31a8-47e2-8860-5e52cd4ea384_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on remeasuring available-for-sale financial assets, before tax</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on remeasuring available-for-sale financial assets, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems_089141b9-43c3-4494-930d-e1e77d49dcdf_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet [Line Items]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet [Line Items]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAVRAxis_1054cdda-284d-44b2-a818-034cbfdf639f_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAVRAxis_label_en-US" xlink:label="lab_bbva_DeferredAVRAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAVRAxis_documentation_en-US" xlink:label="lab_bbva_DeferredAVRAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRAxis" xlink:href="bbva-20221231.xsd#bbva_DeferredAVRAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAVRAxis" xlink:to="lab_bbva_DeferredAVRAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityAnalysisAxis_f829f422-d4f6-46b9-bd0a-88edd33c0599_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Axis]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisAxis_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Axis]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisAxis_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisAxis" xlink:href="bbva-20221231.xsd#bbva_SensitivityAnalysisAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisAxis" xlink:to="lab_bbva_SensitivityAnalysisAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems_b8c29d06-30ff-4bf0-9f1d-b26761988e68_terseLabel_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position on the group [Line Items]</link:label>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems_label_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position on the group [Line Items]</link:label>
    <link:label id="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems_documentation_en-US" xlink:label="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effects of disposal on the financial position on the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" xlink:href="bbva-20221231.xsd#bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" xlink:to="lab_bbva_EffectsOfDisposalOnTheFinancialPositionOnTheGroupLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichCollectiveMember_31600876-88b2-4315-9422-18a5460a1970_terseLabel_en-US" xlink:label="lab_bbva_OfWhichCollectiveMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which collective [Member]</link:label>
    <link:label id="lab_bbva_OfWhichCollectiveMember_label_en-US" xlink:label="lab_bbva_OfWhichCollectiveMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which collective [Member]</link:label>
    <link:label id="lab_bbva_OfWhichCollectiveMember_documentation_en-US" xlink:label="lab_bbva_OfWhichCollectiveMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which collective</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichCollectiveMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichCollectiveMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichCollectiveMember" xlink:to="lab_bbva_OfWhichCollectiveMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfTreasuryShares_b67095ac-f0f1-4cac-8359-1417ea622c46_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of treasury shares</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfTreasuryShares_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfTreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PurchaseOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfTreasuryShares" xlink:to="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_32d884be-ad92-44f9-adbf-0d59f51202b5_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of transactions between related parties [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of transactions between related parties [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:to="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain_2ba83ed0-4199-484f-a2b7-67d4fa857fe6_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by levels [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by levels [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByLevelsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsFromTangibleAssetsMember_e01186a0-377f-4672-a5ef-b849ba01f3af_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsFromTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets from tangible assets [Member]</link:label>
    <link:label id="lab_bbva_OtherAssetsFromTangibleAssetsMember_label_en-US" xlink:label="lab_bbva_OtherAssetsFromTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets from tangible assets [Member]</link:label>
    <link:label id="lab_bbva_OtherAssetsFromTangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_OtherAssetsFromTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets from tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsFromTangibleAssetsMember" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsFromTangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsFromTangibleAssetsMember" xlink:to="lab_bbva_OtherAssetsFromTangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GuaranteesReceivedLineItems_258c9358-2379-4d88-80c9-c75f45b36271_terseLabel_en-US" xlink:label="lab_bbva_GuaranteesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Guarantees received [Line Items]</link:label>
    <link:label id="lab_bbva_GuaranteesReceivedLineItems_label_en-US" xlink:label="lab_bbva_GuaranteesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Guarantees received [Line Items]</link:label>
    <link:label id="lab_bbva_GuaranteesReceivedLineItems_documentation_en-US" xlink:label="lab_bbva_GuaranteesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Guarantees received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GuaranteesReceivedLineItems" xlink:href="bbva-20221231.xsd#bbva_GuaranteesReceivedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GuaranteesReceivedLineItems" xlink:to="lab_bbva_GuaranteesReceivedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveTaxPercentageOnReconciliation_9e4dd6c3-78bd-4c20-9dc7-59d97959dc86_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxPercentageOnReconciliation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax percentage on reconciliation</link:label>
    <link:label id="lab_bbva_EffectiveTaxPercentageOnReconciliation_label_en-US" xlink:label="lab_bbva_EffectiveTaxPercentageOnReconciliation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax percentage on reconciliation</link:label>
    <link:label id="lab_bbva_EffectiveTaxPercentageOnReconciliation_documentation_en-US" xlink:label="lab_bbva_EffectiveTaxPercentageOnReconciliation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax percentage on reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxPercentageOnReconciliation" xlink:href="bbva-20221231.xsd#bbva_EffectiveTaxPercentageOnReconciliation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveTaxPercentageOnReconciliation" xlink:to="lab_bbva_EffectiveTaxPercentageOnReconciliation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems_7e685e22-1707-4174-ba7b-d5a03aad1a3c_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income classified by concepts [Line Items]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems_label_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income classified by concepts [Line Items]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems_documentation_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income classified by concepts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:href="bbva-20221231.xsd#bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:to="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRWA_ba62acae-2f07-4ecc-8dc0-e56901b0f297_terseLabel_en-US" xlink:label="lab_bbva_TotalRWA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total RWA</link:label>
    <link:label id="lab_bbva_TotalRWA_label_en-US" xlink:label="lab_bbva_TotalRWA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total RWA</link:label>
    <link:label id="lab_bbva_TotalRWA_documentation_en-US" xlink:label="lab_bbva_TotalRWA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total RWA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRWA" xlink:href="bbva-20221231.xsd#bbva_TotalRWA"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalRWA" xlink:to="lab_bbva_TotalRWA" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonFinancialCorporationsMember_61eb4637-fd14-44cd-99e8-898448c1329d_terseLabel_en-US" xlink:label="lab_bbva_NonFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial corporations [Member]</link:label>
    <link:label id="lab_bbva_NonFinancialCorporationsMember_label_en-US" xlink:label="lab_bbva_NonFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial corporations [Member]</link:label>
    <link:label id="lab_bbva_NonFinancialCorporationsMember_documentation_en-US" xlink:label="lab_bbva_NonFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial corporations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonFinancialCorporationsMember" xlink:href="bbva-20221231.xsd#bbva_NonFinancialCorporationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonFinancialCorporationsMember" xlink:to="lab_bbva_NonFinancialCorporationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherReserves_a5761031-3ff6-4e0a-ae42-3badeb8ebdbd_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherReserves" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves</link:label>
    <link:label id="lab_ifrs-full_OtherReserves_label_en-US" xlink:label="lab_ifrs-full_OtherReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherReserves" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherReserves" xlink:to="lab_ifrs-full_OtherReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember_6be2d99c-38f2-4935-a921-a7bc8202a823_terseLabel_en-US" xlink:label="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net gain or losses on transactions treasury shares [Member]</link:label>
    <link:label id="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember_label_en-US" xlink:label="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net gain or losses on transactions treasury shares [Member]</link:label>
    <link:label id="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember_documentation_en-US" xlink:label="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net gain or losses on transactions treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" xlink:href="bbva-20221231.xsd#bbva_NetGainOrLossesOnTransactionsTreasurySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" xlink:to="lab_bbva_NetGainOrLossesOnTransactionsTreasurySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CollateralPledgesReceivedTable_0d90be3b-517b-43b7-b7bf-c2e6ac82e7c9_terseLabel_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received [Table]</link:label>
    <link:label id="lab_bbva_CollateralPledgesReceivedTable_label_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received [Table]</link:label>
    <link:label id="lab_bbva_CollateralPledgesReceivedTable_documentation_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral pledges received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralPledgesReceivedTable" xlink:href="bbva-20221231.xsd#bbva_CollateralPledgesReceivedTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CollateralPledgesReceivedTable" xlink:to="lab_bbva_CollateralPledgesReceivedTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis_2bbcd3a0-7cf7-4b21-a84b-345c40adc5df_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by levels [Axis]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by levels [Axis]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:to="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock_c21bec26-8294-4e01-8268-f72c89690469_terseLabel_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect offsetting for derivatives and securities operation [Table Text Block]</link:label>
    <link:label id="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock_label_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect offsetting for derivatives and securities operation [Table Text Block]</link:label>
    <link:label id="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock_documentation_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect offsetting for derivatives and securities operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:to="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_8cbae138-ecb5-4e65-b442-2e1cfdd6b478_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification adjustments on hedges of net investments in foreign operations, before tax</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification adjustments on hedges of net investments in foreign operations, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:to="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsMember_373c2911-b035-4fa7-b6a4-0a94cbb7ac59_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets [Member]</link:label>
    <link:label id="lab_bbva_TangibleAssetsMember_label_en-US" xlink:label="lab_bbva_TangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets [Member]</link:label>
    <link:label id="lab_bbva_TangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsMember" xlink:href="bbva-20221231.xsd#bbva_TangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsMember" xlink:to="lab_bbva_TangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ObservableInputs_1dafec72-acd8-43d3-9ec2-9c10c175828d_terseLabel_en-US" xlink:label="lab_bbva_ObservableInputs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Observable inputs</link:label>
    <link:label id="lab_bbva_ObservableInputs_label_en-US" xlink:label="lab_bbva_ObservableInputs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Observable inputs</link:label>
    <link:label id="lab_bbva_ObservableInputs_documentation_en-US" xlink:label="lab_bbva_ObservableInputs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Observable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ObservableInputs" xlink:href="bbva-20221231.xsd#bbva_ObservableInputs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ObservableInputs" xlink:to="lab_bbva_ObservableInputs" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfStageAxis_74d08281-0ff2-4e5f-a45f-7a568f88ec07_terseLabel_en-US" xlink:label="lab_bbva_TypeOfStageAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of stage [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfStageAxis_label_en-US" xlink:label="lab_bbva_TypeOfStageAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of stage [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfStageAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfStageAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of stage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfStageAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfStageAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfStageAxis" xlink:to="lab_bbva_TypeOfStageAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock_1b80578c-4b00-4470-aa4c-bd14c75bfaea_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other Assets And Liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other Assets And Liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other Assets And Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:to="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalReservesHoldingCompany_89427950-34f9-4fa4-8194-51c20311de0e_terseLabel_en-US" xlink:label="lab_bbva_TotalReservesHoldingCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total reserves holding company</link:label>
    <link:label id="lab_bbva_TotalReservesHoldingCompany_label_en-US" xlink:label="lab_bbva_TotalReservesHoldingCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total reserves holding company</link:label>
    <link:label id="lab_bbva_TotalReservesHoldingCompany_documentation_en-US" xlink:label="lab_bbva_TotalReservesHoldingCompany" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total reserves holding company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalReservesHoldingCompany" xlink:href="bbva-20221231.xsd#bbva_TotalReservesHoldingCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalReservesHoldingCompany" xlink:to="lab_bbva_TotalReservesHoldingCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostDomain_01b5459b-1862-40a8-8219-56e2273cd2dc_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtAmortisedCostDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:to="lab_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_ce149c0a-5562-42f4-bfd0-f542c1e99f1e_terseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post-employment benefit expense, defined contribution plans</link:label>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_label_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post-employment benefit expense, defined contribution plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:to="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PecriInversionSLMember_8e7f8949-2ca1-4429-bd1a-6d2025fe8d9b_terseLabel_en-US" xlink:label="lab_bbva_PecriInversionSLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pecri Inversion SL [Member]</link:label>
    <link:label id="lab_bbva_PecriInversionSLMember_label_en-US" xlink:label="lab_bbva_PecriInversionSLMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pecri Inversion SL [Member]</link:label>
    <link:label id="lab_bbva_PecriInversionSLMember_documentation_en-US" xlink:label="lab_bbva_PecriInversionSLMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pecri Inversion SL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PecriInversionSLMember" xlink:href="bbva-20221231.xsd#bbva_PecriInversionSLMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PecriInversionSLMember" xlink:to="lab_bbva_PecriInversionSLMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_000e4cf8-b62f-4898-b419-9315afba4614_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one year and not later than two years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one year and not later than two years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:to="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems_5fae9860-5950-40aa-b22c-e6a3a2645a49_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Line Items]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Line Items]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuedInEurosMember_071705ce-c522-4c82-b4d7-610b29161e69_terseLabel_en-US" xlink:label="lab_bbva_IssuedInEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued in euros [Member]</link:label>
    <link:label id="lab_bbva_IssuedInEurosMember_label_en-US" xlink:label="lab_bbva_IssuedInEurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued in euros [Member]</link:label>
    <link:label id="lab_bbva_IssuedInEurosMember_documentation_en-US" xlink:label="lab_bbva_IssuedInEurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued in euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedInEurosMember" xlink:href="bbva-20221231.xsd#bbva_IssuedInEurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuedInEurosMember" xlink:to="lab_bbva_IssuedInEurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities_76222c13-f621-4e80-b93c-3dfb7d728337_terseLabel_en-US" xlink:label="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Inflows Of Cash Classified As Financing Activities</link:label>
    <link:label id="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Inflows Of Cash Classified As Financing Activities</link:label>
    <link:label id="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities_documentation_en-US" xlink:label="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Inflows Of Cash Classified As Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:href="bbva-20221231.xsd#bbva_OtherInflowsOfCashClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:to="lab_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EncumberedAssets_5ce6846a-b5cc-4c6d-a5c6-0e3581fa496c_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered assets</link:label>
    <link:label id="lab_bbva_EncumberedAssets_label_en-US" xlink:label="lab_bbva_EncumberedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered assets</link:label>
    <link:label id="lab_bbva_EncumberedAssets_documentation_en-US" xlink:label="lab_bbva_EncumberedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAssets" xlink:href="bbva-20221231.xsd#bbva_EncumberedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EncumberedAssets" xlink:to="lab_bbva_EncumberedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners_8b90fccf-8365-48df-ad62-ef25f13d4072_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease through other distributions to owners, equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease through other distributions to owners, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill_3afac41f-6a55-47e5-adb6-e1a96f6f7087_terseLabel_en-US" xlink:label="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase Decrease Through Companies In The Process Of Sale Goodwill</link:label>
    <link:label id="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill_label_en-US" xlink:label="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase Decrease Through Companies In The Process Of Sale Goodwill</link:label>
    <link:label id="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill_documentation_en-US" xlink:label="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase Decrease Through Companies In The Process Of Sale Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" xlink:href="bbva-20221231.xsd#bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" xlink:to="lab_bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AverageMember_2cc498af-96c1-401f-8322-203b59cece1a_terseLabel_en-US" xlink:label="lab_bbva_AverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average [Member]</link:label>
    <link:label id="lab_bbva_AverageMember_label_en-US" xlink:label="lab_bbva_AverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average [Member]</link:label>
    <link:label id="lab_bbva_AverageMember_documentation_en-US" xlink:label="lab_bbva_AverageMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageMember" xlink:href="bbva-20221231.xsd#bbva_AverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AverageMember" xlink:to="lab_bbva_AverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock_f3c3e649-37c3-4a12-8f97-79b6c8521ee6_terseLabel_en-US" xlink:label="lab_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments In Subsidiaries Joint Ventures And Associates [Table Text Block]</link:label>
    <link:label id="lab_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock_label_en-US" xlink:label="lab_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments In Subsidiaries Joint Ventures And Associates [Table Text Block]</link:label>
    <link:label id="lab_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments In Subsidiaries Joint Ventures And Associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock"/>
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    <link:label id="lab_ifrs-full_EquityAndLiabilities_4b8bc1b3-c719-47c5-9898-5e9bad4b8cc3_totalLabel_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity and liabilities</link:label>
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    <link:label id="lab_bbva_MathematicalReservesTable_cc1693f9-e424-4753-a723-bc3ea48f117f_terseLabel_en-US" xlink:label="lab_bbva_MathematicalReservesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Table]</link:label>
    <link:label id="lab_bbva_MathematicalReservesTable_label_en-US" xlink:label="lab_bbva_MathematicalReservesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Table]</link:label>
    <link:label id="lab_bbva_MathematicalReservesTable_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves</link:label>
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    <link:label id="lab_bbva_AnidaGrupoInmobiliarioMember_daf51104-c7cb-45e1-b0a7-c468358438b9_terseLabel_en-US" xlink:label="lab_bbva_AnidaGrupoInmobiliarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Anida Grupo inmobiliario [Member]</link:label>
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    <link:label id="lab_bbva_AnidaGrupoInmobiliarioMember_documentation_en-US" xlink:label="lab_bbva_AnidaGrupoInmobiliarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Anida Grupo inmobiliario</link:label>
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    <link:label id="lab_bbva_ConstructionMember_7d2cde02-a50e-470f-bbf6-6c30702884d1_terseLabel_en-US" xlink:label="lab_bbva_ConstructionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Construction [Member]</link:label>
    <link:label id="lab_bbva_ConstructionMember_label_en-US" xlink:label="lab_bbva_ConstructionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Construction [Member]</link:label>
    <link:label id="lab_bbva_ConstructionMember_documentation_en-US" xlink:label="lab_bbva_ConstructionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Construction</link:label>
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    <link:label id="lab_bbva_Other_cbe64657-9642-4eda-90d1-1d424f6a0b7d_terseLabel_en-US" xlink:label="lab_bbva_Other" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves other</link:label>
    <link:label id="lab_bbva_Other_label_en-US" xlink:label="lab_bbva_Other" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other</link:label>
    <link:label id="lab_bbva_Other_documentation_en-US" xlink:label="lab_bbva_Other" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Other" xlink:to="lab_bbva_Other" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable_73cc3bea-2e05-4a63-b76d-2c672995e969_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets And Liabilities Breakdown By Financial Instrument [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:to="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAAPlusMember_ca9828b7-37f0-496c-84de-4af2231aed3a_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAPlusMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA plus [Member]</link:label>
    <link:label id="lab_bbva_BBVAAAPlusMember_label_en-US" xlink:label="lab_bbva_BBVAAAPlusMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA plus [Member]</link:label>
    <link:label id="lab_bbva_BBVAAAPlusMember_documentation_en-US" xlink:label="lab_bbva_BBVAAAPlusMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA plus</link:label>
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    <link:label id="lab_bbva_NSFRMainLMUDomain_118bdd33-07e9-4605-bba9-0b00dd562a4e_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU [Domain]</link:label>
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    <link:label id="lab_bbva_NSFRMainLMUDomain_documentation_en-US" xlink:label="lab_bbva_NSFRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU</link:label>
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    <link:label id="lab_ifrs-full_ProvisionsAbstract_0860e525-4b00-4a91-aa45-bf70a553099a_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions [abstract]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsAxis_ceb72982-319e-48cd-b578-d26b3fe72ab9_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by levels [Axis]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueBreakdownByLevelsAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueBreakdownByLevelsAxis"/>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable_5b05c5d1-bba2-49f4-b0ba-7667c2afbbd1_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Table]</link:label>
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    <link:label id="lab_bbva_OtherNonLifeInsuranceProductsMember_8e85a032-99a3-4438-b8de-f3b8963dd068_terseLabel_en-US" xlink:label="lab_bbva_OtherNonLifeInsuranceProductsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non life insurance products [Member]</link:label>
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    <link:label id="lab_bbva_OtherNonLifeInsuranceProductsMember_documentation_en-US" xlink:label="lab_bbva_OtherNonLifeInsuranceProductsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non life insurance products</link:label>
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    <link:label id="lab_bbva_IssuingInstitutionsAxis_de04f6eb-bca4-4f5a-bd90-738ba90dd5f6_terseLabel_en-US" xlink:label="lab_bbva_IssuingInstitutionsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuing institutions [Axis]</link:label>
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    <link:label id="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale_00baf1ec-e21f-4ee4-bdef-7130ce3fb474_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains losses on sale of investments classified as non current assets held for sale</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GDP100Bp_a2b8098e-9057-4343-b2a1-c5986bfc4144_terseLabel_en-US" xlink:label="lab_bbva_GDP100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP -100 bp</link:label>
    <link:label id="lab_bbva_GDP100Bp_label_en-US" xlink:label="lab_bbva_GDP100Bp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP -100 bp</link:label>
    <link:label id="lab_bbva_GDP100Bp_documentation_en-US" xlink:label="lab_bbva_GDP100Bp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">GDP -100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GDP100Bp" xlink:href="bbva-20221231.xsd#bbva_GDP100Bp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GDP100Bp" xlink:to="lab_bbva_GDP100Bp" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset_bd4c36b0-ff6f-4587-bf2b-57eb66aa9848_terseLabel_en-US" xlink:label="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from return on plan assets excluding interest income or expense</link:label>
    <link:label id="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from return on plan assets excluding interest income or expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsEntrustedByThirdParties_71cb2b71-15bb-4272-973f-314a9baa7f5a_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments entrusted by third parties</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsEntrustedByThirdParties_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments entrusted by third parties</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsEntrustedByThirdParties_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments entrusted by third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsEntrustedByThirdParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:to="lab_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CompaniesHeldForSaleMember_30acc4f2-59ea-41b0-b839-24af0237a004_terseLabel_en-US" xlink:label="lab_bbva_CompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies held for sale [Member]</link:label>
    <link:label id="lab_bbva_CompaniesHeldForSaleMember_label_en-US" xlink:label="lab_bbva_CompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies held for sale [Member]</link:label>
    <link:label id="lab_bbva_CompaniesHeldForSaleMember_documentation_en-US" xlink:label="lab_bbva_CompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Companies held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompaniesHeldForSaleMember" xlink:href="bbva-20221231.xsd#bbva_CompaniesHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CompaniesHeldForSaleMember" xlink:to="lab_bbva_CompaniesHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities_ea9535ec-1e13-4060-adf6-6d21682e1d99_negatedTerseLabel_en-US" xlink:label="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Outflows Of Cash Classified As Investing Activities</link:label>
    <link:label id="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Outflows Of Cash Classified As Investing Activities</link:label>
    <link:label id="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities_documentation_en-US" xlink:label="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Outflows Of Cash Classified As Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" xlink:href="bbva-20221231.xsd#bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" xlink:to="lab_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SignificantUnobservableInputsLineItems_db3bac0f-47cf-468c-acb8-deed55e1b0d4_terseLabel_en-US" xlink:label="lab_bbva_SignificantUnobservableInputsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Significant unobservable inputs [Line Items]</link:label>
    <link:label id="lab_bbva_SignificantUnobservableInputsLineItems_label_en-US" xlink:label="lab_bbva_SignificantUnobservableInputsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Significant unobservable inputs [Line Items]</link:label>
    <link:label id="lab_bbva_SignificantUnobservableInputsLineItems_documentation_en-US" xlink:label="lab_bbva_SignificantUnobservableInputsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Significant unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SignificantUnobservableInputsLineItems" xlink:href="bbva-20221231.xsd#bbva_SignificantUnobservableInputsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SignificantUnobservableInputsLineItems" xlink:to="lab_bbva_SignificantUnobservableInputsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock_2b752387-f50d-4ee9-a34f-b34c0baac46b_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of accountant fees and services [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of accountant fees and services [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of accountant fees and services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfAccountantFeesAndServicesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:to="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock_cd7da6e8-0491-419a-ab46-f596fd4453e6_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for taxes, legal contingencies and other provisions changes over the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock_label_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for taxes, legal contingencies and other provisions changes over the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for taxes, legal contingencies and other provisions changes over the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" xlink:to="lab_bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsMaturityAxis_224dec87-5333-4cb5-9dd5-91c35adc5c6f_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments maturity [Axis]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsMaturityAxis_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments maturity [Axis]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsMaturityAxis_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments maturity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPaymentsMaturityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:to="lab_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_country_CO_0a7f6a89-8a8f-4b82-a9d4-c5676dd60728_terseLabel_en-US" xlink:label="lab_country_CO" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">COLOMBIA</link:label>
    <link:label id="lab_country_CO_label_en-US" xlink:label="lab_country_CO" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">COLOMBIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_CO" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_CO"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_CO" xlink:to="lab_country_CO" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain_ca8cc987-a1f7-4bc9-8eaf-b257f17205f6_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at amortized cost [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at amortized cost [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAtAmortizedCostDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsAtAmortizedCostDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsAtAmortizedCostDomain" xlink:to="lab_bbva_FinancialInstrumentsAtAmortizedCostDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember_4548cdb5-38bd-4f63-91c9-20f3bbd6e4ed_terseLabel_en-US" xlink:label="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which mortagage loans collateralized by immovable property [Member]</link:label>
    <link:label id="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember_label_en-US" xlink:label="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which mortagage loans collateralized by immovable property [Member]</link:label>
    <link:label id="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember_documentation_en-US" xlink:label="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which mortagage loans collateralized by immovable property</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:to="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfPaymentDeferralDomain_7dabfe21-a925-415c-b80a-20e3059073f0_terseLabel_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralDomain_label_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfPaymentDeferralDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfPaymentDeferralDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfPaymentDeferralDomain" xlink:to="lab_bbva_TypeOfPaymentDeferralDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestRateRiskMember_7bc35625-2891-4fc7-925a-caddf89322f8_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate risk [member]</link:label>
    <link:label id="lab_ifrs-full_InterestRateRiskMember_label_en-US" xlink:label="lab_ifrs-full_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRateRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRateRiskMember" xlink:to="lab_ifrs-full_InterestRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_0672729b-023f-47e1-9bec-4a51d62b5124_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets_71dfbf1f-239d-4a6b-b370-22686d905a98_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments gross amount not offset in the consolidated balance sheets</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments gross amount not offset in the consolidated balance sheets</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments gross amount not offset in the consolidated balance sheets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:to="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember_09629026-c07f-4091-82a4-f32e01bdefe1_terseLabel_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which bank account in BBVA in listed markets [Member]</link:label>
    <link:label id="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember_label_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which bank account in BBVA in listed markets [Member]</link:label>
    <link:label id="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember_documentation_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which bank account in BBVA in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichBankAccountInBBVAInListedMarketsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:to="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ResidualMaturitiesInstrumentsDomain_624759c0-665d-4643-a4ff-6e9edbcc3797_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities instruments [Domain]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesInstrumentsDomain_label_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities instruments [Domain]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidualMaturitiesInstrumentsDomain" xlink:href="bbva-20221231.xsd#bbva_ResidualMaturitiesInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ResidualMaturitiesInstrumentsDomain" xlink:to="lab_bbva_ResidualMaturitiesInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherRiskHedgeCashFlowMember_2ca9d3b9-9850-4b15-9ccd-aaa1a4bb5869_terseLabel_en-US" xlink:label="lab_bbva_OtherRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_OtherRiskHedgeCashFlowMember_label_en-US" xlink:label="lab_bbva_OtherRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_OtherRiskHedgeCashFlowMember_documentation_en-US" xlink:label="lab_bbva_OtherRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other risk hedge cash flow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherRiskHedgeCashFlowMember" xlink:href="bbva-20221231.xsd#bbva_OtherRiskHedgeCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherRiskHedgeCashFlowMember" xlink:to="lab_bbva_OtherRiskHedgeCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsAxis_cb1cdc4e-70ee-4b9d-a64f-c98fabe30437_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments [Axis]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsAxis_label_en-US" xlink:label="lab_bbva_EquityInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments [Axis]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsAxis" xlink:to="lab_bbva_EquityInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis_ba50a738-8518-4458-9b08-3768b2b0a727_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration executive directors [Axis]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration executive directors [Axis]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:href="bbva-20221231.xsd#bbva_AnnualFixedRemunerationExecutiveDirectorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:to="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ComparablePricesInputs_61a9283b-ead9-4907-a07d-a3d03684394c_terseLabel_en-US" xlink:label="lab_bbva_ComparablePricesInputs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comparable prices inputs</link:label>
    <link:label id="lab_bbva_ComparablePricesInputs_label_en-US" xlink:label="lab_bbva_ComparablePricesInputs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comparable prices inputs</link:label>
    <link:label id="lab_bbva_ComparablePricesInputs_documentation_en-US" xlink:label="lab_bbva_ComparablePricesInputs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comparable prices inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComparablePricesInputs" xlink:href="bbva-20221231.xsd#bbva_ComparablePricesInputs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ComparablePricesInputs" xlink:to="lab_bbva_ComparablePricesInputs" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIntangibleAssetsDomain_11cc8b5e-bc31-4fa2-812b-20c78f1b2e4a_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Domain]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsDomain_label_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Domain]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsDomain_documentation_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsDomain" xlink:href="bbva-20221231.xsd#bbva_OtherIntangibleAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIntangibleAssetsDomain" xlink:to="lab_bbva_OtherIntangibleAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherServicesRenderedLineItems_95c197b8-829c-4454-b0c5-bac2f6f400e5_terseLabel_en-US" xlink:label="lab_bbva_OtherServicesRenderedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services rendered [Line Items]</link:label>
    <link:label id="lab_bbva_OtherServicesRenderedLineItems_label_en-US" xlink:label="lab_bbva_OtherServicesRenderedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services rendered [Line Items]</link:label>
    <link:label id="lab_bbva_OtherServicesRenderedLineItems_documentation_en-US" xlink:label="lab_bbva_OtherServicesRenderedLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other services rendered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherServicesRenderedLineItems" xlink:href="bbva-20221231.xsd#bbva_OtherServicesRenderedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherServicesRenderedLineItems" xlink:to="lab_bbva_OtherServicesRenderedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ActuarialAssumptionsLineItems_1c52ea46-09fa-48a5-910c-2f419b1ab5a1_terseLabel_en-US" xlink:label="lab_bbva_ActuarialAssumptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions [Line Items]</link:label>
    <link:label id="lab_bbva_ActuarialAssumptionsLineItems_label_en-US" xlink:label="lab_bbva_ActuarialAssumptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions [Line Items]</link:label>
    <link:label id="lab_bbva_ActuarialAssumptionsLineItems_documentation_en-US" xlink:label="lab_bbva_ActuarialAssumptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ActuarialAssumptionsLineItems" xlink:href="bbva-20221231.xsd#bbva_ActuarialAssumptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ActuarialAssumptionsLineItems" xlink:to="lab_bbva_ActuarialAssumptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock_3e2c9ee2-171f-457b-8bd8-151e155cc411_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for income tax explanatory [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for income tax [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForIncomeTaxPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTable_478f107c-08a6-45e3-902a-693597f22a21_terseLabel_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in other intangible assets [Table]</link:label>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTable_label_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in other intangible assets [Table]</link:label>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTable_documentation_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInOtherIntangibleAssetsTable" xlink:href="bbva-20221231.xsd#bbva_ChangesInOtherIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInOtherIntangibleAssetsTable" xlink:to="lab_bbva_ChangesInOtherIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations_2779f592-06e3-46d9-818f-f228f0f7478e_terseLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Diluted earnings (loss) per share from continuing operations</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Diluted earnings (loss) per share from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:to="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefaultedMember_105d6c0e-443e-4e59-9595-b0a0ddfd7d8d_terseLabel_en-US" xlink:label="lab_bbva_DefaultedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defaulted [Member]</link:label>
    <link:label id="lab_bbva_DefaultedMember_label_en-US" xlink:label="lab_bbva_DefaultedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defaulted [Member]</link:label>
    <link:label id="lab_bbva_DefaultedMember_documentation_en-US" xlink:label="lab_bbva_DefaultedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defaulted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefaultedMember" xlink:href="bbva-20221231.xsd#bbva_DefaultedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefaultedMember" xlink:to="lab_bbva_DefaultedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss_c5fbb352-1a86-440d-9c6d-09866780d7dc_terseLabel_en-US" xlink:label="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in fair value not recognized in profit and loss</link:label>
    <link:label id="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss_label_en-US" xlink:label="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in fair value not recognized in profit and loss</link:label>
    <link:label id="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss_documentation_en-US" xlink:label="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in fair value not recognized in profit and loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:href="bbva-20221231.xsd#bbva_ChangesInFairValueNotRecognizedInProfitAndLoss"/>
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    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock_d11cbe49-b44a-483b-b588-b841b7dc9e32_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Table Text Block]</link:label>
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    <link:label id="lab_bbva_EffectiveTaxRateDomain_df44ec8a-0675-4cb9-a1e3-05b17c4b50d0_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate [Domain]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateDomain_label_en-US" xlink:label="lab_bbva_EffectiveTaxRateDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate [Domain]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateDomain_documentation_en-US" xlink:label="lab_bbva_EffectiveTaxRateDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate</link:label>
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    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_6eb99961-26a9-488c-8ae1-4008b7686ad2_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, net of tax</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, net of tax</link:label>
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    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember_label_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non trading financial assets mandatorily at fair value through profit or loss [Member]</link:label>
    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember_documentation_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:href="bbva-20221231.xsd#bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:to="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MathematicalReservesDomain_3656142a-90d4-4029-b280-9b858fa96873_terseLabel_en-US" xlink:label="lab_bbva_MathematicalReservesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Domain]</link:label>
    <link:label id="lab_bbva_MathematicalReservesDomain_label_en-US" xlink:label="lab_bbva_MathematicalReservesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Domain]</link:label>
    <link:label id="lab_bbva_MathematicalReservesDomain_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MathematicalReservesDomain" xlink:href="bbva-20221231.xsd#bbva_MathematicalReservesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MathematicalReservesDomain" xlink:to="lab_bbva_MathematicalReservesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable_932c93f0-654d-4e0e-a841-ab225c2a3611_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by type of asset [Table]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable_label_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by type of asset [Table]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by type of asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:href="bbva-20221231.xsd#bbva_TangibleAssetsBreakdownByTypeOfAssetTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:to="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DemandAccount_5332866d-05cf-4e82-b104-443e8f3f04db_terseLabel_en-US" xlink:label="lab_bbva_DemandAccount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand Account</link:label>
    <link:label id="lab_bbva_DemandAccount_label_en-US" xlink:label="lab_bbva_DemandAccount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand Account</link:label>
    <link:label id="lab_bbva_DemandAccount_documentation_en-US" xlink:label="lab_bbva_DemandAccount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand Account</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DemandAccount" xlink:href="bbva-20221231.xsd#bbva_DemandAccount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DemandAccount" xlink:to="lab_bbva_DemandAccount" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasisPointsChangeSensitivityAnalysis_215dc092-7664-43f5-818e-4c9bc10ab5a7_terseLabel_en-US" xlink:label="lab_bbva_BasisPointsChangeSensitivityAnalysis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points change sensitivity analysis</link:label>
    <link:label id="lab_bbva_BasisPointsChangeSensitivityAnalysis_label_en-US" xlink:label="lab_bbva_BasisPointsChangeSensitivityAnalysis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points change sensitivity analysis</link:label>
    <link:label id="lab_bbva_BasisPointsChangeSensitivityAnalysis_documentation_en-US" xlink:label="lab_bbva_BasisPointsChangeSensitivityAnalysis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis points change sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointsChangeSensitivityAnalysis" xlink:href="bbva-20221231.xsd#bbva_BasisPointsChangeSensitivityAnalysis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasisPointsChangeSensitivityAnalysis" xlink:to="lab_bbva_BasisPointsChangeSensitivityAnalysis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssets_cfd2a3d9-443d-4346-9ced-5cf1f142585c_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in financial assets</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseInFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AllocationOfEarningsTableTextBlock_23699817-4f62-47e7-8cb0-0ff6c6da6228_terseLabel_en-US" xlink:label="lab_bbva_AllocationOfEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allocation of earnings [Table Text Block]</link:label>
    <link:label id="lab_bbva_AllocationOfEarningsTableTextBlock_label_en-US" xlink:label="lab_bbva_AllocationOfEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allocation of earnings [Table Text Block]</link:label>
    <link:label id="lab_bbva_AllocationOfEarningsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AllocationOfEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allocation of earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AllocationOfEarningsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AllocationOfEarningsTableTextBlock"/>
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    <link:label id="lab_country_CL_4a25cf08-ccec-4428-94e3-3023dd3a7c10_terseLabel_en-US" xlink:label="lab_country_CL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">CHILE</link:label>
    <link:label id="lab_country_CL_label_en-US" xlink:label="lab_country_CL" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">CHILE</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_CL" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_CL"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_CL" xlink:to="lab_country_CL" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferBetweenLevelsTableTextBlock_f629e6ea-1c73-42e0-9277-3f7e818cd9c9_terseLabel_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfer between levels [Table Text Block]</link:label>
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    <link:label id="lab_country_AR_b0c49d3a-6a67-45d3-bb5d-dadb71ae102d_terseLabel_en-US" xlink:label="lab_country_AR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ARGENTINA</link:label>
    <link:label id="lab_country_AR_label_en-US" xlink:label="lab_country_AR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ARGENTINA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_AR" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_AR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_AR" xlink:to="lab_country_AR" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IndividualLifeInsuranceContractsMember_3de282a4-1341-4e80-81dd-a4cd17d30143_terseLabel_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Individual life insurance contracts [Member]</link:label>
    <link:label id="lab_bbva_IndividualLifeInsuranceContractsMember_label_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Individual life insurance contracts [Member]</link:label>
    <link:label id="lab_bbva_IndividualLifeInsuranceContractsMember_documentation_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Individual life insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IndividualLifeInsuranceContractsMember" xlink:href="bbva-20221231.xsd#bbva_IndividualLifeInsuranceContractsMember"/>
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    <link:label id="lab_bbva_FinancialInstrumentsDomain_dd2fd695-7922-4dc4-8bfd-a63448b8cf28_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments [Domain]</link:label>
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    <link:label id="lab_bbva_FinancialInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments</link:label>
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    <link:label id="lab_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost_85735526-c1c5-4da5-891d-c1b13fe5f5c5_terseLabel_en-US" xlink:label="lab_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments For Decrease Increase In Financial Assets At Amortised Cost</link:label>
    <link:label id="lab_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments For Decrease Increase In Financial Assets At Amortised Cost</link:label>
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    <link:label id="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_33f0585b-fc96-4853-b944-d58a7c72c433_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in cash and cash equivalents</link:label>
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    <link:label id="lab_bbva_OtherAssetsAccruals_5f8c22e2-a0b2-4ac3-878b-a8aa4705f5d6_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsAccruals" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets Accruals</link:label>
    <link:label id="lab_bbva_OtherAssetsAccruals_label_en-US" xlink:label="lab_bbva_OtherAssetsAccruals" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets Accruals</link:label>
    <link:label id="lab_bbva_OtherAssetsAccruals_documentation_en-US" xlink:label="lab_bbva_OtherAssetsAccruals" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets Accruals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAccruals" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsAccruals"/>
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    <link:label id="lab_bbva_OtherActuarialGainsAndLossesMember_9cfec06a-c86b-4398-91f4-794e8dc89ebf_terseLabel_en-US" xlink:label="lab_bbva_OtherActuarialGainsAndLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other actuarial gains and losses [Member]</link:label>
    <link:label id="lab_bbva_OtherActuarialGainsAndLossesMember_label_en-US" xlink:label="lab_bbva_OtherActuarialGainsAndLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other actuarial gains and losses [Member]</link:label>
    <link:label id="lab_bbva_OtherActuarialGainsAndLossesMember_documentation_en-US" xlink:label="lab_bbva_OtherActuarialGainsAndLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other actuarial gains and losses</link:label>
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    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis_8badc1b7-a2c4-4255-9a10-b0dea69a73b8_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liability asset by country [Axis]</link:label>
    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis_label_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liability asset by country [Axis]</link:label>
    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit liability asset by country</link:label>
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    <link:label id="lab_bbva_BreakdownByUGEsAxis_d7e6a349-5b6b-4f0b-bbbf-b7aabd78533d_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByUGEsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by UGEs [Axis]</link:label>
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    <link:label id="lab_bbva_BreakdownByUGEsAxis_documentation_en-US" xlink:label="lab_bbva_BreakdownByUGEsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by UGEs</link:label>
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    <link:label id="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss_9dcd7948-4b3b-4673-a84b-aa65d7bd8d7a_totalLabel_en-US" xlink:label="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_WorkInProgressMember_a63368cc-8444-4568-915f-a9f45d87089b_terseLabel_en-US" xlink:label="lab_bbva_WorkInProgressMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Work in progress [Member]</link:label>
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    <link:label id="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory_018d5325-704f-4439-a11b-949a92cef0eb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of earnings per share [text block]</link:label>
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    <link:label id="lab_ifrs-full_LiabilitiesArisingFromInsuranceContracts_b4856983-4e1b-4558-9bdc-66c97bf3ee16_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities under insurance contracts and reinsurance contracts issued</link:label>
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    <link:label id="lab_srt_DirectorMember_c6e320eb-2f5a-4ba3-9fb9-12a1b2c305b2_terseLabel_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Director [Member]</link:label>
    <link:label id="lab_srt_DirectorMember_label_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Director [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_DirectorMember" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_DirectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_DirectorMember" xlink:to="lab_srt_DirectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsDomain_1ee1f0a6-719c-45ee-9ba6-f126d8c40245_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Domain]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsDomain_label_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Domain]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsDomain_documentation_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:href="bbva-20221231.xsd#bbva_MaturityOfFuturePaymentObligationsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:to="lab_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesDomain_556b30b3-f6c5-4ab8-b047-a66a8493ffbf_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Domain]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesDomain_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Domain]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesDomain_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesDomain" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesDomain" xlink:to="lab_bbva_OtherFinancialLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalFinancialAssetsRiskMember_b0879af5-c843-474d-b4fc-186f10496322_terseLabel_en-US" xlink:label="lab_bbva_TotalFinancialAssetsRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total financial assets risk [Member]</link:label>
    <link:label id="lab_bbva_TotalFinancialAssetsRiskMember_label_en-US" xlink:label="lab_bbva_TotalFinancialAssetsRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total financial assets risk [Member]</link:label>
    <link:label id="lab_bbva_TotalFinancialAssetsRiskMember_documentation_en-US" xlink:label="lab_bbva_TotalFinancialAssetsRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total financial assets risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalFinancialAssetsRiskMember" xlink:href="bbva-20221231.xsd#bbva_TotalFinancialAssetsRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalFinancialAssetsRiskMember" xlink:to="lab_bbva_TotalFinancialAssetsRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis_001254f0-bb71-41a9-937e-7a129c2d91b6_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by type of risk and type of hedge [Axis]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis_label_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by type of risk and type of hedge [Axis]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by type of risk and type of hedge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:to="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesLiquidityRisk_5be2c528-84e7-4e78-a075-f6012037395b_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities liquidity risk</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesLiquidityRisk_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities liquidity risk</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesLiquidityRisk_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities liquidity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesLiquidityRisk" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesLiquidityRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesLiquidityRisk" xlink:to="lab_bbva_FinancialLiabilitiesLiquidityRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember_8da060f2-7066-4b48-a786-71537eaea617_terseLabel_en-US" xlink:label="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than six months and not later than nine months [Member]</link:label>
    <link:label id="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember_label_en-US" xlink:label="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than six months and not later than nine months [Member]</link:label>
    <link:label id="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember_documentation_en-US" xlink:label="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than six months and not later than nine months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:href="bbva-20221231.xsd#bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:to="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Level1OfFairValueHierarchyMember_0b7a9162-f093-4106-81cd-c0fa2265f1e3_terseLabel_en-US" xlink:label="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 1 Of Fair Value Hierarchy [Member]</link:label>
    <link:label id="lab_ifrs-full_Level1OfFairValueHierarchyMember_label_en-US" xlink:label="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 1 of fair value hierarchy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Level1OfFairValueHierarchyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Level1OfFairValueHierarchyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Level1OfFairValueHierarchyMember" xlink:to="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost_b1ae4f94-fb17-4c27-8a47-a017a9f090e5_terseLabel_en-US" xlink:label="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortized cost of debt securities at amortized cost</link:label>
    <link:label id="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortized cost of debt securities at amortized cost</link:label>
    <link:label id="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortized cost of debt securities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" xlink:to="lab_bbva_AmortizedCostOfDebtSecuritiesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NumberOfTreasuryShares_0775645d-2237-4070-95a8-c39809bccf8f_terseLabel_en-US" xlink:label="lab_bbva_NumberOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfTreasuryShares_label_en-US" xlink:label="lab_bbva_NumberOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfTreasuryShares_documentation_en-US" xlink:label="lab_bbva_NumberOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfTreasuryShares" xlink:href="bbva-20221231.xsd#bbva_NumberOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NumberOfTreasuryShares" xlink:to="lab_bbva_NumberOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock_7ac5b4c2-46e9-455d-9749-b58f0752c448_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non Current Assets And Disposal Groups Classified As Held For Sale Breakdown By Items [Table Text Block]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non Current Assets And Disposal Groups Classified As Held For Sale Breakdown By Items [Table Text Block]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non Current Assets And Disposal Groups Classified As Held For Sale Breakdown By Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuedByPublicAdministrationsMember_efcfc39e-6c0c-490e-9e3a-4eb11865a90a_terseLabel_en-US" xlink:label="lab_bbva_IssuedByPublicAdministrationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued by public administrations [Member]</link:label>
    <link:label id="lab_bbva_IssuedByPublicAdministrationsMember_label_en-US" xlink:label="lab_bbva_IssuedByPublicAdministrationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued by public administrations [Member]</link:label>
    <link:label id="lab_bbva_IssuedByPublicAdministrationsMember_documentation_en-US" xlink:label="lab_bbva_IssuedByPublicAdministrationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issued by public administrations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedByPublicAdministrationsMember" xlink:href="bbva-20221231.xsd#bbva_IssuedByPublicAdministrationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuedByPublicAdministrationsMember" xlink:to="lab_bbva_IssuedByPublicAdministrationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare_5458a0dd-bef1-467e-9e65-825fd1fd4456_terseLabel_en-US" xlink:label="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends recognised as distributions to owners per share</link:label>
    <link:label id="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare_label_en-US" xlink:label="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends recognised as distributions to owners per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:to="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GuaranteesReceivedTable_23d25b22-7317-4464-903e-dd55849b6967_terseLabel_en-US" xlink:label="lab_bbva_GuaranteesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Guarantees received [Table]</link:label>
    <link:label id="lab_bbva_GuaranteesReceivedTable_label_en-US" xlink:label="lab_bbva_GuaranteesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Guarantees received [Table]</link:label>
    <link:label id="lab_bbva_GuaranteesReceivedTable_documentation_en-US" xlink:label="lab_bbva_GuaranteesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Guarantees received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GuaranteesReceivedTable" xlink:href="bbva-20221231.xsd#bbva_GuaranteesReceivedTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GuaranteesReceivedTable" xlink:to="lab_bbva_GuaranteesReceivedTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TheoreticalSharesAllocated_c61e342d-5f0d-4c68-9074-3cc6445964af_terseLabel_en-US" xlink:label="lab_bbva_TheoreticalSharesAllocated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares allocated</link:label>
    <link:label id="lab_bbva_TheoreticalSharesAllocated_label_en-US" xlink:label="lab_bbva_TheoreticalSharesAllocated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares allocated</link:label>
    <link:label id="lab_bbva_TheoreticalSharesAllocated_documentation_en-US" xlink:label="lab_bbva_TheoreticalSharesAllocated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares allocated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TheoreticalSharesAllocated" xlink:href="bbva-20221231.xsd#bbva_TheoreticalSharesAllocated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TheoreticalSharesAllocated" xlink:to="lab_bbva_TheoreticalSharesAllocated" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember_973cacfc-e994-4a76-b4f9-4b84ecb4e3c3_terseLabel_en-US" xlink:label="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Change in obligation from each additional year of longevity [Member]</link:label>
    <link:label id="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember_label_en-US" xlink:label="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Change in obligation from each additional year of longevity [Member]</link:label>
    <link:label id="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember_documentation_en-US" xlink:label="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Change in obligation from each additional year of longevity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:href="bbva-20221231.xsd#bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:to="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_e6281f1d-d11b-4815-bb82-586c100d0f0e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from payments from plan</link:label>
    <link:label id="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from payments from plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AverageNSFRMainLMU_752cb4a1-2d4b-4787-90f5-fe8d61f99537_terseLabel_en-US" xlink:label="lab_bbva_AverageNSFRMainLMU" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average NSFR main LMU</link:label>
    <link:label id="lab_bbva_AverageNSFRMainLMU_label_en-US" xlink:label="lab_bbva_AverageNSFRMainLMU" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average NSFR main LMU</link:label>
    <link:label id="lab_bbva_AverageNSFRMainLMU_documentation_en-US" xlink:label="lab_bbva_AverageNSFRMainLMU" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageNSFRMainLMU" xlink:href="bbva-20221231.xsd#bbva_AverageNSFRMainLMU"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AverageNSFRMainLMU" xlink:to="lab_bbva_AverageNSFRMainLMU" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock_8d8b21ea-baef-4e71-9c96-8785a148d246_terseLabel_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend income breakdown by headline [Table Text Block]</link:label>
    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock_label_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend income breakdown by headline [Table Text Block]</link:label>
    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend income breakdown by headline</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DividendIncomeBreakdownByHeadlineTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:to="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksByCountryAxis_a7786016-3339-49ef-9120-782c2eb246f3_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks by country [Axis]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksByCountryAxis_label_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks by country [Axis]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksByCountryAxis_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksByCountryAxis" xlink:to="lab_bbva_DepositsFromBanksByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis_57440a7d-abc9-4915-b6f3-6ad2c894d3ea_terseLabel_en-US" xlink:label="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of disposal on the financial position of the group sold usa subsidiary [Axis]</link:label>
    <link:label id="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis_label_en-US" xlink:label="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of disposal on the financial position of the group sold usa subsidiary [Axis]</link:label>
    <link:label id="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis_documentation_en-US" xlink:label="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of disposal on the financial position of the group sold usa subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" xlink:href="bbva-20221231.xsd#bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" xlink:to="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock_2d18df35-d217-4744-bb34-62e7bef18dd6_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_a57df1ab-c0f1-4ba2-b0aa-a5090982bdc6_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from sales of property, plant and equipment</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from sales of property, plant and equipment, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset_4e41878e-4478-49b5-bea5-d1e77427c4ff_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from experience adjustments</link:label>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from experience adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock_a1aaaefc-4510-47c7-a2dc-1197446a68cc_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale [Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale [Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:to="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AverageTechnicalInterestType_f7034209-17d6-4afc-83df-1169b472d0e0_terseLabel_en-US" xlink:label="lab_bbva_AverageTechnicalInterestType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average technical interest type</link:label>
    <link:label id="lab_bbva_AverageTechnicalInterestType_label_en-US" xlink:label="lab_bbva_AverageTechnicalInterestType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average technical interest type</link:label>
    <link:label id="lab_bbva_AverageTechnicalInterestType_documentation_en-US" xlink:label="lab_bbva_AverageTechnicalInterestType" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average technical interest type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageTechnicalInterestType" xlink:href="bbva-20221231.xsd#bbva_AverageTechnicalInterestType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AverageTechnicalInterestType" xlink:to="lab_bbva_AverageTechnicalInterestType" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAAARatingMember_23072018-bd98-493e-acfd-340411eaf892_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AAA Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAAARatingMember_label_en-US" xlink:label="lab_bbva_BBVAAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AAA Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAAARatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AAA Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAAARatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVAAAARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAAAARatingMember" xlink:to="lab_bbva_BBVAAAARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Goodwill_91218a17-7125-4b2e-8159-1439b7c3a518_terseLabel_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_ifrs-full_Goodwill_185bc4f0-db40-44b8-9803-3ac9de04bf49_periodStartLabel_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill at beginning of period</link:label>
    <link:label id="lab_ifrs-full_Goodwill_bfafa80b-ea01-4cc4-9731-f055aed27f2b_periodEndLabel_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill at end of period</link:label>
    <link:label id="lab_ifrs-full_Goodwill_label_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Goodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Goodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Goodwill" xlink:to="lab_ifrs-full_Goodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalCapitalTier2_b1896dcd-65ad-4f1a-a924-f26c3d1df2f7_terseLabel_en-US" xlink:label="lab_bbva_TotalCapitalTier2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total capital tier 2</link:label>
    <link:label id="lab_bbva_TotalCapitalTier2_label_en-US" xlink:label="lab_bbva_TotalCapitalTier2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total capital tier 2</link:label>
    <link:label id="lab_bbva_TotalCapitalTier2_documentation_en-US" xlink:label="lab_bbva_TotalCapitalTier2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total capital tier 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCapitalTier2" xlink:href="bbva-20221231.xsd#bbva_TotalCapitalTier2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalCapitalTier2" xlink:to="lab_bbva_TotalCapitalTier2" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock_3ac5f1e0-cf06-499a-88df-93a337d7e125_terseLabel_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contribution to consolidated group total assets entities by main activities [Table Text Block]</link:label>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock_label_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contribution to consolidated group total assets entities by main activities [Table Text Block]</link:label>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contribution to consolidated group total assets entities by main activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:to="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentShellCompanyReport_a8ac6c53-c7cf-4ab5-8569-969540d0943b_terseLabel_en-US" xlink:label="lab_dei_DocumentShellCompanyReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Shell Company Report</link:label>
    <link:label id="lab_dei_DocumentShellCompanyReport_label_en-US" xlink:label="lab_dei_DocumentShellCompanyReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Shell Company Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentShellCompanyReport" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentShellCompanyReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentShellCompanyReport" xlink:to="lab_dei_DocumentShellCompanyReport" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherEntitiesBBVAMember_2a5ea3f0-ff03-4c87-a599-4771340901a2_terseLabel_en-US" xlink:label="lab_bbva_OtherEntitiesBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other entities BBVA [Member]</link:label>
    <link:label id="lab_bbva_OtherEntitiesBBVAMember_label_en-US" xlink:label="lab_bbva_OtherEntitiesBBVAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other entities BBVA [Member]</link:label>
    <link:label id="lab_bbva_OtherEntitiesBBVAMember_documentation_en-US" xlink:label="lab_bbva_OtherEntitiesBBVAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other entities BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherEntitiesBBVAMember" xlink:href="bbva-20221231.xsd#bbva_OtherEntitiesBBVAMember"/>
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    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeTable_78cfee53-7422-4b49-a2eb-3f4bbf8d0a9c_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated Other Comprehensive Income [Table]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeTable_label_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated Other Comprehensive Income [Table]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeTable_documentation_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:href="bbva-20221231.xsd#bbva_AccumulatedOtherComprehensiveIncomeTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:to="lab_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BankingAndOtherFinancialServicesMember_5b54bc84-4e64-4ec6-be2d-a7a8e27b3918_terseLabel_en-US" xlink:label="lab_bbva_BankingAndOtherFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking and other financial services [Member]</link:label>
    <link:label id="lab_bbva_BankingAndOtherFinancialServicesMember_label_en-US" xlink:label="lab_bbva_BankingAndOtherFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking and other financial services [Member]</link:label>
    <link:label id="lab_bbva_BankingAndOtherFinancialServicesMember_documentation_en-US" xlink:label="lab_bbva_BankingAndOtherFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking and other financial services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BankingAndOtherFinancialServicesMember" xlink:href="bbva-20221231.xsd#bbva_BankingAndOtherFinancialServicesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BankingAndOtherFinancialServicesMember" xlink:to="lab_bbva_BankingAndOtherFinancialServicesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain_b34baabb-563e-4f73-bc2c-b309f31b8c3f_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Domain]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain_label_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Domain]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancingActivitiesLiabilitiesLineItems_844a80be-642c-475c-acdc-8e26bb35e4f1_terseLabel_en-US" xlink:label="lab_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing activities liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_FinancingActivitiesLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing activities liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_FinancingActivitiesLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing activities liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancingActivitiesLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:to="lab_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources_371d4370-11b2-4cf5-a2fb-377fda8934ab_terseLabel_en-US" xlink:label="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other adjustments and deductions eligible capital resources</link:label>
    <link:label id="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other adjustments and deductions eligible capital resources</link:label>
    <link:label id="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other adjustments and deductions eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:to="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_UnobservableInputsTable_49d78913-93b1-4be5-9db8-105568a4c191_terseLabel_en-US" xlink:label="lab_bbva_UnobservableInputsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs [Table]</link:label>
    <link:label id="lab_bbva_UnobservableInputsTable_label_en-US" xlink:label="lab_bbva_UnobservableInputsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs [Table]</link:label>
    <link:label id="lab_bbva_UnobservableInputsTable_documentation_en-US" xlink:label="lab_bbva_UnobservableInputsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnobservableInputsTable" xlink:href="bbva-20221231.xsd#bbva_UnobservableInputsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnobservableInputsTable" xlink:to="lab_bbva_UnobservableInputsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember_2ae2fc9d-9d09-4dc8-a582-fff77d837074_terseLabel_en-US" xlink:label="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other retained earnings losses and revaluation reserves [Member]</link:label>
    <link:label id="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember_label_en-US" xlink:label="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other retained earnings losses and revaluation reserves [Member]</link:label>
    <link:label id="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember_documentation_en-US" xlink:label="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other retained earnings losses and revaluation reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:href="bbva-20221231.xsd#bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:to="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfEquityInstrumentDomain_dbfe031d-adb6-42b0-8893-3450119bd5dd_terseLabel_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of equity instrument [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfEquityInstrumentDomain_label_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of equity instrument [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfEquityInstrumentDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of equity instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfEquityInstrumentDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfEquityInstrumentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfEquityInstrumentDomain" xlink:to="lab_bbva_TypeOfEquityInstrumentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnHedgingInstrument_1464ee8c-5637-4d7e-a9d4-331aed949a65_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on hedging instrument, fair value hedges</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnHedgingInstrument_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on hedging instrument, fair value hedges</link:label>
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    <link:label id="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain_964e99cf-16ea-4a4b-a622-247a41439b1a_terseLabel_en-US" xlink:label="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed balance sheets of companies sold in the USA subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain_label_en-US" xlink:label="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed balance sheets of companies sold in the USA subsidiary [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:href="bbva-20221231.xsd#bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:to="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost_e7d759af-c6de-44ea-bb32-fec8aa3cda9d_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Financial Liabilities Measured At Amortised Cost</link:label>
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    <link:label id="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost_documentation_en-US" xlink:label="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Financial Liabilities Measured At Amortised Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:href="bbva-20221231.xsd#bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:to="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRestrictedReserves_28c8762e-572b-4d85-9fb7-344145839788_terseLabel_en-US" xlink:label="lab_bbva_TotalRestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total restricted reserves</link:label>
    <link:label id="lab_bbva_TotalRestrictedReserves_label_en-US" xlink:label="lab_bbva_TotalRestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total restricted reserves</link:label>
    <link:label id="lab_bbva_TotalRestrictedReserves_documentation_en-US" xlink:label="lab_bbva_TotalRestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total restricted reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRestrictedReserves" xlink:href="bbva-20221231.xsd#bbva_TotalRestrictedReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalRestrictedReserves" xlink:to="lab_bbva_TotalRestrictedReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdditionalRecognitionGoodwill_c0df6ead-7f0b-4336-a612-0f945d0f220e_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional recognition, goodwill</link:label>
    <link:label id="lab_ifrs-full_AdditionalRecognitionGoodwill_label_en-US" xlink:label="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional recognition, goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionalRecognitionGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdditionalRecognitionGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdditionalRecognitionGoodwill" xlink:to="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_43df90d1-7c09-45d5-a56f-fe7efbd0b518_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments Financial Assets At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments Financial Assets At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments Financial Assets At Fair Value Through Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_bbva_EquityInstrumentsFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis_9fa34171-aedb-47bc-8bbf-379b83d0e84a_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments collateral received [Axis]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis_label_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments collateral received [Axis]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis_documentation_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments collateral received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:href="bbva-20221231.xsd#bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:to="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BaseScenarioTable_fc985fa9-3f7b-477e-96f4-a7b891a0a3fd_terseLabel_en-US" xlink:label="lab_bbva_BaseScenarioTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Base scenario [Table]</link:label>
    <link:label id="lab_bbva_BaseScenarioTable_label_en-US" xlink:label="lab_bbva_BaseScenarioTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Base scenario [Table]</link:label>
    <link:label id="lab_bbva_BaseScenarioTable_documentation_en-US" xlink:label="lab_bbva_BaseScenarioTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Base scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BaseScenarioTable" xlink:href="bbva-20221231.xsd#bbva_BaseScenarioTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BaseScenarioTable" xlink:to="lab_bbva_BaseScenarioTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock_9b366ed4-d76c-4ae9-8ec9-537711bae33c_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets and liabilities [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets and liabilities [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasuryStockTable_b19564c9-fd08-46e3-98b6-cb679c8c9510_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock [Table]</link:label>
    <link:label id="lab_bbva_TreasuryStockTable_label_en-US" xlink:label="lab_bbva_TreasuryStockTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock [Table]</link:label>
    <link:label id="lab_bbva_TreasuryStockTable_documentation_en-US" xlink:label="lab_bbva_TreasuryStockTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockTable" xlink:href="bbva-20221231.xsd#bbva_TreasuryStockTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasuryStockTable" xlink:to="lab_bbva_TreasuryStockTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity_7ed2d99a-b69e-4532-829b-0d68deab2094_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through other changes, equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through other changes, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherGainsLossesMember_efa55436-02a4-4099-8bbf-a4f245b0eeaa_terseLabel_en-US" xlink:label="lab_bbva_OtherGainsLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other gains losses [Member]</link:label>
    <link:label id="lab_bbva_OtherGainsLossesMember_label_en-US" xlink:label="lab_bbva_OtherGainsLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other gains losses [Member]</link:label>
    <link:label id="lab_bbva_OtherGainsLossesMember_documentation_en-US" xlink:label="lab_bbva_OtherGainsLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other gains losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherGainsLossesMember" xlink:href="bbva-20221231.xsd#bbva_OtherGainsLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherGainsLossesMember" xlink:to="lab_bbva_OtherGainsLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2020Member_06b88b88-c03d-4a32-a20d-c72e247b5db0_terseLabel_en-US" xlink:label="lab_bbva_A2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020 [Member]</link:label>
    <link:label id="lab_bbva_A2020Member_label_en-US" xlink:label="lab_bbva_A2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020 [Member]</link:label>
    <link:label id="lab_bbva_A2020Member_documentation_en-US" xlink:label="lab_bbva_A2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2020Member" xlink:href="bbva-20221231.xsd#bbva_A2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2020Member" xlink:to="lab_bbva_A2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NumberOfSharesOwnedByThirdParties_f8267af2-7a50-45d4-b73f-d23b9bca2db7_terseLabel_en-US" xlink:label="lab_bbva_NumberOfSharesOwnedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of shares owned by third parties</link:label>
    <link:label id="lab_bbva_NumberOfSharesOwnedByThirdParties_label_en-US" xlink:label="lab_bbva_NumberOfSharesOwnedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of shares owned by third parties</link:label>
    <link:label id="lab_bbva_NumberOfSharesOwnedByThirdParties_documentation_en-US" xlink:label="lab_bbva_NumberOfSharesOwnedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of shares owned by third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfSharesOwnedByThirdParties" xlink:href="bbva-20221231.xsd#bbva_NumberOfSharesOwnedByThirdParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NumberOfSharesOwnedByThirdParties" xlink:to="lab_bbva_NumberOfSharesOwnedByThirdParties" xlink:type="arc" order="1"/>
    <link:label id="lab_country_ES_b3f519f0-1473-4b4c-b912-22b9a8deedc2_terseLabel_en-US" xlink:label="lab_country_ES" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">SPAIN</link:label>
    <link:label id="lab_country_ES_label_en-US" xlink:label="lab_country_ES" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">SPAIN</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_ES" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_ES"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_ES" xlink:to="lab_country_ES" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorFirmId_859f4e5e-9329-423a-9edb-f03fe119e4f5_terseLabel_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:label id="lab_dei_AuditorFirmId_label_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AuditorFirmId"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorFirmId" xlink:to="lab_dei_AuditorFirmId" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis_fc8d46d0-e078-4aef-92bd-72664e811427_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading debt securities [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading debt securities [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:to="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValueOfGuaranteesAxis_c395ff9e-c42b-48fc-b249-66f333126a09_terseLabel_en-US" xlink:label="lab_bbva_ValueOfGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vale of guarantees [Axis]</link:label>
    <link:label id="lab_bbva_ValueOfGuaranteesAxis_label_en-US" xlink:label="lab_bbva_ValueOfGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of guarantees [Axis]</link:label>
    <link:label id="lab_bbva_ValueOfGuaranteesAxis_documentation_en-US" xlink:label="lab_bbva_ValueOfGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValueOfGuaranteesAxis" xlink:href="bbva-20221231.xsd#bbva_ValueOfGuaranteesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValueOfGuaranteesAxis" xlink:to="lab_bbva_ValueOfGuaranteesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PaymentsForTreasuryStockAmortization_e5b5c950-4518-439b-908d-3e065bf5c889_negatedTerseLabel_en-US" xlink:label="lab_bbva_PaymentsForTreasuryStockAmortization" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments ForTreasury Stock Amortization</link:label>
    <link:label id="lab_bbva_PaymentsForTreasuryStockAmortization_label_en-US" xlink:label="lab_bbva_PaymentsForTreasuryStockAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments ForTreasury Stock Amortization</link:label>
    <link:label id="lab_bbva_PaymentsForTreasuryStockAmortization_documentation_en-US" xlink:label="lab_bbva_PaymentsForTreasuryStockAmortization" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments ForTreasury Stock Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PaymentsForTreasuryStockAmortization" xlink:href="bbva-20221231.xsd#bbva_PaymentsForTreasuryStockAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PaymentsForTreasuryStockAmortization" xlink:to="lab_bbva_PaymentsForTreasuryStockAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock_a1602c94-6f80-483b-9571-fcbaa3e82432_terseLabel_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions percentage [Table Text Block]</link:label>
    <link:label id="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock_label_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions percentage [Table Text Block]</link:label>
    <link:label id="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ActuarialAssumptionsPercentageTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:to="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Equity_f17537ac-ff38-4be2-8f1e-5e50d3766540_terseLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjusted initial balance</link:label>
    <link:label id="lab_ifrs-full_Equity_b0f75ecf-c184-4b74-8229-b14eb1bbdb11_periodStartLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity at beginning of period</link:label>
    <link:label id="lab_ifrs-full_Equity_539947a2-e523-48ab-b7dd-9ba5d94793ec_periodEndLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity at end of period</link:label>
    <link:label id="lab_ifrs-full_Equity_label_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Equity" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Equity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Equity" xlink:to="lab_ifrs-full_Equity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SolarisbankAGMember_d6898d7e-e47f-44da-a663-c7e601f22a00_terseLabel_en-US" xlink:label="lab_bbva_SolarisbankAGMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Solarisbank AG [Member]</link:label>
    <link:label id="lab_bbva_SolarisbankAGMember_label_en-US" xlink:label="lab_bbva_SolarisbankAGMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Solarisbank AG [Member]</link:label>
    <link:label id="lab_bbva_SolarisbankAGMember_documentation_en-US" xlink:label="lab_bbva_SolarisbankAGMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Solarisbank AG</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SolarisbankAGMember" xlink:href="bbva-20221231.xsd#bbva_SolarisbankAGMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SolarisbankAGMember" xlink:to="lab_bbva_SolarisbankAGMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalInvestmentsInListedMarketsMember_50a685a5-df99-4a1c-a0fc-5f584821d271_terseLabel_en-US" xlink:label="lab_bbva_TotalInvestmentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total investments in listed markets [Member]</link:label>
    <link:label id="lab_bbva_TotalInvestmentsInListedMarketsMember_label_en-US" xlink:label="lab_bbva_TotalInvestmentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total investments in listed markets [Member]</link:label>
    <link:label id="lab_bbva_TotalInvestmentsInListedMarketsMember_documentation_en-US" xlink:label="lab_bbva_TotalInvestmentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total investments in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalInvestmentsInListedMarketsMember" xlink:href="bbva-20221231.xsd#bbva_TotalInvestmentsInListedMarketsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalInvestmentsInListedMarketsMember" xlink:to="lab_bbva_TotalInvestmentsInListedMarketsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationDomain_3b86937a-5290-466e-8535-fd7e7a20b1fa_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration [Domain]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationDomain_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration [Domain]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationDomain_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationDomain" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationDomain" xlink:to="lab_bbva_AnnualVariableRemunerationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValueOfCollateralMember_1e668520-2457-4a49-9781-cf073fb3744c_terseLabel_en-US" xlink:label="lab_bbva_ValueOfCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of collateral [Member]</link:label>
    <link:label id="lab_bbva_ValueOfCollateralMember_label_en-US" xlink:label="lab_bbva_ValueOfCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of collateral [Member]</link:label>
    <link:label id="lab_bbva_ValueOfCollateralMember_documentation_en-US" xlink:label="lab_bbva_ValueOfCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValueOfCollateralMember" xlink:href="bbva-20221231.xsd#bbva_ValueOfCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValueOfCollateralMember" xlink:to="lab_bbva_ValueOfCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpensesBenefitCommitments_9da08181-c1dd-4dc3-820a-e825b6226161_terseLabel_en-US" xlink:label="lab_bbva_InterestExpensesBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expenses Benefit Commitments</link:label>
    <link:label id="lab_bbva_InterestExpensesBenefitCommitments_label_en-US" xlink:label="lab_bbva_InterestExpensesBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expenses Benefit Commitments</link:label>
    <link:label id="lab_bbva_InterestExpensesBenefitCommitments_documentation_en-US" xlink:label="lab_bbva_InterestExpensesBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expenses Benefit Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpensesBenefitCommitments" xlink:href="bbva-20221231.xsd#bbva_InterestExpensesBenefitCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpensesBenefitCommitments" xlink:to="lab_bbva_InterestExpensesBenefitCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DemandDepositsMember_85e7686b-4362-43a1-9c7e-4c93f1c985bc_terseLabel_en-US" xlink:label="lab_bbva_DemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand Deposits [Member]</link:label>
    <link:label id="lab_bbva_DemandDepositsMember_label_en-US" xlink:label="lab_bbva_DemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand Deposits [Member]</link:label>
    <link:label id="lab_bbva_DemandDepositsMember_documentation_en-US" xlink:label="lab_bbva_DemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DemandDepositsMember" xlink:href="bbva-20221231.xsd#bbva_DemandDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DemandDepositsMember" xlink:to="lab_bbva_DemandDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember_419d1207-f5e6-4e18-9631-1293d406540f_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets leased out under an operating lease [Member]</link:label>
    <link:label id="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember_label_en-US" xlink:label="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets leased out under an operating lease [Member]</link:label>
    <link:label id="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets leased out under an operating lease</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:href="bbva-20221231.xsd#bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:to="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_c3af5ef6-f769-4770-b0bf-fb4caa0fae56_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) from investments in equity instruments</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) from investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FXDerivativesMember_012f559f-57c0-4338-bd76-9508658b17fb_terseLabel_en-US" xlink:label="lab_bbva_FXDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FX derivatives [Member]</link:label>
    <link:label id="lab_bbva_FXDerivativesMember_label_en-US" xlink:label="lab_bbva_FXDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FX derivatives [Member]</link:label>
    <link:label id="lab_bbva_FXDerivativesMember_documentation_en-US" xlink:label="lab_bbva_FXDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FX derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FXDerivativesMember" xlink:href="bbva-20221231.xsd#bbva_FXDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FXDerivativesMember" xlink:to="lab_bbva_FXDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BecomingWriteOffs_10240b41-b035-4d89-8074-2f6879dd1a24_terseLabel_en-US" xlink:label="lab_bbva_BecomingWriteOffs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Becoming write offs</link:label>
    <link:label id="lab_bbva_BecomingWriteOffs_label_en-US" xlink:label="lab_bbva_BecomingWriteOffs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Becoming write offs</link:label>
    <link:label id="lab_bbva_BecomingWriteOffs_documentation_en-US" xlink:label="lab_bbva_BecomingWriteOffs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Becoming write offs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BecomingWriteOffs" xlink:href="bbva-20221231.xsd#bbva_BecomingWriteOffs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BecomingWriteOffs" xlink:to="lab_bbva_BecomingWriteOffs" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestRevenueExpense_74f7f031-2406-45d0-b4ad-27439213ac38_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income (expense)</link:label>
    <link:label id="lab_ifrs-full_InterestRevenueExpense_label_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income (expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRevenueExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestRevenueExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRevenueExpense" xlink:to="lab_ifrs-full_InterestRevenueExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of financial position [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="lab_ifrs-full_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NSFRMainLMUTable_e86e451c-9ae9-4a6b-85ca-79cd77bc050b_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU [Table]</link:label>
    <link:label id="lab_bbva_NSFRMainLMUTable_label_en-US" xlink:label="lab_bbva_NSFRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU [Table]</link:label>
    <link:label id="lab_bbva_NSFRMainLMUTable_documentation_en-US" xlink:label="lab_bbva_NSFRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NSFRMainLMUTable" xlink:href="bbva-20221231.xsd#bbva_NSFRMainLMUTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NSFRMainLMUTable" xlink:to="lab_bbva_NSFRMainLMUTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AddressTypeDomain_dfeaca81-e2c4-4970-bce9-351ee9f615d0_terseLabel_en-US" xlink:label="lab_dei_AddressTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Address Type [Domain]</link:label>
    <link:label id="lab_dei_AddressTypeDomain_label_en-US" xlink:label="lab_dei_AddressTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Address Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AddressTypeDomain" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AddressTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AddressTypeDomain" xlink:to="lab_dei_AddressTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NonlifeInsuranceContractsMember_a5e3b82d-06c4-4878-9e88-a797d7657cbb_terseLabel_en-US" xlink:label="lab_ifrs-full_NonlifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-life insurance contracts [member]</link:label>
    <link:label id="lab_ifrs-full_NonlifeInsuranceContractsMember_label_en-US" xlink:label="lab_ifrs-full_NonlifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-life insurance contracts [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NonlifeInsuranceContractsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NonlifeInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NonlifeInsuranceContractsMember" xlink:to="lab_ifrs-full_NonlifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesDomain_e086fa1e-25b4-4252-b12d-97b979ab7778_terseLabel_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transferred financial liabilities [Domain]</link:label>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesDomain_label_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transferred financial liabilities [Domain]</link:label>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesDomain_documentation_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transferred financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredFinancialLiabilitiesDomain" xlink:href="bbva-20221231.xsd#bbva_TransferredFinancialLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransferredFinancialLiabilitiesDomain" xlink:to="lab_bbva_TransferredFinancialLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain_54387e49-1c9d-4f06-8137-b69b3fa385f2_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Domain]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain_label_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Domain]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksBreakdownByGeographyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:to="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl_a8f5de55-cf4c-442b-8a64-cd99334d04ea_terseLabel_en-US" xlink:label="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Legal audit of bbva sa or its companies under control</link:label>
    <link:label id="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl_label_en-US" xlink:label="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Legal audit of bbva sa or its companies under control</link:label>
    <link:label id="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl_documentation_en-US" xlink:label="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Legal audit of bbva sa or its companies under control</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:href="bbva-20221231.xsd#bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:to="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdministrationCostsAbstract_d52ee2f5-4004-4d80-80b5-9028bf2788c8_terseLabel_en-US" xlink:label="lab_bbva_AdministrationCostsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administration Costs [Abstract]</link:label>
    <link:label id="lab_bbva_AdministrationCostsAbstract_label_en-US" xlink:label="lab_bbva_AdministrationCostsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administration Costs [Abstract]</link:label>
    <link:label id="lab_bbva_AdministrationCostsAbstract_documentation_en-US" xlink:label="lab_bbva_AdministrationCostsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administration Costs [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdministrationCostsAbstract" xlink:href="bbva-20221231.xsd#bbva_AdministrationCostsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdministrationCostsAbstract" xlink:to="lab_bbva_AdministrationCostsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain_d5a959ba-f79d-475b-8767-1aba20f60e9a_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers [Domain]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers [Domain]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances at amortized cost to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:to="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherNonFinancialServicesMember_9a01f2f8-11a5-4876-ae5b-0a4237e73660_terseLabel_en-US" xlink:label="lab_bbva_OtherNonFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non-financial services [Member]</link:label>
    <link:label id="lab_bbva_OtherNonFinancialServicesMember_label_en-US" xlink:label="lab_bbva_OtherNonFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non-financial services [Member]</link:label>
    <link:label id="lab_bbva_OtherNonFinancialServicesMember_documentation_en-US" xlink:label="lab_bbva_OtherNonFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non-financial services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonFinancialServicesMember" xlink:href="bbva-20221231.xsd#bbva_OtherNonFinancialServicesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherNonFinancialServicesMember" xlink:to="lab_bbva_OtherNonFinancialServicesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OutflowsOfCashFromInvestingActivities_24ad46e5-3142-426c-b687-b08dfa1e80f1_negatedTotalLabel_en-US" xlink:label="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Outflows of cash from investing activities</link:label>
    <link:label id="lab_ifrs-full_OutflowsOfCashFromInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Outflows of cash from investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OutflowsOfCashFromInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:to="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformDomain_1ae6918c-bfbb-4c37-8f96-f8f19d23b9dc_terseLabel_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform [Domain]</link:label>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformDomain_label_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform [Domain]</link:label>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformDomain_documentation_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgesAffectedByTheIBORReformDomain" xlink:href="bbva-20221231.xsd#bbva_HedgesAffectedByTheIBORReformDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgesAffectedByTheIBORReformDomain" xlink:to="lab_bbva_HedgesAffectedByTheIBORReformDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_f668d303-33f4-40a4-837e-424fb53773ce_terseLabel_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_label_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_IcfrAuditorAttestationFlag" xlink:to="lab_dei_IcfrAuditorAttestationFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact_61262f5e-ec6b-4a6c-96c0-33c0a245b41e_terseLabel_en-US" xlink:label="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel expense consolidated income statement impact</link:label>
    <link:label id="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact_label_en-US" xlink:label="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel expense consolidated income statement impact</link:label>
    <link:label id="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact_documentation_en-US" xlink:label="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel expense consolidated income statement impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:href="bbva-20221231.xsd#bbva_PersonnelExpenseConsolidatedIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:to="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesChangesOfTheYearDomain_a59f2933-4571-4cb4-95d4-44a93ddf7f0c_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesChangesOfTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares changes of the year [Domain]</link:label>
    <link:label id="lab_bbva_TreasurySharesChangesOfTheYearDomain_label_en-US" xlink:label="lab_bbva_TreasurySharesChangesOfTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares changes of the year [Domain]</link:label>
    <link:label id="lab_bbva_TreasurySharesChangesOfTheYearDomain_documentation_en-US" xlink:label="lab_bbva_TreasurySharesChangesOfTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares changes of the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesChangesOfTheYearDomain" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesChangesOfTheYearDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesChangesOfTheYearDomain" xlink:to="lab_bbva_TreasurySharesChangesOfTheYearDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems_fbefa781-f524-47ce-b91d-87b667d316f1_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value by levels [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value by levels [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisions_fdac2746-10af-43ca-af6e-a2e666bef841_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisions_label_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisions_documentation_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsOrReversalOfProvisions" xlink:href="bbva-20221231.xsd#bbva_ProvisionsOrReversalOfProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsOrReversalOfProvisions" xlink:to="lab_bbva_ProvisionsOrReversalOfProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfStageDomain_91fa993a-3866-485e-a1a8-1d600d98a56e_terseLabel_en-US" xlink:label="lab_bbva_TypeOfStageDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of stage [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfStageDomain_label_en-US" xlink:label="lab_bbva_TypeOfStageDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of stage [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfStageDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfStageDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of stage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfStageDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfStageDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfStageDomain" xlink:to="lab_bbva_TypeOfStageDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest_bc183a49-a05e-429f-bc59-709ab01df2dd_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income non controlling interest</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest_label_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income non controlling interest</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest_documentation_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income non controlling interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:href="bbva-20221231.xsd#bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest"/>
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    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans_ed2c4592-f82a-41e1-8387-802d52fbd4f5_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) on remeasurements of defined benefit plans</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesToCustomersTableTextBlock"/>
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    <link:label id="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember_6da6c6ce-f320-459e-9cc3-5cc1bbfedc51_terseLabel_en-US" xlink:label="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical cost trend rate sensitivity analysis [Member]</link:label>
    <link:label id="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember_label_en-US" xlink:label="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical cost trend rate sensitivity analysis [Member]</link:label>
    <link:label id="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember_documentation_en-US" xlink:label="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical cost trend rate sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalCostTrendRateSensitivityAnalysisMember" xlink:href="bbva-20221231.xsd#bbva_MedicalCostTrendRateSensitivityAnalysisMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalCostTrendRateSensitivityAnalysisMember" xlink:to="lab_bbva_MedicalCostTrendRateSensitivityAnalysisMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis_c0b3f695-eceb-413f-8560-800209366630_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Axis]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Axis]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RepurchaseAgreementMember_57dae592-879a-4d36-88c2-c8e9d1958d88_terseLabel_en-US" xlink:label="lab_bbva_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase agreement [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseAgreementMember_label_en-US" xlink:label="lab_bbva_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase agreement [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseAgreementMember_documentation_en-US" xlink:label="lab_bbva_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase agreement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepurchaseAgreementMember" xlink:href="bbva-20221231.xsd#bbva_RepurchaseAgreementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RepurchaseAgreementMember" xlink:to="lab_bbva_RepurchaseAgreementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LIBORUSDMaturityAfterJune302023_73d865b9-6274-4c98-bad7-40a3d7ce64f0_terseLabel_en-US" xlink:label="lab_bbva_LIBORUSDMaturityAfterJune302023" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR USD maturity after june 30 2023</link:label>
    <link:label id="lab_bbva_LIBORUSDMaturityAfterJune302023_label_en-US" xlink:label="lab_bbva_LIBORUSDMaturityAfterJune302023" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR USD maturity after june 30 2023</link:label>
    <link:label id="lab_bbva_LIBORUSDMaturityAfterJune302023_documentation_en-US" xlink:label="lab_bbva_LIBORUSDMaturityAfterJune302023" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR USD maturity after june 30 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LIBORUSDMaturityAfterJune302023" xlink:href="bbva-20221231.xsd#bbva_LIBORUSDMaturityAfterJune302023"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LIBORUSDMaturityAfterJune302023" xlink:to="lab_bbva_LIBORUSDMaturityAfterJune302023" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading_2c3326d3-6dfe-4d01-9a16-de3d6a5bac9c_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from credit institutions held for trading</link:label>
    <link:label id="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading_label_en-US" xlink:label="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from credit institutions held for trading</link:label>
    <link:label id="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading_documentation_en-US" xlink:label="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from credit institutions held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCreditInstitutionsHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_DepositsFromCreditInstitutionsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCreditInstitutionsHeldForTrading" xlink:to="lab_bbva_DepositsFromCreditInstitutionsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets_82a3723d-a03f-4d0e-9c8e-63d93f340a19_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Intangible Assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Intangible Assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember_64c393b3-d48a-4364-8723-6eaefb78ee6f_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation profit or loss before tax [Member]</link:label>
    <link:label id="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember_label_en-US" xlink:label="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation profit or loss before tax [Member]</link:label>
    <link:label id="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember_documentation_en-US" xlink:label="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation profit or loss before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:href="bbva-20221231.xsd#bbva_ReconciliationProfitOrLossBeforeTaxMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:to="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_IT_3a3b774b-20be-4a37-ba5b-b7ae4c3baf41_terseLabel_en-US" xlink:label="lab_country_IT" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ITALY</link:label>
    <link:label id="lab_country_IT_label_en-US" xlink:label="lab_country_IT" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ITALY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_IT" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_IT"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_IT" xlink:to="lab_country_IT" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVASAMember_c9def8dd-a5d5-4818-9825-567a9e5198d4_terseLabel_en-US" xlink:label="lab_bbva_BBVASAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA SA [Member]</link:label>
    <link:label id="lab_bbva_BBVASAMember_label_en-US" xlink:label="lab_bbva_BBVASAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA S.A. [Member]</link:label>
    <link:label id="lab_bbva_BBVASAMember_documentation_en-US" xlink:label="lab_bbva_BBVASAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVASAMember" xlink:href="bbva-20221231.xsd#bbva_BBVASAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVASAMember" xlink:to="lab_bbva_BBVASAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions_2f02668c-bd7d-41e3-86ec-b7ed82e810f5_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisition of subsidiaries of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions_label_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisition of subsidiaries of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions_documentation_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Acquisition of subsidiaries of provisions for taxes legal contingents and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:href="bbva-20221231.xsd#bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:to="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestrictedReserves_032fb504-6e29-4087-b066-b393d4bf1503_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserves</link:label>
    <link:label id="lab_bbva_RestrictedReserves_label_en-US" xlink:label="lab_bbva_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserves</link:label>
    <link:label id="lab_bbva_RestrictedReserves_documentation_en-US" xlink:label="lab_bbva_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserves" xlink:href="bbva-20221231.xsd#bbva_RestrictedReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestrictedReserves" xlink:to="lab_bbva_RestrictedReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered_1abe6d88-5c13-418e-9fe5-1d8dfa5654b7_terseLabel_en-US" xlink:label="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</link:label>
    <link:label id="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered_label_en-US" xlink:label="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</link:label>
    <link:label id="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered_documentation_en-US" xlink:label="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:href="bbva-20221231.xsd#bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:to="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsTable_d24df00f-8c45-462f-9b94-ab54349595b8_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Table]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsTable_label_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Table]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsTable_documentation_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsTable" xlink:href="bbva-20221231.xsd#bbva_DepreciationRatesForTangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationRatesForTangibleAssetsTable" xlink:to="lab_bbva_DepreciationRatesForTangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_e86b3922-308b-4565-ab9e-78d659c0c3d8_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:label id="lab_dei_EntityCurrentReportingStatus_label_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCurrentReportingStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_YearsDomain_376363cb-8391-4628-9e50-14f35ad32a01_terseLabel_en-US" xlink:label="lab_bbva_YearsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Years [Domain]</link:label>
    <link:label id="lab_bbva_YearsDomain_label_en-US" xlink:label="lab_bbva_YearsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Years [Domain]</link:label>
    <link:label id="lab_bbva_YearsDomain_documentation_en-US" xlink:label="lab_bbva_YearsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Years</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_YearsDomain" xlink:href="bbva-20221231.xsd#bbva_YearsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_YearsDomain" xlink:to="lab_bbva_YearsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_8a993156-728a-411b-8587-54806e439d07_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member]</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionPlanAssets_3656e88f-9c45-44e2-a394-6fbe3ea53adc_terseLabel_en-US" xlink:label="lab_bbva_PensionPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension plan assets</link:label>
    <link:label id="lab_bbva_PensionPlanAssets_label_en-US" xlink:label="lab_bbva_PensionPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension plan assets</link:label>
    <link:label id="lab_bbva_PensionPlanAssets_documentation_en-US" xlink:label="lab_bbva_PensionPlanAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionPlanAssets" xlink:href="bbva-20221231.xsd#bbva_PensionPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionPlanAssets" xlink:to="lab_bbva_PensionPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementTableTextBlock_b20023af-6201-41b8-a5ce-eb80bf53e0c6_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior Management [Table Text Block]</link:label>
    <link:label id="lab_bbva_SeniorManagementTableTextBlock_label_en-US" xlink:label="lab_bbva_SeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior Management [Table Text Block]</link:label>
    <link:label id="lab_bbva_SeniorManagementTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SeniorManagementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorManagementTableTextBlock" xlink:to="lab_bbva_SeniorManagementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable_5868cdac-f164-453e-ae81-7d5c309f6e2d_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts [Table]</link:label>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable_label_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts [Table]</link:label>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable_documentation_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:href="bbva-20221231.xsd#bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:to="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_country_JP_cc4b3cf0-dfeb-4501-8b88-c3c00a58a8ef_terseLabel_en-US" xlink:label="lab_country_JP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">JAPAN</link:label>
    <link:label id="lab_country_JP_label_en-US" xlink:label="lab_country_JP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">JAPAN</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_JP" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_JP"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_JP" xlink:to="lab_country_JP" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities_b2fcdfdf-d572-4690-b063-7802b271c122_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-cash changes liabilities from financing activities</link:label>
    <link:label id="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities_label_en-US" xlink:label="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-cash changes liabilities from financing activities</link:label>
    <link:label id="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-cash changes liabilities from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:href="bbva-20221231.xsd#bbva_NonCashChangesLiabilitiesFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:to="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread_0a0c91a5-2388-4f84-bfd2-9c311e8dd1bf_terseLabel_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage impact on net economic value credit spread</link:label>
    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread_label_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage impact on net economic value credit spread</link:label>
    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread_documentation_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage impact on net economic value credit spread</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:href="bbva-20221231.xsd#bbva_PercentageImpactOnNetEconomicValueCreditSpread"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:to="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVACCMinusRatingMember_4b56d00f-4359-4f04-9d27-fd8b6d0e258a_terseLabel_en-US" xlink:label="lab_bbva_BBVACCMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVACCMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVACCMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC minus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVACCMinusRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVACCMinusRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVACCMinusRatingMember" xlink:to="lab_bbva_BBVACCMinusRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccommodationAndFoodServiceActivitiesMember_366db4d3-502f-4c4f-9251-8eb1ea8e7ff1_terseLabel_en-US" xlink:label="lab_bbva_AccommodationAndFoodServiceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accommodation and food service activities [Member]</link:label>
    <link:label id="lab_bbva_AccommodationAndFoodServiceActivitiesMember_label_en-US" xlink:label="lab_bbva_AccommodationAndFoodServiceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accommodation and food service activities [Member]</link:label>
    <link:label id="lab_bbva_AccommodationAndFoodServiceActivitiesMember_documentation_en-US" xlink:label="lab_bbva_AccommodationAndFoodServiceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accommodation and food service activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccommodationAndFoodServiceActivitiesMember" xlink:href="bbva-20221231.xsd#bbva_AccommodationAndFoodServiceActivitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccommodationAndFoodServiceActivitiesMember" xlink:to="lab_bbva_AccommodationAndFoodServiceActivitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdditionalPaidinCapital_79a31d64-2fdd-4571-9b2f-c6bcb29ef1d7_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionalPaidinCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional paid-in capital</link:label>
    <link:label id="lab_ifrs-full_AdditionalPaidinCapital_label_en-US" xlink:label="lab_ifrs-full_AdditionalPaidinCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional paid-in capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionalPaidinCapital" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdditionalPaidinCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdditionalPaidinCapital" xlink:to="lab_ifrs-full_AdditionalPaidinCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis_d3397017-4b4d-4677-abfe-7cc9b2ce98ef_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on derivatives breakdown by financial instrument classes of financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on derivatives breakdown by financial instrument classes of financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on derivatives breakdown by financial instrument classes of financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:to="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain_788dbac3-8d22-4dca-8ac2-78d4a36da09f_terseLabel_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain_label_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichSecuredFinancialInstrumentsDomain" xlink:href="bbva-20221231.xsd#bbva_OfWhichSecuredFinancialInstrumentsDomain"/>
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    <link:label id="lab_bbva_Tier2RegulatoryAdjustmentsMember_bd5874ea-4eee-4133-981a-a3b9b372541e_terseLabel_en-US" xlink:label="lab_bbva_Tier2RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_Tier2RegulatoryAdjustmentsMember_label_en-US" xlink:label="lab_bbva_Tier2RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_Tier2RegulatoryAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_Tier2RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2RegulatoryAdjustmentsMember" xlink:href="bbva-20221231.xsd#bbva_Tier2RegulatoryAdjustmentsMember"/>
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    <link:label id="lab_ifrs-full_ProfitLossFromOperatingActivities_5eaa2f0a-6f82-43af-b75e-9a9b80383b86_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) from operating activities</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromOperatingActivities_21f5fca5-3cee-445b-aff7-2669ba693ffd_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) from operating activities</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) from operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossFromOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromOperatingActivities" xlink:to="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SmallCompaniesMember_1a93343f-e1f8-47b9-a8fd-976759788a4c_terseLabel_en-US" xlink:label="lab_bbva_SmallCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Small companies [Member]</link:label>
    <link:label id="lab_bbva_SmallCompaniesMember_label_en-US" xlink:label="lab_bbva_SmallCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Small companies [Member]</link:label>
    <link:label id="lab_bbva_SmallCompaniesMember_documentation_en-US" xlink:label="lab_bbva_SmallCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Small companies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SmallCompaniesMember" xlink:href="bbva-20221231.xsd#bbva_SmallCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SmallCompaniesMember" xlink:to="lab_bbva_SmallCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditInvestmentPercentage_ce59d29a-670c-4623-9811-e7c9111496f4_terseLabel_en-US" xlink:label="lab_bbva_CreditInvestmentPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit investment percentage</link:label>
    <link:label id="lab_bbva_CreditInvestmentPercentage_label_en-US" xlink:label="lab_bbva_CreditInvestmentPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit investment percentage</link:label>
    <link:label id="lab_bbva_CreditInvestmentPercentage_documentation_en-US" xlink:label="lab_bbva_CreditInvestmentPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit investment percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditInvestmentPercentage" xlink:href="bbva-20221231.xsd#bbva_CreditInvestmentPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditInvestmentPercentage" xlink:to="lab_bbva_CreditInvestmentPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MostFavorableHypothesisMember_4b761851-876a-4316-b9f8-05b3f5755153_terseLabel_en-US" xlink:label="lab_bbva_MostFavorableHypothesisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Most favorable hypothesis [Member]</link:label>
    <link:label id="lab_bbva_MostFavorableHypothesisMember_label_en-US" xlink:label="lab_bbva_MostFavorableHypothesisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Most favorable hypothesis [Member]</link:label>
    <link:label id="lab_bbva_MostFavorableHypothesisMember_documentation_en-US" xlink:label="lab_bbva_MostFavorableHypothesisMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Most favorable hypothesis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MostFavorableHypothesisMember" xlink:href="bbva-20221231.xsd#bbva_MostFavorableHypothesisMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MostFavorableHypothesisMember" xlink:to="lab_bbva_MostFavorableHypothesisMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareholdersEquity_6fae139d-1e98-4886-bda7-eac0d5c55e01_totalLabel_en-US" xlink:label="lab_bbva_ShareholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholders equity</link:label>
    <link:label id="lab_bbva_ShareholdersEquity_label_en-US" xlink:label="lab_bbva_ShareholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholders equity</link:label>
    <link:label id="lab_bbva_ShareholdersEquity_documentation_en-US" xlink:label="lab_bbva_ShareholdersEquity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholders equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareholdersEquity" xlink:href="bbva-20221231.xsd#bbva_ShareholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareholdersEquity" xlink:to="lab_bbva_ShareholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves_5cc4b81c-999a-4854-a23f-ea3d40793de8_terseLabel_en-US" xlink:label="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total retained earnings revaluation reserves and other reserves</link:label>
    <link:label id="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves_label_en-US" xlink:label="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total retained earnings revaluation reserves and other reserves</link:label>
    <link:label id="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves_documentation_en-US" xlink:label="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total retained earnings revaluation reserves and other reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" xlink:href="bbva-20221231.xsd#bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" xlink:to="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVACCCMinusRatingMember_e8a1255d-3ed5-4562-83a1-21a2f79d9f79_terseLabel_en-US" xlink:label="lab_bbva_BBVACCCMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CCC minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCCMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVACCCMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CCC minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCCMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVACCCMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CCC minus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVACCCMinusRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVACCCMinusRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVACCCMinusRatingMember" xlink:to="lab_bbva_BBVACCCMinusRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale_cf733d63-eb79-4ef9-8341-8e6812a21f37_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on non current assets held for sale</link:label>
    <link:label id="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on non current assets held for sale</link:label>
    <link:label id="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnNonCurrentAssetsHeldForSale" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_GainsLossesOnNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2023Member_a53c12f8-fa3e-44ca-a551-75346545e49e_terseLabel_en-US" xlink:label="lab_bbva_A2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2023 [Member]</link:label>
    <link:label id="lab_bbva_A2023Member_label_en-US" xlink:label="lab_bbva_A2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2023 [Member]</link:label>
    <link:label id="lab_bbva_A2023Member_documentation_en-US" xlink:label="lab_bbva_A2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2023Member" xlink:href="bbva-20221231.xsd#bbva_A2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2023Member" xlink:to="lab_bbva_A2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets_804e84f3-664e-4cd8-acea-7423a8c3c48f_negatedTerseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment on non financial assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets_5b4594ec-27b8-4d73-a60a-8d338bc48e2d_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment on non financial assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment on non financial assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment on non financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityInstrumentsHeld_cee7bdd2-e99a-4210-9feb-43ed75a1a13b_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityInstrumentsHeld" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments held</link:label>
    <link:label id="lab_ifrs-full_EquityInstrumentsHeld_label_en-US" xlink:label="lab_ifrs-full_EquityInstrumentsHeld" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments held</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityInstrumentsHeld" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EquityInstrumentsHeld"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityInstrumentsHeld" xlink:to="lab_ifrs-full_EquityInstrumentsHeld" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable_57bd84ca-4176-4b42-9e6c-f82925374554_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Table]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items [Table]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale breakdown by items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_58e8cf5d-f308-4b8d-b3b8-30c93a0dad92_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial liabilities held for hedging</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_label_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial liabilities held for hedging</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:to="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubjectToLifetimeECLMember_ec079169-4be4-4a13-80ad-9adafd0bada2_terseLabel_en-US" xlink:label="lab_bbva_SubjectToLifetimeECLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subject to lifetime ECL [Member]</link:label>
    <link:label id="lab_bbva_SubjectToLifetimeECLMember_label_en-US" xlink:label="lab_bbva_SubjectToLifetimeECLMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subject to lifetime ECL [Member]</link:label>
    <link:label id="lab_bbva_SubjectToLifetimeECLMember_documentation_en-US" xlink:label="lab_bbva_SubjectToLifetimeECLMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subject to lifetime ECL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubjectToLifetimeECLMember" xlink:href="bbva-20221231.xsd#bbva_SubjectToLifetimeECLMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubjectToLifetimeECLMember" xlink:to="lab_bbva_SubjectToLifetimeECLMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain_14c40109-9a2e-447b-8f20-26d6d08bcc7b_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by country [Domain]</link:label>
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    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeeAndCommissionExpenseLineItems_fe56976d-3ba4-4226-95d5-902b968a56b3_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission expense [Line Items]</link:label>
    <link:label id="lab_bbva_FeeAndCommissionExpenseLineItems_label_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission expense [Line Items]</link:label>
    <link:label id="lab_bbva_FeeAndCommissionExpenseLineItems_documentation_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeeAndCommissionExpenseLineItems" xlink:href="bbva-20221231.xsd#bbva_FeeAndCommissionExpenseLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeeAndCommissionExpenseLineItems" xlink:to="lab_bbva_FeeAndCommissionExpenseLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_5953a78d-8bdb-4227-9f35-c172b3b995db_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Advances Financial Assets At Fair Value Through Other Comprehensive Income</link:label>
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    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTable_documentation_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost</link:label>
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    <link:label id="lab_bbva_TimeDepositsAndOtherMember_c031d8df-0403-41c4-99f5-0568e9948bad_terseLabel_en-US" xlink:label="lab_bbva_TimeDepositsAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time deposits and other [Member]</link:label>
    <link:label id="lab_bbva_TimeDepositsAndOtherMember_label_en-US" xlink:label="lab_bbva_TimeDepositsAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time deposits and other [Member]</link:label>
    <link:label id="lab_bbva_TimeDepositsAndOtherMember_documentation_en-US" xlink:label="lab_bbva_TimeDepositsAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time deposits and other</link:label>
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    <link:label id="lab_bbva_EffectiveTaxRateTableTextBlock_documentation_en-US" xlink:label="lab_bbva_EffectiveTaxRateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate</link:label>
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    <link:label id="lab_ifrs-full_EquityMember_e182b55e-f185-4422-9435-9c466cc7ee99_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity [member]</link:label>
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    <link:label id="lab_bbva_NonControllingInterestAbstract_880acb43-630f-4d94-94d4-ac702fd77bc8_terseLabel_en-US" xlink:label="lab_bbva_NonControllingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non Controlling Interest [Abstract]</link:label>
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    <link:label id="lab_bbva_NonControllingInterestAbstract_documentation_en-US" xlink:label="lab_bbva_NonControllingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non Controlling Interest [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonControllingInterestAbstract" xlink:href="bbva-20221231.xsd#bbva_NonControllingInterestAbstract"/>
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    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductLineItems_7a2ccb85-ee22-448d-98c7-fe69f7cb9dd9_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance product [Line Items]</link:label>
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    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductLineItems_documentation_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance product</link:label>
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    <link:label id="lab_bbva_SubordinatedLiabilitiesMember_c5ec3a95-3dda-4094-8db6-808a2bdfae96_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities [Member]</link:label>
    <link:label id="lab_bbva_SubordinatedLiabilitiesMember_label_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities [Member]</link:label>
    <link:label id="lab_bbva_SubordinatedLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedLiabilitiesMember" xlink:href="bbva-20221231.xsd#bbva_SubordinatedLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubordinatedLiabilitiesMember" xlink:to="lab_bbva_SubordinatedLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeesForAuditsConductedLineItems_1d579f1e-5ee3-44ac-b265-bc3ea9994dd3_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted [Line Items]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedLineItems_label_en-US" xlink:label="lab_bbva_FeesForAuditsConductedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted [Line Items]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedLineItems_documentation_en-US" xlink:label="lab_bbva_FeesForAuditsConductedLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedLineItems" xlink:href="bbva-20221231.xsd#bbva_FeesForAuditsConductedLineItems"/>
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    <link:label id="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros_0d401a04-0974-4b43-a1fb-bdf28cea615b_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for redenomination of capital in euros</link:label>
    <link:label id="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros_label_en-US" xlink:label="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for redenomination of capital in euros</link:label>
    <link:label id="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros_documentation_en-US" xlink:label="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for redenomination of capital in euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:href="bbva-20221231.xsd#bbva_RestrictedReserveForRedenominationOfCapitalInEuros"/>
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    <link:label id="lab_ifrs-full_ActuarialAssumptionsAxis_2eeedb3d-119c-4ec5-9a8c-d076b9e3893f_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions [axis]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsAxis_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial assumptions [axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionsAxis" xlink:to="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAPlusRatingMember_c7268ea1-d9f8-403d-9d94-51ddc48fe315_terseLabel_en-US" xlink:label="lab_bbva_BBVAAPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A plus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAPlusRatingMember_label_en-US" xlink:label="lab_bbva_BBVAAPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A plus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAPlusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAAPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A plus Rating</link:label>
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    <link:label id="lab_bbva_InvestmentsInFinancingActivities_c8c20955-9950-45ca-b516-87c937f41376_negatedTotalLabel_en-US" xlink:label="lab_bbva_InvestmentsInFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in Financing Activities</link:label>
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    <link:label id="lab_bbva_InvestmentsInFinancingActivities_documentation_en-US" xlink:label="lab_bbva_InvestmentsInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in Financing Activities</link:label>
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    <link:label id="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities_d3e3630c-f971-44d7-acda-ef38f2939839_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of Level 1 into Level 2 of fair value hierarchy, liabilities held at end of reporting period</link:label>
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    <link:label id="lab_bbva_NetTransfersToLevel3_65177a0d-5942-47cc-b44f-b75f489f64ba_terseLabel_en-US" xlink:label="lab_bbva_NetTransfersToLevel3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net transfers to level 3</link:label>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock_45573d21-8e2e-4b69-8b27-7a65e73aab49_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table Text Block]</link:label>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:to="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems_2bf6449f-6e3b-49aa-b105-210380ab8052_terseLabel_en-US" xlink:label="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Avaiable for sale financial assets debt securities by rating [Line Items]</link:label>
    <link:label id="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems_label_en-US" xlink:label="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Avaiable for sale financial assets debt securities by rating [Line Items]</link:label>
    <link:label id="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems_documentation_en-US" xlink:label="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Avaiable for sale financial assets debt securities by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:href="bbva-20221231.xsd#bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:to="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsMember_156b008b-3853-4143-b72c-027927bfdbcf_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than five years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CorrelationRateCredit_37ba4051-d3e5-425a-8d52-07736c9ad967_terseLabel_en-US" xlink:label="lab_bbva_CorrelationRateCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Correlation rate credit</link:label>
    <link:label id="lab_bbva_CorrelationRateCredit_label_en-US" xlink:label="lab_bbva_CorrelationRateCredit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Correlation rate credit</link:label>
    <link:label id="lab_bbva_CorrelationRateCredit_documentation_en-US" xlink:label="lab_bbva_CorrelationRateCredit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Correlation rate credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CorrelationRateCredit" xlink:href="bbva-20221231.xsd#bbva_CorrelationRateCredit"/>
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    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_b45a30ab-2e35-4936-9f4d-ee29a86ff615_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on exchange differences on translation, before tax</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on exchange differences on translation of foreign operations, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax"/>
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    <link:label id="lab_bbva_EligibleCapitalResourcesLineItems_a047dd97-f5bc-46ee-ae47-41b12928fe17_terseLabel_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Eligible capital resources [Line Items]</link:label>
    <link:label id="lab_bbva_EligibleCapitalResourcesLineItems_label_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Eligible capital resources [Line Items]</link:label>
    <link:label id="lab_bbva_EligibleCapitalResourcesLineItems_documentation_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EligibleCapitalResourcesLineItems" xlink:href="bbva-20221231.xsd#bbva_EligibleCapitalResourcesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EligibleCapitalResourcesLineItems" xlink:to="lab_bbva_EligibleCapitalResourcesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareOfProfitAndLoss_08ec030e-d0e2-44bb-991e-d5e162b6210a_terseLabel_en-US" xlink:label="lab_bbva_ShareOfProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of profit and loss</link:label>
    <link:label id="lab_bbva_ShareOfProfitAndLoss_label_en-US" xlink:label="lab_bbva_ShareOfProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of profit and loss</link:label>
    <link:label id="lab_bbva_ShareOfProfitAndLoss_documentation_en-US" xlink:label="lab_bbva_ShareOfProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of profit and loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareOfProfitAndLoss" xlink:href="bbva-20221231.xsd#bbva_ShareOfProfitAndLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareOfProfitAndLoss" xlink:to="lab_bbva_ShareOfProfitAndLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransportAndStorageMember_28b8e7d8-f43f-445c-8b6e-6f1a05c64df9_terseLabel_en-US" xlink:label="lab_bbva_TransportAndStorageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transport and storage [Member]</link:label>
    <link:label id="lab_bbva_TransportAndStorageMember_label_en-US" xlink:label="lab_bbva_TransportAndStorageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transport and storage [Member]</link:label>
    <link:label id="lab_bbva_TransportAndStorageMember_documentation_en-US" xlink:label="lab_bbva_TransportAndStorageMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transport and storage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransportAndStorageMember" xlink:href="bbva-20221231.xsd#bbva_TransportAndStorageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransportAndStorageMember" xlink:to="lab_bbva_TransportAndStorageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVACCPlusRatingMember_74522d11-410a-4b36-a3a9-9cc17bfeebfa_terseLabel_en-US" xlink:label="lab_bbva_BBVACCPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC Plus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCPlusRatingMember_label_en-US" xlink:label="lab_bbva_BBVACCPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC Plus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVACCPlusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVACCPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC Plus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVACCPlusRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVACCPlusRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVACCPlusRatingMember" xlink:to="lab_bbva_BBVACCPlusRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_MX_afa24605-c2e9-4660-a8fe-ca858c93dcc2_terseLabel_en-US" xlink:label="lab_country_MX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">MEXICO</link:label>
    <link:label id="lab_country_MX_label_en-US" xlink:label="lab_country_MX" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">MEXICO</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_MX" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_MX"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_MX" xlink:to="lab_country_MX" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnNetExchangeDifferences_8d56ebb8-f98f-419e-8e71-3a294d1dff58_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnNetExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on net exchange differences</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnNetExchangeDifferences_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnNetExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on net exchange differences</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnNetExchangeDifferences_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnNetExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on net exchange differences</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnNetExchangeDifferences" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnNetExchangeDifferences"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnNetExchangeDifferences" xlink:to="lab_bbva_GainsOrLossesOnNetExchangeDifferences" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2025Member_c84d20a0-3d08-4324-bd2d-7416045f4d8d_terseLabel_en-US" xlink:label="lab_bbva_A2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2025 [Member]</link:label>
    <link:label id="lab_bbva_A2025Member_label_en-US" xlink:label="lab_bbva_A2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2025 [Member]</link:label>
    <link:label id="lab_bbva_A2025Member_documentation_en-US" xlink:label="lab_bbva_A2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2025Member" xlink:href="bbva-20221231.xsd#bbva_A2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2025Member" xlink:to="lab_bbva_A2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock_c140033f-e748-43df-a90c-b01ff1997a8c_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for business combinations [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for business combinations [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for business combinations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Level1TradableAssetsMember_6b57d665-5d9c-4570-a64e-a8cc164fcf7e_terseLabel_en-US" xlink:label="lab_bbva_Level1TradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 1 tradable assets [Member]</link:label>
    <link:label id="lab_bbva_Level1TradableAssetsMember_label_en-US" xlink:label="lab_bbva_Level1TradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 1 tradable assets [Member]</link:label>
    <link:label id="lab_bbva_Level1TradableAssetsMember_documentation_en-US" xlink:label="lab_bbva_Level1TradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 1 tradable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Level1TradableAssetsMember" xlink:href="bbva-20221231.xsd#bbva_Level1TradableAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Level1TradableAssetsMember" xlink:to="lab_bbva_Level1TradableAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain_5123e145-c5e5-4c48-a36a-b797a0e9dc2f_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LtSCDByLMUTable_a19f0bf6-21bc-412b-88af-7c67bba61e73_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Table]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUTable_label_en-US" xlink:label="lab_bbva_LtSCDByLMUTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Table]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUTable_documentation_en-US" xlink:label="lab_bbva_LtSCDByLMUTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUTable" xlink:href="bbva-20221231.xsd#bbva_LtSCDByLMUTable"/>
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    <link:label id="lab_bbva_HedgingDerivativesIneffectivenessMember_537e49cb-74f5-40d8-be52-2b07f470ecd3_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives ineffectiveness [Member]</link:label>
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    <link:label id="lab_bbva_HedgingDerivativesIneffectivenessMember_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives ineffectiveness</link:label>
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    <link:label id="lab_bbva_GovernmentAgencyDebtSecuritiesMember_61f40d58-8f0a-4942-8458-5206a003b1ca_terseLabel_en-US" xlink:label="lab_bbva_GovernmentAgencyDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Government agency debt securities [Member]</link:label>
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    <link:label id="lab_bbva_GovernmentAgencyDebtSecuritiesMember_documentation_en-US" xlink:label="lab_bbva_GovernmentAgencyDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Government agency debt securities</link:label>
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    <link:label id="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember_535c6bcd-aad1-4b9a-a0ef-bcab083cf37d_terseLabel_en-US" xlink:label="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Home insurance non life insurance contracts [Member]</link:label>
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    <link:label id="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember_documentation_en-US" xlink:label="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Home insurance non life insurance contracts</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:to="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems_051d1186-55db-43d6-a0b8-f51d8319b7dc_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates changes in the year [Line Items]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems_label_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates changes in the year [Line Items]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems_documentation_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Joint ventures and associates changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:href="bbva-20221231.xsd#bbva_JointVenturesAndAssociatesChangesInTheYearLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:to="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill_7e0ecb11-677f-479d-b68b-b5663c849bf8_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through transfers and other changes, intangible assets and goodwill</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through transfers and other changes, intangible assets and goodwill</link:label>
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    <link:label id="lab_bbva_OfWhichHeldByBbvaSaMember_4cab7fb5-f039-4162-a572-494283536e6c_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHeldByBbvaSaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by bbva sa [Member]</link:label>
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    <link:label id="lab_bbva_OfWhichHeldByBbvaSaMember_documentation_en-US" xlink:label="lab_bbva_OfWhichHeldByBbvaSaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which held by bbva sa</link:label>
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    <link:label id="lab_bbva_BBVAAMinusRatingMember_001f8bd5-66e9-4d9e-8e67-eda1e6405f10_terseLabel_en-US" xlink:label="lab_bbva_BBVAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A Minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A Minus Rating [Member]</link:label>
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    <link:label id="lab_srt_SouthAmericaMember_c0f81b8b-461b-4c16-9e9c-f71cc0056ebb_terseLabel_en-US" xlink:label="lab_srt_SouthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">South America [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageImpactOnNetInterestIncome" xlink:href="bbva-20221231.xsd#bbva_PercentageImpactOnNetInterestIncome"/>
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    <link:label id="lab_bbva_EquityImpactDomain_36c48298-8bbe-44a9-85ef-6d2229252aea_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact [Domain]</link:label>
    <link:label id="lab_bbva_EquityImpactDomain_label_en-US" xlink:label="lab_bbva_EquityImpactDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact [Domain]</link:label>
    <link:label id="lab_bbva_EquityImpactDomain_documentation_en-US" xlink:label="lab_bbva_EquityImpactDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactDomain" xlink:href="bbva-20221231.xsd#bbva_EquityImpactDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityImpactDomain" xlink:to="lab_bbva_EquityImpactDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued_da49a1ba-9b79-41c6-9956-8d8730446391_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets under insurance contracts and reinsurance contracts issued</link:label>
    <link:label id="lab_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued_label_en-US" xlink:label="lab_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets under insurance contracts and reinsurance contracts issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" xlink:to="lab_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommodityAgreementsHedgeAccountingMember_a5adef30-8ff6-4c6d-b2d1-7a70398cfa79_terseLabel_en-US" xlink:label="lab_bbva_CommodityAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodity agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_CommodityAgreementsHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_CommodityAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodity agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_CommodityAgreementsHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_CommodityAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodity agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommodityAgreementsHedgeAccountingMember" xlink:href="bbva-20221231.xsd#bbva_CommodityAgreementsHedgeAccountingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommodityAgreementsHedgeAccountingMember" xlink:to="lab_bbva_CommodityAgreementsHedgeAccountingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition_ef6a6332-de6b-4d7b-b11a-2d65057f3254_terseLabel_en-US" xlink:label="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net cash inflows from discontinued operations USA financial position</link:label>
    <link:label id="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition_label_en-US" xlink:label="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net cash inflows from discontinued operations USA financial position</link:label>
    <link:label id="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition_documentation_en-US" xlink:label="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net cash inflows from discontinued operations USA financial position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" xlink:href="bbva-20221231.xsd#bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" xlink:to="lab_bbva_TotalNetCashInflowsFromDiscontinuedOperationsUSAFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherExpenseByNature_45b6003e-b0ea-494c-9a99-862879764672_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherExpenseByNature" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other expenses</link:label>
    <link:label id="lab_ifrs-full_OtherExpenseByNature_label_en-US" xlink:label="lab_ifrs-full_OtherExpenseByNature" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other expenses, by nature</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherExpenseByNature" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherExpenseByNature"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherExpenseByNature" xlink:to="lab_ifrs-full_OtherExpenseByNature" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear_1035115d-34b4-407a-9f54-6e0cb995aba6_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment of tangible assets changes in the year</link:label>
    <link:label id="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear_label_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment of tangible assets changes in the year</link:label>
    <link:label id="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear_documentation_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment of tangible assets changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOfTangibleAssetsChangesInTheYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:to="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossProfit_578716d9-6024-47c6-ac65-d437c3811a50_totalLabel_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross profit</link:label>
    <link:label id="lab_ifrs-full_GrossProfit_e7d1c1bf-103b-413d-8372-b79129a46b67_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross profit</link:label>
    <link:label id="lab_ifrs-full_GrossProfit_label_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossProfit" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GrossProfit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossProfit" xlink:to="lab_ifrs-full_GrossProfit" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorLocation_e354545b-8c41-49bf-8368-2c222333ef78_terseLabel_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Location</link:label>
    <link:label id="lab_dei_AuditorLocation_label_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Location</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AuditorLocation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorLocation" xlink:to="lab_dei_AuditorLocation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ResidentialPropertyMember_52147db2-5c16-42b8-a5e4-231fd994216f_terseLabel_en-US" xlink:label="lab_bbva_ResidentialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residential property [Member]</link:label>
    <link:label id="lab_bbva_ResidentialPropertyMember_label_en-US" xlink:label="lab_bbva_ResidentialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residential property [Member]</link:label>
    <link:label id="lab_bbva_ResidentialPropertyMember_documentation_en-US" xlink:label="lab_bbva_ResidentialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residential property</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidentialPropertyMember" xlink:href="bbva-20221231.xsd#bbva_ResidentialPropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ResidentialPropertyMember" xlink:to="lab_bbva_ResidentialPropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsLineItems_19adc8b3-508b-4cc8-b059-bfa1e826c6a4_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Line Items]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsLineItems_label_en-US" xlink:label="lab_bbva_ExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Line Items]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsLineItems_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsLineItems" xlink:href="bbva-20221231.xsd#bbva_ExecutiveDirectorsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveDirectorsLineItems" xlink:to="lab_bbva_ExecutiveDirectorsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditMember_2ff3b52d-a929-4e0c-94a6-6b97ee692af7_terseLabel_en-US" xlink:label="lab_bbva_CreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit [Member]</link:label>
    <link:label id="lab_bbva_CreditMember_label_en-US" xlink:label="lab_bbva_CreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit [Member]</link:label>
    <link:label id="lab_bbva_CreditMember_documentation_en-US" xlink:label="lab_bbva_CreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditMember" xlink:href="bbva-20221231.xsd#bbva_CreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditMember" xlink:to="lab_bbva_CreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear_c29a19ad-d3e3-4ce6-9d3e-f7b179792813_terseLabel_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and advances maturing in more than one year</link:label>
    <link:label id="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear_label_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and advances maturing in more than one year</link:label>
    <link:label id="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear_documentation_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and advances maturing in more than one year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:href="bbva-20221231.xsd#bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:to="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock_85db3949-bcda-4e39-958d-2ac931f6baeb_terseLabel_en-US" xlink:label="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balance of income statement arising from transactions with entities of the group [Table Text Block]</link:label>
    <link:label id="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock_label_en-US" xlink:label="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balance of income statement arising from transactions with entities of the group [Table Text Block]</link:label>
    <link:label id="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock_documentation_en-US" xlink:label="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balance of income statement arising from transactions with entities of the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:to="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TradingDerivativesHedgeAccountingMember_02bfcebf-a32a-409a-bb39-80c7551a9a34_terseLabel_en-US" xlink:label="lab_bbva_TradingDerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading derivatives hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_TradingDerivativesHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_TradingDerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading derivatives hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_TradingDerivativesHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_TradingDerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TradingDerivativesHedgeAccountingMember" xlink:href="bbva-20221231.xsd#bbva_TradingDerivativesHedgeAccountingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TradingDerivativesHedgeAccountingMember" xlink:to="lab_bbva_TradingDerivativesHedgeAccountingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_US_c9e9b14d-90ed-428d-b11f-e4be68d5384a_terseLabel_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">UNITED STATES</link:label>
    <link:label id="lab_country_US_label_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">UNITED STATES</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_US" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_US"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_US" xlink:to="lab_country_US" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsTable_555be7ef-aaa0-4f18-a162-e872d4b95c64_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments [Table]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsTable_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments [Table]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsTable_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsTable" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPaymentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPaymentsTable" xlink:to="lab_bbva_EstimatedBenefitPaymentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownByCounterpartyAndProductLineItems_37072de1-b7ae-4eee-9bf6-31f7e896d323_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by counterparty and product [Line Items]</link:label>
    <link:label id="lab_bbva_BreakdownByCounterpartyAndProductLineItems_label_en-US" xlink:label="lab_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by counterparty and product [Line Items]</link:label>
    <link:label id="lab_bbva_BreakdownByCounterpartyAndProductLineItems_documentation_en-US" xlink:label="lab_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by counterparty and product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:href="bbva-20221231.xsd#bbva_BreakdownByCounterpartyAndProductLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:to="lab_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember_574861ea-9e37-447f-bf79-02bca4775f1c_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through profit or loss, category [member]</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through profit or loss, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RepoFundingCurve_41035a4c-ecaf-4319-8157-6b4d6f657ce9_terseLabel_en-US" xlink:label="lab_bbva_RepoFundingCurve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repo funding curve</link:label>
    <link:label id="lab_bbva_RepoFundingCurve_label_en-US" xlink:label="lab_bbva_RepoFundingCurve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repo funding curve</link:label>
    <link:label id="lab_bbva_RepoFundingCurve_documentation_en-US" xlink:label="lab_bbva_RepoFundingCurve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repo funding curve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepoFundingCurve" xlink:href="bbva-20221231.xsd#bbva_RepoFundingCurve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RepoFundingCurve" xlink:to="lab_bbva_RepoFundingCurve" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RetirementsTangibleAssetsMember_8388aa28-378c-4402-b051-af269882ab31_terseLabel_en-US" xlink:label="lab_bbva_RetirementsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirements tangible assets [Member]</link:label>
    <link:label id="lab_bbva_RetirementsTangibleAssetsMember_label_en-US" xlink:label="lab_bbva_RetirementsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirements tangible assets [Member]</link:label>
    <link:label id="lab_bbva_RetirementsTangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_RetirementsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirements tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetirementsTangibleAssetsMember" xlink:href="bbva-20221231.xsd#bbva_RetirementsTangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetirementsTangibleAssetsMember" xlink:to="lab_bbva_RetirementsTangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain_e4991cde-cf5a-431e-b51c-a758368f4c47_terseLabel_en-US" xlink:label="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques used in fair value measurement [Domain]</link:label>
    <link:label id="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain_label_en-US" xlink:label="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques used in fair value measurement [Domain]</link:label>
    <link:label id="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain_documentation_en-US" xlink:label="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques used in fair value measurement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:href="bbva-20221231.xsd#bbva_ValuationTechniquesUsedInFairValueMeasurementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:to="lab_bbva_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalTransferredFinancialAssetsMember_bcb67b8e-f181-4a1a-930a-fdd0fd2b3335_terseLabel_en-US" xlink:label="lab_bbva_TotalTransferredFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total transferred financial assets [Member]</link:label>
    <link:label id="lab_bbva_TotalTransferredFinancialAssetsMember_label_en-US" xlink:label="lab_bbva_TotalTransferredFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total transferred financial assets [Member]</link:label>
    <link:label id="lab_bbva_TotalTransferredFinancialAssetsMember_documentation_en-US" xlink:label="lab_bbva_TotalTransferredFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total transferred financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalTransferredFinancialAssetsMember" xlink:href="bbva-20221231.xsd#bbva_TotalTransferredFinancialAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalTransferredFinancialAssetsMember" xlink:to="lab_bbva_TotalTransferredFinancialAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustodySecurities_b3a671a4-4c93-4a5c-9e12-2dc2f8fe1522_terseLabel_en-US" xlink:label="lab_bbva_CustodySecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Custody securities</link:label>
    <link:label id="lab_bbva_CustodySecurities_label_en-US" xlink:label="lab_bbva_CustodySecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Custody securities</link:label>
    <link:label id="lab_bbva_CustodySecurities_documentation_en-US" xlink:label="lab_bbva_CustodySecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Custody securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustodySecurities" xlink:href="bbva-20221231.xsd#bbva_CustodySecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustodySecurities" xlink:to="lab_bbva_CustodySecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAVRSeniorManagementDomain_33515d00-136b-4c49-826b-eaded9cb42e0_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR senior management [Domain]</link:label>
    <link:label id="lab_bbva_DeferredAVRSeniorManagementDomain_label_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR senior management [Domain]</link:label>
    <link:label id="lab_bbva_DeferredAVRSeniorManagementDomain_documentation_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRSeniorManagementDomain" xlink:href="bbva-20221231.xsd#bbva_DeferredAVRSeniorManagementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAVRSeniorManagementDomain" xlink:to="lab_bbva_DeferredAVRSeniorManagementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveTaxRateAxis_4b53b9d8-2077-42c7-a982-0a0f0e451aa2_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate [Axis]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateAxis_label_en-US" xlink:label="lab_bbva_EffectiveTaxRateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate [Axis]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateAxis_documentation_en-US" xlink:label="lab_bbva_EffectiveTaxRateAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxRateAxis" xlink:href="bbva-20221231.xsd#bbva_EffectiveTaxRateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveTaxRateAxis" xlink:to="lab_bbva_EffectiveTaxRateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified_e62b1c42-7657-4ddd-b8a4-0dc8f93c7422_terseLabel_en-US" xlink:label="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other recognised income and expense of investments in subsidaries joint ventures and associates (not reclassified)</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified_label_en-US" xlink:label="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other recognised income and expense of investments in subsidaries joint ventures and associates (not reclassified)</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified_documentation_en-US" xlink:label="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other recognised income and expense of investments in subsidaries joint ventures and associates (not reclassified)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" xlink:href="bbva-20221231.xsd#bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" xlink:to="lab_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2027Member_f66c8f94-235a-480f-b633-28d63d164b32_terseLabel_en-US" xlink:label="lab_bbva_A2027Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2027 [Member]</link:label>
    <link:label id="lab_bbva_A2027Member_label_en-US" xlink:label="lab_bbva_A2027Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2027 [Member]</link:label>
    <link:label id="lab_bbva_A2027Member_documentation_en-US" xlink:label="lab_bbva_A2027Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2027</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2027Member" xlink:href="bbva-20221231.xsd#bbva_A2027Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2027Member" xlink:to="lab_bbva_A2027Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonFinancialEntities_d5e60da7-ecaa-4ca9-82c5-38d7f289590b_terseLabel_en-US" xlink:label="lab_bbva_NonFinancialEntities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial entities</link:label>
    <link:label id="lab_bbva_NonFinancialEntities_label_en-US" xlink:label="lab_bbva_NonFinancialEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial entities</link:label>
    <link:label id="lab_bbva_NonFinancialEntities_documentation_en-US" xlink:label="lab_bbva_NonFinancialEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonFinancialEntities" xlink:href="bbva-20221231.xsd#bbva_NonFinancialEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonFinancialEntities" xlink:to="lab_bbva_NonFinancialEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Domain_ef0c00c7-292c-4fd9-8ff2-c6abfffd3d2b_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Domain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Domain_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Domain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Domain_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Domain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3Domain" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsLevel3Domain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3Domain" xlink:to="lab_bbva_FinancialInstrumentsLevel3Domain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersMember_31cadbb9-f052-4e04-9396-bcb9a6ac3f16_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersMember_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersMember_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCustomersMember" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesToCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToCustomersMember" xlink:to="lab_bbva_LoansAndAdvancesToCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FurnitureFixturesAndVehiclesMember_897e1b5a-a5cd-41ca-890a-ad190cf94362_terseLabel_en-US" xlink:label="lab_bbva_FurnitureFixturesAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Furniture, fixtures and vehicles [Member]</link:label>
    <link:label id="lab_bbva_FurnitureFixturesAndVehiclesMember_label_en-US" xlink:label="lab_bbva_FurnitureFixturesAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Furniture, fixtures and vehicles [Member]</link:label>
    <link:label id="lab_bbva_FurnitureFixturesAndVehiclesMember_documentation_en-US" xlink:label="lab_bbva_FurnitureFixturesAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Furniture, fixtures and vehicles</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FurnitureFixturesAndVehiclesMember" xlink:href="bbva-20221231.xsd#bbva_FurnitureFixturesAndVehiclesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FurnitureFixturesAndVehiclesMember" xlink:to="lab_bbva_FurnitureFixturesAndVehiclesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_TR_746a65f5-738b-4ed6-be00-ace536fe3674_terseLabel_en-US" xlink:label="lab_country_TR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">TURKEY</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_country_TR" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_TR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_TR" xlink:to="lab_country_TR" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityVoluntaryFilers_816c1d6c-8c09-4f4a-9c10-77195e3ee531_terseLabel_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Voluntary Filers</link:label>
    <link:label id="lab_dei_EntityVoluntaryFilers_label_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Voluntary Filers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityVoluntaryFilers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityVoluntaryFilers" xlink:to="lab_dei_EntityVoluntaryFilers" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRMinInTheYearMember_3d53b681-8b35-4908-9694-662daa515d06_terseLabel_en-US" xlink:label="lab_bbva_VaRMinInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR min in the year [Member]</link:label>
    <link:label id="lab_bbva_VaRMinInTheYearMember_label_en-US" xlink:label="lab_bbva_VaRMinInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR min in the year [Member]</link:label>
    <link:label id="lab_bbva_VaRMinInTheYearMember_documentation_en-US" xlink:label="lab_bbva_VaRMinInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR min in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRMinInTheYearMember" xlink:href="bbva-20221231.xsd#bbva_VaRMinInTheYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRMinInTheYearMember" xlink:to="lab_bbva_VaRMinInTheYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_4c0bf46a-aad3-4a7d-9700-78c711b39006_totalLabel_en-US" xlink:label="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current financial liabilities at fair value through profit or loss, classified as held for trading</link:label>
    <link:label id="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_57dd4058-eaf4-4b85-bd3f-15b560163262_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current financial liabilities at fair value through profit or loss, classified as held for trading</link:label>
    <link:label id="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current financial liabilities at fair value through profit or loss, classified as held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdministrativeAndSupportServiceActivitiesMember_1cc67a1e-86d9-4ab7-b2d2-21000c202e44_terseLabel_en-US" xlink:label="lab_bbva_AdministrativeAndSupportServiceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administrative and support service activities [Member]</link:label>
    <link:label id="lab_bbva_AdministrativeAndSupportServiceActivitiesMember_label_en-US" xlink:label="lab_bbva_AdministrativeAndSupportServiceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administrative and support service activities [Member]</link:label>
    <link:label id="lab_bbva_AdministrativeAndSupportServiceActivitiesMember_documentation_en-US" xlink:label="lab_bbva_AdministrativeAndSupportServiceActivitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administrative and support service activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdministrativeAndSupportServiceActivitiesMember" xlink:href="bbva-20221231.xsd#bbva_AdministrativeAndSupportServiceActivitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdministrativeAndSupportServiceActivitiesMember" xlink:to="lab_bbva_AdministrativeAndSupportServiceActivitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesByRatingTableTextBlock_b03e4e0b-c174-4c79-b129-8375c2771625_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities by rating [Table Text Block]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesByRatingTableTextBlock_label_en-US" xlink:label="lab_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities by rating [Table Text Block]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesByRatingTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesByRatingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:to="lab_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock_b6542788-f5db-4e69-8580-a20d58449395_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Table Text Block]</link:label>
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    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:to="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue_ce7464b9-8cb7-47f6-8feb-01eedd4a7c09_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange rate and gold measure at fair value</link:label>
    <link:label id="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue_label_en-US" xlink:label="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange rate and gold measure at fair value</link:label>
    <link:label id="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange rate and gold measure at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" xlink:href="bbva-20221231.xsd#bbva_ForeignExchangeRateAndGoldMeasureAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" xlink:to="lab_bbva_ForeignExchangeRateAndGoldMeasureAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember_d1e1331e-33a2-4c03-9771-f0fc7ec212c5_terseLabel_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which vested benefit obligation relating to retired employees [Member]</link:label>
    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember_label_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which vested benefit obligation relating to retired employees [Member]</link:label>
    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which vested benefit obligation relating to retired employees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:to="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PeriodTimeAxis_7c950d98-2ba2-4337-b1fc-50658d6a9115_terseLabel_en-US" xlink:label="lab_bbva_PeriodTimeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period time [Axis]</link:label>
    <link:label id="lab_bbva_PeriodTimeAxis_label_en-US" xlink:label="lab_bbva_PeriodTimeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period time [Axis]</link:label>
    <link:label id="lab_bbva_PeriodTimeAxis_documentation_en-US" xlink:label="lab_bbva_PeriodTimeAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period time</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PeriodTimeAxis" xlink:href="bbva-20221231.xsd#bbva_PeriodTimeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PeriodTimeAxis" xlink:to="lab_bbva_PeriodTimeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember_59dfe287-7c4d-4111-86bb-eb240848a2a9_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one month and not later than three months [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one month and not later than three months [member]</link:label>
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    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment of investments in joint ventures and associates [Abstract]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets_e9c6822c-efd9-45a9-92e0-bcb1664d6e39_terseLabel_en-US" xlink:label="lab_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non tradign financial assets mandatorily at fair value through profit or loss operating assets</link:label>
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    <link:label id="lab_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets_documentation_en-US" xlink:label="lab_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non tradign financial assets mandatorily at fair value through profit or loss operating assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" xlink:href="bbva-20221231.xsd#bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" xlink:to="lab_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestrictedReserveForRetiredCapital_78db4748-9fed-4c70-8123-85ef7dcdc0c9_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserveForRetiredCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for retired capital</link:label>
    <link:label id="lab_bbva_RestrictedReserveForRetiredCapital_label_en-US" xlink:label="lab_bbva_RestrictedReserveForRetiredCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for retired capital</link:label>
    <link:label id="lab_bbva_RestrictedReserveForRetiredCapital_documentation_en-US" xlink:label="lab_bbva_RestrictedReserveForRetiredCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for retired capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserveForRetiredCapital" xlink:href="bbva-20221231.xsd#bbva_RestrictedReserveForRetiredCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestrictedReserveForRetiredCapital" xlink:to="lab_bbva_RestrictedReserveForRetiredCapital" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain_4d52a10f-7b90-4e13-bf78-e14fa22aed7c_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading debt securities [Domain]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:to="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_InterestRateMember_documentation_en-US" xlink:label="lab_bbva_InterestRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRateMember" xlink:href="bbva-20221231.xsd#bbva_InterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestRateMember" xlink:to="lab_bbva_InterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuanceOfOtherEquityInstruments_283162fa-75b1-439f-adb9-96ec9cb9f5f6_terseLabel_en-US" xlink:label="lab_bbva_IssuanceOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance of other equity instruments</link:label>
    <link:label id="lab_bbva_IssuanceOfOtherEquityInstruments_label_en-US" xlink:label="lab_bbva_IssuanceOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance of other equity instruments</link:label>
    <link:label id="lab_bbva_IssuanceOfOtherEquityInstruments_documentation_en-US" xlink:label="lab_bbva_IssuanceOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance of other equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuanceOfOtherEquityInstruments" xlink:href="bbva-20221231.xsd#bbva_IssuanceOfOtherEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuanceOfOtherEquityInstruments" xlink:to="lab_bbva_IssuanceOfOtherEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_06ff7cd3-eff8-49fe-a40e-bd8afc4108cd_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances of loans and advances at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_label_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances of loans and advances at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances of loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:to="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConceptAxis_3cbcafab-3e04-4207-9e74-a4cd0e34a321_terseLabel_en-US" xlink:label="lab_bbva_ConceptAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Concept [Axis]</link:label>
    <link:label id="lab_bbva_ConceptAxis_label_en-US" xlink:label="lab_bbva_ConceptAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Concept [Axis]</link:label>
    <link:label id="lab_bbva_ConceptAxis_documentation_en-US" xlink:label="lab_bbva_ConceptAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Concept</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConceptAxis" xlink:href="bbva-20221231.xsd#bbva_ConceptAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConceptAxis" xlink:to="lab_bbva_ConceptAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemTable_0351adb2-0e6e-497f-ae48-896d3f55f9da_terseLabel_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share remuneration system [Table]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemTable_label_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share remuneration system [Table]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemTable_documentation_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred share remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationSystemTable" xlink:href="bbva-20221231.xsd#bbva_DeferredShareRemunerationSystemTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredShareRemunerationSystemTable" xlink:to="lab_bbva_DeferredShareRemunerationSystemTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable_27b481a4-73dd-4c51-a6bf-d92b4f285655_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments by levels active market [Table]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments by levels active market [Table]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable_documentation_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments by levels active market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:href="bbva-20221231.xsd#bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:to="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems_147f4b04-2fad-4433-b771-fad427d15050_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_ARS_851d2dba-5c7f-4646-86f4-9890733cf320_terseLabel_en-US" xlink:label="lab_currency_ARS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Argentina, Pesos</link:label>
    <link:label id="lab_currency_ARS_label_en-US" xlink:label="lab_currency_ARS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Argentina, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_ARS" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_ARS"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_ARS" xlink:to="lab_currency_ARS" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityTable_2c88b9a4-dec7-4797-bcbf-b044fe261943_terseLabel_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Table]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityTable_label_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Table]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityTable_documentation_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxRecognizedInTotalEquityTable" xlink:href="bbva-20221231.xsd#bbva_TaxRecognizedInTotalEquityTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxRecognizedInTotalEquityTable" xlink:to="lab_bbva_TaxRecognizedInTotalEquityTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LifeInsuranceContractsMember_53976b17-d7bd-4ee1-a731-6f7ea56ca30e_terseLabel_en-US" xlink:label="lab_ifrs-full_LifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Life insurance contracts [member]</link:label>
    <link:label id="lab_ifrs-full_LifeInsuranceContractsMember_label_en-US" xlink:label="lab_ifrs-full_LifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Life insurance contracts [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LifeInsuranceContractsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LifeInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LifeInsuranceContractsMember" xlink:to="lab_ifrs-full_LifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalNetAssetsLiabilities_94f3f097-255e-445a-95c0-2e23b1df51c8_terseLabel_en-US" xlink:label="lab_bbva_TotalNetAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net assets liabilities</link:label>
    <link:label id="lab_bbva_TotalNetAssetsLiabilities_label_en-US" xlink:label="lab_bbva_TotalNetAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net assets liabilities</link:label>
    <link:label id="lab_bbva_TotalNetAssetsLiabilities_documentation_en-US" xlink:label="lab_bbva_TotalNetAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net assets liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalNetAssetsLiabilities" xlink:href="bbva-20221231.xsd#bbva_TotalNetAssetsLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalNetAssetsLiabilities" xlink:to="lab_bbva_TotalNetAssetsLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BottomOfRangeMember_961904c0-2f0b-4b32-b1a5-bea71ee4d3fa_terseLabel_en-US" xlink:label="lab_ifrs-full_BottomOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bottom of range [member]</link:label>
    <link:label id="lab_ifrs-full_BottomOfRangeMember_label_en-US" xlink:label="lab_ifrs-full_BottomOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bottom of range [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BottomOfRangeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_BottomOfRangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BottomOfRangeMember" xlink:to="lab_ifrs-full_BottomOfRangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member_00d8d919-6e01-4a60-8dd2-b65d4c0318e4_terseLabel_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total regulatory adjustments to additional tier 1 [Member]</link:label>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member_label_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total regulatory adjustments to additional tier 1 [Member]</link:label>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member_documentation_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total regulatory adjustments to additional tier 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:href="bbva-20221231.xsd#bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:to="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitPlansEquityImpactMember_253251cf-d5b0-472b-9245-c0b5f16943a8_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitPlansEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit plans equity impact [Member]</link:label>
    <link:label id="lab_bbva_DefinedBenefitPlansEquityImpactMember_label_en-US" xlink:label="lab_bbva_DefinedBenefitPlansEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit plans equity impact [Member]</link:label>
    <link:label id="lab_bbva_DefinedBenefitPlansEquityImpactMember_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitPlansEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit plans equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitPlansEquityImpactMember" xlink:href="bbva-20221231.xsd#bbva_DefinedBenefitPlansEquityImpactMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitPlansEquityImpactMember" xlink:to="lab_bbva_DefinedBenefitPlansEquityImpactMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember_0431d242-2d2d-43aa-9fe3-c2fb4d5e0c38_terseLabel_en-US" xlink:label="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 (CET 1) before regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember_label_en-US" xlink:label="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 (CET 1) before regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 (CET 1) before regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:href="bbva-20221231.xsd#bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:to="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_90b6edc0-d394-4858-9095-2556e45f2e32_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1"/>
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    <link:label id="lab_bbva_A1125FixedRateSeniorNotesDue2023Member_34cdfe91-8eb3-4f20-bc10-24e576f0fa0f_terseLabel_en-US" xlink:label="lab_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">A1125 Fixed Rate Senior Notes Due2023 [Member]</link:label>
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    <link:label id="lab_bbva_OtherOperatingIncome_documentation_en-US" xlink:label="lab_bbva_OtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other operating income</link:label>
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    <link:label id="lab_bbva_OtherFinancialInstitutionsMember_0339f4a1-49c5-4892-a96d-0bbc1b888e43_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial institutions [Member]</link:label>
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    <link:label id="lab_bbva_OtherFinancialInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial institutions</link:label>
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    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable_41241453-7704-494f-9e83-15ab077769d9_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of loans and advances to customers [Table]</link:label>
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    <link:label id="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions_63166f83-aad8-41b8-8d7b-e04a3eb27746_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income And Other Similar Interests Related Party Transactions</link:label>
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    <link:label id="lab_bbva_GroupInsuranceMember_53bd5e88-05dc-4f60-b353-e5d8bd76e8bd_terseLabel_en-US" xlink:label="lab_bbva_GroupInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Group insurance [Member]</link:label>
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    <link:label id="lab_bbva_GroupInsuranceMember_documentation_en-US" xlink:label="lab_bbva_GroupInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Group insurance</link:label>
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    <link:label id="lab_bbva_OtherLongTermEmployeesBenefits_ec7670bd-2695-4a5e-9a1e-267d00868342_terseLabel_en-US" xlink:label="lab_bbva_OtherLongTermEmployeesBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other long term employees benefits</link:label>
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    <link:label id="lab_bbva_OtherLongTermEmployeesBenefits_documentation_en-US" xlink:label="lab_bbva_OtherLongTermEmployeesBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other long term employees benefits</link:label>
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    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock_16e6fd2a-e225-4044-94e4-cdb4f6e41165_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance product [Table Text Block]</link:label>
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    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestOfBusinessMember_ec80f74c-65bf-4d47-a6ae-0865a7e73511_terseLabel_en-US" xlink:label="lab_bbva_RestOfBusinessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of business [Member]</link:label>
    <link:label id="lab_bbva_RestOfBusinessMember_label_en-US" xlink:label="lab_bbva_RestOfBusinessMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of business [Member]</link:label>
    <link:label id="lab_bbva_RestOfBusinessMember_documentation_en-US" xlink:label="lab_bbva_RestOfBusinessMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of business</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestOfBusinessMember" xlink:href="bbva-20221231.xsd#bbva_RestOfBusinessMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestOfBusinessMember" xlink:to="lab_bbva_RestOfBusinessMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale_056d3930-09ec-490a-a513-483bcbcc86da_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Reclassifications Comprehensive Income Before Tax Non Current Assets Held For Sale</link:label>
    <link:label id="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Reclassifications Comprehensive Income Before Tax Non Current Assets Held For Sale</link:label>
    <link:label id="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Reclassifications Comprehensive Income Before Tax Non Current Assets Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:href="bbva-20221231.xsd#bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PeruBBVAMember_06d42fa0-e7e2-48de-a36b-22760a873629_terseLabel_en-US" xlink:label="lab_bbva_PeruBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Peru BBVA [Member]</link:label>
    <link:label id="lab_bbva_PeruBBVAMember_label_en-US" xlink:label="lab_bbva_PeruBBVAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Peru BBVA [Member]</link:label>
    <link:label id="lab_bbva_PeruBBVAMember_documentation_en-US" xlink:label="lab_bbva_PeruBBVAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Peru BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PeruBBVAMember" xlink:href="bbva-20221231.xsd#bbva_PeruBBVAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PeruBBVAMember" xlink:to="lab_bbva_PeruBBVAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalMember_c69f8d40-4a1e-4b12-ad13-74ba386765c0_terseLabel_en-US" xlink:label="lab_bbva_TotalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total [Member]</link:label>
    <link:label id="lab_bbva_TotalMember_label_en-US" xlink:label="lab_bbva_TotalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total [Member]</link:label>
    <link:label id="lab_bbva_TotalMember_documentation_en-US" xlink:label="lab_bbva_TotalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalMember" xlink:href="bbva-20221231.xsd#bbva_TotalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalMember" xlink:to="lab_bbva_TotalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterimDividendsApplicationOfResults_367af123-36d6-4c22-bb05-5252dbbd8c0a_terseLabel_en-US" xlink:label="lab_bbva_InterimDividendsApplicationOfResults" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends application of results</link:label>
    <link:label id="lab_bbva_InterimDividendsApplicationOfResults_label_en-US" xlink:label="lab_bbva_InterimDividendsApplicationOfResults" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends application of results</link:label>
    <link:label id="lab_bbva_InterimDividendsApplicationOfResults_documentation_en-US" xlink:label="lab_bbva_InterimDividendsApplicationOfResults" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends application of results</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterimDividendsApplicationOfResults" xlink:href="bbva-20221231.xsd#bbva_InterimDividendsApplicationOfResults"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterimDividendsApplicationOfResults" xlink:to="lab_bbva_InterimDividendsApplicationOfResults" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_0206d418-ec8a-4faa-ae4f-73e28824d8e7_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of share capital of shares of BBVA owned by third parties but managed by the group</link:label>
    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_label_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of share capital of shares of BBVA owned by third parties but managed by the group</link:label>
    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_documentation_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of share capital of shares of BBVA owned by third parties but managed by the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:href="bbva-20221231.xsd#bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:to="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome_32f4f82f-aa89-45c5-9f3f-9a9b4f922dfe_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in equity instruments designated at fair value through other comprehensive income</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain_46485d2c-2958-4736-b7fc-f693709ae78c_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_PostEmploymentCommitmentsBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:to="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalMember_b270ff98-bae2-4d3b-92be-45692d8884d6_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share capital [member]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalMember_label_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share capital [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfShareCapitalMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ClassesOfShareCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfShareCapitalMember" xlink:to="lab_ifrs-full_ClassesOfShareCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownByUGEsDomain_be888158-b80c-4965-b3ec-bfff9197763e_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByUGEsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by UGEs [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownByUGEsDomain_label_en-US" xlink:label="lab_bbva_BreakdownByUGEsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by UGEs [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownByUGEsDomain_documentation_en-US" xlink:label="lab_bbva_BreakdownByUGEsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown by UGEs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByUGEsDomain" xlink:href="bbva-20221231.xsd#bbva_BreakdownByUGEsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownByUGEsDomain" xlink:to="lab_bbva_BreakdownByUGEsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock_2f4dcb4e-82ad-4f76-855b-bd243af275ac_terseLabel_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non trading financial assets at fair value through profit or loss mandatorily measured at fair value [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock"/>
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    <link:label id="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven_fe267a89-f5b1-4243-aa18-a7f3e6946dad_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions commitments and guarantees given</link:label>
    <link:label id="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven_label_en-US" xlink:label="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions commitments and guarantees given</link:label>
    <link:label id="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions commitments and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:href="bbva-20221231.xsd#bbva_ProvisionsCommitmentsAndGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:to="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonFinancialEntitiesMember_9bcbb967-5f88-4dd8-92a4-9a8458aa55b5_terseLabel_en-US" xlink:label="lab_bbva_NonFinancialEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial entities [Member]</link:label>
    <link:label id="lab_bbva_NonFinancialEntitiesMember_label_en-US" xlink:label="lab_bbva_NonFinancialEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial entities [Member]</link:label>
    <link:label id="lab_bbva_NonFinancialEntitiesMember_documentation_en-US" xlink:label="lab_bbva_NonFinancialEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non financial entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonFinancialEntitiesMember" xlink:href="bbva-20221231.xsd#bbva_NonFinancialEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonFinancialEntitiesMember" xlink:to="lab_bbva_NonFinancialEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis_3b5cd555-5aff-4f62-85be-88b0ec0d961c_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments sources of encumbrance [Axis]</link:label>
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    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis_documentation_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:href="bbva-20221231.xsd#bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:to="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_a8c8c7d5-a156-4332-aa7e-95243b503a57_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Financial assets at fair value through other comprehensive income [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Financial assets at fair value through other comprehensive income [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Financial assets at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:to="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OrdinarySharesMember_70b5789a-3e18-4831-84f4-afba04df343e_terseLabel_en-US" xlink:label="lab_ifrs-full_OrdinarySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ordinary shares [member]</link:label>
    <link:label id="lab_ifrs-full_OrdinarySharesMember_label_en-US" xlink:label="lab_ifrs-full_OrdinarySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ordinary shares [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OrdinarySharesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OrdinarySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OrdinarySharesMember" xlink:to="lab_ifrs-full_OrdinarySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BookValueOfFinancialLiabilitiesMember_4682f93b-11fa-4c8a-aabb-cd4f79f50e7f_terseLabel_en-US" xlink:label="lab_bbva_BookValueOfFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Book value of financial liabilities [Member]</link:label>
    <link:label id="lab_bbva_BookValueOfFinancialLiabilitiesMember_label_en-US" xlink:label="lab_bbva_BookValueOfFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Book value of financial liabilities [Member]</link:label>
    <link:label id="lab_bbva_BookValueOfFinancialLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_BookValueOfFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Book value of financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BookValueOfFinancialLiabilitiesMember" xlink:href="bbva-20221231.xsd#bbva_BookValueOfFinancialLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BookValueOfFinancialLiabilitiesMember" xlink:to="lab_bbva_BookValueOfFinancialLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherReservesMember_a7cb503f-1c46-4b9b-9889-eb26d91e2080_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves [member]</link:label>
    <link:label id="lab_ifrs-full_OtherReservesMember_label_en-US" xlink:label="lab_ifrs-full_OtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other reserves [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherReservesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherReservesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherReservesMember" xlink:to="lab_ifrs-full_OtherReservesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration_675f4673-00ba-4d76-93dd-3cda662d9ed8_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management total annual fixed remuneration</link:label>
    <link:label id="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration_label_en-US" xlink:label="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management total annual fixed remuneration</link:label>
    <link:label id="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration_documentation_en-US" xlink:label="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management total annual fixed remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:href="bbva-20221231.xsd#bbva_SeniorManagementTotalAnnualFixedRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:to="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemunerationCommitteeMember_72ec9b20-9112-41b1-b712-ce299879339f_terseLabel_en-US" xlink:label="lab_bbva_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration Committee [Member]</link:label>
    <link:label id="lab_bbva_RemunerationCommitteeMember_label_en-US" xlink:label="lab_bbva_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration Committee [Member]</link:label>
    <link:label id="lab_bbva_RemunerationCommitteeMember_documentation_en-US" xlink:label="lab_bbva_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationCommitteeMember" xlink:href="bbva-20221231.xsd#bbva_RemunerationCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemunerationCommitteeMember" xlink:to="lab_bbva_RemunerationCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExpectedShortfall_7df861d5-7948-468c-b834-155cf45e070e_terseLabel_en-US" xlink:label="lab_bbva_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expected shortfall</link:label>
    <link:label id="lab_bbva_ExpectedShortfall_label_en-US" xlink:label="lab_bbva_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expected shortfall</link:label>
    <link:label id="lab_bbva_ExpectedShortfall_documentation_en-US" xlink:label="lab_bbva_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expected shortfall</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExpectedShortfall" xlink:href="bbva-20221231.xsd#bbva_ExpectedShortfall"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExpectedShortfall" xlink:to="lab_bbva_ExpectedShortfall" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustomerDepositsByCountryDomain_ede98494-c5f5-4269-bdf1-f61718faf7f0_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits by country [Domain]</link:label>
    <link:label id="lab_bbva_CustomerDepositsByCountryDomain_label_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits by country [Domain]</link:label>
    <link:label id="lab_bbva_CustomerDepositsByCountryDomain_documentation_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_CustomerDepositsByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustomerDepositsByCountryDomain" xlink:to="lab_bbva_CustomerDepositsByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherOperatingIncomeExpenseAbstract_37e69a2d-f727-413f-815e-60b7561f7e65_terseLabel_en-US" xlink:label="lab_bbva_OtherOperatingIncomeExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Operating Income Expense [Abstract]</link:label>
    <link:label id="lab_bbva_OtherOperatingIncomeExpenseAbstract_label_en-US" xlink:label="lab_bbva_OtherOperatingIncomeExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Operating Income Expense [Abstract]</link:label>
    <link:label id="lab_bbva_OtherOperatingIncomeExpenseAbstract_documentation_en-US" xlink:label="lab_bbva_OtherOperatingIncomeExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Operating Income Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOperatingIncomeExpenseAbstract" xlink:href="bbva-20221231.xsd#bbva_OtherOperatingIncomeExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherOperatingIncomeExpenseAbstract" xlink:to="lab_bbva_OtherOperatingIncomeExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NegativeScenarioTable_bf27aa48-801c-4e74-a480-26901048848f_terseLabel_en-US" xlink:label="lab_bbva_NegativeScenarioTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative scenario [Table]</link:label>
    <link:label id="lab_bbva_NegativeScenarioTable_label_en-US" xlink:label="lab_bbva_NegativeScenarioTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative scenario [Table]</link:label>
    <link:label id="lab_bbva_NegativeScenarioTable_documentation_en-US" xlink:label="lab_bbva_NegativeScenarioTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NegativeScenarioTable" xlink:href="bbva-20221231.xsd#bbva_NegativeScenarioTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NegativeScenarioTable" xlink:to="lab_bbva_NegativeScenarioTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredTaxAssetsMember_7133b433-6892-4a06-9cf8-7fcd65c69c20_terseLabel_en-US" xlink:label="lab_bbva_SecuredTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets [Member]</link:label>
    <link:label id="lab_bbva_SecuredTaxAssetsMember_label_en-US" xlink:label="lab_bbva_SecuredTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets [Member]</link:label>
    <link:label id="lab_bbva_SecuredTaxAssetsMember_documentation_en-US" xlink:label="lab_bbva_SecuredTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredTaxAssetsMember" xlink:href="bbva-20221231.xsd#bbva_SecuredTaxAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredTaxAssetsMember" xlink:to="lab_bbva_SecuredTaxAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaturityAxis_d5715022-7b4d-4fb1-a873-be8c131217a0_terseLabel_en-US" xlink:label="lab_ifrs-full_MaturityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity [axis]</link:label>
    <link:label id="lab_ifrs-full_MaturityAxis_label_en-US" xlink:label="lab_ifrs-full_MaturityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaturityAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_MaturityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaturityAxis" xlink:to="lab_ifrs-full_MaturityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueRiskMember_ecfab5e0-6975-43f2-a789-91bb84fccaec_terseLabel_en-US" xlink:label="lab_bbva_FairValueRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value risk [Member]</link:label>
    <link:label id="lab_bbva_FairValueRiskMember_label_en-US" xlink:label="lab_bbva_FairValueRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value risk [Member]</link:label>
    <link:label id="lab_bbva_FairValueRiskMember_documentation_en-US" xlink:label="lab_bbva_FairValueRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueRiskMember" xlink:href="bbva-20221231.xsd#bbva_FairValueRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueRiskMember" xlink:to="lab_bbva_FairValueRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember_a6bb48fa-3b9c-41fd-aa78-2708e4a0bda3_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets designated at fair value through profit or loss [Member]</link:label>
    <link:label id="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember_label_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets designated at fair value through profit or loss [Member]</link:label>
    <link:label id="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets designated at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:to="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsOtherItems_54dd8c83-a350-4ad5-bae8-f76dc1d76a5a_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsOtherItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets other items</link:label>
    <link:label id="lab_bbva_OtherAssetsOtherItems_label_en-US" xlink:label="lab_bbva_OtherAssetsOtherItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets other items</link:label>
    <link:label id="lab_bbva_OtherAssetsOtherItems_documentation_en-US" xlink:label="lab_bbva_OtherAssetsOtherItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets other items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsOtherItems" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsOtherItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsOtherItems" xlink:to="lab_bbva_OtherAssetsOtherItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TechnologyAndSystems_8ddd64c3-338d-4c45-99d1-e6acba89f232_terseLabel_en-US" xlink:label="lab_bbva_TechnologyAndSystems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Technology and systems</link:label>
    <link:label id="lab_bbva_TechnologyAndSystems_label_en-US" xlink:label="lab_bbva_TechnologyAndSystems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Technology and systems</link:label>
    <link:label id="lab_bbva_TechnologyAndSystems_documentation_en-US" xlink:label="lab_bbva_TechnologyAndSystems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Technology and systems</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TechnologyAndSystems" xlink:href="bbva-20221231.xsd#bbva_TechnologyAndSystems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TechnologyAndSystems" xlink:to="lab_bbva_TechnologyAndSystems" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_EUR_2ca29ea8-ef75-4f87-bcc2-e1f4a0d268d0_terseLabel_en-US" xlink:label="lab_currency_EUR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Euro Member Countries, Euro</link:label>
    <link:label id="lab_currency_EUR_label_en-US" xlink:label="lab_currency_EUR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Euro Member Countries, Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_EUR" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_EUR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_EUR" xlink:to="lab_currency_EUR" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageOfDebtSecuritiesByRating_5bd6c3da-29b9-42a5-9853-8f1e69622dd8_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of debt securities by rating</link:label>
    <link:label id="lab_bbva_PercentageOfDebtSecuritiesByRating_label_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of debt securities by rating</link:label>
    <link:label id="lab_bbva_PercentageOfDebtSecuritiesByRating_documentation_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of debt securities by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageOfDebtSecuritiesByRating" xlink:href="bbva-20221231.xsd#bbva_PercentageOfDebtSecuritiesByRating"/>
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    <link:label id="lab_bbva_SecuredTaxAssetsTableTextBlock_0d42022f-5593-44a6-bcfb-98fb3441dacc_terseLabel_en-US" xlink:label="lab_bbva_SecuredTaxAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_SecuredTaxAssetsTableTextBlock_label_en-US" xlink:label="lab_bbva_SecuredTaxAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_SecuredTaxAssetsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SecuredTaxAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredTaxAssetsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SecuredTaxAssetsTableTextBlock"/>
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    <link:label id="lab_ifrs-full_Assets_dda249bf-b024-4275-aa95-17b49c4b069c_totalLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_ifrs-full_Assets_dc3081fc-bfd3-4e60-8367-1914a5ef9d95_terseLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_ifrs-full_Assets_1a6fc033-cb6e-4a1e-ba1a-49eab3f50ded_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_ifrs-full_Assets_label_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Assets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Assets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Assets" xlink:to="lab_ifrs-full_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_country_VE_40535e47-5b46-48f5-9e88-ae3548435d30_terseLabel_en-US" xlink:label="lab_country_VE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VENEZUELA</link:label>
    <link:label id="lab_country_VE_label_en-US" xlink:label="lab_country_VE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VENEZUELA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_VE" xlink:href="https://xbrl.sec.gov/country/2022/country-2022.xsd#country_VE"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_VE" xlink:to="lab_country_VE" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseForeclosedAssets_12b8aad4-c8d0-475d-b7a6-668002843655_terseLabel_en-US" xlink:label="lab_bbva_DecreaseForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease foreclosed assets</link:label>
    <link:label id="lab_bbva_DecreaseForeclosedAssets_label_en-US" xlink:label="lab_bbva_DecreaseForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease foreclosed assets</link:label>
    <link:label id="lab_bbva_DecreaseForeclosedAssets_documentation_en-US" xlink:label="lab_bbva_DecreaseForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease foreclosed assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseForeclosedAssets" xlink:href="bbva-20221231.xsd#bbva_DecreaseForeclosedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseForeclosedAssets" xlink:to="lab_bbva_DecreaseForeclosedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NationalSecurity_3fb9e943-95cc-4dbd-bbda-28433adbe205_terseLabel_en-US" xlink:label="lab_bbva_NationalSecurity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">National security</link:label>
    <link:label id="lab_bbva_NationalSecurity_label_en-US" xlink:label="lab_bbva_NationalSecurity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">National security</link:label>
    <link:label id="lab_bbva_NationalSecurity_documentation_en-US" xlink:label="lab_bbva_NationalSecurity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">National security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NationalSecurity" xlink:href="bbva-20221231.xsd#bbva_NationalSecurity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NationalSecurity" xlink:to="lab_bbva_NationalSecurity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ComparablePricingMember_c452c026-db91-4902-89a2-b3da7900443e_terseLabel_en-US" xlink:label="lab_bbva_ComparablePricingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comparable pricing [Member]</link:label>
    <link:label id="lab_bbva_ComparablePricingMember_label_en-US" xlink:label="lab_bbva_ComparablePricingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comparable pricing [Member]</link:label>
    <link:label id="lab_bbva_ComparablePricingMember_documentation_en-US" xlink:label="lab_bbva_ComparablePricingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comparable pricing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComparablePricingMember" xlink:href="bbva-20221231.xsd#bbva_ComparablePricingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ComparablePricingMember" xlink:to="lab_bbva_ComparablePricingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAARatingMember_c0b617fe-4ddd-4191-8f0a-9b27db4b59d7_terseLabel_en-US" xlink:label="lab_bbva_BBVAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAARatingMember_label_en-US" xlink:label="lab_bbva_BBVAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAARatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAARatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA A Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAARatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVAARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAARatingMember" xlink:to="lab_bbva_BBVAARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock_8315b653-52fe-4586-b59f-ba9b4ef832d2_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of tax assets and liabilities [Text Block]</link:label>
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    <link:label id="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:to="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion_a57232dd-6c7a-467b-a7fc-dfa5dc2d2bf1_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives. Cash flow hedges effective portion</link:label>
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    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives. Cash flow hedges effective portion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesCashFlowHedgesEffectivePortion"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:to="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetInterimAttributableProfitMember_e663e0f3-f6f9-499c-89f6-dd64e351b6f6_terseLabel_en-US" xlink:label="lab_bbva_NetInterimAttributableProfitMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net interim attributable profit [Member]</link:label>
    <link:label id="lab_bbva_NetInterimAttributableProfitMember_label_en-US" xlink:label="lab_bbva_NetInterimAttributableProfitMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net interim attributable profit [Member]</link:label>
    <link:label id="lab_bbva_NetInterimAttributableProfitMember_documentation_en-US" xlink:label="lab_bbva_NetInterimAttributableProfitMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net interim attributable profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetInterimAttributableProfitMember" xlink:href="bbva-20221231.xsd#bbva_NetInterimAttributableProfitMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetInterimAttributableProfitMember" xlink:to="lab_bbva_NetInterimAttributableProfitMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOnChangesInForeignExchangeRatesMember_081435a1-2a0c-4deb-aa2c-a2342fb7a347_terseLabel_en-US" xlink:label="lab_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on changes in foreign exchange rates [Member]</link:label>
    <link:label id="lab_bbva_EffectOnChangesInForeignExchangeRatesMember_label_en-US" xlink:label="lab_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on changes in foreign exchange rates [Member]</link:label>
    <link:label id="lab_bbva_EffectOnChangesInForeignExchangeRatesMember_documentation_en-US" xlink:label="lab_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on changes in foreign exchange rates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:href="bbva-20221231.xsd#bbva_EffectOnChangesInForeignExchangeRatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:to="lab_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet_63349938-a70c-4384-9539-57ca4fd1a50a_terseLabel_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which net defined net assets on the consolidated balance sheet</link:label>
    <link:label id="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet_label_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which net defined net assets on the consolidated balance sheet</link:label>
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    <link:label id="lab_bbva_CarlosSalazarLomelnMember_3e2fd726-3d74-4767-aa4c-e9e7cf860a34_terseLabel_en-US" xlink:label="lab_bbva_CarlosSalazarLomelnMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carlos Salazar Lomel&#237;n [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CarlosSalazarLomelnMember" xlink:href="bbva-20221231.xsd#bbva_CarlosSalazarLomelnMember"/>
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    <link:label id="lab_bbva_HedgingInstrumentsAffectedByIBORTable_documentation_en-US" xlink:label="lab_bbva_HedgingInstrumentsAffectedByIBORTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Instruments Affected By IBOR</link:label>
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    <link:label id="lab_bbva_AnnualFixedRemunerationTable_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration [Table]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationTable_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration</link:label>
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    <link:label id="lab_bbva_CashFlowHedgesIneffectivenessMember_44a94435-ada7-4003-8005-0049621e671f_terseLabel_en-US" xlink:label="lab_bbva_CashFlowHedgesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flow hedges ineffectiveness [Member]</link:label>
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    <link:label id="lab_ifrs-full_EquityInvestmentsMember_58468acb-5927-4675-bd50-bce5926e8b7d_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity investments [member]</link:label>
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    <link:label id="lab_bbva_NetLiabilityAssetMember_d634a862-ad97-4677-a5aa-50cb1a962055_terseLabel_en-US" xlink:label="lab_bbva_NetLiabilityAssetMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset [Member]</link:label>
    <link:label id="lab_bbva_NetLiabilityAssetMember_label_en-US" xlink:label="lab_bbva_NetLiabilityAssetMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset [Member]</link:label>
    <link:label id="lab_bbva_NetLiabilityAssetMember_documentation_en-US" xlink:label="lab_bbva_NetLiabilityAssetMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset</link:label>
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    <link:label id="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities_9f7d8b21-7e56-40ac-8fb6-c5d0d0afd70d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repayments of subordinated liabilities</link:label>
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    <link:label id="lab_bbva_ReportsRelatedToIssuances_7c87387f-00fe-4ccb-aa6d-dd4638078cc8_terseLabel_en-US" xlink:label="lab_bbva_ReportsRelatedToIssuances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reports related to issuances</link:label>
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    <link:label id="lab_bbva_ReportsRelatedToIssuances_documentation_en-US" xlink:label="lab_bbva_ReportsRelatedToIssuances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reports related to issuances</link:label>
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    <link:label id="lab_bbva_ContributionToGuaranteedBanksDepositsFunds_9fc1f4e6-63c0-46ff-808a-5ee8ad32a552_terseLabel_en-US" xlink:label="lab_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contribution To Guaranteed Banks Deposits Funds</link:label>
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    <link:label id="lab_bbva_ContributionToGuaranteedBanksDepositsFunds_documentation_en-US" xlink:label="lab_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contribution To Guaranteed Banks Deposits Funds</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:to="lab_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions_4e14857c-7186-4a8e-8cf5-bed1f8681d7d_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee And Commission Expense Related Party Transactions</link:label>
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    <link:label id="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions_documentation_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee And Commission Expense Related Party Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:href="bbva-20221231.xsd#bbva_FeeAndCommissionExpenseRelatedPartyTransactions"/>
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    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTrading_3ad4959c-73c8-4b06-b0c6-b3a34cbe0453_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTrading_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities held for trading</link:label>
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    <link:label id="lab_bbva_VaRByRiskFactorAxis_8a18adb8-3636-4feb-a17c-0cb45cdb29e7_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Axis]</link:label>
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    <link:label id="lab_bbva_VaRByRiskFactorAxis_documentation_en-US" xlink:label="lab_bbva_VaRByRiskFactorAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
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    <link:label id="lab_bbva_HeadingsOfAssetsDomain_ff8c8d8b-db44-4007-a1f3-6544faa1d100_terseLabel_en-US" xlink:label="lab_bbva_HeadingsOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Headings of assets [Domain]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PreferredStock" xlink:to="lab_bbva_PreferredStock" xlink:type="arc" order="1"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock"/>
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    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable_7e14c21a-ea45-4d17-91f7-cb76f1f3b86b_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate [Table]</link:label>
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    <link:label id="lab_bbva_HedgedItemFairValueIneffectivenessMember_documentation_en-US" xlink:label="lab_bbva_HedgedItemFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged item fair value ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgedItemFairValueIneffectivenessMember" xlink:href="bbva-20221231.xsd#bbva_HedgedItemFairValueIneffectivenessMember"/>
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    <link:label id="lab_bbva_OtherJointVenturesMember_ffa65db3-7990-42a7-a34b-09e5a0bc43c6_terseLabel_en-US" xlink:label="lab_bbva_OtherJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other joint ventures [Member]</link:label>
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    <link:label id="lab_bbva_DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities designated at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesDesignatedAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_b377a692-d6d3-485a-921c-e02c97d49a30_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from losing control of subsidiaries or other businesses</link:label>
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    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_654bd488-83bd-41f7-86e1-50c10f26ed40_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_label_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition"/>
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    <link:label id="lab_ifrs-full_TreasuryShares_125c81b9-e185-41bd-9936-c8a6fac6bacc_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares</link:label>
    <link:label id="lab_ifrs-full_TreasuryShares_label_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares</link:label>
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    <link:label id="lab_bbva_LeverageRatioLineItems_8775d71b-c016-44bd-a5e3-7160695c3421_terseLabel_en-US" xlink:label="lab_bbva_LeverageRatioLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage ratio [Line Items]</link:label>
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    <link:label id="lab_bbva_LeverageRatioLineItems_documentation_en-US" xlink:label="lab_bbva_LeverageRatioLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Leverage ratio</link:label>
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    <link:label id="lab_bbva_MedicalBenefitPlanAssets_c91eaf05-fe07-4369-ad44-3e324f48be39_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefit plan assets</link:label>
    <link:label id="lab_bbva_MedicalBenefitPlanAssets_label_en-US" xlink:label="lab_bbva_MedicalBenefitPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefit plan assets</link:label>
    <link:label id="lab_bbva_MedicalBenefitPlanAssets_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitPlanAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefit plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitPlanAssets" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitPlanAssets"/>
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    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain_d5403aad-0e75-4a0c-ad28-3a936b5ac4fa_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument [Domain]</link:label>
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    <link:label id="lab_bbva_EffectiveTaxRateLineItems_5b525d44-4e06-4184-a41e-a4fc77945b9e_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate [Line Items]</link:label>
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    <link:label id="lab_bbva_EffectiveTaxRateLineItems_documentation_en-US" xlink:label="lab_bbva_EffectiveTaxRateLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective tax rate</link:label>
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    <link:label id="lab_bbva_UnrealizedGainsOfDebtSecuritiesAtAmortizedCost_aa163335-ed70-4406-a1e9-655e99f1ce0f_terseLabel_en-US" xlink:label="lab_bbva_UnrealizedGainsOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized gains of debt securities at amortized cost</link:label>
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    <link:label id="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_e218790e-461a-48e1-abdc-e285dbba9eb1_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of intangible assets, classified as investing activities</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase of intangible assets, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition_5eedc73e-395a-4435-9083-b4de6bdb6cb1_terseLabel_en-US" xlink:label="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and cash equivalents disposed of held for sale USA financial position</link:label>
    <link:label id="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition_label_en-US" xlink:label="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and cash equivalents disposed of held for sale USA financial position</link:label>
    <link:label id="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition_documentation_en-US" xlink:label="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and cash equivalents disposed of held for sale USA financial position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" xlink:href="bbva-20221231.xsd#bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" xlink:to="lab_bbva_CashAndCashEquivalentsDisposedOfHeldForSaleUSAFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PlanAssetsBreakdownDomain_660633f8-b4d7-40bf-982d-a09114c8a4bc_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Domain]</link:label>
    <link:label id="lab_bbva_PlanAssetsBreakdownDomain_label_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Domain]</link:label>
    <link:label id="lab_bbva_PlanAssetsBreakdownDomain_documentation_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsBreakdownDomain" xlink:href="bbva-20221231.xsd#bbva_PlanAssetsBreakdownDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PlanAssetsBreakdownDomain" xlink:to="lab_bbva_PlanAssetsBreakdownDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxAssets_d78ace7e-c106-4a33-8536-2bf3efa872d0_totalLabel_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets</link:label>
    <link:label id="lab_bbva_TaxAssets_0799ce93-f5e2-4a2f-8643-35af2bede353_terseLabel_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets</link:label>
    <link:label id="lab_bbva_TaxAssets_92d5db16-a194-4cb9-93b6-a927f7110c79_negatedTerseLabel_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets</link:label>
    <link:label id="lab_bbva_TaxAssets_label_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets</link:label>
    <link:label id="lab_bbva_TaxAssets_documentation_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxAssets" xlink:href="bbva-20221231.xsd#bbva_TaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxAssets" xlink:to="lab_bbva_TaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss_a0477ec6-2e7b-4aa6-a93a-4d66017e41bf_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale that will not be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLiquidityRisk_c09af569-341b-40ee-8787-ef291aabd1b8_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets liquidity risk</link:label>
    <link:label id="lab_bbva_FinancialAssetsLiquidityRisk_label_en-US" xlink:label="lab_bbva_FinancialAssetsLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets liquidity risk</link:label>
    <link:label id="lab_bbva_FinancialAssetsLiquidityRisk_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets liquidity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLiquidityRisk" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsLiquidityRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLiquidityRisk" xlink:to="lab_bbva_FinancialAssetsLiquidityRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EarlyRetirementExpense_15002419-f5ba-494c-b69c-5f9c197b8a6b_terseLabel_en-US" xlink:label="lab_bbva_EarlyRetirementExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Early Retirement Expense</link:label>
    <link:label id="lab_bbva_EarlyRetirementExpense_label_en-US" xlink:label="lab_bbva_EarlyRetirementExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Early Retirement Expense</link:label>
    <link:label id="lab_bbva_EarlyRetirementExpense_documentation_en-US" xlink:label="lab_bbva_EarlyRetirementExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Early Retirement Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EarlyRetirementExpense" xlink:href="bbva-20221231.xsd#bbva_EarlyRetirementExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EarlyRetirementExpense" xlink:to="lab_bbva_EarlyRetirementExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementDeathAndDisability_25fe5dfd-ecb4-4b40-acaa-4f6a4a80fe9d_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementDeathAndDisability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management death and disability</link:label>
    <link:label id="lab_bbva_SeniorManagementDeathAndDisability_label_en-US" xlink:label="lab_bbva_SeniorManagementDeathAndDisability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management death and disability</link:label>
    <link:label id="lab_bbva_SeniorManagementDeathAndDisability_documentation_en-US" xlink:label="lab_bbva_SeniorManagementDeathAndDisability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management death and disability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementDeathAndDisability" xlink:href="bbva-20221231.xsd#bbva_SeniorManagementDeathAndDisability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorManagementDeathAndDisability" xlink:to="lab_bbva_SeniorManagementDeathAndDisability" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RestatedMember_48491e6d-fb62-4150-86ae-302a86fb9cb0_terseLabel_en-US" xlink:label="lab_ifrs-full_RestatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Currently stated [member]</link:label>
    <link:label id="lab_ifrs-full_RestatedMember_label_en-US" xlink:label="lab_ifrs-full_RestatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Currently stated [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RestatedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RestatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RestatedMember" xlink:to="lab_ifrs-full_RestatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock_5cee51f7-4dad-45ab-acd7-8ef77a751f19_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for functional currency balance sheet [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for functional currency balance sheet [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for functional currency balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems_f15b0244-5536-427e-8021-6a7525acf4cc_terseLabel_en-US" xlink:label="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Intsruments Affected By IBOR [Line Items]</link:label>
    <link:label id="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems_label_en-US" xlink:label="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Instruments Affected By IBOR [Line Items]</link:label>
    <link:label id="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems_documentation_en-US" xlink:label="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Instruments Affected By IBOR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingInstrumentsAffectedByIBORLineItems" xlink:href="bbva-20221231.xsd#bbva_HedgingInstrumentsAffectedByIBORLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingInstrumentsAffectedByIBORLineItems" xlink:to="lab_bbva_HedgingInstrumentsAffectedByIBORLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SourcesOfEncumbranceTable_d0ac8318-4eec-42e9-9e44-8c2d9ae5aa93_terseLabel_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sources of encumbrance [Table]</link:label>
    <link:label id="lab_bbva_SourcesOfEncumbranceTable_label_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sources of encumbrance [Table]</link:label>
    <link:label id="lab_bbva_SourcesOfEncumbranceTable_documentation_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SourcesOfEncumbranceTable" xlink:href="bbva-20221231.xsd#bbva_SourcesOfEncumbranceTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SourcesOfEncumbranceTable" xlink:to="lab_bbva_SourcesOfEncumbranceTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems_164869ab-6142-4357-8ff9-480b20defc60_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value by levels [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value by levels [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueByLevelsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:to="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustomerDepositsByCountryAxis_518164b0-5eef-441a-a4ba-7979f0397bc8_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits by country [Axis]</link:label>
    <link:label id="lab_bbva_CustomerDepositsByCountryAxis_label_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits by country [Axis]</link:label>
    <link:label id="lab_bbva_CustomerDepositsByCountryAxis_documentation_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_CustomerDepositsByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustomerDepositsByCountryAxis" xlink:to="lab_bbva_CustomerDepositsByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SharePremiumAbstract_label_en-US" xlink:label="lab_bbva_SharePremiumAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share premium [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_SharePremiumAbstract" xlink:href="bbva-20221231.xsd#bbva_SharePremiumAbstract"/>
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    <link:label id="lab_bbva_PastServiceCostMember_33788f14-78a4-4fd6-924d-4ca2cc0a53d6_terseLabel_en-US" xlink:label="lab_bbva_PastServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Past service cost [Member]</link:label>
    <link:label id="lab_bbva_PastServiceCostMember_label_en-US" xlink:label="lab_bbva_PastServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Past service cost [Member]</link:label>
    <link:label id="lab_bbva_PastServiceCostMember_documentation_en-US" xlink:label="lab_bbva_PastServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Past service cost</link:label>
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    <link:label id="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis_documentation_en-US" xlink:label="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax asssets and liabilities</link:label>
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    <link:label id="lab_bbva_RelatedPartiesOfSeniorManagementMember_65694da8-cc8b-4080-ad85-df0a889622df_terseLabel_en-US" xlink:label="lab_bbva_RelatedPartiesOfSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related parties of senior management [Member]</link:label>
    <link:label id="lab_bbva_RelatedPartiesOfSeniorManagementMember_label_en-US" xlink:label="lab_bbva_RelatedPartiesOfSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related parties of senior management [Member]</link:label>
    <link:label id="lab_bbva_RelatedPartiesOfSeniorManagementMember_documentation_en-US" xlink:label="lab_bbva_RelatedPartiesOfSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related parties of senior management</link:label>
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    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock_0b88d714-d5c2-4775-8ec9-0db4702519b4_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock"/>
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    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_bb9294e1-c6f4-44fb-9a35-25e0d18cf7f5_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income tax relating to components of other comprehensive income that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income tax relating to components of other comprehensive income that will not be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss"/>
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    <link:label id="lab_bbva_CoveredBonsMember_1ddd4b61-eb49-432e-9b4b-a951b336000c_terseLabel_en-US" xlink:label="lab_bbva_CoveredBonsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Covered bons [Member]</link:label>
    <link:label id="lab_bbva_CoveredBonsMember_label_en-US" xlink:label="lab_bbva_CoveredBonsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Covered bons [Member]</link:label>
    <link:label id="lab_bbva_CoveredBonsMember_documentation_en-US" xlink:label="lab_bbva_CoveredBonsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Covered bons</link:label>
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    <link:label id="lab_bbva_LourdesMaizCarroMember_471d7ba2-ff96-4b62-99b6-2073f1696700_terseLabel_en-US" xlink:label="lab_bbva_LourdesMaizCarroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lourdes Maiz Carro [Member]</link:label>
    <link:label id="lab_bbva_LourdesMaizCarroMember_label_en-US" xlink:label="lab_bbva_LourdesMaizCarroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lourdes Maiz Carro [Member]</link:label>
    <link:label id="lab_bbva_LourdesMaizCarroMember_documentation_en-US" xlink:label="lab_bbva_LourdesMaizCarroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lourdes Maiz Carro</link:label>
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    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost_2f19a703-e606-4d0f-83f3-b59403acf685_terseLabel_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Memorandum item subordinated liabilities at amortised cost</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" xlink:to="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalAxis_5688f338-9be6-4960-994f-b14b4aee8446_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of share capital [axis]</link:label>
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    <link:label id="lab_bbva_DisinvestmentsInFinancingActivities_73290c1c-0241-4bcb-89b5-5f7863d6999f_negatedTotalLabel_en-US" xlink:label="lab_bbva_DisinvestmentsInFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disinvestments In Financing Activities</link:label>
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    <link:label id="lab_bbva_ShortPositionsMember_d444246f-05cb-4c46-b5f0-8506514bb53c_terseLabel_en-US" xlink:label="lab_bbva_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Short positions [Member]</link:label>
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    <link:label id="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves_9b18cc89-f282-4300-b518-76ac61e2edf1_terseLabel_en-US" xlink:label="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal retained earnings or losses and revaluation reserves</link:label>
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    <link:label id="lab_bbva_A2026Member_e516fb82-74a1-486e-b1f7-5c97c4761612_terseLabel_en-US" xlink:label="lab_bbva_A2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2026 [Member]</link:label>
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    <link:label id="lab_bbva_A2026Member_documentation_en-US" xlink:label="lab_bbva_A2026Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2026</link:label>
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    <link:label id="lab_bbva_OtherFinancialLiabilitiesTable_dca2eea2-bcf6-498e-a57d-647758028293_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Table]</link:label>
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    <link:label id="lab_bbva_OtherFinancialLiabilitiesTable_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
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    <link:label id="lab_bbva_ImpactOfTheStressTestTable_883b20d4-1c5f-4c21-9448-79533a68ea32_terseLabel_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impact of the stress test [Table]</link:label>
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    <link:label id="lab_bbva_DistributionOfResults_d23ee6b9-ff5b-4ece-a213-fe9f44323d0d_terseLabel_en-US" xlink:label="lab_bbva_DistributionOfResults" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Distribution of results</link:label>
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    <link:label id="lab_bbva_DistributionOfResults_documentation_en-US" xlink:label="lab_bbva_DistributionOfResults" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Distribution of results</link:label>
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    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_c4286f0f-a544-4f97-b8f0-50fe23769879_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost</link:label>
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    <link:label id="lab_bbva_SecuritiesAgreementsHedgeAccountingMember_e738c165-b003-4b7f-93af-8e6a6365376d_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities agreements hedge accounting [Member]</link:label>
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    <link:label id="lab_bbva_CommercialPropertyMember_21568f3f-45ab-4a4f-9bad-30ca811e37be_terseLabel_en-US" xlink:label="lab_bbva_CommercialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commercial property [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommercialPropertyMember" xlink:href="bbva-20221231.xsd#bbva_CommercialPropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommercialPropertyMember" xlink:to="lab_bbva_CommercialPropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock_995b0c3f-c4f7-43ca-971e-96c54d3bef21_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for pensions and similar obligations changes over the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock_label_en-US" xlink:label="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for pensions and similar obligations changes over the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for pensions and similar obligations changes over the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:to="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfEquityInstruments_83314a18-f1a3-4c2d-a770-40270f4ac4b7_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of equity instruments</link:label>
    <link:label id="lab_bbva_FairValueOfEquityInstruments_label_en-US" xlink:label="lab_bbva_FairValueOfEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of equity instruments</link:label>
    <link:label id="lab_bbva_FairValueOfEquityInstruments_documentation_en-US" xlink:label="lab_bbva_FairValueOfEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfEquityInstruments" xlink:href="bbva-20221231.xsd#bbva_FairValueOfEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfEquityInstruments" xlink:to="lab_bbva_FairValueOfEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TradeReceivablesMember_6b4bc91a-b9ca-4459-8c1b-09a39c4d4e2f_terseLabel_en-US" xlink:label="lab_ifrs-full_TradeReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trade receivables [Member]</link:label>
    <link:label id="lab_ifrs-full_TradeReceivablesMember_label_en-US" xlink:label="lab_ifrs-full_TradeReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trade receivables [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TradeReceivablesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_TradeReceivablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TradeReceivablesMember" xlink:to="lab_ifrs-full_TradeReceivablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable_85627c4b-d1ae-40a0-8d13-9b1adfb5bcab_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels [Table]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels [Table]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable_documentation_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:href="bbva-20221231.xsd#bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:to="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable_09c4caa8-9c14-4ec4-ab8e-e24228defb6e_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty [Table]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty [Table]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:to="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash_d02e9528-50d5-4fdc-8b9e-511c66cafecb_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors in cash</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors in cash</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors in cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationBBVADirectorsInCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:to="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue_06b1ed1c-fbc4-4ad9-8a98-81509e2b449e_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments, mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments, mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments, mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" xlink:to="lab_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_AllCurrenciesDomain_6fba8a98-4055-4522-ac3a-b6af52633686_terseLabel_en-US" xlink:label="lab_currency_AllCurrenciesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">All Currencies [Domain]</link:label>
    <link:label id="lab_currency_AllCurrenciesDomain_label_en-US" xlink:label="lab_currency_AllCurrenciesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">All Currencies [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_AllCurrenciesDomain" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_AllCurrenciesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_AllCurrenciesDomain" xlink:to="lab_currency_AllCurrenciesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities_dd6eac47-7a27-4490-a6c1-324cbffda503_terseLabel_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</link:label>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</link:label>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities_documentation_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:href="bbva-20221231.xsd#bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:to="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PositiveScenarioTable_d3bdaa50-2ebe-400f-a46a-986ddb9793ef_terseLabel_en-US" xlink:label="lab_bbva_PositiveScenarioTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario [Table]</link:label>
    <link:label id="lab_bbva_PositiveScenarioTable_label_en-US" xlink:label="lab_bbva_PositiveScenarioTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario [Table]</link:label>
    <link:label id="lab_bbva_PositiveScenarioTable_documentation_en-US" xlink:label="lab_bbva_PositiveScenarioTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PositiveScenarioTable" xlink:href="bbva-20221231.xsd#bbva_PositiveScenarioTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PositiveScenarioTable" xlink:to="lab_bbva_PositiveScenarioTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForReconcileProfitLoss_5aa86aae-e6fb-4b6b-96ac-83d75360e06b_totalLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments to reconcile profit (loss)</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForReconcileProfitLoss_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments to reconcile profit (loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForReconcileProfitLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:to="lab_ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember_4285196d-4322-4bd0-8f97-b79fa2263151_terseLabel_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash cash balances at central banks and other demand deposits [Member]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember_label_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash cash balances at central banks and other demand deposits [Member]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember_documentation_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash cash balances at central banks and other demand deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:href="bbva-20221231.xsd#bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:to="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVASegurosSAMember_7a3259c0-74de-4946-8c1c-853faa1a0110_terseLabel_en-US" xlink:label="lab_bbva_BBVASegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Seguros SA [Member]</link:label>
    <link:label id="lab_bbva_BBVASegurosSAMember_label_en-US" xlink:label="lab_bbva_BBVASegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Seguros SA [Member]</link:label>
    <link:label id="lab_bbva_BBVASegurosSAMember_documentation_en-US" xlink:label="lab_bbva_BBVASegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Seguros SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVASegurosSAMember" xlink:href="bbva-20221231.xsd#bbva_BBVASegurosSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVASegurosSAMember" xlink:to="lab_bbva_BBVASegurosSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear_cb1259b5-0f69-43cb-8f24-6e7bed52393b_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments changes of the year</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments changes of the year</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments changes of the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsChangesOfTheYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:to="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue_92502c65-8313-40db-aead-7aceba316ddd_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities, mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities, mandatorily measured at fair value</link:label>
    <link:label id="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities, mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" xlink:to="lab_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A0To2Member_26d90aff-7f37-4350-a1ad-ed49aa7564da_terseLabel_en-US" xlink:label="lab_bbva_A0To2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">0 to 2 [Member]</link:label>
    <link:label id="lab_bbva_A0To2Member_label_en-US" xlink:label="lab_bbva_A0To2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">0 to 2 [Member]</link:label>
    <link:label id="lab_bbva_A0To2Member_documentation_en-US" xlink:label="lab_bbva_A0To2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">0 to 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A0To2Member" xlink:href="bbva-20221231.xsd#bbva_A0To2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A0To2Member" xlink:to="lab_bbva_A0To2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesAxis_dbb5f614-260b-4e12-a6b8-ba1ce8f46133_terseLabel_en-US" xlink:label="lab_bbva_DerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk [Axis]</link:label>
    <link:label id="lab_bbva_DerivativesAxis_label_en-US" xlink:label="lab_bbva_DerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives [Axis]</link:label>
    <link:label id="lab_bbva_DerivativesAxis_documentation_en-US" xlink:label="lab_bbva_DerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesAxis" xlink:href="bbva-20221231.xsd#bbva_DerivativesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesAxis" xlink:to="lab_bbva_DerivativesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfSubsequentEventsTextBlock_06c0681f-8e28-4e5e-9eaa-daff6e901e47_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of subsequent events [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfSubsequentEventsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of subsequent events [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfSubsequentEventsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of subsequent events</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfSubsequentEventsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:to="lab_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_e0f8a63d-ecc9-4511-8f5c-a85364fb15a9_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingAssets_5b8d6299-55aa-43c1-ab09-ede4403c4408_negatedTotalLabel_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase decrease in operating assets</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingAssets_label_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase decrease in operating assets</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingAssets_documentation_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase decrease in operating assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetIncreaseDecreaseInOperatingAssets" xlink:href="bbva-20221231.xsd#bbva_NetIncreaseDecreaseInOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetIncreaseDecreaseInOperatingAssets" xlink:to="lab_bbva_NetIncreaseDecreaseInOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock_44349826-3fb8-40b2-a142-77d3db2c14e6_terseLabel_en-US" xlink:label="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions with members of the board of directors and senior management balance at 31st december [Table Text Block]</link:label>
    <link:label id="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock_label_en-US" xlink:label="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions with members of the board of directors and senior management balance at 31st december [Table Text Block]</link:label>
    <link:label id="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions with members of the board of directors and senior management balance at 31st december</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" xlink:to="lab_bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis_15522b29-f5c3-4e62-b827-248525d178a2_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale [Axis]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale [Axis]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember_a797d4b0-6cd3-4ff3-b675-ac34490500cf_terseLabel_en-US" xlink:label="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Servicios electronicos globales SA de CV [Member]</link:label>
    <link:label id="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember_label_en-US" xlink:label="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Servicios Electronicos Globales SA de CV [Member]</link:label>
    <link:label id="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember_documentation_en-US" xlink:label="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Servicios Electronicos Globales SA de CV</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:href="bbva-20221231.xsd#bbva_ServiciosElectronicosGlobalesSADeCVMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:to="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities_b654901f-4c3f-4394-8b3b-c22977d95ad3_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of Level 2 into Level 1 of fair value hierarchy, liabilities held at end of reporting period</link:label>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of Level 2 into Level 1 of fair value hierarchy, liabilities held at end of reporting period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" xlink:to="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LevelsOfFairValueHierarchyDomain_b165a6f5-c858-4791-a345-afc5c7d66261_terseLabel_en-US" xlink:label="lab_bbva_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Levels of fair value hierarchy [Domain]</link:label>
    <link:label id="lab_bbva_LevelsOfFairValueHierarchyDomain_label_en-US" xlink:label="lab_bbva_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Levels of fair value hierarchy [Domain]</link:label>
    <link:label id="lab_bbva_LevelsOfFairValueHierarchyDomain_documentation_en-US" xlink:label="lab_bbva_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Levels of fair value hierarchy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LevelsOfFairValueHierarchyDomain" xlink:href="bbva-20221231.xsd#bbva_LevelsOfFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LevelsOfFairValueHierarchyDomain" xlink:to="lab_bbva_LevelsOfFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis_7720177e-7de5-4274-84c1-f8cc908395ec_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration Deferred portion BBVA directors [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration Deferred portion BBVA directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:href="bbva-20221231.xsd#bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax_1800fef4-01a8-483d-a93c-ad3f9ff3e5dc_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, before tax</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CostOfTangibleAssets_7b200f6a-eeb2-43de-ac45-bd7fe2d3a42a_periodStartLabel_en-US" xlink:label="lab_bbva_CostOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost of tangible assets</link:label>
    <link:label id="lab_bbva_CostOfTangibleAssets_abfd3fca-8d8a-4364-aa86-78991c22abf2_periodEndLabel_en-US" xlink:label="lab_bbva_CostOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost of tangible assets</link:label>
    <link:label id="lab_bbva_CostOfTangibleAssets_label_en-US" xlink:label="lab_bbva_CostOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost of tangible assets</link:label>
    <link:label id="lab_bbva_CostOfTangibleAssets_documentation_en-US" xlink:label="lab_bbva_CostOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CostOfTangibleAssets" xlink:href="bbva-20221231.xsd#bbva_CostOfTangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CostOfTangibleAssets" xlink:to="lab_bbva_CostOfTangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsAxis_9aa829e8-7923-4faf-9f71-743a6c136cea_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Axis]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsAxis_label_en-US" xlink:label="lab_bbva_ExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors [Axis]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsAxis_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsAxis" xlink:href="bbva-20221231.xsd#bbva_ExecutiveDirectorsAxis"/>
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    <link:label id="lab_bbva_Stage1Member_9c4da611-c6da-46ee-82a3-2d5d0bf62d71_terseLabel_en-US" xlink:label="lab_bbva_Stage1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stage 1 [Member]</link:label>
    <link:label id="lab_bbva_Stage1Member_label_en-US" xlink:label="lab_bbva_Stage1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stage 1 [Member]</link:label>
    <link:label id="lab_bbva_Stage1Member_documentation_en-US" xlink:label="lab_bbva_Stage1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stage 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Stage1Member" xlink:href="bbva-20221231.xsd#bbva_Stage1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Stage1Member" xlink:to="lab_bbva_Stage1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfProposedInterimDividend_725bbc31-587b-4de6-bb46-0d138eaf42f4_terseLabel_en-US" xlink:label="lab_bbva_AmountOfProposedInterimDividend" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of proposed interim dividend</link:label>
    <link:label id="lab_bbva_AmountOfProposedInterimDividend_label_en-US" xlink:label="lab_bbva_AmountOfProposedInterimDividend" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of proposed interim dividend</link:label>
    <link:label id="lab_bbva_AmountOfProposedInterimDividend_documentation_en-US" xlink:label="lab_bbva_AmountOfProposedInterimDividend" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of proposed interim dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfProposedInterimDividend" xlink:href="bbva-20221231.xsd#bbva_AmountOfProposedInterimDividend"/>
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    <link:label id="lab_bbva_LoansAndAdvancesHeldForTrading_19c64054-2aad-4498-ad1e-75677f027bd8_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances held for trading</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesHeldForTrading_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances held for trading</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesHeldForTrading_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesHeldForTrading"/>
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    <link:label id="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff_0017a423-4213-4445-9032-89f6e7272f82_terseLabel_en-US" xlink:label="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gain on recovery of loans and advances previously written off</link:label>
    <link:label id="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff_label_en-US" xlink:label="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gain on recovery of loans and advances previously written off</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" xlink:to="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities_b7c96f62-135a-4d40-bf0c-8cdb9ddc242a_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) operating activities</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities"/>
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    <link:label id="lab_bbva_BySecureLoansMember_4decb8be-ff79-4971-a045-f1d84ff2ea1f_terseLabel_en-US" xlink:label="lab_bbva_BySecureLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">By secure loans [Member]</link:label>
    <link:label id="lab_bbva_BySecureLoansMember_label_en-US" xlink:label="lab_bbva_BySecureLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">By secure loans [Member]</link:label>
    <link:label id="lab_bbva_BySecureLoansMember_documentation_en-US" xlink:label="lab_bbva_BySecureLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">By secure loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BySecureLoansMember" xlink:href="bbva-20221231.xsd#bbva_BySecureLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BySecureLoansMember" xlink:to="lab_bbva_BySecureLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock_4ba264c2-5fb8-4845-8b73-d76f1ebd8ef7_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA accepted in pledge [Table Text Block]</link:label>
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    <link:label id="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA accepted in pledge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" xlink:to="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities_2dada08b-4c8d-4e24-8099-f6b779a6cff4_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Investing Activities</link:label>
    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities_label_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Investing Activities</link:label>
    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities_documentation_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichHyperinflationEffectFromInvestingActivities" xlink:href="bbva-20221231.xsd#bbva_OfWhichHyperinflationEffectFromInvestingActivities"/>
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    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValue_6f886148-afc3-43ff-ae06-8f30132db74c_terseLabel_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage impact on net economic value</link:label>
    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValue_label_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage impact on net economic value</link:label>
    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValue_documentation_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage impact on net economic value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageImpactOnNetEconomicValue" xlink:href="bbva-20221231.xsd#bbva_PercentageImpactOnNetEconomicValue"/>
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    <link:label id="lab_bbva_UnrealizedGainsOfEquityInstruments_4d503deb-f9de-43d6-8221-447a11643f71_terseLabel_en-US" xlink:label="lab_bbva_UnrealizedGainsOfEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized gains of equity instruments</link:label>
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    <link:label id="lab_bbva_UnrealizedGainsOfEquityInstruments_documentation_en-US" xlink:label="lab_bbva_UnrealizedGainsOfEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized gains of equity instruments</link:label>
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    <link:label id="lab_bbva_ReconciliationIncomeTaxMember_4b30d81a-dbd8-48c9-afc4-528266d5d527_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation income tax [Member]</link:label>
    <link:label id="lab_bbva_ReconciliationIncomeTaxMember_label_en-US" xlink:label="lab_bbva_ReconciliationIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation income tax [Member]</link:label>
    <link:label id="lab_bbva_ReconciliationIncomeTaxMember_documentation_en-US" xlink:label="lab_bbva_ReconciliationIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliation income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationIncomeTaxMember" xlink:href="bbva-20221231.xsd#bbva_ReconciliationIncomeTaxMember"/>
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    <link:label id="lab_bbva_WholesaleAndRetailTradeMember_9a57ed6d-61fe-4478-963e-a409b69ae127_terseLabel_en-US" xlink:label="lab_bbva_WholesaleAndRetailTradeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Wholesale and retail trade [Member]</link:label>
    <link:label id="lab_bbva_WholesaleAndRetailTradeMember_label_en-US" xlink:label="lab_bbva_WholesaleAndRetailTradeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Wholesale and retail trade [Member]</link:label>
    <link:label id="lab_bbva_WholesaleAndRetailTradeMember_documentation_en-US" xlink:label="lab_bbva_WholesaleAndRetailTradeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Wholesale and retail trade</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WholesaleAndRetailTradeMember" xlink:href="bbva-20221231.xsd#bbva_WholesaleAndRetailTradeMember"/>
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    <link:label id="lab_bbva_OtherNonControllingInterestItemsMember_91ab8ab2-0711-4de9-b668-93bd8a10c1b9_terseLabel_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItemsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rest of non controlling interest [Member]</link:label>
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    <link:label id="lab_bbva_OtherNonControllingInterestItemsMember_documentation_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItemsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non controlling interest items</link:label>
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    <link:label id="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries_4682f660-e021-4ba7-98af-7efbc52ac088_terseLabel_en-US" xlink:label="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total tangible assets by Spanish and foreign subsidiaries</link:label>
    <link:label id="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries_label_en-US" xlink:label="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total tangible assets by Spanish and foreign subsidiaries</link:label>
    <link:label id="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries_documentation_en-US" xlink:label="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total tangible assets by Spanish and foreign subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" xlink:href="bbva-20221231.xsd#bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" xlink:to="lab_bbva_TotalTangibleAssetsBySpanishAndForeignSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxFinancialsInstruments_ece0e1ae-f06a-4de5-97d0-1ade03daecb1_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxFinancialsInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax financials instruments</link:label>
    <link:label id="lab_bbva_DeferredTaxFinancialsInstruments_label_en-US" xlink:label="lab_bbva_DeferredTaxFinancialsInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax financials instruments</link:label>
    <link:label id="lab_bbva_DeferredTaxFinancialsInstruments_documentation_en-US" xlink:label="lab_bbva_DeferredTaxFinancialsInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax financials instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxFinancialsInstruments" xlink:href="bbva-20221231.xsd#bbva_DeferredTaxFinancialsInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxFinancialsInstruments" xlink:to="lab_bbva_DeferredTaxFinancialsInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued_13bcc365-a60b-4afc-b032-689a7158e997_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of encumbered collateral received or own debt securities issued</link:label>
    <link:label id="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued_label_en-US" xlink:label="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of encumbered collateral received or own debt securities issued</link:label>
    <link:label id="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued_documentation_en-US" xlink:label="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of encumbered collateral received or own debt securities issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:href="bbva-20221231.xsd#bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:to="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems_c893a1e5-d7fe-4664-9a02-7ca31290f715_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of fair value of plan assets [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of fair value of plan assets [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems" xlink:to="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock_7e9f400a-a38f-4061-96df-4e4d7f02803d_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk and by product or by type of market [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock_label_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk and by product or by type of market [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk and by product or by type of market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:to="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock_5bf6c6be-01cc-44a5-ab8a-e02880ecc066_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Assets and Liabilities under reinsurance and insurance contracts [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Assets and Liabilities under reinsurance and insurance contracts [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Assets and Liabilities under reinsurance and insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:to="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock_21586a3b-d2ef-420a-9e34-4f8c5c511a7b_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to one percent of the average rate in the main currencies [Table Text Block]</link:label>
    <link:label id="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock_label_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to one percent of the average rate in the main currencies [Table Text Block]</link:label>
    <link:label id="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity to one percent of the average rate in the main currencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:to="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfRiskManagementTextBlock_0f6ec796-e9e3-40f5-9b02-709c4d46299a_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfRiskManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of risk management [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfRiskManagementTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfRiskManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of risk management [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfRiskManagementTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfRiskManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of risk management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfRiskManagementTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfRiskManagementTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfRiskManagementTextBlock" xlink:to="lab_bbva_DisclosureOfRiskManagementTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskDomain_fed2c691-5873-4af9-9330-3d4a132b67a0_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk [Domain]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskDomain_label_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk [Domain]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskDomain_documentation_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesByTypeOfRiskDomain" xlink:href="bbva-20221231.xsd#bbva_DerivativesByTypeOfRiskDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesByTypeOfRiskDomain" xlink:to="lab_bbva_DerivativesByTypeOfRiskDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock_c736a5ed-0666-4514-be26-172f7f104f92_terseLabel_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock_label_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ImpairedSecuredLoansRisksTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:to="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxGuaranteedTaxAssets_817df166-bd9f-4b97-a63b-23cc783cff46_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxGuaranteedTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax guaranteed tax assets</link:label>
    <link:label id="lab_bbva_DeferredTaxGuaranteedTaxAssets_label_en-US" xlink:label="lab_bbva_DeferredTaxGuaranteedTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax guaranteed tax assets</link:label>
    <link:label id="lab_bbva_DeferredTaxGuaranteedTaxAssets_documentation_en-US" xlink:label="lab_bbva_DeferredTaxGuaranteedTaxAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax guaranteed tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxGuaranteedTaxAssets" xlink:href="bbva-20221231.xsd#bbva_DeferredTaxGuaranteedTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxGuaranteedTaxAssets" xlink:to="lab_bbva_DeferredTaxGuaranteedTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis_38c0dbf5-a01d-4c1f-8cf3-b733d6dc3084_terseLabel_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of risk product or market of derivatives [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis_label_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of risk product or market of derivatives [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of risk product or market of derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfRiskProductOrMarketOfDerivativesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:to="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock_7269a134-e777-4a09-900c-bb8c3b47a487_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Financial Assets Not Measured At Fair Value Through Profit Or Loss [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Financial Assets Not Measured At Fair Value Through Profit Or Loss [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Financial Assets Not Measured At Fair Value Through Profit Or Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherSpanishEntitiesMember_3f631473-8eeb-4581-83c9-d1a325a46f83_terseLabel_en-US" xlink:label="lab_bbva_OtherSpanishEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Spanish entities [Member]</link:label>
    <link:label id="lab_bbva_OtherSpanishEntitiesMember_label_en-US" xlink:label="lab_bbva_OtherSpanishEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Spanish entities [Member]</link:label>
    <link:label id="lab_bbva_OtherSpanishEntitiesMember_documentation_en-US" xlink:label="lab_bbva_OtherSpanishEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Spanish entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherSpanishEntitiesMember" xlink:href="bbva-20221231.xsd#bbva_OtherSpanishEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherSpanishEntitiesMember" xlink:to="lab_bbva_OtherSpanishEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumExposureToCreditRiskLineItems_76021ab8-eeb8-4909-a0b6-d3c7ce435a69_terseLabel_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Exposure to Credit Risk [Line Items]</link:label>
    <link:label id="lab_bbva_MaximumExposureToCreditRiskLineItems_label_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Exposure to Credit Risk [Line Items]</link:label>
    <link:label id="lab_bbva_MaximumExposureToCreditRiskLineItems_documentation_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Exposure to Credit Risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumExposureToCreditRiskLineItems" xlink:href="bbva-20221231.xsd#bbva_MaximumExposureToCreditRiskLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumExposureToCreditRiskLineItems" xlink:to="lab_bbva_MaximumExposureToCreditRiskLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityAnalysisLineItems_8de8cc37-8175-43a6-85ae-0dd40abebecd_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Line Items]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisLineItems_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Line Items]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisLineItems_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisLineItems" xlink:href="bbva-20221231.xsd#bbva_SensitivityAnalysisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisLineItems" xlink:to="lab_bbva_SensitivityAnalysisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtCertificatesIssued_0d494e85-2eb4-4fb6-be2e-2037c951c3b6_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates issued</link:label>
    <link:label id="lab_bbva_DebtCertificatesIssued_label_en-US" xlink:label="lab_bbva_DebtCertificatesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates issued</link:label>
    <link:label id="lab_bbva_DebtCertificatesIssued_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesIssued" xlink:href="bbva-20221231.xsd#bbva_DebtCertificatesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtCertificatesIssued" xlink:to="lab_bbva_DebtCertificatesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding_947811d4-9a39-4872-80f2-026542a9180f_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding_1842266b-5471-4ed7-a80a-a975b19de6b3_periodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:to="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecurilizationBondsMember_b0ca693e-bcea-4edd-81a9-d4e28b003484_terseLabel_en-US" xlink:label="lab_bbva_SecurilizationBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securilization bonds [Member]</link:label>
    <link:label id="lab_bbva_SecurilizationBondsMember_label_en-US" xlink:label="lab_bbva_SecurilizationBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securilization bonds [Member]</link:label>
    <link:label id="lab_bbva_SecurilizationBondsMember_documentation_en-US" xlink:label="lab_bbva_SecurilizationBondsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securilization bonds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecurilizationBondsMember" xlink:href="bbva-20221231.xsd#bbva_SecurilizationBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecurilizationBondsMember" xlink:to="lab_bbva_SecurilizationBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable_8f7bc39d-39f5-4ce9-93ac-25db0a0c52eb_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Table]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable_label_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Table]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable_documentation_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" xlink:href="bbva-20221231.xsd#bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" xlink:to="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuritizedMortgageAssets_e9cd7165-e09c-4558-918c-c1434c48c9b6_terseLabel_en-US" xlink:label="lab_bbva_SecuritizedMortgageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securitized mortgage assets</link:label>
    <link:label id="lab_bbva_SecuritizedMortgageAssets_label_en-US" xlink:label="lab_bbva_SecuritizedMortgageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securitized mortgage assets</link:label>
    <link:label id="lab_bbva_SecuritizedMortgageAssets_documentation_en-US" xlink:label="lab_bbva_SecuritizedMortgageAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securitized mortgage assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritizedMortgageAssets" xlink:href="bbva-20221231.xsd#bbva_SecuritizedMortgageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuritizedMortgageAssets" xlink:to="lab_bbva_SecuritizedMortgageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromDebtCertificatesTableTextBlock_59e64170-17fa-4bb8-9e5f-cb34d328a1e4_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from debt certificates [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepositsFromDebtCertificatesTableTextBlock_label_en-US" xlink:label="lab_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from debt certificates [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepositsFromDebtCertificatesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from debt certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DepositsFromDebtCertificatesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:to="lab_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember_7201d56f-1976-4b7a-8d49-e722b5a029b5_terseLabel_en-US" xlink:label="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which impaired assets of loans and advances to customers [Member]</link:label>
    <link:label id="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember_label_en-US" xlink:label="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which impaired assets of loans and advances to customers [Member]</link:label>
    <link:label id="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember_documentation_en-US" xlink:label="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which impaired assets of loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:to="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember_8a22028a-1357-427e-9e8e-674023dfc550_terseLabel_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost [Member]</link:label>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember_label_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost [Member]</link:label>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember_documentation_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:href="bbva-20221231.xsd#bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:to="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss_4b074904-2958-41e1-8dc6-daf8672e344d_terseLabel_en-US" xlink:label="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign currency translation that will be classified to profit or loss</link:label>
    <link:label id="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign currency translation that will be classified to profit or loss</link:label>
    <link:label id="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign currency translation that will be classified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" xlink:to="lab_bbva_ForeignCurrencyTranslationThatWillBeClassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BySubordinationMember_5a8e338b-54ca-4bbd-8b85-e65e6b63c290_terseLabel_en-US" xlink:label="lab_bbva_BySubordinationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">By subordination [Member]</link:label>
    <link:label id="lab_bbva_BySubordinationMember_label_en-US" xlink:label="lab_bbva_BySubordinationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">By subordination [Member]</link:label>
    <link:label id="lab_bbva_BySubordinationMember_documentation_en-US" xlink:label="lab_bbva_BySubordinationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">By subordination</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BySubordinationMember" xlink:href="bbva-20221231.xsd#bbva_BySubordinationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BySubordinationMember" xlink:to="lab_bbva_BySubordinationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock_067964a5-7e62-42de-8311-163cfaa21667_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for recognition of revenue and expenses [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for recognition of revenue and expenses [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for recognition of revenue and expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_d7fc7083-ad7c-4128-8001-9a2df67d5033_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three months and not later than one year [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three months and not later than one year [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:to="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsolidatedIncomeStatementImpactLineItems_86fff494-fdcd-4141-bc01-43d482fa829d_terseLabel_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated income statement impact [Line Items]</link:label>
    <link:label id="lab_bbva_ConsolidatedIncomeStatementImpactLineItems_label_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated income statement impact [Line Items]</link:label>
    <link:label id="lab_bbva_ConsolidatedIncomeStatementImpactLineItems_documentation_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidated income statement impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:href="bbva-20221231.xsd#bbva_ConsolidatedIncomeStatementImpactLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:to="lab_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonConvertiblePreferredStockMember_640f5f1c-5376-49a9-a48f-11b96d97c057_terseLabel_en-US" xlink:label="lab_bbva_NonConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non convertible preferred stock [Member]</link:label>
    <link:label id="lab_bbva_NonConvertiblePreferredStockMember_label_en-US" xlink:label="lab_bbva_NonConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non convertible preferred stock [Member]</link:label>
    <link:label id="lab_bbva_NonConvertiblePreferredStockMember_documentation_en-US" xlink:label="lab_bbva_NonConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non convertible preferred stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonConvertiblePreferredStockMember" xlink:href="bbva-20221231.xsd#bbva_NonConvertiblePreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonConvertiblePreferredStockMember" xlink:to="lab_bbva_NonConvertiblePreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems_68db9a44-0fc4-4ac3-9761-ce3dfc4f7df5_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Line Items]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems_label_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Line Items]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksBreakdownByGeographyLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:to="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitPlansExpense_3fe6c657-0ad7-4fc8-9b84-67ef6ea1b036_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitPlansExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit plans expense</link:label>
    <link:label id="lab_bbva_DefinedBenefitPlansExpense_label_en-US" xlink:label="lab_bbva_DefinedBenefitPlansExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit plans expense</link:label>
    <link:label id="lab_bbva_DefinedBenefitPlansExpense_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitPlansExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined benefit plans expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitPlansExpense" xlink:href="bbva-20221231.xsd#bbva_DefinedBenefitPlansExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitPlansExpense" xlink:to="lab_bbva_DefinedBenefitPlansExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAxis_a97b176c-8a0d-4201-8a2f-4c5124bd4405_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Axis]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAxis_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Axis]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAxis_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesAxis" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesAxis" xlink:to="lab_bbva_OtherFinancialLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets_6a23430e-1307-48a9-838c-b12c71d9f12d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease through write-off, financial assets</link:label>
    <link:label id="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease through write-off, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DecreaseThroughWriteoffFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:to="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember_4ac5fec0-86a2-4bc9-9650-34b46bfcf391_terseLabel_en-US" xlink:label="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total common equity tier 1 regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember_label_en-US" xlink:label="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total common equity tier 1 regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total common equity tier 1 regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:href="bbva-20221231.xsd#bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:to="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubtotalListedEquityInstrumentsMember_f539366d-45f1-4d08-925e-a47d406386d0_terseLabel_en-US" xlink:label="lab_bbva_SubtotalListedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal listed equity instruments [Member]</link:label>
    <link:label id="lab_bbva_SubtotalListedEquityInstrumentsMember_label_en-US" xlink:label="lab_bbva_SubtotalListedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal listed equity instruments [Member]</link:label>
    <link:label id="lab_bbva_SubtotalListedEquityInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_SubtotalListedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal listed equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalListedEquityInstrumentsMember" xlink:href="bbva-20221231.xsd#bbva_SubtotalListedEquityInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubtotalListedEquityInstrumentsMember" xlink:to="lab_bbva_SubtotalListedEquityInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis_5445b1a4-ae30-4067-a0b2-9fd1133c119d_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by country [Axis]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis_label_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by country [Axis]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven_0b72eb36-b2de-4e96-b95b-9f2f0a3b6167_terseLabel_en-US" xlink:label="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Discontinued operations in impaired financial assets and guarantees given</link:label>
    <link:label id="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven_label_en-US" xlink:label="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Discontinued operations in impaired financial assets and guarantees given</link:label>
    <link:label id="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Discontinued operations in impaired financial assets and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" xlink:href="bbva-20221231.xsd#bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" xlink:to="lab_bbva_DiscontinuedOperationsInImpairedFinancialAssetsAndGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksLineItems_fcae686d-3793-4af4-bef4-c85274704027_terseLabel_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks [Line Items]</link:label>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksLineItems_label_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks [Line Items]</link:label>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksLineItems_documentation_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedSecuredLoansRisksLineItems" xlink:href="bbva-20221231.xsd#bbva_ImpairedSecuredLoansRisksLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedSecuredLoansRisksLineItems" xlink:to="lab_bbva_ImpairedSecuredLoansRisksLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersOfFinancialAssets_2e987c24-e9b6-4898-8dc9-cd9a37afddfe_terseLabel_en-US" xlink:label="lab_bbva_TransfersOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers of financial assets</link:label>
    <link:label id="lab_bbva_TransfersOfFinancialAssets_label_en-US" xlink:label="lab_bbva_TransfersOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers of financial assets</link:label>
    <link:label id="lab_bbva_TransfersOfFinancialAssets_documentation_en-US" xlink:label="lab_bbva_TransfersOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers of financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersOfFinancialAssets" xlink:href="bbva-20221231.xsd#bbva_TransfersOfFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersOfFinancialAssets" xlink:to="lab_bbva_TransfersOfFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_5848b1d0-dfbe-4401-854a-af43867648e8_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeeAndCommissionIncomeTableTextBlock_9f3edafd-18d3-4e0e-a9e3-cf82cccc0d1d_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeeAndCommissionIncomeTableTextBlock_label_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeeAndCommissionIncomeTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FeeAndCommissionIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:to="lab_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember_240ead58-57c4-4fb1-a206-0f1f923087f2_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivative fair value ineffectiveness [Member]</link:label>
    <link:label id="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember_label_en-US" xlink:label="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivative fair value ineffectiveness [Member]</link:label>
    <link:label id="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivative fair value ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativeFairValueIneffectivenessMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:to="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity_05689136-ee1f-4251-87ad-66919d188f91_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities reclassified into equity</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities reclassified into equity</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity" xlink:to="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsuranceProductCommissions_944512ad-1525-41f2-a01c-1527851147bb_terseLabel_en-US" xlink:label="lab_bbva_InsuranceProductCommissions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance product commissions</link:label>
    <link:label id="lab_bbva_InsuranceProductCommissions_label_en-US" xlink:label="lab_bbva_InsuranceProductCommissions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance product commissions</link:label>
    <link:label id="lab_bbva_InsuranceProductCommissions_documentation_en-US" xlink:label="lab_bbva_InsuranceProductCommissions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance product commissions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceProductCommissions" xlink:href="bbva-20221231.xsd#bbva_InsuranceProductCommissions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceProductCommissions" xlink:to="lab_bbva_InsuranceProductCommissions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_ddd589b5-041d-445a-8831-49b4a6947e8c_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross financial liabilities set off against financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross financial liabilities set off against financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OptionModelsOnIRUnderlyingsMember_8f267ec2-87e6-456a-81c6-355c5050090c_terseLabel_en-US" xlink:label="lab_bbva_OptionModelsOnIRUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on IR underlyings [Member]</link:label>
    <link:label id="lab_bbva_OptionModelsOnIRUnderlyingsMember_label_en-US" xlink:label="lab_bbva_OptionModelsOnIRUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on IR underlyings [Member]</link:label>
    <link:label id="lab_bbva_OptionModelsOnIRUnderlyingsMember_documentation_en-US" xlink:label="lab_bbva_OptionModelsOnIRUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Option models on IR underlyings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OptionModelsOnIRUnderlyingsMember" xlink:href="bbva-20221231.xsd#bbva_OptionModelsOnIRUnderlyingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OptionModelsOnIRUnderlyingsMember" xlink:to="lab_bbva_OptionModelsOnIRUnderlyingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock_03d901ea-fab2-4077-8aa7-0b5b8f265f2f_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of shareholder remuneration system [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of shareholder remuneration system [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of shareholder remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfShareholderRemunerationSystemTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:to="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAssetsMember_3a050508-933d-43b5-b8fc-6141a2a338f9_terseLabel_en-US" xlink:label="lab_bbva_DeferredAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred assets [Member]</link:label>
    <link:label id="lab_bbva_DeferredAssetsMember_label_en-US" xlink:label="lab_bbva_DeferredAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred assets [Member]</link:label>
    <link:label id="lab_bbva_DeferredAssetsMember_documentation_en-US" xlink:label="lab_bbva_DeferredAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAssetsMember" xlink:href="bbva-20221231.xsd#bbva_DeferredAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAssetsMember" xlink:to="lab_bbva_DeferredAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems_48e8d798-4823-4206-8508-65f15cc19ced_terseLabel_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available amount for interim dividend payments [Line Items]</link:label>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems_label_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available amount for interim dividend payments [Line Items]</link:label>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems_documentation_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available amount for interim dividend payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:href="bbva-20221231.xsd#bbva_AvailableAmountForInterimDividendPaymentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:to="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PlanAssetsChangesOfTheYear_428cc163-9b1d-4c1b-b166-0aceb9e68dbb_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets changes of the year</link:label>
    <link:label id="lab_bbva_PlanAssetsChangesOfTheYear_label_en-US" xlink:label="lab_bbva_PlanAssetsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets changes of the year</link:label>
    <link:label id="lab_bbva_PlanAssetsChangesOfTheYear_documentation_en-US" xlink:label="lab_bbva_PlanAssetsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets changes of the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsChangesOfTheYear" xlink:href="bbva-20221231.xsd#bbva_PlanAssetsChangesOfTheYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PlanAssetsChangesOfTheYear" xlink:to="lab_bbva_PlanAssetsChangesOfTheYear" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems_564e5783-debc-4df0-b419-38b27d2bbb99_terseLabel_en-US" xlink:label="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of cash and cash equivalents at the end of the period [Line Items]</link:label>
    <link:label id="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems_label_en-US" xlink:label="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of cash and cash equivalents at the end of the period [Line Items]</link:label>
    <link:label id="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems_documentation_en-US" xlink:label="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of cash and cash equivalents at the end of the period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:href="bbva-20221231.xsd#bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:to="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVABBBMinusRatingMember_adffc153-c9b2-4ed6-bf46-b62ee4454e4e_terseLabel_en-US" xlink:label="lab_bbva_BBVABBBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BBB minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBBMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVABBBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BBB minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBBMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABBBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BBB minus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABBBMinusRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVABBBMinusRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVABBBMinusRatingMember" xlink:to="lab_bbva_BBVABBBMinusRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClosingRangeMember_af9d8ef4-fee0-4e7f-8481-f1e5b2ff8d13_terseLabel_en-US" xlink:label="lab_bbva_ClosingRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Closing range [Member]</link:label>
    <link:label id="lab_bbva_ClosingRangeMember_label_en-US" xlink:label="lab_bbva_ClosingRangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Closing range [Member]</link:label>
    <link:label id="lab_bbva_ClosingRangeMember_documentation_en-US" xlink:label="lab_bbva_ClosingRangeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Closing range</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClosingRangeMember" xlink:href="bbva-20221231.xsd#bbva_ClosingRangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClosingRangeMember" xlink:to="lab_bbva_ClosingRangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DiscountRateSensitivityAnalysisMember_77ccad5c-450a-4a03-9838-df516ee954f6_terseLabel_en-US" xlink:label="lab_bbva_DiscountRateSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Discount rate sensitivity analysis [Member]</link:label>
    <link:label id="lab_bbva_DiscountRateSensitivityAnalysisMember_label_en-US" xlink:label="lab_bbva_DiscountRateSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Discount rate sensitivity analysis [Member]</link:label>
    <link:label id="lab_bbva_DiscountRateSensitivityAnalysisMember_documentation_en-US" xlink:label="lab_bbva_DiscountRateSensitivityAnalysisMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Discount rate sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DiscountRateSensitivityAnalysisMember" xlink:href="bbva-20221231.xsd#bbva_DiscountRateSensitivityAnalysisMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DiscountRateSensitivityAnalysisMember" xlink:to="lab_bbva_DiscountRateSensitivityAnalysisMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_2145f40b-4212-4b9a-b700-3b8734f4481d_terseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post-employment benefit expense, defined benefit plans</link:label>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post-employment benefit expense in profit or loss, defined benefit plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:to="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionExpense_98ecc19f-0c36-4fcb-8c2a-4b7b0ad0cefd_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other fee and commission expense</link:label>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionExpense_label_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other fee and commission expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFeeAndCommissionExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherFeeAndCommissionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherFeeAndCommissionExpense" xlink:to="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgedItemsInFairValueHedgesTable_3804d60b-5fca-4804-9ffc-c3f6b7a6124c_terseLabel_en-US" xlink:label="lab_bbva_HedgedItemsInFairValueHedgesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in fair value hedges [Table]</link:label>
    <link:label id="lab_bbva_HedgedItemsInFairValueHedgesTable_label_en-US" xlink:label="lab_bbva_HedgedItemsInFairValueHedgesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in fair value hedges [Table]</link:label>
    <link:label id="lab_bbva_HedgedItemsInFairValueHedgesTable_documentation_en-US" xlink:label="lab_bbva_HedgedItemsInFairValueHedgesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in fair value hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgedItemsInFairValueHedgesTable" xlink:href="bbva-20221231.xsd#bbva_HedgedItemsInFairValueHedgesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgedItemsInFairValueHedgesTable" xlink:to="lab_bbva_HedgedItemsInFairValueHedgesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember_c8696e6b-c33f-4567-899b-e731261f6861_terseLabel_en-US" xlink:label="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non tradable assets eligible for central banks [Member]</link:label>
    <link:label id="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember_label_en-US" xlink:label="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non tradable assets eligible for central banks [Member]</link:label>
    <link:label id="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember_documentation_en-US" xlink:label="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non tradable assets eligible for central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:href="bbva-20221231.xsd#bbva_NonTradableAssetsEligibleForCentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:to="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_3bb7725e-08fb-4730-995f-86eb56024ea3_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ListOfGroupAndSubsidiariesDomain_710360d0-93e3-4e84-a6a6-00fa90113dcb_terseLabel_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">List of group and subsidiaries [Domain]</link:label>
    <link:label id="lab_bbva_ListOfGroupAndSubsidiariesDomain_label_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">List of group and subsidiaries [Domain]</link:label>
    <link:label id="lab_bbva_ListOfGroupAndSubsidiariesDomain_documentation_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">List of group and subsidiaries</link:label>
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    <link:label id="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems_b8befc2e-ac32-45d0-b07f-6af1f3f82b99_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of external credit grades [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of external credit grades [line items]</link:label>
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    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract_label_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:href="bbva-20221231.xsd#bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract"/>
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    <link:label id="lab_bbva_SusanaRodriguezVidarteMember_9b2a804f-bc55-47ec-ba27-6cb594de3760_terseLabel_en-US" xlink:label="lab_bbva_SusanaRodriguezVidarteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Susana Rodriguez Vidarte [Member]</link:label>
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    <link:label id="lab_bbva_VaRByRiskFactorLineItems_abd23d2b-a338-4d49-9f5b-ad71c06a5a82_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Line Items]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorLineItems_label_en-US" xlink:label="lab_bbva_VaRByRiskFactorLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Line Items]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorLineItems_documentation_en-US" xlink:label="lab_bbva_VaRByRiskFactorLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
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    <link:label id="lab_dei_EntityFileNumber_f276e0d2-bd94-4c04-bb0e-f861857c46c9_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain_2205068f-33f7-47dd-b33e-36ad4a8a98de_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Domain]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Domain]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FloatingInterestRateMember_83e0808f-2c99-49ab-99ab-5187804bbe05_terseLabel_en-US" xlink:label="lab_ifrs-full_FloatingInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Floating interest rate [member]</link:label>
    <link:label id="lab_ifrs-full_FloatingInterestRateMember_label_en-US" xlink:label="lab_ifrs-full_FloatingInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Floating interest rate [member]</link:label>
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    <link:label id="lab_bbva_CommonStockAbstract_label_en-US" xlink:label="lab_bbva_CommonStockAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common Stock [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommonStockAbstract" xlink:href="bbva-20221231.xsd#bbva_CommonStockAbstract"/>
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    <link:label id="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract_6748ec73-b003-4811-a55b-8d295a36c10c_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Abstract]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract_label_en-US" xlink:label="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Abstract]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Abstract]</link:label>
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    <link:label id="lab_bbva_TreasurySharesChangesOfTheYearAxis_bdf8a5ac-c73a-4b43-953e-f7eb7170b3f6_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesChangesOfTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares changes of the year [Axis]</link:label>
    <link:label id="lab_bbva_TreasurySharesChangesOfTheYearAxis_label_en-US" xlink:label="lab_bbva_TreasurySharesChangesOfTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares changes of the year [Axis]</link:label>
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    <link:label id="lab_bbva_OfWhichInterestRateCashFlowHedgesMember_a6cc73b2-6a94-485d-88f4-add39bbf6dbd_terseLabel_en-US" xlink:label="lab_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which interest rate cash flow hedges [Member]</link:label>
    <link:label id="lab_bbva_OfWhichInterestRateCashFlowHedgesMember_label_en-US" xlink:label="lab_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which interest rate cash flow hedges [Member]</link:label>
    <link:label id="lab_bbva_OfWhichInterestRateCashFlowHedgesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which interest rate cash flow hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichInterestRateCashFlowHedgesMember"/>
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    <link:label id="lab_bbva_AmortizedCostOfDebtSecurities_654e7230-a8bd-4ccc-9dce-442ae18db9bb_terseLabel_en-US" xlink:label="lab_bbva_AmortizedCostOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortized cost of debt securities</link:label>
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    <link:label id="lab_bbva_AmortizedCostOfDebtSecurities_documentation_en-US" xlink:label="lab_bbva_AmortizedCostOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortized cost of debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmortizedCostOfDebtSecurities" xlink:href="bbva-20221231.xsd#bbva_AmortizedCostOfDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmortizedCostOfDebtSecurities" xlink:to="lab_bbva_AmortizedCostOfDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpenseAbstract_7d1a8777-455f-4476-aa0e-6772078f865a_terseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation and amortisation expense [abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DepreciationAndAmortisationExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:to="lab_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost_caf3c79b-7e01-42fe-bf28-3245c543133e_terseLabel_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost</link:label>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost</link:label>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_ImpairedLoansAndAdvancesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:to="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasisPointVariationDomain_06bb543a-e985-45fe-82cc-2cd8b588fdcc_terseLabel_en-US" xlink:label="lab_bbva_BasisPointVariationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis point variation [Domain]</link:label>
    <link:label id="lab_bbva_BasisPointVariationDomain_label_en-US" xlink:label="lab_bbva_BasisPointVariationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis point variation [Domain]</link:label>
    <link:label id="lab_bbva_BasisPointVariationDomain_documentation_en-US" xlink:label="lab_bbva_BasisPointVariationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis point variation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointVariationDomain" xlink:href="bbva-20221231.xsd#bbva_BasisPointVariationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasisPointVariationDomain" xlink:to="lab_bbva_BasisPointVariationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsTable_2a738f03-62fc-47f0-adfc-d8834b562555_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Table]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsTable_label_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Table]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsTable_documentation_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsTable" xlink:href="bbva-20221231.xsd#bbva_EncumberedAndUnencumberedAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EncumberedAndUnencumberedAssetsTable" xlink:to="lab_bbva_EncumberedAndUnencumberedAssetsTable" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_ProvisionsForCommitmentsAndContingentRisks_label_en-US" xlink:label="lab_bbva_ProvisionsForCommitmentsAndContingentRisks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions For Commitments and Contingent Risks</link:label>
    <link:label id="lab_bbva_ProvisionsForCommitmentsAndContingentRisks_documentation_en-US" xlink:label="lab_bbva_ProvisionsForCommitmentsAndContingentRisks" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions For Commitments and Contingent Risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsForCommitmentsAndContingentRisks" xlink:href="bbva-20221231.xsd#bbva_ProvisionsForCommitmentsAndContingentRisks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsForCommitmentsAndContingentRisks" xlink:to="lab_bbva_ProvisionsForCommitmentsAndContingentRisks" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MacroeconomicVariablesLineItems_5f203c47-36b8-4caa-bf14-f2c77c9600cb_terseLabel_en-US" xlink:label="lab_bbva_MacroeconomicVariablesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Macroeconomic variables [Line Items]</link:label>
    <link:label id="lab_bbva_MacroeconomicVariablesLineItems_label_en-US" xlink:label="lab_bbva_MacroeconomicVariablesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Macroeconomic variables [Line Items]</link:label>
    <link:label id="lab_bbva_MacroeconomicVariablesLineItems_documentation_en-US" xlink:label="lab_bbva_MacroeconomicVariablesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Macroeconomic variables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MacroeconomicVariablesLineItems" xlink:href="bbva-20221231.xsd#bbva_MacroeconomicVariablesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MacroeconomicVariablesLineItems" xlink:to="lab_bbva_MacroeconomicVariablesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems_298dad5f-f062-428c-9fdd-be45288d82d3_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts removed from equity and included in carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged highly probable forecast transaction, net of tax</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts removed from equity and included in carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged highly probable forecast transaction, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" xlink:to="lab_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion_be88a274-8d83-428a-afe6-4ab7ae5c26f5_terseLabel_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge of net investments in foreign operations effective portion</link:label>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion_label_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge of net investments in foreign operations effective portion</link:label>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion_documentation_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge of net investments in foreign operations effective portion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" xlink:href="bbva-20221231.xsd#bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" xlink:to="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis_ccbe03fa-83e7-44d9-a9c1-94fa97090f99_terseLabel_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional maturities of the hedging instruments [Axis]</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis_label_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional maturities of the hedging instruments [Axis]</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:to="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LCRMainLMUTable_9a1a511c-97eb-4e5c-babf-bb4977abf1a7_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Table]</link:label>
    <link:label id="lab_bbva_LCRMainLMUTable_label_en-US" xlink:label="lab_bbva_LCRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Table]</link:label>
    <link:label id="lab_bbva_LCRMainLMUTable_documentation_en-US" xlink:label="lab_bbva_LCRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMUTable" xlink:href="bbva-20221231.xsd#bbva_LCRMainLMUTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LCRMainLMUTable" xlink:to="lab_bbva_LCRMainLMUTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock_0d50235a-beca-4cd0-bd17-3c5e9500f3ef_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for treasury shares [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for treasury shares [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForTreasurySharesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionsTransferToDiscontinuedOperations_6db17db9-1186-4b57-8291-b724d525a80e_terseLabel_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions transfer to discontinued operations</link:label>
    <link:label id="lab_bbva_AdditionsTransferToDiscontinuedOperations_label_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions transfer to discontinued operations</link:label>
    <link:label id="lab_bbva_AdditionsTransferToDiscontinuedOperations_documentation_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions transfer to discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsTransferToDiscontinuedOperations" xlink:href="bbva-20221231.xsd#bbva_AdditionsTransferToDiscontinuedOperations"/>
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    <link:label id="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost_b8a74fad-a5ac-46fb-aebb-814ddbca975f_negatedTerseLabel_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment financial assets measured at cost</link:label>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost_label_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment financial assets measured at cost</link:label>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost_documentation_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment financial assets measured at cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentFinancialAssetsMeasuredAtCost" xlink:href="bbva-20221231.xsd#bbva_ImpairmentFinancialAssetsMeasuredAtCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentFinancialAssetsMeasuredAtCost" xlink:to="lab_bbva_ImpairmentFinancialAssetsMeasuredAtCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfTreasurySharesTextBlock_b8fa7070-060b-4289-81cd-43ff1f181c41_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTreasurySharesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Treasury shares [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfTreasurySharesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfTreasurySharesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Treasury shares [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfTreasurySharesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfTreasurySharesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfTreasurySharesTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfTreasurySharesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfTreasurySharesTextBlock" xlink:to="lab_bbva_DisclosureOfTreasurySharesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates_c72dd851-501e-4b93-a4c4-c59ac636abd5_terseLabel_en-US" xlink:label="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal other reserves or accumulated losses of investments in joint ventures and associates</link:label>
    <link:label id="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates_label_en-US" xlink:label="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal other reserves or accumulated losses of investments in joint ventures and associates</link:label>
    <link:label id="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates_documentation_en-US" xlink:label="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal other reserves or accumulated losses of investments in joint ventures and associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" xlink:href="bbva-20221231.xsd#bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" xlink:to="lab_bbva_SubtotalOtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HouseholdsMember_ad350e2b-8512-4df6-bf14-36b7d20b061e_terseLabel_en-US" xlink:label="lab_bbva_HouseholdsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Households [Member]</link:label>
    <link:label id="lab_bbva_HouseholdsMember_label_en-US" xlink:label="lab_bbva_HouseholdsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Households [Member]</link:label>
    <link:label id="lab_bbva_HouseholdsMember_documentation_en-US" xlink:label="lab_bbva_HouseholdsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Households</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HouseholdsMember" xlink:href="bbva-20221231.xsd#bbva_HouseholdsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HouseholdsMember" xlink:to="lab_bbva_HouseholdsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherSectorsMember_afdafa5f-dcf5-4465-8144-8cb1ae9008b4_terseLabel_en-US" xlink:label="lab_bbva_OtherSectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other sectors [Member]</link:label>
    <link:label id="lab_bbva_OtherSectorsMember_label_en-US" xlink:label="lab_bbva_OtherSectorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other sectors [Member]</link:label>
    <link:label id="lab_bbva_OtherSectorsMember_documentation_en-US" xlink:label="lab_bbva_OtherSectorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other sectors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherSectorsMember" xlink:href="bbva-20221231.xsd#bbva_OtherSectorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherSectorsMember" xlink:to="lab_bbva_OtherSectorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomers_b64e16da-65fd-47e5-82de-9a70eac39e86_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomers_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToCustomers" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LoansAndAdvancesToCustomers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToCustomers" xlink:to="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember_9b98e7ee-6988-4c54-8108-397abefd692f_terseLabel_en-US" xlink:label="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA allianz seguros y reaseguros SA [Member]</link:label>
    <link:label id="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember_label_en-US" xlink:label="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Allianz Seguros y Reaseguros SA [Member]</link:label>
    <link:label id="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember_documentation_en-US" xlink:label="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Allianz Seguros y Reaseguros SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:href="bbva-20221231.xsd#bbva_BBVAAllianzSegurosYReasegurosSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:to="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TechnologyAndCybersecurityCommitteeMember_a47895b4-6032-4034-900c-fc1c949dba33_terseLabel_en-US" xlink:label="lab_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Technology And Cybersecurity Committee [Member]</link:label>
    <link:label id="lab_bbva_TechnologyAndCybersecurityCommitteeMember_label_en-US" xlink:label="lab_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Technology And Cybersecurity Committee [Member]</link:label>
    <link:label id="lab_bbva_TechnologyAndCybersecurityCommitteeMember_documentation_en-US" xlink:label="lab_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Technology And Cybersecurity Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:href="bbva-20221231.xsd#bbva_TechnologyAndCybersecurityCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:to="lab_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichOTCOtherMember_0ac9d70f-65f9-4f1a-8c0c-6375165325a1_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOTCOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC other [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOTCOtherMember_label_en-US" xlink:label="lab_bbva_OfWhichOTCOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC other [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOTCOtherMember_documentation_en-US" xlink:label="lab_bbva_OfWhichOTCOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOTCOtherMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichOTCOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichOTCOtherMember" xlink:to="lab_bbva_OfWhichOTCOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable_4a16f4db-8434-4d8d-ac37-86354affaa99_terseLabel_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees of the Group [Table]</link:label>
    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable_label_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees of the Group [Table]</link:label>
    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable_documentation_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees of the Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable" xlink:href="bbva-20221231.xsd#bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable" xlink:to="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Total_f9735782-07d5-4f18-b9d9-a825e227647d_periodStartLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 total</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Total_999e6714-1cec-4edf-b4f5-295c250a0224_periodEndLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 total</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Total_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 total</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Total_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3Total" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsLevel3Total"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3Total" xlink:to="lab_bbva_FinancialInstrumentsLevel3Total" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAUruguayGroupMember_3a90a108-9be3-474d-9c4a-c3bd999e461a_terseLabel_en-US" xlink:label="lab_bbva_BBVAUruguayGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Uruguay Group [Member]</link:label>
    <link:label id="lab_bbva_BBVAUruguayGroupMember_label_en-US" xlink:label="lab_bbva_BBVAUruguayGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Uruguay Group [Member]</link:label>
    <link:label id="lab_bbva_BBVAUruguayGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVAUruguayGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Uruguay Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAUruguayGroupMember" xlink:href="bbva-20221231.xsd#bbva_BBVAUruguayGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAUruguayGroupMember" xlink:to="lab_bbva_BBVAUruguayGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments_451f53bd-a7ec-4f9b-a9bc-c4848d3ecfa3_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through conversion of convertible instruments, equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through conversion of convertible instruments, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfDebtSecurities_a00cd6db-dbea-40cc-acfa-0cb69f4e6807_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of debt securities</link:label>
    <link:label id="lab_bbva_FairValueOfDebtSecurities_label_en-US" xlink:label="lab_bbva_FairValueOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of debt securities</link:label>
    <link:label id="lab_bbva_FairValueOfDebtSecurities_documentation_en-US" xlink:label="lab_bbva_FairValueOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfDebtSecurities" xlink:href="bbva-20221231.xsd#bbva_FairValueOfDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfDebtSecurities" xlink:to="lab_bbva_FairValueOfDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis_ca65461d-1d1c-4235-a2f9-785fa743ecae_terseLabel_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown of debt securities by credit rating [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis_label_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown of debt securities by credit rating [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis_documentation_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown of debt securities by credit rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:href="bbva-20221231.xsd#bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:to="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubtotalAssetsByOperatingSegmentsMember_48e0c8ce-59aa-4436-86f7-ad367ed735ac_terseLabel_en-US" xlink:label="lab_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal assets by operating segments [Member]</link:label>
    <link:label id="lab_bbva_SubtotalAssetsByOperatingSegmentsMember_label_en-US" xlink:label="lab_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal assets by operating segments [Member]</link:label>
    <link:label id="lab_bbva_SubtotalAssetsByOperatingSegmentsMember_documentation_en-US" xlink:label="lab_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subtotal assets by operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:href="bbva-20221231.xsd#bbva_SubtotalAssetsByOperatingSegmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:to="lab_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities_9614afd9-9881-47c5-99e8-9d1fffb76535_negatedTerseLabel_en-US" xlink:label="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Outflows Of Cash Classified As Financing Activities</link:label>
    <link:label id="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Outflows Of Cash Classified As Financing Activities</link:label>
    <link:label id="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities_documentation_en-US" xlink:label="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Outflows Of Cash Classified As Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:href="bbva-20221231.xsd#bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:to="lab_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuritiesLocationByCountryAxis_ec5a4a41-6ff4-474f-929b-f6ba4fed20d5_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities location by country [Axis]</link:label>
    <link:label id="lab_bbva_SecuritiesLocationByCountryAxis_label_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities location by country [Axis]</link:label>
    <link:label id="lab_bbva_SecuritiesLocationByCountryAxis_documentation_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities location by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritiesLocationByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_SecuritiesLocationByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuritiesLocationByCountryAxis" xlink:to="lab_bbva_SecuritiesLocationByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarkets_22b376ab-958d-47f0-9e97-24ef5bc726a4_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarkets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarkets_label_en-US" xlink:label="lab_bbva_InvestmentInListedMarkets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarkets_documentation_en-US" xlink:label="lab_bbva_InvestmentInListedMarkets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarkets" xlink:href="bbva-20221231.xsd#bbva_InvestmentInListedMarkets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentInListedMarkets" xlink:to="lab_bbva_InvestmentInListedMarkets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners_6690a162-1a0b-4ff6-9481-c39b2efba19c_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through transactions with owners, equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through transactions with owners, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseByOriginLineItems_251c6c4d-1ed7-49ad-b240-4c49b15c89d1_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense by origin [Line Items]</link:label>
    <link:label id="lab_bbva_InterestExpenseByOriginLineItems_label_en-US" xlink:label="lab_bbva_InterestExpenseByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense by origin [Line Items]</link:label>
    <link:label id="lab_bbva_InterestExpenseByOriginLineItems_documentation_en-US" xlink:label="lab_bbva_InterestExpenseByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseByOriginLineItems" xlink:href="bbva-20221231.xsd#bbva_InterestExpenseByOriginLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseByOriginLineItems" xlink:to="lab_bbva_InterestExpenseByOriginLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRByRiskFactorTable_9f8c622b-02e9-4721-8e69-4aac6d42e396_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Table]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorTable_label_en-US" xlink:label="lab_bbva_VaRByRiskFactorTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor [Table]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorTable_documentation_en-US" xlink:label="lab_bbva_VaRByRiskFactorTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorTable" xlink:href="bbva-20221231.xsd#bbva_VaRByRiskFactorTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRByRiskFactorTable" xlink:to="lab_bbva_VaRByRiskFactorTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RetailMember_bf9b10a2-8071-4273-8f61-cacec7a2225d_terseLabel_en-US" xlink:label="lab_bbva_RetailMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retail [Member]</link:label>
    <link:label id="lab_bbva_RetailMember_label_en-US" xlink:label="lab_bbva_RetailMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retail [Member]</link:label>
    <link:label id="lab_bbva_RetailMember_documentation_en-US" xlink:label="lab_bbva_RetailMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetailMember" xlink:href="bbva-20221231.xsd#bbva_RetailMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetailMember" xlink:to="lab_bbva_RetailMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage_dceef5d8-73c0-42b0-84b3-a2524d6835f7_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income For Adjustment Interest On Accounting Coverage</link:label>
    <link:label id="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage_label_en-US" xlink:label="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income For Adjustment Interest On Accounting Coverage</link:label>
    <link:label id="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage_documentation_en-US" xlink:label="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income For Adjustment Interest On Accounting Coverage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:to="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A11To39Member_86447299-e02e-46c4-9631-e61571e4a012_terseLabel_en-US" xlink:label="lab_bbva_A11To39Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">11 to 39 [Member]</link:label>
    <link:label id="lab_bbva_A11To39Member_label_en-US" xlink:label="lab_bbva_A11To39Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">11 to 39 [Member]</link:label>
    <link:label id="lab_bbva_A11To39Member_documentation_en-US" xlink:label="lab_bbva_A11To39Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">11 to 39</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A11To39Member" xlink:href="bbva-20221231.xsd#bbva_A11To39Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A11To39Member" xlink:to="lab_bbva_A11To39Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfTangibleAssetsTextBlock_36d287ac-338e-415c-997f-8ce7e2d6ddc6_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of tangible assets [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfTangibleAssetsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of tangible assets [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfTangibleAssetsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfTangibleAssetsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:to="lab_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherRiskMember_a2069f0c-8ba5-4730-b8f6-8f6464006872_terseLabel_en-US" xlink:label="lab_bbva_OtherRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other risk [Member]</link:label>
    <link:label id="lab_bbva_OtherRiskMember_label_en-US" xlink:label="lab_bbva_OtherRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other risk [Member]</link:label>
    <link:label id="lab_bbva_OtherRiskMember_documentation_en-US" xlink:label="lab_bbva_OtherRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherRiskMember" xlink:href="bbva-20221231.xsd#bbva_OtherRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherRiskMember" xlink:to="lab_bbva_OtherRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome_f6d6b26a-9e24-41ba-b826-f759f7953811_terseLabel_en-US" xlink:label="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Portfolio and other management fee income</link:label>
    <link:label id="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome_label_en-US" xlink:label="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Portfolio and other management fee income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PortfolioAndOtherManagementFeeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:to="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DebtSecurities_aedc1c0b-f6e2-4a9a-8aad-0666a3dbe386_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt instruments issued</link:label>
    <link:label id="lab_ifrs-full_DebtSecurities_label_en-US" xlink:label="lab_ifrs-full_DebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt instruments issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtSecurities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DebtSecurities" xlink:to="lab_ifrs-full_DebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ComponentsOfEquityTreasuryStockLineItems_08c83512-c759-4e47-94d7-1198e24309e1_terseLabel_en-US" xlink:label="lab_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of equity treasury stock [Line Items]</link:label>
    <link:label id="lab_bbva_ComponentsOfEquityTreasuryStockLineItems_label_en-US" xlink:label="lab_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of equity treasury stock [Line Items]</link:label>
    <link:label id="lab_bbva_ComponentsOfEquityTreasuryStockLineItems_documentation_en-US" xlink:label="lab_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of equity treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:href="bbva-20221231.xsd#bbva_ComponentsOfEquityTreasuryStockLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:to="lab_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems_e90f0cf9-e498-4078-bb22-831dcfb4bab1_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other administrative expense [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other administrative expense [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Other administrative expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfOtherAdministrativeExpenseLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:to="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems_5c290e8e-99d5-4fc8-a1bd-58873bd89e8a_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:to="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterimDividendsMember_24485bcf-c70e-45aa-9268-dc1c96ac92d3_terseLabel_en-US" xlink:label="lab_bbva_InterimDividendsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends [Member]</link:label>
    <link:label id="lab_bbva_InterimDividendsMember_label_en-US" xlink:label="lab_bbva_InterimDividendsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends [Member]</link:label>
    <link:label id="lab_bbva_InterimDividendsMember_documentation_en-US" xlink:label="lab_bbva_InterimDividendsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterimDividendsMember" xlink:href="bbva-20221231.xsd#bbva_InterimDividendsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterimDividendsMember" xlink:to="lab_bbva_InterimDividendsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryDomain_058ea0b3-43ab-4f70-9be0-846263a261b5_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments by country [Domain]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryDomain_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments by country [Domain]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryDomain_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPaymentsByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:to="lab_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_0c119c3c-99ed-45f1-9b34-eb5e2a91d23e_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Currency risk [member]</link:label>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_label_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Currency risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrencyRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CurrencyRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrencyRiskMember" xlink:to="lab_ifrs-full_CurrencyRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTable_c7063876-f4ae-4af4-9a32-994020a14fcf_terseLabel_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary [Table]</link:label>
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    <link:label id="lab_bbva_TaxRecognizedInTotalEquity_e7b52fb9-1d6a-492e-ab3a-5985aa66b24f_terseLabel_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity</link:label>
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    <link:label id="lab_bbva_MarketValueMember_a2f13cff-7f73-4656-95b9-323cfe8a0eb4_terseLabel_en-US" xlink:label="lab_bbva_MarketValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Market value [Member]</link:label>
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    <link:label id="lab_bbva_MarketValueMember_documentation_en-US" xlink:label="lab_bbva_MarketValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Market value</link:label>
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    <link:label id="lab_bbva_OtherTermLoansMember_5b433506-d882-417d-b8cb-8db25560b61d_terseLabel_en-US" xlink:label="lab_bbva_OtherTermLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other term loans [Member]</link:label>
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    <link:label id="lab_bbva_OtherTermLoansMember_documentation_en-US" xlink:label="lab_bbva_OtherTermLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other term loans</link:label>
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    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost_80d5c2d6-fae6-4873-a15d-ca78fdec9116_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
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    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostTable_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostTable" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtAmortisedCostTable"/>
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    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems_824f5b89-a281-4a90-9f8b-fc25dd6508c9_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries [Line Items]</link:label>
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    <link:label id="lab_bbva_TotalLoansAndAdvancesByProductsMember_f057d7b6-d357-479f-9617-01fdf87c38e0_terseLabel_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesByProductsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and advances by products [Member]</link:label>
    <link:label id="lab_bbva_TotalLoansAndAdvancesByProductsMember_label_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesByProductsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and advances by products [Member]</link:label>
    <link:label id="lab_bbva_TotalLoansAndAdvancesByProductsMember_documentation_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesByProductsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and advances by products</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalLoansAndAdvancesByProductsMember" xlink:href="bbva-20221231.xsd#bbva_TotalLoansAndAdvancesByProductsMember"/>
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    <link:label id="lab_bbva_Stage1And2Member_4cdf19db-ce28-4bcf-a113-6cc76468e24f_terseLabel_en-US" xlink:label="lab_bbva_Stage1And2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stage 1 and 2 [Member]</link:label>
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    <link:label id="lab_bbva_Stage1And2Member_documentation_en-US" xlink:label="lab_bbva_Stage1And2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stage 1 and 2</link:label>
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    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis_e3546590-4bb4-4c9e-9ba2-0839e918287c_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration from previous years senior management [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:href="bbva-20221231.xsd#bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember"/>
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    <link:label id="lab_ifrs-full_DisclosureOfReservesWithinEquityAbstract_9599e95b-71ad-4415-87a1-010ec443deb2_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of reserves within equity [abstract]</link:label>
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    <link:label id="lab_bbva_TotalCashReceivedFromNonCurrentAssetsAndLiabilitiesForSale_3d94df4b-6f3a-4cf9-b10d-0c95628d65e2_terseLabel_en-US" xlink:label="lab_bbva_TotalCashReceivedFromNonCurrentAssetsAndLiabilitiesForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total cash received from non current assets and liabilities for sale</link:label>
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    <link:label id="lab_bbva_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock_cc679dfe-0423-4ff9-8330-3d10d99192f6_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for share based payment transactions [Policy Text Block]</link:label>
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    <link:label id="lab_bbva_A2021Member_56684f0c-634b-41e9-8bbf-b7796a66ef75_terseLabel_en-US" xlink:label="lab_bbva_A2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021 [Member]</link:label>
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    <link:label id="lab_bbva_A2021Member_documentation_en-US" xlink:label="lab_bbva_A2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2021Member" xlink:href="bbva-20221231.xsd#bbva_A2021Member"/>
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    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets_8a84ddd5-2e8a-44eb-97aa-ef741eb08ba0_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through other movements, financial assets</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through other movements, financial assets</link:label>
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    <link:label id="lab_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale_05e7315f-7833-48b6-99ae-4e94300233b3_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification adjustments on non current assets held for sale</link:label>
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    <link:label id="lab_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification adjustments on non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" xlink:href="bbva-20221231.xsd#bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepositsFromBanks_a275f12c-3183-4e49-a0ef-6775d9b1b7a2_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks</link:label>
    <link:label id="lab_ifrs-full_DepositsFromBanks_label_en-US" xlink:label="lab_ifrs-full_DepositsFromBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsFromBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DepositsFromBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsFromBanks" xlink:to="lab_ifrs-full_DepositsFromBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitments_b89891a3-f4c2-4e45-991b-5bec741c1838_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitments_7660cbb2-5810-4e4e-9296-4476822446e5_periodStartLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitments" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitments_0bee6f86-b6ec-4d98-842f-6d5f7f9cc30b_periodEndLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitments" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitments_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitments_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitments" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitments" xlink:to="lab_bbva_MedicalBenefitsCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier2BeforeRegulatoryAdjustmentsMember_3eaf1ab4-bb41-4497-86f8-e79232585e8e_terseLabel_en-US" xlink:label="lab_bbva_Tier2BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 before regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_Tier2BeforeRegulatoryAdjustmentsMember_label_en-US" xlink:label="lab_bbva_Tier2BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 before regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_Tier2BeforeRegulatoryAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_Tier2BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 2 before regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2BeforeRegulatoryAdjustmentsMember" xlink:href="bbva-20221231.xsd#bbva_Tier2BeforeRegulatoryAdjustmentsMember"/>
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    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis_4da50999-ea43-49a8-a3d7-20bd516ded93_terseLabel_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of the Group by operating segments [Axis]</link:label>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis_label_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of the Group by operating segments [Axis]</link:label>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis_documentation_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of the Group by operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsOfTheGroupByOperatingSegmentsAxis" xlink:href="bbva-20221231.xsd#bbva_AssetsOfTheGroupByOperatingSegmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsOfTheGroupByOperatingSegmentsAxis" xlink:to="lab_bbva_AssetsOfTheGroupByOperatingSegmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxOthers_c2335c15-f9cc-45e4-b55f-35fe1815d5ce_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxOthers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax others</link:label>
    <link:label id="lab_bbva_DeferredTaxOthers_label_en-US" xlink:label="lab_bbva_DeferredTaxOthers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax others</link:label>
    <link:label id="lab_bbva_DeferredTaxOthers_documentation_en-US" xlink:label="lab_bbva_DeferredTaxOthers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax others</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxOthers" xlink:href="bbva-20221231.xsd#bbva_DeferredTaxOthers"/>
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    <link:label id="lab_bbva_AgricultureForestyAndFishingMember_2c4b0f68-5260-4478-8244-a22107d614b1_terseLabel_en-US" xlink:label="lab_bbva_AgricultureForestyAndFishingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Agriculture foresty and fishing [Member]</link:label>
    <link:label id="lab_bbva_AgricultureForestyAndFishingMember_label_en-US" xlink:label="lab_bbva_AgricultureForestyAndFishingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Agriculture foresty and fishing [Member]</link:label>
    <link:label id="lab_bbva_AgricultureForestyAndFishingMember_documentation_en-US" xlink:label="lab_bbva_AgricultureForestyAndFishingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Agriculture foresty and fishing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AgricultureForestyAndFishingMember" xlink:href="bbva-20221231.xsd#bbva_AgricultureForestyAndFishingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AgricultureForestyAndFishingMember" xlink:to="lab_bbva_AgricultureForestyAndFishingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_922156ef-823e-495c-836d-c8479b457f37_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments for decrease (increase) in financial assets held for trading</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments for decrease (increase) in financial assets held for trading</link:label>
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    <link:label id="lab_bbva_LoanCommitmentsGivenRelatedPartyTransactions_1ce782bc-3118-4cf0-878b-71789caffd84_terseLabel_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan commitments given related party transactions</link:label>
    <link:label id="lab_bbva_LoanCommitmentsGivenRelatedPartyTransactions_label_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan commitments given related party transactions</link:label>
    <link:label id="lab_bbva_LoanCommitmentsGivenRelatedPartyTransactions_documentation_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan commitments given related party transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoanCommitmentsGivenRelatedPartyTransactions" xlink:href="bbva-20221231.xsd#bbva_LoanCommitmentsGivenRelatedPartyTransactions"/>
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    <link:label id="lab_bbva_NominalValueOfSharesOfBBVAAcceptedInPledge_8d07b9b4-9a72-414f-8812-956e7afe58e4_terseLabel_en-US" xlink:label="lab_bbva_NominalValueOfSharesOfBBVAAcceptedInPledge" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nominal value of shares of BBVA accepted in pledge</link:label>
    <link:label id="lab_bbva_NominalValueOfSharesOfBBVAAcceptedInPledge_label_en-US" xlink:label="lab_bbva_NominalValueOfSharesOfBBVAAcceptedInPledge" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nominal value of shares of BBVA accepted in pledge</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_NominalValueOfSharesOfBBVAAcceptedInPledge" xlink:href="bbva-20221231.xsd#bbva_NominalValueOfSharesOfBBVAAcceptedInPledge"/>
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    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_245bfb98-b447-41c9-890a-62d262751d05_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income tax relating to components of other comprehensive income that will be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_a532fc04-b586-4569-911a-11a882513756_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities Financial Assets At Fair Value Through Other Comprehensive Income</link:label>
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    <link:label id="lab_dei_DocumentFiscalYearFocus_5683ca68-49ac-4eb4-8439-c9438232db0e_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Fiscal Year Focus</link:label>
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    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_e0238848-6cd8-4620-a905-f56990b8ea8e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income taxes paid (refund), classified as operating activities</link:label>
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    <link:label id="lab_bbva_SecuritiesPortfolioSettlementMember_c9fd58f7-d9f6-4ff2-a7d3-eb592eefb013_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesPortfolioSettlementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities portfolio settlement [Member]</link:label>
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    <link:label id="lab_bbva_SecuritiesPortfolioSettlementMember_documentation_en-US" xlink:label="lab_bbva_SecuritiesPortfolioSettlementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities portfolio settlement</link:label>
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    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_b3fec57a-196f-4864-9047-4ffefb4c353e_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) before tax</link:label>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_b368ff00-c0a2-4afb-b040-406d0eed251a_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) before tax</link:label>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit (loss) before tax</link:label>
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    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract_label_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non trading financial assets mandatorily at fair value through profit or loss [Abstract]</link:label>
    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract_documentation_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non trading financial assets mandatorily at fair value through profit or loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" xlink:href="bbva-20221231.xsd#bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" xlink:to="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems_9aa107b7-86bf-4ea4-9869-eaed3178acf1_terseLabel_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend Income Breakdown By Headline [Line Items]</link:label>
    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems_label_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend Income Breakdown By Headline [Line Items]</link:label>
    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems_documentation_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend Income Breakdown By Headline</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:href="bbva-20221231.xsd#bbva_DividendIncomeBreakdownByHeadlineLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:to="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems_afdebe3c-602f-40ed-8613-e0fdffec59ae_terseLabel_en-US" xlink:label="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes over the year of provisions for taxes, legal contingencies and other provisions [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems_label_en-US" xlink:label="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes over the year of provisions for taxes, legal contingencies and other provisions [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems_documentation_en-US" xlink:label="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes over the year of provisions for taxes, legal contingencies and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" xlink:href="bbva-20221231.xsd#bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" xlink:to="lab_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_StockMarketRiskMember_092bd015-bf5f-45c5-b080-cbf87daa5ae6_terseLabel_en-US" xlink:label="lab_bbva_StockMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock market risk [Member]</link:label>
    <link:label id="lab_bbva_StockMarketRiskMember_label_en-US" xlink:label="lab_bbva_StockMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock market risk [Member]</link:label>
    <link:label id="lab_bbva_StockMarketRiskMember_documentation_en-US" xlink:label="lab_bbva_StockMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock market risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_StockMarketRiskMember" xlink:href="bbva-20221231.xsd#bbva_StockMarketRiskMember"/>
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    <link:label id="lab_bbva_MedicalBenefitsCommitmentsDomain_70d1367f-4a37-4a42-9468-8738ac4136e8_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Domain]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsDomain_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Domain]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsDomain_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsDomain" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsDomain"/>
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    <link:label id="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities_41f70d6c-77d7-43fd-b7c0-f477b3add9fa_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from sales of intangible assets</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from sales of intangible assets, classified as investing activities</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVABancomerGroupMember_1dc81941-daa8-420b-8b19-cc06d8177c11_terseLabel_en-US" xlink:label="lab_bbva_BBVABancomerGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Bancomer group [Member]</link:label>
    <link:label id="lab_bbva_BBVABancomerGroupMember_label_en-US" xlink:label="lab_bbva_BBVABancomerGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Bancomer group [Member]</link:label>
    <link:label id="lab_bbva_BBVABancomerGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVABancomerGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Bancomer group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABancomerGroupMember" xlink:href="bbva-20221231.xsd#bbva_BBVABancomerGroupMember"/>
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    <link:label id="lab_bbva_RecoveryRate_b3586155-3d43-40d4-84c1-d4fc04bf9cdd_terseLabel_en-US" xlink:label="lab_bbva_RecoveryRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Recovery rate</link:label>
    <link:label id="lab_bbva_RecoveryRate_label_en-US" xlink:label="lab_bbva_RecoveryRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Recovery rate</link:label>
    <link:label id="lab_bbva_RecoveryRate_documentation_en-US" xlink:label="lab_bbva_RecoveryRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Recovery rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RecoveryRate" xlink:href="bbva-20221231.xsd#bbva_RecoveryRate"/>
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    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain_c860fb56-a145-4bba-9491-22125e6cb20a_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain" xlink:to="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_c84a91cc-1985-489f-9560-73573b9a5cdf_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive income, attributable to non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive income, attributable to non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:to="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems_03128692-2239-4cdf-b762-2b9445f75400_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management [Line Items]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems_label_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management [Line Items]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems_documentation_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments with members of Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:href="bbva-20221231.xsd#bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:to="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis_5e92bd79-4c6a-45d3-868b-b67ddd53c8a8_terseLabel_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Broken down encumbered and unencumbered assets [Axis]</link:label>
    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis_label_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Broken down encumbered and unencumbered assets [Axis]</link:label>
    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis_documentation_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Broken down encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:href="bbva-20221231.xsd#bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:to="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems_01a8eaf4-82b9-4571-9125-ed04674f56f4_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Line Items]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems_label_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Line Items]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems_documentation_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax effect of foreign tax rates reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:href="bbva-20221231.xsd#bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:to="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CorporateCenterAndAdjustmentsMember_88cf8fda-8c50-4410-a3db-b892ddd7e4aa_terseLabel_en-US" xlink:label="lab_bbva_CorporateCenterAndAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Corporate Center And Adjustments [Member]</link:label>
    <link:label id="lab_bbva_CorporateCenterAndAdjustmentsMember_label_en-US" xlink:label="lab_bbva_CorporateCenterAndAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Corporate Center And Adjustments [Member]</link:label>
    <link:label id="lab_bbva_CorporateCenterAndAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_CorporateCenterAndAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Corporate Center And Adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CorporateCenterAndAdjustmentsMember" xlink:href="bbva-20221231.xsd#bbva_CorporateCenterAndAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CorporateCenterAndAdjustmentsMember" xlink:to="lab_bbva_CorporateCenterAndAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityLineItems_680b5404-5958-437b-8052-b88def3e559f_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of changes in equity [line items]</link:label>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityLineItems_label_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of changes in equity [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfChangesInEquityLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfChangesInEquityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain_ef10f7a7-753f-420e-9e6a-dbacb622ef4b_terseLabel_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain_label_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain_documentation_en-US" xlink:label="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed statements of cash flows of companies held for sale in the USA subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" xlink:href="bbva-20221231.xsd#bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" xlink:to="lab_bbva_CondensedStatementsOfCashFlowsOfCompaniesHeldForSaleInTheUSASubsidiaryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis_35edc1a8-e9af-4747-918f-d61513726523_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_PostEmploymentCommitmentsBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:to="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisposalsByCompaniesHeldForSale_a5a7b9d3-0874-433f-ba2a-2d07b565d4b6_terseLabel_en-US" xlink:label="lab_bbva_DisposalsByCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposals by companies held for sale</link:label>
    <link:label id="lab_bbva_DisposalsByCompaniesHeldForSale_label_en-US" xlink:label="lab_bbva_DisposalsByCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposals by companies held for sale</link:label>
    <link:label id="lab_bbva_DisposalsByCompaniesHeldForSale_documentation_en-US" xlink:label="lab_bbva_DisposalsByCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disposals by companies held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisposalsByCompaniesHeldForSale" xlink:href="bbva-20221231.xsd#bbva_DisposalsByCompaniesHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisposalsByCompaniesHeldForSale" xlink:to="lab_bbva_DisposalsByCompaniesHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset_d68b63b3-f73f-4b66-9c45-0f8c94cddc53_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from other changes</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from other changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsAxis_344f6be4-ed24-406c-98da-2b342a9aac58_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Axis]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsAxis_label_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Axis]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsAxis_documentation_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:href="bbva-20221231.xsd#bbva_MaturityOfFuturePaymentObligationsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:to="lab_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill_4f2b2d5d-dda5-411d-86df-e812efb300d7_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through net exchange differences, goodwill</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through net exchange differences, goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract_893c4ca5-5062-423b-bb4a-c0366c380dfb_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:to="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalOfIntangibleAssetsMember_5ae829bf-2a00-4102-9f65-0bdbcdbf38d4_terseLabel_en-US" xlink:label="lab_bbva_TotalOfIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total of intangible assets [Member]</link:label>
    <link:label id="lab_bbva_TotalOfIntangibleAssetsMember_label_en-US" xlink:label="lab_bbva_TotalOfIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total of intangible assets [Member]</link:label>
    <link:label id="lab_bbva_TotalOfIntangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_TotalOfIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total of intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalOfIntangibleAssetsMember" xlink:href="bbva-20221231.xsd#bbva_TotalOfIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalOfIntangibleAssetsMember" xlink:to="lab_bbva_TotalOfIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OutstandingSubordinatedDebtMember_3c63675d-5728-4967-bc42-3a060e652b5d_terseLabel_en-US" xlink:label="lab_bbva_OutstandingSubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Outstanding subordinated debt [Member]</link:label>
    <link:label id="lab_bbva_OutstandingSubordinatedDebtMember_label_en-US" xlink:label="lab_bbva_OutstandingSubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Outstanding subordinated debt [Member]</link:label>
    <link:label id="lab_bbva_OutstandingSubordinatedDebtMember_documentation_en-US" xlink:label="lab_bbva_OutstandingSubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Outstanding subordinated debt</link:label>
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    <link:label id="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments_b134c2d6-2992-433f-8875-fe9397dced42_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income And Expense Post employment and other employee benefit commitments</link:label>
    <link:label id="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments_label_en-US" xlink:label="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income And Expense Post employment and other employee benefit commitments</link:label>
    <link:label id="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments_documentation_en-US" xlink:label="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income And Expense Post employment and other employee benefit commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:to="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsHeldForTradingMember_a8063d01-5e02-47c6-b88d-cfa85e1175a8_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for trading [Member]</link:label>
    <link:label id="lab_bbva_FinancialAssetsHeldForTradingMember_label_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for trading [Member]</link:label>
    <link:label id="lab_bbva_FinancialAssetsHeldForTradingMember_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for trading</link:label>
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    <link:label id="lab_bbva_BalanceAt31stDecemberOfEachYearTable_25421ffc-ceed-474c-821a-a4f7aa8b3daa_terseLabel_en-US" xlink:label="lab_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balance at 31st december of each year [Table]</link:label>
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    <link:label id="lab_bbva_BalanceAt31stDecemberOfEachYearTable_documentation_en-US" xlink:label="lab_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balance at 31st december of each year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:href="bbva-20221231.xsd#bbva_BalanceAt31stDecemberOfEachYearTable"/>
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    <link:label id="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock_971fc54c-3555-412e-9c95-95774519d33a_terseLabel_en-US" xlink:label="lab_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed balance sheets of companies sold in the USA subsidiary [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_CondensedBalanceSheetsOfCompaniesSoldInTheUSASubsidiaryTableTextBlock"/>
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    <link:label id="lab_bbva_DiversificationEffectMember_b74b6939-14b5-4b0e-83ee-bce7a93badbd_terseLabel_en-US" xlink:label="lab_bbva_DiversificationEffectMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Diversification effect [Member]</link:label>
    <link:label id="lab_bbva_DiversificationEffectMember_label_en-US" xlink:label="lab_bbva_DiversificationEffectMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Diversification effect [Member]</link:label>
    <link:label id="lab_bbva_DiversificationEffectMember_documentation_en-US" xlink:label="lab_bbva_DiversificationEffectMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Diversification effect</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_2012c836-1f3b-496c-9cc1-ed9155158214_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value throught other comprehensive income [Line Items]</link:label>
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    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationDomain_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration</link:label>
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    <link:label id="lab_bbva_DepositsInFinancialInstitutionsMember_eafcc0d4-cf65-4db9-af25-f0666b13e3cd_terseLabel_en-US" xlink:label="lab_bbva_DepositsInFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in financial institutions [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsInFinancialInstitutionsMember" xlink:href="bbva-20221231.xsd#bbva_DepositsInFinancialInstitutionsMember"/>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis_dba6f207-8396-490f-812d-598b105ae5fd_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by detail [Axis]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis"/>
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    <link:label id="lab_bbva_JaimeFlixCaruanaLacorteMember_f0a43129-773f-4631-a53c-00b7f0945e33_terseLabel_en-US" xlink:label="lab_bbva_JaimeFlixCaruanaLacorteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Jaime F&#233;lix Caruana Lacorte [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_ShortPositionsFinancialLiabilitiesHeldForTrading"/>
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    <link:label id="lab_bbva_DomesticDebtSecuritiesMember_60e88157-8e99-4aa0-8a48-a26b8c37de06_terseLabel_en-US" xlink:label="lab_bbva_DomesticDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Domestic debt securities [Member]</link:label>
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    <link:label id="lab_bbva_RatingDomain_7566ba6a-ae22-4919-b26c-123505fea00c_terseLabel_en-US" xlink:label="lab_bbva_RatingDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rating [Domain]</link:label>
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    <link:label id="lab_bbva_RatingDomain_documentation_en-US" xlink:label="lab_bbva_RatingDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rating</link:label>
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    <link:label id="lab_ifrs-full_ComprehensiveIncome_09727693-145e-4083-a81f-acb58e811efa_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive income</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive income</link:label>
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    <link:label id="lab_bbva_BookValueMember_8bc7187f-039a-452a-a020-3190b675744e_terseLabel_en-US" xlink:label="lab_bbva_BookValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Book value [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss"/>
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    <link:label id="lab_bbva_BBVAColombiaGroupMember_a032fe85-b641-4e90-873b-2e71fca3efb4_terseLabel_en-US" xlink:label="lab_bbva_BBVAColombiaGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Colombia group [Member]</link:label>
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    <link:label id="lab_bbva_BBVAColombiaGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVAColombiaGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Colombia group</link:label>
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    <link:label id="lab_bbva_CommoditiesMember_label_en-US" xlink:label="lab_bbva_CommoditiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities [Member]</link:label>
    <link:label id="lab_bbva_CommoditiesMember_documentation_en-US" xlink:label="lab_bbva_CommoditiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommoditiesMember" xlink:href="bbva-20221231.xsd#bbva_CommoditiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommoditiesMember" xlink:to="lab_bbva_CommoditiesMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain_abd2e801-ac44-4db5-89b7-91142848bab0_terseLabel_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional maturities of the hedging instruments [Domain]</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain_label_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional maturities of the hedging instruments [Domain]</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
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    <link:label id="lab_bbva_RCIColombiaMember_59e8171e-d204-4939-99c8-d28ed667fe61_terseLabel_en-US" xlink:label="lab_bbva_RCIColombiaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">RCI Colombia [Member]</link:label>
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    <link:label id="lab_bbva_RCIColombiaMember_documentation_en-US" xlink:label="lab_bbva_RCIColombiaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">RCI Colombia</link:label>
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    <link:label id="lab_bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet_documentation_en-US" xlink:label="lab_bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains(losses) on derecognized of non financial assets and subsidiaries net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet" xlink:href="bbva-20221231.xsd#bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet"/>
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    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailDomain_1425d1ed-12b6-4a00-9e0c-afb547c5a7ff_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by detail [Domain]</link:label>
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    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_TangibleAssetsBreakdownByDetailDomain"/>
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    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock_9b20cc47-9a3e-48f2-835c-88e80ac48e1f_terseLabel_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets and liabilities [Table Text Block]</link:label>
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    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax assets and liabilities</link:label>
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    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember_554d1c34-4f2a-405b-9c51-e5cec99c03d4_terseLabel_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which property occupied by BBVA plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which property occupied by BBVA plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which property occupied by BBVA plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember"/>
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    <link:label id="lab_bbva_CommoditiesRiskMember_c3a42d0f-6cc9-4442-b91b-b734b5a4e772_terseLabel_en-US" xlink:label="lab_bbva_CommoditiesRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities risk [Member]</link:label>
    <link:label id="lab_bbva_CommoditiesRiskMember_label_en-US" xlink:label="lab_bbva_CommoditiesRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities risk [Member]</link:label>
    <link:label id="lab_bbva_CommoditiesRiskMember_documentation_en-US" xlink:label="lab_bbva_CommoditiesRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commodities risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommoditiesRiskMember" xlink:href="bbva-20221231.xsd#bbva_CommoditiesRiskMember"/>
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    <link:label id="lab_bbva_ShareholderRemunerationSystemAbstract_7818ec02-b45d-4f01-8fe6-3b4148ed6b7e_terseLabel_en-US" xlink:label="lab_bbva_ShareholderRemunerationSystemAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholder Remuneration System [Abstract]</link:label>
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    <link:label id="lab_bbva_SecurityPledgeFundingMember_dd7548d8-c3e0-406b-a687-bcdec93fbf22_terseLabel_en-US" xlink:label="lab_bbva_SecurityPledgeFundingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security pledge funding [Member]</link:label>
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    <link:label id="lab_bbva_SecurityPledgeFundingMember_documentation_en-US" xlink:label="lab_bbva_SecurityPledgeFundingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security pledge funding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecurityPledgeFundingMember" xlink:href="bbva-20221231.xsd#bbva_SecurityPledgeFundingMember"/>
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    <link:label id="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest_documentation_en-US" xlink:label="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which profit from discontinued operations net of non-controlling interest</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" xlink:to="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember_77eb84ea-88aa-403b-9702-eba52dccce97_terseLabel_en-US" xlink:label="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Portfolio fair value hedges of interest rate risk [Member]</link:label>
    <link:label id="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember_label_en-US" xlink:label="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Portfolio fair value hedges of interest rate risk [Member]</link:label>
    <link:label id="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember_documentation_en-US" xlink:label="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Portfolio fair value hedges of interest rate risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:href="bbva-20221231.xsd#bbva_PortfolioFairValueHedgesOfInterestRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:to="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock_49bc408b-cf20-495f-99fe-4bdc7b3db6fd_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities by rating [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities by rating [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaREstimationDomain_d563ccd2-b982-4244-8a62-b8c3a6d01f1b_terseLabel_en-US" xlink:label="lab_bbva_VaREstimationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR estimation [Domain]</link:label>
    <link:label id="lab_bbva_VaREstimationDomain_label_en-US" xlink:label="lab_bbva_VaREstimationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR estimation [Domain]</link:label>
    <link:label id="lab_bbva_VaREstimationDomain_documentation_en-US" xlink:label="lab_bbva_VaREstimationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR estimation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaREstimationDomain" xlink:href="bbva-20221231.xsd#bbva_VaREstimationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaREstimationDomain" xlink:to="lab_bbva_VaREstimationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FromChangesInDemographicAssumptionsMember_5305efa6-7473-4509-9bc4-3cabb242468c_terseLabel_en-US" xlink:label="lab_bbva_FromChangesInDemographicAssumptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">From changes in demographic assumptions [Member]</link:label>
    <link:label id="lab_bbva_FromChangesInDemographicAssumptionsMember_label_en-US" xlink:label="lab_bbva_FromChangesInDemographicAssumptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">From changes in demographic assumptions [Member]</link:label>
    <link:label id="lab_bbva_FromChangesInDemographicAssumptionsMember_documentation_en-US" xlink:label="lab_bbva_FromChangesInDemographicAssumptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">From changes in demographic assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FromChangesInDemographicAssumptionsMember" xlink:href="bbva-20221231.xsd#bbva_FromChangesInDemographicAssumptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FromChangesInDemographicAssumptionsMember" xlink:to="lab_bbva_FromChangesInDemographicAssumptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RangesTreasuryStockAxis_c2fe3636-c123-4139-bc9e-6baa3d7427a6_terseLabel_en-US" xlink:label="lab_bbva_RangesTreasuryStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ranges treasury stock [Axis]</link:label>
    <link:label id="lab_bbva_RangesTreasuryStockAxis_label_en-US" xlink:label="lab_bbva_RangesTreasuryStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ranges treasury stock [Axis]</link:label>
    <link:label id="lab_bbva_RangesTreasuryStockAxis_documentation_en-US" xlink:label="lab_bbva_RangesTreasuryStockAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ranges treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RangesTreasuryStockAxis" xlink:href="bbva-20221231.xsd#bbva_RangesTreasuryStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RangesTreasuryStockAxis" xlink:to="lab_bbva_RangesTreasuryStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtCertificatesAxis_99c54409-9822-4b78-9c4a-255a216d10f8_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates [Axis]</link:label>
    <link:label id="lab_bbva_DebtCertificatesAxis_label_en-US" xlink:label="lab_bbva_DebtCertificatesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates [Axis]</link:label>
    <link:label id="lab_bbva_DebtCertificatesAxis_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesAxis" xlink:href="bbva-20221231.xsd#bbva_DebtCertificatesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtCertificatesAxis" xlink:to="lab_bbva_DebtCertificatesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems_08d08979-f913-46ec-8477-1da69fb6507b_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA accepted in pledge [Line Items]</link:label>
    <link:label id="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems_label_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA accepted in pledge [Line Items]</link:label>
    <link:label id="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems_documentation_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares of BBVA accepted in pledge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:href="bbva-20221231.xsd#bbva_SharesOfBBVAAcceptedInPledgeLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:to="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIntangibleAssetsLineItems_6e0e99c6-6c56-4d88-8324-577e42fc5f0b_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Line Items]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsLineItems_label_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets [Line Items]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsLineItems" xlink:href="bbva-20221231.xsd#bbva_OtherIntangibleAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIntangibleAssetsLineItems" xlink:to="lab_bbva_OtherIntangibleAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable_a8cef3c6-d291-490d-b3c2-527ec5b8ee8b_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk and by product or by type of market [Table]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable_label_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk and by product or by type of market [Table]</link:label>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable_documentation_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives by type of risk and by product or by type of market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:href="bbva-20221231.xsd#bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:to="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_BoardOfDirectorsChairmanMember_a73d816f-ca9f-4d21-9274-f8fa2378ff39_terseLabel_en-US" xlink:label="lab_srt_BoardOfDirectorsChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Board of Directors Chairman [Member]</link:label>
    <link:label id="lab_srt_BoardOfDirectorsChairmanMember_label_en-US" xlink:label="lab_srt_BoardOfDirectorsChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Board of Directors Chairman [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_BoardOfDirectorsChairmanMember" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_BoardOfDirectorsChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_BoardOfDirectorsChairmanMember" xlink:to="lab_srt_BoardOfDirectorsChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsTableTextBlock_578950b8-bc45-4f7d-a15d-3f953b2514a2_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments [Table Text Block]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsTableTextBlock_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments [Table Text Block]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_PostEmploymentCommitmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:to="lab_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock_fc7630ff-df11-4c72-8ea8-3cc6ec5ff2e6_terseLabel_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available amount for interim dividend payments [Table Text Block]</link:label>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock_label_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available amount for interim dividend payments [Table Text Block]</link:label>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available amount for interim dividend payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:to="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesLineItems_04f06f84-5985-4fc6-99dc-dbc0ba6a873d_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesLineItems" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesLineItems" xlink:to="lab_bbva_OtherFinancialLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiabilitiesMember_113af349-92f3-4644-b6d7-a7cfc79e195b_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities [member]</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesMember_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesMember" xlink:to="lab_ifrs-full_LiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock_4c00df5f-a998-4fe3-a893-275b90086b34_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for interest income and expense [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for interest income and expense [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for interest income and expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAvailableForSaleAxis_1267753c-287e-47ea-b806-a4d8d7333f82_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAvailableForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities available for sale [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAvailableForSaleAxis" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesAvailableForSaleAxis"/>
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    <link:label id="lab_bbva_LiabilitiesFromFinancingActivitiesTableTextBlock_78b02bbe-da23-45e7-af5c-087e8e20f3c8_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesFromFinancingActivitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities from financing activities [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesFromFinancingActivitiesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_LiabilitiesFromFinancingActivitiesTableTextBlock"/>
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    <link:label id="lab_ifrs-full_CashAndCashEquivalents_470ec8af-0225-4117-9132-dea5473e765d_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_b7ab6d27-a664-4c4a-a7e3-1b9358d9c7a4_periodEndLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and cash equivalents at end of period</link:label>
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    <link:label id="lab_ifrs-full_CashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and cash equivalents</link:label>
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    <link:label id="lab_ifrs-full_BasicEarningsLossPerShare_eaefb95d-d31a-49fb-8fc1-80ce200a50be_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic earnings (loss) per share</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShare_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic earnings (loss) per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsLossPerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_BasicEarningsLossPerShare"/>
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    <link:label id="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans_612e4d4a-0fde-4d41-8374-d7ead25668ac_terseLabel_en-US" xlink:label="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial gains or losses on defined benefit pension plans</link:label>
    <link:label id="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans_label_en-US" xlink:label="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial gains or losses on defined benefit pension plans</link:label>
    <link:label id="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans_documentation_en-US" xlink:label="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actuarial gains or losses on defined benefit pension plans</link:label>
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    <link:label id="lab_bbva_EstimatedBenefitPaymentsMaturityDomain_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsMaturityDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments maturity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsMaturityDomain" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPaymentsMaturityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPaymentsMaturityDomain" xlink:to="lab_bbva_EstimatedBenefitPaymentsMaturityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets_752481be-d909-47f9-a6c4-f77c65015342_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers held for trading assets</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers held for trading assets</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to customers held for trading assets</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets" xlink:to="lab_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_StagesAxis_b7e4d1a9-2fb9-4468-b866-08663b5a41e8_terseLabel_en-US" xlink:label="lab_bbva_StagesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stages [Axis]</link:label>
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    <link:label id="lab_bbva_NSFRMainLMUTableTextBlock_96e0fa9f-7a0b-474c-b354-f1685306006b_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NSFR main LMU [Table Text Block]</link:label>
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    <link:label id="lab_bbva_NetInterestIncomeAbstract_d4eac96b-b22c-474d-937c-a6a8abd2f0e1_terseLabel_en-US" xlink:label="lab_bbva_NetInterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Interest Income [Abstract]</link:label>
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    <link:label id="lab_bbva_A2017Member_084d73e4-1de5-4b93-96c0-5be1ad4534c1_terseLabel_en-US" xlink:label="lab_bbva_A2017Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2017 [Member]</link:label>
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    <link:label id="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupLineItems_af125ae1-d8c9-459c-8ac9-69f48051348f_terseLabel_en-US" xlink:label="lab_bbva_AmountOfPaymentDeferralAndFinancingWithPublicGuaranteesOfTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payment deferral and financing with public guarantees of the Group [Line Items]</link:label>
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    <link:label id="lab_bbva_TotalCapitalTier1Tier2_2aae9c64-1a37-43b5-af4a-e17e50626d47_terseLabel_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total capital tier 1 tier 2</link:label>
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    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThroughProfitOrLoss_ca21f44a-453b-4373-998c-4aa2943a0e5d_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value through profit or loss</link:label>
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    <link:label id="lab_bbva_TotalReturnSwapMember_1f7caa2d-cf3d-4107-9abf-738082353490_terseLabel_en-US" xlink:label="lab_bbva_TotalReturnSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total return swap [Member]</link:label>
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    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTable_63372d07-b600-426f-9c3e-661a3f41e53e_terseLabel_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired secured loans risks [Table]</link:label>
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    <link:label id="lab_bbva_OtherSecuritizedAssets_5272f6f5-d11f-4a9e-a063-f3067c20721d_terseLabel_en-US" xlink:label="lab_bbva_OtherSecuritizedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other securitized assets</link:label>
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    <link:label id="lab_bbva_FairValueAndCarryingAmountTable_1c8bd486-56ad-4652-bf15-5a060ec362d5_terseLabel_en-US" xlink:label="lab_bbva_FairValueAndCarryingAmountTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying amount [Table]</link:label>
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    <link:label id="lab_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss_dcf4efc3-cdb4-49a1-8d32-c48caef11500_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits at fair value through profit or loss</link:label>
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    <link:label id="lab_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_CustomerDepositsAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_CustomerDepositsAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsInOtherFinancialInstitutionsMember_43bef9ad-be94-478f-baba-0240e778eb71_terseLabel_en-US" xlink:label="lab_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in other financial institutions [Member]</link:label>
    <link:label id="lab_bbva_DepositsInOtherFinancialInstitutionsMember_label_en-US" xlink:label="lab_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in other financial institutions [Member]</link:label>
    <link:label id="lab_bbva_DepositsInOtherFinancialInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits in other financial institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:href="bbva-20221231.xsd#bbva_DepositsInOtherFinancialInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:to="lab_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_UnobservableInputs_2232c82e-1305-4008-9208-4ad35472d347_terseLabel_en-US" xlink:label="lab_bbva_UnobservableInputs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs</link:label>
    <link:label id="lab_bbva_UnobservableInputs_label_en-US" xlink:label="lab_bbva_UnobservableInputs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs</link:label>
    <link:label id="lab_bbva_UnobservableInputs_documentation_en-US" xlink:label="lab_bbva_UnobservableInputs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnobservableInputs" xlink:href="bbva-20221231.xsd#bbva_UnobservableInputs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnobservableInputs" xlink:to="lab_bbva_UnobservableInputs" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets_a68e0fc9-6c57-4aed-b13e-b669fa9975bc_terseLabel_en-US" xlink:label="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</link:label>
    <link:label id="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets_label_en-US" xlink:label="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</link:label>
    <link:label id="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets_documentation_en-US" xlink:label="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:href="bbva-20221231.xsd#bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:to="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember_676fdbc7-e5fe-44ea-9311-ab4799fc5c81_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities government bonds plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities government bonds plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities government bonds plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:to="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AtFairValueMember_74dae196-4c08-4140-8034-39f647864a26_terseLabel_en-US" xlink:label="lab_ifrs-full_AtFairValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">At fair value [member]</link:label>
    <link:label id="lab_ifrs-full_AtFairValueMember_label_en-US" xlink:label="lab_ifrs-full_AtFairValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">At fair value [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AtFairValueMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AtFairValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AtFairValueMember" xlink:to="lab_ifrs-full_AtFairValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock_177cecd8-0819-4dc7-a0f3-a5ba974fcb72_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for recognition of non financial services revenue [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for recognition of non financial services revenue [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for recognition of non financial services revenue</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValuationTechniques_b40ee4c0-93e1-4f53-97e0-58071834c665_terseLabel_en-US" xlink:label="lab_bbva_ValuationTechniques" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques</link:label>
    <link:label id="lab_bbva_ValuationTechniques_label_en-US" xlink:label="lab_bbva_ValuationTechniques" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques</link:label>
    <link:label id="lab_bbva_ValuationTechniques_documentation_en-US" xlink:label="lab_bbva_ValuationTechniques" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationTechniques" xlink:href="bbva-20221231.xsd#bbva_ValuationTechniques"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationTechniques" xlink:to="lab_bbva_ValuationTechniques" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RightofuseAssetsMember_489d36a7-ca74-4e74-bfd2-b9fa335a5e75_terseLabel_en-US" xlink:label="lab_ifrs-full_RightofuseAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Right of use assets [Member]</link:label>
    <link:label id="lab_ifrs-full_RightofuseAssetsMember_label_en-US" xlink:label="lab_ifrs-full_RightofuseAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Right-of-use assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RightofuseAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RightofuseAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RightofuseAssetsMember" xlink:to="lab_ifrs-full_RightofuseAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MathematicalReservesMember_f044eabc-f890-4383-8d6b-40e65d2c0545_terseLabel_en-US" xlink:label="lab_bbva_MathematicalReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves member [Member]</link:label>
    <link:label id="lab_bbva_MathematicalReservesMember_label_en-US" xlink:label="lab_bbva_MathematicalReservesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves [Member]</link:label>
    <link:label id="lab_bbva_MathematicalReservesMember_documentation_en-US" xlink:label="lab_bbva_MathematicalReservesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mathematical reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MathematicalReservesMember" xlink:href="bbva-20221231.xsd#bbva_MathematicalReservesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MathematicalReservesMember" xlink:to="lab_bbva_MathematicalReservesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SurveillanceAndSecurityServiceExpense_ea309ba9-d5eb-4117-8ea7-87b2ee9450fd_terseLabel_en-US" xlink:label="lab_bbva_SurveillanceAndSecurityServiceExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Surveillance and security service expense</link:label>
    <link:label id="lab_bbva_SurveillanceAndSecurityServiceExpense_label_en-US" xlink:label="lab_bbva_SurveillanceAndSecurityServiceExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Surveillance and security service expense</link:label>
    <link:label id="lab_bbva_SurveillanceAndSecurityServiceExpense_documentation_en-US" xlink:label="lab_bbva_SurveillanceAndSecurityServiceExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Surveillance and security service expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SurveillanceAndSecurityServiceExpense" xlink:href="bbva-20221231.xsd#bbva_SurveillanceAndSecurityServiceExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SurveillanceAndSecurityServiceExpense" xlink:to="lab_bbva_SurveillanceAndSecurityServiceExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CofidesMember_5921ad0d-710c-4b7c-9e14-2e2d94081216_terseLabel_en-US" xlink:label="lab_bbva_CofidesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cofides [Member]</link:label>
    <link:label id="lab_bbva_CofidesMember_label_en-US" xlink:label="lab_bbva_CofidesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cofides [Member]</link:label>
    <link:label id="lab_bbva_CofidesMember_documentation_en-US" xlink:label="lab_bbva_CofidesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cofides</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CofidesMember" xlink:href="bbva-20221231.xsd#bbva_CofidesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CofidesMember" xlink:to="lab_bbva_CofidesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVACashBalanceAvailableToTheDate_515f7f75-767d-4658-8552-4f92957d3220_terseLabel_en-US" xlink:label="lab_bbva_BBVACashBalanceAvailableToTheDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA cash balance available to the date</link:label>
    <link:label id="lab_bbva_BBVACashBalanceAvailableToTheDate_label_en-US" xlink:label="lab_bbva_BBVACashBalanceAvailableToTheDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA cash balance available to the date</link:label>
    <link:label id="lab_bbva_BBVACashBalanceAvailableToTheDate_documentation_en-US" xlink:label="lab_bbva_BBVACashBalanceAvailableToTheDate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA cash balance available to the date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVACashBalanceAvailableToTheDate" xlink:href="bbva-20221231.xsd#bbva_BBVACashBalanceAvailableToTheDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVACashBalanceAvailableToTheDate" xlink:to="lab_bbva_BBVACashBalanceAvailableToTheDate" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier1EligibleCapitalResources_2c3edc77-f7ef-4cb1-8587-ca318af0bb6f_terseLabel_en-US" xlink:label="lab_bbva_Tier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 eligible capital resources</link:label>
    <link:label id="lab_bbva_Tier1EligibleCapitalResources_label_en-US" xlink:label="lab_bbva_Tier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 eligible capital resources</link:label>
    <link:label id="lab_bbva_Tier1EligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_Tier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier1EligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_Tier1EligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier1EligibleCapitalResources" xlink:to="lab_bbva_Tier1EligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis_17a43b42-4b24-40b0-b450-1f27f96af589_terseLabel_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Instruments covered by fair value hedges [Axis]</link:label>
    <link:label id="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis_label_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Instruments covered by fair value hedges [Axis]</link:label>
    <link:label id="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis_documentation_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Instruments covered by fair value hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:href="bbva-20221231.xsd#bbva_InstrumentsCoveredByFairValueHedgesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:to="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesLevel3Total_0b037667-8fda-4484-86d7-975366c43a10_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLevel3Total" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities level 3 total</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesLevel3Total_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLevel3Total" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities level 3 total</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesLevel3Total_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLevel3Total" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities level 3 total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesLevel3Total" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesLevel3Total"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesLevel3Total" xlink:to="lab_bbva_FinancialLiabilitiesLevel3Total" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember_7c90ca1b-b9bf-4321-baaf-143f18251a84_terseLabel_en-US" xlink:label="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other effects Post employment commitments [Member]</link:label>
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    <link:label id="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember_documentation_en-US" xlink:label="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other effects Post employment commitments</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanOneYearMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NotLaterThanOneYearMember"/>
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    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems_7d2bff51-bcf8-4d29-be54-7d5422942d60_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances and allowances of loans and advances at amortized cost [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" xlink:href="bbva-20221231.xsd#bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems"/>
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    <link:label id="lab_bbva_FeesForAuditsConductedTableTextBlock_480211b0-99c4-4528-91e3-a81cf168d1cb_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FeesForAuditsConductedTableTextBlock"/>
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    <link:label id="lab_bbva_VenezuelaBolivarMember_64ec637f-a07b-4b76-8923-47a15e4b9187_terseLabel_en-US" xlink:label="lab_bbva_VenezuelaBolivarMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Venezuela bolivar [Member]</link:label>
    <link:label id="lab_bbva_VenezuelaBolivarMember_label_en-US" xlink:label="lab_bbva_VenezuelaBolivarMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Venezuela bolivar [Member]</link:label>
    <link:label id="lab_bbva_VenezuelaBolivarMember_documentation_en-US" xlink:label="lab_bbva_VenezuelaBolivarMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Venezuela bolivar</link:label>
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    <link:label id="lab_ifrs-full_GrossCarryingAmountMember_92547d4b-7e4a-4b92-98b9-d3700721c92e_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossCarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross Carrying Amount [Member]</link:label>
    <link:label id="lab_ifrs-full_GrossCarryingAmountMember_label_en-US" xlink:label="lab_ifrs-full_GrossCarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross carrying amount [member]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain_aeb414bc-15d7-44fa-bb40-bbe918e84024_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by type of asset [Domain]</link:label>
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    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment Or Reversal Of Impairment On Non Financial Assets [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment Or Reversal Of Impairment On Non Financial Assets</link:label>
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    <link:label id="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl_7010dec1-9592-4c12-92fa-c1013627babd_terseLabel_en-US" xlink:label="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Limited review of bbva sa or its companies under control</link:label>
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    <link:label id="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl_documentation_en-US" xlink:label="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Limited review of bbva sa or its companies under control</link:label>
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    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_4d469866-cdda-4558-a81c-c144dded3cee_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one year and not later than three years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one year and not later than three years [member]</link:label>
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    <link:label id="lab_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk_4914c512-a114-43d2-9ac7-c31e9b0a98c4_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for managing liquidity risk</link:label>
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    <link:label id="lab_bbva_ClassesOfAssetsDomain_label_en-US" xlink:label="lab_bbva_ClassesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of assets [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfAssetsDomain_documentation_en-US" xlink:label="lab_bbva_ClassesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfAssetsDomain" xlink:href="bbva-20221231.xsd#bbva_ClassesOfAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfAssetsDomain" xlink:to="lab_bbva_ClassesOfAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_28ce4560-f960-4b67-b1d7-83792d657403_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PlanAssetsBreakdownTableTextBlock_8604a182-0be3-4be5-a006-8c10f1725dcf_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Table Text Block]</link:label>
    <link:label id="lab_bbva_PlanAssetsBreakdownTableTextBlock_label_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Table Text Block]</link:label>
    <link:label id="lab_bbva_PlanAssetsBreakdownTableTextBlock_documentation_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsBreakdownTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_PlanAssetsBreakdownTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PlanAssetsBreakdownTableTextBlock" xlink:to="lab_bbva_PlanAssetsBreakdownTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable_7b18a25e-18b9-48c4-944c-95148af0f3f3_terseLabel_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost covered by collateral [Table]</link:label>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable_label_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost covered by collateral [Table]</link:label>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable_documentation_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost covered by collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:href="bbva-20221231.xsd#bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:to="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PlanAssetsBreakdownLineItems_fd119452-1fc1-4ebd-bfad-d763464c6f26_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Line Items]</link:label>
    <link:label id="lab_bbva_PlanAssetsBreakdownLineItems_label_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Line Items]</link:label>
    <link:label id="lab_bbva_PlanAssetsBreakdownLineItems_documentation_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsBreakdownLineItems" xlink:href="bbva-20221231.xsd#bbva_PlanAssetsBreakdownLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PlanAssetsBreakdownLineItems" xlink:to="lab_bbva_PlanAssetsBreakdownLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtCertificatesIssuedLineItems_ae538617-6883-406b-8002-759405ef7b39_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesIssuedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates issued [Line Items]</link:label>
    <link:label id="lab_bbva_DebtCertificatesIssuedLineItems_label_en-US" xlink:label="lab_bbva_DebtCertificatesIssuedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates issued [Line Items]</link:label>
    <link:label id="lab_bbva_DebtCertificatesIssuedLineItems_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesIssuedLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesIssuedLineItems" xlink:href="bbva-20221231.xsd#bbva_DebtCertificatesIssuedLineItems"/>
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    <link:label id="lab_bbva_LtSCDByLMUTableTextBlock_98e1aa51-3ceb-4049-9497-4f8b9c6a046c_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Table Text Block]</link:label>
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    <link:label id="lab_bbva_LtSCDByLMUTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LtSCDByLMUTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_LtSCDByLMUTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LtSCDByLMUTableTextBlock" xlink:to="lab_bbva_LtSCDByLMUTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfNetInterestIncomeTextBlock_3bf09e98-35d7-4741-97df-a389b8d644e0_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Net interest income [Text Block]</link:label>
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    <link:label id="lab_bbva_DisclosureOfNetInterestIncomeTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Net interest income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfNetInterestIncomeTextBlock"/>
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    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock_e7a46053-33c3-463a-ac74-fc01328ff011_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock"/>
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    <link:label id="lab_dei_EntityAddressCountry_d9247f89-7c19-441f-a7b9-8cc99445d645_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Country</link:label>
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    <link:label id="lab_bbva_ConceptDomain_documentation_en-US" xlink:label="lab_bbva_ConceptDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Concept</link:label>
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    <link:label id="lab_ifrs-full_BuildingsMember_16374894-4a12-4042-90b2-580a5b182383_terseLabel_en-US" xlink:label="lab_ifrs-full_BuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Buildings [member]</link:label>
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    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets_6fbc0299-29be-4802-984c-6be3e5e858a4_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialOtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Or Reversal Of Impairment On Non Financial Other Assets</link:label>
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    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis_dfd53a08-fb3d-4382-9f91-9044e3415bf1_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis_label_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis_documentation_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:href="bbva-20221231.xsd#bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:to="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain_d48ebee3-2008-48f1-aa4b-fd0d021fd128_terseLabel_en-US" xlink:label="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of disposal on the financial position of the group sold usa subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain_label_en-US" xlink:label="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of disposal on the financial position of the group sold usa subsidiary [Domain]</link:label>
    <link:label id="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain_documentation_en-US" xlink:label="lab_bbva_EffectOfDisposalOnTheFinancialPositionOfTheGroupSoldUsaSubsidiaryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of disposal on the financial position of the group sold usa subsidiary</link:label>
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    <link:label id="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_a95422f0-aa50-4f8d-9a1c-97dcf59dfc6e_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on cash flow hedges, before tax</link:label>
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    <link:label id="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract_5bd11b5c-be0a-49f4-a1f8-c7a21e303abf_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income and expenses [Abstract]</link:label>
    <link:label id="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract_label_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income and expenses [Abstract]</link:label>
    <link:label id="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract_documentation_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income and expenses [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeeAndCommissionIncomeAndExpensesAbstract" xlink:href="bbva-20221231.xsd#bbva_FeeAndCommissionIncomeAndExpensesAbstract"/>
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    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock_1506be38-232f-40df-a42e-3d67c2017705_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets and liabilities held for trading [Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" xlink:to="lab_bbva_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumAmountDistributable_ac77ffd8-6fc8-4ef5-aaac-62e95d6cd0a3_terseLabel_en-US" xlink:label="lab_bbva_MaximumAmountDistributable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum amount distributable</link:label>
    <link:label id="lab_bbva_MaximumAmountDistributable_label_en-US" xlink:label="lab_bbva_MaximumAmountDistributable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum amount distributable</link:label>
    <link:label id="lab_bbva_MaximumAmountDistributable_documentation_en-US" xlink:label="lab_bbva_MaximumAmountDistributable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum amount distributable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumAmountDistributable" xlink:href="bbva-20221231.xsd#bbva_MaximumAmountDistributable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumAmountDistributable" xlink:to="lab_bbva_MaximumAmountDistributable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OperationsFinancingWithPublicGuarantee_8af04470-fa33-4dfa-b9a1-16a409340296_terseLabel_en-US" xlink:label="lab_bbva_OperationsFinancingWithPublicGuarantee" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operations financing with public guarantee</link:label>
    <link:label id="lab_bbva_OperationsFinancingWithPublicGuarantee_label_en-US" xlink:label="lab_bbva_OperationsFinancingWithPublicGuarantee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operations financing with public guarantee</link:label>
    <link:label id="lab_bbva_OperationsFinancingWithPublicGuarantee_documentation_en-US" xlink:label="lab_bbva_OperationsFinancingWithPublicGuarantee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operations financing with public guarantee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OperationsFinancingWithPublicGuarantee" xlink:href="bbva-20221231.xsd#bbva_OperationsFinancingWithPublicGuarantee"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OperationsFinancingWithPublicGuarantee" xlink:to="lab_bbva_OperationsFinancingWithPublicGuarantee" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember_0b03d3dc-34fa-4d32-a1ff-e27b9cc0b1a2_terseLabel_en-US" xlink:label="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in portfolio hedge of interest rate risk [Member]</link:label>
    <link:label id="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember_label_en-US" xlink:label="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in portfolio hedge of interest rate risk [Member]</link:label>
    <link:label id="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember_documentation_en-US" xlink:label="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in portfolio hedge of interest rate risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:href="bbva-20221231.xsd#bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:to="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain_ffb0ef96-b9a8-4140-b98f-6e1db7df8506_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by levels [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by levels [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" xlink:to="lab_bbva_FinancialAssetsAtFairValueBreakdownByLevelsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_9ec0fd1b-dae6-4a8a-90e5-ecdb693be1b1_terseLabel_en-US" xlink:label="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of debt instruments measured at fair value through other comprehensive income that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of debt instruments measured at fair value through other comprehensive income that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of debt instruments measured at fair value through other comprehensive income that will be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_CreditSpreadOptionMember_cb861680-878a-45ab-8474-baf4c0ac22da_terseLabel_en-US" xlink:label="lab_bbva_CreditSpreadOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit spread option [Member]</link:label>
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    <link:label id="lab_bbva_CreditSpreadOptionMember_documentation_en-US" xlink:label="lab_bbva_CreditSpreadOptionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit spread option</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditSpreadOptionMember" xlink:href="bbva-20221231.xsd#bbva_CreditSpreadOptionMember"/>
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    <link:label id="lab_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract_label_en-US" xlink:label="lab_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of profit or loss of entities accounted for using the equity method [Abstract]</link:label>
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    <link:label id="lab_bbva_StagesDomain_a1794f28-710f-48d7-b0bc-7f1cbbd7b3a0_terseLabel_en-US" xlink:label="lab_bbva_StagesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stages [Domain]</link:label>
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    <link:label id="lab_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities_531c37af-846a-44e4-8d2b-43df7c5cb76a_negatedTerseLabel_en-US" xlink:label="lab_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase Of Non Current Assets And Liabilities Held For Sale Classified As Investing Activities</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" xlink:href="bbva-20221231.xsd#bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" xlink:to="lab_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome_0961a560-e93c-483a-95ab-98296d9ded13_totalLabel_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Comprehensive Income Before Tax Debt Instruments At Fair Value With Changes In Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Comprehensive Income Before Tax Debt Instruments At Fair Value With Changes In Other Comprehensive Income</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:href="bbva-20221231.xsd#bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:to="lab_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis_8d1743a0-47a7-4c4f-94cc-ec9cc7bf8b84_terseLabel_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral and financing with public guarantees [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis_label_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral and financing with public guarantees [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of payment deferral and financing with public guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfPaymentDeferralAndFinancingWithPublicGuaranteesAxis"/>
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    <link:label id="lab_dei_DocumentAccountingStandard_6ac0455f-7b60-4e8a-9309-6c9fe3928326_terseLabel_en-US" xlink:label="lab_dei_DocumentAccountingStandard" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Accounting Standard</link:label>
    <link:label id="lab_dei_DocumentAccountingStandard_label_en-US" xlink:label="lab_dei_DocumentAccountingStandard" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Accounting Standard</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAccountingStandard" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentAccountingStandard"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAccountingStandard" xlink:to="lab_dei_DocumentAccountingStandard" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_28bc766d-6266-42dc-b2ca-686b0e2d5d6a_terseLabel_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_label_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityWellKnownSeasonedIssuer" xlink:to="lab_dei_EntityWellKnownSeasonedIssuer" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Black76Member_021934d6-7f45-4077-a009-df2c53265f00_terseLabel_en-US" xlink:label="lab_bbva_Black76Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Black 76 [Member]</link:label>
    <link:label id="lab_bbva_Black76Member_label_en-US" xlink:label="lab_bbva_Black76Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Black 76 [Member]</link:label>
    <link:label id="lab_bbva_Black76Member_documentation_en-US" xlink:label="lab_bbva_Black76Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Black 76</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Black76Member" xlink:href="bbva-20221231.xsd#bbva_Black76Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Black76Member" xlink:to="lab_bbva_Black76Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems_11826958-15fc-4982-b9c1-5706fd7b1c66_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Investments in subsidiaries joint ventures and associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:to="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of cash flows [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfCashFlowsAbstract" xlink:to="lab_ifrs-full_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources_ea6aad56-26ff-404c-962d-01dba715b88e_terseLabel_en-US" xlink:label="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 before regulatory adjustments eligible capital resources</link:label>
    <link:label id="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 before regulatory adjustments eligible capital resources</link:label>
    <link:label id="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 before regulatory adjustments eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:to="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsLineItems_300c3ad0-8dd5-48f2-be58-214819ddd670_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Line Items]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsLineItems_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Line Items]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsLineItems_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsLineItems" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsLineItems" xlink:to="lab_bbva_MedicalBenefitsCommitmentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureToCustomersAxis_afc78da0-ab91-42c2-9f5d-48907a5d760d_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure to customers [Axis]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureToCustomersAxis_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure to customers [Axis]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureToCustomersAxis_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureToCustomersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:to="lab_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsHeldForTrading_1253c524-c688-4646-866b-1204dfad020c_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:label id="lab_bbva_FinancialAssetsHeldForTrading_label_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:label id="lab_bbva_FinancialAssetsHeldForTrading_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsHeldForTrading" xlink:to="lab_bbva_FinancialAssetsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OperatingSegmentReportingAbstract_4349ecda-9173-4984-9b24-f02cd336082e_terseLabel_en-US" xlink:label="lab_bbva_OperatingSegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operating Segments Reporting [Abstract]</link:label>
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    <link:label id="lab_bbva_OperatingSegmentReportingAbstract_documentation_en-US" xlink:label="lab_bbva_OperatingSegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operating Segments Reporting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OperatingSegmentReportingAbstract" xlink:href="bbva-20221231.xsd#bbva_OperatingSegmentReportingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OperatingSegmentReportingAbstract" xlink:to="lab_bbva_OperatingSegmentReportingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities_856ceee3-92b2-4279-92af-0ee74b2c4ea0_negatedTerseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities designated at fair value through profit or loss operating activities</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities designated at fair value through profit or loss operating activities</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities designated at fair value through profit or loss operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" xlink:to="lab_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems_d92882f0-4dbf-4410-88c7-c86f05a4b9dc_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value by levels active market [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value by levels active market [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments at fair value by levels active market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" xlink:to="lab_bbva_FinancialInstrumentsAtFairValueByLevelsActiveMarketLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PastServiceCostExpenseOnIncomeStatement_3bd49e50-1ee8-4cff-bcc9-ea4eadfc50e2_terseLabel_en-US" xlink:label="lab_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Past service cost expense on income statement</link:label>
    <link:label id="lab_bbva_PastServiceCostExpenseOnIncomeStatement_label_en-US" xlink:label="lab_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Past service cost expense on income statement</link:label>
    <link:label id="lab_bbva_PastServiceCostExpenseOnIncomeStatement_documentation_en-US" xlink:label="lab_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Past service cost expense on income statement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:href="bbva-20221231.xsd#bbva_PastServiceCostExpenseOnIncomeStatement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:to="lab_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilities_eace0c3b-53f3-46c4-9d4e-e1e2738fe381_terseLabel_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non convertible subordinated liabilities</link:label>
    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilities_label_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non convertible subordinated liabilities</link:label>
    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilities_documentation_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non convertible subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:href="bbva-20221231.xsd#bbva_OtherNonConvertibleSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:to="lab_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GeographyAxisMarketRiskAxis_2775104a-5e8e-444b-9d4d-5527efffd0d0_terseLabel_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geography axis market risk [Axis]</link:label>
    <link:label id="lab_bbva_GeographyAxisMarketRiskAxis_label_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geography axis market risk [Axis]</link:label>
    <link:label id="lab_bbva_GeographyAxisMarketRiskAxis_documentation_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geography axis market risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GeographyAxisMarketRiskAxis" xlink:href="bbva-20221231.xsd#bbva_GeographyAxisMarketRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GeographyAxisMarketRiskAxis" xlink:to="lab_bbva_GeographyAxisMarketRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems_e78733bc-626f-4cbb-9951-10d9d0609c3d_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationSeniorManagementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:to="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RetainedEarningsAndEquityInstrumentsMember_06c8ea98-074a-43d1-b1d4-a0965ec9fa2c_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings and equity instruments [Member]</link:label>
    <link:label id="lab_bbva_RetainedEarningsAndEquityInstrumentsMember_label_en-US" xlink:label="lab_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings and equity instruments [Member]</link:label>
    <link:label id="lab_bbva_RetainedEarningsAndEquityInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings and equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:href="bbva-20221231.xsd#bbva_RetainedEarningsAndEquityInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:to="lab_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferBetweenLevelsTable_1244d058-faf2-436d-83eb-29b8e4002041_terseLabel_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfer between levels [Table]</link:label>
    <link:label id="lab_bbva_TransferBetweenLevelsTable_label_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfer between levels [Table]</link:label>
    <link:label id="lab_bbva_TransferBetweenLevelsTable_documentation_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfer between levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferBetweenLevelsTable" xlink:href="bbva-20221231.xsd#bbva_TransferBetweenLevelsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransferBetweenLevelsTable" xlink:to="lab_bbva_TransferBetweenLevelsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValue_ad443b0c-9ebb-4c9d-aa7e-78d27420c521_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities at fair value</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValue_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities at fair value</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValue_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesAtFairValue" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesAtFairValue" xlink:to="lab_bbva_OtherFinancialLiabilitiesAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock_30bede3b-d853-406b-81dd-03b0de35fcd7_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock_label_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProvisionsOrReversalOfProvisionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:to="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfEquityInstrumentAxis_2b26181e-8329-4ef3-8ee3-bcce4daf32cf_terseLabel_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of equity instrument [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfEquityInstrumentAxis_label_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of equity instrument [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfEquityInstrumentAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of equity instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfEquityInstrumentAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfEquityInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfEquityInstrumentAxis" xlink:to="lab_bbva_TypeOfEquityInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpense_5c81c0df-d587-41da-878a-52a9f8979835_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ifrs-full_InterestExpense_1cde2dd3-1841-4645-bc20-6eaa63cd32c1_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ifrs-full_InterestExpense_label_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpense" xlink:to="lab_ifrs-full_InterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityAnalysisTable_4b74b7e1-771f-4463-a442-501bdbbbd8a2_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Table]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisTable_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Table]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisTable_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisTable" xlink:href="bbva-20221231.xsd#bbva_SensitivityAnalysisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisTable" xlink:to="lab_bbva_SensitivityAnalysisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems_2e93a0a4-8613-45b3-a4fc-19b3b3025aa2_terseLabel_en-US" xlink:label="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit and loss related party transactions [Line Items]</link:label>
    <link:label id="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems_label_en-US" xlink:label="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit and loss related party transactions [Line Items]</link:label>
    <link:label id="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems_documentation_en-US" xlink:label="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit and loss related party transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:href="bbva-20221231.xsd#bbva_ProfitAndLossRelatedPartyTransactionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:to="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAVRDomain_cd01b262-b52f-4fd5-a1ff-13af3dbb516f_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR [Domain]</link:label>
    <link:label id="lab_bbva_DeferredAVRDomain_label_en-US" xlink:label="lab_bbva_DeferredAVRDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR [Domain]</link:label>
    <link:label id="lab_bbva_DeferredAVRDomain_documentation_en-US" xlink:label="lab_bbva_DeferredAVRDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRDomain" xlink:href="bbva-20221231.xsd#bbva_DeferredAVRDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAVRDomain" xlink:to="lab_bbva_DeferredAVRDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_5729a94e-f325-442f-bb51-09eba758743e_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_label_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:to="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Liabilities_45a513d6-ff4a-465c-bd1c-33d7eb9e7af2_totalLabel_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_ifrs-full_Liabilities_50ef9e87-c7c5-4b6c-8cff-45df4b924f49_terseLabel_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_ifrs-full_Liabilities_label_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Liabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Liabilities" xlink:to="lab_ifrs-full_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTable_9c0cfe19-fc3b-4e54-9c30-efb0646be01d_terseLabel_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Table]</link:label>
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    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems_901b6401-f9c0-4a51-a90c-8ac025a625d1_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet [Line Items]</link:label>
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    <link:label id="lab_bbva_RemeasurementsMember_documentation_en-US" xlink:label="lab_bbva_RemeasurementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remeasurements</link:label>
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    <link:label id="lab_bbva_DisclosureOfLiabilitiesUnderInsuranceContractsAndReinsuranceContractsLineItems_fd2877a7-ce4a-4637-917a-e2d643c6bc69_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfLiabilitiesUnderInsuranceContractsAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of liabilities under insurance contracts and reinsurance contracts [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfLiabilitiesUnderInsuranceContractsAndReinsuranceContractsLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfLiabilitiesUnderInsuranceContractsAndReinsuranceContractsLineItems"/>
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    <link:label id="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock_b26ce85f-fd65-4fe7-8712-771630a4d624_terseLabel_en-US" xlink:label="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non Controlling Interest Classified By Concept [Table Text Block]</link:label>
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    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_517a5621-858a-4f1d-9bf0-5b8fd4a181ef_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income, category [member]</link:label>
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    <link:label id="lab_ifrs-full_CashFlowHedgesMember_814ae341-0a78-47b6-b775-e83f90e087f1_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flow hedges [member]</link:label>
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    <link:label id="lab_ifrs-full_OtherComprehensiveIncome_2df71a6e-22bc-4fcb-bff6-2c4799a56456_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income</link:label>
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    <link:label id="lab_bbva_InterimDividends_bea17473-06c7-423c-ada7-64c16f7156f6_terseLabel_en-US" xlink:label="lab_bbva_InterimDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interim dividends</link:label>
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    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_c3b5c858-d823-40c2-bd91-a58155f5651f_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
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    <link:label id="lab_bbva_AnnualFixedRemuneration_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration</link:label>
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    <link:label id="lab_srt_EuropeMember_11972974-8604-4075-afc6-845f8005c2d4_terseLabel_en-US" xlink:label="lab_srt_EuropeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Europe [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_srt_EuropeMember" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_EuropeMember"/>
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    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities_9c5a5762-60c8-4021-81a4-481bd948c790_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Financing Activities</link:label>
    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities_label_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Financing Activities</link:label>
    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Financing Activities</link:label>
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    <link:label id="lab_bbva_ClassesOfTangibleAssetsAxis_73167189-4cce-4d6b-b18a-69ae3f4f01f8_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of tangible assets [Axis]</link:label>
    <link:label id="lab_bbva_ClassesOfTangibleAssetsAxis_label_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of tangible assets [Axis]</link:label>
    <link:label id="lab_bbva_ClassesOfTangibleAssetsAxis_documentation_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of tangible assets</link:label>
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    <link:label id="lab_bbva_GarantiBBVAGroupMember_64edc55a-535e-4083-9f00-2a3caafe447d_terseLabel_en-US" xlink:label="lab_bbva_GarantiBBVAGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Garanti BBVA group [Member]</link:label>
    <link:label id="lab_bbva_GarantiBBVAGroupMember_label_en-US" xlink:label="lab_bbva_GarantiBBVAGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Garanti BBVA group [Member]</link:label>
    <link:label id="lab_bbva_GarantiBBVAGroupMember_documentation_en-US" xlink:label="lab_bbva_GarantiBBVAGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Garanti BBVA group</link:label>
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    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_75c111b7-d585-4ddf-9ed1-e9c664e6ecbb_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets other than goodwill</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevaluationSurplus_9f083937-e8bc-429f-89c8-51bfaa548b4d_terseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Revaluation surplus</link:label>
    <link:label id="lab_ifrs-full_RevaluationSurplus_label_en-US" xlink:label="lab_ifrs-full_RevaluationSurplus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Revaluation surplus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevaluationSurplus" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RevaluationSurplus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevaluationSurplus" xlink:to="lab_ifrs-full_RevaluationSurplus" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock_6227731f-6166-4c5f-ba9f-6a5dd2865ec8_terseLabel_en-US" xlink:label="lab_bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying amount of the financial instruments [Table Text Block]</link:label>
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    <link:label id="lab_bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying amount of the financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FairValueAndCarryingAmountOfTheFinancialInstrumentsTableTextBlock"/>
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    <link:label id="lab_bbva_CounterpartiesImpairedSecuredLoansAxis_a89deeea-a14b-43a7-b377-ef78e6d79029_terseLabel_en-US" xlink:label="lab_bbva_CounterpartiesImpairedSecuredLoansAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Counterparties impaired secured loans [Axis]</link:label>
    <link:label id="lab_bbva_CounterpartiesImpairedSecuredLoansAxis_label_en-US" xlink:label="lab_bbva_CounterpartiesImpairedSecuredLoansAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Counterparties impaired secured loans [Axis]</link:label>
    <link:label id="lab_bbva_CounterpartiesImpairedSecuredLoansAxis_documentation_en-US" xlink:label="lab_bbva_CounterpartiesImpairedSecuredLoansAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Counterparties impaired secured loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CounterpartiesImpairedSecuredLoansAxis" xlink:href="bbva-20221231.xsd#bbva_CounterpartiesImpairedSecuredLoansAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CounterpartiesImpairedSecuredLoansAxis" xlink:to="lab_bbva_CounterpartiesImpairedSecuredLoansAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill_1ed3a6c7-e7f5-4af4-be6c-fae0a6aad0bd_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through net exchange differences, intangible assets and goodwill</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through net exchange differences, intangible assets and goodwill</link:label>
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    <link:label id="lab_bbva_OtherLoansAndAdvancesMember_a6f57a22-4395-402b-9679-f93ca6af8733_terseLabel_en-US" xlink:label="lab_bbva_OtherLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other loans and advances [Member]</link:label>
    <link:label id="lab_bbva_OtherLoansAndAdvancesMember_label_en-US" xlink:label="lab_bbva_OtherLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other loans and advances [Member]</link:label>
    <link:label id="lab_bbva_OtherLoansAndAdvancesMember_documentation_en-US" xlink:label="lab_bbva_OtherLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other loans and advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLoansAndAdvancesMember" xlink:href="bbva-20221231.xsd#bbva_OtherLoansAndAdvancesMember"/>
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    <link:label id="lab_ifrs-full_OtherEquityInterest_bdc8ec69-292e-426a-b711-280c9481a9a5_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other equity interest</link:label>
    <link:label id="lab_ifrs-full_OtherEquityInterest_label_en-US" xlink:label="lab_ifrs-full_OtherEquityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other equity interest</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherEquityInterest" xlink:to="lab_ifrs-full_OtherEquityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_9bf021b0-1b14-4d45-a70b-288560319c3f_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic earnings (loss) per share from discontinued operations</link:label>
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    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember_6da3089b-0d60-4ff9-a391-51b301dfda84_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than one year and not later than five years [member]</link:label>
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    <link:label id="lab_bbva_OtherFinancialCorporationsMember_d711b410-3d40-4740-9156-4a9658c44843_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial corporations [Member]</link:label>
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    <link:label id="lab_bbva_OtherFinancialCorporationsMember_documentation_en-US" xlink:label="lab_bbva_OtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial corporations</link:label>
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    <link:label id="lab_ifrs-full_LiabilitiesArisingFromFinancingActivities_94125c6c-b602-4b41-be8f-d4736bc56881_periodStartLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesArisingFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities arising from financing activities at beginning of period</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesArisingFromFinancingActivities_2a8cd16d-ceee-48e8-baaf-bc8b23b69e83_periodEndLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesArisingFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities arising from financing activities at end of period</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCommitmentsAndGuaranteesGiven" xlink:href="bbva-20221231.xsd#bbva_OtherCommitmentsAndGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherCommitmentsAndGuaranteesGiven" xlink:to="lab_bbva_OtherCommitmentsAndGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract_0f436708-556f-4614-8386-21f52ac51b85_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of significant accounting policies [Abstract]</link:label>
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    <link:label id="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract_documentation_en-US" xlink:label="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of significant accounting policies</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:to="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalAssetsLineItems_4f0d139d-3786-449d-9f8e-3930f1e8a759_terseLabel_en-US" xlink:label="lab_bbva_TotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Assets of the Group by business segments [Line Items]</link:label>
    <link:label id="lab_bbva_TotalAssetsLineItems_label_en-US" xlink:label="lab_bbva_TotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Assets [Line Items]</link:label>
    <link:label id="lab_bbva_TotalAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_TotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalAssetsLineItems" xlink:href="bbva-20221231.xsd#bbva_TotalAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalAssetsLineItems" xlink:to="lab_bbva_TotalAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredLossAllowancesTaxAssets_96dd80e2-0b28-464e-94d6-e96a2505ef1c_terseLabel_en-US" xlink:label="lab_bbva_SecuredLossAllowancesTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured loss allowances tax assets</link:label>
    <link:label id="lab_bbva_SecuredLossAllowancesTaxAssets_label_en-US" xlink:label="lab_bbva_SecuredLossAllowancesTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured loss allowances tax assets</link:label>
    <link:label id="lab_bbva_SecuredLossAllowancesTaxAssets_documentation_en-US" xlink:label="lab_bbva_SecuredLossAllowancesTaxAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured loss allowances tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredLossAllowancesTaxAssets" xlink:href="bbva-20221231.xsd#bbva_SecuredLossAllowancesTaxAssets"/>
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    <link:label id="lab_bbva_PropertyFixturesAndMaterialsExpense_7657e4b6-3711-4458-9abd-2aae3b465648_terseLabel_en-US" xlink:label="lab_bbva_PropertyFixturesAndMaterialsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property Fixtures And Materials expense</link:label>
    <link:label id="lab_bbva_PropertyFixturesAndMaterialsExpense_label_en-US" xlink:label="lab_bbva_PropertyFixturesAndMaterialsExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property Fixtures And Materials expense</link:label>
    <link:label id="lab_bbva_PropertyFixturesAndMaterialsExpense_documentation_en-US" xlink:label="lab_bbva_PropertyFixturesAndMaterialsExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property Fixtures And Materials expense</link:label>
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    <link:label id="lab_bbva_CumulatedCounterbalancingCapacityMember_4685c871-f6d1-4795-8a0e-8d4000a3334f_terseLabel_en-US" xlink:label="lab_bbva_CumulatedCounterbalancingCapacityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulated counterbalancing capacity [Member]</link:label>
    <link:label id="lab_bbva_CumulatedCounterbalancingCapacityMember_label_en-US" xlink:label="lab_bbva_CumulatedCounterbalancingCapacityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulated counterbalancing capacity [Member]</link:label>
    <link:label id="lab_bbva_CumulatedCounterbalancingCapacityMember_documentation_en-US" xlink:label="lab_bbva_CumulatedCounterbalancingCapacityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulated counterbalancing capacity</link:label>
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    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock_54d80166-f64f-4688-9821-74a103cbc263_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Investments In Subsidiaries Joint Ventures And Associates [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Investments In Subsidiaries Joint Ventures And Associates [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Investments In Subsidiaries Joint Ventures And Associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock"/>
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    <link:label id="lab_bbva_Checks_aa850095-a302-4296-ac56-8c86d589b5b8_terseLabel_en-US" xlink:label="lab_bbva_Checks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Checks</link:label>
    <link:label id="lab_bbva_Checks_label_en-US" xlink:label="lab_bbva_Checks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Checks</link:label>
    <link:label id="lab_bbva_Checks_documentation_en-US" xlink:label="lab_bbva_Checks" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Checks</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Checks" xlink:to="lab_bbva_Checks" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans_182097c6-e3da-4482-95fe-1dba00293cba_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current service cost, defined benefit plans</link:label>
    <link:label id="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current service cost, defined benefit plans</link:label>
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    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_ceca0300-444f-4bcc-9d2c-e4dd0a87f68c_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions</link:label>
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    <link:label id="lab_bbva_OtherPositionsMember_3bfa5e44-47e5-480c-a01b-c474c6871bae_terseLabel_en-US" xlink:label="lab_bbva_OtherPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other positions [Member]</link:label>
    <link:label id="lab_bbva_OtherPositionsMember_label_en-US" xlink:label="lab_bbva_OtherPositionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other positions [Member]</link:label>
    <link:label id="lab_bbva_OtherPositionsMember_documentation_en-US" xlink:label="lab_bbva_OtherPositionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherPositionsMember" xlink:href="bbva-20221231.xsd#bbva_OtherPositionsMember"/>
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    <link:label id="lab_bbva_CustomerDepositsMember_417c3f80-67fd-40da-9d0b-0295cf48fc95_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits [Member]</link:label>
    <link:label id="lab_bbva_CustomerDepositsMember_label_en-US" xlink:label="lab_bbva_CustomerDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits [Member]</link:label>
    <link:label id="lab_bbva_CustomerDepositsMember_documentation_en-US" xlink:label="lab_bbva_CustomerDepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsMember" xlink:href="bbva-20221231.xsd#bbva_CustomerDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustomerDepositsMember" xlink:to="lab_bbva_CustomerDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock_d8f59e54-b4e7-40ee-b574-e40c04cab599_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible Assets Breakdown By Type Of Asset [Table Text Block]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:to="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustomerDepositsTableTextBlock_ea8fedbb-2df1-4485-b550-e358d005a404_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer Deposits [Table Text Block]</link:label>
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    <link:label id="lab_bbva_CustomerDepositsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_CustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_CustomerDepositsTableTextBlock"/>
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    <link:label id="lab_dei_EntityCentralIndexKey_231f579b-24f9-486d-a23e-37780f55ba2a_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey"/>
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    <link:label id="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario of GDP, unemployment rate and HPI for the main geographies</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems_28b895a4-280b-4f28-8f8e-67098cba7924_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities designated at fair value through profit or loss [Line Items]</link:label>
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    <link:label id="lab_bbva_PlanAssets_22e4bdb9-485c-4bf1-a148-dcca7c78fe33_periodStartLabel_en-US" xlink:label="lab_bbva_PlanAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets</link:label>
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    <link:label id="lab_bbva_PlanAssets_label_en-US" xlink:label="lab_bbva_PlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets</link:label>
    <link:label id="lab_bbva_PlanAssets_documentation_en-US" xlink:label="lab_bbva_PlanAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets</link:label>
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    <link:label id="lab_bbva_OtherItemsLiabilities_89bb10d1-180a-40a4-8115-cab5bef2cc4f_terseLabel_en-US" xlink:label="lab_bbva_OtherItemsLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other items liabilities</link:label>
    <link:label id="lab_bbva_OtherItemsLiabilities_label_en-US" xlink:label="lab_bbva_OtherItemsLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other items liabilities</link:label>
    <link:label id="lab_bbva_OtherItemsLiabilities_documentation_en-US" xlink:label="lab_bbva_OtherItemsLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other items liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherItemsLiabilities" xlink:href="bbva-20221231.xsd#bbva_OtherItemsLiabilities"/>
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    <link:label id="lab_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions_b37cab50-b808-4fc1-bd59-4d41bb3fee29_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income related parties transactions</link:label>
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    <link:label id="lab_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions_documentation_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fee and commission income related parties transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions" xlink:href="bbva-20221231.xsd#bbva_FeeAndCommissionIncomeRelatedPartiesTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions" xlink:to="lab_bbva_FeeAndCommissionIncomeRelatedPartiesTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialAssetsAndLiabilitiesMember_86b411bd-2d63-4e29-be86-f031a3a44f8d_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial assets and liabilities [Member]</link:label>
    <link:label id="lab_bbva_OtherFinancialAssetsAndLiabilitiesMember_label_en-US" xlink:label="lab_bbva_OtherFinancialAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial assets and liabilities [Member]</link:label>
    <link:label id="lab_bbva_OtherFinancialAssetsAndLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_OtherFinancialAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialAssetsAndLiabilitiesMember" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialAssetsAndLiabilitiesMember"/>
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    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_a9ceeae3-4e2f-4183-bb26-f8858d292713_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, assets</link:label>
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    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock_35456886-b798-4003-9e3f-0a3d55f78764_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of loans and advances to customers [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTableTextBlock"/>
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    <link:label id="lab_bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_59a86d87-0b16-4729-bb54-c3654031545d_terseLabel_en-US" xlink:label="lab_bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value changes of equity instruments measured at fair value through other comprehensive income that will not be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_CommissionsForSellingInsurance_68806edb-349c-422d-be1c-a191fd3f39d1_terseLabel_en-US" xlink:label="lab_bbva_CommissionsForSellingInsurance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commissions for selling insurance</link:label>
    <link:label id="lab_bbva_CommissionsForSellingInsurance_label_en-US" xlink:label="lab_bbva_CommissionsForSellingInsurance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commissions for selling insurance</link:label>
    <link:label id="lab_bbva_CommissionsForSellingInsurance_documentation_en-US" xlink:label="lab_bbva_CommissionsForSellingInsurance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commissions for selling insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommissionsForSellingInsurance" xlink:href="bbva-20221231.xsd#bbva_CommissionsForSellingInsurance"/>
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    <link:label id="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_54866d97-de3b-4498-8b29-800007742cda_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense on financial liabilities held for trading</link:label>
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    <link:label id="lab_bbva_HPI_6f534c16-dd2b-443b-a531-9edd679f9239_terseLabel_en-US" xlink:label="lab_bbva_HPI" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">HPI</link:label>
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    <link:label id="lab_bbva_HPI_documentation_en-US" xlink:label="lab_bbva_HPI" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">HPI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HPI" xlink:href="bbva-20221231.xsd#bbva_HPI"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalanceAtTheEndOfNetCarryingValue" xlink:href="bbva-20221231.xsd#bbva_BalanceAtTheEndOfNetCarryingValue"/>
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    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember_697aa4ef-8f86-45dc-9146-74e70c5bd873_terseLabel_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">of which vested benefit obligation relating to current employees [Member]</link:label>
    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember_label_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which vested benefit obligation relating to current employees [Member]</link:label>
    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which vested benefit obligation relating to current employees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:to="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfScenarioAxis_9383bbea-c509-416c-8ccd-e31efb4ff3cb_terseLabel_en-US" xlink:label="lab_bbva_TypeOfScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of scenario [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfScenarioAxis_label_en-US" xlink:label="lab_bbva_TypeOfScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of scenario [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfScenarioAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfScenarioAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfScenarioAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfScenarioAxis" xlink:to="lab_bbva_TypeOfScenarioAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalPortfolioMember_55b5ef7b-37c5-4326-9972-ec02281972b3_terseLabel_en-US" xlink:label="lab_bbva_TotalPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total portfolio [Member]</link:label>
    <link:label id="lab_bbva_TotalPortfolioMember_label_en-US" xlink:label="lab_bbva_TotalPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total portfolio [Member]</link:label>
    <link:label id="lab_bbva_TotalPortfolioMember_documentation_en-US" xlink:label="lab_bbva_TotalPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalPortfolioMember" xlink:href="bbva-20221231.xsd#bbva_TotalPortfolioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalPortfolioMember" xlink:to="lab_bbva_TotalPortfolioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale_3695780a-f78a-4e47-a000-aa9a9bccc07a_totalLabel_en-US" xlink:label="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase decrease in cash and cash equivalents including companies held for sale</link:label>
    <link:label id="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale_label_en-US" xlink:label="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase decrease in cash and cash equivalents including companies held for sale</link:label>
    <link:label id="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale_documentation_en-US" xlink:label="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase decrease in cash and cash equivalents including companies held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" xlink:href="bbva-20221231.xsd#bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" xlink:to="lab_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock_5c6f746a-fb7e-4140-9ed0-cefe38424ce0_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of non trading financial assets mandatorily at fair value through profit or loss [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of non trading financial assets mandatorily at fair value through profit or loss [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:to="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember_a9295b5f-dc5e-4304-9e46-f6d183123b3a_terseLabel_en-US" xlink:label="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Present value of defined benefit obligation [member]</link:label>
    <link:label id="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember_label_en-US" xlink:label="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Present value of defined benefit obligation [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PresentValueOfDefinedBenefitObligationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:to="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherEquityInterestMember_21bf49b1-fcb0-4d5f-ad48-2c320923553f_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other equity interest [member]</link:label>
    <link:label id="lab_ifrs-full_OtherEquityInterestMember_label_en-US" xlink:label="lab_ifrs-full_OtherEquityInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other equity interest [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherEquityInterestMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherEquityInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherEquityInterestMember" xlink:to="lab_ifrs-full_OtherEquityInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AppointmentsCommitteeMember_3bf70df7-cc96-4428-8a50-74205c133363_terseLabel_en-US" xlink:label="lab_bbva_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Appointments Committee [Member]</link:label>
    <link:label id="lab_bbva_AppointmentsCommitteeMember_label_en-US" xlink:label="lab_bbva_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Appointments Committee [Member]</link:label>
    <link:label id="lab_bbva_AppointmentsCommitteeMember_documentation_en-US" xlink:label="lab_bbva_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Appointments Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AppointmentsCommitteeMember" xlink:href="bbva-20221231.xsd#bbva_AppointmentsCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AppointmentsCommitteeMember" xlink:to="lab_bbva_AppointmentsCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IntanbileAssetsMember_8b90786f-6baa-435f-a652-8f8c05872363_terseLabel_en-US" xlink:label="lab_bbva_IntanbileAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intanbile assets [Member]</link:label>
    <link:label id="lab_bbva_IntanbileAssetsMember_label_en-US" xlink:label="lab_bbva_IntanbileAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intanbile assets [Member]</link:label>
    <link:label id="lab_bbva_IntanbileAssetsMember_documentation_en-US" xlink:label="lab_bbva_IntanbileAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intanbile assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IntanbileAssetsMember" xlink:href="bbva-20221231.xsd#bbva_IntanbileAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IntanbileAssetsMember" xlink:to="lab_bbva_IntanbileAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax_472233dd-dcf3-406e-a23c-b6c88dd0b380_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassified to profit or loss, net of tax</link:label>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NegativeScenarioMember_995ed043-e14b-411e-84c8-29bc873315e6_terseLabel_en-US" xlink:label="lab_bbva_NegativeScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative scenario [Member]</link:label>
    <link:label id="lab_bbva_NegativeScenarioMember_label_en-US" xlink:label="lab_bbva_NegativeScenarioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative scenario [Member]</link:label>
    <link:label id="lab_bbva_NegativeScenarioMember_documentation_en-US" xlink:label="lab_bbva_NegativeScenarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Negative scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NegativeScenarioMember" xlink:href="bbva-20221231.xsd#bbva_NegativeScenarioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NegativeScenarioMember" xlink:to="lab_bbva_NegativeScenarioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsRiskMember_bc623249-7427-401d-b19e-4b3f4a57b858_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments risk [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsRiskMember_label_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments risk [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsRiskMember_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsRiskMember" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsRiskMember" xlink:to="lab_bbva_EquityInstrumentsRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock_7ed3e067-e29e-4d60-925f-6b48a2311233_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet [Table Text Block]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet [Table Text Block]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityTable_851187aa-2859-499d-8c4e-c887e0032c53_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of changes in equity [table]</link:label>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityTable_label_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of changes in equity [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfChangesInEquityTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfChangesInEquityTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfChangesInEquityTable" xlink:to="lab_ifrs-full_StatementOfChangesInEquityTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock_6dcb8ff8-02e0-4727-8d64-5cbefe57ef46_terseLabel_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties [Text Block]</link:label>
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    <link:label id="lab_bbva_AuditAndComplianceCommitteeMember_9573def5-672c-4ee1-baae-7c0b9549b266_terseLabel_en-US" xlink:label="lab_bbva_AuditAndComplianceCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Audit And Compliance Committee [Member]</link:label>
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    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksMember_75a02b7b-21ef-4fe1-97e4-ad599b13567b_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks [Member]</link:label>
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    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksMember_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks</link:label>
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    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember_a51d2545-8af4-4b04-995f-6a81d2ea7f68_terseLabel_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which property occupied by BBVA in listed markets [Member]</link:label>
    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember_label_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which property occupied by BBVA in listed markets [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:to="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis_122f4f69-3c52-4d0d-91bb-b3d78c4c80fd_terseLabel_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis_label_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_OfWhichSecuredFinancialInstrumentsAxis"/>
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    <link:label id="lab_ifrs-full_RevenueFromDividends_7bb3ff4f-6d33-4ad3-9af6-3903cb14a7ff_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividend income</link:label>
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    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract_8f6cc2b4-ee48-4f18-b852-813a9354ccdd_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through profit or loss [abstract]</link:label>
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    <link:label id="lab_bbva_IssueOfPreferredShares_documentation_en-US" xlink:label="lab_bbva_IssueOfPreferredShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issue of preferred shares</link:label>
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    <link:label id="lab_bbva_EndOfPeriodVaRMember_4a6a8260-fa88-4d6b-929a-774e9194fbff_terseLabel_en-US" xlink:label="lab_bbva_EndOfPeriodVaRMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">End of period VaR [Member]</link:label>
    <link:label id="lab_bbva_EndOfPeriodVaRMember_label_en-US" xlink:label="lab_bbva_EndOfPeriodVaRMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">End of period VaR [Member]</link:label>
    <link:label id="lab_bbva_EndOfPeriodVaRMember_documentation_en-US" xlink:label="lab_bbva_EndOfPeriodVaRMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">End of period VaR</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EndOfPeriodVaRMember" xlink:to="lab_bbva_EndOfPeriodVaRMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss_841e2dcc-f37d-4c16-8398-08dbe4d99f1d_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives.Cash flow hedges effective portion that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives.Cash flow hedges effective portion that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives.Cash flow hedges effective portion that will be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EmployerContributionsMember_a932843a-350c-4ac7-9666-e5e38f0704e5_terseLabel_en-US" xlink:label="lab_bbva_EmployerContributionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employer contributions [Member]</link:label>
    <link:label id="lab_bbva_EmployerContributionsMember_label_en-US" xlink:label="lab_bbva_EmployerContributionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employer contributions [Member]</link:label>
    <link:label id="lab_bbva_EmployerContributionsMember_documentation_en-US" xlink:label="lab_bbva_EmployerContributionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employer contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EmployerContributionsMember" xlink:href="bbva-20221231.xsd#bbva_EmployerContributionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EmployerContributionsMember" xlink:to="lab_bbva_EmployerContributionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LtSCDByLMULineItems_2a2b0553-e5f9-4524-984b-b658c2379144_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMULineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Line Items]</link:label>
    <link:label id="lab_bbva_LtSCDByLMULineItems_label_en-US" xlink:label="lab_bbva_LtSCDByLMULineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Line Items]</link:label>
    <link:label id="lab_bbva_LtSCDByLMULineItems_documentation_en-US" xlink:label="lab_bbva_LtSCDByLMULineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMULineItems" xlink:href="bbva-20221231.xsd#bbva_LtSCDByLMULineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LtSCDByLMULineItems" xlink:to="lab_bbva_LtSCDByLMULineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAxis_318a96be-09f0-4cde-938c-6896ded6b53c_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Axis]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAxis_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Axis]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAxis_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureAxis" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureAxis" xlink:to="lab_bbva_MaximumCreditRiskExposureAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EducationMember_f9c52600-a99c-4718-a72a-b28626b3d865_terseLabel_en-US" xlink:label="lab_bbva_EducationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Education [Member]</link:label>
    <link:label id="lab_bbva_EducationMember_label_en-US" xlink:label="lab_bbva_EducationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Education [Member]</link:label>
    <link:label id="lab_bbva_EducationMember_documentation_en-US" xlink:label="lab_bbva_EducationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Education</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EducationMember" xlink:href="bbva-20221231.xsd#bbva_EducationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EducationMember" xlink:to="lab_bbva_EducationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsOfBenefitPlan_15fc970a-fe58-4cda-9c08-ccd9e37886cd_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsOfBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of benefit plan</link:label>
    <link:label id="lab_ifrs-full_AssetsOfBenefitPlan_label_en-US" xlink:label="lab_ifrs-full_AssetsOfBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets of benefit plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsOfBenefitPlan" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AssetsOfBenefitPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsOfBenefitPlan" xlink:to="lab_ifrs-full_AssetsOfBenefitPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignExchangeAndGold_dfe97233-c1df-4da0-bba0-a4f5450c3797_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGold_label_en-US" xlink:label="lab_bbva_ForeignExchangeAndGold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGold_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeAndGold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAndGold" xlink:href="bbva-20221231.xsd#bbva_ForeignExchangeAndGold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeAndGold" xlink:to="lab_bbva_ForeignExchangeAndGold" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PersonnelExpensesLineItems_d1f132a1-0633-4409-9e25-76840bda5f94_terseLabel_en-US" xlink:label="lab_bbva_PersonnelExpensesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel expenses [Line Items]</link:label>
    <link:label id="lab_bbva_PersonnelExpensesLineItems_label_en-US" xlink:label="lab_bbva_PersonnelExpensesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel expenses [Line Items]</link:label>
    <link:label id="lab_bbva_PersonnelExpensesLineItems_documentation_en-US" xlink:label="lab_bbva_PersonnelExpensesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PersonnelExpensesLineItems" xlink:href="bbva-20221231.xsd#bbva_PersonnelExpensesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PersonnelExpensesLineItems" xlink:to="lab_bbva_PersonnelExpensesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock_264d123a-2f36-4070-8588-bced5a55cec7_terseLabel_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost covered by collateral [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock_label_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost covered by collateral [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired loans and advances at amortized cost covered by collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:to="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain_779699d3-5067-43fe-9c20-8755015e7c37_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by type of risk and type of hedge [Domain]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain_label_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by type of risk and type of hedge [Domain]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by type of risk and type of hedge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:to="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConvertiblePerpetualCertificatesMember_e18e182e-6558-43b9-a660-0e292cb3515a_terseLabel_en-US" xlink:label="lab_bbva_ConvertiblePerpetualCertificatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Convertible perpetual certificates [Member]</link:label>
    <link:label id="lab_bbva_ConvertiblePerpetualCertificatesMember_label_en-US" xlink:label="lab_bbva_ConvertiblePerpetualCertificatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Convertible perpetual certificates [Member]</link:label>
    <link:label id="lab_bbva_ConvertiblePerpetualCertificatesMember_documentation_en-US" xlink:label="lab_bbva_ConvertiblePerpetualCertificatesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Convertible perpetual certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConvertiblePerpetualCertificatesMember" xlink:href="bbva-20221231.xsd#bbva_ConvertiblePerpetualCertificatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConvertiblePerpetualCertificatesMember" xlink:to="lab_bbva_ConvertiblePerpetualCertificatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMember_0c160485-9e2c-49fb-8d44-f46b9d36e837_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given [Member]</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMember_label_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given [Member]</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMember_documentation_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesGivenMember" xlink:href="bbva-20221231.xsd#bbva_FinancialGuaranteesGivenMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialGuaranteesGivenMember" xlink:to="lab_bbva_FinancialGuaranteesGivenMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LossAllowancesMember_de71abb7-9bc7-4282-bfe6-0bf4f4429737_terseLabel_en-US" xlink:label="lab_bbva_LossAllowancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loss allowances [Member]</link:label>
    <link:label id="lab_bbva_LossAllowancesMember_label_en-US" xlink:label="lab_bbva_LossAllowancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loss allowances [Member]</link:label>
    <link:label id="lab_bbva_LossAllowancesMember_documentation_en-US" xlink:label="lab_bbva_LossAllowancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loss allowances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LossAllowancesMember" xlink:href="bbva-20221231.xsd#bbva_LossAllowancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LossAllowancesMember" xlink:to="lab_bbva_LossAllowancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AverageLCRMainLMU_0703bc68-5f62-474f-b3f8-c63bf73c0e34_terseLabel_en-US" xlink:label="lab_bbva_AverageLCRMainLMU" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average LCR main LMU</link:label>
    <link:label id="lab_bbva_AverageLCRMainLMU_label_en-US" xlink:label="lab_bbva_AverageLCRMainLMU" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average LCR main LMU</link:label>
    <link:label id="lab_bbva_AverageLCRMainLMU_documentation_en-US" xlink:label="lab_bbva_AverageLCRMainLMU" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageLCRMainLMU" xlink:href="bbva-20221231.xsd#bbva_AverageLCRMainLMU"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AverageLCRMainLMU" xlink:to="lab_bbva_AverageLCRMainLMU" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EstimatedBenefitPayments_52029a46-76ad-423e-9046-f666530b133a_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPayments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPayments_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPayments_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPayments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPayments" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPayments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPayments" xlink:to="lab_bbva_EstimatedBenefitPayments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccountingLineItems_76768e2e-1443-4987-a8c6-58e6836a79b0_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting [Line Items]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingLineItems_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting [Line Items]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingLineItems_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingLineItems" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccountingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingLineItems" xlink:to="lab_bbva_DerivativesHedgeAccountingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichCreditForConsumptionMember_b08bbc58-3c04-4436-8cf0-8bb68fd04c77_terseLabel_en-US" xlink:label="lab_bbva_OfWhichCreditForConsumptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which credit for consumption [Member]</link:label>
    <link:label id="lab_bbva_OfWhichCreditForConsumptionMember_label_en-US" xlink:label="lab_bbva_OfWhichCreditForConsumptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which credit for consumption [Member]</link:label>
    <link:label id="lab_bbva_OfWhichCreditForConsumptionMember_documentation_en-US" xlink:label="lab_bbva_OfWhichCreditForConsumptionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which credit for consumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichCreditForConsumptionMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichCreditForConsumptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichCreditForConsumptionMember" xlink:to="lab_bbva_OfWhichCreditForConsumptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost_bef8395a-2418-4bfd-9d9e-c5cdfda4825c_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Financial Assets At Amortised Cost</link:label>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Financial Assets At Amortised Cost</link:label>
    <link:label id="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost_documentation_en-US" xlink:label="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Financial Assets At Amortised Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentFinancialAssetsAtAmortisedCost" xlink:href="bbva-20221231.xsd#bbva_ImpairmentFinancialAssetsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentFinancialAssetsAtAmortisedCost" xlink:to="lab_bbva_ImpairmentFinancialAssetsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CollateralReceivedMember_9c8440e4-d3df-4225-bc39-0fa265877160_terseLabel_en-US" xlink:label="lab_bbva_CollateralReceivedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral received [Member]</link:label>
    <link:label id="lab_bbva_CollateralReceivedMember_label_en-US" xlink:label="lab_bbva_CollateralReceivedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral received [Member]</link:label>
    <link:label id="lab_bbva_CollateralReceivedMember_documentation_en-US" xlink:label="lab_bbva_CollateralReceivedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralReceivedMember" xlink:href="bbva-20221231.xsd#bbva_CollateralReceivedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CollateralReceivedMember" xlink:to="lab_bbva_CollateralReceivedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems_77d42a1d-420c-4373-a816-a4fb9048c87c_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of detailed information about hedging instruments [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of detailed information about hedging instruments [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfCustomersAxis_c601d965-b908-4127-ace3-ca556f901d39_terseLabel_en-US" xlink:label="lab_bbva_TypeOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of customers [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfCustomersAxis_label_en-US" xlink:label="lab_bbva_TypeOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of customers [Axis]</link:label>
    <link:label id="lab_bbva_TypeOfCustomersAxis_documentation_en-US" xlink:label="lab_bbva_TypeOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfCustomersAxis" xlink:href="bbva-20221231.xsd#bbva_TypeOfCustomersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfCustomersAxis" xlink:to="lab_bbva_TypeOfCustomersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies_cd4eb02a-f816-4d3f-a052-7408623ad113_terseLabel_en-US" xlink:label="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidation reserves attributed to the bank and subsidiary consolidated companies</link:label>
    <link:label id="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies_label_en-US" xlink:label="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidation reserves attributed to the bank and subsidiary consolidated companies</link:label>
    <link:label id="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies_documentation_en-US" xlink:label="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consolidation reserves attributed to the bank and subsidiary consolidated companies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:href="bbva-20221231.xsd#bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:to="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EarningsPerShareAbstract_e1448957-3762-4fea-a62f-d3f1b544e6dc_terseLabel_en-US" xlink:label="lab_ifrs-full_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Earnings per share [abstract]</link:label>
    <link:label id="lab_ifrs-full_EarningsPerShareAbstract_label_en-US" xlink:label="lab_ifrs-full_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Earnings per share [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EarningsPerShareAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EarningsPerShareAbstract" xlink:to="lab_ifrs-full_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsLineItems_eff36302-7c73-4595-a947-3ecbd109a9b7_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets [Line Items]</link:label>
    <link:label id="lab_bbva_OtherAssetsLineItems_label_en-US" xlink:label="lab_bbva_OtherAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets [Line Items]</link:label>
    <link:label id="lab_bbva_OtherAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_OtherAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsLineItems" xlink:href="bbva-20221231.xsd#bbva_OtherAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsLineItems" xlink:to="lab_bbva_OtherAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsLineItems_438428af-ad21-4b93-a619-a5e25ebfc6eb_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Line Items]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsLineItems_label_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Line Items]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsLineItems_documentation_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:href="bbva-20221231.xsd#bbva_MaturityOfFuturePaymentObligationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:to="lab_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FixedInterestRateMember_215d37d0-f986-4850-87d2-e965edbfacb7_terseLabel_en-US" xlink:label="lab_ifrs-full_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed interest rate [member]</link:label>
    <link:label id="lab_ifrs-full_FixedInterestRateMember_label_en-US" xlink:label="lab_ifrs-full_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed interest rate [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FixedInterestRateMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FixedInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FixedInterestRateMember" xlink:to="lab_ifrs-full_FixedInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentMember_9a8f7c85-dbfe-4a7a-b4c8-a447be911d9f_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current [Member]</link:label>
    <link:label id="lab_ifrs-full_CurrentMember_label_en-US" xlink:label="lab_ifrs-full_CurrentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CurrentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentMember" xlink:to="lab_ifrs-full_CurrentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory_bebfe16e-46f1-4587-92fa-f7f588279f97_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of intangible assets [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of intangible assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfIntangibleAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems_19ef0a9b-dcba-46a1-93c9-1c5d27c2c1ae_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration senior management [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration senior management [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual fixed remuneration senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:href="bbva-20221231.xsd#bbva_AnnualFixedRemunerationSeniorManagementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:to="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems_7a5ecd15-6add-4088-aa0b-788e3328e5dc_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 Changes in the year [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 Changes in the year [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 Changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:to="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax_947aa2b9-fb59-4cd1-a140-6fd09b228c19_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, before tax</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalPlanAssetsBreakdownMember_7b8bfbfd-a18e-4c6d-a1e2-ecef71ddbbb0_terseLabel_en-US" xlink:label="lab_bbva_TotalPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_TotalPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_TotalPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_TotalPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_TotalPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalPlanAssetsBreakdownMember" xlink:href="bbva-20221231.xsd#bbva_TotalPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalPlanAssetsBreakdownMember" xlink:to="lab_bbva_TotalPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember_3a8399b6-2afb-44e3-a127-3fb9462eac5c_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible Assets With Indefinite Useful Life</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets with indefinite useful life [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember" xlink:to="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeStatementAbstract_label_en-US" xlink:label="lab_ifrs-full_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeStatementAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeStatementAbstract" xlink:to="lab_ifrs-full_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LoansAndReceivablesCategoryMember_28efa916-8799-4c66-a7c9-9adba7171524_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and receivables, category [member]</link:label>
    <link:label id="lab_ifrs-full_LoansAndReceivablesCategoryMember_label_en-US" xlink:label="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and receivables, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndReceivablesCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LoansAndReceivablesCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndReceivablesCategoryMember" xlink:to="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationLineItems_038bc83a-ee9d-44a6-9f50-5f867d67e0f8_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration [Line Items]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationLineItems_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration [Line Items]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationLineItems_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:href="bbva-20221231.xsd#bbva_DeferredAnnualVariableRemunerationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory_36ac211d-bfd2-4d39-809e-b1ded7fc29ec_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial instruments at fair value through profit or loss [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial instruments at fair value through profit or loss [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:to="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock_69a88266-9cfa-4422-96ea-ffaafc91a633_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for leases [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for leases [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForLeasesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsTableTextBlock_4803833c-c6bd-442a-ba62-a7b19802e9f7_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments [Table Text Block]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsTableTextBlock_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments [Table Text Block]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPaymentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:to="lab_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis_bd9db532-9b0a-40c9-9ec0-94d85eb18a70_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsLevel3SensitivityAnalysisAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:to="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVABBRatingMember_22a31e26-6eb4-4de7-bf62-044c57a7a2c9_terseLabel_en-US" xlink:label="lab_bbva_BBVABBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBRatingMember_label_en-US" xlink:label="lab_bbva_BBVABBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABBRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABBRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVABBRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVABBRatingMember" xlink:to="lab_bbva_BBVABBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditDerivativesMember_0427a1ea-022a-470c-9131-5b7162ab1def_terseLabel_en-US" xlink:label="lab_bbva_CreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit derivatives [Member]</link:label>
    <link:label id="lab_bbva_CreditDerivativesMember_label_en-US" xlink:label="lab_bbva_CreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit derivatives [Member]</link:label>
    <link:label id="lab_bbva_CreditDerivativesMember_documentation_en-US" xlink:label="lab_bbva_CreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDerivativesMember" xlink:href="bbva-20221231.xsd#bbva_CreditDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditDerivativesMember" xlink:to="lab_bbva_CreditDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems_c503260f-ce60-47b4-b6e0-a3c2ed6f60f6_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtAmortisedCostLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureTableTextBlock_de7b23d6-7bc1-4a64-ad43-bb12411c2226_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureTableTextBlock_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:to="lab_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccountingMember_3134eecd-ccb5-484f-826a-ad37df0ee5d2_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingMember" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccountingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingMember" xlink:to="lab_bbva_DerivativesHedgeAccountingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier1PhasedInMember_a976a482-f3df-4cc7-9f50-a54e281464c1_terseLabel_en-US" xlink:label="lab_bbva_Tier1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 phased in [Member]</link:label>
    <link:label id="lab_bbva_Tier1PhasedInMember_label_en-US" xlink:label="lab_bbva_Tier1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 phased in [Member]</link:label>
    <link:label id="lab_bbva_Tier1PhasedInMember_documentation_en-US" xlink:label="lab_bbva_Tier1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 phased in</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier1PhasedInMember" xlink:href="bbva-20221231.xsd#bbva_Tier1PhasedInMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier1PhasedInMember" xlink:to="lab_bbva_Tier1PhasedInMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLiabilitiesTransactionsInProgress_61f4a104-4ac6-465f-81eb-134d7d67dcb9_terseLabel_en-US" xlink:label="lab_bbva_OtherLiabilitiesTransactionsInProgress" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities Transactions In Progress</link:label>
    <link:label id="lab_bbva_OtherLiabilitiesTransactionsInProgress_label_en-US" xlink:label="lab_bbva_OtherLiabilitiesTransactionsInProgress" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities Transactions In Progress</link:label>
    <link:label id="lab_bbva_OtherLiabilitiesTransactionsInProgress_documentation_en-US" xlink:label="lab_bbva_OtherLiabilitiesTransactionsInProgress" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities Transactions In Progress</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLiabilitiesTransactionsInProgress" xlink:href="bbva-20221231.xsd#bbva_OtherLiabilitiesTransactionsInProgress"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherLiabilitiesTransactionsInProgress" xlink:to="lab_bbva_OtherLiabilitiesTransactionsInProgress" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock_59bfdbcf-d24c-4a0e-af19-4f4da7bc2911_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets and liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock"/>
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    <link:label id="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization_73e8189d-b0d9-47d6-ab14-7cdb6270b31f_terseLabel_en-US" xlink:label="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Firms belonging to the EY worldwide organization</link:label>
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    <link:label id="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization_documentation_en-US" xlink:label="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Firms belonging to the EY worldwide organization</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:to="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale_0845cffa-3f63-4a91-8eab-c84e647bedfd_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Of Non Current Assets Held For Sale</link:label>
    <link:label id="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Of Non Current Assets Held For Sale</link:label>
    <link:label id="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment Of Non Current Assets Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOfNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems_09b950e5-e74f-4d73-a212-340f05b7e23e_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted and other related services [Line Items]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems_label_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted and other related services [Line Items]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems_documentation_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted and other related services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:href="bbva-20221231.xsd#bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:to="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryAxis_0bcdca5f-eab3-4980-a466-71ab0991c694_terseLabel_en-US" xlink:label="lab_bbva_CondensedConsolidatedIncomeStatementsOfCompaniesSoldInTheUSASubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed consolidated income statements of companies sold in the USA subsidiary [Axis]</link:label>
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    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember_801aa808-c0ab-42d4-b325-a0f2671a120d_terseLabel_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non convertible subordinated liabilities [Member]</link:label>
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    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other non convertible subordinated liabilities</link:label>
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    <link:label id="lab_bbva_DepositsFromCentralBanksHeldForTrading_30725f90-887a-4320-9b0f-ee8765ec8dd2_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from central banks held for trading</link:label>
    <link:label id="lab_bbva_DepositsFromCentralBanksHeldForTrading_label_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from central banks held for trading</link:label>
    <link:label id="lab_bbva_DepositsFromCentralBanksHeldForTrading_documentation_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from central banks held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCentralBanksHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_DepositsFromCentralBanksHeldForTrading"/>
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    <link:label id="lab_bbva_InformationAndCommunicationsMember_acb89581-e594-485c-8343-5b20f2eff416_terseLabel_en-US" xlink:label="lab_bbva_InformationAndCommunicationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information and communications [Member]</link:label>
    <link:label id="lab_bbva_InformationAndCommunicationsMember_label_en-US" xlink:label="lab_bbva_InformationAndCommunicationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information and communications [Member]</link:label>
    <link:label id="lab_bbva_InformationAndCommunicationsMember_documentation_en-US" xlink:label="lab_bbva_InformationAndCommunicationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information and communications</link:label>
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    <link:label id="lab_bbva_AmountsTransferredToReserves_046b4d13-7156-4f39-95ac-d0da2a819d01_terseLabel_en-US" xlink:label="lab_bbva_AmountsTransferredToReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts transferred to reserves</link:label>
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    <link:label id="lab_bbva_AmountsTransferredToReserves_documentation_en-US" xlink:label="lab_bbva_AmountsTransferredToReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amounts transferred to reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountsTransferredToReserves" xlink:href="bbva-20221231.xsd#bbva_AmountsTransferredToReserves"/>
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    <link:label id="lab_bbva_VaRAverageInTheYearMember_dee5c3b6-a806-4b56-8cb1-e274ee95ef17_terseLabel_en-US" xlink:label="lab_bbva_VaRAverageInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR average in the year [Member]</link:label>
    <link:label id="lab_bbva_VaRAverageInTheYearMember_label_en-US" xlink:label="lab_bbva_VaRAverageInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR average in the year [Member]</link:label>
    <link:label id="lab_bbva_VaRAverageInTheYearMember_documentation_en-US" xlink:label="lab_bbva_VaRAverageInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR average in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRAverageInTheYearMember" xlink:href="bbva-20221231.xsd#bbva_VaRAverageInTheYearMember"/>
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    <link:label id="lab_bbva_DefinedContributionPlanExpense_72920771-5aaf-4ec9-85dc-c02fe3f43a3e_terseLabel_en-US" xlink:label="lab_bbva_DefinedContributionPlanExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined contribution plan expense</link:label>
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    <link:label id="lab_bbva_DefinedContributionPlanExpense_documentation_en-US" xlink:label="lab_bbva_DefinedContributionPlanExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined contribution plan expense</link:label>
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    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis_c5196e0c-c258-4aea-9aaa-f0cc2a54cfb6_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities [Axis]</link:label>
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    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_de96fc85-3f6a-4bc7-85b8-151803090648_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest revenue for financial assets measured at fair value through other comprehensive income</link:label>
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    <link:label id="lab_bbva_BBVAmericaSLMember_fd06d5b6-7a2b-45a9-9e02-b4fcfabd3c65_terseLabel_en-US" xlink:label="lab_bbva_BBVAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBV America SL [Member]</link:label>
    <link:label id="lab_bbva_BBVAmericaSLMember_label_en-US" xlink:label="lab_bbva_BBVAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBV America SL [Member]</link:label>
    <link:label id="lab_bbva_BBVAmericaSLMember_documentation_en-US" xlink:label="lab_bbva_BBVAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBV America SL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAmericaSLMember" xlink:href="bbva-20221231.xsd#bbva_BBVAmericaSLMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAmericaSLMember" xlink:to="lab_bbva_BBVAmericaSLMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis_bf60fb9b-3817-4928-9580-69edeeef0fa5_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:to="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis_0c4203c3-81f6-4f69-ad3c-b8a8794bf3ed_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets changes of the year [Axis]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis_label_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets changes of the year [Axis]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis_documentation_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other intangible assets changes of the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:href="bbva-20221231.xsd#bbva_OtherIntangibleAssetsChangesOfTheYearAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:to="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain_b5db7864-08f1-49c7-91ff-25ce1fe5fb77_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:to="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock_b469bcc6-780e-48b3-b2b2-e1a0414fd306_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock_label_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_MaturityOfFuturePaymentObligationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:to="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DemandAccounts_dc7417da-4088-4a38-bae7-54aba2641296_terseLabel_en-US" xlink:label="lab_bbva_DemandAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand accounts</link:label>
    <link:label id="lab_bbva_DemandAccounts_label_en-US" xlink:label="lab_bbva_DemandAccounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand accounts</link:label>
    <link:label id="lab_bbva_DemandAccounts_documentation_en-US" xlink:label="lab_bbva_DemandAccounts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Demand accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DemandAccounts" xlink:href="bbva-20221231.xsd#bbva_DemandAccounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DemandAccounts" xlink:to="lab_bbva_DemandAccounts" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRByRiskFactor_bff908ad-b22d-4cb0-973c-a0602c50fc61_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactor" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
    <link:label id="lab_bbva_VaRByRiskFactor_label_en-US" xlink:label="lab_bbva_VaRByRiskFactor" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
    <link:label id="lab_bbva_VaRByRiskFactor_documentation_en-US" xlink:label="lab_bbva_VaRByRiskFactor" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactor" xlink:href="bbva-20221231.xsd#bbva_VaRByRiskFactor"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRByRiskFactor" xlink:to="lab_bbva_VaRByRiskFactor" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock_3f4a3904-0d30-4e1e-8b1a-1aae9d934d14_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of contingent risk and commitments [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock_label_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of contingent risk and commitments [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of contingent risk and commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" xlink:to="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentAnnualReport_6908d9be-c904-4f24-b989-92ffe8fb0d46_terseLabel_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Annual Report</link:label>
    <link:label id="lab_dei_DocumentAnnualReport_label_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Annual Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentAnnualReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAnnualReport" xlink:to="lab_dei_DocumentAnnualReport" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities_e7fb0931-dc81-4a86-b9cf-e93dd0aa3004_terseLabel_en-US" xlink:label="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase decrease through acquisition financing activities liabilities</link:label>
    <link:label id="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities_label_en-US" xlink:label="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase decrease through acquisition financing activities liabilities</link:label>
    <link:label id="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities_documentation_en-US" xlink:label="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase decrease through acquisition financing activities liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities" xlink:href="bbva-20221231.xsd#bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities" xlink:to="lab_bbva_IncreaseDecreaseThroughAcquisitionFinancingActivitiesLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFinancialLiabilities_c30fbd90-2ead-448f-bc44-6fd677df5de0_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
    <link:label id="lab_ifrs-full_OtherFinancialLiabilities_label_en-US" xlink:label="lab_ifrs-full_OtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other financial liabilities</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherFinancialLiabilities" xlink:to="lab_ifrs-full_OtherFinancialLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock_1bf3e1a3-3544-48eb-a6c4-b5d9f6dd0a68_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Nature Of The Financial Instrument [Table Text Block]</link:label>
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    <link:label id="lab_bbva_ImpairmentOfTangibleAssets_62b3bcf0-ee03-4096-b2c3-f77f91b7ae96_periodStartLabel_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment of tangible assets</link:label>
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    <link:label id="lab_bbva_ImpairmentOfTangibleAssets_label_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment of tangible assets</link:label>
    <link:label id="lab_bbva_ImpairmentOfTangibleAssets_documentation_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOfTangibleAssets" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOfTangibleAssets"/>
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    <link:label id="lab_srt_StatementGeographicalAxis_545047e3-1912-4822-8a01-5274222ddd7d_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:label id="lab_srt_StatementGeographicalAxis_label_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical [Axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementGeographicalAxis" xlink:to="lab_srt_StatementGeographicalAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MainInputsUsed_5b8e128d-46d8-4515-a0d1-e1fb3b431a93_terseLabel_en-US" xlink:label="lab_bbva_MainInputsUsed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main inputs used</link:label>
    <link:label id="lab_bbva_MainInputsUsed_label_en-US" xlink:label="lab_bbva_MainInputsUsed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main inputs used</link:label>
    <link:label id="lab_bbva_MainInputsUsed_documentation_en-US" xlink:label="lab_bbva_MainInputsUsed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main inputs used</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainInputsUsed" xlink:href="bbva-20221231.xsd#bbva_MainInputsUsed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MainInputsUsed" xlink:to="lab_bbva_MainInputsUsed" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxTaxLosses_23403d74-fe10-4fbf-bae7-3e1d0984d867_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxTaxLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax tax losses</link:label>
    <link:label id="lab_bbva_DeferredTaxTaxLosses_label_en-US" xlink:label="lab_bbva_DeferredTaxTaxLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax tax losses</link:label>
    <link:label id="lab_bbva_DeferredTaxTaxLosses_documentation_en-US" xlink:label="lab_bbva_DeferredTaxTaxLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax tax losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxTaxLosses" xlink:href="bbva-20221231.xsd#bbva_DeferredTaxTaxLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxTaxLosses" xlink:to="lab_bbva_DeferredTaxTaxLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock_d154cff8-d45d-4d90-ae44-6f418500d565_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on non financial assets [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on non financial assets [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on non financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:to="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherInterestExpense_23b5798a-fb46-45c6-bb86-cb237d694b84_terseLabel_en-US" xlink:label="lab_bbva_OtherInterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Interest Expense</link:label>
    <link:label id="lab_bbva_OtherInterestExpense_label_en-US" xlink:label="lab_bbva_OtherInterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Interest Expense</link:label>
    <link:label id="lab_bbva_OtherInterestExpense_documentation_en-US" xlink:label="lab_bbva_OtherInterestExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherInterestExpense" xlink:href="bbva-20221231.xsd#bbva_OtherInterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherInterestExpense" xlink:to="lab_bbva_OtherInterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTable_3e32e3e4-5085-4b89-8210-3abbd0a3df4e_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities by contractual periods [Table]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTable_label_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities by contractual periods [Table]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTable_documentation_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities by contractual periods</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:href="bbva-20221231.xsd#bbva_ResidualMaturitiesByContractualPeriodsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:to="lab_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashOnHand_304d4d74-df31-40e7-815f-755640a224bb_terseLabel_en-US" xlink:label="lab_ifrs-full_CashOnHand" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash on hand</link:label>
    <link:label id="lab_ifrs-full_CashOnHand_label_en-US" xlink:label="lab_ifrs-full_CashOnHand" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash on hand</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashOnHand" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashOnHand"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashOnHand" xlink:to="lab_ifrs-full_CashOnHand" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditInstitutionsDepositsMember_61aec732-fa2f-4b76-b45a-18da5446ffec_terseLabel_en-US" xlink:label="lab_bbva_CreditInstitutionsDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit institutions deposits [Member]</link:label>
    <link:label id="lab_bbva_CreditInstitutionsDepositsMember_label_en-US" xlink:label="lab_bbva_CreditInstitutionsDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit institutions deposits [Member]</link:label>
    <link:label id="lab_bbva_CreditInstitutionsDepositsMember_documentation_en-US" xlink:label="lab_bbva_CreditInstitutionsDepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit institutions deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditInstitutionsDepositsMember" xlink:href="bbva-20221231.xsd#bbva_CreditInstitutionsDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditInstitutionsDepositsMember" xlink:to="lab_bbva_CreditInstitutionsDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement_c7223009-285b-4dd9-9649-b9521581ed45_terseLabel_en-US" xlink:label="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provision expense impact on income statement</link:label>
    <link:label id="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement_label_en-US" xlink:label="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provision expense impact on income statement</link:label>
    <link:label id="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement_documentation_en-US" xlink:label="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provision expense impact on income statement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:href="bbva-20221231.xsd#bbva_OtherProvisionExpenseImpactOnIncomeStatement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:to="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentTable_dfcec212-4d3e-45c5-951d-5a41b3326e8f_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instrument [Table]</link:label>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentTable_label_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instrument [Table]</link:label>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentTable_documentation_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiquidityAvailableByInstrumentTable" xlink:href="bbva-20221231.xsd#bbva_LiquidityAvailableByInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiquidityAvailableByInstrumentTable" xlink:to="lab_bbva_LiquidityAvailableByInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfProvisionsExplanatory_e1498a1e-7d83-423e-b667-25ebc8553b50_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of provisions [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfProvisionsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of provisions [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfProvisionsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain_278b2a1a-e17a-471a-98e2-ddb517a31c08_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by country [Domain]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by country [Domain]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments breakdown by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_PostEmploymentCommitmentsBreakdownByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:to="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityAnalysisTableTextBlock_0b2f47c7-4403-462c-a9d3-9c6374d78782_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Table Text Block]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisTableTextBlock_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis [Table Text Block]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_SensitivityAnalysisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisTableTextBlock" xlink:to="lab_bbva_SensitivityAnalysisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsLineItems_f893d895-a00b-440d-87b5-9263b65b031d_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments [Line Items]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsLineItems_label_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments [Line Items]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsLineItems_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsLineItems" xlink:href="bbva-20221231.xsd#bbva_PostEmploymentCommitmentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentCommitmentsLineItems" xlink:to="lab_bbva_PostEmploymentCommitmentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalSecuredTaxAssets_a144d32d-4b9e-4fe8-9100-45ea8898e2aa_terseLabel_en-US" xlink:label="lab_bbva_TotalSecuredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total secured tax assets</link:label>
    <link:label id="lab_bbva_TotalSecuredTaxAssets_label_en-US" xlink:label="lab_bbva_TotalSecuredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total secured tax assets</link:label>
    <link:label id="lab_bbva_TotalSecuredTaxAssets_documentation_en-US" xlink:label="lab_bbva_TotalSecuredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalSecuredTaxAssets" xlink:href="bbva-20221231.xsd#bbva_TotalSecuredTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalSecuredTaxAssets" xlink:to="lab_bbva_TotalSecuredTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeesAndCommissionExpenseTableTextBlock_9133ae02-6c92-46a5-8934-ddce35b49194_terseLabel_en-US" xlink:label="lab_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees and commission expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeesAndCommissionExpenseTableTextBlock_label_en-US" xlink:label="lab_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees and commission expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeesAndCommissionExpenseTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees and commission expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FeesAndCommissionExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:to="lab_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherExpenseByFunction_a9ca5c19-63a2-42ac-8faa-b5fed3dcf7ff_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherExpenseByFunction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other expense, by function</link:label>
    <link:label id="lab_ifrs-full_OtherExpenseByFunction_label_en-US" xlink:label="lab_ifrs-full_OtherExpenseByFunction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other expense, by function</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherExpenseByFunction" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherExpenseByFunction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherExpenseByFunction" xlink:to="lab_ifrs-full_OtherExpenseByFunction" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsLiabilitiesOfBenefitPlan_0d72188d-3f6e-4efd-bbdc-dcaedd1f3a30_periodStartLabel_en-US" xlink:label="lab_ifrs-full_AssetsLiabilitiesOfBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net assets available for benefits at beginning of period</link:label>
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    <link:label id="lab_bbva_DepositsFromCreditInstitutions_c4bff1ff-aba0-4e59-ac14-912683676a9a_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from credit institutions</link:label>
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    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain_f084aa8b-d006-4063-841a-37140e3c58e1_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result [Domain]</link:label>
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    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost_95f6f594-b47d-4f6c-8f8b-b37519b72c9b_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks at amortised cost</link:label>
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    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances to central banks at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost" xlink:href="bbva-20221231.xsd#bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost"/>
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    <link:label id="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember_ad3e95e9-0859-427a-8db1-a55cc9452291_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment medical benefits equity impact [Member]</link:label>
    <link:label id="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember_label_en-US" xlink:label="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment medical benefits equity impact [Member]</link:label>
    <link:label id="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember_documentation_en-US" xlink:label="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Post employment medical benefits equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:href="bbva-20221231.xsd#bbva_PostEmploymentMedicalBenefitsEquityImpactMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:to="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GovernmentMember_deaafe1a-446f-4814-aabb-aa73d63350a9_terseLabel_en-US" xlink:label="lab_ifrs-full_GovernmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Government [member]</link:label>
    <link:label id="lab_ifrs-full_GovernmentMember_label_en-US" xlink:label="lab_ifrs-full_GovernmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Government [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GovernmentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GovernmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GovernmentMember" xlink:to="lab_ifrs-full_GovernmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember_42f26292-076e-4fb8-b155-338256215c5c_terseLabel_en-US" xlink:label="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Own debt securities issued other than own covered bonds [Member]</link:label>
    <link:label id="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember_label_en-US" xlink:label="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Own debt securities issued other than own covered bonds [Member]</link:label>
    <link:label id="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember_documentation_en-US" xlink:label="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Own debt securities issued other than own covered bonds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:href="bbva-20221231.xsd#bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:to="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryAxis_fd669beb-9ddf-41e9-9bff-c7a3960bde60_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments by country [Axis]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryAxis_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments by country [Axis]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryAxis_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated benefit payments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:href="bbva-20221231.xsd#bbva_EstimatedBenefitPaymentsByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:to="lab_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityShellCompany_6bf8432e-c93e-44db-baea-4d00c30d18ee_terseLabel_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Shell Company</link:label>
    <link:label id="lab_dei_EntityShellCompany_label_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Shell Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityShellCompany"/>
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    <link:label id="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember_28eccf4b-eb6a-449d-90e9-76d20426f38a_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember_label_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments risk hedge cash flow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsRiskHedgeCashFlowMember"/>
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    <link:label id="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_8af4e3ca-2cdd-4e34-992c-9a208e2585f4_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Contributions to plan by employer, net defined benefit liability (asset)</link:label>
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    <link:label id="lab_bbva_BBVACCRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVACCRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA CC Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVACCRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVACCRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVACCRatingMember" xlink:to="lab_bbva_BBVACCRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable_60e3358c-6884-43ed-8b62-c679b0f5046b_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances of loans and advances at amortized cost [Table]</link:label>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable_label_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances of loans and advances at amortized cost [Table]</link:label>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable_documentation_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gross accounting balances of loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:href="bbva-20221231.xsd#bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:to="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorLineItems_label_en-US" xlink:label="lab_dei_AuditorLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLineItems" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AuditorLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorLineItems" xlink:to="lab_dei_AuditorLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeByOriginLineItems_86aabf64-ba7d-471c-911b-2de2b52db14f_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income by origin [Line Items]</link:label>
    <link:label id="lab_bbva_InterestIncomeByOriginLineItems_label_en-US" xlink:label="lab_bbva_InterestIncomeByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income by origin [Line Items]</link:label>
    <link:label id="lab_bbva_InterestIncomeByOriginLineItems_documentation_en-US" xlink:label="lab_bbva_InterestIncomeByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeByOriginLineItems" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeByOriginLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeByOriginLineItems" xlink:to="lab_bbva_InterestIncomeByOriginLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestRateDomain_98c127ce-3fc3-4a97-94ad-4f517498a7ca_terseLabel_en-US" xlink:label="lab_bbva_InterestRateDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate [Domain]</link:label>
    <link:label id="lab_bbva_InterestRateDomain_label_en-US" xlink:label="lab_bbva_InterestRateDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate [Domain]</link:label>
    <link:label id="lab_bbva_InterestRateDomain_documentation_en-US" xlink:label="lab_bbva_InterestRateDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRateDomain" xlink:href="bbva-20221231.xsd#bbva_InterestRateDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestRateDomain" xlink:to="lab_bbva_InterestRateDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FurnitureMember_79275ca3-2c06-4949-96ee-f6140352f416_terseLabel_en-US" xlink:label="lab_bbva_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Furniture [Member]</link:label>
    <link:label id="lab_bbva_FurnitureMember_label_en-US" xlink:label="lab_bbva_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Furniture [Member]</link:label>
    <link:label id="lab_bbva_FurnitureMember_documentation_en-US" xlink:label="lab_bbva_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Furniture</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FurnitureMember" xlink:href="bbva-20221231.xsd#bbva_FurnitureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FurnitureMember" xlink:to="lab_bbva_FurnitureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems_7f021a54-013e-4d00-b2c2-76e23c462b58_terseLabel_en-US" xlink:label="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of offsetting for derivatives and securities operation [Line Items]</link:label>
    <link:label id="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems_label_en-US" xlink:label="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of offsetting for derivatives and securities operation [Line Items]</link:label>
    <link:label id="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems_documentation_en-US" xlink:label="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of offsetting for derivatives and securities operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:href="bbva-20221231.xsd#bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:to="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember_2f04405b-6df3-4c95-904d-1a787d119f91_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity Instruments Issued Other Than Capital [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember_label_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity Instruments Issued Other Than Capital [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity Instruments Issued Other Than Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsIssuedOtherThanCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:to="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueAndCarryingValueAxis_2b2d8813-dca8-419f-a40d-92fbbe9891c7_terseLabel_en-US" xlink:label="lab_bbva_FairValueAndCarryingValueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying value [Axis]</link:label>
    <link:label id="lab_bbva_FairValueAndCarryingValueAxis_label_en-US" xlink:label="lab_bbva_FairValueAndCarryingValueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying value [Axis]</link:label>
    <link:label id="lab_bbva_FairValueAndCarryingValueAxis_documentation_en-US" xlink:label="lab_bbva_FairValueAndCarryingValueAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value and carrying value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueAndCarryingValueAxis" xlink:href="bbva-20221231.xsd#bbva_FairValueAndCarryingValueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueAndCarryingValueAxis" xlink:to="lab_bbva_FairValueAndCarryingValueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TreasurySharesMember_a8247bb8-8c17-4f4a-817c-dd0265c02c0d_terseLabel_en-US" xlink:label="lab_ifrs-full_TreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [member]</link:label>
    <link:label id="lab_ifrs-full_TreasurySharesMember_label_en-US" xlink:label="lab_ifrs-full_TreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TreasurySharesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_TreasurySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TreasurySharesMember" xlink:to="lab_ifrs-full_TreasurySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeOrExpenseMember_1edd6ebf-cdd2-4fa4-8552-ea01bfa8fcf9_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeOrExpenseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income or expense [Member]</link:label>
    <link:label id="lab_bbva_InterestIncomeOrExpenseMember_label_en-US" xlink:label="lab_bbva_InterestIncomeOrExpenseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income or expense [Member]</link:label>
    <link:label id="lab_bbva_InterestIncomeOrExpenseMember_documentation_en-US" xlink:label="lab_bbva_InterestIncomeOrExpenseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income or expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeOrExpenseMember" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeOrExpenseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeOrExpenseMember" xlink:to="lab_bbva_InterestIncomeOrExpenseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseOfImpairedAssets_d0aacb76-546b-4c02-b88b-f223681913ff_terseLabel_en-US" xlink:label="lab_bbva_DecreaseOfImpairedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease of impaired assets</link:label>
    <link:label id="lab_bbva_DecreaseOfImpairedAssets_label_en-US" xlink:label="lab_bbva_DecreaseOfImpairedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease of impaired assets</link:label>
    <link:label id="lab_bbva_DecreaseOfImpairedAssets_documentation_en-US" xlink:label="lab_bbva_DecreaseOfImpairedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease of impaired assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseOfImpairedAssets" xlink:href="bbva-20221231.xsd#bbva_DecreaseOfImpairedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseOfImpairedAssets" xlink:to="lab_bbva_DecreaseOfImpairedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_a98da1c4-b7ee-4e21-8e21-d1c6b3c24838_terseLabel_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_label_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:to="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityAttributableToOwnersOfParentMember_02042851-0488-424a-aa4d-8a762b17f3fe_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity attributable to owners of parent [member]</link:label>
    <link:label id="lab_ifrs-full_EquityAttributableToOwnersOfParentMember_label_en-US" xlink:label="lab_ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity attributable to owners of parent [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EquityAttributableToOwnersOfParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="lab_ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities_5c86f552-372d-4abe-8713-b088f3082b39_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) financing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:to="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAgreementsHedgeAccountingMember_0380f032-4725-4a17-b2bf-748d8bf147e3_terseLabel_en-US" xlink:label="lab_bbva_OtherAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_OtherAgreementsHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_OtherAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_OtherAgreementsHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_OtherAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAgreementsHedgeAccountingMember" xlink:href="bbva-20221231.xsd#bbva_OtherAgreementsHedgeAccountingMember"/>
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    <link:label id="lab_ifrs-full_OtherEmployeeExpense_3887e05a-40dd-4acc-b391-2cfea8afd726_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEmployeeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other employee expense</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherEmployeeExpense" xlink:to="lab_ifrs-full_OtherEmployeeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract_f83e0dd7-e81e-423a-9468-c69c5980dac8_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income [abstract]</link:label>
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    <link:label id="lab_bbva_TotalImpactOnEquityDebitCredit_602d5b3e-c12d-4eaf-8728-0c16a3513403_terseLabel_en-US" xlink:label="lab_bbva_TotalImpactOnEquityDebitCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total impact on equity debit credit</link:label>
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    <link:label id="lab_bbva_TotalImpactOnEquityDebitCredit_documentation_en-US" xlink:label="lab_bbva_TotalImpactOnEquityDebitCredit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total impact on equity debit credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalImpactOnEquityDebitCredit" xlink:href="bbva-20221231.xsd#bbva_TotalImpactOnEquityDebitCredit"/>
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    <link:label id="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain_70247c20-7645-48de-ae92-5be8beaa066b_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on derivatives breakdown by financial instrument classes of financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on derivatives breakdown by financial instrument classes of financial instruments [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain"/>
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    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss_051b4967-869c-424f-818f-2a84b8332a41_terseLabel_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge of net investments in foreign operations effective portion that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge of net investments in foreign operations effective portion that will be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge of net investments in foreign operations effective portion that will be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatWillBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementAxis_066f2a55-314b-41ce-89ec-a632fc51dd99_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase agreement [Axis]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementAxis_label_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase agreement [Axis]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementAxis_documentation_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse repurchase agreement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseAgreementAxis" xlink:href="bbva-20221231.xsd#bbva_ReverseRepurchaseAgreementAxis"/>
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    <link:label id="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock_3fef8a14-b5ed-4fea-82a3-ed44bbc996ae_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting breakdown by type of risk and type of hedge [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting breakdown by type of risk and type of hedge [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting breakdown by type of risk and type of hedge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:to="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExpenseArisingFromInsuranceContracts_92f83b4c-bcd4-4eaf-8c4e-4bf55379cedc_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ExpenseArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expense arising from insurance contracts</link:label>
    <link:label id="lab_ifrs-full_ExpenseArisingFromInsuranceContracts_label_en-US" xlink:label="lab_ifrs-full_ExpenseArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Expense arising from insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExpenseArisingFromInsuranceContracts" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ExpenseArisingFromInsuranceContracts"/>
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    <link:label id="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock_3175ac63-18d7-430b-8eb6-5701737ceedf_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained earnings, revaluation reserves and other reserves breakdown by company or corporate group [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock"/>
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    <link:label id="lab_ifrs-full_OtherAssets_7a4f338b-0115-4cbe-a10f-c0b47748bba5_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_ifrs-full_OtherAssets_ee588070-bd9e-400b-8c73-9b5625feec4f_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets</link:label>
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    <link:label id="lab_ifrs-full_OtherAssets_label_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets</link:label>
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    <link:label id="lab_bbva_SecuritiesLendingOnBehalfOfThirdParties_147c4599-546b-4c2e-a7d4-86a4fdd45c2e_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesLendingOnBehalfOfThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities lending on behalf of third parties</link:label>
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    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_8855d028-427d-40a7-948c-37fdb618ed77_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income items that may be reclassified to profit or loss. Financial assets at fair value through other comprehensive income [Table Text Block]</link:label>
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    <link:label id="lab_sic_Z6311_85c5124f-9f0c-4739-bbe2-a1451238b67b_terseLabel_en-US" xlink:label="lab_sic_Z6311" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">6311 Life Insurance [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtSecuritiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DebtSecuritiesMember" xlink:to="lab_ifrs-full_DebtSecuritiesMember" xlink:type="arc" order="1"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SociedadesInmobiliariasUnnimMember" xlink:to="lab_bbva_SociedadesInmobiliariasUnnimMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments_abdf3fca-5fa8-40ed-bef8-41c5be275b47_terseLabel_en-US" xlink:label="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which profit loss from continued operations net of remuneration of additional Tier 1 capital instruments</link:label>
    <link:label id="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments_label_en-US" xlink:label="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which profit loss from continued operations net of remuneration of additional Tier 1 capital instruments</link:label>
    <link:label id="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments_documentation_en-US" xlink:label="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which profit loss from continued operations net of remuneration of additional Tier 1 capital instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:href="bbva-20221231.xsd#bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:to="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_OtherDebtInstrumentsMember_label_en-US" xlink:label="lab_bbva_OtherDebtInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other debt instruments [Member]</link:label>
    <link:label id="lab_bbva_OtherDebtInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_OtherDebtInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other debt instruments</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherDebtInstrumentsMember" xlink:to="lab_bbva_OtherDebtInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTable_c953b9cf-4a2f-473c-8e23-d348ad2e000c_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance product [Table]</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTable_label_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance product [Table]</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTable_documentation_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByTypeOfInsuranceProductTable" xlink:href="bbva-20221231.xsd#bbva_IncomeByTypeOfInsuranceProductTable"/>
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    <link:label id="lab_bbva_OtherOperatingExpenseTableTextBlock_documentation_en-US" xlink:label="lab_bbva_OtherOperatingExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other operating expense</link:label>
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    <link:label id="lab_bbva_DisclosureOfBBVAGroupTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfBBVAGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of BBVA Group</link:label>
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    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_47845883-68fb-4994-a850-ad80f3a1211d_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification Of Financial Assets From Amortized Cost To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
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    <link:label id="lab_bbva_DerivativesHedgeAccountingTableTextBlock_97c50f2a-ea3b-4aa6-b384-bb646582a0bd_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting [Table Text Block]</link:label>
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    <link:label id="lab_bbva_DerivativesHedgeAccountingTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccountingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:to="lab_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsAxis_b5d10ab4-a860-47b9-a6b6-19b48b009540_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Axis]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsAxis_label_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Axis]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsAxis_documentation_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:href="bbva-20221231.xsd#bbva_DepreciationRatesForTangibleAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:to="lab_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock_73985782-ec97-43de-9a4f-89839b6214fa_terseLabel_en-US" xlink:label="lab_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main margins and profit by operating segments [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" xlink:to="lab_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GaussianCopulaMember_dd3c22aa-2740-4e4a-976c-8f1a48ebaf72_terseLabel_en-US" xlink:label="lab_bbva_GaussianCopulaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gaussian copula [Member]</link:label>
    <link:label id="lab_bbva_GaussianCopulaMember_label_en-US" xlink:label="lab_bbva_GaussianCopulaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gaussian copula [Member]</link:label>
    <link:label id="lab_bbva_GaussianCopulaMember_documentation_en-US" xlink:label="lab_bbva_GaussianCopulaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gaussian copula</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GaussianCopulaMember" xlink:href="bbva-20221231.xsd#bbva_GaussianCopulaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GaussianCopulaMember" xlink:to="lab_bbva_GaussianCopulaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_acd61dec-6fd0-4df7-bc5d-aaf83277d758_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of collateral received or own debt securities issued available for encumbrance</link:label>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_label_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of collateral received or own debt securities issued available for encumbrance</link:label>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_documentation_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of collateral received or own debt securities issued available for encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:href="bbva-20221231.xsd#bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:to="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LtSCDByLMUDomain_92e5f3ca-d29b-46bc-a95d-78abedca628f_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Domain]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUDomain_label_en-US" xlink:label="lab_bbva_LtSCDByLMUDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Domain]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUDomain_documentation_en-US" xlink:label="lab_bbva_LtSCDByLMUDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUDomain" xlink:href="bbva-20221231.xsd#bbva_LtSCDByLMUDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LtSCDByLMUDomain" xlink:to="lab_bbva_LtSCDByLMUDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichIndividualMember_837f843a-64c0-4b98-bec0-81c439087279_terseLabel_en-US" xlink:label="lab_bbva_OfWhichIndividualMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which individual [Member]</link:label>
    <link:label id="lab_bbva_OfWhichIndividualMember_label_en-US" xlink:label="lab_bbva_OfWhichIndividualMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which individual [Member]</link:label>
    <link:label id="lab_bbva_OfWhichIndividualMember_documentation_en-US" xlink:label="lab_bbva_OfWhichIndividualMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which individual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichIndividualMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichIndividualMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichIndividualMember" xlink:to="lab_bbva_OfWhichIndividualMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems_ee2cafc0-952b-414d-a2d4-2ac2ba610898_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems"/>
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    <link:label id="lab_dei_AuditorName_7c4abbc6-0d77-42a6-b092-83e2c187df3f_terseLabel_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Name</link:label>
    <link:label id="lab_dei_AuditorName_label_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AuditorName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorName" xlink:to="lab_dei_AuditorName" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnaPeraltaMorenoMember_8ab9847c-1e45-469b-b15f-ddd72ce4d42a_terseLabel_en-US" xlink:label="lab_bbva_AnaPeraltaMorenoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ana Peralta Moreno [Member]</link:label>
    <link:label id="lab_bbva_AnaPeraltaMorenoMember_label_en-US" xlink:label="lab_bbva_AnaPeraltaMorenoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ana Peralta Moreno [Member]</link:label>
    <link:label id="lab_bbva_AnaPeraltaMorenoMember_documentation_en-US" xlink:label="lab_bbva_AnaPeraltaMorenoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ana Peralta Moreno</link:label>
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    <link:label id="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup_f70536af-9047-4362-ad23-f984a56b9152_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities arising from transactions with entities of the Group</link:label>
    <link:label id="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup_label_en-US" xlink:label="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities arising from transactions with entities of the Group</link:label>
    <link:label id="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities arising from transactions with entities of the Group</link:label>
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    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member_32179167-8053-4701-94c6-19d42fafedd2_terseLabel_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital instruments and share premium accounts classified as liabilities and qualifying as additional tier 1 [Member]</link:label>
    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member_label_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital instruments and share premium accounts classified as liabilities and qualifying as additional tier 1 [Member]</link:label>
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    <link:label id="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments_74c032c0-3a1b-40e9-94f9-74a6fcf38e2c_terseLabel_en-US" xlink:label="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Provisions post employment and other employee benefit commitments</link:label>
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    <link:label id="lab_bbva_InformationAboutUnobservableInputsAxis_ad447307-c6df-4c44-b6ca-b1ccbade2eaa_terseLabel_en-US" xlink:label="lab_bbva_InformationAboutUnobservableInputsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information about unobservable inputs [Axis]</link:label>
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    <link:label id="lab_bbva_UnrealizedLossesOfEquityInstruments_80398fc0-e799-4efc-bef8-4e5b80870aee_terseLabel_en-US" xlink:label="lab_bbva_UnrealizedLossesOfEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrealized losses of equity instruments</link:label>
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    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_adddd531-5e35-4344-b7b3-6a5f7e37518c_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
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    <link:label id="lab_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract_label_en-US" xlink:label="lab_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Purchase and sale commitments and future payment obligations [Abstract]</link:label>
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    <link:label id="lab_bbva_TimeDepostisAndOtherMember_1b87dc8e-c6b9-483b-a70c-8c9a1c0ed9be_terseLabel_en-US" xlink:label="lab_bbva_TimeDepostisAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time depostis and other [Member]</link:label>
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    <link:label id="lab_bbva_TimeDepostisAndOtherMember_documentation_en-US" xlink:label="lab_bbva_TimeDepostisAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time depostis and other</link:label>
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    <link:label id="lab_bbva_LoansAndAdvancesAndOtherMember_bdb200a4-206f-4042-b5df-e1a71c2e6c06_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances and other [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAndOtherMember_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances and other [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAndOtherMember_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and advances and other</link:label>
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    <link:label id="lab_bbva_AccountingBalancesDomain_0912e171-47fc-4fb1-b546-bed4a917d890_terseLabel_en-US" xlink:label="lab_bbva_AccountingBalancesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting balances [Domain]</link:label>
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    <link:label id="lab_bbva_GeneralGovernmentMember_d08866c2-7b60-4da6-9bd2-ec3c5bba2b9c_terseLabel_en-US" xlink:label="lab_bbva_GeneralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">General government [Member]</link:label>
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    <link:label id="lab_bbva_PublicAdministrationMember_documentation_en-US" xlink:label="lab_bbva_PublicAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Public administration</link:label>
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    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain_5989332b-bcc8-467a-96f7-5c19d3e1bbd4_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:to="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LevelTransfersLineItems_9fa635fc-074c-456b-a209-a982cf731308_terseLabel_en-US" xlink:label="lab_bbva_LevelTransfersLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level transfers [Line Items]</link:label>
    <link:label id="lab_bbva_LevelTransfersLineItems_label_en-US" xlink:label="lab_bbva_LevelTransfersLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level transfers [Line Items]</link:label>
    <link:label id="lab_bbva_LevelTransfersLineItems_documentation_en-US" xlink:label="lab_bbva_LevelTransfersLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level transfers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LevelTransfersLineItems" xlink:href="bbva-20221231.xsd#bbva_LevelTransfersLineItems"/>
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    <link:label id="lab_bbva_CustomerDepositsAtFairValue_19d31284-abfd-4350-8625-55e7b904acd1_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits at fair value</link:label>
    <link:label id="lab_bbva_CustomerDepositsAtFairValue_label_en-US" xlink:label="lab_bbva_CustomerDepositsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits at fair value</link:label>
    <link:label id="lab_bbva_CustomerDepositsAtFairValue_documentation_en-US" xlink:label="lab_bbva_CustomerDepositsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Customer deposits at fair value</link:label>
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    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis_ea18b6c1-643f-4eb0-93e7-baffdfb73b14_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument [Axis]</link:label>
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    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis_documentation_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:href="bbva-20221231.xsd#bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis"/>
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    <link:label id="lab_bbva_SecuritiesLocationByCountryDomain_70a72b24-b76e-4ce4-9da3-589886febf4d_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities location by country [Domain]</link:label>
    <link:label id="lab_bbva_SecuritiesLocationByCountryDomain_label_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities location by country [Domain]</link:label>
    <link:label id="lab_bbva_SecuritiesLocationByCountryDomain_documentation_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Securities location by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritiesLocationByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_SecuritiesLocationByCountryDomain"/>
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    <link:label id="lab_bbva_BBVABBMinusRatingMember_f73ed04e-74f1-4a71-a995-a4687601c7fb_terseLabel_en-US" xlink:label="lab_bbva_BBVABBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVABBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BB minus Rating</link:label>
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    <link:label id="lab_bbva_InterestIncomeOnOtherIncome_28d3ed29-8509-4680-8b49-29bece0d7b4c_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeOnOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income On Other Income</link:label>
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    <link:label id="lab_bbva_InterestIncomeOnOtherIncome_documentation_en-US" xlink:label="lab_bbva_InterestIncomeOnOtherIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income On Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeOnOtherIncome" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeOnOtherIncome"/>
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    <link:label id="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses_69101b2b-8a36-4201-9c54-cd7c3c3dbe0a_terseLabel_en-US" xlink:label="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease time barred debt and other causes</link:label>
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    <link:label id="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses_documentation_en-US" xlink:label="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease time barred debt and other causes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:href="bbva-20221231.xsd#bbva_DecreaseTimeBarredDebtAndOtherCauses"/>
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    <link:label id="lab_bbva_StatementOfCashFlowsLineItems_05d19320-8289-46c2-b84d-6415aca35343_terseLabel_en-US" xlink:label="lab_bbva_StatementOfCashFlowsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of cash flows [Line Items]</link:label>
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    <link:label id="lab_bbva_StatementOfCashFlowsLineItems_documentation_en-US" xlink:label="lab_bbva_StatementOfCashFlowsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of cash flows</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_StatementOfCashFlowsLineItems" xlink:href="bbva-20221231.xsd#bbva_StatementOfCashFlowsLineItems"/>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable_94782a9e-6c13-4a64-9045-732ae0a2f630_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table]</link:label>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:href="bbva-20221231.xsd#bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:to="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock_74876844-84b4-4a01-b36a-11e9346d423e_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for insurance contracts [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for insurance contracts [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVABBBRatingMember_785b7c40-b34e-4d26-babb-127a07d9dfe6_terseLabel_en-US" xlink:label="lab_bbva_BBVABBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BBB Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBBRatingMember_label_en-US" xlink:label="lab_bbva_BBVABBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BBB Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBBRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA BBB Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABBBRatingMember" xlink:href="bbva-20221231.xsd#bbva_BBVABBBRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVABBBRatingMember" xlink:to="lab_bbva_BBVABBBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale_46366991-f352-4df1-a4d4-11af0ff810a6_terseLabel_en-US" xlink:label="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale</link:label>
    <link:label id="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale_label_en-US" xlink:label="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale</link:label>
    <link:label id="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale_documentation_en-US" xlink:label="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" xlink:href="bbva-20221231.xsd#bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" xlink:to="lab_bbva_TotalProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis_1e7b4948-04b5-4cf7-813d-3cfe2f70a126_terseLabel_en-US" xlink:label="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on net cash inflows from discontinued operations sold usa subsidiary [Axis]</link:label>
    <link:label id="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis_label_en-US" xlink:label="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on net cash inflows from discontinued operations sold usa subsidiary [Axis]</link:label>
    <link:label id="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis_documentation_en-US" xlink:label="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect on net cash inflows from discontinued operations sold usa subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" xlink:href="bbva-20221231.xsd#bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" xlink:to="lab_bbva_EffectOnNetCashInflowsFromDiscontinuedOperationsSoldUsaSubsidiaryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseRelatedPartyTransactions_08bd2df8-75e7-47e6-a1af-39240ec9203e_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense Related Party Transactions</link:label>
    <link:label id="lab_bbva_InterestExpenseRelatedPartyTransactions_label_en-US" xlink:label="lab_bbva_InterestExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense Related Party Transactions</link:label>
    <link:label id="lab_bbva_InterestExpenseRelatedPartyTransactions_documentation_en-US" xlink:label="lab_bbva_InterestExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense Related Party Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseRelatedPartyTransactions" xlink:href="bbva-20221231.xsd#bbva_InterestExpenseRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseRelatedPartyTransactions" xlink:to="lab_bbva_InterestExpenseRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LtSCDByLMUAxis_e301fbe2-b782-40b2-95f1-813d5e2b316b_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Axis]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUAxis_label_en-US" xlink:label="lab_bbva_LtSCDByLMUAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU [Axis]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUAxis_documentation_en-US" xlink:label="lab_bbva_LtSCDByLMUAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUAxis" xlink:href="bbva-20221231.xsd#bbva_LtSCDByLMUAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LtSCDByLMUAxis" xlink:to="lab_bbva_LtSCDByLMUAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumExposureToCreditRiskMember_d2f3d4d2-dfce-405e-89fc-0ee54208a7fa_terseLabel_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum exposure to credit risk [Member]</link:label>
    <link:label id="lab_bbva_MaximumExposureToCreditRiskMember_label_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum exposure to credit risk [Member]</link:label>
    <link:label id="lab_bbva_MaximumExposureToCreditRiskMember_documentation_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumExposureToCreditRiskMember" xlink:href="bbva-20221231.xsd#bbva_MaximumExposureToCreditRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumExposureToCreditRiskMember" xlink:to="lab_bbva_MaximumExposureToCreditRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BusinessCreditToRelatedParties_745bb450-4981-4e1c-958a-89aace0a978a_terseLabel_en-US" xlink:label="lab_bbva_BusinessCreditToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Business credit to related parties</link:label>
    <link:label id="lab_bbva_BusinessCreditToRelatedParties_label_en-US" xlink:label="lab_bbva_BusinessCreditToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Business credit to related parties</link:label>
    <link:label id="lab_bbva_BusinessCreditToRelatedParties_documentation_en-US" xlink:label="lab_bbva_BusinessCreditToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Business credit to related parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BusinessCreditToRelatedParties" xlink:href="bbva-20221231.xsd#bbva_BusinessCreditToRelatedParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BusinessCreditToRelatedParties" xlink:to="lab_bbva_BusinessCreditToRelatedParties" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionOrReversalOfProvisions_a409738f-d17f-4584-a8f5-f3398b5215fb_negatedTerseLabel_en-US" xlink:label="lab_bbva_ProvisionOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provision or reversal of provisions</link:label>
    <link:label id="lab_bbva_ProvisionOrReversalOfProvisions_label_en-US" xlink:label="lab_bbva_ProvisionOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provision or reversal of provisions</link:label>
    <link:label id="lab_bbva_ProvisionOrReversalOfProvisions_documentation_en-US" xlink:label="lab_bbva_ProvisionOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provision or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionOrReversalOfProvisions" xlink:href="bbva-20221231.xsd#bbva_ProvisionOrReversalOfProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionOrReversalOfProvisions" xlink:to="lab_bbva_ProvisionOrReversalOfProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersOutOfLevel2IntoLevel3_fe4d4d34-eb44-4753-81df-787935ebc3c6_terseLabel_en-US" xlink:label="lab_bbva_TransfersOutOfLevel2IntoLevel3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 2 into level 3</link:label>
    <link:label id="lab_bbva_TransfersOutOfLevel2IntoLevel3_label_en-US" xlink:label="lab_bbva_TransfersOutOfLevel2IntoLevel3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 2 into level 3</link:label>
    <link:label id="lab_bbva_TransfersOutOfLevel2IntoLevel3_documentation_en-US" xlink:label="lab_bbva_TransfersOutOfLevel2IntoLevel3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 2 into level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersOutOfLevel2IntoLevel3" xlink:href="bbva-20221231.xsd#bbva_TransfersOutOfLevel2IntoLevel3"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersOutOfLevel2IntoLevel3" xlink:to="lab_bbva_TransfersOutOfLevel2IntoLevel3" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract_d2d0cb86-073e-4d36-9a23-fa23133c1839_terseLabel_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation And Amortisation Exasfpense [Abstract]</link:label>
    <link:label id="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract_label_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation And Amortisation Exasfpense [Abstract]</link:label>
    <link:label id="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract_documentation_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation And Amortisation Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:href="bbva-20221231.xsd#bbva_DepreciationAndAmortisationExasfpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:to="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditAndDebitCardsExpenses_076744da-3a5c-419b-8473-0b72bd87731d_terseLabel_en-US" xlink:label="lab_bbva_CreditAndDebitCardsExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit and debit cards expenses</link:label>
    <link:label id="lab_bbva_CreditAndDebitCardsExpenses_label_en-US" xlink:label="lab_bbva_CreditAndDebitCardsExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit and debit cards expenses</link:label>
    <link:label id="lab_bbva_CreditAndDebitCardsExpenses_documentation_en-US" xlink:label="lab_bbva_CreditAndDebitCardsExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit and debit cards expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditAndDebitCardsExpenses" xlink:href="bbva-20221231.xsd#bbva_CreditAndDebitCardsExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditAndDebitCardsExpenses" xlink:to="lab_bbva_CreditAndDebitCardsExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees_a474a6d8-0b57-4190-bac9-38b9b119687c_terseLabel_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Loan commitments and financial guarantees</link:label>
    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees_label_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Loan commitments and financial guarantees</link:label>
    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees_documentation_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Loan commitments and financial guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:href="bbva-20221231.xsd#bbva_TotalLoanCommitmentsAndFinancialGuarantees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:to="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PendingLegalIssuesAndTaxLitigation_bce947d7-72b0-4b1e-b7b4-692119402e98_terseLabel_en-US" xlink:label="lab_bbva_PendingLegalIssuesAndTaxLitigation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pending Legal Issues And Tax Litigation</link:label>
    <link:label id="lab_bbva_PendingLegalIssuesAndTaxLitigation_label_en-US" xlink:label="lab_bbva_PendingLegalIssuesAndTaxLitigation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pending Legal Issues And Tax Litigation</link:label>
    <link:label id="lab_bbva_PendingLegalIssuesAndTaxLitigation_documentation_en-US" xlink:label="lab_bbva_PendingLegalIssuesAndTaxLitigation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pending Legal Issues And Tax Litigation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PendingLegalIssuesAndTaxLitigation" xlink:href="bbva-20221231.xsd#bbva_PendingLegalIssuesAndTaxLitigation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PendingLegalIssuesAndTaxLitigation" xlink:to="lab_bbva_PendingLegalIssuesAndTaxLitigation" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_9c30b550-9b91-4efb-b913-31df137c0e9e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation and amortisation expense</link:label>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_2866bf81-14cb-4f99-8c49-0c20fe49f762_terseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation and amortisation expense</link:label>
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    <link:label id="lab_bbva_EquityImpactLineItems_documentation_en-US" xlink:label="lab_bbva_EquityImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactLineItems" xlink:href="bbva-20221231.xsd#bbva_EquityImpactLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityImpactLineItems" xlink:to="lab_bbva_EquityImpactLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichOTCCreditInstitutionsMember_1801b3e1-7a54-4fe5-a5b1-3bae79599b56_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOTCCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC credit institutions [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOTCCreditInstitutionsMember_label_en-US" xlink:label="lab_bbva_OfWhichOTCCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC credit institutions [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOTCCreditInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_OfWhichOTCCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which OTC credit institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOTCCreditInstitutionsMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichOTCCreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichOTCCreditInstitutionsMember" xlink:to="lab_bbva_OfWhichOTCCreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock_a9e9e4b2-8e99-4454-b680-be47b4f51b8e_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Post Employment And Other Employee Benefit Commitments [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Post Employment And Other Employee Benefit Commitments [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Post Employment And Other Employee Benefit Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:to="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMemorandum_d972fe1e-134f-4e05-b241-2f70a6bbaef9_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMemorandum" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given Memorandum</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMemorandum_label_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMemorandum" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given Memorandum</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMemorandum_documentation_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMemorandum" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given Memorandum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesGivenMemorandum" xlink:href="bbva-20221231.xsd#bbva_FinancialGuaranteesGivenMemorandum"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialGuaranteesGivenMemorandum" xlink:to="lab_bbva_FinancialGuaranteesGivenMemorandum" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_15399643-e631-4812-8f4d-2a47d923d5a5_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions</link:label>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MortgagesMember_cd657ad1-b4f4-4ff8-911d-f87c03d34551_terseLabel_en-US" xlink:label="lab_ifrs-full_MortgagesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mortgages [member]</link:label>
    <link:label id="lab_ifrs-full_MortgagesMember_label_en-US" xlink:label="lab_ifrs-full_MortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mortgages [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MortgagesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_MortgagesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MortgagesMember" xlink:to="lab_ifrs-full_MortgagesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities_bcfd52cf-958f-4c13-bae3-a8f21b0970af_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends paid, classified as financing activities</link:label>
    <link:label id="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends paid, classified as financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:to="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommonEquityTIER1CET1Member_04fcb2ce-1f9a-4309-aaf0-ccf8b66f55de_terseLabel_en-US" xlink:label="lab_bbva_CommonEquityTIER1CET1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common equity TIER 1 CET1 [Member]</link:label>
    <link:label id="lab_bbva_CommonEquityTIER1CET1Member_label_en-US" xlink:label="lab_bbva_CommonEquityTIER1CET1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common equity TIER 1 CET1 [Member]</link:label>
    <link:label id="lab_bbva_CommonEquityTIER1CET1Member_documentation_en-US" xlink:label="lab_bbva_CommonEquityTIER1CET1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common equity TIER 1 CET1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommonEquityTIER1CET1Member" xlink:href="bbva-20221231.xsd#bbva_CommonEquityTIER1CET1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommonEquityTIER1CET1Member" xlink:to="lab_bbva_CommonEquityTIER1CET1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember_f0dd31f5-f83d-4552-8d10-d738bbf6706a_terseLabel_en-US" xlink:label="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lower effective tax rate from foreign entities [Member]</link:label>
    <link:label id="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember_label_en-US" xlink:label="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lower effective tax rate from foreign entities [Member]</link:label>
    <link:label id="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember_documentation_en-US" xlink:label="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Lower effective tax rate from foreign entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:href="bbva-20221231.xsd#bbva_LowerEffectiveTaxRateFromForeignEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:to="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock_8ea21436-b24e-4714-af93-2154a1aa108c_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments by levels [Table Text Block]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments by levels [Table Text Block]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments by levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:to="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InformationAboutUnobservableInputsDomain_e7f4f626-5519-4d95-b3d5-975635a3d6a5_terseLabel_en-US" xlink:label="lab_bbva_InformationAboutUnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information about unobservable inputs [Domain]</link:label>
    <link:label id="lab_bbva_InformationAboutUnobservableInputsDomain_label_en-US" xlink:label="lab_bbva_InformationAboutUnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information about unobservable inputs [Domain]</link:label>
    <link:label id="lab_bbva_InformationAboutUnobservableInputsDomain_documentation_en-US" xlink:label="lab_bbva_InformationAboutUnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Information about unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InformationAboutUnobservableInputsDomain" xlink:href="bbva-20221231.xsd#bbva_InformationAboutUnobservableInputsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InformationAboutUnobservableInputsDomain" xlink:to="lab_bbva_InformationAboutUnobservableInputsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits_728698b9-9a7b-48ac-bccb-617884e572a3_terseLabel_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which net defined net liability on the consolidated balance sheet for other long term employee benefits</link:label>
    <link:label id="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits_label_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which net defined net liability on the consolidated balance sheet for other long term employee benefits</link:label>
    <link:label id="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits_documentation_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which net defined net liability on the consolidated balance sheet for other long term employee benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" xlink:href="bbva-20221231.xsd#bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" xlink:to="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForOtherLongTermEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherExchangesMember_56f09653-1ef7-4600-8e2b-af62bec1a7dd_terseLabel_en-US" xlink:label="lab_bbva_OtherExchangesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other exchanges [Member]</link:label>
    <link:label id="lab_bbva_OtherExchangesMember_label_en-US" xlink:label="lab_bbva_OtherExchangesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other exchanges [Member]</link:label>
    <link:label id="lab_bbva_OtherExchangesMember_documentation_en-US" xlink:label="lab_bbva_OtherExchangesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other exchanges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherExchangesMember" xlink:href="bbva-20221231.xsd#bbva_OtherExchangesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherExchangesMember" xlink:to="lab_bbva_OtherExchangesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain_9d422329-3a6b-4a1c-bd9f-714fd0e460f1_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value though other comprehensive income [Domain]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value though other comprehensive income [Domain]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value though other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:to="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfCapitalCC1Axis_59b2224b-6d98-4bb8-8da8-58657c27a153_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Axis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1 [Axis]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1Axis_label_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Axis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1 [Axis]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1Axis_documentation_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Axis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1Axis" xlink:href="bbva-20221231.xsd#bbva_AmountOfCapitalCC1Axis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfCapitalCC1Axis" xlink:to="lab_bbva_AmountOfCapitalCC1Axis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven_3a588a32-e667-415a-b766-16865dd4f2a9_terseLabel_en-US" xlink:label="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Commitments And Financial Guarantees Given</link:label>
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    <link:label id="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Commitments And Financial Guarantees Given</link:label>
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    <link:label id="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember_1fdfc5ac-ddf7-4c09-8525-4f5b7b438cbf_terseLabel_en-US" xlink:label="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Qualifying tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties [Member]</link:label>
    <link:label id="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember_label_en-US" xlink:label="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Qualifying tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties [Member]</link:label>
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    <link:label id="lab_bbva_TaxRecognizedInTotalEquityLineItems_8742e320-111c-4b4a-b360-96c2a618b434_terseLabel_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Line Items]</link:label>
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    <link:label id="lab_bbva_TaxRecognizedInTotalEquityLineItems_documentation_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity</link:label>
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    <link:label id="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_8ebec8c7-3d25-4738-aac5-5d48b28f833f_terseLabel_en-US" xlink:label="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nominal value of shares of BBVA owned by third parties but managed by the group</link:label>
    <link:label id="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_label_en-US" xlink:label="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nominal value of shares of BBVA owned by third parties but managed by the group</link:label>
    <link:label id="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_documentation_en-US" xlink:label="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Nominal value of shares of BBVA owned by third parties but managed by the group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:href="bbva-20221231.xsd#bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup"/>
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    <link:label id="lab_bbva_AmountOfPaymentsDeferralsByStagesTable_bddcb4bc-1a29-44c3-aa48-46545bf00738_terseLabel_en-US" xlink:label="lab_bbva_AmountOfPaymentsDeferralsByStagesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payments deferrals by stages [Table]</link:label>
    <link:label id="lab_bbva_AmountOfPaymentsDeferralsByStagesTable_label_en-US" xlink:label="lab_bbva_AmountOfPaymentsDeferralsByStagesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payments deferrals by stages [Table]</link:label>
    <link:label id="lab_bbva_AmountOfPaymentsDeferralsByStagesTable_documentation_en-US" xlink:label="lab_bbva_AmountOfPaymentsDeferralsByStagesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of payments deferrals by stages</link:label>
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    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestDomain_a1af1f83-3d89-43b7-8958-b6f79d5a4f8d_terseLabel_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical Impact of the stress test [Domain]</link:label>
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    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestDomain_documentation_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical Impact of the stress test</link:label>
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    <link:label id="lab_dei_EntityAddressesAddressTypeAxis_b72daa18-c52d-4277-ae5d-39acb89b896d_terseLabel_en-US" xlink:label="lab_dei_EntityAddressesAddressTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Addresses, Address Type [Axis]</link:label>
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    <link:label id="lab_bbva_StructuredDebtMember_5f996369-5a86-4354-9d1c-bd25de9d499e_terseLabel_en-US" xlink:label="lab_bbva_StructuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Structured debt [Member]</link:label>
    <link:label id="lab_bbva_StructuredDebtMember_label_en-US" xlink:label="lab_bbva_StructuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Structured debt [Member]</link:label>
    <link:label id="lab_bbva_StructuredDebtMember_documentation_en-US" xlink:label="lab_bbva_StructuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Structured debt</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_StructuredDebtMember" xlink:to="lab_bbva_StructuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsValuationMethods_45a6ee90-337c-49d3-882c-47ce99f80435_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsValuationMethods" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments valuation methods</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsValuationMethods_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsValuationMethods" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments valuation methods</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsValuationMethods_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsValuationMethods" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments valuation methods</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsValuationMethods" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsValuationMethods"/>
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    <link:label id="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable_8f139c78-a9a5-46fc-90a7-5d5d8b73c589_terseLabel_en-US" xlink:label="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans And Receivables Breakdown By Counter and Product [Table]</link:label>
    <link:label id="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable_label_en-US" xlink:label="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans And Receivables Breakdown By Counter and Product [Table]</link:label>
    <link:label id="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable_documentation_en-US" xlink:label="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans And Receivables Breakdown By Counter and Product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:href="bbva-20221231.xsd#bbva_LoansAndReceivablesBreakdownByCounterAndProductTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:to="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems_bf1e8670-36db-48e6-a7f8-83f698671d6c_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:to="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets_b85edf10-63c5-4012-9a22-d5ae90d5c41f_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</link:label>
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    <link:label id="lab_ifrs-full_IssueOfEquity_7794c7a8-80a9-4af3-8d49-f1d8fff7db67_terseLabel_en-US" xlink:label="lab_ifrs-full_IssueOfEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issue of equity</link:label>
    <link:label id="lab_ifrs-full_IssueOfEquity_label_en-US" xlink:label="lab_ifrs-full_IssueOfEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issue of equity</link:label>
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    <link:label id="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember_3135172f-23f5-49c6-9302-04719bf62ddd_terseLabel_en-US" xlink:label="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Insurance contracts plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:href="bbva-20221231.xsd#bbva_InsuranceContractsPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:to="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PriceVolatility_9dd7c6e0-a176-4594-9dde-ad0b555d8384_terseLabel_en-US" xlink:label="lab_bbva_PriceVolatility" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Price volatility</link:label>
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    <link:label id="lab_bbva_PriceVolatility_documentation_en-US" xlink:label="lab_bbva_PriceVolatility" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Price volatility</link:label>
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    <link:label id="lab_bbva_BBVAAARatingMember_91853f8f-dd43-454f-b279-94ba1cf860a3_terseLabel_en-US" xlink:label="lab_bbva_BBVAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAARatingMember_label_en-US" xlink:label="lab_bbva_BBVAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAARatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA AA Rating</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome_3a4fa7c6-a5ed-4377-bfc9-edbcb2799dad_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</link:label>
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    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock_71580fb4-8134-49e3-bd14-c5f90924aab3_terseLabel_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash Cash Balances At Central Banks And Other Demand Deposits [Table Text Block]</link:label>
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    <link:label id="lab_dei_DocumentTransitionReport_98ee7e1a-f667-4e21-8441-4bdbc1473fbe_terseLabel_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Transition Report</link:label>
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    <link:label id="lab_dei_LocalPhoneNumber_bde1d817-5e90-4269-b713-d4402b21fb6e_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
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    <link:label id="lab_bbva_OtherComprehensiveIncomeChangesInGainsAndLosses_a96ab316-09d6-46f5-aa5c-f9e3e5da114d_periodStartLabel_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeChangesInGainsAndLosses" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income changes in gains and losses</link:label>
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    <link:label id="lab_bbva_OtherComprehensiveIncomeChangesInGainsAndLosses_documentation_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeChangesInGainsAndLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other comprehensive income changes in gains and losses</link:label>
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    <link:label id="lab_bbva_NetLiabilityAssetChangesOfTheYear_8221d4af-11eb-41fa-ba92-6386ded59b82_terseLabel_en-US" xlink:label="lab_bbva_NetLiabilityAssetChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset changes of the year</link:label>
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    <link:label id="lab_bbva_NetLiabilityAssetChangesOfTheYear_documentation_en-US" xlink:label="lab_bbva_NetLiabilityAssetChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net liability asset changes of the year</link:label>
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    <link:label id="lab_bbva_LiquidityAvailableByInstrumentsAxis_93bab542-e2e0-477b-b65f-6252596584b2_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instruments [Axis]</link:label>
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    <link:label id="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember_e6d94b1a-7c9e-4d62-924f-7328194001f9_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which loss allowances of loans and advances [Member]</link:label>
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    <link:label id="lab_bbva_ForeignExchangeAndGoldMember_4861e57c-bff5-42dc-918f-90283f8b45f0_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold [Member]</link:label>
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    <link:label id="lab_bbva_ForeignExchangeAndGoldMember_documentation_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign exchange and gold</link:label>
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    <link:label id="lab_bbva_OtherChangesInTreasurySharesMember_c97193f8-e207-4f89-812e-36a4ec38adbd_terseLabel_en-US" xlink:label="lab_bbva_OtherChangesInTreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other changes in treasury shares [Member]</link:label>
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    <link:label id="lab_bbva_AnnualVariableRemunerationAxis_1b2b5982-8cc1-4ed9-8ef8-ef53bd84ff3d_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration [Axis]</link:label>
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    <link:label id="lab_bbva_EarlyRetirementCommitments_5f979c47-e10b-4bbd-beb6-69470cd80104_terseLabel_en-US" xlink:label="lab_bbva_EarlyRetirementCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Early retirement commitments</link:label>
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    <link:label id="lab_bbva_EarlyRetirementCommitments_documentation_en-US" xlink:label="lab_bbva_EarlyRetirementCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Early retirement commitments</link:label>
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    <link:label id="lab_bbva_TotalNetDefinedBenefitLiabilityAssets_44ce5af3-c892-4341-bb4b-6acf0a7e6e26_terseLabel_en-US" xlink:label="lab_bbva_TotalNetDefinedBenefitLiabilityAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net defined benefit liability assets</link:label>
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    <link:label id="lab_bbva_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit_b42c7444-82cb-4fef-8934-8b36e71ac5d3_terseLabel_en-US" xlink:label="lab_bbva_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Audits of the companies audited by firms belonging to the EY worldwide organization and other reports related with the audit</link:label>
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    <link:label id="lab_bbva_HedgedItemsInFairValueHedgesLineItems_630d3f04-c971-4314-9725-547a9162913e_terseLabel_en-US" xlink:label="lab_bbva_HedgedItemsInFairValueHedgesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged items in fair value hedges [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgedItemsInFairValueHedgesLineItems" xlink:href="bbva-20221231.xsd#bbva_HedgedItemsInFairValueHedgesLineItems"/>
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    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_8ac7b187-1809-41c5-8cad-a57d4908ff1e_terseLabel_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_1b5e198b-59ea-43c2-925a-edec34f4bb4d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_label_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaximumExposureToCreditRisk" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_MaximumExposureToCreditRisk"/>
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    <link:label id="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome_b59c6173-196f-4c44-af7a-f6d38affbe78_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Amortized Cost Interest And Other Income</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Amortized Cost Interest And Other Income</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Assets At Amortized Cost Interest And Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" xlink:to="lab_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_00cc6a67-4239-4866-9c5b-21993220622d_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems_9a3ec004-a778-424e-9143-7c9326c14731_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions Mexico [Line Items]</link:label>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems_label_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions Mexico [Line Items]</link:label>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems_documentation_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:href="bbva-20221231.xsd#bbva_ImpairmentTestAssumptionsMexicoLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:to="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost_16bb315b-5860-4414-ab72-3f3fbf84651b_terseLabel_en-US" xlink:label="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carrying amount of debt securities at amortized cost</link:label>
    <link:label id="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost_label_en-US" xlink:label="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carrying amount of debt securities at amortized cost</link:label>
    <link:label id="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carrying amount of debt securities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" xlink:to="lab_bbva_CarryingAmountOfDebtSecuritiesAtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome_504b0019-c1dc-41db-b90a-d3668893d321_terseLabel_en-US" xlink:label="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</link:label>
    <link:label id="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</link:label>
    <link:label id="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20221231.xsd#bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
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    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences_4f6a6de3-a126-4161-8ab9-2d2035ad5205_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences</link:label>
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    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" xlink:href="bbva-20221231.xsd#bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" xlink:to="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentTangibleAssets_48a3607e-2a33-47bf-bab2-48cbf1ea0681_negatedTerseLabel_en-US" xlink:label="lab_bbva_ImpairmentTangibleAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment tangible assets</link:label>
    <link:label id="lab_bbva_ImpairmentTangibleAssets_label_en-US" xlink:label="lab_bbva_ImpairmentTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment tangible assets</link:label>
    <link:label id="lab_bbva_ImpairmentTangibleAssets_documentation_en-US" xlink:label="lab_bbva_ImpairmentTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentTangibleAssets" xlink:href="bbva-20221231.xsd#bbva_ImpairmentTangibleAssets"/>
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    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromOperatingActivities_ff463bfe-3598-43e8-a6c2-7822a49483dd_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Operating Activities</link:label>
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    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromOperatingActivities_documentation_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of Which Hyperinflation Effect From Operating Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichHyperinflationEffectFromOperatingActivities" xlink:href="bbva-20221231.xsd#bbva_OfWhichHyperinflationEffectFromOperatingActivities"/>
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    <link:label id="lab_ifrs-full_ChangesInEquityAbstract_f69a9337-9b1f-442a-94a8-4066db6cf3a9_terseLabel_en-US" xlink:label="lab_ifrs-full_ChangesInEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in equity [abstract]</link:label>
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    <link:label id="lab_bbva_CategoriesOfRelatedPartiesDomain_6f620e61-9c37-4391-9552-cf664e66621f_terseLabel_en-US" xlink:label="lab_bbva_CategoriesOfRelatedPartiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Categories of related parties [Domain]</link:label>
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    <link:label id="lab_bbva_ATOMBankPLCMember_3da20a91-b060-4431-bde6-71d43107f0e1_terseLabel_en-US" xlink:label="lab_bbva_ATOMBankPLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ATOM Bank PLC [Member]</link:label>
    <link:label id="lab_bbva_ATOMBankPLCMember_label_en-US" xlink:label="lab_bbva_ATOMBankPLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ATOM Bank PLC [Member]</link:label>
    <link:label id="lab_bbva_ATOMBankPLCMember_documentation_en-US" xlink:label="lab_bbva_ATOMBankPLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">ATOM Bank PLC</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ATOMBankPLCMember" xlink:href="bbva-20221231.xsd#bbva_ATOMBankPLCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ATOMBankPLCMember" xlink:to="lab_bbva_ATOMBankPLCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultDomain_6825acfd-d25c-47d9-9def-ffac8acf86cf_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default [Domain]</link:label>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultDomain_label_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default [Domain]</link:label>
    <link:label id="lab_bbva_DisclosureOfProbabilityOfDefaultDomain_documentation_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of probability of default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProbabilityOfDefaultDomain" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfProbabilityOfDefaultDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfProbabilityOfDefaultDomain" xlink:to="lab_bbva_DisclosureOfProbabilityOfDefaultDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsTable_0e6bcac8-b0b2-4a82-8363-4d1e4aa8fc9b_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration For Non Executive Directors [Table]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsTable_label_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration For Non Executive Directors [Table]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsTable_documentation_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remuneration For Non Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:href="bbva-20221231.xsd#bbva_RemunerationForNonExecutiveDirectorsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:to="lab_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiabilitiesDueToCentralBanks_8c75cbb9-6bf1-4f6d-ba5d-7ac1c9de1409_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesDueToCentralBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities due to central banks</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesDueToCentralBanks_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesDueToCentralBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liabilities due to central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesDueToCentralBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LiabilitiesDueToCentralBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesDueToCentralBanks" xlink:to="lab_ifrs-full_LiabilitiesDueToCentralBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems_5dd47131-b802-4f5f-9cfa-9b7f57359489_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by valuation technique [Line Items]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by valuation technique [Line Items]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems_documentation_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of financial instruments at amortized cost by valuation technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" xlink:href="bbva-20221231.xsd#bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" xlink:to="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByValuationTechniqueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsByLeases_d621b1f2-d6fd-4651-ad8d-bf6890207ea2_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations by leases</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsByLeases_label_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations by leases</link:label>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsByLeases_documentation_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of future payment obligations by leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:href="bbva-20221231.xsd#bbva_MaturityOfFuturePaymentObligationsByLeases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:to="lab_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_CLP_33f6c11b-222a-4000-80aa-426fc88b04e4_terseLabel_en-US" xlink:label="lab_currency_CLP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Chile, Pesos</link:label>
    <link:label id="lab_currency_CLP_label_en-US" xlink:label="lab_currency_CLP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Chile, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_CLP" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_CLP"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_CLP" xlink:to="lab_currency_CLP" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByOperatingSegmentAxis_528c13b4-0bf1-4e8a-81ae-49f782a1e155_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income By Operating Segment [Axis]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentAxis_label_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income By Operating Segment [Axis]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentAxis_documentation_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income By Operating Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentAxis" xlink:href="bbva-20221231.xsd#bbva_IncomeByOperatingSegmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByOperatingSegmentAxis" xlink:to="lab_bbva_IncomeByOperatingSegmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_c4ad3caf-7ff7-416d-afa6-5e4c6a1ae488_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_416621f5-c990-4800-8cd3-32326dbc8879_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_f9eee61f-8235-47d9-97df-2f832da431aa_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndCreditsToRelatedParties_f5614be2-1bc6-4f3b-b550-f5b00a9ef8b8_terseLabel_en-US" xlink:label="lab_bbva_LoansAndCreditsToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and credits to related parties</link:label>
    <link:label id="lab_bbva_LoansAndCreditsToRelatedParties_label_en-US" xlink:label="lab_bbva_LoansAndCreditsToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and credits to related parties</link:label>
    <link:label id="lab_bbva_LoansAndCreditsToRelatedParties_documentation_en-US" xlink:label="lab_bbva_LoansAndCreditsToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and credits to related parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndCreditsToRelatedParties" xlink:href="bbva-20221231.xsd#bbva_LoansAndCreditsToRelatedParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndCreditsToRelatedParties" xlink:to="lab_bbva_LoansAndCreditsToRelatedParties" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_d67a0740-38a5-4e70-b15e-8499911a9a20_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from issue of subordinated liabilities</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from issue of subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:to="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_62ca1372-b1d9-4361-a4d2-fa9d02f1b324_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_label_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_documentation_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity of liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:href="bbva-20221231.xsd#bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:to="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss_abc1304c-b88b-4b70-9cc9-2304b892a640_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other adjustments to reconcile profit (loss)</link:label>
    <link:label id="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss_label_en-US" xlink:label="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other adjustments to reconcile profit (loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherAdjustmentsToReconcileProfitLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:to="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis_368ca74a-1670-42e2-b3a7-621a7b3124f3_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value though other comprehensive income [Axis]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value though other comprehensive income [Axis]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt securities at fair value though other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:href="bbva-20221231.xsd#bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:to="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NumberOfSharesInPledge_3c6cd277-4a4f-4879-91b3-ea86109d657f_terseLabel_en-US" xlink:label="lab_bbva_NumberOfSharesInPledge" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of shares in pledge</link:label>
    <link:label id="lab_bbva_NumberOfSharesInPledge_label_en-US" xlink:label="lab_bbva_NumberOfSharesInPledge" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of shares in pledge</link:label>
    <link:label id="lab_bbva_NumberOfSharesInPledge_documentation_en-US" xlink:label="lab_bbva_NumberOfSharesInPledge" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of shares in pledge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfSharesInPledge" xlink:href="bbva-20221231.xsd#bbva_NumberOfSharesInPledge"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NumberOfSharesInPledge" xlink:to="lab_bbva_NumberOfSharesInPledge" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdministrativeExpensesTableTextBlock_576c61c1-7136-4051-b1df-25ec2808f60b_terseLabel_en-US" xlink:label="lab_bbva_AdministrativeExpensesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administrative expenses [Table Text Block]</link:label>
    <link:label id="lab_bbva_AdministrativeExpensesTableTextBlock_label_en-US" xlink:label="lab_bbva_AdministrativeExpensesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administrative expenses [Table Text Block]</link:label>
    <link:label id="lab_bbva_AdministrativeExpensesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AdministrativeExpensesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Administrative expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdministrativeExpensesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AdministrativeExpensesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdministrativeExpensesTableTextBlock" xlink:to="lab_bbva_AdministrativeExpensesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations_07c89e45-70cd-4820-b3d8-99d9a380e6a4_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) financing activities, continuing operations</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from (used in) financing activities, continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations" xlink:to="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock_25e0522a-cdd8-4543-b856-e4beb10b8f17_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DepreciationRatesForTangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:to="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PositiveScenarioMember_a54702a0-1823-48ee-889d-2959b79bf4da_terseLabel_en-US" xlink:label="lab_bbva_PositiveScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario [Member]</link:label>
    <link:label id="lab_bbva_PositiveScenarioMember_label_en-US" xlink:label="lab_bbva_PositiveScenarioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario [Member]</link:label>
    <link:label id="lab_bbva_PositiveScenarioMember_documentation_en-US" xlink:label="lab_bbva_PositiveScenarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Positive scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PositiveScenarioMember" xlink:href="bbva-20221231.xsd#bbva_PositiveScenarioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PositiveScenarioMember" xlink:to="lab_bbva_PositiveScenarioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherProvisions_aee1c977-1651-4be0-ae07-674638a1f0b3_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provisions</link:label>
    <link:label id="lab_ifrs-full_OtherProvisions_label_en-US" xlink:label="lab_ifrs-full_OtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherProvisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherProvisions" xlink:to="lab_ifrs-full_OtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources_82e161ba-0e9b-46d2-8325-f331a73e364a_terseLabel_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total regulatory adjustments to additional tier 1 eligible capital resources</link:label>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources_label_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total regulatory adjustments to additional tier 1 eligible capital resources</link:label>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total regulatory adjustments to additional tier 1 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:to="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss_5993339f-4908-45d2-8d7a-6218d85769b3_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Financial Liabilities At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Financial Liabilities At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Financial Liabilities At Fair Value Through Profit Or Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis_cf1cdc9f-ec9a-49b9-98ef-a0536a76730f_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtAmortisedCostAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems_2281ed8e-daaa-417f-9c62-f6508d267ceb_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration Deferred portion senior management [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration Deferred portion senior management [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration Deferred portion senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:to="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis_e4bdcafd-43aa-4405-8307-ce9932f22736_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Axis]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis_label_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Axis]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits From Banks Breakdown By Geography</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:href="bbva-20221231.xsd#bbva_DepositsFromBanksBreakdownByGeographyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:to="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCentralBanksMember_e70f1a6a-1d12-4992-9a51-f89fea13d4ea_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from central banks [Member]</link:label>
    <link:label id="lab_bbva_DepositsFromCentralBanksMember_label_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from central banks [Member]</link:label>
    <link:label id="lab_bbva_DepositsFromCentralBanksMember_documentation_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCentralBanksMember" xlink:href="bbva-20221231.xsd#bbva_DepositsFromCentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCentralBanksMember" xlink:to="lab_bbva_DepositsFromCentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditCardDebtMember_f068dd02-eac4-4970-a0bc-b73785dc2e03_terseLabel_en-US" xlink:label="lab_bbva_CreditCardDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit card debt [Member]</link:label>
    <link:label id="lab_bbva_CreditCardDebtMember_label_en-US" xlink:label="lab_bbva_CreditCardDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit card debt [Member]</link:label>
    <link:label id="lab_bbva_CreditCardDebtMember_documentation_en-US" xlink:label="lab_bbva_CreditCardDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit card debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditCardDebtMember" xlink:href="bbva-20221231.xsd#bbva_CreditCardDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditCardDebtMember" xlink:to="lab_bbva_CreditCardDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations_9a855ae0-362e-4521-a015-178f052b7aae_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:label>
    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations_label_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:label>
    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:href="bbva-20221231.xsd#bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:to="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustodySecuritiesIncome_3cd625a6-a750-40d1-94ac-bec4dae34b72_terseLabel_en-US" xlink:label="lab_bbva_CustodySecuritiesIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Custody securities income</link:label>
    <link:label id="lab_bbva_CustodySecuritiesIncome_label_en-US" xlink:label="lab_bbva_CustodySecuritiesIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Custody securities income</link:label>
    <link:label id="lab_bbva_CustodySecuritiesIncome_documentation_en-US" xlink:label="lab_bbva_CustodySecuritiesIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Custody securities income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustodySecuritiesIncome" xlink:href="bbva-20221231.xsd#bbva_CustodySecuritiesIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustodySecuritiesIncome" xlink:to="lab_bbva_CustodySecuritiesIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersAndOtherPaymentOrders_bed73bb0-b7ef-46e6-bfe8-5dfaa609bba1_terseLabel_en-US" xlink:label="lab_bbva_TransfersAndOtherPaymentOrders" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers and other payment orders</link:label>
    <link:label id="lab_bbva_TransfersAndOtherPaymentOrders_label_en-US" xlink:label="lab_bbva_TransfersAndOtherPaymentOrders" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers and other payment orders</link:label>
    <link:label id="lab_bbva_TransfersAndOtherPaymentOrders_documentation_en-US" xlink:label="lab_bbva_TransfersAndOtherPaymentOrders" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers and other payment orders</link:label>
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    <link:label id="lab_bbva_TradingDerivativesMember_documentation_en-US" xlink:label="lab_bbva_TradingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading derivatives</link:label>
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    <link:label id="lab_bbva_TangibleAssetsAbstract_69453a75-37bc-4656-b962-9a62f7650253_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible Assets [Abstract]</link:label>
    <link:label id="lab_bbva_TangibleAssetsAbstract_label_en-US" xlink:label="lab_bbva_TangibleAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible Assets [Abstract]</link:label>
    <link:label id="lab_bbva_TangibleAssetsAbstract_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible Assets [Abstract]</link:label>
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    <link:label id="lab_bbva_EquityInstrumentsHeldForTrading_211154f1-0703-4b2c-a98c-88611e6ad873_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments held for trading</link:label>
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    <link:label id="lab_bbva_EquityInstrumentsHeldForTrading_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments held for trading</link:label>
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    <link:label id="lab_bbva_PlanAssetsBreakdownAxis_482e20b2-172a-4832-8ba9-aa2fd6968c19_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown [Axis]</link:label>
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    <link:label id="lab_bbva_PlanAssetsBreakdownAxis_documentation_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan assets breakdown</link:label>
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    <link:label id="lab_bbva_IncomeTaxAndOther_documentation_en-US" xlink:label="lab_bbva_IncomeTaxAndOther" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income tax and other</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1TableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AmountOfCapitalCC1TableTextBlock"/>
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    <link:label id="lab_bbva_MemorandumOtherCommitmentsGiven_623cae93-1843-44ea-a539-033cd8a7c538_terseLabel_en-US" xlink:label="lab_bbva_MemorandumOtherCommitmentsGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Memorandum other commitments given</link:label>
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    <link:label id="lab_bbva_RetirementsSalesAndOtherDecreases_documentation_en-US" xlink:label="lab_bbva_RetirementsSalesAndOtherDecreases" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirements sales and other decreases</link:label>
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    <link:label id="lab_bbva_EquityImpactTableTextBlock_7597921e-3587-48a7-8d7a-46b29cd51207_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity impact [Table Text Block]</link:label>
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    <link:label id="lab_bbva_CreditRiskAdjustmentsMember_label_en-US" xlink:label="lab_bbva_CreditRiskAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit risk adjustments [Member]</link:label>
    <link:label id="lab_bbva_CreditRiskAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_CreditRiskAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit risk adjustments</link:label>
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    <link:label id="lab_bbva_FinancialInstrumentsLevel3Axis_d22a92d5-1921-411f-86fa-f3b6ec5c3aea_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Axis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments level 3 [Axis]</link:label>
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    <link:label id="lab_bbva_CountryDomain_7b50cedb-5f68-4bd1-abd4-fd9f2cb72e7b_terseLabel_en-US" xlink:label="lab_bbva_CountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Country [Domain]</link:label>
    <link:label id="lab_bbva_CountryDomain_label_en-US" xlink:label="lab_bbva_CountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Country [Domain]</link:label>
    <link:label id="lab_bbva_CountryDomain_documentation_en-US" xlink:label="lab_bbva_CountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Country</link:label>
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    <link:label id="lab_bbva_CostMember_9a9b6ea3-00fb-4bb4-a868-e8153f3c932f_terseLabel_en-US" xlink:label="lab_bbva_CostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost [Member]</link:label>
    <link:label id="lab_bbva_CostMember_label_en-US" xlink:label="lab_bbva_CostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost [Member]</link:label>
    <link:label id="lab_bbva_CostMember_documentation_en-US" xlink:label="lab_bbva_CostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CostMember" xlink:href="bbva-20221231.xsd#bbva_CostMember"/>
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    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_314ad343-88f3-486d-a82c-2853c9553bd3_terseLabel_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation techniques used in fair value measurement [axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis"/>
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    <link:label id="lab_bbva_RightToUseInvestmentPropertiesMember_62a98f71-24fe-423d-b7ef-2afc649f8d52_terseLabel_en-US" xlink:label="lab_bbva_RightToUseInvestmentPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Right to use investment properties [Member]</link:label>
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    <link:label id="lab_bbva_DirectorsDomain_documentation_en-US" xlink:label="lab_bbva_DirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Directors</link:label>
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    <link:label id="lab_bbva_TheoreticalSharesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TheoreticalSharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Theoretical shares</link:label>
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    <link:label id="lab_bbva_CollectionAccountsMember_74167963-7cb2-457e-896d-e80fc3c569e8_terseLabel_en-US" xlink:label="lab_bbva_CollectionAccountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collection accounts [Member]</link:label>
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    <link:label id="lab_bbva_CollectionAccountsMember_documentation_en-US" xlink:label="lab_bbva_CollectionAccountsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collection accounts</link:label>
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    <link:label id="lab_bbva_MiningAndQuarryingMember_c3c5c3c6-d985-471d-accf-6d68650c9530_terseLabel_en-US" xlink:label="lab_bbva_MiningAndQuarryingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mining and quarrying [Member]</link:label>
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    <link:label id="lab_bbva_MiningAndQuarryingMember_documentation_en-US" xlink:label="lab_bbva_MiningAndQuarryingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mining and quarrying</link:label>
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    <link:label id="lab_bbva_CapitalBaseAndCapitalManagementAbstract_documentation_en-US" xlink:label="lab_bbva_CapitalBaseAndCapitalManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capital Base And Capital Management [Abstract]</link:label>
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    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForTradingLineItems_34bef6b3-8b19-402b-8558-92c3b561f8b5_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForTradingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for trading [Line Items]</link:label>
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    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForTradingLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForTradingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for trading</link:label>
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    <link:label id="lab_bbva_ValueOfOtherGuaranteesMember_fbd2ee7f-b301-4f45-b389-0fc35513defb_terseLabel_en-US" xlink:label="lab_bbva_ValueOfOtherGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of other guarantees [Member]</link:label>
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    <link:label id="lab_bbva_ValueOfOtherGuaranteesMember_documentation_en-US" xlink:label="lab_bbva_ValueOfOtherGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Value of other guarantees</link:label>
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    <link:label id="lab_bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost_493c0f0c-8203-466b-9b2f-7e84ca5d00bf_terseLabel_en-US" xlink:label="lab_bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross carrying amount loans and advances at amortized cost</link:label>
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    <link:label id="lab_bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost_documentation_en-US" xlink:label="lab_bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross carrying amount loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" xlink:href="bbva-20221231.xsd#bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost"/>
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    <link:label id="lab_ifrs-full_NetForeignExchangeLoss_e667d12d-04aa-43c6-9cd9-eed27dd92552_terseLabel_en-US" xlink:label="lab_ifrs-full_NetForeignExchangeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net foreign exchange loss</link:label>
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    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems_documentation_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions or reversal of provisions</link:label>
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    <link:label id="lab_ifrs-full_LandAndBuildingsMember_1bb9cd83-6e62-4aea-bebe-07b5c710e332_terseLabel_en-US" xlink:label="lab_ifrs-full_LandAndBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Land and buildings [member]</link:label>
    <link:label id="lab_ifrs-full_LandAndBuildingsMember_label_en-US" xlink:label="lab_ifrs-full_LandAndBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Land and buildings [member]</link:label>
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    <link:label id="lab_bbva_IncomeByOperatingSegmentDomain_d5b0367b-46f6-4291-ba14-de57827f99b1_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by operating segment [Domain]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentDomain_label_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by operating segment [Domain]</link:label>
    <link:label id="lab_bbva_IncomeByOperatingSegmentDomain_documentation_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by operating segment</link:label>
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    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsDomain_1baa0359-1d3a-4b05-8b5e-cb7dc16dc749_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets [Domain]</link:label>
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    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsDomain_documentation_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
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    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for functional currency income statement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock"/>
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    <link:label id="lab_bbva_FinancialInstrumentsAxis_c597ac48-823a-4c06-9922-9f3425a4b5aa_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAxis_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialInstrumentsAxis"/>
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    <link:label id="lab_bbva_HedgingInstrumentsAffectedByIBORAxis_66a89599-5d58-4f44-9268-185bed593975_terseLabel_en-US" xlink:label="lab_bbva_HedgingInstrumentsAffectedByIBORAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Intsruments Affected By IBOR [Axis]</link:label>
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    <link:label id="lab_bbva_HedgingInstrumentsAffectedByIBORAxis_documentation_en-US" xlink:label="lab_bbva_HedgingInstrumentsAffectedByIBORAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Instruments Affected By IBOR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingInstrumentsAffectedByIBORAxis" xlink:href="bbva-20221231.xsd#bbva_HedgingInstrumentsAffectedByIBORAxis"/>
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    <link:label id="lab_bbva_BBVABMinusRatingMember_a9f14e4a-78f1-4867-baf0-14a26d35370b_terseLabel_en-US" xlink:label="lab_bbva_BBVABMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA B minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVABMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA B minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA B minus Rating</link:label>
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    <link:label id="lab_bbva_RangesTreasuryStockDomain_8a7ed30f-01e0-4cbf-9ea6-1d80ec5de9e6_terseLabel_en-US" xlink:label="lab_bbva_RangesTreasuryStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ranges treasury stock [Domain]</link:label>
    <link:label id="lab_bbva_RangesTreasuryStockDomain_label_en-US" xlink:label="lab_bbva_RangesTreasuryStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ranges treasury stock [Domain]</link:label>
    <link:label id="lab_bbva_RangesTreasuryStockDomain_documentation_en-US" xlink:label="lab_bbva_RangesTreasuryStockDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ranges treasury stock</link:label>
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    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_33ae7f80-7a4e-4ac3-97ad-e83a0d288553_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reclassification adjustments on exchange differences on translation, before tax</link:label>
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    <link:label id="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions_e616cfdc-2ce0-477b-acf1-72bd21e070f8_terseLabel_en-US" xlink:label="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pensions And Other Post Employment Defined Benefit Obligations Provisions</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:to="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PropertyPlantAndEquipmentForOwnUse_b2ae7d6a-d97e-4310-99f2-1089ec5420c7_terseLabel_en-US" xlink:label="lab_bbva_PropertyPlantAndEquipmentForOwnUse" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property plant and equipment for own use</link:label>
    <link:label id="lab_bbva_PropertyPlantAndEquipmentForOwnUse_label_en-US" xlink:label="lab_bbva_PropertyPlantAndEquipmentForOwnUse" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property plant and equipment for own use</link:label>
    <link:label id="lab_bbva_PropertyPlantAndEquipmentForOwnUse_documentation_en-US" xlink:label="lab_bbva_PropertyPlantAndEquipmentForOwnUse" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property plant and equipment for own use</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PropertyPlantAndEquipmentForOwnUse" xlink:href="bbva-20221231.xsd#bbva_PropertyPlantAndEquipmentForOwnUse"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PropertyPlantAndEquipmentForOwnUse" xlink:to="lab_bbva_PropertyPlantAndEquipmentForOwnUse" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostLineItems_e018c349-096b-4608-8174-729cb5d38151_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Line Items]</link:label>
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    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock_c4f5af93-ec31-4720-a8b1-9093c450eef4_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Residual maturities by contractual periods [Table Text Block]</link:label>
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    <link:label id="lab_bbva_Level2ATradableAssetsMember_b32b7050-2c3e-4d16-a71b-34bb1e2bfe1c_terseLabel_en-US" xlink:label="lab_bbva_Level2ATradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level 2A tradable assets [Member]</link:label>
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    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_21089bc7-935e-4fc0-8f8c-e102b69f1686_totalLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_6e7ba52b-4c87-4284-a787-6db015cf460c_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:to="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl_1c35d491-e3f9-42fe-9692-2a4456f2a4ba_terseLabel_en-US" xlink:label="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other audit services of bbva sa or its companies under control</link:label>
    <link:label id="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl_label_en-US" xlink:label="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other audit services of bbva sa or its companies under control</link:label>
    <link:label id="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl_documentation_en-US" xlink:label="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other audit services of bbva sa or its companies under control</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:href="bbva-20221231.xsd#bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:to="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProducts_77372243-1185-434f-ba9e-20130d5bf2e9_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProducts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance products</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProducts_label_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProducts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance products</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProducts_documentation_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProducts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income by type of insurance products</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByTypeOfInsuranceProducts" xlink:href="bbva-20221231.xsd#bbva_IncomeByTypeOfInsuranceProducts"/>
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    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain_d7e39f1f-7943-4007-801a-f6fc85e5e35d_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" xlink:href="bbva-20221231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain_8d008a53-9ffa-4b90-8605-82bd18680014_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain_label_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain_documentation_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:href="bbva-20221231.xsd#bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:to="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageTreasuryStock_152203cd-13fb-4abc-9287-0ffc0573ebb3_terseLabel_en-US" xlink:label="lab_bbva_PercentageTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage treasury stock</link:label>
    <link:label id="lab_bbva_PercentageTreasuryStock_label_en-US" xlink:label="lab_bbva_PercentageTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage treasury stock</link:label>
    <link:label id="lab_bbva_PercentageTreasuryStock_documentation_en-US" xlink:label="lab_bbva_PercentageTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageTreasuryStock" xlink:href="bbva-20221231.xsd#bbva_PercentageTreasuryStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageTreasuryStock" xlink:to="lab_bbva_PercentageTreasuryStock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable_7e26b0f9-409c-4818-ba99-dd32bba409aa_terseLabel_en-US" xlink:label="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Calendar of the notional maturities of the hedging instruments [Table]</link:label>
    <link:label id="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable_label_en-US" xlink:label="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Calendar of the notional maturities of the hedging instruments [Table]</link:label>
    <link:label id="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable_documentation_en-US" xlink:label="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Calendar of the notional maturities of the hedging instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:href="bbva-20221231.xsd#bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:to="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember_1f16edea-9104-45b6-9990-2493f4b77ea7_terseLabel_en-US" xlink:label="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average purchase price of treasury shares in euros [Member]</link:label>
    <link:label id="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember_label_en-US" xlink:label="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average purchase price of treasury shares in euros [Member]</link:label>
    <link:label id="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember_documentation_en-US" xlink:label="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average purchase price of treasury shares in euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" xlink:href="bbva-20221231.xsd#bbva_AveragePurchasePriceOfTreasurySharesInEurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" xlink:to="lab_bbva_AveragePurchasePriceOfTreasurySharesInEurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByDetailAxis_5b81cde1-103f-4d91-b01f-3d26a0c84d45_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging derivatives breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_HedgingDerivativesBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:to="lab_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis_b31f89fc-7ce5-412f-8ccc-db49d0f57264_terseLabel_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit exposure classes of financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis_label_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit exposure classes of financial instruments [Axis]</link:label>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit exposure classes of financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:href="bbva-20221231.xsd#bbva_CreditExposureClassesOfFinancialInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:to="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsByCountryDomain_86cf1d63-0530-43a2-8c6e-b3e7d6216a32_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments by country [Domain]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsByCountryDomain_label_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments by country [Domain]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsByCountryDomain_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity instruments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsByCountryDomain" xlink:href="bbva-20221231.xsd#bbva_EquityInstrumentsByCountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsByCountryDomain" xlink:to="lab_bbva_EquityInstrumentsByCountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Correlations_8bf159f6-3309-4d94-838d-9e4629d66583_terseLabel_en-US" xlink:label="lab_bbva_Correlations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Correlations</link:label>
    <link:label id="lab_bbva_Correlations_label_en-US" xlink:label="lab_bbva_Correlations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Correlations</link:label>
    <link:label id="lab_bbva_Correlations_documentation_en-US" xlink:label="lab_bbva_Correlations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Correlations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Correlations" xlink:href="bbva-20221231.xsd#bbva_Correlations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Correlations" xlink:to="lab_bbva_Correlations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformAxis_48809e3f-1fa5-4a92-8752-ba2467a76aa8_terseLabel_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform [Axis]</link:label>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformAxis_label_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform [Axis]</link:label>
    <link:label id="lab_bbva_HedgesAffectedByTheIBORReformAxis_documentation_en-US" xlink:label="lab_bbva_HedgesAffectedByTheIBORReformAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges affected by the IBOR reform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgesAffectedByTheIBORReformAxis" xlink:href="bbva-20221231.xsd#bbva_HedgesAffectedByTheIBORReformAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgesAffectedByTheIBORReformAxis" xlink:to="lab_bbva_HedgesAffectedByTheIBORReformAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_b086a3ff-5fdc-4945-adcb-e36917790143_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, liabilities</link:label>
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    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge_7d933b30-afe1-410a-abde-eb05a78af3d6_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of share capital of shares of BBVA accepted in pledge</link:label>
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    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge_documentation_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of share capital of shares of BBVA accepted in pledge</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:to="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BusinessCombinationsMember_bfbe5525-cf25-4a72-80ed-26bbf9aa9e06_terseLabel_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Business combinations [member]</link:label>
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    <link:label id="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares_edf88f74-83c1-44f7-8c18-cd593f050e5c_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted reserve for parent company shares and loans for those shares</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:href="bbva-20221231.xsd#bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:to="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:type="arc" order="1"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" xlink:to="lab_bbva_OfWhichNetDefinedNetLiabilityOnTheConsolidatedBalanceSheetForProvisionsForPensionsAndSimilarObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain_dd765c34-2697-4390-85d1-ca8394c34cbb_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments collateral received [Domain]</link:label>
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    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain_documentation_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Classes of financial instruments collateral received</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock_7b6a13b4-0480-4aa2-aa74-2a853b06b9ac_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income equity instruments [Table Text Block]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAVRSeniorManagementAxis_fbf729b7-18f1-4293-bc80-a9f673bee983_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR senior management [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAVRSeniorManagementAxis_label_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR senior management [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAVRSeniorManagementAxis_documentation_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred AVR senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRSeniorManagementAxis" xlink:href="bbva-20221231.xsd#bbva_DeferredAVRSeniorManagementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAVRSeniorManagementAxis" xlink:to="lab_bbva_DeferredAVRSeniorManagementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock_841f9e58-16c4-4f7c-95ad-18fd463d21be_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities annual variations [Table Text Block]</link:label>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock_label_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities annual variations [Table Text Block]</link:label>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities annual variations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:to="lab_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssets_7ddd3159-3dd5-4db3-8968-c876d3d2e05c_totalLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_ca5352d3-9ee6-4f1e-8f0c-e7615b20213b_periodStartLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_a750e584-d7b6-45b9-82ed-6ee71ba4381a_periodEndLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_b00b4e04-e7cd-4eac-8fcf-daafb4374cd4_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_3bcf9f38-4a43-4d50-a681-67a8b37d06b1_negatedTerseLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_label_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_documentation_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssets" xlink:href="bbva-20221231.xsd#bbva_TangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssets" xlink:to="lab_bbva_TangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds_16667b90-9f9d-4ca8-ad64-8848fed66fef_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense On Chargeable Cost To Pension Funds</link:label>
    <link:label id="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds_label_en-US" xlink:label="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense On Chargeable Cost To Pension Funds</link:label>
    <link:label id="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds_documentation_en-US" xlink:label="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense On Chargeable Cost To Pension Funds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:href="bbva-20221231.xsd#bbva_InterestExpenseOnChargeableCostToPensionFunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:to="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources_f33793bc-a6a5-4d9d-b026-9ba3d0acbd3e_terseLabel_en-US" xlink:label="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill and other intangible assets eligible capital resources</link:label>
    <link:label id="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill and other intangible assets eligible capital resources</link:label>
    <link:label id="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Goodwill and other intangible assets eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:to="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComputerSoftwareMember_dcc61d9f-6625-4a64-ae01-9148dd65ba56_terseLabel_en-US" xlink:label="lab_ifrs-full_ComputerSoftwareMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Computer software [member]</link:label>
    <link:label id="lab_ifrs-full_ComputerSoftwareMember_label_en-US" xlink:label="lab_ifrs-full_ComputerSoftwareMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Computer software [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComputerSoftwareMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComputerSoftwareMember"/>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_d7dda0ca-ea19-45aa-91be-3cf19cbbd2bc_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at fair value through other comprehensive income [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock"/>
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    <link:label id="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of risk product or market of derivatives</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" xlink:to="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain_5ed5571a-7d2a-4e0a-aa84-5fd6063c5ed6_terseLabel_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown of debt securities by credit rating [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain_label_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown of debt securities by credit rating [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain_documentation_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Breakdown of debt securities by credit rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:href="bbva-20221231.xsd#bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:to="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock_010ad489-b62b-465f-a926-932314ae4a1c_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income breakdown by origin [Table Text Block]</link:label>
    <link:label id="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock_label_en-US" xlink:label="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income breakdown by origin [Table Text Block]</link:label>
    <link:label id="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock_documentation_en-US" xlink:label="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest income breakdown by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeBreakdownByOriginTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_InterestIncomeBreakdownByOriginTableTextBlock"/>
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    <link:label id="lab_bbva_LIBORGBP_4d4c5e14-0e82-485d-abae-9318230badcc_terseLabel_en-US" xlink:label="lab_bbva_LIBORGBP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR GBP</link:label>
    <link:label id="lab_bbva_LIBORGBP_label_en-US" xlink:label="lab_bbva_LIBORGBP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR GBP</link:label>
    <link:label id="lab_bbva_LIBORGBP_documentation_en-US" xlink:label="lab_bbva_LIBORGBP" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LIBOR GBP</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LIBORGBP" xlink:href="bbva-20221231.xsd#bbva_LIBORGBP"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LIBORGBP" xlink:to="lab_bbva_LIBORGBP" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NotionalAmount_2a2f4a67-822e-46b8-8e5b-48cd2de86a0b_terseLabel_en-US" xlink:label="lab_ifrs-full_NotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional amount</link:label>
    <link:label id="lab_ifrs-full_NotionalAmount_label_en-US" xlink:label="lab_ifrs-full_NotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotionalAmount" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotionalAmount" xlink:to="lab_ifrs-full_NotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityDomain_f63e7a2e-07c6-4875-b5b4-58a49b4eea48_terseLabel_en-US" xlink:label="lab_bbva_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity [Domain]</link:label>
    <link:label id="lab_bbva_MaturityDomain_label_en-US" xlink:label="lab_bbva_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity [Domain]</link:label>
    <link:label id="lab_bbva_MaturityDomain_documentation_en-US" xlink:label="lab_bbva_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityDomain" xlink:href="bbva-20221231.xsd#bbva_MaturityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaturityDomain" xlink:to="lab_bbva_MaturityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MinorityInterestLineItems_f535b668-f7c6-4f6e-b732-ca5ac33df641_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interest [Line Items]</link:label>
    <link:label id="lab_bbva_MinorityInterestLineItems_label_en-US" xlink:label="lab_bbva_MinorityInterestLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interest [Line Items]</link:label>
    <link:label id="lab_bbva_MinorityInterestLineItems_documentation_en-US" xlink:label="lab_bbva_MinorityInterestLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minority interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestLineItems" xlink:href="bbva-20221231.xsd#bbva_MinorityInterestLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestLineItems" xlink:to="lab_bbva_MinorityInterestLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProceedsFromTreasuryStockDisposal_cacb6458-9a24-43b1-af7d-fbbb130bd237_negatedTerseLabel_en-US" xlink:label="lab_bbva_ProceedsFromTreasuryStockDisposal" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds From Treasury Stock Disposal</link:label>
    <link:label id="lab_bbva_ProceedsFromTreasuryStockDisposal_label_en-US" xlink:label="lab_bbva_ProceedsFromTreasuryStockDisposal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds From Treasury Stock Disposal</link:label>
    <link:label id="lab_bbva_ProceedsFromTreasuryStockDisposal_documentation_en-US" xlink:label="lab_bbva_ProceedsFromTreasuryStockDisposal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds From Treasury Stock Disposal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProceedsFromTreasuryStockDisposal" xlink:href="bbva-20221231.xsd#bbva_ProceedsFromTreasuryStockDisposal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProceedsFromTreasuryStockDisposal" xlink:to="lab_bbva_ProceedsFromTreasuryStockDisposal" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates_36b3b50f-dd96-47f1-8566-10f1de96cf41_terseLabel_en-US" xlink:label="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reserves or accumulated losses of investments in subsidaries joint ventures and associates</link:label>
    <link:label id="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates_label_en-US" xlink:label="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reserves or accumulated losses of investments in subsidaries joint ventures and associates</link:label>
    <link:label id="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates_documentation_en-US" xlink:label="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reserves or accumulated losses of investments in subsidaries joint ventures and associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:href="bbva-20221231.xsd#bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:to="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PersonnelExpensesBreakdownTableTextBlock_d388a86b-7352-4863-a04c-5d00dca64c93_terseLabel_en-US" xlink:label="lab_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel Expenses Breakdown [Table Text Block]</link:label>
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    <link:label id="lab_bbva_PersonnelExpensesBreakdownTableTextBlock_documentation_en-US" xlink:label="lab_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Personnel Expenses Breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_PersonnelExpensesBreakdownTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:to="lab_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis_f8a25f5c-7a75-46ed-b82c-5fd5be4d4f64_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities at fair value breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis"/>
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    <link:label id="lab_bbva_OTCOptionsMember_e17c69b9-142d-4c3d-a79d-04f7f5b0fd29_terseLabel_en-US" xlink:label="lab_bbva_OTCOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">OTC Options [Member]</link:label>
    <link:label id="lab_bbva_OTCOptionsMember_label_en-US" xlink:label="lab_bbva_OTCOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">OTC Options [Member]</link:label>
    <link:label id="lab_bbva_OTCOptionsMember_documentation_en-US" xlink:label="lab_bbva_OTCOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">OTC Options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OTCOptionsMember" xlink:href="bbva-20221231.xsd#bbva_OTCOptionsMember"/>
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    <link:label id="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember_label_en-US" xlink:label="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which guarantees normal risks under special monitoring [Member]</link:label>
    <link:label id="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember_documentation_en-US" xlink:label="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which guarantees normal risks under special monitoring</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember"/>
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    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_d213f7f1-4da8-454c-aca7-22d1b1679c8c_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of profit (loss) of associates and joint ventures accounted for using equity method</link:label>
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    <link:label id="lab_bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember_63f44bd0-a614-4bb9-a158-779c9fbb08a6_terseLabel_en-US" xlink:label="lab_bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Public administration and defense compulsory social security [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember" xlink:href="bbva-20221231.xsd#bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember" xlink:to="lab_bbva_PublicAdministrationAndDefenseCompulsorySocialSecurityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfCustomersDomain_e9b4877c-28ed-4037-a5b1-459bf50ebdd8_terseLabel_en-US" xlink:label="lab_bbva_TypeOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of customers [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfCustomersDomain_label_en-US" xlink:label="lab_bbva_TypeOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of customers [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfCustomersDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfCustomersDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfCustomersDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfCustomersDomain" xlink:to="lab_bbva_TypeOfCustomersDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock_2a2dcd2d-c755-4f2d-960e-429199d52156_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Provisions or reversal of provisions [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Provisions or reversal of provisions [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:to="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountOfCapitalCC1LineItems_440aaf71-bfa9-409a-ac76-573e74244ac4_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1LineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1 [Line Items]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1LineItems_label_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1LineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1 [Line Items]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1LineItems_documentation_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1LineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1LineItems" xlink:href="bbva-20221231.xsd#bbva_AmountOfCapitalCC1LineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountOfCapitalCC1LineItems" xlink:to="lab_bbva_AmountOfCapitalCC1LineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityRiskMember_bf184b1e-dc9a-4624-a8f4-d766f223a37e_terseLabel_en-US" xlink:label="lab_bbva_EquityRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity risk [Member]</link:label>
    <link:label id="lab_bbva_EquityRiskMember_label_en-US" xlink:label="lab_bbva_EquityRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity risk [Member]</link:label>
    <link:label id="lab_bbva_EquityRiskMember_documentation_en-US" xlink:label="lab_bbva_EquityRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityRiskMember" xlink:href="bbva-20221231.xsd#bbva_EquityRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityRiskMember" xlink:to="lab_bbva_EquityRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember_63551a42-1f3c-4839-9521-d4d01604c881_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity attributable to owners of parent [member]</link:label>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember_label_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss attributable to owners of the parent [Member]</link:label>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Profit or loss attributable to owners of the parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" xlink:href="bbva-20221231.xsd#bbva_ProfitOrLossAttributableToOwnersOfTheParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" xlink:to="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalDepositsAtAmortisedCost_37e5d457-db6d-456c-89b8-99602bb1346e_terseLabel_en-US" xlink:label="lab_bbva_TotalDepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total deposits at amortised cost</link:label>
    <link:label id="lab_bbva_TotalDepositsAtAmortisedCost_label_en-US" xlink:label="lab_bbva_TotalDepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total deposits at amortised cost</link:label>
    <link:label id="lab_bbva_TotalDepositsAtAmortisedCost_documentation_en-US" xlink:label="lab_bbva_TotalDepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total deposits at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalDepositsAtAmortisedCost" xlink:href="bbva-20221231.xsd#bbva_TotalDepositsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalDepositsAtAmortisedCost" xlink:to="lab_bbva_TotalDepositsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates_a18f74fc-bd40-4344-b574-112dfb822bfa_negatedTerseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:href="bbva-20221231.xsd#bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CountryAxis_8744554c-22d4-41b0-bca7-859b7670a080_terseLabel_en-US" xlink:label="lab_bbva_CountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Country [Axis]</link:label>
    <link:label id="lab_bbva_CountryAxis_label_en-US" xlink:label="lab_bbva_CountryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Country [Axis]</link:label>
    <link:label id="lab_bbva_CountryAxis_documentation_en-US" xlink:label="lab_bbva_CountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CountryAxis" xlink:href="bbva-20221231.xsd#bbva_CountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CountryAxis" xlink:to="lab_bbva_CountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock_796f31c5-7162-44c9-8535-5791e5788f4a_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instrument [Table Text Block]</link:label>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock_label_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instrument [Table Text Block]</link:label>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liquidity available by instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_LiquidityAvailableByInstrumentTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:to="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_04454e0d-80d0-49fa-aca0-e39439ac241c_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three years and not later than five years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three years and not later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignSecurity_851ba2e1-ba5d-49ce-bc5e-b4b00f0f8df9_terseLabel_en-US" xlink:label="lab_bbva_ForeignSecurity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign security</link:label>
    <link:label id="lab_bbva_ForeignSecurity_label_en-US" xlink:label="lab_bbva_ForeignSecurity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign security</link:label>
    <link:label id="lab_bbva_ForeignSecurity_documentation_en-US" xlink:label="lab_bbva_ForeignSecurity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignSecurity" xlink:href="bbva-20221231.xsd#bbva_ForeignSecurity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignSecurity" xlink:to="lab_bbva_ForeignSecurity" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFilerCategory_a71c29c5-9907-4439-8b37-682fba5d258c_terseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Filer Category</link:label>
    <link:label id="lab_dei_EntityFilerCategory_label_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Filer Category</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFilerCategory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFilerCategory" xlink:to="lab_dei_EntityFilerCategory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_b71796a3-1637-414f-b2a4-8752b901131c_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for employee benefits</link:label>
    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_1f287488-b8c6-490c-a5cb-88bce99153b4_periodStartLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for employee benefits</link:label>
    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_29f8ea3f-458b-4db0-bbfd-b062883fd431_periodEndLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for employee benefits</link:label>
    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_label_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for employee benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProvisionsForEmployeeBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProvisionsForEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProvisionsForEmployeeBenefits" xlink:to="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax_25420a26-0c36-4bb2-8237-4eb599a527c1_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, before tax</link:label>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:to="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified_57b0503c-2afd-46a6-b1d0-cd492bddefa2_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets and disposal groups classified as held for sale (not reclassified)</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets and disposal groups classified as held for sale (not reclassified)</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assets and disposal groups classified as held for sale (not reclassified)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember_68ea4a04-8527-43db-aaff-d6fcc56df3f3_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which loss allowances of debt securities [Member]</link:label>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember_label_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which loss allowances of debt securities [Member]</link:label>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which loss allowances of debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichLossAllowancesOfDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:to="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss_b6f6f390-76a1-439b-8d1f-fe42d2d16b2e_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets designated at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets designated at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets designated at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherOperatingIncomeTableTextBlock_dbaa0c1e-1b2f-4037-8231-405d19b608ff_terseLabel_en-US" xlink:label="lab_bbva_OtherOperatingIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other operating income [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherOperatingIncomeTableTextBlock_label_en-US" xlink:label="lab_bbva_OtherOperatingIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other operating income [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherOperatingIncomeTableTextBlock_documentation_en-US" xlink:label="lab_bbva_OtherOperatingIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other operating income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOperatingIncomeTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_OtherOperatingIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherOperatingIncomeTableTextBlock" xlink:to="lab_bbva_OtherOperatingIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain_67590fbf-110c-400f-a8f7-cea10ed89842_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk LMU types [Domain]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain_label_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk LMU types [Domain]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk LMU types</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:to="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssociatesMember_47e956bc-81f0-4f9d-85c2-c4099afb5d29_terseLabel_en-US" xlink:label="lab_bbva_OtherAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other associates [Member]</link:label>
    <link:label id="lab_bbva_OtherAssociatesMember_label_en-US" xlink:label="lab_bbva_OtherAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other associates [Member]</link:label>
    <link:label id="lab_bbva_OtherAssociatesMember_documentation_en-US" xlink:label="lab_bbva_OtherAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssociatesMember" xlink:href="bbva-20221231.xsd#bbva_OtherAssociatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssociatesMember" xlink:to="lab_bbva_OtherAssociatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss_991f5fb1-fd6b-4008-9ccc-7fa6597638e9_terseLabel_en-US" xlink:label="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments For Decrease Increase In Other Financial Assets Designated At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments For Decrease Increase In Other Financial Assets Designated At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments For Decrease Increase In Other Financial Assets Designated At Fair Value Through Profit Or Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:href="bbva-20221231.xsd#bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignCurrencyTranslation_e37f12ba-9a98-4f20-9c8f-02bcf1f00121_terseLabel_en-US" xlink:label="lab_bbva_ForeignCurrencyTranslation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign currency translation</link:label>
    <link:label id="lab_bbva_ForeignCurrencyTranslation_label_en-US" xlink:label="lab_bbva_ForeignCurrencyTranslation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign currency translation</link:label>
    <link:label id="lab_bbva_ForeignCurrencyTranslation_documentation_en-US" xlink:label="lab_bbva_ForeignCurrencyTranslation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Foreign currency translation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignCurrencyTranslation" xlink:href="bbva-20221231.xsd#bbva_ForeignCurrencyTranslation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignCurrencyTranslation" xlink:to="lab_bbva_ForeignCurrencyTranslation" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_f1cca931-b1d4-4f81-a9ea-f18d443f4afa_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTradingMember_faf9c04e-c952-4f42-a984-29fb1269b381_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities held for trading [Member]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTradingMember_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities held for trading [Member]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTradingMember_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:href="bbva-20221231.xsd#bbva_FinancialLiabilitiesHeldForTradingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:to="lab_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense_cae1a08e-3fb3-4f8d-ae10-e343f74d4c1d_terseLabel_en-US" xlink:label="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hiperinflation Adjustments other operating expense</link:label>
    <link:label id="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense_label_en-US" xlink:label="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hiperinflation Adjustments other operating expense</link:label>
    <link:label id="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense_documentation_en-US" xlink:label="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hiperinflation Adjustments other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:href="bbva-20221231.xsd#bbva_HiperinflationAdjustmentsOtherOperatingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:to="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BillsReceivables_3c2e5a92-a9af-4ea3-9f12-eb235fcfd789_terseLabel_en-US" xlink:label="lab_bbva_BillsReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bills receivables</link:label>
    <link:label id="lab_bbva_BillsReceivables_label_en-US" xlink:label="lab_bbva_BillsReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bills receivables</link:label>
    <link:label id="lab_bbva_BillsReceivables_documentation_en-US" xlink:label="lab_bbva_BillsReceivables" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Bills receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BillsReceivables" xlink:href="bbva-20221231.xsd#bbva_BillsReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BillsReceivables" xlink:to="lab_bbva_BillsReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInGainsLossesTable_b8052c03-cdc2-4545-9588-100e68cf63a7_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGainsLossesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gains losses [Table]</link:label>
    <link:label id="lab_bbva_ChangesInGainsLossesTable_label_en-US" xlink:label="lab_bbva_ChangesInGainsLossesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gains losses [Table]</link:label>
    <link:label id="lab_bbva_ChangesInGainsLossesTable_documentation_en-US" xlink:label="lab_bbva_ChangesInGainsLossesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in gains losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInGainsLossesTable" xlink:href="bbva-20221231.xsd#bbva_ChangesInGainsLossesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInGainsLossesTable" xlink:to="lab_bbva_ChangesInGainsLossesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock_beed9e6a-9833-43f3-9cbb-6c602099e4db_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for property plant and equipment [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for property plant and equipment [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for property plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock_6e1eedbf-d2a9-48a1-98ad-19ffa7049b92_terseLabel_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties breakdown by concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock_label_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transactions on behalf of third parties breakdown by concepts [Table Text Block]</link:label>
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    <link:label id="lab_bbva_CreditRiskHedgeCashFlowMember_documentation_en-US" xlink:label="lab_bbva_CreditRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit risk hedge cash flow</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxAssetsAndLiabilitiesLineItems" xlink:to="lab_bbva_TaxAssetsAndLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems_9cf94582-9a6a-420b-b9cc-9461d3e2be23_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual variable remuneration BBVA directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationBBVADirectorsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:to="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeesForAuditsConductedByOtherFirms_d9c07f54-b3e6-4dd8-b990-cbc28a090711_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedByOtherFirms" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted by other firms</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedByOtherFirms_label_en-US" xlink:label="lab_bbva_FeesForAuditsConductedByOtherFirms" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted by other firms</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedByOtherFirms_documentation_en-US" xlink:label="lab_bbva_FeesForAuditsConductedByOtherFirms" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted by other firms</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedByOtherFirms" xlink:href="bbva-20221231.xsd#bbva_FeesForAuditsConductedByOtherFirms"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeesForAuditsConductedByOtherFirms" xlink:to="lab_bbva_FeesForAuditsConductedByOtherFirms" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_cb0c3396-df72-410a-bad7-167bf56e755b_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through foreign exchange and other movements, financial assets</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) through foreign exchange and other movements, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets_e18faddf-541b-4196-b503-81e8867b4d24_terseLabel_en-US" xlink:label="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decreases by companies held for sale other intangible assets</link:label>
    <link:label id="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets_label_en-US" xlink:label="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decreases by companies held for sale other intangible assets</link:label>
    <link:label id="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets_documentation_en-US" xlink:label="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decreases by companies held for sale other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" xlink:href="bbva-20221231.xsd#bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" xlink:to="lab_bbva_DecreasesByCompaniesHeldForSaleOtherIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember_a779d62b-89fa-4c31-95d6-94b69c114b3b_terseLabel_en-US" xlink:label="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Direct and indirect holdings in own common equity tier 1 instruments [Member]</link:label>
    <link:label id="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember_label_en-US" xlink:label="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Direct and indirect holdings in own common equity tier 1 instruments [Member]</link:label>
    <link:label id="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember_documentation_en-US" xlink:label="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Direct and indirect holdings in own common equity tier 1 instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:href="bbva-20221231.xsd#bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:to="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets_eb35d578-22f2-4a73-ba22-09fac9dd2352_terseLabel_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 3 into level 2 of fair value hierarchy assets</link:label>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 3 into level 2 of fair value hierarchy assets</link:label>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets_documentation_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers out of level 3 into level 2 of fair value hierarchy assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:href="bbva-20221231.xsd#bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:to="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock_aec8effe-bb01-4b42-aa15-20af4dbbefa9_terseLabel_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Table Text Block]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock_label_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity [Table Text Block]</link:label>
    <link:label id="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax recognized in total equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxRecognizedInTotalEquityTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_TaxRecognizedInTotalEquityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxRecognizedInTotalEquityTableTextBlock" xlink:to="lab_bbva_TaxRecognizedInTotalEquityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLiabilitiesAccruals_81d742fd-d3a4-48b8-959e-a6898bba9658_terseLabel_en-US" xlink:label="lab_bbva_OtherLiabilitiesAccruals" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities Accruals</link:label>
    <link:label id="lab_bbva_OtherLiabilitiesAccruals_label_en-US" xlink:label="lab_bbva_OtherLiabilitiesAccruals" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities Accruals</link:label>
    <link:label id="lab_bbva_OtherLiabilitiesAccruals_documentation_en-US" xlink:label="lab_bbva_OtherLiabilitiesAccruals" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities Accruals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLiabilitiesAccruals" xlink:href="bbva-20221231.xsd#bbva_OtherLiabilitiesAccruals"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherLiabilitiesAccruals" xlink:to="lab_bbva_OtherLiabilitiesAccruals" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember_b3f9e831-4a23-4368-b759-38b94eb1f0c0_terseLabel_en-US" xlink:label="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets with definite useful life [Member]</link:label>
    <link:label id="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember_label_en-US" xlink:label="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets with definite useful life [Member]</link:label>
    <link:label id="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember_documentation_en-US" xlink:label="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Intangible assets with definite useful life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:href="bbva-20221231.xsd#bbva_IntangibleAssetsWithDefiniteUsefulLifeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:to="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HybridFinancialInstrumentsMember_d1c7365a-7e8e-4e77-8de7-c275c5964f69_terseLabel_en-US" xlink:label="lab_bbva_HybridFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hybrid financial instruments [Member]</link:label>
    <link:label id="lab_bbva_HybridFinancialInstrumentsMember_label_en-US" xlink:label="lab_bbva_HybridFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hybrid financial instruments [Member]</link:label>
    <link:label id="lab_bbva_HybridFinancialInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_HybridFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hybrid financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HybridFinancialInstrumentsMember" xlink:href="bbva-20221231.xsd#bbva_HybridFinancialInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HybridFinancialInstrumentsMember" xlink:to="lab_bbva_HybridFinancialInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MortalityTables_e8292c94-c6e3-45e3-ae2a-3f0cbb6507d0_terseLabel_en-US" xlink:label="lab_bbva_MortalityTables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mortality tables</link:label>
    <link:label id="lab_bbva_MortalityTables_label_en-US" xlink:label="lab_bbva_MortalityTables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mortality tables</link:label>
    <link:label id="lab_bbva_MortalityTables_documentation_en-US" xlink:label="lab_bbva_MortalityTables" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Mortality tables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MortalityTables" xlink:href="bbva-20221231.xsd#bbva_MortalityTables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MortalityTables" xlink:to="lab_bbva_MortalityTables" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfScenarioDomain_7810e307-9ece-4884-9b5a-b9cef684bf82_terseLabel_en-US" xlink:label="lab_bbva_TypeOfScenarioDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of scenario [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfScenarioDomain_label_en-US" xlink:label="lab_bbva_TypeOfScenarioDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of scenario [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfScenarioDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfScenarioDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfScenarioDomain" xlink:href="bbva-20221231.xsd#bbva_TypeOfScenarioDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypeOfScenarioDomain" xlink:to="lab_bbva_TypeOfScenarioDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionCommitments_6aebe92e-e3bb-4537-b694-6f55f5c9fd06_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments</link:label>
    <link:label id="lab_bbva_PensionCommitments_label_en-US" xlink:label="lab_bbva_PensionCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments</link:label>
    <link:label id="lab_bbva_PensionCommitments_documentation_en-US" xlink:label="lab_bbva_PensionCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pension commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitments" xlink:href="bbva-20221231.xsd#bbva_PensionCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionCommitments" xlink:to="lab_bbva_PensionCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments_1ba4d92a-c134-4e74-9390-247b214ea558_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of contingent risk and commitments</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments_label_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of contingent risk and commitments</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments_documentation_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of contingent risk and commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" xlink:href="bbva-20221231.xsd#bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" xlink:to="lab_bbva_ProbabilityOfDefaultOfContingentRiskAndCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilities_340509e0-ad37-4dd3-a77a-8e40260aa5cf_periodStartLabel_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities</link:label>
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    <link:label id="lab_bbva_Additions_documentation_en-US" xlink:label="lab_bbva_Additions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Additions" xlink:href="bbva-20221231.xsd#bbva_Additions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Additions" xlink:to="lab_bbva_Additions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementMember_69f3e70f-910f-4584-b84a-186ba9bbb260_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management [Member]</link:label>
    <link:label id="lab_bbva_SeniorManagementMember_label_en-US" xlink:label="lab_bbva_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management [Member]</link:label>
    <link:label id="lab_bbva_SeniorManagementMember_documentation_en-US" xlink:label="lab_bbva_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementMember" xlink:href="bbva-20221231.xsd#bbva_SeniorManagementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorManagementMember" xlink:to="lab_bbva_SeniorManagementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock_7694e851-9aeb-4fef-809d-8298f1a1fe64_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted and other related services [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock_label_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted and other related services [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees for audits conducted and other related services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:to="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock_ea1fc8c5-9d72-4e63-8e49-2de35c18c76a_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_FinancialAssetsAtAmortisedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:to="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HousingPrice100Bp_e90ab7e7-4d66-4d0b-83eb-46dd9ae39eac_terseLabel_en-US" xlink:label="lab_bbva_HousingPrice100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Housing price -100 bp</link:label>
    <link:label id="lab_bbva_HousingPrice100Bp_label_en-US" xlink:label="lab_bbva_HousingPrice100Bp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Housing price -100 bp</link:label>
    <link:label id="lab_bbva_HousingPrice100Bp_documentation_en-US" xlink:label="lab_bbva_HousingPrice100Bp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Housing price -100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HousingPrice100Bp" xlink:href="bbva-20221231.xsd#bbva_HousingPrice100Bp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HousingPrice100Bp" xlink:to="lab_bbva_HousingPrice100Bp" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JosMaldonadoRamosMember_9244fc30-52f7-4ab3-9968-17a0c97f2166_terseLabel_en-US" xlink:label="lab_bbva_JosMaldonadoRamosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Jos&#233; Maldonado Ramos [Member]</link:label>
    <link:label id="lab_bbva_JosMaldonadoRamosMember_label_en-US" xlink:label="lab_bbva_JosMaldonadoRamosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Jos&#233; Maldonado Ramos [Member]</link:label>
    <link:label id="lab_bbva_JosMaldonadoRamosMember_documentation_en-US" xlink:label="lab_bbva_JosMaldonadoRamosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Jos&#233; Maldonado Ramos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JosMaldonadoRamosMember" xlink:href="bbva-20221231.xsd#bbva_JosMaldonadoRamosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JosMaldonadoRamosMember" xlink:to="lab_bbva_JosMaldonadoRamosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCustomersMember_01e35c4e-ec22-4a9d-9823-6af88f081272_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from customers [Member]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersMember_label_en-US" xlink:label="lab_bbva_DepositsFromCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from customers [Member]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersMember_documentation_en-US" xlink:label="lab_bbva_DepositsFromCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits from customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCustomersMember" xlink:href="bbva-20221231.xsd#bbva_DepositsFromCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCustomersMember" xlink:to="lab_bbva_DepositsFromCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage_c1ec3f2d-f09e-4c46-b57a-deadd7ba5400_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Adjustment Interest On Accounting Coverage</link:label>
    <link:label id="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage_label_en-US" xlink:label="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Adjustment Interest On Accounting Coverage</link:label>
    <link:label id="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage_documentation_en-US" xlink:label="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense For Adjustment Interest On Accounting Coverage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:href="bbva-20221231.xsd#bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:to="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VoluntaryReserves_4fe55968-9907-47e6-b78c-c477980c7119_terseLabel_en-US" xlink:label="lab_bbva_VoluntaryReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Voluntary reserves</link:label>
    <link:label id="lab_bbva_VoluntaryReserves_label_en-US" xlink:label="lab_bbva_VoluntaryReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Voluntary reserves</link:label>
    <link:label id="lab_bbva_VoluntaryReserves_documentation_en-US" xlink:label="lab_bbva_VoluntaryReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Voluntary reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VoluntaryReserves" xlink:href="bbva-20221231.xsd#bbva_VoluntaryReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VoluntaryReserves" xlink:to="lab_bbva_VoluntaryReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseSales_c61c51cb-9938-41d7-8140-57c8f988fe1f_terseLabel_en-US" xlink:label="lab_bbva_DecreaseSales" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease sales</link:label>
    <link:label id="lab_bbva_DecreaseSales_label_en-US" xlink:label="lab_bbva_DecreaseSales" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease sales</link:label>
    <link:label id="lab_bbva_DecreaseSales_documentation_en-US" xlink:label="lab_bbva_DecreaseSales" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease sales</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseSales" xlink:href="bbva-20221231.xsd#bbva_DecreaseSales"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseSales" xlink:to="lab_bbva_DecreaseSales" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementRetirement_883b7885-974b-4718-a4c0-76a07903da7b_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementRetirement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management retirement</link:label>
    <link:label id="lab_bbva_SeniorManagementRetirement_label_en-US" xlink:label="lab_bbva_SeniorManagementRetirement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management retirement</link:label>
    <link:label id="lab_bbva_SeniorManagementRetirement_documentation_en-US" xlink:label="lab_bbva_SeniorManagementRetirement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior management retirement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementRetirement" xlink:href="bbva-20221231.xsd#bbva_SeniorManagementRetirement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorManagementRetirement" xlink:to="lab_bbva_SeniorManagementRetirement" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesInMillionsOfEuros_cbf79f79-f55b-4942-98f6-5e503b184aea_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares in millions of euros</link:label>
    <link:label id="lab_bbva_TreasurySharesInMillionsOfEuros_label_en-US" xlink:label="lab_bbva_TreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares in millions of euros</link:label>
    <link:label id="lab_bbva_TreasurySharesInMillionsOfEuros_documentation_en-US" xlink:label="lab_bbva_TreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares in millions of euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesInMillionsOfEuros" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesInMillionsOfEuros"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesInMillionsOfEuros" xlink:to="lab_bbva_TreasurySharesInMillionsOfEuros" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionsTangibleAssetsMember_96499c5f-3991-487d-a22c-efacc0ef7a16_terseLabel_en-US" xlink:label="lab_bbva_AdditionsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions tangible assets [Member]</link:label>
    <link:label id="lab_bbva_AdditionsTangibleAssetsMember_label_en-US" xlink:label="lab_bbva_AdditionsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions tangible assets [Member]</link:label>
    <link:label id="lab_bbva_AdditionsTangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_AdditionsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additions tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsTangibleAssetsMember" xlink:href="bbva-20221231.xsd#bbva_AdditionsTangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionsTangibleAssetsMember" xlink:to="lab_bbva_AdditionsTangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionalTier1AT1Member_4a32bc95-0483-4f42-ad84-685c910ec8ec_terseLabel_en-US" xlink:label="lab_bbva_AdditionalTier1AT1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 AT1 [Member]</link:label>
    <link:label id="lab_bbva_AdditionalTier1AT1Member_label_en-US" xlink:label="lab_bbva_AdditionalTier1AT1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 AT1 [Member]</link:label>
    <link:label id="lab_bbva_AdditionalTier1AT1Member_documentation_en-US" xlink:label="lab_bbva_AdditionalTier1AT1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional tier 1 AT1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionalTier1AT1Member" xlink:href="bbva-20221231.xsd#bbva_AdditionalTier1AT1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionalTier1AT1Member" xlink:to="lab_bbva_AdditionalTier1AT1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesAbstract_70985be5-386c-420d-85ec-09c85334ac0b_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Abstract]</link:label>
    <link:label id="lab_bbva_TreasurySharesAbstract_label_en-US" xlink:label="lab_bbva_TreasurySharesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Abstract]</link:label>
    <link:label id="lab_bbva_TreasurySharesAbstract_documentation_en-US" xlink:label="lab_bbva_TreasurySharesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesAbstract" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesAbstract" xlink:to="lab_bbva_TreasurySharesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinanceLeasesMember_cad51c0b-aeea-4fb1-93e1-ba01b78d2e2b_terseLabel_en-US" xlink:label="lab_bbva_FinanceLeasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Finance leases [Member]</link:label>
    <link:label id="lab_bbva_FinanceLeasesMember_label_en-US" xlink:label="lab_bbva_FinanceLeasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Finance leases [Member]</link:label>
    <link:label id="lab_bbva_FinanceLeasesMember_documentation_en-US" xlink:label="lab_bbva_FinanceLeasesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Finance leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinanceLeasesMember" xlink:href="bbva-20221231.xsd#bbva_FinanceLeasesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinanceLeasesMember" xlink:to="lab_bbva_FinanceLeasesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain_5639c6ff-7113-4b26-922f-ab3c4101a150_terseLabel_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit exposure classes of financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit exposure classes of financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit exposure classes of financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:href="bbva-20221231.xsd#bbva_CreditExposureClassesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:to="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers_aa58d192-951d-4c5b-a39b-d7f139544c28_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of loans and advances to customers</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers_label_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of loans and advances to customers</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers_documentation_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Probability of default of loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:href="bbva-20221231.xsd#bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:to="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MainCurrenciesSensitivityAxis_4da28295-d26e-4e10-809c-69bad0b5348f_terseLabel_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main currencies sensitivity [Axis]</link:label>
    <link:label id="lab_bbva_MainCurrenciesSensitivityAxis_label_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main currencies sensitivity [Axis]</link:label>
    <link:label id="lab_bbva_MainCurrenciesSensitivityAxis_documentation_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Main currencies sensitivity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainCurrenciesSensitivityAxis" xlink:href="bbva-20221231.xsd#bbva_MainCurrenciesSensitivityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MainCurrenciesSensitivityAxis" xlink:to="lab_bbva_MainCurrenciesSensitivityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome_b669f201-32ec-46e1-90cb-5d5f51703041_terseLabel_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan commitments given fee and commission income</link:label>
    <link:label id="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome_label_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan commitments given fee and commission income</link:label>
    <link:label id="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome_documentation_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan commitments given fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:href="bbva-20221231.xsd#bbva_LoanCommitmentsGivenFeeAndCommissionIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:to="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_COP_a62ec34a-88f7-406f-bd53-d70750d4dd46_terseLabel_en-US" xlink:label="lab_currency_COP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Colombia, Pesos</link:label>
    <link:label id="lab_currency_COP_label_en-US" xlink:label="lab_currency_COP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Colombia, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_COP" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_COP"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_COP" xlink:to="lab_currency_COP" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain_13d4ef12-283e-4dc0-890e-cfe9133943f7_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities [Domain]</link:label>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain_label_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities [Domain]</link:label>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain_documentation_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:href="bbva-20221231.xsd#bbva_DeferredTaxAssetsAndLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:to="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember_0e4d8751-b311-4628-949f-1200b057000c_terseLabel_en-US" xlink:label="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Potential impact on other comprehensive income [Member]</link:label>
    <link:label id="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Potential impact on other comprehensive income [Member]</link:label>
    <link:label id="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember_documentation_en-US" xlink:label="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Potential impact on other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:href="bbva-20221231.xsd#bbva_PotentialImpactOnOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:to="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssestsAvailableForSale_fa1d0fd7-a8e7-4c6f-92f1-c382c27990ab_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssestsAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assests available for sale</link:label>
    <link:label id="lab_bbva_NonCurrentAssestsAvailableForSale_label_en-US" xlink:label="lab_bbva_NonCurrentAssestsAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assests available for sale</link:label>
    <link:label id="lab_bbva_NonCurrentAssestsAvailableForSale_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssestsAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-current assests available for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssestsAvailableForSale" xlink:href="bbva-20221231.xsd#bbva_NonCurrentAssestsAvailableForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssestsAvailableForSale" xlink:to="lab_bbva_NonCurrentAssestsAvailableForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock_19197995-80ef-440d-99d3-673794a433e4_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions CGU goodwill in Mexico [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock_label_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions CGU goodwill in Mexico [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impairment test assumptions CGU goodwill in Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:to="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAArgentineGroupMember_2dfd7791-a77e-4c0e-8b2e-16f761a53ee9_terseLabel_en-US" xlink:label="lab_bbva_BBVAArgentineGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Argentine group [Member]</link:label>
    <link:label id="lab_bbva_BBVAArgentineGroupMember_label_en-US" xlink:label="lab_bbva_BBVAArgentineGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Argentine group [Member]</link:label>
    <link:label id="lab_bbva_BBVAArgentineGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVAArgentineGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">BBVA Argentine group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAArgentineGroupMember" xlink:href="bbva-20221231.xsd#bbva_BBVAArgentineGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAArgentineGroupMember" xlink:to="lab_bbva_BBVAArgentineGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesAtTheEndMember_ebae6144-51b4-44a6-84ef-b6287fc9f271_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesAtTheEndMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares at the end [Member]</link:label>
    <link:label id="lab_bbva_TreasurySharesAtTheEndMember_label_en-US" xlink:label="lab_bbva_TreasurySharesAtTheEndMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares at the end [Member]</link:label>
    <link:label id="lab_bbva_TreasurySharesAtTheEndMember_documentation_en-US" xlink:label="lab_bbva_TreasurySharesAtTheEndMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares at the end</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesAtTheEndMember" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesAtTheEndMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesAtTheEndMember" xlink:to="lab_bbva_TreasurySharesAtTheEndMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_c912a830-3d9f-455a-a16a-e44ecfe0d36d_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges of net investment in foreign operations [member]</link:label>
    <link:label id="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_label_en-US" xlink:label="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedges of net investment in foreign operations [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:to="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember_e0277940-3fa6-4ac9-bf6c-71eb0ec86489_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three months and not later than six months [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Later than three months and not later than six months [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember" xlink:to="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BanksMember_bcbc993e-3e19-49e8-b891-41bfa116cc39_terseLabel_en-US" xlink:label="lab_bbva_BanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banks [Member]</link:label>
    <link:label id="lab_bbva_BanksMember_label_en-US" xlink:label="lab_bbva_BanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banks [Member]</link:label>
    <link:label id="lab_bbva_BanksMember_documentation_en-US" xlink:label="lab_bbva_BanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BanksMember" xlink:href="bbva-20221231.xsd#bbva_BanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BanksMember" xlink:to="lab_bbva_BanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock_424cb733-fd0e-464f-bf5e-6f61cc989550_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual Variable Remuneration (AVR) [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual Variable Remuneration (AVR) [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Annual Variable Remuneration (AVR)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_AnnualVariableRemunerationAVRTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:to="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesAtTheBeginningMember_067c25c2-d973-482c-bc74-2bfde72f8b00_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesAtTheBeginningMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares at the beginning [Member]</link:label>
    <link:label id="lab_bbva_TreasurySharesAtTheBeginningMember_label_en-US" xlink:label="lab_bbva_TreasurySharesAtTheBeginningMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares at the beginning [Member]</link:label>
    <link:label id="lab_bbva_TreasurySharesAtTheBeginningMember_documentation_en-US" xlink:label="lab_bbva_TreasurySharesAtTheBeginningMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares at the beginning</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesAtTheBeginningMember" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesAtTheBeginningMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesAtTheBeginningMember" xlink:to="lab_bbva_TreasurySharesAtTheBeginningMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MetrovacesaSAMember_01fb42b9-478b-4aab-a68e-ba76c8a273bd_terseLabel_en-US" xlink:label="lab_bbva_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Metrovacesa SA [Member]</link:label>
    <link:label id="lab_bbva_MetrovacesaSAMember_label_en-US" xlink:label="lab_bbva_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Metrovacesa SA [Member]</link:label>
    <link:label id="lab_bbva_MetrovacesaSAMember_documentation_en-US" xlink:label="lab_bbva_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Metrovacesa SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MetrovacesaSAMember" xlink:href="bbva-20221231.xsd#bbva_MetrovacesaSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MetrovacesaSAMember" xlink:to="lab_bbva_MetrovacesaSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtCertificatesDomain_52a15762-06df-4322-bdec-85b9cbda295f_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates [Domain]</link:label>
    <link:label id="lab_bbva_DebtCertificatesDomain_label_en-US" xlink:label="lab_bbva_DebtCertificatesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates [Domain]</link:label>
    <link:label id="lab_bbva_DebtCertificatesDomain_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesDomain" xlink:href="bbva-20221231.xsd#bbva_DebtCertificatesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtCertificatesDomain" xlink:to="lab_bbva_DebtCertificatesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay_c8066d96-190b-4d4a-bf09-33b15134660e_terseLabel_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash Paraguay</link:label>
    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay_label_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash Paraguay</link:label>
    <link:label id="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay_documentation_en-US" xlink:label="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consideration received satisfied in cash Paraguay</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsiderationReceivedSatisfiedInCashParaguay" xlink:href="bbva-20221231.xsd#bbva_ConsiderationReceivedSatisfiedInCashParaguay"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConsiderationReceivedSatisfiedInCashParaguay" xlink:to="lab_bbva_ConsiderationReceivedSatisfiedInCashParaguay" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesGiven_6fbdfc0a-b382-4f62-bf92-27fa6b40797d_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGiven_label_en-US" xlink:label="lab_bbva_FinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given</link:label>
    <link:label id="lab_bbva_FinancialGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_FinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesGiven" xlink:href="bbva-20221231.xsd#bbva_FinancialGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialGuaranteesGiven" xlink:to="lab_bbva_FinancialGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember_6aed3bce-dec3-4867-af77-3d813e9ed8c9_terseLabel_en-US" xlink:label="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remaining adjustments for discontinued micro hedges including hedges of net positions [Member]</link:label>
    <link:label id="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember_label_en-US" xlink:label="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remaining adjustments for discontinued micro hedges including hedges of net positions [Member]</link:label>
    <link:label id="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember_documentation_en-US" xlink:label="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Remaining adjustments for discontinued micro hedges including hedges of net positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:href="bbva-20221231.xsd#bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:to="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems_655fdea4-6473-49b5-9574-abdf364bee1a_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in impaired assets and guarantees given [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems_label_en-US" xlink:label="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in impaired assets and guarantees given [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems_documentation_en-US" xlink:label="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Changes in impaired assets and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:href="bbva-20221231.xsd#bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:to="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalTransactionsOnBehalfOfThirdParties_75cb4848-3bf1-4350-8ca9-586e450de6ee_terseLabel_en-US" xlink:label="lab_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total transactions on behalf of third parties</link:label>
    <link:label id="lab_bbva_TotalTransactionsOnBehalfOfThirdParties_label_en-US" xlink:label="lab_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total transactions on behalf of third parties</link:label>
    <link:label id="lab_bbva_TotalTransactionsOnBehalfOfThirdParties_documentation_en-US" xlink:label="lab_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total transactions on behalf of third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:href="bbva-20221231.xsd#bbva_TotalTransactionsOnBehalfOfThirdParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:to="lab_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_86bac884-30c2-4b8b-9cdb-2b3b36c0bf93_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax expense (income)</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_38d1914e-1887-4163-9746-12a44921d6a5_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax expense (income)</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax expense (income)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_TRY_d6cef5ea-1369-4b5e-824b-4d192f8c731a_terseLabel_en-US" xlink:label="lab_currency_TRY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Turkey, New Lira</link:label>
    <link:label id="lab_currency_TRY_label_en-US" xlink:label="lab_currency_TRY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Turkey, New Lira</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_TRY" xlink:href="https://xbrl.sec.gov/currency/2022/currency-2022.xsd#currency_TRY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_TRY" xlink:to="lab_currency_TRY" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_69bc3bf9-b3ef-49c5-86da-de21c188d92b_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial assets held for hedging</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_583a182b-dfc1-4b5f-aa38-3a3139571b4a_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial assets held for hedging</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_label_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative financial assets held for hedging</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DerivativeFinancialAssetsHeldForHedging"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:to="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico_a280c7ac-6cdc-448e-8800-da833bbd094d_terseLabel_en-US" xlink:label="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Growth rate used to extrapolate cash flow projections Mexico</link:label>
    <link:label id="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico_label_en-US" xlink:label="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Growth rate used to extrapolate cash flow projections Mexico</link:label>
    <link:label id="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico_documentation_en-US" xlink:label="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Growth rate used to extrapolate cash flow projections Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:href="bbva-20221231.xsd#bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:to="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems_762386a4-97fb-4ddd-b70b-3e7ac2091705_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of other operating expense [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of other operating expense [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfOtherOperatingExpenseLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:to="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract" xlink:to="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfSharePremiumTextBlock_07ef958c-9cc8-4159-858b-929a1d40765f_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Share Premium [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfSharePremiumTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Share Premium [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfSharePremiumTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Share Premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfSharePremiumTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfSharePremiumTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfSharePremiumTextBlock" xlink:to="lab_bbva_DisclosureOfSharePremiumTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichOtherCollateralizedLoansMember_95217c83-2a53-4625-b156-ffde82ca128f_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOtherCollateralizedLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which other collateralized loans [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOtherCollateralizedLoansMember_label_en-US" xlink:label="lab_bbva_OfWhichOtherCollateralizedLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which other collateralized loans [Member]</link:label>
    <link:label id="lab_bbva_OfWhichOtherCollateralizedLoansMember_documentation_en-US" xlink:label="lab_bbva_OfWhichOtherCollateralizedLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Of which other collateralized loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOtherCollateralizedLoansMember" xlink:href="bbva-20221231.xsd#bbva_OfWhichOtherCollateralizedLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichOtherCollateralizedLoansMember" xlink:to="lab_bbva_OfWhichOtherCollateralizedLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain_af6319ae-a502-4a4b-a420-0f4bebe68e92_terseLabel_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impacts of increases or decreases in percentage [Domain]</link:label>
    <link:label id="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain_label_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impacts of increases or decreases in percentage [Domain]</link:label>
    <link:label id="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain_documentation_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impacts of increases or decreases in percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:href="bbva-20221231.xsd#bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:to="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtInstrumentsHeldForTrading_4eed4aeb-8409-44d1-b28e-4736b9ebb8dd_terseLabel_en-US" xlink:label="lab_bbva_DebtInstrumentsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt instruments held for trading</link:label>
    <link:label id="lab_bbva_DebtInstrumentsHeldForTrading_label_en-US" xlink:label="lab_bbva_DebtInstrumentsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt instruments held for trading</link:label>
    <link:label id="lab_bbva_DebtInstrumentsHeldForTrading_documentation_en-US" xlink:label="lab_bbva_DebtInstrumentsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt instruments held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtInstrumentsHeldForTrading" xlink:href="bbva-20221231.xsd#bbva_DebtInstrumentsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtInstrumentsHeldForTrading" xlink:to="lab_bbva_DebtInstrumentsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LCRMainLMUAxis_600745b9-634a-4a30-8fb6-e261905a981b_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Axis]</link:label>
    <link:label id="lab_bbva_LCRMainLMUAxis_label_en-US" xlink:label="lab_bbva_LCRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU [Axis]</link:label>
    <link:label id="lab_bbva_LCRMainLMUAxis_documentation_en-US" xlink:label="lab_bbva_LCRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMUAxis" xlink:href="bbva-20221231.xsd#bbva_LCRMainLMUAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LCRMainLMUAxis" xlink:to="lab_bbva_LCRMainLMUAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock_42acbd85-0fed-4b2b-9509-0dca2e2f5d8c_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Purchase and sale commitments and future payment obligations [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Purchase and sale commitments and future payment obligations [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Purchase and sale commitments and future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:to="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherContingentAssetsAndLiabilitiesAbstract_label_en-US" xlink:label="lab_bbva_OtherContingentAssetsAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Contingent Assets And Liabilities [Abstract]</link:label>
    <link:label id="lab_bbva_OtherContingentAssetsAndLiabilitiesAbstract_documentation_en-US" xlink:label="lab_bbva_OtherContingentAssetsAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Contingent Assets And Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherContingentAssetsAndLiabilitiesAbstract" xlink:href="bbva-20221231.xsd#bbva_OtherContingentAssetsAndLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherContingentAssetsAndLiabilitiesAbstract" xlink:to="lab_bbva_OtherContingentAssetsAndLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesTableTextBlock_8f2a9c16-9ce5-4a9a-a3a9-65df55ce671f_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Table Text Block]</link:label>
    <link:label id="lab_bbva_TreasurySharesTableTextBlock_label_en-US" xlink:label="lab_bbva_TreasurySharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares [Table Text Block]</link:label>
    <link:label id="lab_bbva_TreasurySharesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TreasurySharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_TreasurySharesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesTableTextBlock" xlink:to="lab_bbva_TreasurySharesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsAxis_d5262666-4581-4398-99f9-c0538c761a5e_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Axis]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsAxis_label_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments [Axis]</link:label>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsAxis_documentation_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsAxis" xlink:href="bbva-20221231.xsd#bbva_MedicalBenefitsCommitmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitsCommitmentsAxis" xlink:to="lab_bbva_MedicalBenefitsCommitmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConversionsToDefinedContributions_a4ac7b5c-20c1-4042-bf2b-76e7ee2dde8d_terseLabel_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Conversions to defined contributions</link:label>
    <link:label id="lab_bbva_ConversionsToDefinedContributions_label_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Conversions to defined contributions</link:label>
    <link:label id="lab_bbva_ConversionsToDefinedContributions_documentation_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Conversions to defined contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConversionsToDefinedContributions" xlink:href="bbva-20221231.xsd#bbva_ConversionsToDefinedContributions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConversionsToDefinedContributions" xlink:to="lab_bbva_ConversionsToDefinedContributions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConnieHedegaardMember_293d201d-9a7c-49b6-844b-47485258265c_terseLabel_en-US" xlink:label="lab_bbva_ConnieHedegaardMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Connie Hedegaard [Member]</link:label>
    <link:label id="lab_bbva_ConnieHedegaardMember_label_en-US" xlink:label="lab_bbva_ConnieHedegaardMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Connie Hedegaard [Member]</link:label>
    <link:label id="lab_bbva_ConnieHedegaardMember_documentation_en-US" xlink:label="lab_bbva_ConnieHedegaardMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Connie Hedegaard</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConnieHedegaardMember" xlink:href="bbva-20221231.xsd#bbva_ConnieHedegaardMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConnieHedegaardMember" xlink:to="lab_bbva_ConnieHedegaardMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherDeductionsAndFiltersMember_7cb1599d-36bc-427f-9f6f-d31ffa237f63_terseLabel_en-US" xlink:label="lab_bbva_OtherDeductionsAndFiltersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other deductions and filters [Member]</link:label>
    <link:label id="lab_bbva_OtherDeductionsAndFiltersMember_label_en-US" xlink:label="lab_bbva_OtherDeductionsAndFiltersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other deductions and filters [Member]</link:label>
    <link:label id="lab_bbva_OtherDeductionsAndFiltersMember_documentation_en-US" xlink:label="lab_bbva_OtherDeductionsAndFiltersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other deductions and filters</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherDeductionsAndFiltersMember" xlink:href="bbva-20221231.xsd#bbva_OtherDeductionsAndFiltersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherDeductionsAndFiltersMember" xlink:to="lab_bbva_OtherDeductionsAndFiltersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock_5afac02a-276d-487a-9931-979c4d9c10d8_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivatives Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:href="bbva-20221231.xsd#bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:to="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock_53bfefa6-dde5-433d-b69f-a40bbcac50d0_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Commitments and guarantees given [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Commitments and guarantees given [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Disclosure of Commitments and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:href="bbva-20221231.xsd#bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:to="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareholdersFundsEligibleCapitalResources_de959d83-9e1d-4c60-aaee-92e5f55a443d_terseLabel_en-US" xlink:label="lab_bbva_ShareholdersFundsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholders funds eligible capital resources</link:label>
    <link:label id="lab_bbva_ShareholdersFundsEligibleCapitalResources_label_en-US" xlink:label="lab_bbva_ShareholdersFundsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholders funds eligible capital resources</link:label>
    <link:label id="lab_bbva_ShareholdersFundsEligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_ShareholdersFundsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shareholders funds eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareholdersFundsEligibleCapitalResources" xlink:href="bbva-20221231.xsd#bbva_ShareholdersFundsEligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareholdersFundsEligibleCapitalResources" xlink:to="lab_bbva_ShareholdersFundsEligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock_72a89055-cced-48c4-b287-2ed71fa68aa2_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for Financial guarantees [Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for Financial guarantees [Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting policy for Financial guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:href="bbva-20221231.xsd#bbva_AccountingPolicyForFinancialGuaranteesTextBlock"/>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466314112">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2022 </div>
<div>shares</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">20-F<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentRegistrationStatement', window );">Document Registration Statement</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentAnnualReport', window );">Document Annual Report</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentTransitionReport', window );">Document Transition Report</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentShellCompanyReport', window );">Document Shell Company Report</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-10110<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000842180<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">U3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">Calle Azul, 4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">28050<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Madrid<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address, Country</a></td>
<td class="text">ES<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="nump">6,030,116,564<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">Yes<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityInteractiveDataCurrent', window );">Entity Interactive Data Current</a></td>
<td class="text">Yes<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Large Accelerated Filer<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_IcfrAuditorAttestationFlag', window );">ICFR Auditor Attestation Flag</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentAccountingStandard', window );">Document Accounting Standard</a></td>
<td class="text">International Financial Reporting Standards<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityShellCompany', window );">Entity Shell Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityReportingObligation', window );">Security Reporting Obligation</a></td>
<td class="text">15(d)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_AmericanDepositarySharesMember', window );">American Depositary Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">American Depositary Shares, each representing the right to receive one ordinary share, par value &#8364;0.49 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BBVA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfShareCapitalAxis=ifrs-full_OrdinarySharesMember', window );">Ordinary shares [member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Ordinary shares, par value &#8364;0.49 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BBVA*<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A0875FixedRateSeniorNotesDue2023Member', window );">A0875 Fixed Rate Senior Notes Due2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">0.875% Fixed Rate Senior Notes due 2023<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BBVA 23<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A1125FixedRateSeniorNotesDue2023Member', window );">A1125 Fixed Rate Senior Notes Due2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">1.125% Fixed Rate Senior Notes due 2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BBVA 25<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member', window );">A5862 Fixed Rate Senior Non-Preferred Notes Due 2026 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">5.862% Fixed Rate Senior Non-Preferred Notes due 2026<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BBVA 26A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member', window );">A6138 Fixed Rate Senior Non-Preferred Notes Due2028 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">6.138% Fixed Rate Senior Non-Preferred Notes due 2028<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BBVA 28<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressesAddressTypeAxis=dei_BusinessContactMember', window );">Business Contact [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_ContactPersonnelName', window );">Contact Personnel Name</a></td>
<td class="text">Rafael Salinas Mart&#237;nez de Lecea<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">Calle Azul, 4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">28050<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Madrid<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address, Country</a></td>
<td class="text">ES<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">+34 91<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">537 7000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_ContactPersonnelName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of contact personnel</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_ContactPersonnelName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentAccountingStandard">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The basis of accounting the registrant has used to prepare the financial statements included in this filing This can either be 'U.S. GAAP', 'International Financial Reporting Standards', or 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentAccountingStandard</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:accountingStandardItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentAnnualReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as an annual report.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentAnnualReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentRegistrationStatement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as a registration statement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentRegistrationStatement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentShellCompanyReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true for a Shell Company Report pursuant to section 13 or 15(d) of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentShellCompanyReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentTransitionReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as a transition report.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Forms 10-K, 10-Q, 20-F<br> -Number 240<br> -Section 13<br> -Subsection a-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentTransitionReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityShellCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityShellCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_IcfrAuditorAttestationFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_IcfrAuditorAttestationFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityReportingObligation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>15(d), indicating whether the security has a reporting obligation under that section of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 15<br> -Subsection d<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityReportingObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityReportingObligationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_AmericanDepositarySharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=bbva_AmericanDepositarySharesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfShareCapitalAxis=ifrs-full_OrdinarySharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=ifrs-full_OrdinarySharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A0875FixedRateSeniorNotesDue2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=bbva_A0875FixedRateSeniorNotesDue2023Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=bbva_A1125FixedRateSeniorNotesDue2023Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressesAddressTypeAxis=dei_BusinessContactMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressesAddressTypeAxis=dei_BusinessContactMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
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<td></td>
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<head>
<title></title>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466272096">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Audit Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorLineItems', window );"><strong>Auditor [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorName', window );">Auditor Name</a></td>
<td class="text">Ernst & Young, S.L.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorLocation', window );">Auditor Location</a></td>
<td class="text">Madrid, Spain<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorFirmId', window );">Auditor Firm ID</a></td>
<td class="text">1461<span></span>
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</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorFirmId">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>PCAOB issued Audit Firm Identifier</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorFirmId</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:nonemptySequenceNumberItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:stringItemType</td>
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<tr>
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<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorLocation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorLocation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorName</td>
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<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
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<td>na</td>
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<td>duration</td>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
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<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016464774032">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Statement of financial position, order of liquidity (Statement) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AssetsAndLiabilitiesLineItems', window );"><strong>Assets [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 79,756<span></span>
</td>
<td class="nump">&#8364; 67,799<span></span>
</td>
<td class="nump">&#8364; 65,520<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Current financial assets at fair value through profit or loss, classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">110,671<span></span>
</td>
<td class="nump">123,493<span></span>
</td>
<td class="nump">105,878<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">39,908<span></span>
</td>
<td class="nump">30,933<span></span>
</td>
<td class="nump">40,183<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EquityInstrumentsHeldForTrading', window );">Equity instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,404<span></span>
</td>
<td class="nump">15,963<span></span>
</td>
<td class="nump">11,458<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DebtInstrumentsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,367<span></span>
</td>
<td class="nump">25,790<span></span>
</td>
<td class="nump">23,970<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesToCentralBanksHeldForTrading', window );">Loans and advances to central banks held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,632<span></span>
</td>
<td class="nump">3,467<span></span>
</td>
<td class="nump">53<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesToBanksHeldForTrading', window );">Loans and advances to banks held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">25,231<span></span>
</td>
<td class="nump">31,916<span></span>
</td>
<td class="nump">18,317<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets', window );">Loans and advances to customers held for trading assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,130<span></span>
</td>
<td class="nump">15,424<span></span>
</td>
<td class="nump">11,898<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss, mandatorily measured at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,888<span></span>
</td>
<td class="nump">6,086<span></span>
</td>
<td class="nump">5,198<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue', window );">Equity instruments, mandatorily measured at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,511<span></span>
</td>
<td class="nump">5,303<span></span>
</td>
<td class="nump">4,133<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue', window );">Debt securities, mandatorily measured at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">129<span></span>
</td>
<td class="nump">128<span></span>
</td>
<td class="nump">356<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue', window );">Loans and advances to customers, mandatorily measured at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">247<span></span>
</td>
<td class="nump">655<span></span>
</td>
<td class="nump">709<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss', window );">Financial assets at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">913<span></span>
</td>
<td class="nump">1,092<span></span>
</td>
<td class="nump">1,117<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DebtSecuritiesAtFairValueThroughProfitOrLoss', window );">Debt securities at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">913<span></span>
</td>
<td class="nump">1,092<span></span>
</td>
<td class="nump">1,117<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">58,980<span></span>
</td>
<td class="nump">60,421<span></span>
</td>
<td class="nump">69,440<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,198<span></span>
</td>
<td class="nump">1,320<span></span>
</td>
<td class="nump">1,100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">57,755<span></span>
</td>
<td class="nump">59,074<span></span>
</td>
<td class="nump">68,308<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances to credit institutions at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">422,061<span></span>
</td>
<td class="nump">372,676<span></span>
</td>
<td class="nump">367,668<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DebtSecuritiesAtAmortizedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">43,606<span></span>
</td>
<td class="nump">34,781<span></span>
</td>
<td class="nump">35,737<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost', window );">Loans and advances to central banks at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,401<span></span>
</td>
<td class="nump">5,681<span></span>
</td>
<td class="nump">6,209<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToBanks', window );">Loans and advances to banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,031<span></span>
</td>
<td class="nump">13,276<span></span>
</td>
<td class="nump">14,575<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">358,023<span></span>
</td>
<td class="nump">318,939<span></span>
</td>
<td class="nump">311,147<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,891<span></span>
</td>
<td class="nump">1,805<span></span>
</td>
<td class="nump">1,991<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(148)<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">51<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investments in subsidiaries, joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">916<span></span>
</td>
<td class="nump">900<span></span>
</td>
<td class="nump">1,437<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVentures', window );">Investments in joint ventures</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">100<span></span>
</td>
<td class="nump">152<span></span>
</td>
<td class="nump">149<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociates', window );">Investments in associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">816<span></span>
</td>
<td class="nump">749<span></span>
</td>
<td class="nump">1,288<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued', window );">Assets under insurance contracts and reinsurance contracts issued</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">210<span></span>
</td>
<td class="nump">269<span></span>
</td>
<td class="nump">306<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TangibleAssets', window );">Tangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,737<span></span>
</td>
<td class="nump">7,298<span></span>
</td>
<td class="nump">7,823<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipment', window );">Property, plant and equipment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,441<span></span>
</td>
<td class="nump">7,107<span></span>
</td>
<td class="nump">7,601<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PropertyPlantAndEquipmentForOwnUse', window );">Property plant and equipment for own use</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,911<span></span>
</td>
<td class="nump">6,874<span></span>
</td>
<td class="nump">7,311<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AssetsLeasedOutUnderAnOperatingLease', window );">Assets leased out under an operating lease</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">530<span></span>
</td>
<td class="nump">233<span></span>
</td>
<td class="nump">290<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentProperty', window );">Investment property</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">296<span></span>
</td>
<td class="nump">191<span></span>
</td>
<td class="nump">222<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsAndGoodwill', window );">Intangible assets and goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,156<span></span>
</td>
<td class="nump">2,197<span></span>
</td>
<td class="nump">2,345<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">707<span></span>
</td>
<td class="nump">818<span></span>
</td>
<td class="nump">910<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets other than goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,449<span></span>
</td>
<td class="nump">1,379<span></span>
</td>
<td class="nump">1,435<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TaxAssets', window );">Tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,472<span></span>
</td>
<td class="nump">15,850<span></span>
</td>
<td class="nump">16,526<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentTaxAssets', window );">Current tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">1,978<span></span>
</td>
<td class="nump">932<span></span>
</td>
<td class="nump">1,199<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,494<span></span>
</td>
<td class="nump">14,917<span></span>
</td>
<td class="nump">15,327<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,614<span></span>
</td>
<td class="nump">1,934<span></span>
</td>
<td class="nump">2,513<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InsuranceContractsLinkedToPensions', window );">Insurance contracts linked to pensions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InventoriesTotal', window );">Inventories</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">325<span></span>
</td>
<td class="nump">424<span></span>
</td>
<td class="nump">572<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_RestOtherAssets', window );">Rest other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,289<span></span>
</td>
<td class="nump">1,510<span></span>
</td>
<td class="nump">1,941<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non-current assets or disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,022<span></span>
</td>
<td class="nump">1,061<span></span>
</td>
<td class="nump">85,987<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">713,140<span></span>
</td>
<td class="nump">662,885<span></span>
</td>
<td class="nump">733,797<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EquityAndLiabilitiesLineItems', window );"><strong>Equity and Liabilities [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Current financial liabilities at fair value through profit or loss, classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">95,611<span></span>
</td>
<td class="nump">91,135<span></span>
</td>
<td class="nump">84,109<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">37,909<span></span>
</td>
<td class="nump">31,705<span></span>
</td>
<td class="nump">41,680<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ShortPositionsHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,487<span></span>
</td>
<td class="nump">15,135<span></span>
</td>
<td class="nump">12,312<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DepositsFromCentralBanksHeldForTrading', window );">Deposits from central banks held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,950<span></span>
</td>
<td class="nump">11,248<span></span>
</td>
<td class="nump">6,277<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DepositsFromCreditInstitutionsHeldForTrading', window );">Deposits from credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">28,924<span></span>
</td>
<td class="nump">16,176<span></span>
</td>
<td class="nump">14,377<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CustomerDepositsHeldForTrading', window );">Customer deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,341<span></span>
</td>
<td class="nump">16,870<span></span>
</td>
<td class="nump">9,463<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,580<span></span>
</td>
<td class="nump">9,683<span></span>
</td>
<td class="nump">10,050<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CustomerDepositsAtFairValue', window );">Customer deposits at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">700<span></span>
</td>
<td class="nump">809<span></span>
</td>
<td class="nump">902<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DebtCertificatesAtFairValue', window );">Debt certificates at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,288<span></span>
</td>
<td class="nump">3,396<span></span>
</td>
<td class="nump">4,531<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherFinancialLiabilitiesAtFairValue', window );">Other financial liabilities at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,592<span></span>
</td>
<td class="nump">5,479<span></span>
</td>
<td class="nump">4,617<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">528,629<span></span>
</td>
<td class="nump">487,893<span></span>
</td>
<td class="nump">490,606<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Liabilities due to central banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">38,323<span></span>
</td>
<td class="nump">47,351<span></span>
</td>
<td class="nump">45,177<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26,935<span></span>
</td>
<td class="nump">19,834<span></span>
</td>
<td class="nump">27,629<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">393,856<span></span>
</td>
<td class="nump">349,761<span></span>
</td>
<td class="nump">342,661<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt instruments issued</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">55,429<span></span>
</td>
<td class="nump">55,763<span></span>
</td>
<td class="nump">61,780<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,086<span></span>
</td>
<td class="nump">15,183<span></span>
</td>
<td class="nump">13,358<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Derivative financial liabilities held for hedging</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,303<span></span>
</td>
<td class="nump">2,626<span></span>
</td>
<td class="nump">2,318<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,848<span></span>
</td>
<td class="nump">10,865<span></span>
</td>
<td class="nump">9,951<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,933<span></span>
</td>
<td class="nump">5,889<span></span>
</td>
<td class="nump">6,141<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionsForEmployeeBenefits', window );">Provisions for employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">2,632<span></span>
</td>
<td class="nump">3,576<span></span>
</td>
<td class="nump">4,272<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherLongTermEmployeesBenefits', window );">Other long term employees benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">466<span></span>
</td>
<td class="nump">632<span></span>
</td>
<td class="nump">49<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LegalProceedingsProvision', window );">Legal proceedings provision</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">685<span></span>
</td>
<td class="nump">623<span></span>
</td>
<td class="nump">612<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProvisionsCommitmentsAndGuaranteesGiven', window );">Provisions commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">770<span></span>
</td>
<td class="nump">691<span></span>
</td>
<td class="nump">728<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherProvisions', window );">Other provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">380<span></span>
</td>
<td class="nump">366<span></span>
</td>
<td class="nump">479<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TaxLiabilities', window );">Tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,742<span></span>
</td>
<td class="nump">2,413<span></span>
</td>
<td class="nump">2,355<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentTaxLiabilities', window );">Current tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">1,415<span></span>
</td>
<td class="nump">644<span></span>
</td>
<td class="nump">545<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,326<span></span>
</td>
<td class="nump">1,769<span></span>
</td>
<td class="nump">1,809<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,880<span></span>
</td>
<td class="nump">3,621<span></span>
</td>
<td class="nump">2,802<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale', window );">Liabilities included in disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">75,446<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">662,526<span></span>
</td>
<td class="nump">614,125<span></span>
</td>
<td class="nump">683,777<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ShareholdersEquity', window );">Shareholders equity</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">64,422<span></span>
</td>
<td class="nump">60,383<span></span>
</td>
<td class="nump">58,904<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Issued capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,955<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdditionalPaidinCapital', window );">Additional paid-in capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,955<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_UnpaidCapitalWhichHasBeenCalledUp', window );">Unpaid capital which has been called up</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SharePremium', window );">Share premium</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,856<span></span>
</td>
<td class="nump">23,599<span></span>
</td>
<td class="nump">23,992<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EquityInstrumentsIssuedOtherThanCapital', window );">Equity instruments issued other than capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherEquityInterest', window );">Other equity interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">63<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RetainedEarnings', window );">Retained earnings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,536<span></span>
</td>
<td class="nump">31,841<span></span>
</td>
<td class="nump">30,508<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevaluationSurplus', window );">Revaluation surplus</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherReserves', window );">Other reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,345<span></span>
</td>
<td class="num">(1,857)<span></span>
</td>
<td class="num">(164)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates', window );">Reserves or accumulated losses of investments in subsidaries joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(221)<span></span>
</td>
<td class="num">(247)<span></span>
</td>
<td class="num">(164)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Other', window );">Other reserves other</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,566<span></span>
</td>
<td class="num">(1,610)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TreasuryShares', window );">Treasury shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(29)<span></span>
</td>
<td class="num">(647)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProfitOrLossAttributableToOwnersOfTheParent', window );">Profits or losses attributable to owners of the parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,420<span></span>
</td>
<td class="nump">4,653<span></span>
</td>
<td class="nump">1,305<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InterimDividends', window );">Interim dividends</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(722)<span></span>
</td>
<td class="num">(532)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Accumulated other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(17,432)<span></span>
</td>
<td class="num">(16,476)<span></span>
</td>
<td class="num">(14,356)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss', window );">Items that will not be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,881)<span></span>
</td>
<td class="num">(2,075)<span></span>
</td>
<td class="num">(2,815)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans', window );">Actuarial gains or losses on defined benefit pension plans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(760)<span></span>
</td>
<td class="num">(998)<span></span>
</td>
<td class="num">(1,474)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified', window );">Non-current assets and disposal groups classified as held for sale (not reclassified)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(65)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified', window );">Share of other recognised income and expense of investments in subsidaries joint ventures and associates (not reclassified)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', window );">Fair value changes of equity instruments measured at fair value through other comprehensive income that will not be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,194)<span></span>
</td>
<td class="num">(1,079)<span></span>
</td>
<td class="num">(1,256)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk', window );">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">72<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="num">(21)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss', window );">Items that may be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(15,550)<span></span>
</td>
<td class="num">(14,401)<span></span>
</td>
<td class="num">(11,541)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion', window );">Hedge of net investments in foreign operations effective portion</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,408)<span></span>
</td>
<td class="num">(146)<span></span>
</td>
<td class="num">(62)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ForeignCurrencyTranslation', window );">Foreign currency translation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(13,103)<span></span>
</td>
<td class="num">(14,988)<span></span>
</td>
<td class="num">(14,185)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion', window );">Hedging derivatives. Cash flow hedges effective portion</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(458)<span></span>
</td>
<td class="num">(533)<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome', window );">Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(562)<span></span>
</td>
<td class="nump">1,274<span></span>
</td>
<td class="nump">2,069<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_HedgingInstrumentsNotDesignated', window );">Hedging Instruments (not designated)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified', window );">Non-current assets and disposal groups classified as held for sale may be reclassified</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">644<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates', window );">Share of other recognised income and expense of investments in subsidaries joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(18)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,624<span></span>
</td>
<td class="nump">4,853<span></span>
</td>
<td class="nump">5,471<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest', window );">Accumulated other comprehensive income non controlling interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,112)<span></span>
</td>
<td class="num">(8,414)<span></span>
</td>
<td class="num">(6,949)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherNonControllingInterestItems', window );">Other non controlling interest items</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,736<span></span>
</td>
<td class="nump">13,267<span></span>
</td>
<td class="nump">12,421<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Adjusted initial balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">50,615<span></span>
</td>
<td class="nump">48,760<span></span>
</td>
<td class="nump">50,020<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">Equity and liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 713,140<span></span>
</td>
<td class="nump">&#8364; 662,885<span></span>
</td>
<td class="nump">&#8364; 733,797<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">1) The variation is mainly due to the evolution of exchange rate derivatives at BBVA, S.A.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) The increase in current tax assets relates mainly to a higher tax receivable by the tax group in Spain for the refund of the 2022 corporate income tax as a result of the instalment payments made in the year. On the other hand, the increase in current tax liabilities mainly corresponds to a higher tax payable in both Mexico and Turkey in relation to the estimated corporate income tax for the year 2022.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">(1) The variation is mainly due to the lower valuation of defined benefit commitments after the interest rate hike in Spain and benefit payments.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top">(3) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.</td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accumulated other comprehensive income non controlling interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial gains or losses on defined benefit pension plans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsAndLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assets and liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsAndLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsLeasedOutUnderAnOperatingLease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assets leased out under an operating lease</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsLeasedOutUnderAnOperatingLease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValueWithChangesInOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Customer deposits at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CustomerDepositsAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Customer deposits held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CustomerDepositsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt certificates at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtCertificatesAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtInstrumentsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt instruments held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtInstrumentsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Securities at amortized cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAtAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt securities at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt securities at fair value through profit or loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt securities, mandatorily measured at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromCentralBanksHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits from central banks held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsFromCentralBanksHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromCreditInstitutionsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits from credit institutions held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsFromCreditInstitutionsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityAndLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity and Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_EquityAndLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity instruments held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_EquityInstrumentsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsIssuedOtherThanCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity instruments issued other than capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_EquityInstrumentsIssuedOtherThanCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity instruments, mandatorily measured at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_EquityInstrumentsMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value changes of equity instruments measured at fair value through other comprehensive income that will not be reclassified to profit or loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ForeignCurrencyTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Foreign currency translation</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ForeignCurrencyTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedge of net investments in foreign operations effective portion</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortion</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedging derivatives. Cash flow hedges effective portion</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgingDerivativesCashFlowHedgesEffectivePortion</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingInstrumentsNotDesignated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedging Instruments (not designated)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgingInstrumentsNotDesignated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceContractsLinkedToPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance contracts linked to pensions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InsuranceContractsLinkedToPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InterimDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interim dividends</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InterimDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Items that may be reclassified to profit or loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ItemsThatMayBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Items that will not be reclassified to profit or loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToBanksHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances to banks held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesToBanksHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances to central banks at amortised cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesToCentralBanksAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToCentralBanksHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances to central banks held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesToCentralBanksHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances to credit institutions at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToCustomersHeldForTradingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances to customers held for trading assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesToCustomersHeldForTradingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances to customers, mandatorily measured at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-current assets and disposal groups classified as held for sale may be reclassified</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-current assets and disposal groups classified as held for sale (not reclassified)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotReclassified</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Other">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Other</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherFinancialLiabilitiesAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other financial liabilities at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherFinancialLiabilitiesAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherLongTermEmployeesBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other long term employees benefits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherLongTermEmployeesBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherNonControllingInterestItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other non controlling interest items</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherNonControllingInterestItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProfitOrLossAttributableToOwnersOfTheParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit or loss attributable to owners of the parent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProfitOrLossAttributableToOwnersOfTheParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PropertyPlantAndEquipmentForOwnUse">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Property plant and equipment for own use</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PropertyPlantAndEquipmentForOwnUse</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProvisionsCommitmentsAndGuaranteesGiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions commitments and guarantees given</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProvisionsCommitmentsAndGuaranteesGiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reserves or accumulated losses of investments in subsidaries joint ventures and associates</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RestOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Rest other assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RestOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of other recognised income and expense of investments in subsidaries joint ventures and associates</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of other recognised income and expense of investments in subsidaries joint ventures and associates (not reclassified)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ShareOfOtherRecognisedIncomeAndExpenseOfInvestmentsInSubsidariesJointVenturesAndAssociatesNotReclassified</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ShareholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shareholders equity</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ShareholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ShortPositionsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Short positions held for trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ShortPositionsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tangible assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_UnpaidCapitalWhichHasBeenCalledUp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unpaid capital which has been called up</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_UnpaidCapitalWhichHasBeenCalledUp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as an asset. [Refer: Hedged items [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as a liability. [Refer: Hedged items [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated items of income and expense (including reclassification adjustments) that are not recognised in profit or loss as required or permitted by other IFRSs. [Refer: IFRSs [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdditionalPaidinCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount received or receivable from the issuance of the entity's shares in excess of nominal value and amounts received from other transactions involving the entity's stock or stockholders.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdditionalPaidinCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets under insurance contracts and reinsurance contracts issued. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 37<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph IG20<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_IG20_b&amp;doctype=Implementation%20Guidance&amp;book=b<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2023-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_55&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of current financial liabilities at fair value through profit or loss that meet the definition of held for trading. [Refer: Current financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The excess of amount paid for current tax in respect of current and prior periods over the amount due for those periods. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of current tax for current and prior periods to the extent unpaid. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments issued by the entity that represent indebtedness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes payable in future periods in respect of taxable temporary differences. [Refer: Temporary differences [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from banks held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from customers held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for trading. [Refer: Derivative financial assets; Financial assets at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for trading. [Refer: Derivative financial liabilities; Financial liabilities at fair value through profit or loss that meet definition of held for trading]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the entity's equity and liabilities. [Refer: Equity; Liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in equity instruments that the entity has designated at fair value through other comprehensive income. [Refer: At fair value [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 11A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_11A_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that are measured at fair value and for which gains (losses) are recognised in profit or loss. A financial asset shall be measured at fair value through profit or loss unless it is measured at amortised cost or at fair value through other comprehensive income. A gain (loss) on a financial asset measured at fair value shall be recognised in profit or loss unless it is part of a hedging relationship, it is an investment in an equity instrument for which the entity has elected to present gains and losses in other comprehensive income or it is a financial asset measured at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_a&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_f&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that meet either of the following conditions: (a) they meet the definition of held for trading; or (b) upon initial recognition they are designated by the entity as at fair value through profit or loss. An entity may use this designation only when permitted by paragraph 4.3.5 of IFRS 9 (embedded derivatives) or when doing so results in more relevant information, because either: (a) it eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as &#8216;an accounting mismatch&#8217;) that would otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases; or (b) a group of financial liabilities or financial assets and financial liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided internally on that basis to the entity&#8217;s key management personnel (as defined in IAS 24). [Refer: At fair value [member]; Key management personnel of entity or parent [member]; Derivatives [member]; Financial assets; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognised. [Refer: Business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2022-03-24<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2022-03-24<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2022-03-24<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are liabilities. [Refer: Liabilities; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2023-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2023-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of intangible assets and goodwill held by the entity. [Refer: Goodwill; Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsAndGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of identifiable non-monetary assets without physical substance. This amount does not include goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2022-03-24<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InventoriesTotal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets: (a) held for sale in the ordinary course of business; (b) in the process of production for such sale; or (c) in the form of materials or supplies to be consumed in the production process or in the rendering of services. Inventories encompass goods purchased and held for resale including, for example, merchandise purchased by a retailer and held for resale, or land and other property held for resale. Inventories also encompass finished goods produced, or work in progress being produced, by the entity and include materials and supplies awaiting use in the production process. [Refer: Current finished goods; Current merchandise; Current work in progress; Land]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_g&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InventoriesTotal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentProperty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of property (land or a building - or part of a building - or both) held (by the owner or by the lessee as a right-of-use asset) to earn rentals or for capital appreciation or both, rather than for: (a) use in the production or supply of goods or services or for administrative purposes; or (b) sale in the ordinary course of business.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2022-03-24<br> -Paragraph 76<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_76&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2022-03-24<br> -Paragraph 79<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_79_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentProperty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in associates in an entity's separate financial statements. [Refer: Associates [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2022-03-24<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in joint ventures in an entity's separate financial statements. [Refer: Joint ventures [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2022-03-24<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in subsidiaries, joint ventures and associates in an entity's separate financial statements. [Refer: Associates [member]; Joint ventures [member]; Subsidiaries [member]; Investments in subsidiaries reported in separate financial statements]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2022-03-24<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LegalProceedingsProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of provision for legal proceedings. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2022-03-24<br> -Section Example 10 A court case<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2022-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS37_IE_C_ex10__IAS37_IE_C_ex10_TI<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2022-03-24<br> -Paragraph 87<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_87&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LegalProceedingsProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesDueToCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities due to central banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesDueToCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities included in disposal groups classified as held for sale. [Refer: Liabilities; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2022-03-24<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph p<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_p&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 10<br> -IssueDate 2022-03-24<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-current assets or disposal groups classified as held for sale. [Refer: Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2022-03-24<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherEquityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity interest of an entity without share capital that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherEquityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that the entity does not separately disclose in the same statement or note. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions other than provisions for employee benefits. [Refer: Provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2022-03-24<br> -Paragraph 84<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_84_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves within equity, not including retained earnings. [Refer: Retained earnings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that: (a) are held for use in the production or supply of goods or services, for rental to others, or for administrative purposes; and (b) are expected to be used during more than one period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2022-03-24<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionsForEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions for employee benefits. [Refer: Employee benefits expense; Provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsForEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetainedEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the entity's cumulative undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetainedEarnings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevaluationSurplus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated revaluation surplus on the revaluation of assets recognised in other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2022-03-24<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2022-03-24<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevaluationSurplus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SharePremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount received or receivable from the issuance of the entity's shares in excess of nominal value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SharePremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>An entity&#8217;s own equity instruments, held by the entity or other members of the consolidated group.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2022-03-24<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466580784">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Statement of comprehensive income, profit or loss, by function of expense (Statement) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Profit or loss [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="nump">&#8364; 31,432<span></span>
</td>
<td class="nump">&#8364; 23,015<span></span>
</td>
<td class="nump">&#8364; 22,389<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome', window );">Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</a></td>
<td class="nump">3,110<span></span>
</td>
<td class="nump">1,880<span></span>
</td>
<td class="nump">1,392<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome', window );">Financial Assets At Amortized Cost Interest And Other Income</a></td>
<td class="nump">25,258<span></span>
</td>
<td class="nump">18,364<span></span>
</td>
<td class="nump">18,357<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherInterestIncomeInterestAndOtherIncome', window );">Other Interest Income Interest And Other Income</a></td>
<td class="nump">3,064<span></span>
</td>
<td class="nump">2,770<span></span>
</td>
<td class="nump">2,640<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpense', window );">Interest expense</a></td>
<td class="num">(12,279)<span></span>
</td>
<td class="num">(8,329)<span></span>
</td>
<td class="num">(7,797)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="nump">19,153<span></span>
</td>
<td class="nump">14,686<span></span>
</td>
<td class="nump">14,592<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">123<span></span>
</td>
<td class="nump">176<span></span>
</td>
<td class="nump">137<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">Share of profit (loss) of associates and joint ventures accounted for using equity method</a></td>
<td class="nump">21<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="num">(39)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncome', window );">Fee and commission income</a></td>
<td class="nump">8,261<span></span>
</td>
<td class="nump">6,997<span></span>
</td>
<td class="nump">5,980<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpense', window );">Fee and commission expense</a></td>
<td class="num">(2,907)<span></span>
</td>
<td class="num">(2,232)<span></span>
</td>
<td class="num">(1,857)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet', window );">Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net</a></td>
<td class="nump">64<span></span>
</td>
<td class="nump">134<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost', window );">Gains Losses On Derecognition Of Financial Assets At Amortized Cost</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">106<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities', window );">Gains Losses On Derecognition Of Other Financial Assets And Liabilities</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">106<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet', window );">Gains or losses on financial assets and liabilities held for trading net</a></td>
<td class="nump">562<span></span>
</td>
<td class="nump">341<span></span>
</td>
<td class="nump">777<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading', window );">Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Held For Trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading', window );">Reclassification Of Financial Assets From Amortized Cost To Held For Trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationOfOtherGainsLossesToHeldForTrading', window );">Reclassification Of Other Gains Losses To Held For Trading</a></td>
<td class="nump">562<span></span>
</td>
<td class="nump">341<span></span>
</td>
<td class="nump">777<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains (losses) on financial assets at fair value through profit or loss, mandatorily measured at fair value</a></td>
<td class="num">(67)<span></span>
</td>
<td class="nump">432<span></span>
</td>
<td class="nump">208<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Reclassification Of Financial Assets From Amortized Cost To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Reclassification Of Other Gains Losses To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</a></td>
<td class="num">(67)<span></span>
</td>
<td class="nump">432<span></span>
</td>
<td class="nump">208<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains or losses on financial assets and liabilities designated at fair value through profit or loss net</a></td>
<td class="nump">150<span></span>
</td>
<td class="nump">335<span></span>
</td>
<td class="nump">56<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnHedgingInstrument', window );">Gains (losses) on hedging instrument, fair value hedges</a></td>
<td class="num">(45)<span></span>
</td>
<td class="num">(214)<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax', window );">Gains (losses) on exchange differences on translation, net of tax</a></td>
<td class="nump">1,275<span></span>
</td>
<td class="nump">883<span></span>
</td>
<td class="nump">359<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousOtherOperatingIncome', window );">Miscellaneous other operating income</a></td>
<td class="nump">528<span></span>
</td>
<td class="nump">661<span></span>
</td>
<td class="nump">492<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousOtherOperatingExpense', window );">Miscellaneous other operating expense</a></td>
<td class="nump">3,438<span></span>
</td>
<td class="nump">2,041<span></span>
</td>
<td class="nump">1,662<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeArisingFromInsuranceContracts', window );">Income arising from insurance contracts</a></td>
<td class="nump">3,103<span></span>
</td>
<td class="nump">2,593<span></span>
</td>
<td class="nump">2,497<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExpenseArisingFromInsuranceContracts', window );">Expense arising from insurance contracts</a></td>
<td class="num">(1,892)<span></span>
</td>
<td class="num">(1,685)<span></span>
</td>
<td class="num">(1,520)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross profit</a></td>
<td class="nump">24,890<span></span>
</td>
<td class="nump">21,066<span></span>
</td>
<td class="nump">20,166<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdministrativeExpense', window );">Administrative expenses</a></td>
<td class="nump">9,432<span></span>
</td>
<td class="nump">8,296<span></span>
</td>
<td class="nump">7,799<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EmployeeBenefitsExpense', window );">Employee benefits expense</a></td>
<td class="num">(5,612)<span></span>
</td>
<td class="num">(5,046)<span></span>
</td>
<td class="num">(4,695)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherExpenseByFunction', window );">Other expense, by function</a></td>
<td class="nump">3,820<span></span>
</td>
<td class="nump">3,249<span></span>
</td>
<td class="nump">3,105<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationAndAmortisationExpense', window );">Depreciation and amortisation expense</a></td>
<td class="num">(1,328)<span></span>
</td>
<td class="num">(1,234)<span></span>
</td>
<td class="num">(1,288)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProvisionOrReversalOfProvisions', window );">Provision or reversal of provisions</a></td>
<td class="num">(291)<span></span>
</td>
<td class="num">(1,018)<span></span>
</td>
<td class="num">(746)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossOnFinancialAssets', window );">Impairment loss on financial assets</a></td>
<td class="nump">3,379<span></span>
</td>
<td class="nump">3,034<span></span>
</td>
<td class="nump">5,179<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairmentFinancialAssetsMeasuredAtCost', window );">Impairment financial assets measured at cost</a></td>
<td class="num">(3,303)<span></span>
</td>
<td class="num">(3,017)<span></span>
</td>
<td class="num">(5,160)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</a></td>
<td class="num">(76)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(19)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Profit (loss) from operating activities</a></td>
<td class="nump">10,460<span></span>
</td>
<td class="nump">7,484<span></span>
</td>
<td class="nump">5,153<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</a></td>
<td class="nump">42<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(190)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets', window );">Impairment or reversal of impairment on non financial assets</a></td>
<td class="num">(27)<span></span>
</td>
<td class="num">(221)<span></span>
</td>
<td class="num">(153)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairmentTangibleAssets', window );">Impairment tangible assets</a></td>
<td class="nump">53<span></span>
</td>
<td class="num">(161)<span></span>
</td>
<td class="num">(125)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill', window );">Impairment loss recognised in profit or loss, intangible assets other than goodwill</a></td>
<td class="num">(25)<span></span>
</td>
<td class="num">(19)<span></span>
</td>
<td class="num">(19)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherImpairmentNonFinancialAssets', window );">Other impairment non financial assets</a></td>
<td class="num">(55)<span></span>
</td>
<td class="num">(41)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet', window );">Gains(losses) on derecognized of non financial assets and subsidiaries net</a></td>
<td class="num">(11)<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="num">(7)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NegativeGoodwillRecognisedInProfitAndLoss', window );">Negative goodwill recognised in profit and loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations', window );">Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</a></td>
<td class="num">(108)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="nump">444<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="nump">10,356<span></span>
</td>
<td class="nump">7,247<span></span>
</td>
<td class="nump">5,248<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense (income)</a></td>
<td class="num">(3,529)<span></span>
</td>
<td class="num">(1,909)<span></span>
</td>
<td class="num">(1,459)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">6,827<span></span>
</td>
<td class="nump">5,338<span></span>
</td>
<td class="nump">3,789<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit (loss) from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">280<span></span>
</td>
<td class="num">(1,729)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit (loss)</a></td>
<td class="nump">6,827<span></span>
</td>
<td class="nump">5,618<span></span>
</td>
<td class="nump">2,060<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="nump">407<span></span>
</td>
<td class="nump">965<span></span>
</td>
<td class="nump">756<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="nump">&#8364; 6,420<span></span>
</td>
<td class="nump">&#8364; 4,653<span></span>
</td>
<td class="nump">&#8364; 1,305<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShare', window );">Basic earnings (loss) per share</a></td>
<td class="nump">&#8364; 0.99<span></span>
</td>
<td class="nump">&#8364; 0.67<span></span>
</td>
<td class="nump">&#8364; 0.14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations', window );">Basic earnings (loss) per share from continuing operations</a></td>
<td class="nump">0.99<span></span>
</td>
<td class="nump">0.63<span></span>
</td>
<td class="nump">0.40<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations', window );">Diluted earnings (loss) per share from continuing operations</a></td>
<td class="nump">0.99<span></span>
</td>
<td class="nump">0.63<span></span>
</td>
<td class="nump">0.40<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations', window );">Basic earnings (loss) per share from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0.04<span></span>
</td>
<td class="num">(0.26)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations', window );">Diluted earnings (loss) per share from discontinued operations</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0.04<span></span>
</td>
<td class="num">&#8364; (0.26)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Assets At Amortized Cost Interest And Other Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains Losses On Derecognition Of Financial Assets At Amortized Cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains Losses On Derecognition Of Other Financial Assets And Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (losses) on financial assets and financial liabilities at fair value through profit or loss mandatorily measured at fair value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains or losses on financial assets and liabilities held for trading net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains(losses) on derecognized of non financial assets and subsidiaries net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainslossesOnDerecognizedOfNonFinancialAssetsAndSubsidiariesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairmentFinancialAssetsMeasuredAtCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment financial assets measured at cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairmentFinancialAssetsMeasuredAtCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairmentFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairmentOrReversalOfImpairmentInvestmentsInSubsidiariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment or reversal of impairment on non financial assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairmentTangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment tangible assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairmentTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NegativeGoodwillRecognisedInProfitAndLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Negative goodwill recognised in profit and loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NegativeGoodwillRecognisedInProfitAndLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherImpairmentNonFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other impairment non financial assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherImpairmentNonFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherInterestIncomeInterestAndOtherIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Interest Income Interest And Other Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherInterestIncomeInterestAndOtherIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProvisionOrReversalOfProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provision or reversal of provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProvisionOrReversalOfProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Of Financial Assets From Amortized Cost To Held For Trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Of Financial Assets From Amortized Cost To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Held For Trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationOfOtherGainsLossesToHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Of Other Gains Losses To Held For Trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationOfOtherGainsLossesToHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Of Other Gains Losses To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdministrativeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses that the entity classifies as being administrative.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2022-03-24<br> -Paragraph 35<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_35_b_vi&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdministrativeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of profit (loss) attributable to ordinary equity holders of the parent entity (the numerator) divided by the weighted average number of ordinary shares outstanding during the period (the denominator).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Basic earnings (loss) per share from continuing operations. [Refer: Basic earnings (loss) per share; Continuing operations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShareFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Basic earnings (loss) per share from discontinued operations. [Refer: Basic earnings (loss) per share; Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of depreciation and amortisation expense. Depreciation and amortisation are the systematic allocations of depreciable amounts of assets over their useful lives.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B13<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B13_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepreciationAndAmortisationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Diluted earnings (loss) per share from continuing operations. [Refer: Continuing operations [member]; Diluted earnings (loss) per share]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Diluted earnings (loss) per share from discontinued operations. [Refer: Diluted earnings (loss) per share; Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EmployeeBenefitsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expense of all forms of consideration given by an entity in exchange for a service rendered by employees or for the termination of employment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EmployeeBenefitsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExpenseArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 37<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExpenseArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense relating to fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income relating to fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on exchange differences on the translation of financial statements of foreign operations, net of tax, before reclassification adjustments. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss, mandatorily measured at fair value; Gains (losses) on financial assets at fair value through profit or loss; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20_a_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnHedgingInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on hedging instruments in fair value hedges. [Refer: Fair value hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_24_a_i&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnHedgingInstrument</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of revenue less cost of sales. [Refer: Cost of sales; Revenue]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossOnFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss on financial assets. [Refer: Financial assets; Impairment loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_20_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossOnFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss recognised in profit or loss for intangible assets other than goodwill. [Refer: Impairment loss recognised in profit or loss; Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2022-03-24<br> -Paragraph 118<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_118_e_iv&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 37<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeStatementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeStatementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount included in the determination of profit (loss) for the period in respect of current tax and deferred tax. [Refer: Current tax expense (income); Deferred tax expense (income)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2022-03-24<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B13<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestRevenueExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income or expense arising from interest. [Refer: Interest expense; Interest income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestRevenueExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousOtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of miscellaneous other operating expenses. [Refer: Other operating income (expense)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousOtherOperatingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousOtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of miscellaneous other operating income. [Refer: Other operating income (expense)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherExpenseByFunction">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses that the entity does not separately disclose in the same statement or note when the entity uses the 'function of expense' form for its analysis of expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2022-03-24<br> -Paragraph 35<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_35_b_vii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherExpenseByFunction</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 39L<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_39L_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2023-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2022-03-24<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
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<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) before tax expense or income. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2022-03-24<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from discontinued operations. [Refer: Discontinued operations [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2022-03-24<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from operating activities of the entity. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2022-03-24<br> -Paragraph IE33<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_IE33&amp;doctype=Illustrative%20Examples<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as income. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entity's share of the profit (loss) of associates and joint ventures accounted for using the equity method. [Refer: Associates [member]; Investments accounted for using equity method; Joint ventures [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 39M<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_39M_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466385328">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Statement of comprehensive income, OCI components presented before tax (Statement) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfComprehensiveIncomeAbstract', window );"><strong>Statement of comprehensive income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit (loss)</a></td>
<td class="nump">&#8364; 6,827<span></span>
</td>
<td class="nump">&#8364; 5,618<span></span>
</td>
<td class="nump">&#8364; 2,060<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncome', window );">Other comprehensive income</a></td>
<td class="nump">810<span></span>
</td>
<td class="num">(3,977)<span></span>
</td>
<td class="num">(5,375)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax', window );">Other comprehensive income that will not be reclassified to profit or loss, before tax</a></td>
<td class="nump">190<span></span>
</td>
<td class="nump">358<span></span>
</td>
<td class="num">(822)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Other comprehensive income, before tax, gains (losses) on remeasurements of defined benefit plans</a></td>
<td class="nump">354<span></span>
</td>
<td class="nump">218<span></span>
</td>
<td class="num">(88)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssestsAvailableForSale', window );">Non-current assests available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="nump">17<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassified to profit or loss, net of tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments', window );">Other comprehensive income, before tax, gains (losses) from investments in equity instruments</a></td>
<td class="num">(121)<span></span>
</td>
<td class="nump">189<span></span>
</td>
<td class="num">(796)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments', window );">Other comprehensive income, before tax, gains (losses) on hedging instruments that hedge investments in equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability', window );">Other comprehensive income, before tax, change in fair value of financial liability attributable to change in credit risk of liability</a></td>
<td class="nump">100<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', window );">Income tax relating to components of other comprehensive income that will not be reclassified to profit or loss</a></td>
<td class="num">(143)<span></span>
</td>
<td class="num">(80)<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax', window );">Other comprehensive income that will be reclassified to profit or loss, before tax</a></td>
<td class="nump">621<span></span>
</td>
<td class="num">(4,335)<span></span>
</td>
<td class="num">(4,553)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations', window );">Other comprehensive income, before tax, hedges of net investments in foreign operations</a></td>
<td class="num">(1,172)<span></span>
</td>
<td class="num">(117)<span></span>
</td>
<td class="nump">378<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Gains (losses) on hedges of net investments in foreign operations, before tax</a></td>
<td class="num">(1,172)<span></span>
</td>
<td class="num">(117)<span></span>
</td>
<td class="nump">378<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Reclassification adjustments on hedges of net investments in foreign operations, before tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations', window );">Other Reclassifications Comprehensive Income Before Tax Hedges Of Net Investments In Foreign Operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation', window );">Other comprehensive income, before tax, exchange differences on translation</a></td>
<td class="nump">3,387<span></span>
</td>
<td class="num">(2,256)<span></span>
</td>
<td class="num">(4,873)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax', window );">Gains (losses) on exchange differences on translation, before tax</a></td>
<td class="nump">3,387<span></span>
</td>
<td class="num">(2,239)<span></span>
</td>
<td class="num">(4,873)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Reclassification adjustments on exchange differences on translation, before tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation', window );">assifications Comprehensive Income Before Tax Exchange Differences On Translation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges', window );">Other comprehensive income, before tax, cash flow hedges</a></td>
<td class="nump">97<span></span>
</td>
<td class="num">(691)<span></span>
</td>
<td class="nump">230<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax', window );">Gains (losses) on cash flow hedges, before tax</a></td>
<td class="nump">116<span></span>
</td>
<td class="num">(553)<span></span>
</td>
<td class="nump">230<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Reclassification adjustments on cash flow hedges, before tax</a></td>
<td class="num">(19)<span></span>
</td>
<td class="num">(137)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems', window );">Amounts removed from equity and included in carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged highly probable forecast transaction, net of tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges', window );">Other reclassification comprehensive income before tax cash flow hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Other Comprehensive Income Before Tax Debt Instruments At Fair Value With Changes In Other Comprehensive Income</a></td>
<td class="num">(2,454)<span></span>
</td>
<td class="num">(1,139)<span></span>
</td>
<td class="nump">460<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax', window );">Gains (losses) on remeasuring available-for-sale financial assets, before tax</a></td>
<td class="num">(2,484)<span></span>
</td>
<td class="num">(1,082)<span></span>
</td>
<td class="nump">515<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnAvailableforsaleFinancialAssetsBeforeTax', window );">Reclassification adjustments on available-for-sale financial assets, before tax</a></td>
<td class="nump">30<span></span>
</td>
<td class="num">(57)<span></span>
</td>
<td class="num">(54)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets', window );">Other reclassification comprehensive income before tax available for sale financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale', window );">Other comprehensive income before tax non current assets held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(663)<span></span>
</td>
<td class="num">(492)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnNonCurrentAssetsHeldForSale', window );">Gains (losses) on non current assets held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(30)<span></span>
</td>
<td class="num">(472)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale', window );">Reclassification adjustments on non current assets held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(633)<span></span>
</td>
<td class="num">(20)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale', window );">Other Reclassifications Comprehensive Income Before Tax Non Current Assets Held For Sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax', window );">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, before tax</a></td>
<td class="num">(7)<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss', window );">Income tax relating to components of other comprehensive income that will be reclassified to profit or loss</a></td>
<td class="nump">770<span></span>
</td>
<td class="nump">523<span></span>
</td>
<td class="num">(243)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Comprehensive income</a></td>
<td class="nump">7,637<span></span>
</td>
<td class="nump">1,640<span></span>
</td>
<td class="num">(3,315)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests', window );">Comprehensive income, attributable to non-controlling interests</a></td>
<td class="nump">1,351<span></span>
</td>
<td class="num">(500)<span></span>
</td>
<td class="num">(606)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent', window );">Comprehensive income, attributable to owners of parent</a></td>
<td class="nump">&#8364; 6,286<span></span>
</td>
<td class="nump">&#8364; 2,141<span></span>
</td>
<td class="num">&#8364; (2,709)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GainsLossesOnNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (losses) on non current assets held for sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GainsLossesOnNonCurrentAssetsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssestsAvailableForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-current assests available for sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NonCurrentAssestsAvailableForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income Before Tax Debt Instruments At Fair Value With Changes In Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherComprehensiveIncomeBeforeTaxDebtInstrumentsAtFairValueWithChangesInOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other comprehensive income before tax non current assets held for sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other reclassification comprehensive income before tax available for sale financial assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherReclassificationComprehensiveIncomeBeforeTaxAvailableForSaleFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other reclassification comprehensive income before tax cash flow hedges</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherReclassificationComprehensiveIncomeBeforeTaxCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other reclassifications Comprehensive Income Before Tax Exchange Differences On Translation</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassifications Comprehensive Income Before Tax Hedges Of Net Investments In Foreign Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassifications Comprehensive Income Before Tax Non Current Assets Held For Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherReclassificationsComprehensiveIncomeBeforeTaxNonCurrentAssetsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification adjustments on non current assets held for sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ReclassificationAdjustmentsOnNonCurrentAssetsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts removed from equity and included in the initial cost or other carrying amount of a non-financial asset (liability) whose acquisition or incurrence was a hedged, highly probable forecast transaction, net of tax. [Refer: Carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_23_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForAmountsTransferredToInitialCarryingAmountOfHedgedItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income attributable to non-controlling interests. [Refer: Comprehensive income; Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81B<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81B_b_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income attributable to owners of the parent. [Refer: Comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81B<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81B_b_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on cash flow hedges, before tax, before reclassification adjustments. [Refer: Cash flow hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_23_c&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on exchange differences on the translation of financial statements of foreign operations, before tax, before reclassification adjustments. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on hedges of net investments in foreign operations, before tax, before reclassification adjustments. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2022-03-24<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2022-03-24<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on remeasuring available-for-sale financial assets, before tax, before reclassification adjustments. [Refer: Financial assets available-for-sale]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_20_a_ii&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_91_b&amp;doctype=Standard&amp;forcepdf=true<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will not be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income and expense (including reclassification adjustments) that is not recognised in profit or loss as required or permitted by IFRSs. [Refer: IFRSs [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B12<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B12_b_viii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to cash flow hedges. [Refer: Cash flow hedges [member]; Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to change in the fair value of financial liability attributable to change in the credit risk of the liability. [Refer: Other comprehensive income, before tax; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to exchange differences on translation of financial statements of foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) from changes in the fair value of investments in equity instruments that the entity has designated at fair value through other comprehensive income applying paragraph 5.7.5 of IFRS 9. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -Subparagraph a<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20_a_vii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on hedging instruments that hedge investments in equity instruments that the entity has designated at fair value through other comprehensive income. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on remeasurements of defined benefit plans, which comprise actuarial gains and losses; the return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset); and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset). [Refer: Other comprehensive income; Defined benefit plans [member]; Plan assets [member]; Net defined benefit liability (asset)] [Contrast: Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2022-03-24<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to hedges of net investments in foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2022-03-24<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2022-03-24<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will be reclassified to profit or loss, before tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will not be reclassified to profit or loss, before tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 39L<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_39L_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2023-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2022-03-24<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnAvailableforsaleFinancialAssetsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to available-for-sale financial assets, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Financial assets available-for-sale; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_92&amp;doctype=Standard&amp;forcepdf=true<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_20_a_ii&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnAvailableforsaleFinancialAssetsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to cash flow hedges, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Cash flow hedges [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2023-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_23_d&amp;doctype=Standard&amp;book=b<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to exchange differences when the financial statements of foreign operations are translated, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2022-03-24<br> -Paragraph 48<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to hedges of net investments in foreign operations, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2022-03-24<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2022-03-24<br> -Paragraph 6.5.14<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_6.5.14&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will be reclassified to profit or loss, before tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will not be reclassified to profit or loss, net of tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfComprehensiveIncomeAbstract</td>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016462999184">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Statement of changes in equity (Statement) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Total</div></th>
<th class="th"><div>Issued capital [member]</div></th>
<th class="th"><div>Share premium [member]</div></th>
<th class="th"><div>Equity Instruments Issued Other Than Capital [Member]</div></th>
<th class="th"><div>Other equity interest [member]</div></th>
<th class="th"><div>Retained earnings [member]</div></th>
<th class="th"><div>Revaluation surplus [member]</div></th>
<th class="th"><div>Other reserves [member]</div></th>
<th class="th"><div>Treasury shares [member]</div></th>
<th class="th"><div>Equity attributable to owners of parent [member]</div></th>
<th class="th"><div>Interim dividends [Member]</div></th>
<th class="th"><div>Accumulated other comprehensive income [member]</div></th>
<th class="th"><div>Other comprehensive income non controlling interest [Member]</div></th>
<th class="th"><div>Rest of non controlling interest [Member]</div></th>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period (Previously stated [member]) at Dec. 31, 2019</a></td>
<td class="nump">&#8364; 54,925<span></span>
</td>
<td class="nump">&#8364; 3,267<span></span>
</td>
<td class="nump">&#8364; 23,992<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 56<span></span>
</td>
<td class="nump">&#8364; 26,402<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (125)<span></span>
</td>
<td class="num">&#8364; (62)<span></span>
</td>
<td class="nump">&#8364; 3,512<span></span>
</td>
<td class="num">&#8364; (1,084)<span></span>
</td>
<td class="num">&#8364; (7,234)<span></span>
</td>
<td class="num">&#8364; (3,527)<span></span>
</td>
<td class="nump">&#8364; 9,728<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period (Increase (decrease) due to changes in accounting policy [member]) at Dec. 31, 2019</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,986<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,992)<span></span>
</td>
<td class="num">(2,045)<span></span>
</td>
<td class="nump">2,045<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period at Dec. 31, 2019</a></td>
<td class="nump">54,925<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">23,992<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="nump">29,388<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(119)<span></span>
</td>
<td class="num">(62)<span></span>
</td>
<td class="nump">3,512<span></span>
</td>
<td class="num">(1,084)<span></span>
</td>
<td class="num">(10,226)<span></span>
</td>
<td class="num">(5,572)<span></span>
</td>
<td class="nump">11,773<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInEquityAbstract', window );"><strong>Changes in equity [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Comprehensive income</a></td>
<td class="num">(3,315)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,305<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4,014)<span></span>
</td>
<td class="num">(1,361)<span></span>
</td>
<td class="nump">755<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized', window );">Changes in equity other than total income or expense recognized</a></td>
<td class="num">(1,590)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="nump">1,120<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(45)<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="num">(3,512)<span></span>
</td>
<td class="nump">1,084<span></span>
</td>
<td class="num">(116)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="num">(107)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issue of equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IssueOfPreferredShares', window );">Issue of preferred shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IssuanceOfOtherEquityInstruments', window );">Issuance of other equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments', window );">Period or maturity of other issued equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Increase (decrease) through conversion of convertible instruments, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners', window );">Decrease through other distributions to owners, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends recognised as distributions to owners</a></td>
<td class="num">(1,190)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,066)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(124)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="num">(807)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(807)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SaleOrIssueOfTreasuryShares', window );">Sale or issue of treasury shares</a></td>
<td class="nump">823<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">823<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityReclassifiedIntoFinancialLiabilities', window );">Equity reclassified into financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity', window );">Financial liabilities reclassified into equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners', window );">Increase (decrease) through transactions with owners, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,585<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(41)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3,512)<span></span>
</td>
<td class="nump">1,084<span></span>
</td>
<td class="num">(116)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increase (decrease) through acquisition of subsidiary, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForSharebasedPayments', window );">Adjustments for share-based payments</a></td>
<td class="num">(22)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(22)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Increase (decrease) through other changes, equity</a></td>
<td class="num">(394)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="num">(399)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Previously stated [member]) at Dec. 31, 2020</a></td>
<td class="nump">50,020<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">23,992<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="nump">30,508<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(164)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
<td class="nump">1,305<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(14,356)<span></span>
</td>
<td class="num">(6,949)<span></span>
</td>
<td class="nump">12,421<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period at Dec. 31, 2020</a></td>
<td class="nump">50,020<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">23,992<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="nump">30,508<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(164)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
<td class="nump">1,305<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(14,356)<span></span>
</td>
<td class="num">(6,949)<span></span>
</td>
<td class="nump">12,421<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInEquityAbstract', window );"><strong>Changes in equity [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Comprehensive income</a></td>
<td class="nump">1,640<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4,653<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,512)<span></span>
</td>
<td class="num">(1,465)<span></span>
</td>
<td class="nump">965<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized', window );">Changes in equity other than total income or expense recognized</a></td>
<td class="num">(2,900)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(393)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">1,333<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,693)<span></span>
</td>
<td class="num">(600)<span></span>
</td>
<td class="num">(1,305)<span></span>
</td>
<td class="num">(532)<span></span>
</td>
<td class="nump">391<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(119)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issue of equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IssueOfPreferredShares', window );">Issue of preferred shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IssuanceOfOtherEquityInstruments', window );">Issuance of other equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments', window );">Period or maturity of other issued equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Increase (decrease) through conversion of convertible instruments, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners', window );">Decrease through other distributions to owners, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends recognised as distributions to owners</a></td>
<td class="num">(1,045)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(393)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(532)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(119)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="num">(1,022)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,022)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SaleOrIssueOfTreasuryShares', window );">Sale or issue of treasury shares</a></td>
<td class="nump">438<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">421<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityReclassifiedIntoFinancialLiabilities', window );">Equity reclassified into financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity', window );">Financial liabilities reclassified into equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners', window );">Increase (decrease) through transactions with owners, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,693<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(780)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,305)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">391<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increase (decrease) through acquisition of subsidiary, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForSharebasedPayments', window );">Adjustments for share-based payments</a></td>
<td class="num">(11)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(11)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Increase (decrease) through other changes, equity</a></td>
<td class="num">(1,260)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="num">(360)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(930)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Previously stated [member]) at Dec. 31, 2021</a></td>
<td class="nump">48,760<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">23,599<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="nump">31,841<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,857)<span></span>
</td>
<td class="num">(647)<span></span>
</td>
<td class="nump">4,653<span></span>
</td>
<td class="num">(532)<span></span>
</td>
<td class="num">(16,476)<span></span>
</td>
<td class="num">(8,414)<span></span>
</td>
<td class="nump">13,267<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period at Dec. 31, 2021</a></td>
<td class="nump">48,760<span></span>
</td>
<td class="nump">3,267<span></span>
</td>
<td class="nump">23,599<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="nump">31,841<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,857)<span></span>
</td>
<td class="num">(647)<span></span>
</td>
<td class="nump">4,653<span></span>
</td>
<td class="num">(532)<span></span>
</td>
<td class="num">(16,476)<span></span>
</td>
<td class="num">(8,414)<span></span>
</td>
<td class="nump">13,267<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInEquityAbstract', window );"><strong>Changes in equity [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Comprehensive income</a></td>
<td class="nump">7,637<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">6,420<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(134)<span></span>
</td>
<td class="nump">944<span></span>
</td>
<td class="nump">407<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized', window );">Changes in equity other than total income or expense recognized</a></td>
<td class="num">(5,783)<span></span>
</td>
<td class="num">(313)<span></span>
</td>
<td class="num">(2,743)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">695<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4,202<span></span>
</td>
<td class="nump">617<span></span>
</td>
<td class="num">(4,653)<span></span>
</td>
<td class="num">(190)<span></span>
</td>
<td class="num">(822)<span></span>
</td>
<td class="nump">4,358<span></span>
</td>
<td class="num">(6,938)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issue of equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IssueOfPreferredShares', window );">Issue of preferred shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IssuanceOfOtherEquityInstruments', window );">Issuance of other equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments', window );">Period or maturity of other issued equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Increase (decrease) through conversion of convertible instruments, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners', window );">Decrease through other distributions to owners, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(313)<span></span>
</td>
<td class="num">(2,743)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">250<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(355)<span></span>
</td>
<td class="nump">3,160<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends recognised as distributions to owners</a></td>
<td class="num">(2,370)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,463)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(722)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(185)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="num">(2,966)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,966)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SaleOrIssueOfTreasuryShares', window );">Sale or issue of treasury shares</a></td>
<td class="nump">432<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">423<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityReclassifiedIntoFinancialLiabilities', window );">Equity reclassified into financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity', window );">Financial liabilities reclassified into equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners', window );">Increase (decrease) through transactions with owners, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,234<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,709<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4,653)<span></span>
</td>
<td class="nump">532<span></span>
</td>
<td class="num">(822)<span></span>
</td>
<td class="nump">4,358<span></span>
</td>
<td class="num">(4,358)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increase (decrease) through acquisition of subsidiary, equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForSharebasedPayments', window );">Adjustments for share-based payments</a></td>
<td class="num">(22)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(22)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Increase (decrease) through other changes, equity</a></td>
<td class="num">(857)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="num">(326)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,839<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,395)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period at Dec. 31, 2022</a></td>
<td class="nump">&#8364; 50,615<span></span>
</td>
<td class="nump">&#8364; 2,955<span></span>
</td>
<td class="nump">&#8364; 20,856<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 63<span></span>
</td>
<td class="nump">&#8364; 32,536<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 2,345<span></span>
</td>
<td class="num">&#8364; (29)<span></span>
</td>
<td class="nump">&#8364; 6,420<span></span>
</td>
<td class="num">&#8364; (722)<span></span>
</td>
<td class="num">&#8364; (17,432)<span></span>
</td>
<td class="num">&#8364; (3,112)<span></span>
</td>
<td class="nump">&#8364; 6,736<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Changes in equity other than total income or expense recognized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IssuanceOfOtherEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Issuance of other equity instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IssuanceOfOtherEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IssueOfPreferredShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Issue of preferred shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IssueOfPreferredShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period or maturity of other issued equity instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForSharebasedPayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for share-based payments to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForSharebasedPayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ChangesInEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ChangesInEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2022-03-24<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityReclassifiedIntoFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity reclassified into financial liabilities. [Refer: Equity; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 80A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_80A&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityReclassifiedIntoFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities reclassified into equity. [Refer: Equity; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 80A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_80A&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the acquisition of subsidiaries. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the conversion of convertible instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity through distributions to owners that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from transactions with owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from changes that the entity does not separately disclose in the same statement or note. [Refer: Equity]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssueOfEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in equity through the issue of equity instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssueOfEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity resulting from the purchase of treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SaleOrIssueOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in equity resulting from the sale or issue of treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SaleOrIssueOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_PreviouslyStatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_PreviouslyStatedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466404832">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Statement of cash flows, indirect method (Statement) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_StatementOfCashFlowsLineItems', window );"><strong>Statement of cash flows [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivities', window );">Cash flows from (used in) operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 23,718<span></span>
</td>
<td class="num">&#8364; (1,242)<span></span>
</td>
<td class="nump">&#8364; 39,349<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit (loss)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,827<span></span>
</td>
<td class="nump">5,618<span></span>
</td>
<td class="nump">2,060<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForReconcileProfitLoss', window );">Adjustments to reconcile profit (loss)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,770<span></span>
</td>
<td class="nump">7,688<span></span>
</td>
<td class="nump">11,653<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationExpense', window );">Adjustments for depreciation expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,328<span></span>
</td>
<td class="nump">1,234<span></span>
</td>
<td class="nump">1,288<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAdjustmentsToReconcileProfitLoss', window );">Other adjustments to reconcile profit (loss)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,442<span></span>
</td>
<td class="nump">6,454<span></span>
</td>
<td class="nump">10,365<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NetIncreaseDecreaseInOperatingAssets', window );">Net increase decrease in operating assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(42,900)<span></span>
</td>
<td class="num">(38,267)<span></span>
</td>
<td class="num">(57,370)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading', window );">Adjustments for decrease (increase) in financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,658<span></span>
</td>
<td class="num">(17,031)<span></span>
</td>
<td class="num">(10,351)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets', window );">Non tradign financial assets mandatorily at fair value through profit or loss operating assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(421)<span></span>
</td>
<td class="num">(908)<span></span>
</td>
<td class="num">(241)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss', window );">Adjustments For Decrease Increase In Other Financial Assets Designated At Fair Value Through Profit Or Loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">179<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="nump">97<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Adjustments For Decrease Increase In Financial Assets At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,014)<span></span>
</td>
<td class="nump">7,116<span></span>
</td>
<td class="num">(16,649)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost', window );">Adjustments For Decrease Increase In Financial Assets At Amortised Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(55,754)<span></span>
</td>
<td class="num">(28,062)<span></span>
</td>
<td class="num">(30,212)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets', window );">Adjustments for decrease (increase) in other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(548)<span></span>
</td>
<td class="nump">592<span></span>
</td>
<td class="num">(15)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NetIncreaseDecreaseInOperatingLiabilities', window );">Net increase Decrease in operating liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">51,256<span></span>
</td>
<td class="nump">25,266<span></span>
</td>
<td class="nump">84,961<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading', window );">Adjustments for increase (decrease) in financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,907<span></span>
</td>
<td class="nump">6,479<span></span>
</td>
<td class="nump">247<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities', window );">Other financial liabilities designated at fair value through profit or loss operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">293<span></span>
</td>
<td class="num">(837)<span></span>
</td>
<td class="nump">647<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities', window );">Financial liabilities at amortized cost operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">48,161<span></span>
</td>
<td class="nump">19,682<span></span>
</td>
<td class="nump">84,853<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities', window );">Adjustments for increase (decrease) in other liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(105)<span></span>
</td>
<td class="num">(58)<span></span>
</td>
<td class="num">(787)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities', window );">Income taxes paid (refund), classified as operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,234)<span></span>
</td>
<td class="num">(1,546)<span></span>
</td>
<td class="num">(1,955)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivities', window );">Cash flows from (used in) investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,911)<span></span>
</td>
<td class="num">(1,634)<span></span>
</td>
<td class="num">(37)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutflowsOfCashFromInvestingActivities', window );">Outflows of cash from investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(4,506)<span></span>
</td>
<td class="num">(12,472)<span></span>
</td>
<td class="num">(1,185)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities', window );">Purchase of property, plant and equipment, classified as investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,812)<span></span>
</td>
<td class="num">(396)<span></span>
</td>
<td class="num">(632)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities', window );">Purchase of intangible assets, classified as investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(630)<span></span>
</td>
<td class="num">(550)<span></span>
</td>
<td class="num">(491)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities', window );">Other cash payments to acquire interests in joint ventures, classified as investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(81)<span></span>
</td>
<td class="num">(50)<span></span>
</td>
<td class="num">(62)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities', window );">Cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,389)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities', window );">Purchase Of Non Current Assets And Liabilities Held For Sale Classified As Investing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(594)<span></span>
</td>
<td class="num">(11,476)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities', window );">Other Outflows Of Cash Classified As Investing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InflowsOfCashFromInvestingActivities', window );">Inflows of cash from investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">596<span></span>
</td>
<td class="nump">10,838<span></span>
</td>
<td class="nump">1,148<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities', window );">Proceeds from sales of property, plant and equipment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">29<span></span>
</td>
<td class="nump">78<span></span>
</td>
<td class="nump">558<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities', window );">Proceeds from sales of intangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities', window );">Other cash receipts from sales of interests in joint ventures</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">127<span></span>
</td>
<td class="nump">80<span></span>
</td>
<td class="nump">307<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities', window );">Cash flows from losing control of subsidiaries or other businesses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations', window );">Proceeds from disposal of non-current assets or disposal groups classified as held for sale and discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">440<span></span>
</td>
<td class="nump">10,670<span></span>
</td>
<td class="nump">283<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities', window );">Proceeds From Other Collections Related To Investing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivities', window );">Cash flows from (used in) financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,563)<span></span>
</td>
<td class="num">(4,349)<span></span>
</td>
<td class="num">(2,069)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentsInFinancingActivities', window );">Investments in Financing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,996)<span></span>
</td>
<td class="num">(4,786)<span></span>
</td>
<td class="num">(5,316)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities', window );">Dividends paid, classified as financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,185)<span></span>
</td>
<td class="num">(926)<span></span>
</td>
<td class="num">(1,065)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RepaymentsOfSubordinatedLiabilities', window );">Repayments of subordinated liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,258)<span></span>
</td>
<td class="num">(2,301)<span></span>
</td>
<td class="num">(2,820)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PaymentsForTreasuryStockAmortization', window );">Payments ForTreasury Stock Amortization</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(313)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PaymentsForTreasuryStockAcquisition', window );">Payments For Treasury Stock Acquisition</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,670)<span></span>
</td>
<td class="num">(1,022)<span></span>
</td>
<td class="num">(807)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities', window );">Other Outflows Of Cash Classified As Financing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(571)<span></span>
</td>
<td class="num">(538)<span></span>
</td>
<td class="num">(624)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisinvestmentsInFinancingActivities', window );">Disinvestments In Financing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">434<span></span>
</td>
<td class="nump">438<span></span>
</td>
<td class="nump">3,247<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities', window );">Proceeds from issue of subordinated liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,425<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssuingShares', window );">Proceeds from issuing shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProceedsFromTreasuryStockDisposal', window );">Proceeds From Treasury Stock Disposal</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">434<span></span>
</td>
<td class="nump">438<span></span>
</td>
<td class="nump">822<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities', window );">Other Inflows Of Cash Classified As Financing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">Effect of exchange rate changes on cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(288)<span></span>
</td>
<td class="num">(1,864)<span></span>
</td>
<td class="num">(4,658)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale', window );">Increase decrease in cash and cash equivalents including companies held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,957<span></span>
</td>
<td class="num">(9,089)<span></span>
</td>
<td class="nump">32,585<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale', window );">Cash and cash equivalents including balance of companies for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">67,799<span></span>
</td>
<td class="nump">76,888<span></span>
</td>
<td class="nump">44,303<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale', window );">Cash and cash equivalents including balance of companies for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">79,756<span></span>
</td>
<td class="nump">67,799<span></span>
</td>
<td class="nump">76,888<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems', window );"><strong>Components of cash and cash equivalents at the end of the period [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Cash', window );">Cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,533<span></span>
</td>
<td class="nump">6,877<span></span>
</td>
<td class="nump">6,447<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndBankBalancesAtCentralBanks', window );">Cash and bank balances at central banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">67,314<span></span>
</td>
<td class="nump">55,004<span></span>
</td>
<td class="nump">53,079<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFinancialAssets', window );">Other financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,909<span></span>
</td>
<td class="nump">5,918<span></span>
</td>
<td class="nump">5,994<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents', window );">Bank overdrafts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash and cash equivalents at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">79,756<span></span>
</td>
<td class="nump">67,799<span></span>
</td>
<td class="nump">65,520<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa', window );">Total cash and cash equivalents classified as non current assets and disposable groups classified as held for sale in usa</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 11,368<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">(1) The variation is mainly due to an increase in balances at the Bank of Spain.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments For Decrease Increase In Financial Assets At Amortised Cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments For Decrease Increase In Financial Assets At Fair Value Through Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments For Decrease Increase In Other Financial Assets Designated At Fair Value Through Profit Or Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AdjustmentsForDecreaseIncreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash and cash equivalents including balance of companies for sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CashAndCashEquivalentsIncludingBalanceOfCompaniesForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Components of cash and cash equivalents at the end of the period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisinvestmentsInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disinvestments In Financing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisinvestmentsInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial liabilities at amortized cost operating activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialLiabilitiesAtAmortizedCostOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase decrease in cash and cash equivalents including companies held for sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InvestmentsInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investments in Financing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InvestmentsInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NetIncreaseDecreaseInOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net increase decrease in operating assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NetIncreaseDecreaseInOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NetIncreaseDecreaseInOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net increase Decrease in operating liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NetIncreaseDecreaseInOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non tradign financial assets mandatorily at fair value through profit or loss operating assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NonTradignFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other financial liabilities designated at fair value through profit or loss operating activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherInflowsOfCashClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Inflows Of Cash Classified As Financing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherInflowsOfCashClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Outflows Of Cash Classified As Financing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOutflowsOfCashClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Outflows Of Cash Classified As Investing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOutflowsOfCashClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PaymentsForTreasuryStockAcquisition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments For Treasury Stock Acquisition</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PaymentsForTreasuryStockAcquisition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PaymentsForTreasuryStockAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments ForTreasury Stock Amortization</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PaymentsForTreasuryStockAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proceeds From Other Collections Related To Investing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProceedsFromOtherCollectionsRelatedToInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProceedsFromTreasuryStockDisposal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proceeds From Treasury Stock Disposal</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProceedsFromTreasuryStockDisposal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Purchase Of Non Current Assets And Liabilities Held For Sale Classified As Investing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PurchaseOfNonCurrentAssetsAndLiabilitiesHeldForSaleClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StatementOfCashFlowsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Statement of cash flows</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_StatementOfCashFlowsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total cash and cash equivalents classified as non current assets and disposable groups classified as held for sale in usa</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TotalCashAndCashEquivalentsClassifiedAsNonCurrentAssetsAndDisposableGroupsClassifiedAsHeldForSaleInUsa</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in financial assets held for trading to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at fair value through profit or loss, classified as held for trading; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in other assets to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Other assets; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDepreciationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for depreciation expense to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDepreciationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in financial liabilities held for trading to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss that meet definition of held for trading; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in other liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Other liabilities; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForReconcileProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForReconcileProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that has been withdrawn from an account in excess of existing cash balances. This is considered a short-term extension of credit by the bank. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BankOverdraftsClassifiedAsCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Cash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits. [Refer: Cash on hand]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Cash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndBankBalancesAtCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and bank balances held at central banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndBankBalancesAtCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate cash flows arising from losing control of subsidiaries or other businesses, classified as investing activities. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) financing activities, which are activities that result in changes in the size and composition of the contributed equity and borrowings of the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) investing activities, which are the acquisition and disposal of long-term assets and other investments not included in cash equivalents.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) operating activities, which are the principal revenue-producing activities of the entity and other activities that are not investing or financing activities. [Refer: Revenue]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for dividends paid by the entity, classified as financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaidClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The effect of exchange rate changes on cash and cash equivalents held or due in a foreign currency. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from income taxes paid or refunded, classified as operating activities. [Refer: Income taxes paid (refund)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 14<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_14_f&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from investing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAdjustmentsToReconcileProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments to reconcile profit (loss) to net cash flow from (used in) operating activities that the entity does not separately disclose in the same statement or note. [Refer: Adjustments to reconcile profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAdjustmentsToReconcileProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to acquire interests in joint ventures (other than payments for those instruments considered to be cash equivalents or those held for dealing or trading purposes), classified as investing activities. [Refer: Joint ventures [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16_c&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of interests in joint ventures (other than receipts for those instruments considered to be cash equivalents and those held for dealing or trading purposes), classified as investing activities. [Refer: Joint ventures [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that the entity does not separately disclose in the same statement or note. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 54<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_54_d&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OutflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for investing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OutflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the disposal of non-current assets or disposal groups classified as held for sale and discontinued operations. [Refer: Discontinued operations [member]; Disposal groups classified as held for sale [member]; Non-current assets or disposal groups classified as held for sale]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuing of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssuingShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from issuing shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 17<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_17_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssuingShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of intangible assets, classified as investing activities. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2022-03-24<br> -Paragraph 39L<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2022-en-b&amp;anchor=para_39L_e&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2022-03-24<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2022-03-24<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2023-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2022-03-24<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2022-03-24<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchases of intangible assets, classified as investing activities. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchases of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 16<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RepaymentsOfSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for repayments of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2022-03-24<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RepaymentsOfSubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016482723824">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Statement of financial position, order of liquidity (Parentheticals) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Statement of financial position [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MemorandumLoanCommitmentsGiven', window );">Memorandum loan commitments given</a></td>
<td class="nump">&#8364; 136,920<span></span>
</td>
<td class="nump">&#8364; 119,618<span></span>
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<td class="nump">&#8364; 132,584<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialGuaranteesGivenMemorandum', window );">Financial guarantees given Memorandum</a></td>
<td class="nump">16,511<span></span>
</td>
<td class="nump">11,720<span></span>
</td>
<td class="nump">10,665<span></span>
</td>
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<tr class="ro">
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<td class="nump">39,137<span></span>
</td>
<td class="nump">34,604<span></span>
</td>
<td class="nump">36,190<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost', window );">Memorandum item subordinated liabilities at amortised cost</a></td>
<td class="nump">12,509<span></span>
</td>
<td class="nump">14,808<span></span>
</td>
<td class="nump">16,488<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SubordinatedLiabilitiesAtFairValueMemorandumItem', window );">Subordinated liabilities at fair value memorandum item</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialGuaranteesGivenMemorandum">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial guarantees given Memorandum</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialGuaranteesGivenMemorandum</td>
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<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum item subordinated liabilities at amortised cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost</td>
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<td>bbva_</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated liabilities at fair value memorandum item</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466210992">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Statement of cash flows, indirect method (Parentheticals) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
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<th class="th"><div>Dec. 31, 2022</div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfCashFlowsAbstract', window );"><strong>Statement of cash flows [abstract]</strong></a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 0<span></span>
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<td class="nump">&#8364; 0<span></span>
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<td class="nump">&#8364; 0<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016469262160">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 1<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
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<td class="text">Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information Introduction<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter &#8220;the Bank&#8221;, &#8220;BBVA" or &#8220;BBVA, S.A.&#8221;) is a private-law entity subject to the laws and regulations governing banking entities operating in Spain. It carries out its activity through branches and agencies across the country and abroad.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Bylaws and other public information are available for inspection at the Bank&#8217;s registered address (Plaza San Nicol&#225;s, 4 Bilbao) as noted on its web site (www.bbva.com).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the activities it carries out directly, the Bank heads a group of subsidiaries, joint ventures and associates which perform a wide range of activities and which together with the Bank constitute the Banco Bilbao Vizcaya Argentaria Group (hereinafter the &#8220;Group&#8221; or the &#8220;BBVA Group&#8221;). In addition to its own separate financial statements, the Bank is required to prepare Consolidated Financial Statements comprising all consolidated subsidiaries of the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the BBVA Group had 203 consolidated entities and 43 entities accounted for using the equity method (see Notes 3 and 16 and Appendix I to V).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Consolidated Financial Statements of the BBVA Group for the year ended December 31, 2022, were authorized for issue on March 6, 2023.</span></div>Basis for the presentation of the Consolidated Financial Statements<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s Consolidated Financial Statements are presented in compliance with IFRS-IASB (International Financial Reporting Standards as issued by the International Accounting Standards Board), as well as in accordance with the International Financial Reporting Standards endorsed by the European Union (&#8220;EU-IFRS&#8221;) applicable as of December 31, 2022, considering the Bank of Spain Circular 4/2017, as well as its successive amendments, and with any other legislation governing financial reporting which is applicable and with the format and mark-up requirements established in the EU Delegated Regulation 2019/815 of the European Commission.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s Consolidated Financial Statements for the year ended December 31, 2022 were prepared by the Group&#8217;s Directors (through the Board of Directors meeting held on February 9, 2023) by applying the principles of consolidation, accounting policies and valuation criteria described in Note 2, so that they present fairly the Group&#8217;s total consolidated equity and financial position as of December 31, 2022, together with the consolidated results of its operations and cash flows generated during the year ended December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These Consolidated Financial Statements were prepared on the basis of the accounting records kept by the Bank and each of the other entities in the Group. Moreover, they include the adjustments and reclassifications required to harmonize the accounting policies and valuation criteria used by the Group (see Note 2.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All effective accounting standards and valuation criteria with a significant effect on the Consolidated Financial Statements were applied in their preparation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts reflected in the Consolidated Financial Statements are presented in millions of euros, unless it is more appropriate to use smaller units. Some items that appear without a balance in these Consolidated Financial Statements are due to how the units are expressed. Also, in presenting amounts in millions of euros, the accounting balances have been rounded up or down. It is therefore possible that the totals appearing in some tables are not the exact arithmetical sum of their component figures.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The percentage changes in amounts have been calculated using figures expressed in thousands of euros.</span></div>Seasonal nature of income and expenseThe nature of the most significant activities carried out by the BBVA Group&#8217;s entities is mainly related to typical activities carried out by financial institutions, and are not significantly affected by seasonal factors within the same year.Responsibility for the information and for the estimates made<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The information contained in the BBVA Group&#8217;s Consolidated Financial Statements is the responsibility of the Group&#8217;s Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Estimates were required to be made at times when preparing these Consolidated Financial Statements in order to calculate the recorded or disclosed amount of some assets, liabilities, income, expense and commitments. These estimates relate mainly to the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Loss allowances on certain financial assets (see Notes 7, 13, 14 and 16).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The assumptions used to quantify certain provisions (see Notes 23 and 24) and for the actuarial calculation of post-employment benefit liabilities and commitments (see Note 25).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The useful life and impairment losses of tangible and intangible assets (see Notes 17, 18, and 21).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The valuation of goodwill and price allocation of business combinations (see Note 18).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The fair value of certain unlisted financial assets and liabilities (see Notes 7, 8, 10, 11, 12, 13 and 15).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The recoverability of deferred tax assets (see Note 19).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The great macroeconomic and geopolitical uncertainty (see Note 7.1) has resulted in greater complexity in developing reliable estimates and applying judgment. Therefore, while these estimates have been made on the basis of the best available information on the matters analyzed, as of December 31, 2022, it is possible that events may take place in the future which could make it necessary to amend these estimations (upward or downward), which would be carried out prospectively, recognizing the effects of the change in estimation in the consolidated financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022 there have been no other significant changes in the estimates made as of December 31, 2021 and 2020, other than those indicated in these Consolidated Financial Statements.</span></div>BBVA Group&#8217;s Internal Control over Financial Reporting<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA Group&#8217;s Consolidated Financial Statements are prepared under an Internal Control over Financial Reporting Model (ICFR). It provides reasonable assurance with respect to the reliability and the integrity of the consolidated financial statements. It is also aimed to support that the transactions are processed in accordance with the applicable laws and regulations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The ICFR model is compliant with the control framework established in 2013 by the Committee of Sponsoring Organizations of the Treadway Commission (hereinafter "COSO"). The COSO 2013 framework sets out five components that constitute the basis of the effectiveness and efficiency of the internal control systems:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The establishment of an appropriate control framework.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The assessment of the risks that could arise during the preparation of the financial information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The design of the necessary controls to mitigate the identified risks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The establishment of an appropriate system of information to detect and report system weaknesses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The monitoring over the controls to support correct performance and effectiveness over time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The ICFR model is a dynamic model that continuously evolves over time to reflect the reality of the BBVA Group&#8217;s businesses and processes, as well as the risks and controls designed to mitigate them. It is subject to a continuous evaluation by the internal financial control units located in the different entities of BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to guarantee the necessary independence of the aforementioned internal financial control units, they are integrated within the Regulation &amp; Internal Control area, whose head reports to the Board of Directors through its Committees, and defines and coordinates the Group's entire internal control model, based on two pillars:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A control system organized into three lines of defense that has been updated and strengthened, as described below:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The first line of defense (1LoD) is located within the business and support units, which are responsible for identifying risks associated with their processes, as well as for implementing and executing the necessary controls to mitigate them. The Risk Control Assurer (RCA) role was created to reinforce the adequate risk management in each area&#8217;s processes </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The second line of defense (2LoD) comprises the specialized control units for each type of risk (Risk Control Specialists - RCS- among others Finance, Legal, IT, Third Party, Compliance or Processes). This second line defines the mitigation and control frameworks for their areas of responsibility across the entire organization and performs challenge to the control model (supervises the implementation and design of the controls and assesses their effectiveness). </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">The third line of defense (3LoD) is the Internal Audit unit, which conducts an independent review of the model, verifying the compliance and effectiveness of the control model, both the first and second line of defense functions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A committee structure in the Group, called Corporate Assurance, which enables the escalation of possible weaknesses to the Management as well as the management of issues related to internal control, both at a consolidated level and also in each of the countries where the Group operates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The RCA and RCS Finance (Internal Financial Control) units comply with a common and standard methodology established at the Group level, as set out in the following diagram:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><img alt="bbva-20221231_g2.jpg" src="bbva-20221231_g2.jpg" style="height:258px;margin-bottom:5pt;vertical-align:text-bottom;width:649px"/></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The ICFR model is subject to evaluation on a regular basis by the Control areas (RCAs and RCSs), and annually by the Group&#8217;s Internal Audit Unit. It is also supervised by the Audit Committee of the Bank&#8217;s Board of Directors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group also complies with the requirements of the Sarbanes-Oxley Act (hereafter, &#8220;SOX&#8221;) for the preparation of the consolidated Financial Statements, as a company with securities registered with the U.S. Securities and Exchange Commission (&#8220;SEC&#8221;). The main senior executives of the Group are involved in the design and implementation of the internal control model with the aim of making it effective and to support the quality and accuracy of the financial information.</span></div><span></span>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016466169328">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 2<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract', window );"><strong>Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements [Abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock', window );">Disclosure of principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements [Text Block]</a></td>
<td class="text">Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncementsThe Glossary includes the definition of some of the financial and economic terms used in Note 2 and subsequent Notes of the Consolidated Financial Statements.Principles of consolidation<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In terms of its consolidation, in accordance with the criteria established by IFRS, the BBVA Group is made up of four types of entities: subsidiaries, joint ventures, associates and structured entities, defined as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Subsidiaries</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Subsidiaries are entities controlled by the Group (for definition of control, see Glossary). The financial statements of the subsidiaries are fully consolidated with those of the Bank. The share of non-controlling interests from subsidiaries in the Group&#8217;s consolidated total equity is presented under the heading &#8220;Minority interests (Non-controlling interests)&#8221; in the consolidated balance sheet. Their share in the profit or loss for the period or year is presented under the heading &#8220;Attributable to minority interest (non-controlling interests)&#8221; in the consolidated income statement (see Note 31).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Note 3 includes information related to the main subsidiaries in the Group as of December 31, 2022, 2021 and 2020. Appendix I includes other significant information on all entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Joint ventures</span></div><div style="padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Joint ventures are those entities for which there is a joint control arrangement with third parties other than the Group (for definitions of joint arrangement, joint control and joint venture, refer to Glossary). </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The investments in joint ventures are accounted for using the equity method (see Note 16). Appendix II shows the main figures for joint ventures accounted for using the equity method as of December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Associates</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Associates are entities in which the Group is able to exercise significant influence (for definition of significant influence, see Glossary). Significant influence is deemed to exist when the Group owns 20% or more of the voting rights of an investee directly or indirectly, unless it can be clearly demonstrated that this is not the case.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Certain entities in which the Group owns 20% or more of the voting rights are not included as Group associates, since the Group does not have the ability to exercise significant influence over these entities. Investments in these entities, which do not represent material amounts for the Group, are classified as &#8220;Financial assets at fair value through other comprehensive income&#8221; or &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In contrast, some investments in entities in which the Group holds less than 20% of the voting rights are accounted for as Group associates, as the Group is considered to have the ability to exercise significant influence over these entities. As of December 31, 2022, 2021 and 2020, these entities are not significant to the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Appendix II shows the most significant information related to the associates (see Note 16), which are accounted for using the equity method.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Structured entities</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A structured entity is an entity that has been designed so that voting or similar rights are not the dominant factor in deciding who controls the entity, such as when the voting rights relate to administrative matters only and the relevant activities are directed by means of contractual arrangements (see Glossary).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In those cases where the Group sets up entities or has a holding in such entities, in order to allow its customers access to certain investments, to transfer risks or for other purposes, in accordance with internal criteria and procedures and with applicable regulations, the Group determines whether control over the entity in question actually exists and therefore whether it should be subject to consolidation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Such methods and procedures determine whether there is control by the Group, considering how the decisions are made about the relevant activities, assessing whether the Group has control over the relevant elements, exposure to variable returns from involvement with the investee and the ability to use control over the investee to affect the amount of the investor&#8217;s returns.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"> Structured entities subject to consolidation</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To determine if a structured entity is controlled by the Group, and therefore should be consolidated into the Group, the existing contractual rights (different from the voting rights) are analyzed. For this reason, an analysis of the structure and purpose of each investee is performed and, among others, the following factors will be considered:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Evidence of the current ability to manage the relevant activities of the investee according to the specific business needs (including any decisions that may arise only in particular circumstances).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Potential existence of a special relationship with the investee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Implicit or explicit Group commitments to support the investee.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The ability to use the Group&#180;s power over the investee to affect the amount of the Group&#8217;s returns.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These types of entities include cases where the Group has a high exposure to variable returns and retains decision-making power over the investee, either directly or through an agent. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main structured entities of the Group are the asset securitization funds, to which the BBVA Group transfers loans and advances, and other vehicles, which allow the Group&#8217;s customers to gain access to certain investments or to allow for the transfer of risks or for other purposes (see Appendices I and V). The BBVA Group maintains the decision-making power over the relevant activities of these vehicles and financial support through securitized market standard contracts. The most common ones are: investment positions in equity note tranches, funding through subordinated debt, credit enhancements through derivative instruments or liquidity lines, management rights of defaulted securitized assets, &#8220;clean-up&#8221; call derivatives, and asset repurchase clauses by the grantor. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For these reasons, the loans and receivable portfolios related to the vast majority of the securitizations carried out by the Bank or Group subsidiaries are not derecognized in the books of said entity and the issuances of the related debt securities are recorded as liabilities within the Group&#8217;s consolidated balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For additional information on the accounting treatment for the transfer and derecognition of financial instruments, see Note 2.2.2. &#8220;Transfers and derecognition of financial assets and liabilities&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-consolidated structured entities</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group owns other vehicles also for the purpose of allowing customers access to certain investments, to transfer risks, and for other purposes, but without the Group having control of the vehicles, which are not consolidated in accordance with IFRS 10 &#8211; &#8220;Consolidated Financial Statements&#8221;. The balance of assets and liabilities of these vehicles is not material in relation to the Group&#8217;s Consolidated Financial Statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, there was no material financial support from the Bank or its subsidiaries to unconsolidated structured entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group does not consolidate any of the mutual funds it manages since the necessary control conditions are not met. Particularly, the BBVA Group does not act as arranger but as agent since it operates the mutual funds on behalf and for the benefit of investors or parties (arranger or arrangers) and, for this reason it does not control the mutual funds when exercising its authority for decision making.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The mutual funds managed by the Group are not considered structured entities (generally, retail funds without corporate identity over which investors have participations which gives them ownership of said managed equity). These funds are not dependent on a capital structure that could prevent them from carrying out activities without additional financial support, being in any case insufficient as far as the activities themselves are concerned. Additionally, the risk of the investment is absorbed by the fund participants, and the Group is only exposed when it becomes a participant, and as such, there is no other risk for the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In all cases, the operating results of equity method investees acquired by the BBVA Group in a particular period only include the period from the date of acquisition to the financial statements date. Similarly, the results of entities disposed of during any year only include the period from the start of the year to the date of disposal.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The consolidated financial statements of subsidiaries, associates and joint ventures used in the preparation of the Consolidated Financial Statements of the Group have the same presentation date as the Consolidated Financial Statements. If financial statements at those same dates are not available, the most recent will be used, as long as these are not older than three months, and adjusted to take into account the most significant transactions. As of December 31, 2022, financial statements as of December 31 of all Group entities were utilized except in the case of the consolidated financial statements of five associates deemed non-significant for which financial statements as of November 30, 2022 were used.</span></div>Accounting principles and policies and applied valuation methods<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accounting principles and policies and the valuation methods applied in the preparation of the consolidated financial statements may differ from those used, at the individual level, by some of the entities that are part of the BBVA Group; This is why, in the consolidation process, the necessary adjustments and reclassifications are made to standardize such principles and criteria among themselves and bring them into line with the IFRS-IASB.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In preparing the Consolidated Financial Statements, the following accounting principles and policies and assessment criteria have been applied:</span></div>Financial instruments<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classification and measurement of financial assets and liabilities, the impairment of financial assets and hedge accounting. However, the Group has chosen to continue applying IAS 39 for accounting for hedges as permitted by IFRS 9.</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Classification and measurement of financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Classification of financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other comprehensive income, and measured at fair value through profit or loss.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The classification of financial instruments in the categories of amortized cost or fair value depends on the business model with which the entity manages the assets and the contractual characteristics of the cash flows, commonly known as the "solely payments of principal and interest" criterion (hereinafter the "SPPI").</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assessment of the business model should reflect the way the Group manages groups of financial assets and does not depend on the intention for an individual instrument. Thus, for each entity within the BBVA Group there are different business models for managing assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In order to determine the business model, the following aspects are taken into account:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The way in which the performance of the business model (and that of the assets which comprise such business model) is evaluated and reported to the entity's key personnel;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The risks and their management, which affect the performance of the business model;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The way in which business model managers are remunerated;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The frequency, amount and timing of sales in previous years, the reasons for such sales and expectations regarding future sales.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this sense, the Group has established policies and has developed procedures in each geographical area to determine when the sales of financial assets classified in the amortized cost category are considered infrequent (even when significant), or are insignificant (even when frequent), to ensure compliance with such business model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, it is considered that any sales that may occur because the financial asset is close to maturity, due to an increase in credit risk, or to satisfy liquidity needs, are compatible with the amortized cost model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding the SPPI test, the analysis of the cash flows aims to determine whether the contractual cash flows of the assets correspond only to payments of principal and interest on the principal amount outstanding at the beginning of the transaction. Interest is understood here as the consideration for the time value of money; and for the credit risk associated with the principal amount outstanding during a specific period; and for financing and structure costs, plus a profit margin.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant judgments used by the Group in evaluating compliance with the conditions of the SPPI test are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Modified time value: in the event that a financial asset includes a periodic interest rate adjustment but the frequency of this adjustment does not coincide with the term of the reference interest rate (for example, the interest rate reset every six months to a one-year rate), the Group assesses, at the time of the initial recognition, this mismatch to determine whether the contractual cash flows (undiscounted) differ significantly or not from the cash flows (undiscounted) of a benchmark financial asset, for which there would be no change in the time value of money. The defined tolerance thresholds are 10% for the differences in each period and 5% for the analysis accumulated throughout the financial asset life.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Contractual clauses: The contractual clauses that can modify the calendar or the amount of the contractual cash flows are analyzed to verify if the contractual cash flows that would be generated during the life of the instrument due to the exercise of those clauses are only payments of principal and interest on the principal amount outstanding. To do this, the contractual cash flows that may be generated before and after the modification are analyzed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The main criteria taken into account in the analysis are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Early termination clauses: generally a contractual clause that permits the debtor to prepay a debt instrument before maturity is consistent with SPPI when the prepayment amount substantially represents unpaid amounts of principal and interest on the principal amount outstanding (which may include reasonable additional compensation for the early termination of the contract).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Instruments with an interest rate linked to contingent events:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">An instrument whose interest rate is reset to a higher rate if the debtor misses a particular payment may meet the SPPI criterion because of the relationship between missed payments and an increase in credit risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">An instrument with contractual cash flows that are indexed to the debtor&#8217;s performance &#8211; e.g. net income or is adjusted based on a certain index or stock market value would not meet the SPPI criterion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt">Perpetual instruments: to the extent that they can be considered instruments with continuous (multiple) extension options, they meet the SPPI test if the contractual flows meet it. When the issuer can defer the payment of interest, if such payment would affect their solvency, they would meet the SPPI test if the deferred interest accrues additional interest, while if they do not, they would not meet the test.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-recourse financial instruments: In the case of debt instruments that are repaid primarily with the cash flows of specific assets or projects and the debtor has no legal responsibility, the underlying assets or cash flows are evaluated to determine whether the contractual cash flows of the instrument are consistent with payments of principal and interest on the principal amount outstanding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">If the contractual terms do not give rise to additional cash flows to payments of principal and interest on the amount of principal outstanding or limitations to these payments, the SPPI test is met.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">If the debt instrument effectively represents an investment in the underlying assets and its cash flows are inconsistent with principal and interest (because they depend on the performance of a business), the SPPI test is not met.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Contractually linked instruments: a look-through analysis is carried out in the case of transactions that are set through the issuance of multiple financial instruments forming tranches that create concentrations of credit risk in which there is an order of priority that specifies how the flows of cash generated by the underlying set of financial instruments are allocated to the different tranches. The debt tranches of the instrument will comply with the requirement that their cash flows represent only payment of principal and interest on the outstanding principal if:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">The contractual terms of the tranche being assessed for classification (without looking through to the underlying pool of financial instruments) give rise to cash flows that are solely payments of principal and interest on the principal amount outstanding, </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">The underlying pool of financial instruments comprises instruments with cash flow that are solely payments of principal and interest on the principal amount outstanding, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt">The exposure to credit risk in the underlying pool of financial instruments inherent in the tranche is equal to or lower than the exposure to credit risk of the underlying pool of financial instruments (for example, the credit rating of the tranche being assessed for classification is equal to or higher than the credit rating that would apply to a single tranche that funded the underlying pool of financial instruments).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In any event, the contractual conditions that, at the time of the initial recognition, have a minimal effect on cash flows or depend on the occurrence of exceptional and highly unlikely events do not prevent compliance with the conditions of the SPPI test.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on the above characteristics, financial assets will be classified and valued as described below.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A debt instrument will be classified in the amortized cost portfolio if the two following conditions are fulfilled:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The financial asset is managed within a business model whose purpose is to maintain the financial assets to maturity, to receive contractual cash flows; and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The contractual conditions of the financial asset give rise to cash flows that are only payments of principal and interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two following conditions are fulfilled:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A debt instrument will be classified at fair value with changes in profit and loss provided that the entity's business model for their management or the contractual characteristics of its cash flows do not require classification into one of the portfolios described above.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In general, equity instruments will be measured at fair value through profit or loss. However the Group may make an irrevocable election, at initial recognition to present subsequent changes in the fair value through &#8220;other comprehensive income&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will be reclassified. The change of the objective of the business model should occur before the date of the reclassification.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Measurement of financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All financial instruments are initially recognized at fair value, plus, those transaction costs which are directly attributable to the issue of the particular instrument, with the exception of those financial assets which are classified at fair value through profit or loss. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All changes in the value of financial assets due to the interest accrual and similar items are recorded in the headings "Interest and other income" or "Interest expense", of the consolidated income statement of the year in which the accrual occurred (see Note 37), except for trading derivatives that are not economic and accounting hedges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; and &#8220;Financial assets designated at fair value through profit or loss&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets are recorded under the heading &#8220;Financial assets held for trading&#8221; if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; are derived from a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but its contractual cash flows do not comply with the requirements of the SPPI test. Financial assets are classified in &#8220;Financial assets designated at fair value through profit or loss&#8221; only if it eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from recognizing or measuring such financial assets on different bases. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets recognized under these headings of the consolidated balance sheet are measured upon acquisition at fair value and changes in the fair value (gains or losses and foreign exchange differences) are recognized as their net value, when applicable, under the headings &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#8221; and &#8220;Gains (losses) on financial assets designated at fair value through profit or loss, net&#8221; in the consolidated income statement (see Note 41).</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8221;Financial assets at fair value through other comprehensive income&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Debt instruments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. This category of valuation implies the recognition of the information in the income statement as if it were an instrument valued at amortized cost, while the instrument is valued at fair value in the balance sheet. Thus, both interest income on these instruments and the exchange differences and impairment that arise in their case are recorded in the profit and loss account, while subsequent changes in its fair value (gains or losses) are recognized temporarily (by the amount net of tax effect) under the heading &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income&#8221; in the consolidated balance sheets (see Note 30).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amounts recognized under the headings &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income&#8221; continue to form part of the Group's consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until a loss allowance is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings &#8220;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#8221; in the consolidated income statements (see Note 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The net loss allowances in &#8220;Financial assets at fair value through other comprehensive income&#8221; over the year are recognized under the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification - Financial assets at fair value through other comprehensive income&#8221; (see Note 47) in the consolidated income statement for the year. Interest income on these instruments is recorded in the consolidated profit and loss account (see Note 37). Changes in foreign exchange rates are recognized under the heading &#8220;Exchange differences, net" in the consolidated income statements (see Note 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Equity instruments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the time of initial recognition of specific investments in equity instruments, the BBVA Group may make the irrevocable decision to present subsequent changes in fair value in other comprehensive income. Subsequent changes in this valuation will be recognized in "Accumulated other comprehensive income - Items that will not be reclassified to profit or loss - Fair value changes of equity instruments measured at fair value through other comprehensive income" (see Note 30). Dividends received from these investments are recorded in the heading "Dividend income" in the consolidated income statement (see Note 38). These instruments are not subject to the impairment model of IFRS 9.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial assets at amortized cost&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets under this category are subsequently measured at amortized cost, after initial recognition, using the "effective interest rate" method. In the case of floating rate instruments, including inflation-linked bonds, the periodic updates of cash flows to reflect the movement of interest rates and inflation impact the effective interest rate prospectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Net loss allowances of assets recorded under these headings arising in each year, calculated using the IFRS 9 model, are recognized under the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification &#8211; Financial assets measured at amortized cost&#8221; in the consolidated income statement for such year (see Note 47).</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Classification and measurement of financial liabilities  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Classification of financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial liabilities are classified in the following categories:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial liabilities at amortized cost;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial liabilities that are held for trading, including derivatives, are financial instruments which are recorded in this category when the Group&#8217;s objective is to generate gains by buying and selling these financial instruments or generate short-term results;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Financial liabilities that are designated at fair value through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably, on the initial moment of recognition, a financial liability at fair value through profit or loss provided that doing so results in the elimination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in accordance with a documented risk management or investment strategy.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Measurement of financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial liabilities are initially recorded at fair value, less transaction costs that are directly attributable to the issuance of instruments, except for financial instruments that are classified at fair value through profit or loss.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Variations in the value of financial liabilities due to the interest accrual and similar items are recorded in the headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, of the consolidated income statement for the year in which the accrual occurred (see Note 37), except for trading derivatives that are not economic and accounting hedges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial liabilities.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair value through profit or loss&#8220;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The subsequent changes in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the headings &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221; and &#8220;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#8221; in the consolidated income statements (see Note 41). The changes in the own credit risk of the liabilities designated under the fair value option is presented in &#8220;Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk&#8221;, unless this treatment brings about or increases an asymmetry in the income statement. Changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &#8220;Exchange differences, net&#8221; in the consolidated income statements (Note 41).</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">&#8220;Financial liabilities at amortized cost&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The liabilities under this category are subsequently measured at amortized cost, using the &#8220;effective interest rate&#8221; method.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Hybrid financial liabilities</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When a financial liability contains an embedded derivative, the Group analyzes whether the economic characteristics and risks of the embedded derivative and the host instrument are closely related.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If the characteristics and risks of the host and the derivative are closely related, the instrument as a whole will be classified and measured according to the general rules for financial liabilities. If, on the other hand, the economic characteristics and risks of the embedded derivative are not closely related to the economic characteristics and risks of the host, its terms meet the definition of a derivative and the hybrid contract is not measured at fair value with changes in fair value recognized in profit or loss, the embedded derivative shall be separated from the host and accounted for as a derivative separately at fair value with changes in profit and loss and the host instrument classified and measured according to its nature.</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">&#8220;Derivatives-Hedge Accounting&#8221; and &#8220;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&#8221;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group uses financial derivatives as a tool for managing financial risks, mainly interest rates and exchange rates (See Note 7).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When these transactions meet certain requirements, they are considered "hedging instruments".</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Hedging financial derivatives are used to hedge changes in the value of assets and liabilities, changes in cash flows, or the net investment in a foreign business. Fair value hedging is established for fixed rate financial instruments, and cash flow hedges are used for variable rate financial instruments. The Group also carries out exchange risk hedging operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Hedging accounting follows IAS 39, and the effectiveness of hedges is evaluated both retrospectively and prospectively, so that they remain within a range between 80% and 125%. The ineffectiveness of hedges, defined as the difference between the change in value of the hedging instrument and the hedged item in each period, attributable to the hedged risk, is recognized in the income statement. This includes both the amount of the ineffectiveness of the hedges established to manage interest rate risk in the period, as well as the ineffectiveness of the hedges established to manage exchange risk, which is mainly attributable to the temporary value of hedges established to manage exchange rate risk (see Notes 15 and 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedged risk are recognized under the heading &#8220;Gains (losses) from hedge accounting, net&#8221; in the consolidated income statement, with a corresponding offset under the headings where hedging items ("Hedging derivatives") and the hedged items are recognized, as applicable, except for interest-rate risks hedges (which are almost all of the hedges used by the Group), for which the valuation changes are recognized under the headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, as appropriate, in the consolidated income statement (see Note 37).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gains or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income statement, with the corresponding offset on the headings &#8220;Derivatives-Hedge Accounting&#8221; and the gains or losses that arise from the change in the fair value of the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both cases under the heading &#8220;Gains (losses) from hedge accounting, net&#8221;, using, as a corresponding offset, the headings "Fair value changes of the hedged items in portfolio hedges of interest rate risk" in the consolidated balance sheets, as applicable).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion is recognized temporarily under the heading &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges (effective portion)&#8221; in the consolidated balance sheets, with a corresponding offset under the heading &#8220;Hedging derivatives&#8221; of the assets or liabilities of the consolidated balance sheets as applicable. These differences are recognized in the consolidated income statement at the time the gains or losses of the hedged item are recorded in the income statement, at the time the forecast transaction is executed or at the maturity date of the hedged item. Almost all of the cash flow hedges carried out by the Group relate to interest rate risk and inflation risk of financial instruments, so their valuation changes are recognized under the heading "Interest and other income" or "Interest expense&#8221; in the consolidated income statement (see Note 37).  </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The changes in value of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &#8220;Gains (losses) from hedge accounting, net&#8221; in the consolidated income statement (see Note 41).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">In hedges of net investments in foreign businesses, the valuation changes attributable to the effective portions of hedging items are recognized temporarily under the heading "Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss &#8211; Hedging of net investments in foreign operations (effective portion)" in the consolidated balance sheets with a corresponding offset under the heading &#8220;Hedging derivatives&#8221; of the assets or liabilities of the consolidated balance sheets, as applicable. These valuation changes will be recognized in the consolidated income statement when the investment in a foreign business is disposed of or derecognized (see Note 41).</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Loss allowances on financial assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The &#8220;expected losses&#8221; impairment model is applied to financial assets valued at amortized cost, debt instruments valued at fair value with changes in accumulated other comprehensive income, financial guarantee contracts and other commitments. All financial instruments valued at fair value through profit or loss are excluded from the impairment model.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition and which establish the calculation of the credit risk allowance. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:13.56pt">Stage 1&#8211; without significant increase in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to the expected credit loss that arises from all possible default events within 12 months following the presentation date of the financial statements (12 month expected credit losses).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:13.56pt">Stage 2&#8211; significant increases in credit risk</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the credit risk of a financial asset has increased significantly since the initial recognition, the loss allowances of that financial instrument is calculated as the expected credit loss during the entire life of the asset. That is, they are the expected credit losses that result from all possible default events during the expected life of the financial instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:13.56pt">Stage 3 &#8211; Impaired</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When there is objective evidence that the instrument is credit-impaired, the financial asset is transferred to this category in which the provision for losses of that financial instrument is calculated, as in stage 2, as the expected credit loss during the entire life of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the recovery of any recognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt, the debt is forgiven, or other reasons.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has applied the following definitions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Credit-impaired asset</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">An asset is credit-impaired (stage 3) if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Historically, the definition of credit-impaired asset under IFRS 9 has been substantially aligned with the definition of default used by the Group for internal credit risk management, which is also the definition used for regulatory purposes. In 2021 the Group updated its definition of default to conform to that set forth in the European Banking Authority (hereinafter EBA) Guidelines, in compliance with article 178 of Regulation (EU) No 575/2013 (CRR). The Group consequently updated the definition of credit-impaired asset (stage 3), considering it a change in accounting estimates, re-establishing the consistency with the definition of default and guaranteeing the integration of both definitions in credit risk management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The determination of an asset as impaired and its classification in stage 3 is based exclusively on the risk of default, without considering the effects of credit risk mitigating measures such as guarantees and collaterals. Specifically, the following financial assets are classified in stage 3:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Impaired assets for objective reasons or delinquency: when there are unpaid amounts of principal or interest for more than 90 days.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to IFRS 9, the 90-days past due default is a presumption that can be rebutted in those cases where the entity considers, based on reasonable and supportable information, that it is appropriate to use a longer term. As of December 31, 2022, the Group has not used terms exceeding 90 days past due.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:14.6pt">Impaired assets for subjective reasons (other than delinquency): when circumstances are identified that show, even in the absence of defaults, that it is not probable that the debtor will fully comply with its financial obligations. For this purpose, the following indicators are considered, among others:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"> Significant financial difficulties of the issuer or the borrower.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Granting by the lender or lenders to the borrower, for economic or contractual reasons related to the latter's financial difficulties, of concessions or advantages that they would not have otherwise granted.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Breach of contractual clauses, such as events of default or default.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Increasing probability that the borrower will go into bankruptcy or some other situation of financial reorganization.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Disappearance of an active market for the financial asset due to financial difficulties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Others that may affect the committed cash flows such as the loss of the debtor's license or that it has committed fraud.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Generalized delay in payments. In any case, this circumstance exists when, during a continuous period of 90 days prior to the reporting date, a material amount has remained unpaid.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt">Sales of credit exposures of a client with a significant economic loss will imply that the rest of its operations are considered impaired.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Relating to the granting of concessions due to financial difficulties, it is considered that there is an indicator of unlikeliness to pay, and therefore the client must be considered impaired, when the refinancing or restructuring measures may result in a diminished financial obligation caused by a forgiveness or material deferral of principal, interest or fees. Specifically, unless proven otherwise, transactions that meet any of the following criteria will be reclassified to the category of impaired assets:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Irregular repayment schedule.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt">Contractual clauses that delay the repayment of the loan through regular payments. Among others, grace periods of more than two years for the amortization of the principal will be considered clauses with these characteristics.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt">Amounts of principal or interest written off from the balance sheet as its recovery is considered remote.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In any case, a restructuring will be considered impaired when the reduction in the net present value of the financial obligation is greater than 1%, in accordance with the management criteria introduced during 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Credit risk management for wholesale counterparties is carried out at the customer (or group) level. For this reason, the classification of any of a client's material exposures as impaired, whether due to more than 90 days of default or due to any of the subjective criteria, implies the classification as impaired of all the client's exposures. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Regarding retail clients, which are managed at the individual loan level, the scoring systems review their score, among other factors, in the event of a breach in any of their operations or incurring generalized delays in payments, which also triggers the necessary recovery actions. Among them are the refinancing measures that, where appropriate, may lead to all the client's operations being considered impaired. Furthermore, given the granularity of the retail portfolios, the differential behavior of these clients in relation to their products and collateral provided, as well as the time necessary to find the best solution, the Group has established as an indicator that when a transaction of a retail client is in default in excess of 90 days or shows a general delay in payments and this represents more than 20% of the client's total balance, all its transactions are considered impaired.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When operations by entities related to the client fall into stage 3, including both entities of the same group and those with which there is a relationship of economic or financial dependence, the transactions of the holder will also be classified as stage 3 if after the analysis it is concluded that there are reasonable doubts about the full payment of the loans.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The stage 3 classification will be maintained for a cure period of 3 months from the disappearance of all indicators of impairment during which the client must demonstrate good payment behavior and an improvement in their credit quality in order to corroborate the disappearance of the causes that motivated the classification of the debt as impaired. In the case of refinancing and restructuring, the cure period is one year (see Note 7.2.7 for more details).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These criteria are aligned in all the geographical areas of the Group, maintaining only minor differences to facilitate the integration of management at the local level.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Significant increase in credit risk </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The objective of the impairment requirements is to recognize lifetime expected credit losses for financial instruments for which there have been significant increases in credit risk since initial recognition considering all reasonable and supportable information, including that which is forward-looking. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The model developed by the Group for assessing the significant increase in credit risk has a two-prong approach that is applied globally (for more detail on the methodology used, see Note 7.2.1):</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected probability of default over the life of the transaction with the original adjusted expected probability of default, so that both values are comparable in terms of expected default probability for their residual life. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Qualitative criterion: most indicators for detecting significant risk increase are included in the Group's systems through rating and scoring systems or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group uses additional qualitative criteria to identify significant increase in credit risk and thus, to include circumstances that are not reflected in the rating/score systems or macroeconomic scenarios used. Such qualitative criteria are the following:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can be rebutted in those cases in which the entity considers, based on reasonable and documented information, that such non-payment does not represent a significant increase in risk. As of December 31, 2022, the Group has not considered periods higher than 30 days.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Watch List: They are subject to special watch by the Risk units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Refinance or restructuring that does not show evidence of impairment, or that, having been previously identified, the existence of significant increase in credit risk may still exist.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Although the standard introduces a series of operational simplifications, also known as practical solutions, for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related to certain government institutions and bodies, the standard allows for considering that their credit risk has not increased significantly because they have a low credit risk at the presentation date. This possibility is limited to those financial instruments that are classified as having high credit quality and high liquidity to comply with the liquidity coverage ratio (hereinafter, "LCR"). This does not prevent these assets from being assigned the credit risk coverage that corresponds to their classification as stage 1 based on their credit rating and macroeconomic expectations.</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Method for calculating Expected Credit Loss (ECL)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Method for calculating expected loss</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The measurement of expected losses must reflect:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A considered and unbiased amount, determined by evaluating a range of possible results;</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The time value of money, and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Expected losses are measured both individually and collectively.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The individualized estimate of credit losses results from calculating the difference between the expected cash flows discounted at the effective interest rate of the transaction and the carrying amount of the instrument (see Note 7.2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the collective measurement of expected losses the instruments are classified into groups of assets based on their risk characteristics. Exposure within each group is grouped according to credit risk common characteristics, which indicate the payment capacity of the borrower according to the contractual conditions. These risk characteristics have to be relevant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors (see Note 7.2.1):</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Type of instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Rating or scoring tools.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Credit risk scoring or rating.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Type of collateral.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Amount of time at default for stage 3.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Qualitative criteria which can have a significant increase in risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Collateral value if it has an impact on the probability of a default event.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The estimated losses are derived from the following parameters:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">PD: estimate of the probability of default in each period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the closing date of the financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">LGD: estimate of the loss in case of default, calculated as the difference between the contractual cash flows and receivables, including guarantees. For these purposes, the probability of executing the guarantee, the moment until its ownership and subsequent realization are achieved, the expected cash flows and the acquisition and sale costs, are considered in the estimation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">CCF: cash conversion factor is the estimate made on off-balance sheet contractual arrangements to determine the exposure subject to credit risk in the event of a default.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the BBVA Group, the calculated expected credit losses are based on internal models developed for all portfolios within the IFRS 9 scope, except for the cases that are subject to individual analysis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The calculation and recognition of expected credit losses includes exposures with governments and credit institutions, for which, despite having a reduced number of defaults in the information databases, internal models have been developed, considering, as sources of information, the data provided by external rating agencies or other observed in the market, such as changes in bond yields, prices of credit default swaps or any other public information on them.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Use of present, past and future information</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure expected loss, which must be carried out on a weighted probability basis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The standard does not require identification of all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very low. To achieve this, the Group generally evaluates the linear relationship between its estimated loss parameters (PD, LGD and EAD) with the historical and future forecasts of the macroeconomic scenarios. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, when there is no linear relation between the different future economic scenarios and their associated expected losses, more than one future economic scenario must be used for the measurement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The approach taken by the Group consists of using a methodology based on the use of three scenarios. The first is the most probable scenario (base scenario) that is consistent with that used in the Group's internal management processes, and two additional ones, one more positive and the other more negative. The combined outcome of these three scenarios is calculated considering the weight given to each of them. The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are the Gross Domestic Product (GDP), the real estate price index, interest rates and the unemployment rate. The main goal of the Group's approach is seeking the greatest predictive capacity with respect to the first two variables (see Note 7.2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Derecognition of the balance due to impairment on financial assets (write-offs)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Debt instruments are classified as written-off once, after being analyzed, it is reasonably considered that their recovery is remote due to the notorious and irrecoverable deterioration of the solvency of the holder of the operation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Based on their procedures and particularities, the Group entities recognize operations as a write-off where, following their analysis, there are no reasonable expectations of recovery of the debt, taking into account aspects such as: the time elapsed since the classification as doubtful operations due to delinquency, the coverage levels achieved, type of portfolio or product, bankruptcy status of the holder and the existence of guarantees, their valuation and execution capacity. In those cases where the guarantee is significant, there is the possibility of making partial write-offs on the non-guaranteed portion.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The classification of an operation as written-off, entails the recognition of losses for the carrying amount of the related debt and results in a derecognition in the same amount from the balance sheet (see Note 7.2.5).</span></div>Transfers and derecognition of financial assets and liabilities <div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accounting treatment of transfers of financial assets is determined by the form in which risks and benefits associated with the financial assets involved are transferred to third parties. Financial assets are only derecognized from the consolidated balance sheet when the cash flows that they generate are extinguished, when their implicit risks and benefits have been substantially transferred to third parties or when the control of financial asset is transferred even in case of no physical transfer or substantial retention of such assets. In the latter case, the financial asset transferred is derecognized from the consolidated balance sheet, and any right or obligation retained or created as a result of the transfer is simultaneously recognized.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Similarly, financial liabilities are derecognized from the consolidated balance sheet only if their obligations are extinguished or acquired (with a view to subsequent cancellation or renewed placement).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group is considered to have transferred substantially all the risks and benefits if such risks and benefits account for the majority of the risks and benefits involved in ownership of the transferred financial assets. If substantially all the risks and benefits associated with the transferred financial asset are retained:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The transferred financial asset is not derecognized from the consolidated balance sheet and continues to be measured using the same criteria as those used before the transfer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">A financial liability is recognized at the amount equal to the amount received, which is subsequently measured at amortized cost or fair value with changes in the income statement, whichever the case.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Both the income generated on the transferred (but not derecognized) financial asset and the expense of the new financial liability continue to be recognized.</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Treatment of securitizations</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The securitizations funds to which the Group entities transfer their credit portfolios are consolidated entities of the Group. For more information, refer to Note 2.1 &#8220;Principles of consolidation&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group considers that the risks and benefits of the securitizations are substantially retained if the subordinated bonds are held and/ or if subordination funding has been granted to those securitization funds, which means that the credit loss risk of the securitized assets will be assumed. Consequently, the Group is not derecognizing those transferred loan portfolios.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Synthetic securitizations are transactions where risk is transferred through derivatives or financial guarantees and in which the exposure of these securitizations remains in the balance sheet of the Group. The Group has established the synthetic securitizations through received financial guarantees. As for the commissions paid, they are accrued during the term of the financial guarantee.</span></div>Financial guarantees<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial guarantees are considered to be those contracts that require their issuer to make specific payments to reimburse the holder of the financial guarantee for a loss incurred when a specific borrower breaches its payment obligations on the terms &#8211; whether original or subsequently modified &#8211; of a debt instrument, irrespective of the legal form it may take. Financial guarantees may take the form of a deposit, bank guarantee, insurance contract or credit derivative, among others.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In their initial recognition, financial guarantees are recognized as liabilities in the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and the Group simultaneously recognizes a corresponding asset in the consolidated balance sheet for the amount of the fees and commissions received at the inception of the transactions and the amounts receivable at the present value of the fees, commissions and interest outstanding.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial guarantees, irrespective of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required for them. The credit risk is determined by application of criteria similar to those established for quantifying loss allowances on debt instruments measured at amortized cost (see Note 2.2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The provisions recognized for financial guarantees are recognized under the heading &#8220;Provisions - Provisions for contingent risks and commitments&#8221; on the liability side in the consolidated balance sheets (see Note 24). These provisions are recognized and reversed with a charge or credit, respectively to &#8220;Provisions or reversal of provision&#8221; in the consolidated income statements (see Note 46).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Income from financial guarantees is recorded under the heading &#8220;Fee and commission income&#8221; in the consolidated income statement and is calculated by applying the rate established in the related contract to the nominal amount of the guarantee (see Note 40).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Synthetic securitizations made by the Group to date meet the requirements of the accounting regulations for accounting as guarantees.</span></div>Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale    <div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in the consolidated balance sheet includes the carrying amount of individual items or items integrated in a group ("disposal group") or that form part of a significant business line or geographical area that is intended to be disposed of (&#8220;discontinued operation&#8221;) whose sale is highly probable to take place under the current conditions within a period of one year from the date to which the financial statements refer. Additionally, assets that were expected to be disposed of within a year but which disposal is delayed due to events and circumstances beyond the control of the Group can be classified as held for sale (see Note 21).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Symmetrically, the heading &#8220;Liabilities included in disposal groups classified as held for sale&#8221; in the consolidated balance sheet reflects the balances payable arising from disposal groups and discontinued operations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With respect to the subsidiaries of the BBVA Group, the heading "Non-current assets and disposal groups classified as held for sale" includes the assets received by the subsidiaries for the satisfaction, in whole or in part, of the payment obligations of their debtors (foreclosed or received in payment of debt or recoveries from financial leasing transactions, unless the Group has decided to make continued use of those assets). The BBVA Group has specific units focused on real estate management and sale of these types of assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Non-current assets and disposal groups classified as held for sale are measured, at the acquisition date and at any later date deemed necessary, at either their carrying amount or the fair value of the property (less costs to sell), whichever is lower. An impairment or reversal of impairment for the difference is recognized if applicable. When the amount of the sale less estimated costs of sale is higher than the carrying value, the gain is not recognized until the moment of disposal and derecognition from the balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Non-current assets and disposal groups classified as held for sale are not depreciated while included under the heading &#8220;Non-current assets and disposal groups classified as held for sale&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the case of real estate assets foreclosed or received in payment of debts, they are initially recognized at the lower of: the restated carrying amount of the financial asset and the fair value at the time of the foreclosure or receipt of the asset less estimated sales costs. The carrying amount of the financial asset is updated at the time of the foreclosure, treating the real property received as a secured collateral and taking into account the credit risk coverage that would correspond to it according to its classification prior to the delivery. For these purposes, the collateral will be valued at its current fair value (less sale costs) at the time of foreclosure. This carrying amount will be compared with the previous carrying amount and the difference will be recognized as a provision increase, if applicable. On the other hand, the fair value of the foreclosed assets is based mainly on appraisals or valuations carried out by independent experts on an annual basis or more frequently if there are indications of impairment by appraisal, evaluating the need to apply a discount on the asset derived from the specific conditions of the asset or the market situation for these assets and in any case, deducting the company&#8217;s estimated sale costs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Gains and losses generated on the disposal of assets and liabilities classified as non-current held for sale, and liabilities included in disposal groups classified as held for sale as well as impairment losses and, where pertinent, the related recoveries, are recognized in &#8220;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#8221; in the consolidated income statement (see Note 50). The remaining income and expense items associated with these assets and liabilities are classified in the consolidated income statement according to their nature.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Income and expense for discontinued operations, whatever their nature, generated during the year, even if they have occurred before their classification as discontinued operations, are presented net of the tax effect as a single amount under the heading &#8220;Profit (loss) after tax from discontinued operations&#8221; in the consolidated income statement (see Notes 3 and 21). This heading includes the earnings from their sale or other disposal (net of tax effects).</span></div>Tangible Assets<div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Property, plant and equipment for own use</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This heading includes the assets under ownership or acquired under lease terms (right to use), intended for future or current use by the BBVA Group and that it expects to hold for more than one year. It also includes tangible assets received by the consolidated entities in full or partial settlement of financial assets representing receivables from third parties which are expected to be held for continuing use.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For more information regarding the accounting treatment of right to use assets under lease terms, see Note 2.2.18 "Leases".</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Property, plant and equipment for own use are presented in the consolidated balance sheets at acquisition cost, less any accumulated depreciation and, where appropriate, any estimated impairment losses resulting from comparing the net carrying amount of each item with its corresponding recoverable amount (see Note 17).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Depreciation is calculated using the straight-line method, during the useful life of the asset, on the basis of the acquisition cost of the assets less their residual value; the land is considered to have an indefinite life and is therefore not depreciated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The tangible asset depreciation charges are recognized in the consolidated income statements under the heading "Depreciation and Amortization" (see Note 45) and are based on the application of the following depreciation rates (determined on the basis of the average years of estimated useful life of the various assets):</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"/><td style="width:46.049%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:51.751%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Depreciation rates for tangible assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Type of assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annual Percentage</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Buildings for own use</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1% - 4%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Furniture</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8% - 10%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixtures</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6% - 12%</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Office supplies and hardware</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8% - 25%</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease use rights</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The lesser of the lease term or the useful life of the underlying asset</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At each reporting date, the Group entities analyze whether there are internal or external indicators that a tangible asset may be impaired. When there is evidence of impairment, the Group analyzes whether this impairment actually exists by comparing the asset&#8217;s net carrying amount with its recoverable amount (defined as the higher between its recoverable amount less disposal costs and its value in use). When the carrying amount exceeds the recoverable amount, the carrying amount is written down to the recoverable amount and depreciation charges going forward are adjusted to reflect the asset&#8217;s remaining useful life.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Similarly, if there is any indication that the value of a previously impaired tangible asset is now recoverable, the consolidated entities will estimate the recoverable amounts of the asset and recognize it in the consolidated income statement, recording the reversal of the impairment loss recognized in previous years and thus adjusting future depreciation charges. Under no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognized in prior years.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the BBVA Group, most of the buildings held for own use are assigned to the different Cash Generating Units (CGU) to which they belong. The corresponding impairment analyses are performed for these CGU to check whether sufficient cash flows are generated to support the value of the assets comprised within.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Operating and maintenance expense relating to tangible assets held for own use are recognized as an expense in the year they are incurred and recognized in the consolidated income statements under the heading "Administration costs - Other administrative expense - Property, fixtures and materials" (see Note 44.2).</span></div><div style="text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Other assets leased out under an operating lease</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The criteria used to recognize the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognize the impairment losses on them, are the same as those described in relation to tangible assets for own use.</span></div><div style="text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Investment properties</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Tangible assets - Investment properties&#8221; in the consolidated balance sheets reflects the net values (purchase cost minus the corresponding accumulated depreciation and, if appropriate, estimated impairment losses) of the land, buildings and other structures that are held either to earn rental income or for capital appreciation through sale and that are neither expected to be sold off in the ordinary course of business nor are destined for own use (see Note 17).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The criteria used to recognize the acquisition cost of investment properties, calculate their depreciation and their respective estimated useful lives, and recognize the impairment losses on them, are the same as those described in relation to tangible assets held for own use.</span></div>Business combinations<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">A business combination is a transaction, or any other deal, by which the Group obtains control of one or more businesses. It is accounted for by applying the &#8220;acquisition method&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to this method, the acquirer has to recognize the assets acquired and the liabilities and contingent liabilities assumed, including those that the acquired entity had not recognized in the accounts. The method involves the measurement of the consideration received for the business combination and its allocation to the assets, liabilities and contingent liabilities measured according to their fair value, at the purchase date, as well as the recognition of any non-controlling participation (minority interests) that may arise from the transaction.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In a business combination achieved in stages, in which the Group starts with an investment, an associate (investee) or a joint venture, the acquirer shall measure its previously held equity interest in the acquiree at its acquisition-date fair value and recognize the resulting gain or loss, if any, in profit or loss under the heading &#8220;Gains (losses) on derecognition of non-financial assets and subsidiaries, net&#8221; of the consolidated income statements. In prior reporting periods, the acquirer may have recognized changes in the value of its equity interest in the acquiree. If so, the amount that was recognized in the consolidated financial statements shall be recorded on the same basis as would be required if the acquirer had disposed directly of the previously held equity interest.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, the acquirer shall recognize an asset in the consolidated balance sheet under the heading &#8220;Intangible asset - Goodwill&#8221; if on the acquisition date there is a positive difference between:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">the sum of the consideration transferred, the amount of all the non-controlling interests and the fair value of stock previously held in the acquired business; and </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">the net fair value of the assets acquired and liabilities assumed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If this difference is negative, it shall be recognized directly in the income statement under the heading &#8220;Negative goodwill recognized in profit or loss&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Non-controlling interests in the acquired entity may be measured in two ways: either at their fair value; or at the proportional percentage of net assets identified in the acquired entity. The method of valuing non-controlling interest may be elected in each business combination. BBVA Group has always elected the second method.</span></div>Intangible assets<div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Goodwill</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Goodwill represents a portion of consideration transferred in advance by the acquiring entity for the future economic benefits from assets that cannot be individually identified and separately recognized in a business combination. Goodwill is never amortized. It is subject periodically to an impairment analysis, and is written down if there has been impairment (see Note 18).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Goodwill is assigned to one or more CGU that expect to be the beneficiaries of the synergies derived from the business combinations. The CGU represent the Group&#8217;s smallest identifiable asset groups that generate cash flows for the Group and that are largely independent of the flows generated from the Group&#8217;s other assets or groups of assets. Each unit or units to which goodwill is allocated:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Is the lowest level at which the entity manages goodwill internally.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Is not larger than an operating segment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The CGU to which goodwill has been allocated are tested for impairment (including the allocated goodwill in their carrying amount). This analysis is performed at least annually or more frequently if there is any indication of impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">For the purpose of determining the impairment of a CGU to which a part of goodwill has been allocated, the carrying amount of that CGU, adjusted by the theoretical amount of the goodwill attributable to the non-controlling interests, in the event they are not valued at fair value, is compared with its recoverable amount. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The recoverable amount of a CGU is equal to the fair value less sale costs or its value in use, whichever is greater. Value in use is calculated as the discounted value of the cash flow projections that the unit&#8217;s management estimates and is based on the latest budgets approved for the coming years. The main assumptions used in its calculation are: a growth rate to extrapolate the cash flows indefinitely, and the discount rate used to discount the cash flows, which is equal to the cost of the capital assigned to each CGU, and equivalent to the sum of the risk-free rate plus a risk premium inherent to the CGU being evaluated for impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss; the resulting loss is apportioned by reducing, first, the carrying amount of the goodwill allocated to that unit and, second, if there are still impairment losses remaining to be recognized, the carrying amount of the remainder of the assets. This is done by allocating the remaining loss in proportion to the carrying amount of each of the assets in the unit. In the event the non-controlling interests are measured at fair value, the deterioration of goodwill attributable to non-controlling interests will be recognized. In any case, an impairment loss recognized for goodwill shall not be reversed in a subsequent period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Goodwill impairment losses are recognized under the heading "Impairment or reversal of impairment on non-financial assets &#8211; Intangible assets&#8221; (see Note 49).</span></div><div style="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Other intangible assets</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These assets may have an indefinite useful life if, based on an analysis of all relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash flows for the consolidated entities. In all other cases they have a finite useful life (see Note 18.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Intangible assets with a finite useful life are amortized according to the duration of this useful life, using methods similar to those used to depreciate tangible assets. The defined useful life intangible asset is made up mainly of IT applications acquisition costs which have a useful life of 3 to 5 years. The amortization charge of these assets is recognized in the consolidated income statements under the heading "Depreciation and amortization" (see Note 45).</span></div>The consolidated entities recognize any impairment losses on the carrying amount of these assets with a charge to the heading &#8220;Impairment or reversal of impairment on non-financial assets- Intangible assets&#8221; in the consolidated income statements (see Note 49). The criteria used to recognize the impairment losses on these assets and, where applicable, the recovery of impairment losses recognized in prior years, are similar to those used for tangible assets.Insurance and reinsurance contracts<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets and liabilities of the BBVA Group&#8217;s insurance subsidiaries are recognized according to their nature under the corresponding headings of the consolidated balance sheet.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Insurance and reinsurance assets&#8221; in the consolidated balance sheets includes the amounts that the consolidated insurance subsidiaries are entitled to receive under the reinsurance contracts entered into by them with third parties and, more specifically, the reinsurer&#180;s share of the technical provisions recognized by the consolidated insurance subsidiaries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets includes the technical provisions for direct insurance and inward reinsurance recognized by the consolidated insurance subsidiaries to cover claims arising from insurance contracts open at period-end (see Note 23).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The income or expense reported by the BBVA Group&#8217;s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the corresponding items of the consolidated income statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The consolidated insurance entities of the BBVA Group recognize the amounts of the premiums written and a charge for the estimated cost of the claims that will be incurred at their final settlement to their consolidated income statements. At the close of each year the amounts collected and unearned, as well as the costs incurred and unpaid, are accrued.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant provisions recorded by consolidated insurance entities with respect to insurance policies issued by them are set out by their nature in Note 23.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to the type of product, the provisions may be as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Life insurance provisions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Represents the value of the net obligations undertaken with the life insurance policyholder. These provisions include:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Provisions for unearned premiums. These are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated to the period from year-end to the end of the insurance policy period. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Mathematical reserves: Represents the value of the life insurance obligations of the insurance entities at year-end, net of the policyholder&#8217;s obligations, arising from life insurance contracted.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-life insurance provisions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Provisions for unearned premiums. These provisions are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated to the period between the year-end and the end of the policy period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Provisions for unexpired risks: The provision for unexpired risks supplements the provision for unearned premiums by the amount by which that provision is not sufficient to reflect the assessed risks and expenses to be covered by the consolidated insurance subsidiaries in the policy period not elapsed at year-end.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Provision for claims:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This reflects the total amount of the outstanding obligations arising from claims incurred prior to year-end. Insurance subsidiaries calculate this provision as the difference between the total estimated or certain cost of the claims not yet reported, settled or paid, and the total amounts already paid in relation to these claims. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Provision for bonuses and rebates:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This provision includes the amount of the bonuses accruing to policyholders, insurees or beneficiaries and the premiums to be returned to policyholders or insurees, as the case may be, based on the behavior of the risk insured, to the extent that such amounts have not been individually assigned to each of them.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Technical provisions for reinsurance ceded:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Calculated by applying the criteria indicated above for direct insurance, taking account of the assignment conditions established in the open reinsurance contracts.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Other technical provisions:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Insurance entities have recognized provisions to cover the probable mismatches in the market reinvestment interest rates with respect to those used in the valuation of the technical provisions.</span></div>Tax assets and liabilities<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Expenses on corporate income tax applicable to the BBVA Group&#8217;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized in the consolidated income statement, except when they result from transactions on which the profits or losses are recognized directly in equity, in which case the related tax effect is also recognized in equity. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The total corporate income tax expense is calculated by aggregating the current tax arising from the application of the corresponding tax rate as per the tax base for the year (after deducting the tax credits or discounts allowable for tax purposes) and the change in deferred tax assets and liabilities recognized in the consolidated income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Deferred tax assets and liabilities include temporary differences, defined as the amounts to be payable or recoverable in future years arising from the differences between the carrying amount of assets and liabilities and their tax bases (the &#8220;tax value&#8221;), and tax loss and tax credit or discount carry forwards. These amounts are calculated by applying to each temporary difference the tax rates that are expected to apply when the asset is realized or the liability settled (see Note 19).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The "Tax Assets" line item in the consolidated balance sheets includes the amount of all the assets of a tax nature, broken down into: "Current&#8221; (amounts of tax recoverable in the next twelve months) and "Deferred" (which includes the amount of tax to be recovered in future years, including those arising from tax losses or credits for deductions or rebates that can be compensated). The "Tax Liabilities" line item in the consolidated balance sheets includes the amount of all the liabilities of a tax nature, except for provisions for taxes, broken down into: "Current&#8221; (income tax payable on taxable profit for the year and other taxes payable in the next twelve months) and "Deferred" (the amount of corporate tax payable in subsequent years).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Deferred tax liabilities attributable to taxable temporary differences associated with investments in subsidiaries, associates or joint venture entities are recognized as such, except where the Group can control the timing of the reversal of the temporary difference and it is unlikely that it will reverse in the future. Deferred tax assets are recognized to the extent that it is probable that the consolidated entities will generate enough taxable profits to make deferred tax assets effective and do not correspond to those from initial recognition (except in the case of business combinations), which also does not affect the fiscal outcome.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The deferred tax assets and liabilities recognized are reassessed by the consolidated entities at each balance sheet date in order to ascertain whether they still qualify as deferred tax assets and liabilities, and the appropriate adjustments are made on the basis of the findings of the analyses performed. In those circumstances in which it is unclear how a specific requirement of the tax law applies to a particular transaction or circumstance, and the acceptability of the definitive tax treatment depends on the decisions taken by the relevant taxation authority in future, the entity recognizes current and deferred tax liabilities and assets considering whether it is probable or not that a taxation authority will accept an uncertain tax treatment. Thus, if the entity concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the entity uses the amount expected to be paid to (recovered from) the taxation authorities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The income and expense directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.</span></div>Provisions, contingent assets and contingent liabilities<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The heading &#8220;Provisions&#8221; in the consolidated balance sheets includes amounts recognized to cover the BBVA Group&#8217;s current obligations arising as a result of past events. These are certain in terms of nature but uncertain in terms of amount and/or settlement date. The settlement of these obligations is deemed likely to entail an outflow of resources embodying economic benefits (see Note 24). The obligations may arise in connection with legal or contractual provisions, valid expectations formed by Group entities relative to third parties in relation to the assumption of certain responsibilities or through virtually certain developments of particular aspects of the regulations applicable to the operation of the entities; and, specifically, future legislation to which the Group will certainly be subject. The provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">They represent a current obligation that has arisen from a past event. At the date of the Consolidated Financial Statements, there is more probability that the obligation will have to be met than that it will not.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">It is probable that an outflow of resources embodying economic benefits will be required to settle the obligation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The amount of the obligation can be reasonably estimated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Among other items, these provisions include the commitments made to employees by some of the Group entities mentioned in Note 2.2.11, as well as provisions for tax and legal litigation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Contingent assets are possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of events beyond the control of the Group. Contingent assets are not recognized in the consolidated balance sheet or in the consolidated income statement; however, they will be disclosed, should they exist, in the Notes to the Consolidated Financial Statements, provided that it is probable they will give rise to an increase in resources embodying economic benefits (see Note 34).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Contingent liabilities are possible obligations of the Group that arise from past events and whose existence is conditional on the occurrence or non-occurrence of one or more future events beyond the control of the Group. They also include the existing obligations of the Group when it is not probable that an outflow of resources embodying economic benefits will be required to settle them; or when, in extremely rare cases, their amount cannot be measured with sufficient reliability. </span></div>Contingent liabilities are not recognized in the consolidated balance sheet or the income statement (excluding contingent liabilities from business combinations) but are disclosed in the Notes to the Consolidated Financial Statements, unless the possibility of an outflow of resources embodying economic benefits is remote.Pensions and other post-employment commitments <div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below we provide a description of the most significant accounting policies relating to post-employment and other employee benefit commitments assumed by BBVA Group entities (see Note 25).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Short-term employee benefits</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity&#180;s accounts. These include wages and salaries, social security charges and other personnel expense.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Costs are charged and recognized under the heading &#8220;Administration costs &#8211; Personnel expense &#8211; Other personnel expense&#8221; of the consolidated income statement (see Note 44.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Post-employment benefits &#8211; Defined-contribution plans</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group sponsors defined-contribution plans for the majority of its active employees. The amount of these benefits is established as a percentage of remuneration and/or as a fixed amount.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The contributions made to these plans in each year by BBVA Group entities are charged and recognized under the heading &#8220;Administration costs &#8211; Personnel expense&#8211; Defined-contribution plan expense&#8221; of the consolidated income statement (see Note 44.1). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Post-employment benefits &#8211; Defined-benefit plans</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Some Group entities maintain pension commitments with employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employees. These commitments are covered by insurance contracts, pension funds and internal provisions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, some of the Spanish entities have offered certain employees the option to retire before their normal retirement age, recognizing the necessary provisions to cover the costs of the associated benefit commitments, which include both the liability for the benefit payments due as well as the contributions payable to external pension funds during the early retirement period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All of these commitments are quantified based on actuarial valuations, with the amounts recorded under the heading &#8220;Provisions &#8211; Provisions for pensions and similar obligations&#8221; in the consolidated balance sheet and determined as the difference between the value of the defined-benefit commitments and the fair value of plan assets at the date of the consolidated financial statements (see Note 25).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Current service cost is charged and recognized under the heading &#8220;Administration costs &#8211; Personnel expense &#8211; Defined-benefit plan expense&#8221; of the consolidated income statement (see Note 44.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Interest credits/charges relating to these commitments are charged and recognized in net terms under the headings &#8220;Interest and other income&#8221; or, where appropriated, &#8220;Interest expense&#8221; of the consolidated income statement (see Note 37).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Past service costs arising from benefit plan changes as well as early retirements granted during the year are recognized under the heading &#8220;Provisions or reversals of provisions&#8221; of the consolidated income statement (see Note 46).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Other long-term employee benefits</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the above commitments, certain Group entities provide long-term service awards to their employees, consisting mainly of monetary amounts or periods of vacation granted upon completion of a number of years of qualifying service. This heading also includes the commitments related to the termination of employment contracts according to the collective layoff procedure carried out in BBVA, S.A. in 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These commitments are quantified based on actuarial valuations and the amounts recorded under the heading &#8220;Provisions &#8211; Other long-term employee benefits&#8221; of the consolidated balance sheet (see Note 24).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Valuation of commitments: actuarial assumptions and recognition of gains/losses</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The present value of these commitments is determined based on individual member data. Active employee costs are determined using the &#8220;projected unit credit&#8221; method, which treats each period of service as giving rise to an additional unit of benefit and values each unit separately.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In establishing the actuarial assumptions we take into account that:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Each assumption does not contradict the others and adequately reflects the existing relationship between economic variables such as price inflation, expected wage increases, discount rates and the expected return on plan assets, etc. Future wage and benefit levels should be based on market expectations, at the balance sheet date, for the period over which the obligations are to be settled.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group recognizes actuarial gains (losses) relating to early retirement benefits, long service awards and other similar items under the heading &#8220;Provisions or reversal of provisions&#8221; of the consolidated income statement for the period in which they arise (see Note 46). Actuarial gains (losses) relating to pension and medical benefits are directly charged and recognized under the heading "Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211; Actuarial gains (losses) on defined benefit pension plans" of equity in the consolidated balance sheet (see Note 30).</span></div>Equity-settled share-based payment transactions<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Equity &#8211;settled share-based payment transactions, provided they constitute the delivery of such equity instruments once completion of a specific period of services has occurred, are recognized as an expense for services being provided by employees, with a corresponding entry under the heading &#8220;Shareholders&#8217; funds &#8211; Other equity&#8221; in the consolidated balance sheet. These services are measured at fair value for the employees services received, unless such fair value cannot be calculated reliably. In such case, they are measured by reference to the fair value of the equity instruments granted, taking into account the date on which the commitments were granted and the terms and other conditions included in the commitments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the initial compensation agreement includes what may be considered market conditions among its terms, any changes in these conditions will not be reflected in the consolidated income statement, as these have already been accounted for in calculating the initial fair value of the equity instruments. Non-market vesting conditions are not taken into account when estimating the initial fair value of equity instruments, but they are taken into account when determining the number of equity instruments to be issued. This will be recognized on the consolidated income statement with the corresponding increase in total consolidated equity.</span></div>Termination benefitsTermination benefits are recognized in the financial statements when the BBVA Group agrees to terminate employment contracts with its employees or from the time the costs for a restructuring that involves the payment of compensation for the termination of contracts with its employees are recorded. This happens when there is a formal and detailed plan in which the fundamental modifications to be made are identified, and whenever said plan has begun to be executed or its main characteristics or objective facts about its execution have been publicly announced. The collective layoff procedure carried out at BBVA, S.A. in 2021 complies with these conditions. Treasury shares<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The value of common stock issued by the BBVA Group&#8217;s entities and held by them - basically, shares and derivatives on the Bank&#8217;s shares held by some consolidated entities that comply with the requirements to be recognized as equity instruments - are recognized as a decrease to net equity, under the heading "Shareholders&#8217; funds - Treasury shares" in the consolidated balance sheets (see Note 29).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These financial assets are recognized at acquisition cost, and the gains or losses arising on their disposal are credited or debited, as appropriate, to the heading &#8220;Shareholders&#8217; funds - Retained earnings&#8221; in the consolidated balance sheets (see Note 28).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In the event of a contractual obligation to acquire treasury shares, a financial liability is recorded as the present value of the amount committed (under the heading "Financial liabilities at amortized cost - Other financial liabilities") and the corresponding recognition in net equity (under the heading &#8220;Equity - Other Reserves) (see Notes 22.5 and 28).</span></div>Foreign-currency transactions and exchange differences<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The currency in which the Financial Statements of the BBVA Group are presented is the euro. As such, all balances and transactions denominated in currencies other than the euro are deemed to be expressed in &#8220;foreign currency&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Conversion of the foreign currency to the entity&#8217;s functional currency (currency of the main economic environment in which the entity operates); and</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Conversion of the foreign currency to the entity&#8217;s functional currency</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Transactions denominated in foreign currencies carried out by the consolidated entities (or entities accounted for using the equity method) are initially accounted for in their respective currencies. Subsequently, the monetary balances in foreign currencies are converted to their respective functional currencies using the exchange rate at the close of the financial year. In addition,</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchase date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-monetary items valued at their fair value are converted at the exchange rate in force on the date on which such fair value was determined.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Monetary items are converted to the functional currency at the closing exchange rate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Income and expense are converted at the period&#8217;s average exchange rates for all the operations carried out during the year, except in those geographical areas where IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221; applies (see Note 2.2.19). When applying this criterion the BBVA Group considers whether significant variations have taken place in exchange rates during the year which, owing to their impact on the statements as a whole, may require the application of exchange rates as of the date of the transaction instead of such average exchange rates.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The exchange differences produced when converting the balances in foreign currency to the functional currency of the consolidated entities are generally recognized under the heading "Exchange differences, net" in the consolidated income statements (see Note 41). However, the exchange differences in non-monetary items measured at fair value are recorded to equity under the heading &#8220;Accumulated other comprehensive income (loss) - Items that will not be reclassified to profit or loss - Fair value changes of equity instruments measured at fair value through other comprehensive income&#8221; in the consolidated balance sheets (see Note 30).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Conversion of functional currencies to euros</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The balances in the financial statements of consolidated entities whose functional currency is not the euro are converted to euros as follows:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Income and expense and cash flows are converted by applying the exchange rate applicable on the date of the transaction, and the average exchange rate for the financial year may be used, unless it has undergone significant variations during the year.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Equity items: at the historical exchange rates. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The exchange differences arising from the conversion to euros of balances in the functional currencies of the consolidated entities whose functional currency is not the euro are recognized under the heading &#8220;Accumulated other comprehensive income (loss) &#8211; Items that may be reclassified to profit or loss - Foreign currency translation&#8221; in the consolidated balance sheets (Notes 30 and 31 respectively). Meanwhile, the differences arising from the conversion to euros of the financial statements of entities accounted for by the equity method are recognized under the heading &#8220;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Share of other recognized income and expense of investments in joint ventures and associates" (Note 30), until the item to which they relate is derecognized, at which time they are recognized in the income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial statements of companies of hyperinflationary economies are restated for the effects of changes in prices before their conversion to euros following the provisions of IAS 29 "Financial Reporting in Hyperinflationary Economies" (see Note 2.2.19). Both these adjustments for inflation and the exchange differences that arise when converting the financial statements of companies into hyperinflationary economies are accounted for in &#8220;Accumulated other comprehensive income (loss) &#8211; Items that may be reclassified to profit or loss - Foreign currency translation&#8221;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Venezuela</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Local financial statements of the Group subsidiaries in Venezuela are expressed in Venezuelan Bolivar, and converted into euros for the consolidated financial statements. Venezuela is a country with strong exchange restrictions that has different rates officially published, and, since December 31, 2015, the Board of Directors considers that the use of these exchanges rates for converting bolivars into euros in preparing the Consolidated Financial Statements does not reflect the true picture of the financial statements of the Group and the financial position of the Group subsidiaries in this country. Therefore, since the year ended December 31, 2015, the exchange rate for converting bolivars into euros is an estimation taking into account the evolution of the estimated inflation in Venezuela. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, 2021 and 2020, the impact on the consolidated financial statements that would have resulted by applying the last published official exchange rate instead of the exchange rate estimated by BBVA Group was not significant (see Note 2.2.19). </span></div>Recognition of income and expense<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The most significant policies used by the BBVA Group to recognize its income and expense are as follows.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Interest income and expense and similar items:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a general rule, interest income and expense and similar items are recognized on the basis of their period of accrual using the effective interest rate method. In the particular case of inflation-indexed bonds, interest income also includes the effect of real inflation experienced in the period. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">They shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#8217; portfolio which generates the income or expense:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The interest income past-due before the initial recognition and pending to be received will form part of the gross carrying amount of the debt instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">The interest income accrued after the initial recognition will form part of the gross carrying amount of the debt instrument until it will be received.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial fees and commissions that arise on the arrangement of loans and advances (basically origination and analysis fees) are deferred and recognized in the income statement over the expected life of the loan. From that amount, the transaction costs identified as directly attributable to the arrangement of the loans and advances are deducted. These fees are part of the effective interest rate for the loans and advances. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Once a debt instrument has been impaired, interest income is recognized applying the effective interest rate used to discount the estimated recoverable cash flows on the carrying amount of the asset.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Income from dividends received:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Dividends shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#8217; portfolio which generates this income:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">When the right to receive payment has been declared before the initial recognition and when the payment is pending to be received, the dividends will not form part of the gross carrying amount of the equity instrument and will not be recognized as income. Those dividends are accounted for as financial assets separately from the net equity instrument.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">If the right to receive payment is received after the initial recognition, the dividends from the net equity instruments will be recognized within the consolidated income statement. If the dividends correspond to the profits of the issuer before the date of initial recognition, they will not be recognized as income but as reduction of the gross carrying amount of the equity instrument because it represents a partial recuperation of the investment. Amongst other circumstances, the generation date can be considered to be prior to the date of initial recognition if the amounts distributed by the issuer as from the initial recognition are higher than its profits during the same period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Commissions, fees and similar items:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Income and expense relating to commissions and similar fees are recognized in the consolidated income statement using criteria that vary according to the nature of such items. The most significant items in this regard are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Those relating to financial assets and liabilities measured at fair value through profit or loss, which are recognized immediately in the income statement.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Those arising from transactions or services that are provided over a period of time, which are recognized over the life of these transactions or services.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Those relating to a singular transaction, which are recognized when this singular transaction is carried out.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Non-financial income and expense:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These are recognized for accounting purposes on an accrual basis.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Deferred collections and payments:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div>Sales of assets and income from the provision of non-financial servicesThe heading &#8220;Other operating income&#8221; in the consolidated income statements includes the proceeds of the sales of assets and income from the services provided by the Group entities that are not financial institutions. In the case of the Group, these entities are mainly real estate and service entities (see Note 42).Leases<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The lessee accounting model requires the lessee to record assets and liabilities for all lease contracts. A lessee is required to recognize a right-of-use asset representing its right to use the underlying leased asset, which is recorded under the headings &#8216;&#8216;Tangible assets &#8211; Property plants and equipment&#8217;&#8217; and &#8216;&#8216;Tangible assets &#8211; Investment properties&#8217;&#8217; of the consolidated balance sheet (see Note 17) and a lease liability representing its obligation to make lease payments which is recorded under the heading &#8216;&#8216; Financial liabilities at amortized cost &#8211; Other financial liabilities&#8217;&#8217; in the consolidated balance sheet (see Note 22.5). The standard provides two exceptions for the recognition of lease assets and liabilities that can be applied in the case of short-term contracts and those in which the underlying assets have low value. BBVA elected to apply both exceptions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">At the initial date of the lease, the lease liability represents the present value of all lease unpaid payments. The liabilities registered under this heading of the consolidated balance sheets are measured after their initial recognition at amortized cost, this being determined in accordance with the &#8220;effective interest rate&#8221; method.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The right to use assets are initially recorded at cost. This cost includes the initial measurement of the lease liability, any payment made on or before the initial date less any lease incentives received, all direct initial expenses incurred, as well as an estimate of the expenses to be incurred by the lessee for dismantling or rehabilitation, such as expenses related to the removal and dismantling of the underlying asset. The right to use assets recorded under this heading of the consolidated balance sheets are measured after their initial recognition at cost less:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The accumulated depreciation and accumulated impairment.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Any remeasurement of the lease liability.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The interest expense on the lease liability is recorded in the consolidated income statements under the heading &#8220;Interest expense&#8221; (see note 37.2). Variable payments not included in the initial measurement of the lease liability are recorded under the heading &#8220;Administration costs &#8211; Other administrative expense&#8221; (see Note 44.2).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Amortization is calculated using the straight-line method over the lifetime of the lease contract, on the basis of the cost of the assets. The tangible asset depreciation charges are recognized in the consolidated income statements under the heading "Depreciation and Amortization" (see Note 45).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When electing one of the exceptions in order not to recognize the corresponding right to use and the liability in the consolidated balance sheets, payments related to the corresponding lease are recognized in the consolidated income statements, over the contract period, lineally, or in the way that best represents the structure of the lease operation, under the heading "Other operating expense&#8221; (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Operating lease and sublease incomes are recognized in the consolidated income statements under the headings &#8220;Other operating income&#8221; (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a lessor, lease contracts are classified as finance leases from the inception of the transaction if they substantially transfer all the risks and rewards incidental to ownership of the asset forming the subject-matter of the contract. Leases other than finance leases are classified as operating leases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the consolidated entities act as the lessor of an asset under finance leases, the aggregate present values of the lease payments receivable from the lessee plus the guaranteed residual value (normally the exercise price of the lessee&#8217;s purchase option on expiration of the lease agreement) are recognized as financing provided to third parties and, therefore, are included under the heading &#8220;Loans and advances&#8221; in the consolidated balance sheets (see Note 14).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">When the consolidated entities act as lessors of an asset in operating leases, the acquisition cost of the leased assets is recognized under "Tangible assets &#8211; Property, plant and equipment &#8211; Other assets leased out under an operating lease" in the consolidated balance sheets (see Note 17). These assets are depreciated in line with the criteria adopted for items of tangible assets for own use, while the income arising from the lease arrangements is recognized in the consolidated income statements on a straight-line basis within &#8220;Other operating income&#8221; and "Other operating expense" (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">If a fair value sale and leaseback results in a lease, the profit or loss generated from the effectively transferred part of the sale is recognized in the consolidated income statement at the time of sale (only for the effectively transmitted part). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The assets leased out under operating lease contracts to other entities in the Group are treated in the consolidated financial statements as for own use, and thus rental expense and income is eliminated in consolidation and the corresponding depreciation is recognized.</span></div>Entities and branches located in countries with hyperinflationary economies<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with the criteria established in IAS 29 "Financial Reporting in Hyperinflationary Economies&#8221;, to determine whether an economy has a high inflation rate the country's economic situation is examined, analyzing whether certain circumstances are fulfilled, such as whether the population prefers to keep its wealth or savings in non-monetary assets or in a relatively stable foreign currency, whether prices can be set in that currency, whether interest rates, wages and prices are pegged to a price index or whether the accumulated inflation rate over three years approaches or exceeds 100%. The fact that any of these circumstances is fulfilled will not be a decisive factor in considering an economy hyperinflationary, but it does provide some reasons to consider it as such. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Since 2009 and 2018, the economies of Venezuela and Argentina, respectively, have been considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group&#8217;s entities located in such geographies have, therefore, been adjusted to correct for the effects of inflation. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, since the first half of 2022, Turkey's economy was considered highly inflationary according to the aforementioned criteria. Consequently, the financial statements of the BBVA Group entities located in Turkey have also been adjusted to correct them for the effects of inflation in accordance with IAS 29, with retrospective application from January 1, 2022. The figures for years prior to 2022 have not been modified since the Group's presentation currency is the euro.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a consequence of the application of IAS 29, the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographies:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The historical cost of non-monetary assets and liabilities (see Notes 17, 18 and 19), assets contractually linked to changes in prices and various headings in equity are adjusted to reflect changes in the purchasing power of the currency due to inflation from their date of acquisition or inclusion in the consolidated balance sheet, or if this is later, with the limit of its recoverable value. The restatement has been made using the Consumer Price Index.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The different lines of the income statement are adjusted by the inflation index since their inception, with a corresponding entry under the heading "Accumulated other comprehensive income (loss)". </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The loss of the net monetary position, which represents the loss of purchasing power of the entity due to maintaining an excess of monetary assets not linked to inflation (mainly loans, credits and bonds) over monetary liabilities, is recorded in the line "Other operating expense" in the income statement and with a credit to "Accumulated other comprehensive income (loss)".</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">All the components of the financial statements of the subsidiaries are converted at the closing exchange rate, recording the conversion differences to the euro within "Accumulated other comprehensive income (loss)" as stated in IAS 21.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Turkey</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The combined result derived from the application of the above criteria amounts to a loss of &#8364;2,711 million in 2022, of which &#8364;1,793 million is attributed to the parent company of the Group. This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;2,323 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement, partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,490 million, given that, under IAS 29, these types of bonds are considered protective assets (see Note 42).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The first application of IAS 29 in the Turkish subsidiaries led to an increase in equity of &#8364;130 million as of January 1, 2022, and is mainly the result of the revaluation of tangible assets and inflation-linked bonds. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to the Turkish Statistical Institute (Turkstat), accumulated inflation in 2022 stood at 64.3% (36.1% in 2021) and the exchange rate used as of December 31, 2022 was 19.96 Turkish lira per euro (in 2021 the exchange rate used was 15.23 Turkish lira per euro). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Argentina</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;1,031 million, of which &#8364;694 million is attributed to the parent company of the Group in 2022 (in 2021 and 2020 this result amounted to &#8364;258 million and &#8364;174 million, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;822 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2022 (in 2021 and 2020 this result amounted to &#8364;394 million and &#8364;244 million, respectively).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, during 2022, 2021 and 2020 the impact on equity of Group entities located in Argentina derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#8364;242 million, &#8364;337 million and &#8364;(188) million, respectively, of which &#8364;157 million, &#8364;225 million and &#8364;(126) million, respectively, have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;84 million, &#8364;112 million and &#8364;(62) million, respectively, within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221;. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Accumulated inflation estimated by the National Census Institute of Argentina (Indec) and BBVA Research for the year 2022 was 97.0% (in 2021 and 2020 inflation was 50.7% and 36.5%, respectively) and the exchange rate used as of December 31, 2022 was 188.51 Argentine pesos per euro (in 2021 and 2020 the exchange rate used was 116.37 and 103.25 Argentine pesos per euro, respectively). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Venezuela</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;11 million, of which &#8364;6 million is attributed to the parent company of the Group in 2022 (in 2021 and 2020 this result amounted to &#8364;6 million and &#8364;5 million, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;28 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2022 (in 2021 and 2020 this result amounted to &#8364;14 and &#8364;7 million, respectively).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, 2021 and 2020 the impact on equity of Group entities located in Venezuela derived from the application of hyperinflation (IAS 29) and the conversion to the euro (IAS 21) was not material for the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Accumulated inflation for the year 2022, as estimated by BBVA Research, was 292% (in 2021 and 2020 inflation was 333% and 1,887%, respectively) and the exchange rate used as of December 31, 2022 was 19.79 Venezuelan bolivars per euro (in 2021 and 2020 the exchange rate used was 5,367 and 1,355,246.77 Venezuelan bolivars per euro, respectively). </span></div>Recent IFRS pronouncements   Standards and interpretations that became effective in 2022<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The following amendments to the IFRS standards or their interpretations (hereinafter &#8220;IFRIC&#8221; or "interpretation") became effective in 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:133%">Minor changes to IFRS Standards (IAS 37 Provisions - Onerous contracts, IAS 16 Property, Plant and Equipment and IFRS 3 Business Combinations) and Annual Improvements to IFRS 2018 - 2020 (IFRS 1 - First application of IFRS, IFRS 9 Financial Instruments, IAS 41 Agriculture and modifications to the illustrative examples of IFRS 16 - Leases)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The International Accounting Standards Board (hereinafter "IASB"), has issued minor amendments and improvements to various IFRS to clarify the wording or correct minor consequences, or inconsistencies between the requirements of the Standards as of January 1, 2022. The modified standards are: IAS 37 Provisions, IAS 16 Property, Plant and Equipment, IFRS 3 Business Combinations, IFRS 1 First application of IFRS, IFRS 9 Financial Instruments, IAS 41 Agriculture and IFRS 16 Leases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amendments are effective for annual reporting periods beginning on or after January 1, 2022, with no significant impact on the BBVA Group's consolidated financial statements.</span></div><div style="text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Standards and interpretations issued but not yet effective as of December 31, 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following new International Financial Reporting Standards and Interpretations or Modifications had been published at the date of preparation of the consolidated financial statements, but are not mandatory as of December 31, 2022. Although in some cases the IASB allows early adoption before their effective date, the BBVA Group has not proceeded with this option for any such new standards.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">IFRS 17 &#8211; Insurance contracts</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In May 2017, the IASB issued the new accounting standard for insurance contracts, which was later amended with the aim of helping entities in the implementation of the standard and to facilitate the understanding of the financial statements, while maintaining the fundamental principles of the original standard. Accordingly, an entity must apply IFRS 17 for annual reporting periods beginning on or after January 1, 2023 (with at least one year of comparative information, i.e. for the Group, from January 1, 2022).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">IFRS 17 establishes the accounting principles for insurance contracts. This new standard supersedes IFRS 4, by introducing substantial changes in the accounting of insurance contracts with the aim of achieving greater homogeneity and increasing comparability among entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Unlike IFRS 4, the new standard establishes minimum requirements for grouping insurance contracts for the purposes of their recognition and measurement, determining the units of account by considering three levels: portfolios (contracts subject to similar risks and managed together), annual cohorts and their possibility of becoming onerous.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding the measurement model, the new standard contemplates several methods, being the General Model (Building Block Approach) the method that is applied by default for the valuation of insurance contracts, unless the conditions are given to apply any of the two other methods: the Variable Fee Approach, or the Simplified Model (Premium Allocation Approach).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">With the implementation of IFRS 17, the valuation of insurance contracts is based on a model that uses updated assumptions at each balance sheet date.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The General Model requires entities to value insurance contracts for the total of: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated with future cash flows, and a risk adjustment for non-financial risk that would represent the compensation required for the uncertainty associated with the amount and timing of the expected cash flows; </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">and the contractual service margin, which represents the expected unearned benefit from the insurance contracts, which will be recognized in the entity&#8217;s income statement as the service is provided in the future, instead of being recognized at the time of the estimation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">According to IFRS 17, the amounts recognized in the income statement shall be classified into insurance revenue, insurance service expenses and insurance finance income or expenses, which is a relevant change with respect to the disclosures under IFRS 4, as concepts such as volume of premiums and variation in technical provisions would no longer exist. Insurance revenue and insurance service expenses exclude any investment components. The Group has chosen to disaggregate the changes in the risk adjustment between financial and non-financial, so that the change in the value of the risk adjustment derived from the effect of the time value of money, and changes in it, is recorded as a financial result of the insurance. Insurance revenue is recognized over the period the entity provides insurance coverage.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Since 2019, the Group has developed a project to implement IFRS 17 in order to harmonize the criteria in the Group, with the participation of all involved areas and countries. Proper governance has been established in this project, through a Global Steering Committee with representation from the senior management of the affected areas and countries, which periodically reviews its progress. At the local level, each geographical area has defined a local governance structure with the participation of senior management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The project for the implementation of the standard in the Group was carried out during the years 2019, 2020 and 2021 and was focused on the definition of criteria, the actuarial modelling of cash flows and components required by the standard, the data supply, the technological adaptation of the systems, the preparation of accounting information, the governance of the reporting process to the Group and the development of the transition.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During 2022, the Group has finished with the tasks mentioned above, as well as the calculation of the transition impact on the consolidated financial statements and the preparation of the pro-forma financial statements under IFRS 17, according to the planning.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the Group has developed an accounting policy on insurance contracts under IFRS 17 that establishes the accounting criteria for the recognition of insurance contracts carried out by Group companies, and an Operational Guide to govern the calculation process, which ensures adequate control in the preparation of the aforementioned financial information.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">From the liabilities under insurance contracts held as of the transition date, January 1, 2022, the Group estimates that approximately 89% corresponded to long-term commitments valued using the Building Block Approach. These contracts have been valued in transition using the fair value approach, given the impracticability of applying IFRS 17 retroactively, given the disproportionate cost and difficulty of obtaining the historical data necessary to apply a full retrospective approach given the age of these products on the balance sheet and their remaining duration. Its impact in transition will come mainly from the "interest rate effect", resulting from the valuation of long-term insurance liabilities by the difference between the locked-in rate and the current rate, as the Group has chosen the option to disaggregate the financial income or expense of the insurance between the income statements and accumulated other comprehensive income. This effect will be partly offset by the associated financial assets, in some cases by the elimination of shadow accounting and, in others, by the fair value measurement of certain financial asset portfolios, in order to mitigate accounting asymmetries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Another part of the impact, although to a lesser extent, comes from the different hypotheses used with respect to the calculations under IFRS 4, including its additional components. However, the impact of "onerous" products is estimated to be residual.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fair value approach contemplates the determination of the Contractual Service Margin or the loss component of the liability for remaining coverage based on the difference between the fair value and the present value of the fulfillment flows. The application of the fair value criterion in transition allows contracts issued more than one year apart to be included in the same group and therefore not to differentiate by cohorts, an option that the Group has followed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding short-term contracts as of January 1, 2022, it is estimated that they represented approximately 11% of the total liabilities covered by the Group's insurance contracts. Those are valued by the Premium Allocation Approach, and in transition following the full retrospective approach, without significant differences in their accounting recognition compared with the previous situation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Lastly, the contracts valued by the Variable Fee Approach in the Group represent a residual amount.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Consequently, the differences in accumulated other comprehensive income and in retained earnings basically come from long-term contracts, although without generating a significant equity impact on the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The methodology used to obtain the discount rate differs by entity and portfolio to which it is applied, highlighting the main geographies, Mexico and Spain, respectively. In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter "IRR") of the entity's asset portfolio converges with the IRR of a reference portfolio from which the EIOPA (European Insurance and Occupational Pensions Authority) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios, eliminating the differential for credit risk through the EIOPA fundamental spread. However, in non-immunized portfolios, the bottom-up approach has been used, using the swap curve as the risk-free curve.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">To assess the risk adjustment, in most cases, information on the best estimate liability (BEL) and capital requirements have been used, through a VaR methodology, the risk adjustment has been obtained.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has defined the coverage units in accordance with the requirements of the standard, and made the decision not to change the treatment of accounting estimates made in previous interim closings when applying IFRS 17.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group has not adopted the European exception on annual cohorts in cash-flow matched products.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, based on the analysis carried out up to the date of preparation of these consolidated financial statements, the impact in equity on the consolidated financial statements of the BBVA Group as a result of the entry of IFRS 17 is estimated not to be significant.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Amendments to IAS 1 &#8220;Presentation of financial statements&#8221; and IAS 8 &#8220;Accounting policies, changes in accounting estimates and errors"</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In February 2021 the IASB issued amendments to this IAS with the aim of improving the quality of the disclosures in relation to the accounting policies applied by the entities with the ultimate aim of providing useful and material information in the financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The amendments to IAS 1 require companies to disclose their material accounting policy information rather than their significant accounting policies and include guidance on how to apply the concept of materiality to accounting policy disclosures. The amendments to IAS 8 also clarify how companies should distinguish changes in accounting policies from changes in accounting estimates. The amendments will be effective for annual reporting periods beginning on or after January 1, 2023. No significant impact is expected on BBVA's consolidated financial statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Amendment IAS 12 &#8211; Income taxes </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The IASB has issued an amendment to IAS 12 to clarify how deferred taxes arising in transactions that simultaneously give rise to temporary differences in assets and liabilities for the same amount, such as, among others, leases or decommissioning obligations, should be accounted for.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Under the amendments, the initial recognition exemption in IAS 12 from recognizing deferred tax when they recognize assets or liabilities for the first time would not apply to a transaction that at the time of the transaction gives rise to equal and offsetting amounts of taxable and deductible temporary differences. The purpose of the amendments has been to reduce the diversity in the presentation of information on deferred taxes in said transactions. The amendments entered into force on January 1, 2023. No significant impact is expected on BBVA's consolidated financial statements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Amendment to IFRS 16 "Leases"</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">The IASB has issued an amendment to IFRS 16 to clarify certain aspects related with the requirements for sale and leaseback transactions. The new requirements established that the seller-lessee shall determine &#8216;lease payments&#8217; or &#8216;revised lease payments&#8217; in a way that the seller-lessee would not recognize any amount of the gain or loss that relates to the right of use retained by the seller-lessee. The amendments will be effective for annual reporting periods beginning on or after 1 January 2024, with early application permitted. No significant impact is expected on the BBVA Group&#180;s consolidated financial statements.</span></div><span></span>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016469186592">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 3<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BBVAGroupAbstract', window );"><strong>BBVA Group [Abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfBBVAGroupTextBlock', window );">Disclosure of BBVA Group [Text Block]</a></td>
<td class="text">BBVA Group<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group is an international diversified financial group with a significant presence in retail banking, wholesale banking and asset management. The Group also operates in the insurance sector.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following information is detailed in the appendices of these consolidated financial statements of the Group for the year ended December 31, 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix I shows relevant information related to the consolidated subsidiaries and structured entities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix II shows relevant information related to investments in joint ventures and associates accounted for using the equity method. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix III shows the main changes and notification of investments and divestments in the BBVA Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Appendix IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders.</span></div><div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table sets forth information related to the Group&#8217;s total assets as of December 31, 2022, 2021 and 2020, broken down by the Group&#8217;s entities according to their activity: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"/><td style="width:52.212%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.462%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.462%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.464%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contribution to Consolidated Group total assets. Entities by main activities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking and other financial services</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">678,788</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">631,683</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">703,304</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and pension fund managing companies</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,136</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,657</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,667</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-financial services</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,217</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,545</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,826</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">713,140</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">662,885</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">733,797</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The total assets and results of operations broken down by operating segments are included in Note 6.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group&#8217;s activities are mainly located in Spain, Mexico, Turkey and South America, with active presence in the rest of Europe, the United States and Asia:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Spain. The Group&#8217;s activity in Spain is mainly carried out through Banco Bilbao Vizcaya Argentaria, S.A. The Group also has other entities that mainly operate in Spain&#8217;s financial sector, insurance sector and asset management sector.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Mexico. The BBVA Group operates in Mexico, not only in the banking sector, but also in the insurance sector and the asset management sector, through BBVA Mexico.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Turkey. The Group&#8217;s activity in Turkey is mainly carried out through the Garanti BBVA Group in the financial, insurance and asset management sectors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">South America. The BBVA Group&#8217;s activities in South America are mainly focused on the banking, financial and insurance sectors, in the following countries: Argentina, Colombia, Peru, Uruguay, Chile and Venezuela. It has a representative office in Sao Paulo (Brazil) and another one in Santiago (Chile). The Group owns more than 50% of most of the Group entities based in these countries. Appendix I shows entities in respect of which the BBVA Group owns less than 50% as of December 31, 2022 (see Note 2.1).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Rest of Europe. Group's activity in Europe (excluding Spain) is carried out by banking and financial institutions, mainly in Switzerland, the Netherlands and Romania and the BBVA Bank's branches in Germany, Belgium, France, Italy, Portugal and the United Kingdom.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The United States. The Group's activity in the United States is mainly carried out by the branch of Banco Bilbao Vizcaya Argentaria, S.A. in New York, the agency of BBVA Mexico in Houston, participations in technology companies through funds and investment vehicles, the broker-dealer business BBVA Securities Inc., and a representative office in Silicon Valley (California).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Asia. The Group's activity in Asia is conducted through the Bank's branches (Taipei, Tokyo, Hong Kong, Singapore and Shanghai) and representative offices (Beijing, Seoul, Mumbai, Abu Dhabi and Jakarta).</span></div><div style="margin-bottom:10pt;margin-top:20pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant transactions in the Group in 2022 </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Investments</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Announcement of the agreement with Neon Payments Limited</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 14, 2022, BBVA announced the agreement with the company Neon Payments Limited (the "Company" in this section) for the subscription of 492,692 preference shares, representing approximately 21.7% of its share capital, through a share capital increase and in consideration of approximately USD 300 million (equal to approximately &#8364;263 million, using the applicable 1.14 EUR/USD exchange rate as of February 11, 2022).  </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Company, which is incorporated and domiciled in the United Kingdom, is the owner of 100% of the shares of the Brazilian company Neon Pagamentos S.A. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of February 14, 2022, BBVA was already the indirect owner of approximately 10.2% of the share capital of the Company through companies where BBVA owns more than 99% of the share capital. As of December 31, 2022, BBVA held, directly and indirectly, approximately 29.2% of the share capital of the Company. Despite owning more than 20% of the share capital, BBVA's ability to influence the Company&#180;s financial and operating decisions policies is very limited, so the investment is recognized under the heading "Non-trading financial assets mandatorily at fair value through profit or loss" (see Note 11).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Voluntary takeover bid for the entire share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350; (Garanti BBVA)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On November 15, 2021, BBVA announced a voluntary takeover bid (hereinafter "VTB") addressed to the 2,106,300,000 shares</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">9</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> not controlled by BBVA, which represented 50.15% of the total share capital of T&#252;rkiye Garanti Bankas&#305; A.&#350; (hereinafter "Garanti BBVA"). BBVA submitted for authorization an application of the VTB to the supervisor of the securities markets in Turkey (Capital Markets Board, hereinafter "CMB") on November 18, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On March 31, 2022, CMB approved the offer information document and on the same day BBVA announced the commencement of the VTB acceptance period on April 4, 2022. On April 25, 2022 BBVA informed of an increase of the cash offer price per Garanti BBVA share from that initially announced (12.20 Turkish lira) to 15.00 Turkish lira.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On May 18, 2022, BBVA announced the finalization of the offer acceptance period, with the acquisition of 36.12% of Garanti BBVA&#8217;s share capital. The total amount paid by BBVA was approximately 22,758 million Turkish lira (equivalent to approximately &#8364;1,390 million</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">10</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> including the expenses associated with the transaction and net of the collection of the dividends corresponding to the stake acquired).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The transaction resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29, see Note 2.2.19). An amount of &#8364;3,609 million was recorded under the heading &#8220;Other reserves&#8221; and there was a reclassification to &#8220;Accumulated other comprehensive income (loss)&#8221; corresponding to the 36.12% acquired from minority interests to &#8220;Accumulated other comprehensive income (loss)&#8221; of the parent company for an amount of &#8364;-2,685 million. The total derecognition associated with the transaction of the heading &#8220;Minority interests&#8221; considering &#8220;Other items&#8221; and &#8220;Accumulated other comprehensive income (loss)&#8221; amounted to &#8364;-2,541 million.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The percentage of total share capital of Garanti BBVA owned by BBVA (after the completion of the VTB on May 18) is 85.97%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In relation to the rest of the effects of the application of IAS 29 "Financial Reporting in hyperinflationary economies" on the entities of the Group in Turkey, see Note 2.2.19 to these Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant transactions in the Group in 2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Divestitures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Sale of BBVA&#8217;s U.S. Bancshares, Inc. to PNC Financial Service Group </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On June 1, 2021, after obtaining all the required authorizations, BBVA completed the sale to The PNC Financial Services Group, Inc. of 100% of the capital stock of its subsidiary BBVA USA Bancshares, Inc., which in turn owned all the capital stock of the bank, BBVA USA.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The consideration received in cash by BBVA, as a consequence of the referred sale, amounted to approximately USD 11,500 million (price provided in the agreement minus the agreed closing price adjustments) equivalent to approximately &#8364;9,600 million (with an exchange rate of 1.20 EUR / USD).</span><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The accounting of both the results generated by BBVA USA Bancshares, Inc. since the announcement of the transaction and of its closing had an aggregate positive impact on the BBVA Group's Common Equity Tier 1 (fully loaded) ratio of approximately 294 basis points, which includes the generation of capital contributed by the subsidiary to the Group until the closing of the transaction (on June 1, 2021) and a profit net of taxes of &#8364;582 million. The calculation of the impact on Common Equity Tier 1 was made taking into account the amount of the transaction in euros and BBVA Group's financial statements as of June 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group continues to develop the institutional and wholesale business in the United States that it currently carries out through its broker-dealer BBVA Securities Inc. and its branch in New York. BBVA also maintains its investment activity in the fintech sector through its participation in Propel Venture Partners US Fund I, L.P.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Note 21 to these Consolidated Financial Statements shows a breakdown of the financial information of the companies sold in the United States as of December 31, 2021 and 2020 and their results for the first five months of 2021 and the year ended December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Sale of the BBVA Group's stake in Paraguay</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On January 22, 2021, once the mandatory authorizations were obtained, BBVA completed the sale of its direct and indirect shareholding of 100% of the capital stock of Banco Bilbao Vizcaya Argentaria Paraguay, S.A. (&#8220;BBVA Paraguay&#8221;) to Banco GNB Paraguay S.A., a subsidiary of the Gilinski Group. This transaction was originally agreed in 2019. The total amount received by BBVA amounted to approximately USD 250 million (approximately &#8364;210 million). The transaction generated a capital loss net of taxes of approximately &#8364;9 million. This transaction had a positive impact on the Common Equity Tier 1 (fully loaded) of the BBVA Group of approximately 6 basis points, which is reflected in the capital base of the BBVA Group in the fiscal year 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Significant transactions in the Group in 2020</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Divestitures</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Alliance with Allianz,</span><span style="color:#2bcccc;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"> Compa&#241;&#237;a de Seguros y Reaseguros, S.A</span><span style="color:#009ee5;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On April 27, 2020, BBVA reached an agreement with Allianz,</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"> Compa&#241;&#237;a de Seguros y Reaseguros, S.A. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">to create a bancassurance joint venture in order to develop the non-life insurance business in Spain, excluding the health insurance line of the business.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On December 14, 2020, once the required authorizations had been obtained, BBVA completed the operation and announced the transfer to Allianz, </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> of half plus one share of the company BBVA Allianz </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Seguros y Reaseguros, S.A.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">, for which it received &#8364;274 million, without taking into account a variable part of the price (up to &#8364;100 million depending on certain objectives and planned milestones). This operation resulted in a profit net of taxes of &#8364;304 million and a positive impact on the fully loaded CET1 of the BBVA Group of 7 basis points, recorded in the Consolidated Financial Statements for the year ended December 31, 2020.</span></div><span></span>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016469387472">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 4<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ShareholderRemunerationSystemAbstract', window );"><strong>Shareholder Remuneration System [Abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfShareholderRemunerationSystemTextBlock', window );">Disclosure of shareholder remuneration system [Text Block]</a></td>
<td class="text">Shareholder remuneration system<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">European Central Bank (ECB) recommendations for 2020 </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In accordance with recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend distributions during the COVID-19 pandemic, the Board of Directors of BBVA resolved to modify for the financial year corresponding to 2020 the dividend policy of the Group, announced on February 1, 2017 by means of Relevant Information number 247679, determining as the policy for 2020 not to pay any dividend amount corresponding to 2020 until the uncertainties caused by COVID-19 disappear and, in any case, not before the end of such fiscal year. On July 27, 2020, the ECB prolonged this recommendation until January 1, 2021 by adopting recommendation ECB/2020/35. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On December 15, 2020 the ECB issued recommendation ECB/2020/62, repealing recommendation ECB/2020/35 and recommending that significant credit institutions exercise extreme prudence when deciding on or paying out dividends or performing share buy-backs aimed at remunerating shareholders.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Shareholder remuneration during financial year 2021</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Cash distributions</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA notified on January 29, 2021, by means of an Inside Information filing with the CNMV (hereinafter, &#8220;Inside Information&#8221;), that it intended to resume its shareholder remuneration policy announced on February 1, 2017, by means of Relevant Information number 247679 in 2021, contingent upon the repealing of recommendation ECB/2020/62 and the absence of further restrictions or limitations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Annual General Shareholders' Meeting held on April 20, 2021 approved, in the third item of its agenda, a cash distribution from the share premium account of BBVA of &#8364;0.059 gross for each of the Bank's outstanding shares which are entitled to participate in the aforementioned distribution, all this in compliance with recommendation ECB/2020/62 on dividend payments during the COVID-19 pandemic, which was paid on April 29, 2021. The total amount was &#8364;393 million and was recognized under the heading &#8220;Total Equity &#8211; Shareholder's Funds &#8211; Share Premium&#8221; of the consolidated balance sheet as of December 31, 2021 (see Note 27).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On July 23, 2021, the ECB published the approval of recommendation ECB/2021/31 repealing recommendation ECB/2020/62 from September 30, 2021, whereby the ECB indicated that it would assess capital, dividend distribution and share buyback plans of each financial institution in the context of its ordinary supervisory process, eliminating the remaining restrictions on dividend and share buyback related matters established in recommendation ECB/2020/62.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In line with the above, BBVA communicated by means of an Inside Information on September 30, 2021 that the Board of Directors of BBVA had approved the payment of a cash interim dividend of &#8364;0.08 gross (&#8364;0.0648 net of withholding tax) per each outstanding BBVA share on account of the 2021 dividend. The total amount paid to shareholders on October 12, 2021, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;532 million and is recognized under the heading "Shareholder&#8217;s funds - Total equity- Interim dividends" of the consolidated balance sheet as of December 31, 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Amendment of Shareholder Remuneration Policy</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's Board of Directors announced, on November 18, 2021, the amendment of the Group's shareholder remuneration policy (announced on February 1, 2017 by means of Relevant Information number 247679), establishing as a policy to distribute annually between 40% and 50% of the consolidated ordinary profit for each year (excluding amounts and items of an extraordinary nature included in the consolidated income statement), compared to the previous policy that established a distribution between 35% and 40%. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This policy is implemented through the distribution of an interim dividend for the year (which is expected to be paid in October of each year) and a final dividend or final distribution (which is expected to be paid at the end of the year and once the application of the result is approved, foreseeably in April of each year), with the possibility of combining cash distributions with share buybacks (the execution of the share buyback program scheme described below is considered as extraordinary shareholder remuneration and is therefore not included in the scope of the policy), all subject to the corresponding authorizations and approvals applicable at any given time.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%">Shareholder remuneration during financial year 2022</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Cash distributions</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">During the 2022 financial year, the Annual General Shareholders' Meeting and the Board of Directors approved the payment of the following cash amounts: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The Annual General Meeting of BBVA held on March 18, 2022, approved, under item 2 of the Agenda, a cash distribution from the voluntary reserves account as additional shareholder remuneration for the 2021 fiscal year, for an amount equal to &#8364;0.23 (&#8364;0.1863 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 8, 2022. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,463 million. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The Board of Directors communicated by means of an Inside Information on September 29, 2022 that the Board of Directors of BBVA approved the payment of a cash interim dividend of &#8364;0.12 (&#8364;0.0972 net of withholding tax) per outstanding BBVA share against 2022 results. The total amount paid to shareholders on October 11, 2022, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;722 million and is recognized under the heading &#8220;Total Equity- Interim Dividends&#8221; of the consolidated balance sheet as of December 31, 2022.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The forecasted financial statement, drawn up in compliance with the applicable legal requirements, which evidenced the existence of sufficient liquidity to distribute the abovementioned amount approved by the Board of Directors of BBVA on September 28, 2022 was the following: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"><tr><td style="width:1.0%"/><td style="width:81.589%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.211%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Available amount for interim dividend payments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">August 31, 2022</span></td></tr><tr><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit of BBVA, S.A., after the provision for income tax</span></td><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,828</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt dotted #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Maximum amount distributable</span></td><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt dotted #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,828</span></td></tr><tr><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of proposed interim dividend</span></td><td colspan="3" style="border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">724</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #072146;border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA cash balance available to the date</span></td><td colspan="3" style="border-bottom:1pt solid #072146;border-left:1pt dotted #FFFFFF;border-right:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,768</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Other shareholder remuneration</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 1, 2023, it was announced that a cash distribution in the amount of &#8364;0.31 gross per share to be paid in April as a final dividend for the year 2022 and the execution of a share buyback program of BBVA for an amount of &#8364;422 million were planned to be proposed to the corresponding corporate bodies for consideration, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Share buyback program</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On October 26, 2021, BBVA obtained the pertinent authorization from the ECB to buy back up to 10% of its share capital for a maximum of &#8364;3,500 million, in one or several tranches and over the course of a 12-month period (the &#8220;Authorization&#8221;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Upon receiving the Authorization and making use of the delegation conferred by the BBVA Annual General Meeting held on March 16, 2018, at its meeting of October 28, 2021, BBVA Board of Directors resolved to carry out a share buyback program scheme in compliance with Regulation (EU) no. 596/2014 of the European Parliament and the Council of April 16, 2014 on market abuse and Delegate Regulation (EU) no. 2016/1052 of the Commission, of March 8, 2016, executed in various tranches up to a maximum of &#8364;3,500 million, with the aim of reducing BBVA's share capital (the &#8220;Program Scheme&#8221;), notwithstanding the possibility of terminating or cancelling the Program Scheme at an earlier date where advisable due to the concurrence of a series of specific circumstances, as well as to carry out a first share buyback program within the scope of the Program Scheme (the "First Tranche") for the purpose of reducing BBVA's share capital, which was notified by means of Inside Information on October 29, 2021. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On November 19, 2021, BBVA notified by means of Inside Information that the First Tranche would be executed externally, starting on November 22, 2021, through J.P. Morgan AG as lead manager, for a maximum amount of &#8364;1,500 million, for the purchase of a maximum of 637,770,016 shares representing, approximately, 9.6% of BBVA's share capital. By means of Other Relevant Information filing dated March 3, 2022, BBVA announced the completion of the execution of the First Tranche upon reaching the maximum monetary amount of &#8364;1,500 million, having acquired 281,218,710 own shares representing, approximately, 4.22% of BBVA's share capital as of that date. On June 15, 2022, BBVA notified the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on 18 March 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Tranche and which were held in treasury shares (see Notes 26, 27 and 29).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On February 3, 2022, BBVA notified by means of Inside Information that its Board of Directors had agreed, within the scope of the Program Scheme, to carry out a second buyback program for the repurchase of own shares (the &#8220;Second Tranche&#8221;) aimed at reducing BBVA&#8217;s share capital, for a maximum amount of &#8364;2,000 million and a maximum number of shares to be acquired equal to the result of subtracting from 637,770,016 own shares (9.6% of BBVA&#8217;s share capital at that date) the number of own shares finally acquired in execution of the First Tranche. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a continuation of the previous communication, on March 16, 2022 BBVA informed by means of Inside Information that it had agreed to execute the Second Tranche: i) through the execution of a first segment for an amount of up to &#8364;1,000 million, and with a maximum number of shares to be acquired of 356,551,306 shares (the "First Segment"), externally through Goldman Sachs International as lead manager, who would execute the purchase transactions through the broker Kepler Cheuvreux, S.A.; and (ii) once execution of the First Segment had been completed, through the execution of a second segment that would complete the Framework Program (the "Second Segment").</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">By means of Other Relevant Information dated May 16, 2022, BBVA announced the completion of the execution of the First Segment upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 206,554,498 shares representing, approximately, 3.1% of BBVA's share capital as of said date.</span></div><div style="margin-bottom:15pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">On June 28, 2022, BBVA communicated through Inside Information the agreement to complete the Program Scheme by executing the Second Segment, for a maximum amount of &#8364;1,000 million and a maximum number of own shares to be acquired of 149,996,808. The execution of the Second Segment took place through Citigroup Global Markets Europe AG as lead manager, as BBVA informed through Inside Information on June 29, 2022. By means of Other Relevant Information dated August 19, 2022, BBVA announced the completion of the execution of the Second Segment upon reaching the maximum number of shares (149,996,808) representing, approximately, 2.3% of BBVA's share capital as of said date (which amounted to approximately &#8364;660 million). On September 30, 2022, BBVA notified through Other Relevant Information an additional partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of the First Segment and Second Segment of the share buyback program scheme and which were held in treasury shares (see Notes 26, 27 and 29).</span></div><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Proposal on allocation of earnings of BBVA, S.A.  for 2022</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Below is included a breakdown of the distribution of the Bank&#180;s earnings for financial year 2022, which the Board of Directors will submit to the Annual General Meeting for approval. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"/><td style="width:80.410%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.390%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Allocation of earnings (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit (loss) for the year</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,816</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Distribution</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interim dividends</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">724</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final dividend</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,869</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reserves / Accumulated gains</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,223</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016469278496">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 5<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EarningsPerShareAbstract', window );"><strong>Earnings per share [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">Earnings per share<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Basic and diluted earnings per share are calculated in accordance with the criteria established by IAS 33 "Earnings per share". For more information see Glossary.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The calculation of earnings per share is as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"/><td style="width:66.080%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.842%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Basic and Diluted Earnings per Share</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Numerator for basic and diluted earnings per share (millions of euros)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to parent company</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,420</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,653</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,305</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment: Additional Tier 1 securities </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(313)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(359)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(387)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit adjusted (millions of euros) (A)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,107</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,293</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">917</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit (loss) from continued operations (net of remuneration of Additional Tier 1 capital instruments)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,107</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,014</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,646</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit (loss) from discontinued operations (net of non-controlling interest) (B) (See Note 21)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">280</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,729)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Denominator for basic earnings per share (number of shares outstanding)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average number of shares outstanding </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,424</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,668</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,668</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average treasury shares</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share buyback program </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(225)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(255)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjusted number of shares - Basic earnings per share (C)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,189</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,401</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,655</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjusted number of shares - diluted earnings per share (D)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,189</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,401</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,655</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Earnings (losses) per share </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.99</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.67</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.14</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings (losses) per share from continuing operations (Euros per share) A-B/C</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.99</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.63</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.40</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted earnings (losses) per share from continuing operations (Euros per share) A-B/D</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.99</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.63</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.40</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings (losses) per share from discontinued operations (Euros per share) B/C</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.04</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.26)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted earnings (losses) per share from discontinued operations (Euros per share) B/D</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.04</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.26)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Remuneration in the year related to contingent convertible securities, recognized in equity (see Note 22.4).</span></div><div style="margin-bottom:2pt;margin-top:2pt;padding-left:0.56pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) On August 19, 2022, BBVA announced the completion of the execution of the share buyback program. In order to calculate the attributable earnings per share in 2022, it includes the average number of shares taking into account the two redemptions of shares which took place in 2022. In the year ended December 31, 2021, it takes into account 112 million shares acquired under the shares buyback program and the estimated number of shares pending to be acquired under the first tranche of the share buyback program as of December 31, 2021 (see Note 4). </span></div><div style="margin-bottom:6pt;margin-top:0.03pt;padding-left:0.56pt;text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">As of December 31, 2022, 2021 and 2020, there were no other financial instruments or share option commitments to employees that could potentially affect the calculation of the diluted earnings per share for the years presented. For this reason, basic and diluted earnings per share are the same.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for earnings per share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2022-03-24<br> -Section Disclosure<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2022-en-r&amp;doctype=Standard&amp;dita_xref=IAS33_g70-73A__IAS33_g70-73A_TI<br> -URIDate 2022-03-24<br></p></div>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016469199712">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 6<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OperatingSegmentReportingAbstract', window );"><strong>Operating Segment Reporting [Abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsExplanatory', window );">Disclosure of operating segments [text block]</a></td>
<td class="text">Operating segment reporting <div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating segment reporting represents a basic tool in the oversight and management of the BBVA Group&#8217;s various activities. The BBVA Group compiles reporting information on disaggregated business activities. These business activities are then aggregated in accordance with the organizational structure determined by the BBVA Group and, ultimately, into the reportable operating segments themselves. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the structure of the information by operating segments reported by the BBVA Group remains the same as that as of the closing of the 2021 financial year.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The BBVA Group's areas or operating segments are summarized below: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Spain includes mainly the banking, insurance and asset management business that the Group carries out in Spain, including the proportional share of results of the new company that emerged from the bancassurance agreement reached with Allianz at the end of 2020 (see Note 3).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Mexico includes the banking, insurance and asset management business in this country as well as the activity that BBVA Mexico carries out through its agency in Houston. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Turkey reports the activity of the Garanti BBVA group that is mainly carried out in this country and, to a lesser extent, in Romania and the Netherlands. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">South America includes the banking, finance, insurance and asset management business carried out mainly in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Rest of Business mainly includes the wholesale activity carried out in Europe (excluding Spain), the United States and (through BBVA branches located therein) Asia.</span></div><div style="margin-bottom:14pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Corporate Center performs centralized Group functions, including: the costs of the head offices with a corporate function, management of structural exchange rate positions; portfolios whose management is not linked to customer relationships, such as financial and industrial holdings; stakes in Funds &amp; Investment Vehicles in tech companies; certain tax assets and liabilities; funds for employee commitments; goodwill and other intangible assets, as well as the financing of such portfolios and assets. Additionally, the results obtained by the Group's businesses in the United States until the sale to PNC on June 1, 2021 (see Note 21), are presented in a single line under the heading "Profit (loss) after tax from discontinued operations" in the condensed consolidated income statement of the Corporate Center. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Finally, the costs related to the Banco Bilbao Vizcaya Argentaria, S.A. collective layoff procedure and closing of the offices carried out in Spain in 2021, recorded in the lines "Provisions", "Provisions or reversal of provisions", "Impairment or reversal of impairment on non-financial assets" and "Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations", respectively (see Notes 24, 46, 49 and 50).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The breakdown of the BBVA Group&#8217;s total assets by operating segments as of December 31, 2022, 2021 and 2020 is as follows:</span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"><tr><td style="width:1.0%"/><td style="width:52.675%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.309%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Group assets by operating segments (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">427,193</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413,477</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">408,030</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143,405</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118,106</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110,236</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Turkey </span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">66,043</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,245</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,585</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">South America</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62,067</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,124</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,436</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Business</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,952</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,314</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,172</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subtotal assets by operating segments</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">748,660</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">684,266</span></td><td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">668,460</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate Center and adjustments </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(35,520)</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,381)</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65,336</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets BBVA Group</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">713,140</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">662,885</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">733,797</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The balance of 2020 corresponds mainly to the Group companies included within the scope of the USA Sale to PNC.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The following table sets forth certain summarized information relating to results of each operating segment and Corporate Center for the years ended December 31, 2022, 2021 and 2020:</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"/><td style="width:25.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.714%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Main margins and profit by operating segments (Millions of euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Operating Segments</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">BBVA Group</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Spain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Mexico</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Turkey</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">South America</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Rest of Business</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Corporate Center and adjustments</span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,153</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,784</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,378</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,631</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,137</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">332</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(109)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,890</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,145</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,839</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,185</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">790</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(329)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating profit (loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,356</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,625</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,690</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,644</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,429</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">277</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,309)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net attributable profit (loss)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,420</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,678</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,182</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">509</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">734</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">240</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(922)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,686</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,502</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,836</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,859</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">281</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(163)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,066</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,925</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,603</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,422</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,162</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">741</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating profit (loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,247</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,122</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,528</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,953</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">961</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">314</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,632)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) after tax from discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net attributable profit (loss)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,653</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,581</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,568</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">740</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">491</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">254</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(980)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,566</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,415</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,783</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,701</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">291</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(164)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,166</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,567</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,573</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,225</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">839</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(63)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating profit (loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,248</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">823</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,475</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,522</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">896</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(748)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) after tax from discontinued operations</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,729)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,729)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net attributable profit (loss)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,305</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">652</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,761</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">563</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">446</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">222</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,339)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Adjustments include: (I) the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17); (II) the costs associated with the collective layoff procedure and the closing of offices in 2021 (see Note 24); and (III) the capital gain from the bancassurance transaction with Allianz in 2020 (see Note 3).</span><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Operating Segments Reporting [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of operating segments. [Refer: Operating segments [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2022-03-24<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2022-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2022-03-24<br></p></div>
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<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140016469468592">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2022</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfRiskManagementTextBlock', window );">Disclosure of risk management [Text Block]</a></td>
<td class="text">Risk managementRisk factors <div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The BBVA Group has processes in place for identifying risks and analyzing scenarios in order to enable the Group to manage risks in a dynamic and proactive way.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The risk identification processes are forward looking to seek the identification of emerging risks and take into account the concerns of both the business areas, which are close to the reality of the different geographical areas, and the corporate areas and senior management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Risks are identified and measured consistently using the methodologies deemed appropriate in each case. Their measurement includes the design and application of scenario analyses and stress testing and considers the controls to which the risks are subjected. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As part of this process, a forward projection of the Risk Appetite Framework (hereinafter "RAF") variables in stress scenarios is conducted in order to identify possible deviations from the established thresholds. If any such deviations are detected, appropriate measures are taken to keep the variables within the target risk profile. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In this context, there are a number of emerging risks that could affect the evolution of the Group&#8217;s business, including the below: </span></div>Macroeconomic and geopolitical risks<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group is sensitive to the deterioration of economic conditions or the alteration of the institutional environment of the countries in which it operates, and especially Spain, Mexico and Turkey. Additionally, the Group is exposed to sovereign debt, especially in these areas. Furthermore, the Group has recently increased its shareholding stake in T&#252;rkiye Garanti Bankas&#305; A.&#350;. (Garanti BBVA) in an additional 36.12% (reaching 85.97%) as a result of the voluntary takeover bid for the shares of Garanti BBVA not already owned by BBVA announced in November 2021.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition to the significant macroeconomic problems triggered by the COVID-19 pandemic, the global economy is currently facing a number of extraordinary challenges. Russia&#8217;s invasion of Ukraine, the largest military attack on a European state since World War II, has led to significant disruption, instability and volatility in global markets, as well as higher inflation (including by contributing to further increases in the prices of oil, gas and other commodities and further disrupting supply chains) and lower economic growth. The European Union, the United States and other governments have imposed significant sanctions and export controls against Russia and Russian interests and additional sanctions and controls cannot be ruled out.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The conflict has represented a significant supply shock for the global economy, which has hampered economic growth and added to the inflationary pressures, mainly in European countries, due to their relatively significant economic ties with Ukraine and Russia. The economic effects are being felt mainly through the higher commodity prices, mainly of energy commodities, despite their moderation over the last few months in 2022. While the Group&#8217;s direct exposure to Ukraine and Russia is limited, the war could adversely affect the Group&#8217;s business, financial condition and results of operations. Geopolitical and economic risks have also increased lately as a result of trade tensions between the United States and China, Brexit and the rise of populism, among others. Growing tensions may lead, among others things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade in goods and services and a reduction in the integration of financial markets, any of which could materially and adversely affect the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Moreover, the world economy could be vulnerable to other factors such as the aggressive interest rate hikes by central banks due to growing and widespread inflationary pressures, which could cause a significant growth slowdown - and, even, a sharp economic recession - as well as financial crises. The central banks of many developed and emerging economies have significantly augmented policy rates over the last year and the process of tightening monetary conditions is likely to continue going forward in many economies. The United States Federal Reserve (FED) and the European Central Bank have raised policy interest rates respectively by 425 and 250 basis points throughout 2022, followed by further increases in early 2023 (such as the rise by the Fed (0.25 basis points) and the ECB (0.5 basis points) announced on February 1 and February 2, 2023, respectively) and further adjustments are expected to be announced in the coming months, taking them up to around 5.0% in the first case and 3.75% in the case of the interest rates for refinancing operations in the Eurozone. The Group&#8217; s results of operations have been affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing to the rise in funding costs. Further, increases in interest rates could adversely affect the Group by reducing the demand for credit, limiting its ability to generate credit for its clients and leading to an increase in the default rate of its counterparties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Another risk is a sharp slowdown in the global GDP growth caused by a deceleration in the Chinese economy, due to the disruptions generated by the coronavirus infections following the flexibilization of the COVID-19 policies or other factors, such as the imbalances on real estate markets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group bears, among others, the following general risks with respect to the economic and institutional environment in which it operates: a deterioration in economic activity in the countries in which it operates, including recession scenarios; more persistent inflationary pressures, which could trigger a more severe tightening of monetary conditions; stagflation due to more intense or prolonged supply crises; changes in exchange rates; an unfavorable evolution of the real estate market; very high oil and gas prices could have a negative impact on disposable income levels in areas that are net energy importers, such as Spain or Turkey, to which the Group is particularly exposed; changes in the institutional environment of the countries in which the Group operates could give rise to sudden and sharp drops in GDP and/or changes in regulatory or government policy, including in terms of exchange controls and restrictions on the distribution of dividends or the imposition of new taxes or charges; a growth in the public debt or in the external deficit could lead to a downward revision of the credit ratings of the sovereign debt and even a possible default or restructuring of said debt; and episodes of volatility in the markets, which could cause the Group significant losses.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Any of these factors may have a significant adverse impact on the Group's business, financial condition and results of operations.</span></div>Risks relating to the political, economic and social conditions in Turkey<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In May 2022, the Group increased its shareholding stake in Garanti BBVA (Turkey) from 49.85% to 85.97% following the completion of a voluntary takeover bid (see Note 3).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Turkey has, from time to time, experienced volatile political, economic and social conditions. As of the date of the approval of these Consolidated Financial Statements, Turkey is facing an economic crisis characterized by strong depreciation of the Turkish lira, high inflation (the Turkish Statistical Institute, TUIK, established the inflation rate at 64.3% for the twelve months ended December 31, 2022; see Note 2.2.19 for information on the impact of the application of IAS 29), a soaring trade deficit, depletion of the central bank&#8217;s foreign reserves and rising external financing costs. Continuing unfavorable economic conditions in Turkey, such as the elevated inflation and devaluation of the Turkish lira, may result in a potential deterioration in the purchasing power and creditworthiness of our clients (both individual and corporate).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, certain ongoing geopolitical and domestic political factors, referred to in this section, as well as continuing regional conflicts (such as in Syria, Armenia/Azerbaijan), may pose further strain on the country&#8217;s economy.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">There can be no assurance that these and other factors will not have an impact on Turkey and will not cause further deterioration of the Turkish economy, which may have a material adverse effect on the Turkish banking sector and the Group&#8217;s business, financial condition and results of operations in Turkey.</span></div>Risks associated with pandemics such as the COVID-19<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The COVID-19 (coronavirus) pandemic has adversely affected the world economy, and economic activity and conditions in the countries in which the Group operates. Among other challenges, these countries have had to deal with supply disruptions and increasing inflationary pressures, while public debt has increased significantly due to the support and spending measures implemented by the government authorities. Furthermore, there has been an increase in loan losses from both companies and individuals, which has been slowed down by the impact of government support measures, including bank payment deferrals, credit with public guarantee and direct aid measures. With the outbreak of COVID-19, the Group experienced a decline in its activity. For example, the granting of new loans to individuals decreased during lockdowns. In addition, in several countries, including Spain, the Group closed a significant number of its branches and reduced the opening hours of working with the public, with central services teams having to work remotely. Furthermore, the Group has been affected by the measures or recommendations adopted by regulatory authorities in the banking sector, such as variations in reference interest rates, the modification of prudential requirements, the temporary suspension of dividend payments, changes to the terms of payment deferrals and the granting of guarantees or public guarantees for credit granted to companies and self-employed persons, the adoption of further similar measures or the modification or termination of those already approved, as well as changes in the financial assets purchase programs by the ECB.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Furthermore, pandemics like the COVID-19 pandemic could adversely affect the business and transactions of third parties that provide critical services to the Group and, in particular, the higher demand and/or the lower availability of certain resources, compounded by ongoing supply bottlenecks could, in some cases, make it more difficult for the Group to maintain the required service levels.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Further, pandemics such as the COVID-19 pandemic may exacerbate other risks disclosed in this section, including but not limited to risks associated with the credit quality of the Group&#8217;s borrowers and counterparties or collateral, any withdrawal of ECB funding, the Group&#8217;s exposure to sovereign debt and rating downgrades, the Group&#8217;s ability to comply with its regulatory requirements, including MREL (Minimum Requirement for Own Funds and Eligible Liabilities) and other capital requirements, and the deterioration of economic conditions or changes in the institutional environment.</span></div>Regulatory and reputational risks<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial institutions are exposed to a complex and ever-changing regulatory environment defined by governments and regulators. Regulatory activity in recent years has affected multiple areas, including changes in accounting standards; strict regulation of capital, liquidity and remuneration; bank charges (such as the new tax for banks recently approved in Spain, see Note 19.6) and taxes on financial transactions; regulations affecting mortgages, banking products and consumers and users; recovery and resolution measures; stress tests; prevention of money laundering and terrorist financing; market abuse; conduct in the financial markets; anti-corruption; and requirements as to the periodic publication of information. Governments, regulatory authorities and other institutions continually make proposals to strengthen the resistance of financial institutions to future crises. Further, there is an increasing focus on the climate-related financial risk management capabilities of banks. Any change in the Group&#8217;s business that is necessary to comply with any particular regulations at any given time, especially in Spain, Mexico or Turkey, could lead to a considerable loss of income, limit the Group&#8217;s ability to identify business opportunities, affect the valuation of its assets, force the Group to increase its prices and, therefore, reduce the demand for its products, impose additional costs on the Group or otherwise adversely affect its business, financial condition and results of operations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The financial sector is under ever closer scrutiny by regulators, governments and society itself. In the course of activities, situations which might cause relevant reputational damage to the Group could arise and might affect the regular course of business.</span></div>Business, operational and legal risks<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%">New technologies and forms of customer relationships: Developments in the digital world and in information technologies pose significant challenges for financial institutions, entailing threats (new competitors, disintermediation, etc.) but also opportunities (new framework of relations with customers, greater ability to adapt to their needs, new products and distribution channels, etc.). Digital transformation is a priority for the Group as it aims to lead digital banking of the future as one of its objectives. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Technological risks and security breaches: The Group is exposed to new threats such as cyber-attacks, theft of internal and customer databases, fraud in payment systems, etc. that require major investments in security from both the technological and human point of view. The Group gives great importance to the active operational and technological risk management and control. Any attack, failure or deficiency in the Group&#8217;s systems could, among other things, lead to the misappropriation of funds of the Group&#8217;s clients or the Group itself and the unauthorized disclosure, destruction or use of confidential information, as well as prevent the normal operation of the Group and impair its ability to provide services and carry out its internal management. In addition, any attack, failure or deficiency could result in the loss of customers and business opportunities, damage to computers and systems, violation of regulations regarding data protection and/or other regulations, exposure to litigation, fines, sanctions or interventions, loss of confidence in the Group&#8217; s security measures, damage to its reputation, reimbursements and compensation, and additional regulatory compliance expenses and could have a significant adverse impact on the Group&#8217; s business, financial condition and results of operations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regarding legal risks, the financial sector faces an environment of increasing regulatory and litigious pressure, and thus, the various Group entities are frequently party to individual or collective judicial proceedings (including class actions) resulting from their activity and operations, as well as arbitration proceedings. The Group is also party to government procedures and investigations, such as those carried out by the antitrust authorities in certain countries which, among other things, have in the past and could in the future result in sanctions, as well as lead to claims by customers and others. In addition, the regulatory framework in the jurisdictions in which the Group operates is evolving towards a supervisory approach more focused on the opening of sanctioning proceedings while some regulators are focusing their attention on consumer protection and behavioral risk. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In Spain and in other jurisdictions where the Group operates, legal and regulatory actions and proceedings against financial institutions, prompted in part by certain judgments in favor of consumers handed down by national and supranational courts (with regards to matters such as credit cards and mortgage loans), have increased significantly in recent years and this trend could continue in the future. The legal and regulatory actions and proceedings faced by other financial institutions in relation to these and other matters, especially if such actions or proceedings result in favorable resolutions for the consumer, could also adversely affect the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">All of the above may result in a significant increase in operating and compliance costs or even a reduction of revenues, and it is possible that an adverse outcome in any proceedings (depending on the amount thereof, the penalties imposed or the procedural or management costs for the Group) could damage the Group's reputation, generate a knock-on effect or otherwise adversely affect the Group.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">It is difficult to predict the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and those that may arise in the future, including actions and proceedings relating to former Group subsidiaries or in respect of which the Group may have indemnification obligations. Any of such outcomes could be significantly adverse to the Group. In addition, a decision in any matter, whether against the Group or against another credit entity facing similar claims as those faced by the Group, could give rise to other claims against the Group. In addition, these actions and proceedings attract resources from the Group and may occupy a great deal of attention on part of the Group's management and employees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As of December 31, 2022, the Group had &#8364;685 million in provisions for the proceedings it is facing (included in the line "Provisions for taxes and other legal contingencies" in the consolidated balance sheet) (see Note 24), of which &#8364;524 million correspond to legal contingencies and &#8364;161 million to tax related matters. However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from these proceedings will not exceed, where applicable, the amounts that the Group currently has provisioned and, therefore, could affect the Group's consolidated results in a given period.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">As a result of the above, legal and regulatory actions and proceedings currently faced by the Group or to which it may become subject in the future or otherwise affected by, individually or in the aggregate, if resolved in whole or in part adversely to the Group's interests, could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Spanish judicial authorities are investigating the activities of </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Centro Exclusivo de Negocios y Transacciones, S.L.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> (Cenyt). Such investigation includes the provision of services by Cenyt to the Bank. On July 29, 2019, the Bank was named as an investigated party </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">(investigado) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">in a criminal judicial investigation (Preliminary Proceeding No. 96/2017 &#8211; Piece No. 9, Central Investigating Court No. 6 of the National High Court) for alleged facts which could be constitutive of bribery, revelation of secrets and corruption. On February 3, 2020, the Bank was notified by the Central Investigating Court No. 6 of the National High Court of the order lifting the secrecy of the proceedings. Certain current and former officers and employees of the Group, as well as former directors have also been named as investigated parties in connection with this investigation. The Bank has been and continues to be proactively collaborating with the Spanish judicial authorities, including sharing with the courts information obtained in the internal investigation hired by the entity in 2019 to contribute to the clarification of the facts. As of the date of the preparation of the Consolidated Financial Statements, no formal accusation against the Bank has been made. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">This criminal judicial proceeding is at the pre-trial phase. Therefore, it is not possible at this time to predict the scope or duration of such proceeding or any related proceeding or its or their possible outcomes or implications for the Group, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</span></div>Climate change risks<div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Climate change presents short, medium and long-term risks to the Group and its customers, and these risks are expected to increase over time. The Group's activities or those of its customers and/or counterparties could be negatively affected by, among others, the following risks:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Transition Risks: Risks linked to the transition to a low-carbon economy as a response to climate change, and that come from changes in legislation, the market, consumers, etc., to mitigate and address the requirements derived from climate change. Transition risks include:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Legal and regulatory risks: Legislative or regulatory changes related to the way banks manage climate risk or that otherwise affect banking practices or the disclosure of climate-related information may lead to increased costs and compliance, operational and credit risks. Group customers and counterparties may also face similar challenges.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Technological risks: Among others, those risks derived from the transition costs to low-emission technologies or from non-adaptation to them, which could eventually reduce the credit capacity of the Group's customers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt">Market risks: BBVA is exposed to risks of a considerable increase in the cost of financing for customers with greater exposure to climate change risk, in such a way that their solvency or credit rating is affected. BBVA is also exposed to risks derived from changes in demand, changes in supply or the cost of energy, among others.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:70.86pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">d.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Reputational risks: The perception of climate change as a risk by society, shareholders, customers, governments and other interested parties continues to increase, encompassing the operations and strategy of the financial sector. This may lead to increased scrutiny of activities, policies, objectives and the way in which aspects related to climate change are disclosed. The Group's reputation may be damaged if its efforts to reduce environmental and social risks are deemed insufficient.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Physical risks: Risks that come from climate change and can be caused by greater frequency and severity of extreme weather events or long-term weather changes, and that can lead to physical damage to the assets of the Group or its customers, the interruption of their operations, disruptions in the supply chain or increased expenses necessary to deal with them, thus impacting the value of assets or the solvency of customers. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Any of these factors may have a material adverse effect on the Group&#8217;s business, financial condition and results of operations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:130%">.</span></div>Credit risk<div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Credit risk is the potential loss assumed by the Group as a result of the failure by the Group&#180;s counterparties to meet their contractual obligations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The general principles governing credit risk management in the BBVA Group are:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks taken should comply with the general risk policy established by the Board of Directors of BBVA.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks taken should be in line with the level of equity and generation of recurring revenue of the BBVA Group prioritizing risk diversification and avoiding relevant concentrations.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks taken should be identified, measured and assessed and there should be management and monitoring procedures, in addition to mitigation and control mechanisms.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Risks should be managed in a prudent and integrated manner during their life cycle and their treatment should be based on the type of risk. In addition, portfolios should be actively managed on the basis of a common metric (economic capital).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">The main criterion when granting credit risks is the capability of the borrower or obligor to fulfill on a timely basis all financial obligations with its business income or source of income without depending upon guarantors, bondsmen or pledged assets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Improve the financial health of our clients, help them in their decision making and in the daily management of their finances based on personalized advice.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Help our clients in the transition towards a sustainable future, with a focus on climate change and inclusive and sustainable social development.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Credit risk management in the Group has an integrated structure for all its functions, allowing decisions to be taken objectively and independently throughout the life cycle of the risk.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">At Group level: frameworks for action and standard rules of conduct are defined for handling risk, specifically, the channels, procedures, structure and supervision.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">At the business area level: they are responsible for adapting the Group's criteria to the local realities of each geographical area and for direct management of risk according to the decision-making channel:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Retail risks: in general, the decisions are formalized according to the scoring tools, within the general framework for action of each business area, with regard to risks. The changes in weighting and variables of these tools must be validated by the Global Risk Management (hereinafter "GRM") area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt">Wholesale risks: in general, the decisions are formalized by each business area within its general framework for action with regard to risks, which incorporates the delegation rule and the Group's corporate policies.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The risk function has a decision-making process supported by a structure of committees with a solid governance scheme, which describes their purposes and functioning for a proper performance of their tasks. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Support measures</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">Since the beginning of the pandemic, the Group offered COVID-19 support measures to its customers in all the geographic areas where it operates, consisting of both deferrals on existing loans and new public-guaranteed lending. Deferral support schemes have expired in all geographical areas. Measures related to new government-guaranteed loans remained in force in Spain and Peru in 2022:</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Spain:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">The Official Credit Institute (ICO by its Spanish acronym) published several support programs aimed at the self-employed, small and medium-sized enterprises (hereinafter "SMEs") and companies, through which a guarantee of between 60% and 80% was granted by the ICO (for a term of up to 5 years for new financing granted under RDL Mar/2020, RDL Nov/2020, RDL 5/2021 and the Code of Good Practices).</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">In March 2022, the Council of Ministers agreed to modify the Code of Good Practices to lessen access conditions given the difficulties of clients, which are facing sharp increases in costs due to their special exposure to tensions in the prices of energy and other raw materials.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">As an additional measure of the Code of Good Practices, the Council of Ministers approved the agreement to establish the possibility of term extensions of ICO financing given to self-employed and companies, after June 30, 2022, after the expiry of the Temporary Framework of state support approved by the European Commission.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, on November 23, 2022, Royal Decree-Law 19/2022, of November 22, was published. It amends the Code of Good Practices, establishes a new Code of Good Practices easing the interest rates hike on mortgage loans agreements related to primary residences, and provides for other structural measures aiming to improve the loan market. BBVA has adhered to the new Code of Good Practices with effect from January 1, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Peru:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">There were public support programs such as </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Reactiva, Crecer</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> or FAE aimed at companies and micro-enterprises with government guaranteeing amounts ranging from 60% to 98%, depending on the program and the type of company.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:12.83pt">Through a Decree published in May 2022, for loans granted under the </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Reactiva</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> program, both the maturity and grace period of such loans could be extended. The ability to benefit from this measure expires on June 30, 2023, following the extension of the initial period that ended December 31, 2022. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">New government-guaranteed financing was also granted in Turkey, Colombia and Argentina.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The outstanding balance of existing loans for which a payment deferral was granted (split by those existing at year-end and those that were completed by year-end) under EBA standards and for which financing was granted with public guarantees given at a Group level, as well as the number of customers of both measures, as of December 31, 2022 and 2021 are as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"><tr><td style="width:1.0%"/><td style="width:15.799%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.292%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of payment deferral and financing with public guarantees of the Group (Millions of Euros) </span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Payment deferral</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financing with </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">public guarantees</span></div></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Existing </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Completed</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;customers</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">customers</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total </span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">payment deferral</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;and guarantees</span></div></td><td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(%) credit investment</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,103</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,103</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,791,756</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,955</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">248,009</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,059</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.2&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,743</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,931</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,188,720</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,093</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">264,809</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td></tr></table></div><div style="margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The outstanding balance of existing loans for which a payment deferral was granted (split by those existing at year-end and those in respect of which the deferral had been completed by year-end) under EBA standards and for which financing was granted with public guarantees given at a Group level, broken down by segment, as of December 31, 2022 and 2021 are as follows:</span></div><div style="margin-top:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"><tr><td style="width:1.0%"/><td style="width:21.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.622%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.624%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount of payment deferral and financing with public guarantees by concept (Millions of Euros)</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="18" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Payment deferral</span></td><td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financing with</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#160;public guarantees</span></div></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Existing </span></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Completed</span></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1